Fitch Proof - 93526-Poage Proxy Card Rev 01 - Front YOUR VOTE IS IMPORTANT. PLEASE VOTE TODAY. Vote by Internet or Telephone - Q U I CK ! ! ! E A SY IMMEDIATE - 24 Hours a Day, 7 Days a Week or by Mail Your telephone or Internet vote authorizes POAGE BANKSHARES, INC. the named proxies to vote your shares in the same manner as if you marked, signed, dated and returned your proxy card. Votes submitted electronically over the Internet or by telephone must be received by 11:59 p.m., Eastern Time, on October 29, 2018. INTERNET/MOBILE – www.cstproxyvote.com Use the Internet to vote your proxy. Have your proxy card available when you access the above website. Follow the prompts to vote your shares. TELEPHONE – 1 (866) 894-0536 (toll-free) Use a touch-tone telephone to vote your proxy. Have your proxy card available when you call. Follow the voting instructions to vote your shares. PLEASE DO NOT RETURN THE PROXY CARD IF YOU MAIL – Mark, sign and date your proxy ARE VOTING ELECTRONICALLY OR BY PHONE. card and return it in the postage-paid envelope provided. "# FOLD HERE • DO NOT SEPARATE • INSERT IN ENVELOPE PROVIDED " Please mark REVOCABLE PROXY your votes like this X THIS PROXY, WHEN PROPERLY EXECUTED AND DATED, WILL BE VOTED AS INDICATED, OR IF NO DIRECTION IS INDICATED, WILL BE VOTED “FOR” EACH OF THE PROPOSALS STATED BELOW. 1. To adopt and approve the Agreement FOR AGAINST ABSTAIN 3. To approve the adjournment of the FOR AGAINST ABSTAIN and Plan of Merger dated as of July special meeting, if necessary, to solicit 11, 2018 by and between City Holding additional proxies in the event there are Company and Poage Bankshares, Inc., not sufficient votes at the time of the and the merger contemplated thereby. special meeting to accept and approve the Agreement and Plan of Merger and the merger. 2. To approve, on an advisory basis, FOR AGAINST ABSTAIN specified compensation that may be payable to the named executive THE BOARD OF DIRECTORS UNANIMOUSLY officers of Poage Bankshares, Inc. in RECOMMENDS A VOTE “FOR” EACH OF THE connection with the merger. PROPOSALS. CONTROL NUMBER Signature_____________________________________Signature, if held jointly_____________________________________ Date_____________, 2018 Note: Please sign exactly as name appears hereon. When shares are held by joint owners, both should sign. When signing as attorney, executor, administrator, trustee, guardian, or corporate officer, please give title as such.

Fitch Proof - 93526-Poage Proxy Card Rev 01 - Back Important Notice Regarding the Availability of Proxy Materials for the Special Meeting of Stockholders to be held October 30, 2018. The Notice of Special Meeting of Shareholders and the Proxy Statement/Prospectus are available at: https://www.cstproxy.com/townsquarebank/sm2018 "# FOLD HERE • DO NOT SEPARATE • INSERT IN ENVELOPE PROVIDED " REVOCABLE PROXY THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS POAGE BANKSHARES, INC. The undersigned appoints Thomas L. Burnette, Charles W. Robinson and Bruce VanHorn, and each of them, as proxies, each with the power to appoint his substitute, and authorizes each of them to represent and to vote, as designated on the reverse hereof, all of the shares of common stock of Poage Bankshares, Inc. held of record by the undersigned at the close of business on September 4, 2018 at the Special Meeting of Shareholders of Poage Bankshares, Inc. to be held on October 30, 2018, or at any adjournment thereof. THIS PROXY, WHEN PROPERLY EXECUTED AND DATED, WILL BE VOTED AS INDICATED. IF NO CONTRARY INDICATION IS MADE, THIS PROXY WILL BE VOTED IN FAVOR OF EACH OF THE PROPOSALS. (Continued, and to be marked, dated and signed, on the other side)