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Citizens Financial Corporation

Citizens Financial Corporation is listed on NASDAQ (CNFL). Citizens Financial Corporation (herein, the Company or the Registrant) was incorporated in Kentucky in 1990 at the direction of the Board of Directors of Citizens Security Life Insurance Company (Citizens Security) for the ultimate purpose of becoming an insurance holding company. Pursuant to a merger completed in 1991, Citizens Security became a wholly owned subsidiary of the Company. The Company is now a holding company that engages in the business of life insurance, annuities, and accident and health insurance through Citizens Security and United Liberty Life Insurance Company (United Liberty) (herein collectively, the Life Insurance Subsidiaries). The Company also owns Citizens Insurance Company (Citizens Insurance), which is licensed as a property and casualty insurer but currently has no business inforce. The Life Insurance Subsidiaries and Citizens Insurance are herein collectively referred to as the Insurance Subsidiaries.

Citizens First Bancorp Inc.

Citizens First Bancorp Inc. is listed on NASDAQ (CTZN). Citizens First Bancorp, Inc. (the Bancorp) was organized in October 2000 as a Delaware business corporation at the direction of Citizens First Savings Bank (Citizens) and is the holding company for Citizens and Metrobank (Metrobank, see Note 2 to the Company's Consolidated Financial Statements under Item 8 of this Report), state-chartered savings banks headquartered in Port Huron and Farmington Hills, Michigan, respectively. The consolidated financial statements include the accounts of the Bancorp and its wholly-owned subsidiaries Citizens and Metrobank (the Banks). Citizens also includes the accounts of its wholly owned subsidiaries, Citizens Financial Services, Inc., and Citizens First Mortgage, LLC. Citizens Financial Services, Inc. includes the accounts of its wholly owned subsidiary, and CFS Insurance Agency.

Danielson Holding Corporation ..ding company incorporated in Delaware on April 16, 1992. Prior to entering the energy business through its acquisition of Covanta Energy Corporation (..

Covansys Corporation ..obal technology services company with a focus on industry-specific solutions, strategic outsourcing and integration services. We address the most chal..

Danaher Corporation ..ign, manufacture and marketing of industrial and consumer products, which are typically characterized by strong brand names, proprietary technology an..

Ethan Allen Interiors Inc. ..riors Inc., through its wholly-owned subsidiary, Ethan Allen Inc., and Ethan Allen Inc.'s subsidiaries (collectively, Ethan Allen), is a leading manuf..

Dollar Financial Corp. ..company serving under-banked consumers. Our customers are typically lower- and middle-income working-class individuals who require basic financial ser..

Digital Realty Trust Inc. ..any refer to Digital Realty Trust, Inc., a Maryland corporation, together with our consolidated subsidiaries, including Digital Realty Trust, L.P., a ..

DSP Group Inc. .. in the short-range residential wireless communications market. By combining our proprietary technologies and advanced design methodologies, we offer ..

DTS Inc. ..ogy, historically focused on high-quality digital multi-channel audio technology, products, and services for entertainment markets worldwide. Multi-ch..

Envoy Communications Group Inc. ..al consumer and retail branding company with offices in North America and Europe. Envoy conducts its branding services through its wholly-owned subsid..

99 CENTS ONLY STORES ..nsumable general merchandise with an emphasis on name-brand products. The Companys stores offer a wide assortment of regularly available consumer good..

Embrex Inc. ..ural biotechnology company engaged in the development of innovative in ovo (in the egg) solutions that meet the needs of the global poultry industry. ..

eOn Communications Corporation ..elops and markets unified voice, email and Web-based communications systems and software for customer contact centers and general business application..

Equity One Inc. ..at principally acquires, renovates, develops and manages community and neighborhood shopping centers located predominately in high growth markets in t..

Everlast Worldwide Inc. .. constitute forward-looking statements within the meaning of Section 27A of the Securities Act and Sections 21E of the Exchange Act. Such forward-look..

Liberte Investors Inc. ..s) is a retailer, servicer and underwriter of non-standard personal automobile insurance based in Nashville, Tennessee. We currently write non-standar..

Feldman Mall Properties Inc. ..d, self-administered and self-managed real estate company formed in July 2004 to continue the business of Feldman Equities of Arizona to acquire, reno..

Fairfax Financial Holdings Ltd ..inancial services holding company which, through its subsidiaries, is engaged in property and casualty insurance and reinsurance, investment managemen..

