Company Citizens First Corp.

Citizens First Corporation is the bank holding company for Citizens First Bank, Inc. (the Bank). The Bank conducts full-service community banking operations from approximately 10 locations in the Kentucky counties of Barren, Hart, Simpson and Warren. The Bank is primarily engaged in the business of accepting demand, savings and time deposits insured by the Federal Deposit Insurance Corporation (FDIC) and providing commercial, consumer and mortgage loans to the general public. The Bank also provides debit cards, credit cards, safekeeping and safe deposit boxes, automated clearing house (ACH) and other direct deposit services, savings bond redemptions, cashier's checks, travelers' checks and letters of credit. The Bank offers a range of loans, including commercial and residential real estate mortgage loans, construction loans, commercial loans and consumer loans to individuals and small to mid-size businesses.