PRODUCT BROCHURE

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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 bank 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.

OUR HERITAGE

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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

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The Bankers’ Bank, in partnership with First National Bankers Bank (FNBB), is ready to earn your trust. We provide an asset/liability management solution that is customized specifically to your institution at an attractive price point.

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

Benefits include:• Measures risk from both accounting and economic perspectives to determine possible effects on net interest income, net income and economic value of equity under a variety of interest rate environments. • 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.• Produces “what if” scenarios.• Has the ability to produce a budget database using detailed-level data, as well as variance reporting.• Stores historical data to allow for various trend analyses.• Certified ALM Program

ASSET LIABILITY MANAGEMENT SERVICES

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• Customers receive Top Class Service from our BBKY Customer Service Representatives.• Funds are automatically swept into Agent Federal Funds to the nearest $1,000 without the need for a phone call or manual transaction.• Financial Institutions receive their daily cash position in real time via BBCONNECT.• 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 your DDA Account daily.• Federal Funds Purchased-Settlement/ Clearing Customers may be granted a FF Purchased Line of Credit subject to underwriting requirements.• BBKY may act as Pass-Through Agent for FRB Required Reserves.• $250,000.00 Opt In Target Balance Program: This program allows customer banks to reduce their monthly billing expense using funds that are fully insured by the FDIC’s coverage limit. A monthly earnings credit discount will be applied to analysis billing.

BBCONNECT Customer Communications Accessed through our high security website, BBCONNECT offers easy access to submit report and audit all Correspondent Transactions. BBCONNECT provides a user-friendly drop-down menu format providing a single source for all necessary applications. Features Include:• Competitive Monthly Access Fee• Digital User Certificate combined with Username, Password and Challenge Question to comply with Multi-Factor Authentication requirements• Online Training Videos & Resource Documents• Real Time Cash Position via the BBCONNECT Dashboard• An Integrated OFAC database checks Wire Transfers and ACH International Transactions Automatically at no additional charge.• Outbound Domestic Wire Transfers are sent via Fedline Direct providing nearly real-time processing.• ABA Look-Up and Verification with Auto-Fill For Wire Transfers• Import and Export ACH Capabilities• Outbound International Wire Transfers• Email Notifications to customers originating or receiving Wire Transfers (Transaction Tracker Users)• FRB Currency and Coin Orders• Large Dollar Notifications and FRB Check Adjustments In/Out

Settlement/Clearing

OPERATIONS

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CREDIT SERVICES

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 sufficient in their communities. For banks looking to grow their portfolios, BBKY offers 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 offer loans for organizational expenses to de novo banks as well as initial bank stock financing for officers and directors.

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

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INVESTMENT SERVICESThe Bankers’ Bank partners with the First National Bankers Bank (FNBB), the nation’s oldest nationally chartered banker’s bank, to offer 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 offer “one stop” service to ease your workload by eliminating third party transfers and unnecessary paperwork.

The Bankers’ Bank Investment Department uses Sungard, 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, with FNBB traders averaging 30 years in that capacity. 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.

New customers will receive (1) one year FREE Investment Safekeeping and Bond Accounting Service.

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The Bankers’ Bank has formed a partnership with Premier Banking Consultants(PBC), regionally known as a provider of consulting services for community banks. PBC specializes in Loan Review, Regulatory & Compliance Advisory, Internal Audit, and Information Technology Audit. Robert H. “Bob” Downs, President & Managing Director, has a strong regulatory and management consulting background.

LOAN REVIEWThe development of an effective loan review system results in the ability to identify potential credit weaknesses, improving management’s ability to assess the risk inherent in the loan portfolio. PBC can help implement a loan review system that improves the bank’s watch list, reduces the level of technical exceptions, and ultimately reduces loan losses.

COMPLIANCE By helping your bank build a program that meets the training, auditing, and reporting requirements handed down by the regulatory agencies, PBC can give your bank peace of mind AND the confidence that your program is as strong as it needs to be.

REGULATORY ADVISORYWith the regulatory experience to know what the regulators want, what they consider important, and how to most effectively deal with them during the examination process, PBC can identify problem areas and have them corrected before the examiners walk in the door. PBC’s credit analysis, management consulting, and regulatory relations experience includes working with smaller community banks and large holding companies. PBC’s expertise in working closely with clients, their attorneys, and regulatory agencies can assist your bank in achieving compliance with regulatory requirements while at the same time ensuring your bank’s best interests are served.

INTERNAL/IT AUDIT OUTSOURCINGEffective controls are critical in safeguarding the bank’s assets, especially customer information. By choosing PBC to perform your Internal Audit and IT Audit functions, you will get the necessary independence and expert knowledge while saving money and employee resources. In addition, customer information must be protected in a prudent manner, and PBC can test your program’s effectiveness using the most current industry standards and guidelines.

