Which of these adaptations help polar bears to live in a cold climate?

The features that help polar bears to adapt and live in cold climates are:

1. White fur: It helps them to camouflage in the snow and hide from predators. 
2. Fat below the skin: The layer of fat insulates the body by maintaining heat in the body.
3. Sense of smell:  Good sense of smell helps them to find food easily in snow or even in frozen water.