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Evans Bancorp, Inc.
Drexel Hamilton Financial Services Conference
March 12, 2015

Evans Bancorp, Inc. (NYSE MKT: EVBN) is a financial holding company for Evans Bank, a federally chartered community bank and Evans National Financial Services. The Company, through its banking and financial services subsidiaries primarily conducts business in Erie, Cattaraugus, Chautauqua and Niagara counties of Western New York.

Evans Bank is a full-service commercial bank with principal bank product offerings that include personal and business deposit services, online banking, consumer installment loans, residential and commercial real estate lending, lines of credit and merchant credit cards. Currently, Bank branches are located in Amherst, Angola, Clarence, Derby, Elmwood Village, Evans, Forestville, Hamburg, Lancaster, North Boston, North Buffalo, Tonawanda and West Seneca, New York; however the Bank is actively pursuing a de novo expansion strategy to increase the size of its retail branch system.

The Company initiated a revenue diversification strategy in 2000 by acquiring non-bank and non-interest margin based financial services businesses. Nine insurance-related acquisitions were completed between September 2000 and October 2004, which combined to form The Evans Agency, Inc., a subsidiary of the Company’s holding company, Evans National Financial Services, Inc. The Evans Agency Insurance offices include fourteen locations, several of which are located within Bank branches. In addition to auto, home, life, business, municipal and employer insurance products and benefit programs, the Agency includes a financial services division that offers access to investments and securities. The Evans Agency continues a strategy to actively consolidate smaller insurance agencies in existing or contiguous markets.

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Contact Information

Evans Bancorp, Inc.
One Grimsby Drive
Hamburg, NY 14075
(716) 926-2000
(716) 926-2005 Fax

Investor Relations Contact
Ms. Michelle A. Baumgarden
(716) 926-2032

Transfer Agent
250 Royall Street, Mail Stop 1A
Canton, MA 02021
(888) 294-8217