FOCUSED ON THE FUTURE...Carol Brewer, VICE PRESIDENT & CUSTOMER SERVICE MANAGER Chasity Bruce,...

FOCUSED ON THE FUTURE

THE BANKERS’ BANK | PRODUCTSwww.bbky.bank

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Table of Contents

Correspondent Banking, Personalized Service

Chartered in 1988 as a bankers’ bank, The Bankers’ Bank of Kentucky was organized to only do business with other banking institutions and is owned solely by its customer banks.

The Bankers’ Bank of Kentucky provides superior customer service and competitive pricing. We focus our efforts on what matters most to our community bank customers: quality correspondent bank services from a provider that will not compete with your bank.

What makes this concept a reality at The Bankers’ Bank? Simply put, as a user of our services, you may also be an owner of our bank. Our purpose is to meet the needs of community banks, not to achieve high profits at our customers’ expense. The Bankers’ Bank helps community banks cut costs, utilize staff more effectively, and protect its earnings.

The Bankers’ Bank of Kentucky is the only locally-owned correspondent bank in the region. We believe that doing business with The Bankers’ Bank of Kentucky is good for community banks.

For more information on The Bankers’ Bank of Kentucky’s products and services please contact one of our Correspondent Banking Professionals.

It shall be the mission of The Bankers’ Bank of Kentucky to provide the highest quality correspondent and

other banking services in our continuing effort to protect, promote and support the community bank model.

Mission Statement

Our Heritage

3.

Meet The Senior Management Team

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Meet The Senior Management Team

Senior Management TeamDerek Hetherington, PRESIDENT & CEOBrandon Feltner, SENIOR VICE PRESIDENT & SENIOR LOAN OFFICERJanice Smoot, CHIEF FINANCIAL OFFICERStephanie Oerther, SENIOR VICE PRESIDENT & CHIEF CREDIT OFFICERBecky Sisco, SENIOR VICE PRESIDENT & CHIEF OPERATIONS OFFICERLynn Ellis, SENIOR VICE PRESIDENT & INNOVATION OFFICER

Correspondent Banking Account Executive Team Shawn O’Keefe, VICE PRESIDENT & SALES MANAGER

Todd Beers, VICE PRESIDENT & ASSISTANT SALES MANAGER

David Fletcher, VICE PRESIDENTWatson Ritchie, ACCOUNT EXECUTIVE

Brad Adkins, ACCOUNT EXECUTIVE

Paul Loxley, ACCOUNT EXECUTIVE

Credit Services Team Megan Wilson, JUNIOR CREDIT ANALYSTZac Bodenheimer, JUNIOR CREDIT ANALYST Dede Johnson, LOAN SUPPORT SPECIALIST

Administration TeamBritney Leach, DIRECTOR OF COMMUNICATIONS & HUMAN RESOURCES

Cameron Lee, FINANCE ASSOCIATE

Investment Services Team Scott Kimel, SENIOR VICE PRESIDENT Richard Robey, SENIOR VICE PRESIDENT Maria Wilke, CALLING OFFICER

Customer Service Team Carol Brewer, VICE PRESIDENT & CUSTOMER SERVICE MANAGER

Chasity Bruce, CUSTOMER SERVICE SPECIALIST

Jeanne Kaye Hellard, CUSTOMER SERVICE SPECIALIST

Mallory Pierce, CUSTOMER SERVICE SPECIALIST

Mechelle Rose, CUSTOMER SERVICE SPECIALIST

Mandi Owens, CUSTOMER SERVICE SPECIALIST

Jared Luyster, CUSTOMER SERVICE SPECIALIST & ASSISTANT IT COORDINATOR

BBKY Mortgage Team Missy Harrod, ASSISTANT VICE PRESIDENT

Senior Management & Staff

6.

• Customers receive First Class Service from our dedicated Customer Service Team.• Multiple DDA account types available.• Excess funds are automatically transferred into the Agent Federal Fund Program to the nearest $1,000 on a daily basis. • Customers may review their Daily Settlement Position in real time via the BBCONNECT Communications Connection Dashboard. • Federal Funds Sold: Agency Federal Funds can mitigate your exposure by distributing your funds pro-rata to our upstream banks. All upstream financial institutions are evaluated on a monthly basis for Regulation F Ratio Compliance.• Fed Funds Sold Interest is credited to DDA Accounts on a daily basis.

