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BANGOR SAVINGS BANK Revised: March 1, 2021

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BANGOR SAVINGS BANK Revised: March 1, 2021 BANGOR SAVINGS BANK Revised: March 1, 2021 RECORD OF OPENED AND CLOSED BRANCHES Current and Prior Two Years BRANCHES OPENED: 2021: 999 Elm Street Manchester, New Hampshire opened March 1, 2021 The Bank’s CRA geographic assessment area encompasses eight MSA and non-MSA areas in Maine and New Hampshire including the City of Manchester, New Hampshire. It is a full service branch facility located in a moderate census tract #33-011-2004.00 with a tract population of 2,601, a tract median family income of 58.92% of 2015 HUD estimated median income, a tract minority population of 22.72%, and a percentage below poverty line of 28.36%. 2021: 100 Loudon Road Concord, New Hampshire opened January 25, 2021 The Bank’s CRA geographic assessment area encompasses eight MSA and non-MSA areas in Maine and New Hampshire including the City of Concord, New Hampshire. It is a full service branch facility located in a moderate census tract #33-013-0441.00 with a tract population of 3,773, a tract median family income of 67.20% of 2015 HUD estimated median income, a tract minority population of 17.97%, and a percentage below poverty line of 17.91%. 2578 Bristol Road, New Harbor, Maine acquired December 2020 The Bank’s CRA geographic assessment area encompasses eight MSA and non-MSA areas in Maine and New Hampshire including the Town of New Harbor, Maine. This New Harbor branch was acquired through the merger of Damariscotta Bank & Trust and Bangor Savings Bank in December of 2020. It is a full service branch facility located in an upper income census tract #23-015-9756.00 with a tract population of 3,696, a tract median family income of 140.45% of 2015 HUD estimated median income, a tract minority population of 2.46%, and a percentage below poverty line of 8.04%. 2020: 17 Sennebec Road, Union, Maine acquired December 2020 The Bank’s CRA geographic assessment area encompasses eight MSA and non-MSA areas in Maine and New Hampshire including the Town of Union, Maine. The Union branch was acquired through the merger of Damariscotta Bank & Trust and Bangor Savings Bank in December of 2020. It is a full service branch facility located in a middle income census tract #23-013-9704.00 with a tract population of 6,806, a tract median family income of 109.88% of 2015 HUD estimated median income, a tract minority 1 population of 4.29%, and a percentage below poverty line of 10.72%. 2020: 289 Camden Road, Warren, Maine acquired December 2020 The Bank’s CRA geographic assessment area encompasses eight MSA and non-MSA areas in Maine and New Hampshire including the Town of Warren, Maine. The Warren branch was acquired through the merger of Damariscotta Bank & Trust and Bangor Savings Bank in December of 2020. It is a full service branch facility located in a middle income census tract #23-013-9404.00 with a tract population of 7,488, a tract median family income of 103% of 2015 HUD estimated median income, a tract minority population of 5.80%, and a percentage below poverty line of 15.69%. 2 2020: 100 Main Street, Damariscotta, Maine acquired December 2020 The Bank’s CRA geographic assessment area encompasses eight MSA and non-MSA areas in Maine and New Hampshire including the Town of Damariscotta, Maine. The Damariscotta branch was acquired through the merger of Damariscotta Bank & Trust and Bangor Savings Bank in December of 2020. It is a full service branch facility located in a middle income census tract #23-015-9753.00 with a tract population of 3,603, a tract median family income of 104.19 of 2015 HUD estimated median income, a tract minority population of 2.80%, and a percentage below poverty line of 13.90%. 2020: 619 Main Street, Damariscotta, Maine acquired December 2020 The Bank’s CRA geographic assessment area encompasses eight MSA and non-MSA areas in Maine and New Hampshire including the Town of Damariscotta, Maine. The Damariscotta branch was acquired through the merger of Damariscotta Bank & Trust and Bangor Savings Bank in December of 2020. It is a full service branch facility located in a middle income census tract #23-015-9723.00 with a tract population of 3,603, a tract median family income of 104.19% of 2015 HUD estimated median income, a tract minority population of 2.80%, and a percentage below poverty line of 13.90%. 2019: 170 Turner Street, Auburn, Maine opened November 19, 2019 The Bank’s 170 Turner Street branch location is located at a convenient and easily accessible location close to downtown Auburn. The branch is a newly constructed full service branch and business office with a convenient drive-up and ATM and is located in moderate income census tract #23-001-0103.00 with a tract population of 2,207, a tract median family income of 55.18% of 2015 HUD estimated median income, a tract minority population of 22.34%, and a percentage below poverty line of 26.61%. 