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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.

Correspondent Banking, Personalized Service

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OurHeritage

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Jeff Rogers

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MISSIONSTATEMENT

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.

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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 brings its customers the power of Sungard Ambit ALM4, a leading provider of planned software for commercial banks. Using the same software as mega banks, we give you the detailed analysis you need to effectively manage your bank for greater profitability and compliance.

Our system is all-encompassing for ALM reporting, budgeting, and planning with unlimited interest rate scenarios and other what-if analysis. Because we maintain the software, we eliminate the need for your staff to spend time training and running the program.

All reports are in Excel and PDF files for easy formatting or merging with your other reports. Optional reports are available with graphs or text explanations whenever you want them.

Asset/LiabilityService

Jeff Rogers

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Financial institutions can realize substantial savings by utilizing The Bankers’ Bank’s Cash Management Service in conjunction with the Federal Reserve Banks image Cash Letter Processing.

Our Cash Management Service is an automated process that moves excess funds in $1,000 increments from customers’ DDA account into our Agent Federal Funds program. A Correspondent Concentration Risk Report is generated automatically for each BBKY customer on a daily basis and available via the QNET online communications website. CLEARING CUSTOMERS RECEIVE:• Dedicated account representative • Federal Funds swept automatically to the nearest $1,000• Interest on Federal Funds credited to your DDA daily • Elimination of overdraft and NSF fees• Federal Fund line of credit subject to underwriting• Online access to daily bank statements • Online access to cash management position reports

QNET CONNECTION QNET powered by Profitstars is our Internet-based connection system, offering community banks a secure method to gain access to their accounts with BBKY, as well as meet all electronic Federal Reserve Bank requirements. Benefits of QNET • In Depth Training • Secure digital certificate environment • User Profiles set up by BBKY • Daily access to your bank statement activity• Cash management reports available throughout the day

MESSAGES AVAILABLE• ACH file delivery (In-House Banks) • ACH returns/NOCs • ACH origination • ACH daily debit/credit advice from Fed • Cash & coin ordering• Internal transfers to other BBKY customer banks • Large dollar notifications in & out• Wire transfers in & out • Wire confirmations for wires sent • Automatic OFAC scanning • Daily Correspondent Concentration Risk Report• Daily Bank Statements • International Wire Transfers (Dodd Frank Compliant)

• And much more!5

Clearing & Cash Management Service

Operations

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CreditServices

Jeff Rogers

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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The Bankers’ Bank in partnership with First Data, a global payment solution company headquartered in Atlanta, Georgia, offers a state-of-the-art online banking platform for community banks. First Data has designed its Online Banking solution to meet the changing ways customers manage their money. Now you can offer the latest online technology to increase customer satisfaction and loyalty. The online banking experience has changed how commercial and retail customers judge and value their financial institution. First Data enables financial institutions to offer a robust online business banking solution critical to their success.

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OnlineBanking

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INVESTMENTSERVICES

The Bankers’ Bank partners with the First National Bankers Bank (FNBB), the nation’s oldest 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. The Bankers’ Bank Investment Department will transition to the TPG Genius Safekeeping and Portfolio Appraisal Software System in January, 2018.

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 20 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.

Consultingservices

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Jeff Rogers

As the world of mortgage lending grows more complex, Community Banks need a way to stay current and provide customers with options that fit their diverse needs. However, the costs associated with hiring, training, educating and maintaining in-house loan processors is challenging and expensive.

The Bankers’ Bank’s Loan Processing team offers an economical and personalized solution to the loan processing issues facing Community Banks today. Bankers Bank Mortgage provides access to the secondary market and its loan options for your valued customers.

• Generate fee income for your bank• Strengthen and grow your customer relationships• Offer competitive rates and products backed by secondary market investors• Give your customers a better lending experience from application to closing

Our processors specialize in Conventional, FHA, VA, and Rural Housing programs; working closely with the investor to make sure your loans adhere to all mandatory federal rules and regulations. Bankers’ Bank Mortgage allows you to tailor your level of involvement to meet the needs of your staff, institution and community. We collaborate closely with your loan officers from pre-approval to issuing disclosures; then guide your loan through the underwriting and approval process. We coordinate with all parties involved to make sure that your closing is smooth and streamlined.

Bankers’ Bank Mortgage

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The Bankers’ Bank, in partnership with Cambridge Mercantile Group (specialists in global payments and foreign exchange) and eZforex, provide international products and services with competitive exchange rates and unequalled customer service.

Cambridge Mercantile Group is a participant in the SWIFT interbank network, with over 7,400 financial institutions in more than 200 countries. For over a decade, Cambridge Mercantile has been earning the trust and respect of North America’s leading companies in industries ranging from manufacturing, mining, pharmaceuticals and textiles to service sector companies involved in education, finance, travel and tourism. With offices strategically located in North America and Europe, Cambridge Mercantile facilitates the secure and prompt movement of more than $10 billion annually for thousands of customers.

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

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INTERNATIONALSERVICES

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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.