Settlement Services

7.

Agent Federal Funds ProgramOur Agent Federal Funds program allows for the automatic, overnight sweep of excess funds in $1,000 increments from your BBKY DDA. This program saves you time and frustration when it comes to analyzing your investable position. A daily snapshot bank statement and real-time account information is also available throughout the business day. Agent Federal Fund interest is accrued and paid daily to your BBKY DDA Account.

Federal Funds + ProgramFed Funds + is our newest enhancement to the Agent Federal Funds Program off ering an alternative investment option for overnight excess balances.

Program Highlights:Managed Account Services by BBKY as your EBA AgentDaily EBA Reporting via BBCONNECTEliminates Concentration RiskProtects Against Negative Secondary Market RatesEBA Balances are Zero Risk Weighted for Regulation F ReportingNo Risk Investment Option

Federal Funds Programs

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Features Include:��

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BBCONNECT

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ACH CLIENT™• Full ACH origination platform – ALL SEC codes including IAT• Web-based – No software installation required• SSO from many online banking platforms• Automated recurring transaction capabilities• Easy transaction updates on a single screen• Process ACH Client system-created files and customer-created files – Both NACHA formatted and CSV• Multi-layered authentication and user permissions• ALWAYS compliant with NACHA rules

ACH MANAGER™• Over 120 validation points to verify originator, transaction, and batch-level compliance with FI-established criteria• Risk exposure over the entire timeframe that accounts for returns windows and future- dated items• Risk management for third-party service providers (property management, HOA, payroll companies, etc.)• In conjunction with ACH Client, returns/NOC reports delivered directly to originators• Provides stop-pay payment management and DNE management• Multi-level user permissions• Extensive reporting for compliance with all NACHA rules• Easy return processing, including automated returns and account conversions

SMARTSIGHT®• Provides detailed transaction, returns, and over-limits data by originator, SEC code, and return reason code• View data information for previous day, month-to-date, and year-to-date, any date range up to 24 months• View data for each originator’s profile, including sub-accounts• Excellent tool for preparing board reporting• Excellent tool for preparing annual originator review

ACH Origination

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11.

Image Cash Letter Processing Designed for Community Banks

The CheckDirect Program provides Community Banks the unique opportunity to maximize their Bankers’ Bank of Kentucky account relationship combined with their existing Data Processing Infrastructure to securely transmit Outgoing (Forward) and Incoming (Fed Receipt) Image Cash Letter (ICL) files for processing and settlement.

CheckDirect Image Cash Letter Processing, Settlement and Billing:The CheckDirect Program supports ICL solutions for both in-house and out-sourced data processor Community Banks. CheckDirect Customers may review their daily ICL debit/credit settlement entries on the main BBCONNECT Dashboard, and Monthly CheckDirect Billing Reports are located in the BBCONNECT Reports Folder for customer convenience.

BBKY Proudly Off ers Sponsored ECCHO Membership:In order to participate in the CheckDirect Program, Community Banks are required to join ECCHO as a sponsored member. Annual ECCHO membership benefits include: Advocacy, Rules Coverage, Member Discounts, Research/Adjustment Contacts, Online ECCHO Rules Access and Educational Opportunities for all things check. Annual ECCHO Membership dues will be billed through a Community Banks’ BBKY account relationship. To learn more about ECCHO membership benefits, please visit: www.eccho.org

CheckDirect Features & Benefits:• BBCONNECT Full Version Provides Secure ICL Processing, with Integrated Duplicate ICL File Detection.• Settlement Entries Available for Review on BBCONNECT Full Version by Next Business Day Opening of Business.• BBCONNECT Full Version User Rights-Based on CheckDirect Program Utilization.• Check Adjustment Requests for Entry Dollar Threshold is $0.01 or greater for all investigation types.• Research and Adjustment Case Submission Daily Cutoff Time: 3:00 p.m. c.s.t./4:00 p.m. e.s.t.

