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

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

Wilson & Muir Bank & Trust is pleased to announce that Ron Layman has joined the bank as a Mortgage Loan Officer at the Main Office in Leitchfield, Ky. “We are thrilled to have Ron join our team in Grayson County”, said Frank B. Wilson, President and CEO of Wilson & Muir Bank and Trust. “Ron brings with him 18 years of mortgage banking experience, and his knowledge, skills and enthusiasm will serve our team and the Grayson County community very well.” Ron’s extensive banking experience and deep local roots will be a tremendous asset to Wilson and Muir and the Grayson County Community”, said Wilson. “I’ve been most impressed with his enthusiasm for his profession and the commitment he has to his community.” Ron is a native of Grayson County. He is a 1996 graduate of Grayson County High School and went on to get a bachelor’s degree in business administration at the University of Kentucky. While at UK, he lettered 4 years in golf and, in 2016, was inducted in GCHS’s Athletic Hall of Fame. Ron is an active member of the Grayson County Chamber and is a 2018 graduate of Leadership Grayson County. He also volunteers with the Grayson County Alliance and his church. He lives in Clarkson with his wife, Angela. “Ron comes to WMB with a very strong work ethic and a dedication to provide great customer service”, said Ryan Bratcher, VP and Manager of Wilson and Muir’s Leitchfield Office. “He’s very personable and being born and raised in Grayson Co. gives him that local touch that makes small town banking so great. I am very pleased he has joined the WMB family and encourage everyone to stop by our office to meet him”, Bratcher adds. “Mortgage lending can be a very complex process, which is why I feel it is important to personally meet with my clients to ensure they know exactly what to expect during the application and loan process”, said Layman. “We will sit down and go over everything you need to know and get all the appropriate information exchanged so that you can have a smooth buying or refinancing experience. At Wilson & Muir Bank, we offer Conventional, FHA, VA, and RHS mortgage financing. Our rates are among the most competitive you will find anywhere”, he added. Founded in Bardstown in 1865, Wilson & Muir is a full service bank with $533 million in assets and 11 locations in Nelson, Grayson, Hardin and Jefferson counties. For more information visit wilsonmuirbank.com.

Wilson & Muir Bank has been a staple in communities across Kentucky since 1865. We’ve provided both our consumer and commercial customers the tools they need to succeed, helping to stimulate local economies. We’ve helped families accomplish their home dreams and delivered financial success to both our commercial and residential mortgage customers. We consider all of these major victories and according The American Banking Association (ABA) President and CEO the national economy is following suit across the country. ABA’s President and CEO, Rob Nichols, shared in a recent interview how the banking industry has powered all aspects of economic growth in the U.S. “There’s been about $2 trillion in capital raised [in the last 5 years], there’s been about $2 trillion of loans extended,” Nichols said. “That’s a demonstration of the health of the industry and the whole economy.” He added that bankers “have a positive message… about the role the U.S. banking sector is playing in terms of job creation, prosperity and economic growth.” He continued by saying people are also “as happy with their banks as they ever have been” This one really hits home with us at Wilson & Muir Bank, because we like to think of ourselves as more than just a bank to all of our clients. We want to be your trusted financial partner, a partner you can depend on through the thick and thin. A partner who allows your to rest easy knowing we have nothing but your best interest at heart. To read more about the banking industry’s positive impact on communities all across America, click here. To learn more about how we can help you, give us a call or visit us at any of our locations.

WMB got its start in a rural community. Rural and farming communities are part of our history. In fact, it’s part of many community bank’s history. Community banks have always had a strong presence in rural markets, even throughout the last two decades when consolidation means that bank headquarters have closed in many of these rural markets, Federal Reserve Vice Chairman for Supervision Randal Quarles said at a recent industry event in St. Louis. Rural markets have averaged around four community banks (those with under $10 billion in assets) consistently since 1997. In these markets, the average number of larger banks grew from one to 1.4 during this period. Urban markets have seen more consolidation and a shift to larger banks. The average urban area had 18 community banks and 8 large banks in 2017, compared with 21 community banks and 6 large banks in 1997. At WMB, we are proud to serve the people, farms, and businesses across many counties in Kentucky. If you’d like to read more about community banks making a lasting impact across the nation, click here to read the full article from ABA.

Wilson & Muir Bank was built on small businesses. We've helped small businesses grow and prosper for over 150 years. To show our continued support for our community's local businesses we will be offering free coffee and donuts at all WMB branches on Saturday, November 25! We hope you'll join us!

By Matt Lasley, reporter for Grayson County News Gazette http://www.gcnewsgazette.com On March 5 a group of local business people will launch the Grayson County Business Boosters, an organization designed to help promote the growth and success of community businesses. President of the Business Boosters and the representative for Wilson & Muir Bank, April Bowman said the group has been meeting for over a year and will continue to meet on a weekly basis. Bowman said the group's meetings will take place every Tuesday at 8 a.m. in the basement of Wilson & Muir Bank's main office on S. Main Street and will afford its members the opportunity to learn about one another's businesses and the market they try to reach. The members will then, hopefully, help to provide word-of-mouth advertising for one another, in the hopes of increasing business, Bowman said. Bowman said the Business Boosters started as a chapter of Business Networking International (BNI), but the group decided to branch off from BNI to better attend to the needs of Grayson County. A number of representatives from local businesses have already joined the Business Boosters, including Steven Elder of Elder Wealth Management; Mark Godby of Leitchfield Exterminating; John Allen of T-Shirt Express; Dottie Watson of Real Deal Realty; Robbie Whitworth of Dan Powers GM Center; and Ken Rishel of Southern Kentucky Garage Doors. Bowman said while the group has been meeting for some time now, it welcomes anyone from a community business to join. "A lot of people have had the perception that [the Business Boosters] is an exclusive club," she said. "That's not the case. It's open to everybody. We're not in this to get rich. We're here to help all businesses in the community grow." In addition to their weekly meetings, the Business Boosters sponsor the annual Business Expo at the Centre on Main in Leitchfield, during which a number of local businesses set up booths and interact with one another and members of the community.