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1. How can individuals and businesses approach choosing the right card for their needs? Start with your goals—how do you spend and what do you want your card to do? For individuals, that might mean earning rewards from everyday purchases, building credit, or lowering interest costs. Business owners often need expense controls and visibility across multiple users. Bangor Savings Bank offers a range of everblue® Credit Card options to fit your needs. For everyday use, our debit cards offer free ATMs worldwide 1 , contactless se- curity, and card controls like spending alerts and card lock. Businesses can also add our Business Debit Mastercard® for expense tracking, and user limits. 2. What role can credit cards play in helping people manage expenses or build credit responsibly? Used wisely, credit cards can be a real asset. They help spread out costs, offer protections that cash cannot, and sup- port long-term goals. Paying on time and keeping balances low helps build strong credit. Bangor Savings Bank's everblue® Credit Cards meet people where they are, with lower rates, flexible rewards redemption for travel, gift cards, or statement credits. Mastercard® Zero Liability and ID Theft Protection add peace of mind. "Whether building credit or earning rewards, we strive to offer flexibility and control so customers build financial stability, not stress," says Kristen Vilasuso, Senior Vice President, Credit Card Program Manager. 3. What should business owners look for in a card program to help manage operations and employee spending? Managing business operations and employee spending efficiently is key for business owners. The right card program balances flexibility and control, streamlining expense management, reducing reimbursement hassles, and providing real-time visibility. User-level limits and tracking simplify oversight, while rewards add value. The everblue® business credit card offers these tools, including online account management, allowing business owners to analyze spending by category, set limits, and view reports instantly. Our Business Debit Mastercard® com- plements this with fraud protections, contactless payments, and spending alerts through Bangor Online and Mobile Banking. Together, these options save time, improve transparency, and build confidence in how money is managed. 4. How can using cards support local businesses and communities? Rewards cards that encourage local purchases help keep money circulating within the community, directly support- ing small businesses and neighbors. Bangor Savings Bank's everblue® Cash Back Plus and Business Rewards Plus Credit Cards offer an extra 1% back on purchases made in Maine and New Hampshire, encouraging cardholders to shop locally. Our personal Debit Mastercard® also supports local busi- nesses through the Buoy Local® rewards program, which incentivizes consumers for shopping locally at participating businesses. By aligning financial tools with regional values, everyday spending becomes an investment in the places we live and work. 5. What advice would you give to someone deciding between card options at a community bank versus a larger national provider? While national providers may offer scale, community banks like Bangor Savings Bank combine modern banking tools with personal service and sup- port, as well as a deep understanding of local needs. Our promise is simple: You Matter More. That means designing products with you in mind and being there when it counts. Whether you choose an everblue® Credit Card or a Debit Mastercard®, you'll have con- tactless security, Mastercard® Zero Liability, ID Theft Protection, and digital access, backed by local expertise. This mix of capability, care, and community focus is what sets us apart. S P O N S O R E D C O N T E N T Ask the Expert Choosing the Right Card: Tools for Everyday Spending, Business Management, and Local Impact By Angela Nelson Senior Vice President, Director of BaaS Opera ons and Merchant Solu ons, Bangor Savings Bank Business spending that works for you Bangor Savings Bank's everblue ® Business Rewards Plus Mastercard ® Credit Card¹ helps with cash flow, tracks expenses, and earns double rewards on local purchases. The Business Debit Mastercard ® offers direct access to your business account for everyday spending, free ATMs,² and discounts on services. And behind every card is something even more valuable – local support. And behind every card is something even more valuable – local support. With Bangor Savings Bank's You Matter More commitment, you'll always have a team nearby that understands your business and is ready to help. Get the cards that can help your local business thrive. Stop by any branch location or visit bangor.com/business. ¹ Visit bangor.com/everblue for current offers and important rate, fee, and other cost information. ² For certain international ATM withdrawals, due to technical limitations, we will automatically reimburse $3.00 of an ATM fee charged, within three (3) business days. In those instances where the fee exceeds $3.00, please bring your ATM transaction receipt to any Bangor Savings Bank branch for the remaining reimbursement. Please ask for further details before traveling abroad. 1 Contact us for ATM reimbursement details.

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