CheckDirect

DDA BASICAccount Overview & Features:

• Requires DDA Account Opening Documents• DDA Target Balance Requirement of $50,000.00 with a Monthly Account Maintenance Fee of $250.00 or a DDA Target Balance Requirement of $250,000.00 with no Monthly Account Maintenance Fee.• Monthly Shareholder Discount with Stock Purchase• Personal Service powered by the BBKY Customer Service Team• On Demand Account Research, Request, & Resolution Services• Auditor/Examiner Confirmation Requests• Agent Federal Fund Interest accrued and paid daily • DDA Overdraft Protection Incl. with approved FF Line of Credit. Interest will be charged daily for FF Borrowing.• BBCONNECT Basic Access with a Maximum of 5 users including DSO’s (Requires BBCONNECT Usage Agreement)• BBCONNECT Basic Maintenance Updates Included• BBCONNECT Basic DSO Maintenance Requests & Digital User Certificate Creation Included• Unlimited Domestic Settlement Wire Transfer ’s Only under the BBCONNECT Basic Configuration

DDA PREMIER Account Overview & Features:

• Requires DDA Account Opening Documents• DDA Target Balance of $50,000.00 or $250,000.00• Monthly Settlement-Fixed Fee• Monthly Shareholder Discount with Stock Purchase• Personal Service powered by the BBKY Customer Service Team• On Demand Account Research Request & Resolution Services• Auditor/Examiner Confirmation Requests • Pass-Through Reserve Account Maintenance (Requires FRB Pass-Through Reserve Agreement)• In-House Data Processor Banks Receive Incoming ACH Informational File Delivery at No Charge (Requires FRB File Delivery Agreement)• DDA Overdraft Protection Incl. with approved FF Line of Credit. Interest will be charged daily for FF Borrowing.• Daily Account Settlement -Unlimited Debit/Credit Entries Posted • Daily Federal Fund Investment• Agent Federal Funds Interest Accrued & Paid Daily • Unlimited ACH Returns/NOC’s/Origination Files • Unlimited Inter-Respondent Transfers In/Out• Unlimited Domestic Wire Transfers In/Out• Integrated OFAC Screening on Domestic Wires & ACH Files• Unlimited Currency and Coin Orders (Requires FRB Cash Services Request Setup Form) • BBCONNECT Full Access with Unlimited Users and (1) Free On-Site Training Session if requested (Requires BBCONNECT Usage Agreement)• BBCONNECT Software Maintenance Updates Incl.• BBCONNECT DSO Maintenance Requests & Digital User Certificate Creation

Account Types

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ACCOUNT FEATURES

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Demand Deposit Account Types

The Bankers’ Bank is pleased to off er “Bankers Choice” Certificates of Deposits as an alternative Investment opportunity.

• CD Terms: 6 or 12-Months • Investment Amounts: $100,000.00 or $250,000.00• Interest Rate: Fixed • Interest Paid Quarterly: Posted to a BBKY DDA or Check • Early Withdrawal: Available with Penalty

Bankers Choice Certificates of Deposit

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Financial firms are required to eff ectively measure and manage risk, forecast balance sheet performance, meet regulatory requirements and make critical business decisions.

BBKY/FNBB delivers the power of the FIS Ambit Asset Liability Management (ALM) platform to provide complete multi-dimensional analysis of the balance sheet, incorporating interest rate risk, income simulation and market valuation using deterministic modeling.

Features include:• A flexible, scalable component-based architecture and an object-oriented modeling environment• Extensive modeling capabilities and flexibility in defining business assumptions• Integration with Microsoft© Excel to provide flexible and powerful reporting

Benefits include:• Measures risk from both accounting and economic perspectives to determine possible eff ects on net interest income, net income and economic value of equity under a variety of interest rate environments. Available are: • Parallel and non-parallel shocks • Static and dynamic balance sheet modeling• Projects cash flows, earnings, re-investments and present values as these would develop over time based on assumptions you provide. The process is repeated for other interest rate scenarios to measure diff erences• Produces “what if ” scenarios including deposit run-off in a liquidity stress test, new deposit products, new branches and sensitivity testing of behavioral assumptions• Has the ability to produce a budget database using detail-level data, as well as variance reporting• Stores historical data to allow for various trend analyses• Assists in providing reasonable new-business assumptions• Off ers ALM education through seminars and workshops

A Certified ALM ProgramThe ALM model program off ered by FNBB is independently certified by McGuire Performance Solutions (MPS). This program certification meets suggested decision risk assessment processes described in regulatory model-related governance. The certification earned a grade equivalent to an “A.” According to the MPS Executive Summary report, the FNBB program is acceptable by both business and regulatory standards. Processes, report content and user controls are well-defined and expertly executed.

