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Special Meeting Materials are available on-line at: http://www.edocumentview.com/PFBISpecial Small steps make an impact. Help the environment by consenting to receive electronic delivery, sign up at www.investorvote.com/PFBISpecial qIF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE. q REVOCABLE PROXY — PREMIER FINANCIAL BANCORP, INC. + SPECIAL MEETING OF SHAREHOLDERS July 1, 2021 10:30 a.m. local time THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS KNOW ALL MEN BY THESE PRESENTS, the undersigned shareholder of PREMIER FINANCIAL BANCORP, INC. (“Company”), Huntington, West Virginia, does hereby nominate, constitute and appoint TONEY K. ADKINS and LLOYD G. JACKSON II or either of them (with full power to act alone), my true and lawful attorney(s) and proxy(ies) with full power of substitution, for me and in my name, place and stead, to vote all of the Common Stock of the Company standing in my name on its books at the close of business on May 27, 2021, at the Special Meeting of Shareholders to be held at the Double Tree by Hilton Hotel, 1001 3rd Avenue, Huntington, West Virginia, on July 1, 2021, at 10:30 a.m. (eastern daylight time), and at any adjournment thereof, with all the powers the undersigned would possess if personally present as follows: This proxy is solicited by the Board of Directors and will be voted as specified and in accordance with the accompanying proxy statement. If no instruction is indicated, then the above named proxies, or any one of them, will vote the shares represented “FOR” Item #1, “FOR” Item #2 and “FOR” Item #3 and in accordance with their discretion on any other business that may properly come before the meeting. Information regarding the matters to be acted upon at the meeting is contained in the Notice of Special Meeting of Shareholders and the Proxy Statement accompanying this proxy. PLEASE COMPLETE, DATE, SIGN, AND MAIL THIS PROXY CARD PROMPTLY IN THE ENCLOSED POSTAGE-PAID ENVELOPE OR PROVIDE YOUR INSTRUCTIONS TO VOTE VIA THE INTERNET OR BY TELEPHONE. (Continued, and to be marked, dated and signed, on the other side) C Non-Voting Items Change of Address — Please print new address below.