CONSULTING SERVICES

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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 Bankers’ Bank 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 efficiently. 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.• Offer all the popular mortgage products with competitive rates and fees.• Give your borrowers a better lending experience from application to closing.

Our Bankers’ Bank staff, combined with our lending partner’s staff, offer experience and capacity that are difficult 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.

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BBKY MORTGAGE

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Ascendant FX in partnership with The Bankers’ Bank 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 online customer communications 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 different International Currencies.

Ascendant FX developed its International online platform to accommodate the specific needs of Community 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 Officer.

eZforex was established in 1994, and provides a central marketplace to purchase foreign currency for over 100 countries.

SERVICES AVAILABLE

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

INTERNATIONAL SERVICES

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The Bankers’ Bank , in partnership with Elan Finanical Services, is pleased to offer 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 offers an efficient, 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.

CREDIT CARD SOLUTIONS

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.

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The Bankers’ Bank, in partnership with First Data, offers a secure and affordable way to provide your customers with a complete mobile banking solution. In response to advancements in smart phone technology and consumers’ continued growth in mobile adoption, financial institutions of all sizes and within all markets are including mobile banking as a key requirement in their growth strategies. The First Data mBanking solution allows financial institutions to establish a competitive presence, while extending the reach and convenience of their financial services.

Benefits: • Build loyalty with your existing client base; retain and attract profitable customers• Cost-effective solution for entering the highly desirable mobile market• Scalable design allows it to grow with you and the market• Experience ongoing savings with per-transaction costs that are lower than ATM, IVR, call center and in-branch service

MOBILE BANKING

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The Bankers’ Bank, in partnership with BankersEdge, has helped hundreds of banks prepare for regulatory change. BankersEdge offers a comprehensive catalog featuring over 300 engaging online courses that span a broad range of timely topics. The online courses always reflect the latest legislation, industry standards and best practices.

BankersEdge in partnership with The Bankers’ Bank offers community banks the industry’s leading online compliance-based training and technology courses available, along with discounted pricing.

Complete Compliance and Career-Based curriculums are available at www.bankersedge.com.

Regulatory Compliance• Deposit Compliance• Lending Compliance• Transaction Compliance

Interest Areas• Anti-Money Laundering• Bank Secrecy Act• Customer Information Security

Roles• Call Center Representatives• General Banking & Training• Management & Supervisors• Personal Banking• Professional Tellers

Financial Skills• Commercial Lending• Consumer Lending• Retail Banking• Retirement Management

Professional Skills• Customer Service• Diversity & Inclusion• Leadership Development• Sales

Get more out of your training budget with BankersEdge. Hosted and secure, the MARS Reporting System is an easy-to-use solution that enables your bank to track training and report results via one central point of administration.

MARS Features• Streamline Administrative processes• Eliminate Redundant Training• Track Results Automatically• Synchronize Enterprise Reporting & Administration• Share ROI Data with Stakeholders Easily• Benefit from Feature-Rich Reporting

BANKERSEDGE COMPLIANCE TRAINING

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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. In 1988, The Bankers’ Bank of Kentucky was chartered with 40 community bank shareholders. Today, we have more than 95 community bank shareholders; 49 of those are Standard Bearer Shareholders. 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: $3,750.00 Per Share

Shareholder Benefits• Annual Paid Dividend• Monthly Billing Discount• Participate in Loans Buy/Sell• Invitation to the Annual Shareholders Meeting & Golf Outing

Standard Bearer Shareholder ProgramNew Shareholders qualify with a purchase of 80 shares common stock

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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The Bankers’ Bank, in partnership with Paycor, offers a competitive and efficient payroll process. Their platform is designed to be exceedingly usable, while also being robust and feature-filled.

Benefits:• Paycor experts are there when you need them• Your client success team works with you to ensure everything is processed accurately — verifying check dates, ensuring taxable wages are calculated properly and checking for proper withholdings.• Proactive cash requirement reporting• Get a quick view of total payroll costs before it is run, ensuring you know the funds that will be deducted with each payrun.• General Ledger integration• Paycor can provide you with a customized GL file that itemizes journal entries and can be easily imported into your accounting system.

• Notifications help you avoid mistakes• Alerts catch anything out of the ordinary, such as pay-related changes or an employee without pay — helping you take care of problems before they occur.• Direct deposit• Enable employees to receive deposits more quickly than with paper checks. Plus our direct deposit service enables their payment to be automatically divided among different checking and savings accounts.

PAYROLL SERVICING

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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

RELOADABLE VISA® CARDS

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107 Progress Drive, Frankfort, Kentucky 40601800-248-3229 • www.bbky.com