2019: 100 Market Street, Portsmouth, New Hampshire, opened June 17, 2019 100 Market Street represents the relocation of 36 Maplewood Avenue, Portsmouth branch and is a limited service branch facility located in upper income census tract #33- 015-0691.00 with a tract population of 4,225, tract median family income of 191.71% of 2015 HUD estimated median income, tract minority population of 7.15% and a percentage below poverty line of 3.67%. The Branch will offer limited service banking and financial services including consumer loans, mortgage loans, small business and commercial loans, payroll, merchant services, and related financial services. While our initial plans do not call for providing deposit services, we may do so at a future date. 3 2019: 26 Chestnut Street, Andover, Massachusetts, opened May 20, 2019 26 Chestnut Street in Andover is a Loan Production Office supporting consumer mortgage originations. The branch is located in upper income census tract #25-009- 2542.00 with a tract population of 5,056, tract median family income of 123.28% of 2015 HUD estimated median income, tract minority population of 15.21% and a percentage below poverty line of 11.83%. The Branch will offer limited service banking and financial services. 2019: 11 Hamlin Way, Bangor, Maine opened February 2019 11 Hamlin Way in Bangor represents the Banks corporate headquarters and operations center.. The location is also a limited service branch facility located in moderate income census tract #23-019-0002.00 with a tract population of 3,609, tract median family income of 51.63% of 2015 HUD estimated median income, tract minority population of 8.04% and a percentage below poverty line of 34.64%. The office will offer limited service banking and financial services including consumer loans, mortgage loans, small business and commercial loans, payroll, merchant services, and related financial services. 2018: 8 Bow Street, Portsmouth, New Hampshire opened November 19, 2018 The Bank’s 8 Bow Street branch location is located at a convenient and easily accessible location in downtown Portsmouth. The branch is a full service branch with a convenient walk-up ATM and is located in upper income census tract #33-015-0691.00 with a tract population of 4,225, a tract median family income of 191.71% of 2015 HUD estimated median income, a tract minority population of 7.15%, and a percentage below poverty line of 3.67%. 2018: 200 International Drive, Portsmouth opened May 2018 The Bank’s 200 International Drive location is a Loan Production Office supporting non- branch offices. It is located in a middle income census tract #33-015-1074.00 with a tract population of 1,212, a tract median family income of 108.15% of 2015 HUD estimated median income, a tract minority population of 13.61%, and a percentage below poverty line of 6.13%. The location will offer limited service banking and financial services. 4 2018: 24 Hamlin Way, Bangor, Maine opened July 20, 2018 24 Hamlin Way in Bangor represents the Banks corporate headquarters and executive offices. This location is also a limited service branch facility located in moderate income census tract #23-019-0002.00 with a tract population of 3,609, tract median family income of 51.63% of 2018 HUD estimated median income, tract minority population of 8.04% and a percentage below poverty line of 34.64%. This location will offer limited service banking and financial services including consumer loans, mortgage loans, small business and commercial loans, payroll, merchant services, and related financial services. 2018: 208 Main Street, Biddeford, Maine opened July 16, 2018 The Bank’s 208 Main Street branch location is located at a convenient and easily accessible location on Main Street in Biddeford and replaces an older and less accessible branch located at 163 Main Street in Biddeford and a limited service drive up branch located at 5 Washington Street. The branch is a full service branch with convenient drive up facilities and is located in a low income census tract #23-031-0252.02 with a tract population of 7,445, a tract median family income of 49.66% of 2015 HUD estimated median income, a tract minority population of 10.66%, and a percentage below poverty line of 31.08%. 2018: 138 Main Street, Pittsfield Maine, opened July 2, 2018 The Bank’s 138 Main Street branch location is located at a convenient and easily accessible location on Main Street in Pittsfield and replaces a smaller, older and less accessible branch located at 108 Somerset Plaza in Pittsfield .
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