BUILDING SOMETHING STRONGER.

BUILDING SOMETHING STRONGER.

1 WE WANT TO MAKE KANSAS CITY A BETTER PLACE BY INVESTING IN THESE THREE THINGS: COMMUNITY, PHILANTHROPY AND ENTREPRENEURSHIP.

A FEW WORDS FROM OUR PRESIDENT STRENGTH IN NUMBERS. STABILITY THROUGH GROWTH. We have seen incredible growth over the past few years due to our foundation of relationship banking. Bank of Blue Valley continues to be the local community bank that our customers have trusted for 28 years, while offering the latest technology and an advanced digital experience through our website, bankbv.com and our BankofBV mobile app. We are committed to maintaining a high level of customer service with our knowledgeable Banking Specialists in each of our five locations, as well as our friendly HelpLine staff there to answer your calls or respond to a Live Chat. Relationship banking at its core means not just asking for our customer s loan business, or just their deposit business, or just their wealth management business, but asking for a relationship where we can serve them in as many ways as possible. I m proud to report that in 2017 we asked and our customers responded! The result was significant growth in both loans and deposits with relationship banking at the heart of that growth. While we have been serving the wealth management needs of our customers for many years, we have a new team in place and a newly formed Registered Investment Advisory firm, Blue Valley Wealth Advisors, Inc. We are excited about this new entity and our ability to assist our clients with a more personalized and comprehensive suite of products. It allows us to provide a full-service financial approach to our customers business cash management services, business loans, personal financial services and loans, private banking and investment management. Bank of Blue Valley is well positioned to assist with all of our customers financial needs. In addition, we continue to build on our three pillars of Community, Philanthropy and Entrepreneurship. We keep these pillars in the forefront of our minds so they are reflected in our decisions and actions every day. The Bank and its employees donated more than $287,000 last year to a variety of local non-profits. It s important to us to continue to give back to our community and help local entrepreneurs build their businesses and celebrate their success. ROBERT D. REGNIER President & CEO

3 LET S TAKE A LOOK AT SOME NUMBERS. FINANCIAL HIGHLIGHTS Through a responsible growth strategy, we grew revenue, managed risks, reduced expenses and continued to reinvest in our associates and our community. Notable achievements during 2017 included: Stellar loan quality with a ratio of.22% of nonperforming loans to total loans (as of 12/31) Achieved a net recovery ratio of 0.05% of average loans, meaning we recovered more from loans previously charged off, than we charged off in 2017 9% 11% 15% NET LOAN GROWTH NET DEPOSIT GROWTH NET INTEREST INCOME (NEARLY $3 million) TOTAL LOANS TOTAL DEPOSITS 600,000 600,000 550,000 550,000 DOLLARS 500,000 DOLLARS 500,000 450,000 450,000 400,000 2013 2014 2015 2016 2017 400,000 2013 2014 2015 2016 2017 23,000 NET INTEREST INCOME & MARGIN 3.59% NON-PERFORMING ASSETS TO TOTAL ASSETS 5.00% 21,000 3.75% 3.40% DOLLARS 19,000 3.33% 3.34% PERCENT 2.50% 17,000 1.25% 3.13% 15,000 2013 2014 2015 2016 2017 0.00% 2013 2014 2015 2016 2017

5 I became a banker because I wanted to help business owners achieve their dreams. This is the philosophy that resounds with all of Bank of Blue Valley s business bankers. Since our founding 28 years ago, Bank of Blue Valley has focused on developing strong, trusted partnerships with our business clients. Through our hands-on, solutions-based process we are committed to being more than a bank, but rather developing a true investment of our expertise in our clients businesses. We offer our creative, flexible expertise to identify outsidethe-box options bringing value-added support to our customers, making us the ultimate community bank partner. Bank of Blue Valley is proud to have increased our commitment within the community by growing our loan portfolio. This financial investment includes numerous business start-ups, and has propelled further development of existing local businesses. The loan portfolio mix chart illustrates our dedication to serving the commercial lending needs of our community. Lending is just one part of our business banking approach; our Treasury Management division is a vital component of business banking. Our Treasury Management professionals utilize cutting-edge technology, combined with personalized service, to provide local business owners and decision makers with the resources they need to WE DO BIG THINGS FOR LOCAL BUSINESSES BY NEVER THINKING SMALL. BUSINESS BANKING Lease Financing Consumer Loans Residential Real Estate Loans Home Equity Loans Construction Loans Commercial Real Estate Loans Commercial Loans 2% 2% 7% 5% 13% 42% 28% expedite collection of their revenues and maximize the return on their capital. This allows our clients to focus their attention on what they do best building their business. We continue to invest in making sure our clients have access to the products and services the big banks deliver, but with the personal touch and relationship that only a local, community bank can provide! LOAN PORTFOLIO MIX $375 MILLION IN NEW LOANS SINCE 2015