Asset Liability Management Services

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Participation Loans The Bankers’ Bank understands that quality credits are essential to the profitability of a community bank. We routinely assist our customers by purchasing loans over their legal lending limit, thereby allowing them to service their largest borrowers with a transparent and non-competitive solution. Additionally, we are a resource for loans to banks whose demand for credit is not suff icient in their communities. For banks looking to grow their portfolios, BBKY off ers high quality loan participations to shareholder banks. With a network of hundreds of banks throughout the region, we can help your bank obtain well-structured, conservative credits with solid yields.

Holding Company Loans and Lines of CreditWe can assist your institution with credit facilities for purposes such as repurchase of stock, acquisition, capital injection, or funding of defined benefit plans (ESOPs and KSOPs).

Bank Organization LoansWe off er loans for organizational expenses to de novo banks as well as initial bank stock financing for off icers and directors.

Director and Offi cer LoansThe Bankers’ Bank can minimize Regulation O concerns by originating confidential Director and Off icer loans with competitive rates and flexible terms.

Credit Services

16.

The Bankers’ Bank partners with the First National Bankers Bank (FNBB), the nation’s oldest nationally chartered banker’s bank, to off er a wide array of full service investment services.

The Bankers’ Bank Investment Department combines state-of-the-art bond accounting/safekeeping, investments, and trading with the highest standards of customer service. We off er “one stop” service to ease your workload by eliminating third party transfers and unnecessary paperwork.

The Bankers’ Bank Investment Department uses FIS InTrader, the industry leader in financial services technology to provide state-of-the-art safekeeping and bond accounting.

All reports and documents are delivered via the Internet at no charge.

Jointly, The Bankers’ Bank and the First National Bankers Bank’s investment department personnel have worked together for over 15 years. The Investment Department provides community banks a non-competitive alternative in the investment area, and the peace of mind that their investment relationship will be here for them regardless of what changes take place in the world of correspondent banking.

Investment Services

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Bankers Service Corporation stays current on the latest changes in rules and regulations to help your bank remain in compliance...with professional consultation, audits, and reviews for all critical areas of your operations, including:

• Loan ReviewOur internal loan review program incorporates a comprehensive analysis of credit quality and loan administration procedures. We typically conduct reviews annually, semi-annually, or up to four times during a twelve-month period or tailored to individual needs. At the conclusion of each review, a comprehensive report will be prepared and presented to the Directors and management, as requested.

• Compliance and Fair Lending Audits and ConsultingCommunity banks must have a sound Compliance Management System with adequate policies and procedures. Our Compliance Audit Services will help assist in this process. Compliance audits are performed for loans, deposits, Privacy, CRA and other consumer protection areas. The reviews are conducted in accordance with regulatory guidelines and include all aspects of loan and deposit compliance. We also provide fair lending reviews.

• Bank Secrecy Act and Anti-Money-Laundering AuditsAccording to BSA regulations, an independent party must perform an independent test of a bank’s Bank Secrecy Act compliance program every 12 to 18 months, depending on the Bank’s risk profile. Comprehensive procedures performed in our independent BSA Review are conducted in accordance with the FFIEC’s BSA/AML Examination Manual. Each review’s procedures and findings are submitted to the Board of Directors in a written report.

• ACH Compliance AuditsThis audit is intended to assist the bank in complying with the annual audit requirement of the National Automated Clearing House Association (NACHA) for banks providing receiving and origination functions for ACH items. NACHA requires that this audit be completed prior to December 31 each year.

