Each year at this time we pay tribute to our hard-working farmers who grow and harvest plentiful food for our community and our nation. We'll be celebrating our farmers from November 13-22! The Grayson County Cattleman's Association will be hosting a luncheon on November 22 from 11:00 am- 1:00 pm at our Leitchfield Main Office. We welcome all of our farmers and their families to stop by one of our three Grayson County locations during Farmers Week for refreshments. We hope to see you there!

WMB’s Crestwood Loan Production Office held a Ribbon Cutting & Open House on Friday, December 16th! Several Oldham County Chamber of Commerce members were in attendance, as well as Mayor Jim Kramer, local business owners from within the Crestwood community, and WMB staff & board members. David Bizianes, Oldham County Chamber of Commerce President, delivered the proclamation speech in the absence of Judge-Executive David Voegele. In addition, Mayor Jim Kramer spoke to the Crestwood community’s growth and welcomed Wilson & Muir Bank to Oldham County. Thanks to the following guests who attended the ceremony: Peter & Magaly DelValle—publishers of Crestwood Neighbors & North Oldham Neighbors magazines Kara Sanders—Oldham County Chamber Director Kim Perry—owner of Kim Perry Studio Tony & Amy Odom—owners of Mobility Plus Crestwood Mary Broecker Jill Estep—Realtor w/ REMAX Champions Ann Hurst—Advertising Sales Rep at The Oldham Era Jane Pace—Publisher at The Oldham Era Dan Perkins, Rhonda, & Scott—Mason Construction & Development Following the ribbon cutting ceremony, attendees were served a delicious lunch spread catered by local eatery Red Pepper Deli.

A message from our Ag Banking team: It’s hard to believe that 2022 is nearly over. As with most things I feel like I have spent the entire year running behind and vow to make the next year run smoother. This year is another year to remember with so many extraordinary events and challenges worldwide. Hopefully, you have managed to navigate the choppy waters and made 2022 a successful year for your operation. After surviving Winter Storm Elliot several questions came to mind; When did we start naming winter storms? Do I ever remember it being that cold while feeding cows? How do my friends up north live with that environment year in and year out? One thing is for sure, farmers were working overtime to ensure their livestock were taken care of by any means necessary. It’s important that we share that message with those folks that are far removed from farm life. The end of the year is a busy time at the bank, trying to wrap up loans and planning for the upcoming year. Be sure to include WMB in your plans for 2023. We have made great strides in building loans/rates/plans to help our farmers and we would like to help you too. Sincerely, Andy Bishop, Loan Officer, Wilson Muir Bank 502-350-7609 NMLS 2143920 5 reasons WMB should be your farm resource 1. Local matters. At Wilson & Muir Bank (WMB) you deal with people you know who take time to know your operation and that means a lot when you’re farming. Farming can be unpredictable, requiring flexibility and adjustments. 2. Commitment matters. For more than 155 years, WMB has been serving communities and agriculture. During those decades we have expanded our markets, but we have never left a market we chose to serve. 3. Decisions matter. When you apply for credit at WMB, your loan request is going to be treated with high priority. Compare that to institutions where decisions go up a chain of command to people you’ve never heard of or met. At WMB, you have our attention. 4. Safety matters. Financing needs for a farm can be significant and may be the largest financial obligation and risk that you ever assume. Doesn’t it make sense to have a bank that is safe, strong, and capable of weathering whatever economic storms may come? 5. Personal matters. Everyday business gets less personal and friendly. Check out your own groceries, punch numbers to get automated responses, or speak to a call center operator somewhere across the world. WMB has no call centers. Our staff answers the phone. Our ag lending officers are ready to come to your farm, or make loans happen when you are busy and can’t get to the bank. Personal, professional, and friendly. That’s who we are, and who we aim to be for the next 155 years.

Each year at this time we pay tribute to our hard-working farmers who grow and harvest plentiful food for our community and our nation. We'll be celebrating our farmers from November 14-23! The Grayson County Cattleman's Association and our local FFA will be serving burgers on November 23 from 11:00 am- 1:00 pm at our Leitchfield Main Office. We welcome all of our farmers and their families to stop by one of our three Grayson County locations during Farmers Week for refreshments. We will have prize drawings at each branch on November 23! We hope to see you there!