OUR ONLINE BANKING TOOLS CONTINUE TO EVOLVE. OUR VALUES DO NOT. PERSONAL & DIGITAL BANKING While we recently remodeled our banking center in Overland Park and have plans for renovations to our other locations, we recognize the impact and benefits that technology has presented to our business. We aim to keep our digital banking presence at the forefront of convenience, functionality and security. Technology has made it possible for the bank to engage with its customers in a multitude of ways on multiple platforms. We embrace this opportunity and have invested resources to enhance service offerings and explore new possibilities. The importance of strengthening our digital banking services is of paramount importance to us. We continue to build on the success of our online/mobile account opening service by expanding available account offerings and adding functionality, like mobile photo data capture, to support a mobile conscious design. We ve seen a steady adoption of our mobile banking app which features mobile deposit and fingerprint ID functionality. Our website, bankbv.com is more than a website, it is a digital banking center offering online account opening, access to online banking, helpful information and video tutorials, along with a new Online Security Center updated regularly with recent fraud alerts and scam information. Furthermore, we ve advanced our debit card offering to include EMV chip technology along with compatibility with major Digital Wallets, i.e., Apple Pay, Samsung Pay, Google Pay, and MasterPass. Flexibility, convenience, and security are the key elements we evaluate when pursuing opportunities to strengthen our digital and card services now and into the future! WE OFFER THE BUSINESS, PERSONAL AND WEALTH MANAGEMENT SERVICES OF A LARGER FINANCIAL INSTITUTION, WITH THE CHARM OF A 28 YEAR-OLD COMMUNITY BANK.

7 OUR WEALTH MANAGEMENT TEAM HAS ONE GOAL: TO HELP YOU ACHIEVE YOURS. WEALTH MANAGEMENT One of the areas we have focused on the last few years is our Wealth Management division. In mid-2016, Todd York joined Bank of Blue Valley as Senior Vice President of Wealth Management and in 2017, we formed Blue Valley Wealth Advisors, Inc., a Registered Investment Advisory firm. In addition to our traditional wealth management offerings of Private Banking, Trust, and Brokerage services, Blue Valley Wealth Advisors enables us to provide highly personalized, goals-based investment management services. As a full-service community bank, we see this as a logical addition to our existing Wealth Management division and we are well-qualified to deliver the high level of care and service our customers associate with Bank of Blue Valley. Investment products offered by Blue Valley Wealth Advisors Inc., a wholly owned subsidiary of Bank of Blue Valley Not FDIC Insured Not Bank Guaranteed May Lose Value Not a Deposit Not Insured By Any Federal Government Agency

ROBERT D. REGNIER President & Chief Executive Officer, founded the Bank in 1989 MARK A. FORTINO Executive Vice President & Chief Operating Officer, joined the Bank in 1998 EXECUTIVE TEAM Our success in being a communityminded, philanthropic entrepreneurial organization starts with our leadership. Our staff is consistently recognized for their leadership and outstanding service. 50% of our employees have been with us for 10 or more years. The tenure of our employees is a significant component of our success and we are grateful for their continued loyalty. BRUCE A. EASTERLY Executive Vice President & Chief Lending Officer, joined the bank in 2002 BONNIE M. MCCONNAUGHY Senior Vice President, Operations, joined the Bank in 1990 When you add up the tenure of our Executive Team, we have over 110 years of experience with our Company. This consistency has provided the necessary leadership to create a community banking environment that enables our employees, and more importantly, our customers, to thrive and be successful. It is through this leadership and the strong teams we have assembled that can help you and your business succeed in the future. STEVE H. FLEISCHAKER Senior Vice President, Director of Sales & Business Development, joined the Bank in 2001 B. TODD YORK Senior Vice President, Wealth Management, joined in 2016

