Easy Switch Kit Changing Banks Is Now As Easy As 1, 2, 3.

We’re pleased you’ve decided to take a new financial path in life with the great personalized service and expert advice offered at Central Bank. We pledge you’ll receive prompt, personal service to assist your move to our nearest Banking Center.

Changing banks can be a big decision and a real challenge. That’s why your Central Bankers have designed the Easy Switch Kit to guide you step by step through the move. This Kit includes simple instructions and directions to our Web site for all of the forms that will make it easy for you to “unmerge” with your cur- rent bank

Just follow these easy steps and allow us to show you the way! STEP 1: * Automated payments for insurance, Open Your New Account utilities and other transactions you at Central Bank have authorized are easy to remem- ber with our convenient Payments Organize your personal information, Checklist on page 4. open your Central account, and unmerge from your old bank. We’ll * If you are using Online Bill help you Payment, don’t forget to print a list step by step. A Personal Banker in of your current Payees (and your any Payment History). CentralNET online Banking Center can advise you on banking can handle all of your recur- the accounts and services to fit your ring and one-time online bill payment needs and lifestyle. Or, click on our needs. Web site to view our personal product * All of the forms referenced in this and service options and locations at Easy Switch Kit are available on our www.centralbank.com. Web site at www.centralbank.com/ personal/switchkit.aspx. STEP 2: Transfer Direct Deposits & For personal assistance by phone, Automatic Payments call 859-253-6222, 800-637-6884 This is one of the most important or your nearest banking center. aspects of making a smooth switch. It’s a good idea to have a few recent STEP 3: bank statements available to review the automated Close Your Old Account transactions you need to move. Our Confirm that all outstanding checks Web site, centralbank.com, has new have cleared and any transfers of account notification forms for you to direct deposits and automatic pay- notify your employer, other direct ments have been made. Then autho- depositors and any vendors you have rize your old bank to close your authorized to charge your account. account. That’s all there is to it! For each step, we’ve provided tips * Direct deposits from your employer, and guidelines to make your Easy retirement plan, or other sources Switch of income such as Social Security a smooth and carefree process. need to be transferred to your new account.

1 Easy Switch Kit Guidelines

STEP 1: Remember: Don’t forget to leave Open Your New Account enough funds in your old account to cover any outstanding checks or Now that you’ve made the decision automatic payments. Our next steps to move, you’ll want to gather will help you switch any automated information you’ll need to open your payments and direct deposits to your new Central Account. Just follow new account. the steps below to make the Easy Switch, or visit our Web site at www. centralbank.com/personal/switchkit. STEP 2: aspx. Transfer Direct Deposits &

Organize information you will need Automatic Payments Gather your account information and Direct Deposits: enter it on the Easy Switch Kit Account Transfer direct deposits from your Information Worksheet – Form A employer, retirement plan, interest designed specifically for this purpose. payments or other source of income, such as Social Security. Open your Central Bank Accounts Once you’ve gathered together the We’ve provided some forms to assist information for your accounts, any of with moving your direct deposits our Personal Bankers will be happy received from various sources: to assist you with your new account * Payroll Direct Deposit – Check with opening. To find the nearest Banking your employer to be certain no Center to your home or work, visit additional information or specific our Web site at www.centralbank.com. form is necessary to complete the You can begin using your New account change for your payroll Central Bank Account immediately direct deposit. (If you currently Once your new account is funded, don’t have direct deposit through you can begin using your account your employer, please contact immediately. your company’s Human Resources Department to see if this benefit is Your first order of personal standard offered to employees.) checks is FREE (50% off other check * Form SF1199A, U.S. Government styles). Your check order and Central Direct Deposit (available online or at Check Card will be sent to you in any Banking Center) – Use this form to about a week. redirect your Social Security, military pay, VA compensation/pension, Enroll online for Internet banking railroad retirement, etc. to your new You can enroll online for CentralNET account. access at www.centralbank.com as soon You can also use this form to set up one as your new account is open. To add of these government agency payments Bill Payment, simply click on the Bill for the first time. Pay link once you are enrolled in your CentralNET access. 2 * Direct Deposit Authorization Form checking, savings, debit or credit card from Other Sources – Use this form to your new Central Bank account. for other direct deposits you receive Use the Automated Payments Checklist including investments, pension/ to the right to make a quick list of the retirement plans, interest or payments you have authorized. This dividend payments, etc. is a good time to review your last few monthly bank statements to complete Here’s a quick checklist of some your list of authorized automatic common direct deposit sources to help payments. Take into consideration any you remember to inform the sender annual payments that you may have about your new account. set up as a deduction, as well.

