Bridge Bancorp : D.A. Davidson – Virtual Investor Conference 9/14/2020

D.A. DAVIDSON

VIRTUAL INVESTOR CONFERENCE

FORWARD LOOKING STATEMENTS

This release may contain statements relating to the future results of the Company (including certain projections and business trends) that are considered "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995 (the "PSLRA"). Such forward-looking statements, in addition to historical information, involve risk and uncertainties, and are based on the beliefs, assumptions and expectations of management of the Company. Words such as "expects," "believes," "should," "plans," "anticipates," "will," "potential," "could," "intends," "may," "outlook," "predicts," "projects," "would," "estimates," "assumes," "likely," and variation of such similar expressions are intended to identify such forward-looking statements. Examples of forward- looking statements include, but are not limited to, possible or assumed estimates with respect to the financial condition, expected or anticipated revenue, tax rates, and results of operations and business of the Company, including earnings growth; revenue growth in retail banking, lending and other areas; origination volume in the consumer, commercial and other lending businesses; current and future capital management programs; non-interest income levels, including fees from the title abstract subsidiary and banking services as well as product sales; tangible capital generation; market share; expense levels; and other business operations and strategies. The Company claims the protection of the safe harbor for forward-looking statements contained in the

PSLRA.

Factors that could cause future results to vary from current management expectations include, but are not limited to, changing economic conditions; legislative and regulatory changes, including increases in FDIC insurance rates; monetary and fiscal policies of the federal government; changes in tax policies; rates and regulations of federal, state and local tax authorities; changes in interest rates; deposit flows; the cost of funds; demands for loan products; demand for financial services; competition; changes in the quality and composition of BNB's loan and investment portfolios; changes in management's business strategies; changes in accounting principles, policies or guidelines; changes in real estate values; an unexpected increase in operating costs; expanded regulatory requirements; expenses related to our proposed merger with Dime Community Bancshares, Inc., unexpected delays related to the merger, or our inability to obtain regulatory approvals or satisfy other closing conditions required to complete the merger; and other risk factors discussed elsewhere, and in our reports filed with the Securities and Exchange Commission. In addition, the COVID-19 pandemic is having an adverse impact on the Company, its customers and the communities it serves. The adverse effect of the COVID-19 pandemic on the Company, its customers and the communities where it operates may adversely affect the Company's business, results of operations and financial condition for an indefinite period of time. The forward-looking statements are made as of the date of this report, and the Company assumes no obligation to update the forward-looking statements or to update the reasons why actual results could differ from those projected in the forward-looking statements.

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FORWARD LOOKING STATEMENTS

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Important Additional Information and Where to Find It

This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval with respect to the proposed merger with Dime Community Bancshares, Inc. (the "Merger"). No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer, solicitation or sale would be unlawful.

In connection with the Merger, the Company will file with the SEC a Registration Statement on Form S-4 (the "Registration Statement") that will include a joint proxy statement of the Company and Dime and a prospectus of the Company (the "Joint Proxy Statement/Prospectus"), and each of the Company and Dime may file with the SEC other relevant documents concerning the Merger. The definitive Joint Proxy Statement/Prospectus will be mailed to shareholders of the Company and Dime. Shareholders and investors are urged to read the Registration Statement and the Joint Proxy Statement/Prospectus, and any other relevant documents filed with the SEC by the Company or Dime and any amendments or supplements to those documents, carefully and in their entirety, because they will contain important information about the Company, Dime and the Merger.

Free copies of the Joint Proxy Statement/Prospectus and other relevant SEC filings may be obtained at the SEC's website, www.sec.gov, when they are filed. You will also be able to obtain these documents, when they are filed, free of charge, by directing a request to Bridge Bancorp, Inc., 2200 Montauk Highway, P.O. Box 3005, Bridgehampton, New York 11932, Attention: Corporate Secretary, or by calling [phone], ext. 7255, or to Dime Community Bancshares, Inc., 300 Cadman Plaza West, 8th Floor, Brooklyn, New York 11201, Attention: Corporate Secretary, or by calling [phone], or by accessing the Company's website at www.bnbbank.com under the "Investor Relations" tab or by accessing Dime's website at www.dime.comunder the "About-Investor Relations" tab. The information on the Company's and Dime's websites is not, and shall not be deemed to be, a part of this presentation or incorporated into other filings either company makes with the SEC.

Participants in the Solicitation

The Company, Dime, their respective directors, and certain of their executive officers and employees may be deemed to be participants in the solicitation of proxies from shareholders in connection with the Merger. Information about the Company's directors and executive officers is available in its proxy statement for its 2020 annual meeting of shareholders, which was filed with the SEC on April 28, 2020, and information about Dime's directors and executive officers is available in its proxy statement for its 2020 annual meeting of shareholders, which was filed with the SEC on April 15, 2020. Information regarding all of the persons who may, under the rules of the SEC, be deemed participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the Joint Proxy Statement/Prospectus regarding the Merger and other relevant materials to be filed with the SEC when they become available. Free copies of these documents may be obtained as described in the preceding paragraph.

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BRIDGE BANCORP DIFFERENCE

• Largest community bank headquartered on Long Island
• Longstanding history of growth and success
• Attractive, high density footprint with favorable customer demographics
• Experienced, proven management team
• Customer focused, local decision-making
• Consistent shareholder return
• 53% DDA of IPC funding
• Stable core margin
• Active Interest Rate Risk Management
• Superior asset quality

Community Banking at its Best from Montauk to Manhattan

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