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Credit cardsolutions

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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Jeff Rogers

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

MOBILEBANKING

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Operations text here

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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

BankersEdgeCompliance

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 99 community bank shareholders; 43 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

Benefits• Annual Paid Dividend• Monthly 5% Billing Discount• Participate in Loans Buy/Sell• 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• 18 Months Free Safekeeping & Bond Accounting-New Customer• 5% Percent Ongoing Discount on Investment Services • Annual Standard Bearer Event Hosted by The Bankers’ Bank of Kentucky• 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

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Jeff RogersSTOCK 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.

Payrollservicing

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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

RELOADABLEVISA® CARDS

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ATMMANAGED SERVICES

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• First-Line and Second-Line Maintenance

• ATM Replenishment

• Image File Processing and Image File Delivery

• Deposit Collection and Delivery

• Currency Management

• ATM and Networking Monitoring

• Full Service Adjustment Processing and

Reg E Research

• Electronic Product Delivery

• Disaster Recovery

• Terminal Driving

• Surcharging Options

• Authorization Processing

• Anti-Skimming Monitoring

• Dynamic Currency Conversion

• ADA and PCI Compliance Management

The Bankers’ Bank recommends ATM processing solutions through Elan™ Financial Services that provide benefits which are unmatched in the industry.

In recent years, ATMs have risen to the fore as a critical self-service channel for consumers, often replacing bank branches as the primary resource for handling financial transactions of all kinds, from deposits and funds transfer to cash management and more. As a result, your financial institution needs to be even more vigilant about staying current, competitive and compliant.

Elan ATM Managed Services can handle all of that for you. Our flexible solutions offer advanced functionality that furthers revenue opportunity, prepares you for the next wave of technology, ensures your ability to meet compliance deadlines, and helps attract and retain cardholders. You’ll also have all the support you need to stay ahead of the curve and maintain a successful ATM program — and all from a single source.

Moreover, unlike many service providers, you choose the level of solutions and services you need from Elan. You can outsource the entire ownership, management and operation of your ATM program to us, or select the individual services you’d like us to manage for you. Offerings include:

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The Bankers’ Bank highly recommends ATM and debit card solutions through Elan Financial Services. Elan offers full program support, including card management, marketing programs, single-point settlement and reporting.

Products Include: • Debit Processing• Marketing Solutions• Complementary Card Products• Reporting• Visa® Account Updater• Mastercard® Automatic Billing Updater• Cardholder Rewards• Settlement & Adjustments• Mobile card alerts and controls• Complete Fraud Solutions

An integrated card management solution: Elan offers a comprehensive, web-based interface that streamlines debit and ATM card management designed to save time and improve your ability to manage ATM and debit cards.

Through a simple one-click sign on, and single-click action buttons, navigation is easy. You can access all your card management needs quickly, from setting personalized card details to card values and limits to much, much more.

By integrating in-branch instant issuance through eCardManager, your financial institution makes it easier to deliver value to your cardholders with a secure and cost effective approach to in-branch card issuance. Your cardholders walk away with a personalized payment card to use immediately.

Benefits of Instant Issuance to your financial institution can include: • Expedite card replacement• Increase activation and utilization• Increase profitability• Increase customer satisfaction• Reduce expense• Provide a competitive advantage

Integrate account management with your core processing system through Elan’s direct maintenance service: Elan offers a tightly integrated interface to core processing systems through a preferred partner relationship. Real-time adds, changes and deletes to your core systems are updated to the Elan EFT cardholder, fraud systems, hot carding and PIN files via this interface, eliminating the need for you to key data into two separate systems.

Update card information for your cardholders’ recurring payments with Automatic Billing Updates.

Elan provides both Visa and Mastercard® Automatic Biller Updater solutions which are secure, systemic solution that automates the process of keeping card data current for recurring payments. It helps prevent service disruptions and lost sales opportunities due to account changes such as expiration dates or new card numbers as the result of a reissue.

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ATM DEBIT CARDPROCESSING

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The Bankers’ Bank is pleased to offer financial institutions the ability to join the MoneyPass® Surcharge-free ATM Network through Elan Financial Services.

There’s a reason more than 80 million cardholders and 1,700 companies rely on MoneyPass. It gives cardholders what they want — easy access to 30,000 surcharge-free ATMs nationwide and extensive card acceptance at millions of POS merchants worldwide.

You can benefit too by offering more than your competitors. MoneyPass can help you attract new accounts, build loyalty, and do more business without the high cost of deploying additional ATMs. Start-up costs are low and fees are affordable. And because MoneyPass POS delivers top interchange rates, you can boost your bottom line.

A nationwide network of surcharge-free ATMs Your cardholders will never pay surcharge fees for cash withdrawals at any MoneyPass ATM. Plus, if you participate in Shared Deposits, they’ll also enjoy surcharge-free deposits. You can gain a competitive edge and the potential for additional revenue through deposits.

Offer the world with POS Cardholders will appreciate the extensive PIN POS coverage that MoneyPass provides, ensuring card acceptance at millions of merchants worldwide. You’ll appreciate how MoneyPass can make complying with recent PIN POS regulations easier.

Exceptional support Promoting your participation in the MoneyPass Network is a great way to increase cardholder loyalty and gain new accounts. To help you do this, MoneyPass provides free access to digital and print-on-demand marketing tools. And if you require help or have questions, experienced MoneyPass representatives are there when you need them.

MONEYPASS®SURCHARGE FREE

ATM NETWORK

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