Kentucky Bancshares, Inc. (�Company,� �Kentucky,� �we,� �our� and �us�) is a
bank holding company headquartered in Paris, Kentucky. The Company was
organized in 1981 and is registered under the Bank Holding Company Act of 1956,
as amended (�BHCA�).
The Company conducts its business in the Commonwealth of Kentucky through one
banking subsidiary, Kentucky Bank.
Kentucky Bank is a commercial bank and trust company organized under the laws of
Kentucky. Kentucky Bank has its main office in Paris (Bourbon County), with
additional offices in Paris, Cynthiana (Harrison County), Georgetown (Scott
County), Lexington (Fayette), Morehead (Rowan County), Nicholasville (Jessamine
County), Sandy Hook (Elliott County), Versailles (Woodford County), Wilmore
(Jessamine County) and Winchester (Clark County). The deposits of Kentucky Bank
are insured up to prescribed limits by the Deposit Insurance Fund (�DIF�) of the
Federal Deposit Insurance Corporation (�FDIC�).