Pub. 8 2019-2020 Issue 6

Since 1983, Travelers has held the endorsement of the Independent Community Bankers of America as the preferred service provider for property , casualty and various other types of insurance. Key ICBA member benefits Through the Travelers ICBA Insurance Program, you get access to all of the advantages of a Travelers policyholder, along with these benefits: • Opportunity to earn a “safety group” dividend — an incentive that has paid out more than $65 million to eligible member banks since the program began over 35 years ago . • Peace of mind knowing that the program is endorsed by the ICBA and that one-third of ICBA members already participate . Policyholders’ dividend Member banks purchasing qualifying property/casualty* and workers compensation coverage may be eligible for a “safety group” dividend payout. The potential dividend may be distributed if group loss experience is favorabl e and other criteria are met.** Why Travelers • We’ve provided effective insurance solutions for more than 160 years and address the needs of a wide range of industries • A.M. Best gives Travelers an A++, its highest rating, for financial strength and claims - paying ability. When the unexpected happens, we’ll be here to help.*** • Our dedicated underwriters and claim professionals offer extensive industry and product knowledge ICBA Insurance Program COMMUNITY BANKS Travelers knows community banks. To learn more, talk with your independent insurance agent or broker, or visit travelers.com/ICBA . travelers.com/ICBA Travelers Casualty and Surety Company of America and its property casualty affiliates. One Tower Square, Hartford, CT 06183 This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. The a vailability of coverage referenced in this document can depend on underwriting qualifications and state regulations. © 2019 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. 59281 Rev. 12-19 * All property/casualty coverages may not be available in certain areas. Countrywide, umbrella, mail and equipment breakdown coverages are not eligible for dividend payout. ** Dividends are not guaranteed and are subject to the approval of Travelers’ board of directors. *** A.M. Best rating applies to certain insurance subsidiaries of The Travelers Companies, Inc. that are members of the Travelers Insurance Companies pool. Other subsidiaries are included in another rating pool or are separately rated. For a listing of companies rated by A.M. Best and other rating services , visit www.travelers.com. Ratings listed herein are as of October 31, 2018, are used with permission, and are subject to changes by the rating services. For the latest rating, visit www.ambest.com . Average dividend payout over the last TEN years has been 8.20% .

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