• Internal Audits and ControlsThe internal audit process utilizes risk assessments in order to identify those functions and areas of bank operations that pose the most significant risks to strong and eff icient bank performance. From that risk assessment, a program specific to your bank is developed including obtaining an understanding of internal controls

in place within the institution over key business processes and how the organization’s personnel function under existing controls and manage their assigned responsibilities. The adequacy of existing controls is evaluated through performance of internal audit procedures in the various operational areas of the institution.

• Asset and Liability Management(ALCO) Audits, Including BacktestingWe will review the Bank’s policies and procedures relating to interest rate risk, liquidity, and funds management. We will review the Bank’s third party model, if utilized, as well as “back-test” the assumptions used in the model.

• Examination and Investigation Consultation / Problem BanksFor institutions that have been placed under regulatory enforcement action, our staff will work with bank personnel in order to assist in developing needed policies, procedures, and training programs that will enable them to correct the problem areas noted by the regulators.

• Strategic Planning ConsultationWe can assist your institution with a variety of strategic planning needs.

Regulatory and Risk Management ServicesOff ered Through Affi liate Bankers Service Corporation

18.

As the secondary market mortgage lending world grows more complex and specialized, community banks find themselves in a challenging position of trying to manage this line of products. The internal management of the department combined with a fluctuating rate environment and the cyclical nature of the real estate market creates a trifecta of problems that makes many community banks want to avoid secondary market lending altogether.

While the BBKY Mortgage can’t control mortgage interest rates or real estate market fluctuations, we can provide a community bank with the expertise and support needed to help your bank originate, process, and close mortgage loans quickly and eff iciently. By utilizing Bankers’ Bank mortgage services you can:

• Generate fee income for your bank.• Reduce expenses by outsourcing the majority of the mortgage process.• Strengthen and grow your customer relationships.• Off er all the popular mortgage products with competitive rates and fees.• Give your borrowers a better lending experience from application to closing.

Our BBKY Mortgage staff , combined with our lending partner’s staff , off er experience and capacity that are diff icult to replicate within many community banks. Our operation is not a “one size fits all” program, we understand community banking and can tailor fit a program that will enhance your strengths and enable you to compete in a very competitive marketplace.

BBKY Mortgage

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The Bankers’ Bank, in partnership with Ascendant FX, provides Community Banks with online access to International payments providing them with the ability to attract higher value clients. Community Banks that utilize The Bankers’ Banks BBCONNECT full version system may access Ascendant’s International payment services seamlessly. Features include the ability to send payments to more than 200 Foreign Countries in over 135 diff erent International Currencies.

Ascendant FX developed its International online platform to accommodate the specific needs ofCommunity Banks; which includes REG E disclosures, Real Time Exchange Rates, OFAC Scanning, Dodd Frank Reporting Capability, and Payee Intelligence which prompts the user for country specific information during the creation of International Payments. To learn more about how our International Services can work for your bank please contact your Correspondent Banking Off icer.

SERVICES AVAILABLE

• International Wire Out Transfers-US Dollar or International Currency• International Wire’s In via SWIFT• Foreign Check Collection/Cash Letter • Canadian Check Collection-US Dollars or Canadian/Cash Letters• Foreign Currency Purchase & Redemption (excluding coin powered by CXI)

International Services

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The Bankers’ Bank , in partnership with Elan Financial Services, is pleased to off er credit card solutions that position your bank for growth and profit. Elan is a global leader in the payments industry, and delivers reliable and secure payment solutions. Elan off ers an eff icient, easily-managed and profitable credit card program that has been designed as a comprehensive solution in which Elan is the credit issuer and service provider. This arrangement provides your financial institution with the support needed to ensure your ability to respond to both the needs of your customers as well as the changing market.

Elan will provide a credit card program to help your bank earn income, increase market share and gain a competitive advantage in your marketplace by providing solutions for consumers as well as business customers.

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Consumer Card Products• Cash Rewards VISA®

• VISA® Platinum Cards• VISA® Classic Card• VISA® Travel Rewards Card

Business Card Products • VISA® Business Card• VISA® Business Travel Card • VISA® Company Card

Benefits to your bank• Minimal costs associated with the program as Elan handles all support functions.• You earn income based on the compensation program you select to best meet your needs.• A credit card program that puts your bank name in front of your current and prospective customers.• Elan ensures the privacy of your cardmembers and confidentiality of your card program.• Elan provides you with personalized branded applications and forms.