Leesport Financial Corporation .. headquartered at 1240 Broadcasting Road, Wyomissing, Pennsylvania 19610. The Company was organized as a bank holding company on January 1, 1986. The ..

FOCUS Enhancements Inc. ..y reference in this Report, including those relating to our strategy and other statements that are predictive in nature, that depend upon or refer to ..

FoxHollow Technologies Inc. ..evices primarily for the treatment of peripheral artery disease. PAD results from the accumulation of plaque in arteries, most commonly occurring in t..

Franklin Street Properties Corp. ..ch we will refer to as FSP Corp. or the Company, is a Maryland corporation that operates in a manner intended to qualify as a real estate investment t..

Gladstone Investment Corporation ..ted under the General Corporation Laws of the State of Delaware on February 18, 2005. On June 22, 2005 we completed an initial public offering and com..

Grill Concepts Inc. ..t otherwise requires, as used herein, the Company, we, our, or us, means Grill Concepts, Inc., a Delaware corporation and its subsidiaries. GENERAL Gr..

Glen Burnie Bancorp ..anized in 1990 under the laws of the State of Maryland. It presently owns all the outstanding shares of capital stock of The Bank of Glen Burnie, a co..

Green Mountain Coffee Roasters Inc. ..in Coffee) is a leader in the specialty coffee industry. We sell over 100 coffee selections through a coordinated multi-channel distribution network i..

GoAmerica Inc. ..vice provider, offering solutions primarily for consumers who are deaf, hard of hearing and-or speech-impaired, including wireless subscription and va..

Genco Shipping & Trading Limited .. in the Marshall Islands. We transport iron ore, coal, grain, steel products and other drybulk cargoes along worldwide shipping routes. Our fleet cons..

Hampshire Group Limited ..ware corporation, is a holding company that markets apparel through two wholly-owned subsidiaries, Hampshire Designers, Inc. (Hampshire Designers) and..

Healthcare Technologies Ltd. ..liability company under the law of the state of Israel in May 1988. The Company's principal executive offices are located at Beit Amargad, 32 Shaham S..

Harolds Stores Inc. ..ries, through a chain of ladies and mens specialty apparel stores in 19 states, offers high-quality, classically inspired apparel to the upscale, qual..

Hub Group Inc. .. incorporated on March 8, 1995. We are one of North America's leading non-asset based freight transportation management companies. We offer comprehens..

Hutchinson Technology Incorporated ..an Hutchinson Technology Incorporated and its subsidiaries. Unless otherwise indicated, references to 2006 mean our fiscal year ending September 24, 2..

Hutchison Telecommunications International Limited ..rovider of mobile and fixed-line telecommunications services. We currently serve eight markets around the world: Hong Kong, Macau, India, Israel, Thai..

Icagen Inc. ..discovery, development and commercialization of novel orally-administered small molecule drugs that modulate ion channel targets. Ions are charged par..

INFINEON TECHNOLOGIES AG ..cal Year The business name of the company is Infineon Technologies AG. º (2) º The companys registered place of business is Munich. º (3) º The fiscal..

I-many Inc. ..oking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, ..

IntegraMed America Inc. ..ices to patients and providers in the fertility industry. The IntegraMed Network is comprised of twenty-five fertility centers in major markets across..

World Fuel Services Corporation ..in Florida in July 1984 and along with its consolidated subsidiaries is referred to collectively in this Annual Report on Form 10-K as World Fuel, we,..

Insignia Systems Inc. ..ing products, programs and services to retailers and consumer packaged goods manufacturers. The Company has been in business since 1990. Since 1998, t..

Invitrogen Corporation .. 1987 and incorporated in California in 1989. In 1997 we reincorporated as a Delaware corporation. Our principal offices are in Carlsbad, California. ..

JOHNSON & JOHNSON .. people worldwide, is engaged in the manufacture and sale of a broad range of products in the health care field. Johnson & Johnson has over 200 subsid..

Key Technology Inc. ..r of vegetable processing equipment. The Company has evolved into a worldwide supplier of process automation solutions to the food processing industry..

Kraft Foods Inc. ..in the Commonwealth of Virginia. Kraft, through its subsidiaries (Kraft and its subsidiaries are hereinafter referred to as the Company), is engaged i..

Carmike Cinemas Inc. ..s in the United States. As of December 31, 2004, we owned, operated or had an interest in 282 theatres with 2,188 screens located in 36 states, making..