9 BANK BOARD The strength of our Bank Board and its Holding Company, Blue Valley Ban Corp s board, has been at the heart of our success since our inception. We have been fortunate to have attracted many great community leaders to our boards over the years. Our directors are all very successful in their respective careers, are highly regarded in the Kansas City community and contribute significantly to the governance of both the Bank and the Company. They all embody our values of Community, Philanthropy and Entrepreneurship. We are proud to have helped entrepreneurs and small business owners just like you build and shape our communities for the future. Together we can build something stronger. ROBERT D. REGNIER Robert Bob Regnier serves as Chairman, President & CEO and started the Bank in 1989 after 18 years with Baltimore Bank, Boatmen s Bank & Trust, and Boatmen s First National Bank. DON H. ALEXANDER Don H. Alexander has been a director since the Bank s formation in 1989. He is a private investor with a background in commercial banking. His tenure provides him with a deep understanding of the business of the Bank and the market in which it competes and provides continuity to the Board as a whole. CHARLES H. HUNTER Charles H. Hunter is a founding principal in Kessinger/Hunter & Company; a Kansas City based real estate brokerage and management company since 1966. RICHARD L. BOND Richard L. Bond brings a long history of serving on boards and committees and working with community organizations. He served in the Kansas Senate representing the 8th District from December 1986 until 2001. STEVEN D. WILKINSON Steven D. Wilkinson is the immediate past CEO of a major local medical center whose vision and passion over the past 17 years helped them grow and expand to become one of Kansas City s best-known healthcare assets. WILLIAM RYAN WILKERSON IV William Ryan Wilkerson IV is the President and CEO of Haas & Wilkerson Insurance, a third-generation Kansas City risk management and insurance brokerage firm.

HOLDING COMPANY BOARD ROBERT D. REGNIER Robert Bob Regnier is known throughout Kansas City as a philanthropic, community leader. He serves on numerous boards, including Johnson County Community College Foundation, KU Edwards Campus, UMKC Foundation, Union Station, Civic Council of KC, and Greater Kansas City Community Foundation. He has also been named Kansas Citian of the Year and Johnson Countian of the Year, along with many other professional and civic recognitions. ANTHONY TONY SCAVUZZO Anthony Tony Scavuzzo is a principal with Castle Creek, an investment firm. He brings to the board a vast background in strategic planning, operational improvements, acquisitions, and capital financing. THOMAS A. MCDONNELL Thomas A. McDonnell served as President and CEO of DST Systems from 1973 to 2012. He then led the Kauffman Foundation, the largest non-profit focused on entrepreneurship in the world, from 2012 to 2015. He is an experienced business leader with a track record of building global organizations that are both innovative and philanthropic. DON H. ALEXANDER Don H. Alexander is the only outside director that serves on both the Bank Board and the Holding Company Board and whose experience is previously noted. ROBERT D. TAYLOR Robert D. Taylor is the founder and a director of Executive AirShare Corporation, a fractional aircraft company headquartered in Kansas City, Missouri. He brings to the board his financial expertise and his experience as a chief executive officer, chairman of the board and chief financial officer of a publicly-traded company. JAMES L. GEGG James L. Gegg is a former managing partner with PricewaterhouseCoopers LLP ( PwC ), where he served clients principally in the financial services and transportation industries over a 38 year career. He brings to the board his extensive experience of interacting with audit committees and senior executives regarding complex accounting and corporate governance issues. ANNE D. ST. PETER Anne D. St. Peter is the Founder of Global Prairie, a global marketing firm. Her Company s business model is rooted in philanthropy as it donates 10 percent of its annual profits to nonprofit organizations changing the world. She brings to the board her strong marketing and communications background which is critical in differentiating ourselves from our competitors.

OVERLAND PARK 11935 Riley St. Overland Park, KS 66213 OLATHE 1235 E. Santa Fe Rd. Olathe, KS 66061 SHAWNEE 5520 Hedge Lane Terr. Shawnee, KS 66226 LEAWOOD 13401 Mission Rd. Leawood, KS 66209 LENEXA 9500 Lackman Rd. Lenexa, KS 66219 WWW.BANKBV.COM 913.338.1000 SHARES OF BLUE VALLEY BAN CORP. COMMON STOCK ARE CURRENTLY QUOTED ON THE OTCQX UNDER THE SYMBOL BVBC. Financial information available on our Investor Relations website at bankbv.com/about SURCHARGE FREE ATM NETWORK VISIT WWW.MONEYPASS.COM TO FIND A LOCATION MEMBER FDIC