Dividend Reinvestment Plan
Through the Republic Bancorp Inc. Dividend Reinvestment Plan, shareholders with common stock registered in their names can reinvest their dividends in additional shares of common stock. In addition, participating shareholders may purchase common stock with supplemental cash payments of $10 to $5,000 each quarter and have the option to deposit stock certificates into their accounts. The Company assumes all costs associated with the purchase of shares under the Plan. For a brochure, authorization card or further information, please contact Kristine D. Brenner.

Account Consolidation and Elimination of Duplicate Mailings
If you receive duplicate mailings of Republic Bancorp materials at one address, and you wish to discontinue such mailings, or you would like to consolidate your registered shareholder accounts, write or call State Street Bank and Trust, our stock transfer agent, providing your full name and address the way it appears on your account statements.

Form 10-K and Other Financial Reports
Copies of Republic Bancorp's 1998 Annual Report on Form 10-K filed with the Securities and Exchange Commission,Quarterly Form 10-Q's, and Quarterly Earnings Releases may be obtained by calling or writing Kristine D. Brenner.

Internet Address
Information on Republic Bancorp's financial results and its products and services can be accessed on the Internet at www.republicbancorp.com.