Attention Hardin and Grayson County Clients: (4/21) Update: At maximum, the total closure time for the drive-thru will be 2-4 weeks depending on weather and unforeseen problems. Parking directly across the street from the bank and beside the bank will be open at all times. As you may know, the City of Vine Grove has begun significant repairs to the city’s drainage channel lines. The work is expected to run between April 15, 2022 and November 2022. During this time, Main Street will be barricaded between just after Church Street and just before the railroad tracks. **Our Vine Grove Office will remain open during the construction. However, access to our drive thru and ATM by car will not be possible.** City parking lots in front of the branch at Church and Main streets and behind the branch at Crutcher and North Mill streets will be open for walk up access. If you choose to use an ATM at another bank during this time, we will refund the fee charged by the other bank. A credit will be posted on your bank statement showing the refund of the foreign ATM charge. We are truly sorry for any inconvenience this may cause. Here is a link to a recent article in the News Enterprise about the project. We look forward to serving you in our lobby over the next few months. Please reach out to us if this presents a challenge for you by calling our Vine Grove Office at 270-877-2116. We invite you to visit our Elizabethtown Office at 250 West Dixie, Elizabethtown or our Big Clifty Office at 9790 Elizabethtown Road, Big Clifty. For a complete list of our branches and ATM’s click here . Now is a great time to let us help you get signed up for WMB’s Online and Mobile Banking so you can do your banking from anywhere, anytime. We are so grateful to be your bank and look forward to seeing you soon!

Each year at this time we pay tribute to our hard working farmers who grow and harvest plentiful food for our community and our nation. Please join Wilson & Muir Bank as we salute the American farmer, November 15-24th. Our Grayson County offices will have drawings for prizes and refreshments. And on Wednesday, November 24, the Cattleman’s Association will serve burgers at our Leitchfield Main Office 11:00am-1:00pm. We hope you will join us!

We have been getting several calls at WMB from our clients who are getting more and more fraudulent phone calls. Take a look at our cyber security trips and share them with your loved ones. Remember, Wilson & Muir Bank will never call or send you an email asking you for your social security number or account information. If you get on of these calls, hang up immediately. Don’t hesitate to reach out to us if you have any questions at all about cyber security. We’re here to help!

On December 18th, Wilson & Muir Bank turns 155 years old. Much has changed since we opened our doors in 1865, and certainly 2020 has been no exception. The challenges we have all faced this year have made us pause and reflect on the relationships that are so important to our personal and financial well-being. We have never been more grateful for your continued confidence in us/ and the trust you have shown continues to inspire us. Our focus has long been on building strong relationships and contributing to the well-being of the communities we serve. These core values are as important today as any time in our history. So, while it’s our anniversary, it’s you who we are celebrating. Thank you for being such an important part of our legacy. Click here to watch our 155th anniversary video!

Please join us November 16-25 as we salute the American farmer! Each year at this time we look forward to paying tribute to our hardworking farmers who grow and harvest plentiful food for our community and our nation. Please join Wilson and Muir Bank as we salute the American farmer November 16th through the 25th. Due to COVID 19 restrictions we will not be able to host our annual Cattlemen’s Association luncheon, but we invite you to visit our Grayson County branches during these days for drawings and prizes. This year, each Grayson Co. WMB branch will hold a drawing for one $100 WMB gift card and one $50 WMB gift card. To enter our drawing, simply stop by any Grayson Co. WMB branch and add your name to the drawing! We will announce the winners on Wednesday, November 25. The winners do not have to be present to win. Additionally, we are proud to support The Cattleman’s Association and the Future Farmers Association each with a $250 donation.

With National Cybersecurity Awareness Month coming to an end this week, we thought we would share our own cybersecurity story. Teresa and Tami helped foil a scam targeting an elderly couple. The elderly couple received a phone call from someone claiming to be their daughter stating she was in jail on a DUI arrest and needed $10,000 to make her bail. Theresa and Tami asked the right questions and followed their intuition to realize this was indeed a scam. They contacted the daughter and then convinced her parents it was a ploy to get money from them. Theresa also called our Sheriff who came to the bank to visit with the couple to put their mind at ease. The Sheriff reported the story to the local news in hopes it will serve as public service announcement. Although the article doesn't name anyone specifically it does give credit to WMB for thwarting the scam. Click here to read the story.

Bardstown is just one of the beautiful communities we are proud to serve. You will also experience our home town passion throughout Nelson, Grayson, Hardin and Jefferson Counties. Take a look at how Wilson & Muir continues to build stronger communities since 1865. Thanks for being part of our story. Click here to watch the video.

June 15 is National World Elder Abuse Awareness Day. The American Bankers Association reports that 1 in 5 Americans have been a victim of financial fraud. Unfortunately, we see it all the time. Please take the time to click here to familiarize yourselves with the tips and red flags to help you protect your assets. And please, share the conversation with your loved ones, young and old. We’re here to help, please call us if you have any questions.