• Elan creates the card plastics with your logo, then embosses and distributes all cards, PINS and regulatory information to your cardmembers. • Elan establishes and manages guidelines for processing, underwriting and decisioning applications.• Elan provides a variety of online tools for application submission, decisioning and tracking.

Credit Card Solutions

Elavon: Your Partner in Payments

What Can We Do For You?Earn More Revenue��

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Valuable Incentive Programs��

Our Experience Is Your AdvantageSupport to Meet Your High Standard��

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Merchant Services

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The Bankers’ Bank in partnership with Convenient Cards provide Prepaid Card Programs for Community Banks.• Generate new fee income• Add value to existing account holders • Defend against alternative financial product providers

Products:Convenient Visa TravelMoney Card• Reloadable card designed for travelers• Combines the security of Traveler ’s Cheques with the convenience of a Visa card• Safer than carrying cash• Make purchases/get cash anywhere Visa debit cards are accepted: online, in store, ATM’s and over the phone• Automatic currency conversion on purchases and at ATMs• Text / email alerts when card is used or card balance is low • 24/7 card account information online or via 800 number• Easy to report if lost or stolen (1-800-486-0292)• Protects from bank account fraud because card not tied to personal bank information• Fraud protection with Visa Zero Liability if card is lost or stolen• 24-hour Travel and Emergency Assistance Services• Lost Luggage Reimbursement• Purchase Security

Convenient Visa Gift Card• The gift that allows the recipient to purchase exactly what they want• Good anywhere Visa debit cards are accepted: online, in store, and over the phone• Security of plastic with the convenience of cash• Spending limited to the prepaid amount loaded on the card• Text / email alerts when card is used or card balance is low • Single load from $10 to $500 • 24/7 card account information online or via 800 number

Convenient Visa Incentive Card• Ideal for employee rewards, rebates, consumer promotions and sales incentives• Good anywhere Visa debit cards are accepted: online, in store, and over the phone• Security of plastic with the convenience of cash• Spending limited to the prepaid amount loaded on the card• Text / email alerts when card is used or card balance is low • Single load from $10 to $750• 24/7 card account information online or via 800 number

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Reloadable Visa® Cards

The Bankers’ Bank, in partnership with Velocity Solutions’ CashPlease® platform, allows community banks to provide their customers with easy access to cash at aff ordable interest rates, while staying compliant and dramatically increasing operational eff iciencies over manual solutions.

CashPlease® is a turnkey, digital solution that automatically manages the application, processing, underwriting and funding of each consumer loan.

Federal financial regulators have encouraged community banks to off er aff ordable, responsible small-dollar loans to consumers for years, and on March 26, 2020, the five primary federal financial regulators issued a joint statement encouraging banks to off er responsible small-dollars loans to consumers in response to COVID-19.

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�� CashPlease delivers a new revenue stream from consumers that would be spending high fees to obtain credit elsewhere.

�� Fully automated program requires no additional support staff or loan off icers.

��Loans are underwritten by Velocity’s proven proprietary underwriting technology, which utilizes alternative data—a method encouraged by several regulatory agencies.

��Compliant with all existing federal lending regulations, including the Military Lending Act.

�� Provide your customers with loans that are aff ordable and responsible, increasing loyalty and retention.

��Integrates with your core and mobile banking via Single Sign On (SSO), and loans are booked and funded to your core.

� ��Velocity develops your white-label website with your colors and logo, so your customers can apply for a loan 24/7.

�� Your customers can apply for a loan anytime, anywhere — conveniently, quickly, safely and privately.

��Velocity’s marketing team creates marketing materials to support your program at launch and throughout the life of the program, all branded for your bank.

�� As a community bank, you have an important role to play in protecting consumers from predatory lending sources and to provide them with aff ordable and convenient access to cash.

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Small-Dollar, Short Term Consumer Loans

The Bankers’ Bank, in partnership with Velocity Solutions’ Intelligent Limit System®, gives community banks the ability to provide their customers with individual overdraft limits based on their unique ability to repay.

