abrigo.com ABOUT FIRST & FARMERS First & Farmers National Bank was incorporated in February 2008. Its roots can be traced back to four community banks: Citizens Bank of Albany, located in Clinton County, KY, dating back to 1898; to First National Bank of Columbia, located in Adair County, dating back to 1903; to Bank of Cumberland, located in Cumberland County, dating back to 1889; and First and Farmers Bank located in Pulaski County, dating back to 1818. Today, more than 130 employees strive to provide exemplary customer service at First & Farmers’ 11 convenient locations. First & Farmers takes pride in its long history as a well-respected, sound, and profitable bank with over $635 million in assets. Learn more at firstandfarmers.com. BUILDING CECL ALLOWANCE CALCULATIONS WIT

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