We are happy to announce that our lobbies will be open beginning May 26. This date coincides with the relaxation of most business restrictions. We are committed to showing solidarity with our retail and other small business clients and support their re-opening. It is even more important that we take the necessary steps to provide a safe and secure environment for you and our staff under the current conditions. Our lobby protocol procedures are based on the guidance from the CDC, the Federal Government and the Kentucky Governor’s Healthy at Work guidelines. For the safety of our clients and staff we will wear cloth masks while providing banking services and in the open areas of the lobbies. For these same reasons, we are respectfully requesting that you also wear a mask if your health permits. Disposable cloth masks will be available if needed. Sanitizing stations will also be conveniently located in our lobbies. You will also notice some physical changes in our lobbies to promote safe social distancing practices including signage and germ shields. We will continue our practice of routine and constant cleaning of all surfaces and high touch areas. Our Loan Officers and Customer Service Representatives will continue to work primarily by appointment, so as to coordinate lobby traffic and to maximize social distancing guidance. We also encourage you to utilize all of the available Wilson & Muir Bank resources for self-service banking and 24/7 account access through our Mobile Banking, Online and Telebank Line. Being designated as an essential business we have been operating at full capacity throughout this health and economic crisis. I am extremely proud of the dedicated efforts of all the Wilson & Muir staff, who have been working very hard to make sure your financial needs are being met. It has been an extremely busy time with new challenges arising almost daily. In particular, our lending team has put in countless hours learning the Paycheck Protection Program and counseling hundreds of small business clients on how to obtain much needed emergency funding. While there are still a multitude of challenges ahead we need to work together to restore our economy. This next phase toward that end is a very critical step in a long process. This is our responsibility as an essential business. It is also our responsibility to conduct our business in as safe a manner as possible. We appreciate your patience, understanding and cooperation. Your friends and neighbors in the business community need your support like never before. So please shop local and shop frequently. We look forward to seeing you soon, from a distance of course. Click here to view our full COVID-19 Resource Page. Take care and stay well, Frank Wilson President & CEO

We are proud of the communities we serve! Local businesses in Vine Grove came together to create a beautiful and uplifting video! As you're watching, be on the lookout for Vine Grove Manager, Darin Logsdon, and Kris King! Click here to watch the video. #WeAreTeamVG

To Our Valued Clients, We are pleased to share with you news that will bring financial relief to many small businesses and individuals that have been impacted by the coronavirus pandemic. Last week Congress passed the Coronavirus Aid, Relief and Economic Security Act (CARES) to provide an economic stimulus package that includes expanding the loan products offered by the Small Business Administration (SBA). Wilson & Muir Bank will be working with the SBA to provide our business clients with access to the two new programs, the Payroll Protection Program (PPP) and the Economic Injury Disaster Loans (EIDL). If you would like more information contact your Loan Officer, or call our toll-free number at 1.800.466.5996 to discuss which program will best serve your business needs. You can also get detailed information through the SBA by visiting www.sba.gov. If you have a consumer or commercial loan with us now and are financially impacted by the coronavirus pandemic, contact your loan officer to discuss ways we can provide assistance to you, including payment modifications and deferrals, depending on your particular needs. We recognize these are very challenging times and we stand ready to assist you in any way we can. Click here to find a WMB officer near you. We are all in this together and together we will get through this. Well Wishes, Frank Wilson President & CEO

This month Wilson & Muir Bank President and CEO, Frank B. Wilson, reflects on the bank's hours of service initiative in December... The commemoration of WMB’s 154th anniversary this year was marked by our efforts to give back to our communities during the month of December. The idea was to show our appreciation to our clients and the communities that have supported us and trusted us with their financial needs dating back to 1865. A big part of our motivation was to truly say thanks. The list of the generous acts of kindness so many of our employees displayed was amazing! We far surpassed the goal of 154 hours of giving! We more than doubled our goal with nearly 400 hours of service! More important than the time was the display of compassion and kindness shown towards our neighbors and those less fortunate. The types of activities ran the gamut of generosity, from taking out the elderly neighbor’s trash to working for hours serving food at the homeless shelter. The impression made on the neighbor was likely just as impactful as the warm meal served. It is not about the biggest, the most, or the best, or the amount of money donated; it is just about doing, or better stated, about giving. Ryan Bratcher, Vice President & Branch Manager in Leitchfield, said it best when he said, "The personnel at this branch are honestly the most faithful and generous people I have ever met in my life. Words cannot express how big their hearts are. I've witnessed their works myself and promise their reach goes far and wide. With that said, they are also the most humble people I know. We are truly blessed to have them in our lives and especially to have them as employees and good stewards of WMB. Most of them will not provide a list or assign a time to these acts because they insist on not getting any praise for their work. I encouraged them to share but they say these works are not done for any type of notoriety." These initiatives speak about who we are as community bankers. We all recognize we can only be as successful as those in our communities. Having vibrant civic-minded groups led by like-minded people are important factors to the quality of life metrics. That is why it is important that we foster civic involvement with all the WMB associates. This helps put a face on WMB. We just measured a few weeks of volunteer activities, but we know our employees are out there lending a helping hand all year long. Because, together we build communities.