Intelligent Limit System® is a truly managed overdraft solution backed by data science, resulting in reduced risk for community banks and their customers, compared to systems which set the same limit for all accounts.

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�� Limits are customized for each account and adjusted as necessary when there are changes to the risk level of the account.

�� By better serving depositors who have demonstrated an ability to repay at higher overdraft limits, there is a potential to increase your overdraft revenue while also decreasing charge-off s, contributing to significant net income improvement.

��Automated program does not require additional staff to manage charge off s.

�� Easily integrates with all core systems, and adaptable if you should need to change core vendors.

�� 99%+ of monitored overdraft events with a limit greater than zero repay the negative balance.

�� Our data science team provides multiple points of peer data on Reg. E, waivers, refunds, attrition, paid item amounts, usage and deposits, with recommendations as needed for adjustments to the dynamic limit logic.

��Velocity maintains a knowledgeable and seasoned staff with decades of experience in compliance, operations and finance, across thousands of banks.

��Training materials, online webinars, on-site professional trainers and group training with your peers are available for your front-line, operations staff and executives.

��ILS reports provide actionable information for management, operations and the regulators with access to real-time dashboards of key metrics.

�� Easy-to-navigate features, friendly software interface, ability to build reports in a flexible manner utilizing unique data points and much more.

�� Our support staff responds promptly, even outside normalbusiness hours. Our support team is entirely US-based, and fully employed by Velocity Solutions.

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Overdraft Management Using Customized, Managed Limits

The Bankers’ Bank, in partnership with Autobooks, is excited to off er a cost eff ective platform to enhance your Small Business Banking Solutions by providing the ability to upgrade your existing Small Business account relationships and attract new Small Business clients.

Today’s Small Business Owners often source online software solutions from non-bank providers who routinely off er deposit, credit and lending products that compete with Community Banks. By leveraging the Autobooks all-in-one product suite solution, your financial institution can now compete with these non-bank providers, and provide your Small Business Customers with the online tools they need to operate eff iciently, including the ability to accept online payments in minutes!

The Autobooks Small Business All-In-One Product Suite

Features:

• Digital Invoicing• Online Payment Acceptance• Automated Bookkeeping • Business Bill Pay• Financial Reporting• Payroll Services

To learn more about Autobooks, and toschedule a demonstration with our team visit https://info.autobooks.co/bbky or contact your BBKY Account Executive.

Small Business Banking Solutions

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A strong Bankers’ Bank makes for stronger Community Banks. Our holding company, Independent Community Bancorp, Inc., was formed to own 100% percent of The Bankers’ Bank of Kentucky. By becoming a shareholder, your bank will become part of The Bankers’ Bank’s continuing success.

New Shareholder ProgramMinimum Purchase Level: 20 Shares Price of ICBI Stock: $4,200.00 Per Share

Shareholder Benefits• Annual Paid Dividend• Monthly Billing Discount• Loan Participation Opportunities• Invitation to the Annual Shareholders Meeting & Golf Outing

New Standard Bearer Shareholder ProgramMinimum Purchase Level: 80 Shares Price of ICBI Stock: $4,200.00 Per Share

OR

Existing Shareholders qualify by increasing their investment to 80 shares, not to exceed 10% percent of their paid in capital and unimpaired surplus.

Standard Bearer Benefits• Annual Paid Dividend• 18 Months Free Safekeeping & Bond Accounting-New Customer• 5% Percent Ongoing Discount on Investment Services • Registration Discount for the Bankers’ Bank of Kentucky’s Annual Credit Conference• 4 Free Golf Registrations to Independent Community Bancorp, Inc.’s Annual Shareholders Golf Outing • Preferred Federal Fund Borrowed Rate• 10% Percent Discount on Correspondent Billing • First Option to Purchase BBKY Loan Participations• 2 Free Registrations to Annual Investment Conference in San Destin, Florida

Stock Ownership

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FOCUSED ON THE FUTURE...Carol Brewer, VICE PRESIDENT & CUSTOMER SERVICE MANAGER Chasity Bruce,...

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