K-Tron International Inc. ..tion founded in 1964, and our Common Stock trades on the Nasdaq National Market under the symbol KTII. We are engaged in one principal business segmen..

Lehman Brothers Fin SA ..ehman Brothers Holdings Inc., a Delaware corporation, incorporated on December 29, 1983. Holdings and its subsidiaries are collectively referred to as..

LMI Aerospace Inc. ..achining, finishing and integrating formed, close tolerance aluminum and specialty alloy components and sheet metal products for use by the aerospace,..

Leucadia National Corporation ..ed in a variety of businesses, including telecommunications, healthcare services, manufacturing, banking and lending, real estate activities, winery o..

Stellent Inc. ..atements within the meaning of the safe harbor provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities ..

MACC Private Equities Inc. ..e corporation on March 3, 1994. It is qualified as a business development company (BDC) under the Investment Company Act of 1940, as amended (the 1940..

McDermott International Inc. ..ed under the laws of the Republic of Panama in 1959 and is the parent company of the McDermott group of companies, which includes: . J. Ray McDermott,..

Allstate Corporation (The) ..e laws of the State of Delaware on November 5, 1992 to serve as the holding company for Allstate Insurance Company. Its business is conducted principa..

Multimedia Games Inc. ..electronic games, and gaming terminals for the Native American gaming market, as well as for the growing racetrack casino, charity and commercial bing..

MIVA Inc. ..providing e-commerce solutions since 1998. We offer proprietary performance-based marketing and commerce enabling services that help businesses of all..

MDC Partners Inc. ..of Amalgamation effective December 19, 1986 pursuant to the Business Corporations Act (Ontario). Effective December 19, 1986, the Company amalgamated ..

Modine Manufacturing Company ..chnology, serving the vehicular, industrial, commercial, electronic and building HVAC (heating, ventilating, and air conditioning) markets. Modine dev..

Marvell Technology Group Ltd. ..high-performance analog, mixed-signal, digital signal processing and embedded microprocessor integrated circuits. Our diverse product portfolio includ..

MITY Enterprises Inc. ..markets premium quality, innovative institutional furniture created to meet the efficiency needs of its customers. The Companys product lines include ..

Nabors Industries Inc. ..the world, with almost 600 land drilling rigs. We conduct oil, gas and geothermal land drilling operations in the U.S. Lower 48 states, Alaska, Canada..

Nordson Corporation ..producers of precision dispensing equipment that applies adhesives, sealants and coatings to a broad range of consumer and industrial products during ..

National Grid Transco PLC ..our UK gas distribution networks. The North of England distribution network was sold to a consortium led by Cheung Kong Infrastructure Holdings Limite..

Northern States Power Co Minnesota ..wned five utility subsidiaries that serve electric and natural gas customers in 11 states. Four of these utility subsidiaries are SEC registrants, inc..

Optical Cable Corporation ..formation within the meaning of the federal securities laws. The forward-looking information may include, among other information, (i) statements conc..

Outback Steakhouse Inc. ..ure Partners, Inc., a Florida corporation, and in January 1990 we changed our name to Outback Steakhouse, Inc. (Outback Florida). Outback Steakhouse, ..

Perceptron Inc. ..anufactures and markets information-based measurement and inspection solutions for process improvement. Perceptrons product offerings are designed to ..

TranSwitch Corporation ..e read in conjunction with the information included elsewhere in this document. The description contains certain forward-looking statements that invol..

PSB Holdings Inc. ..g statements which may be identified by the use of words such as believe, expect, anticipate, should, planned, estimated and potential. Examples of fo..

Q.E.P. Co. Inc. ..tures, markets and distributes a broad line of specialty tools and flooring related products for the home improvement market in the United States of A..

Roberts Realty Investors Inc. ..thin the meaning of the federal securities laws. These statements relate to future economic performance, plans and objectives of management for future..

Ruths Chris Steak House Inc. ..rgest upscale steakhouse company in the United States, based on total company- and franchisee-owned restaurants as published in the Technomic, Inc. 20..

SEI Investments Company ..owned subsidiaries, is a leading global provider of outsourced business solutions to the financial services industry for wealth management. We serve t..

Symmetry Medical Inc .., together with its consolidated subsidiaries, as the Corporation) is the world's largest independent provider of implants and related instruments and..

Stora Enso Oyj ..nd board manufacturer in Europe and the largest paper and board manufacturer in the world based on production capacity, with 16.7 million metric tons ..