At Carter Bank & Trust, one of our highest priorities is the welfare of our customers and employees.

Since initial reports were released, we have been closely monitoring developments reported in the news and by government officials regarding the COVID-19 Coronavirus. We have dedicated resources in place to assure continued service in the event of a contingency situation.

We are proactively monitoring the developing situation, helping our employees to stay healthy and keeping your interests safeguarded. Most of our non-branch employees are fully equipped and capable of working from remote locations or at home. Our Customer Contact Center is also available to assist you with any account questions or concerns you may have by calling 833.ASK.CBAT or 833.275.2228, Monday – Friday, 8 a.m. to 8 p.m. and Saturday, 9 a.m. to 5 p.m.

Our branches are open, but we encourage you to take advantage of our online and mobile banking services which provide 24/7 account access. In the event changes to some of our branch / non-branch operations are required to keep our customers and employees safe, we appreciate your patience and understanding. Communication regarding any changes to hours of operation and important updates will be available on our website, CBTCares.com, and at all Carter Bank & Trust locations.

Listed below are some of the steps we have taken to ensure our branches continue to operate in a safe manner:

• Increasing the disinfecting of all high touch areas, like entrances into branches, teller lines, checking writing tables and all desk services.
• Increasing the frequency of safe hygiene breaks for employee handwashing.
• Adding hand sanitizer in public areas as soon as possible.
• Asking employees, who are sick, to stay home.
• Asking employees, who have been traveling, to adhere to the Centers for Disease Control and Prevention’s (CDC) travel guidelines.
• Suspending nonessential travel between our service regions.
• Conducting group meetings by conference calls.

We ask that if you, a member of your family, or someone with whom you have come in contact recently is showing symptoms of flu, please do not enter the branch and instead use our drive-through, online and mobile banking services.

We will continue to monitor the news and any reports or requirements from the CDC and local, state and federal governments. Our focus, dedication and support are unwavering as we navigate these unique times. We hope you and your loved ones remain safe and healthy.

Sincerely,

Litz H. Van Dyke

Chief Executive Officer