AS THE LARGEST KENTUCKY-BASED BANK HOLDING COMPANY ...we respectfully acknowledge and highly value the enormous amount of confidence that is placed in our Company – by all of those whose lives we touch, directly or indirectly: our shareholders, customers, employees and the many communities we serve. Our Board of Directors, officers and staff are ever mindful of the powerful implications the words community and trust have – separately and together – for we are building communities, built on trust, day by day, year by year

Our operating philosophy effectively and seamlessly combines the best practices of both customer service-focused “community banking,” and the product diversity and transaction size capabilities of multistate “mega” banks. We support our offices with the weight of our experience and financial resources, yet we emphasize and promote decentralized local decision making. Simultaneously, we support our community offices with highly sophisticated delivery channels such as internet banking, 24-hour voice response telephone banking services, and the amazingly popular debit cards, in addition to specialized lending products such as USDA and SBA guaranteed loans. Plus, because we are one bank and one trust Company (Community Trust Bank, Inc. and Community Trust and Investment Company) – we are able to offer a unique blending of traditional and innovative products, including cash management, full brokerage services and check imaging statements.

Cumulatively – we are literally able to offer “the best of all worlds” to both our commercial and retail customers, as we work with them to establish and solidify flexible, mutually satisfying and beneficial long-term relationships.