Related Party Transactions and Outside Related Director Information

Citizens First Financial Corp. (Retired) (CFSB.X)

3/19/2004 Proxy Information

The Bank makes loans to directors and executive officers from time-to-time in the ordinary course of business. The BankÕs current policy provides that all loans made by the Bank to its directors and executive officers are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons and do not involve more than the normal risk of collectability or present other unfavorable features.

Mr. Borngasser is a retired Executive Vice President of Citizens Savings Bank.