Checklist for Direct Deposits There may be several ways to notify Private Sector Payments: your Payees that you have a new q Payroll Direct Deposit account. q Retirement/Pension Plan * Most of your Payees have a form q Interest Income included with the monthly statement q Dividends for you to enter your new account information. q Other ______q Other ______* Many Payees provide a customer q Other ______service number and allow you q Other ______to provide your new account q Other ______information by telephone. q Other ______* Many local utilities and vendors Government Payments: have Web sites available for you q Social Security to enter your new bank account q Federal Salary/Military Civilian Pay information. q VA Compensation or Pension * In case you need it, we’ve provided q Supplemental Security Income a form that you can send to your q Railroad Retirement Payees to notify them that you q Civil Service Retirement have changed banks, the Automatic q Military Active Payment Authorization Form. q Military Retirement q Military Survivor Note: A list of the most common Payees in our area, along with their q Other ______Web site addresses and customer service phone numbers, is provided Automatic Payments: online at www.centralbank.com. You’ll need to switch automatic payments set up to charge your

3 Checklist for Automated Payments Kit we’ve provided the Online q Electric Company banking Bill Payments Worksheet, q Gas Company as a tool to assist you with setting up your Bill Payment Payees and q Water Company recurring payments. q Telephone q Cellular Phone Important: Before you cancel your q Cable Service online bill payment service with your q Mortgage or Rent Payment old bank, be sure to: q Car Loan or Lease 1. Print a list of your Payees including q Credit Card ______addresses and account numbers, q Credit Card ______if available. q Other Loans ______q Dept. Store Card ______2. Print your Bill Payment History q Home/Rental Insurance so you have a record of all payments q Automobile Insurance you have made. q Life/Health Insurance q Auto Club (AAA) STEP 3: q Health Club Close Your Old Account q Charitable Donations Your Central Bank Account is ready q Other ______to go, so it’s time to UNMERGE.... q Other ______q Other ______* Confirm that all outstanding checks have cleared on your old account. Online Bill Payments: The Reconciliation Worksheet on As soon as your new account is open, page 21 will assist you with you can enroll online for CentralNET identifying all activity you still expect access at www.centralbank.com. to clear your old account. When you enroll, you create your own User ID and set your password. * Verify that your direct deposits have been redirected to your new To add CentralNET Bill Payment, just account. complete the CentralNET Additional Services Request Form – provided on * Check with any Payees who have the Web site. not redirected your automatic payments. You’ll need a few moments to set up your Payees and recurring payments * Use the Account Closure Form online using CentralNET. On our (on page 6) to notify your old bank Web site version of the Easy Switch that you are closing your account.

4 Banking Center Locations

Central Bank & Trust Co. Free-Standing ATM Locations SAT SOUTHLAND SAT BEREA CENTRAL BAPTIST HOSPITAL (859) 253-6053 (859) 986-0357 1740 S. Limestone, Lexington 101 Brenwood Street 256 Southland Drive SAINT JOSEPH HOSPITAL SAT TATES CREEK CENTRE NORTHERN KENTUCKY One Saint Joseph Drive, Lexington (859) 647-0222 (859) 253-6387 4090 Tates Creek Centre Dr. 7310 Turfway Road, WATTERSON TOWER* Suite 100 1930 Bishop Lane, Louisville SAT 2850 Turkeyfoot Rd. TATES CREEK ROAD (859) 253-6113 SAT 2075 Dixie Highway RJ CORMAN AMBULATORY 3270 Tates Creek Road CENTER. * LEXINGTON MAIN OFFICE 1250 Keene Rd., Nicholasville (859) 253-6222 VERSAILLES ROAD 300 West Vine (859) 253-6093 2347 Versailles Road UK COMMONWEALTH (ATM available in lobby STADIUM* and drive-thru) WINCHESTER SAT ANDOVER (859) 744-3972 UK HOSPITAL* (859) 253-6127 43 N. Maple Street Pavillion A 3101 Maple Leaf Drive SAT 1110 Pioneer Drive 1000 S. Limestone, Lexington

EASTLAND *Cash machine only (859) 253-6063 SAT NICHOLASVILLE 649 E New Circle Road (859) 885-2282 301 N. Main Street Banking Center Hours NICHOLASVILLE ROAD 859-881-6950 Central Bank lobbies are open (859) 253-6073 SAT 1471 Keene Road Monday through Thursday from 100 E. Reynolds Road 9:00 a.m. to 4:00 p.m., and Friday GEORGETOWN from 9:00 a.m. to 6:00 p.m. SAT NORTH PARK (502) 570-2265 (859) 253-6104 100 West Main Street Our drive-thrus are open 8:00 515 New Circle Road, NW SAT 410 Connector Road a.m. to 6:00 p.m. Monday through SAT PALOMAR CENTRE Friday. (859) 253-6177 Central Bank of 3705 Harrodsburg Road Jefferson County SAT Saturday hours are 9:00 a.m. to 1:00 p.m., as indicated. RICHMOND LOUISVILLE (859) 625-6500 (502) 499-5600 • Hours may vary by location. 350 West Main Street 9300 Shelbyville Road, Please call your Central Banker for SAT RICHMOND ROAD Suite 100 details. (859) 253-6083 SAT 4630 Taylorsville Road 2233 Richmond Road 321 West Main Street Client Services For account information or for problem resolution, call (859) 253-6359 or (800) 637-6884. WHOM TO CALL FOR MORE INFORMATION

Visa Credit Cards® Central Bank Insurance Note: Products and hours may For Visa® account inquiries or to (859) 253-6283 vary by location. For the latest report a lost or stolen Visa®, call information on locations, hours (859) 253-6222 Central Investment Center and phone numbers, go to (859) 253-6435 www.centralbank.com The Central Card To report a lost or stolen Wealth Management card, call (859) 253-6222 (859) 253-6253 Web Site ATM Card www.centralbank.com To report a lost or stolen card, call (859) 253-6222 Private Banking (859) 253-6330 Central Bank & Trust Co. and Central Bank of Jefferson County are subsidiaries of Central Bancshares, Inc. www.centralbank.com 859-253-6222 800-637-6884 Member FDIC 1/11