HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES Our commitment to core values drives us to provide extraordinary customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month.

CITIZENS FIRST BANK

Sign in to your account Welcome back! Sign in to view status or complete next steps on your loan. LOCATIONS › CITIZENS FIRST BANK Citizens First Bank customers can also use their ATM or debit card at any Publix Presto! ATM with no surcharges 1 or transaction fees 2.The Presto! ATM network has over 1,200 ATMs located throughout the Southeast, with over 800 locations in Florida. CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. HELPFUL VIDEOS › CITIZENS FIRST BANK How to Set Up Apple Pay ® for Debit Cards . How to Set Up Samsung Pay for Debit Cards How to Set Up Card Control for iOS ® WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge CONSUMER LENDING › CITIZENS FIRST BANK Golf car access is an important part of living in our community and for many, it’s as necessary as owning an automobile. A new or used golf car loan will allow you to own the golf car that is just right for you whether you are looking for a standard car or one with features as individualized as you. HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES Our commitment to core values drives us to provide extraordinary customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month.

CITIZENS FIRST BANK

Sign in to your account Welcome back! Sign in to view status or complete next steps on your loan. LOCATIONS › CITIZENS FIRST BANK Citizens First Bank customers can also use their ATM or debit card at any Publix Presto! ATM with no surcharges 1 or transaction fees 2.The Presto! ATM network has over 1,200 ATMs located throughout the Southeast, with over 800 locations in Florida. CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. HELPFUL VIDEOS › CITIZENS FIRST BANK How to Set Up Apple Pay ® for Debit Cards . How to Set Up Samsung Pay for Debit Cards How to Set Up Card Control for iOS ® WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge CONSUMER LENDING › CITIZENS FIRST BANK Golf car access is an important part of living in our community and for many, it’s as necessary as owning an automobile. A new or used golf car loan will allow you to own the golf car that is just right for you whether you are looking for a standard car or one with features as individualized as you. CHECKING › CITIZENS FIRST BANK $25 minimum balance to open; No minimum balance requirement; Earns interest on balances over $1,000; Free branded checks; Branded debit card with rewards 1; Free cashier's checks/money orders 2; Account holder may qualify for a loan discount 1 CHECKING ACCOUNT FINDER › CITIZENS FIRST BANK Senior Interest Checking. Previous. Start Over. We recommend the following account: Student Checking. Previous. Start Over. We

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HELPFUL VIDEOS › CITIZENS FIRST BANK How to Set Up Apple Pay ® for Debit Cards . How to Set Up Samsung Pay for Debit Cards How to Set Up Card Control for iOS ® WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. CONTACT US › CITIZENS FIRST BANK Thank you for your submission! We will be in touch with you soon. DEBIT CARDS › CITIZENS FIRST BANK Citizens First personal debit cards have the following benefits: The Citizens First Bank Debit Card bears the Mastercard ® logo and is accepted at millions of locations around the world; There is ELECTRONIC PAYMENT SOLUTIONS › CITIZENS FIRST BANK Electronic Payment Solutions. With Citizens First Bank’s Business eBanking, we provide a wide array of Electronic Payment Processing including: ACH, Wires, Account Transfers, and Bill Pay. With Electronic Payment Processing, our Business eBanking site helps you IDENTITY THEFT › CITIZENS FIRST BANK Identity Theft. Identity Theft is a serious crime in which someone steals your personal information and uses it without your permission. Incidents of Identity Theft are on the rise and can disrupt your finances, credit history and reputation. TERMS OF USE › CITIZENS FIRST BANK The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank makes no warranty, whether express or implied, including without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES Our commitment to core values drives us to provide extraordinary customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month. OPEN AN ACCOUNT › CITIZENS FIRST BANK Open an account wherever you are! Opening an account at Citizens First Bank has never been easier! With our simple and secure account opening tool, you can open a new Citizens First Bank account on any device in minutes. Just provide us with a few pieces of information and you’ll soon have access to Hometown Banking At Its Best! BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. DEPOSIT RATES › CITIZENS FIRST BANK Initial Deposit to Open Daily Account Balance Annual Percentage Yield (APY)* $2,500.00: $0- $9,999.99: 0.05%: $2,500.00: $10,000.00 - $49,999.99: 0.05%: $2,500.00

CITIZENS FIRST BANK

Sign in to your account Welcome back! Sign in to view status or complete next steps on your loan. SCHEDULE OF FEES › CITIZENS FIRST BANK Fee depends on style and number of checks ordered. Collection - domestic incoming/outgoing. $10.00. Collection - foreign incoming/outgoing. $25.00 (plus postage, handling and correspondent costs) Coupon collection. $7.00 per envelope. Currency/coin

(non-customer)

IDENTITY THEFT › CITIZENS FIRST BANK Identity Theft. Identity Theft is a serious crime in which someone steals your personal information and uses it without your permission. Incidents of Identity Theft are on the rise and can disrupt your finances, credit history and reputation. HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES Our commitment to core values drives us to provide extraordinary customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month. OPEN AN ACCOUNT › CITIZENS FIRST BANK Open an account wherever you are! Opening an account at Citizens First Bank has never been easier! With our simple and secure account opening tool, you can open a new Citizens First Bank account on any device in minutes. Just provide us with a few pieces of information and you’ll soon have access to Hometown Banking At Its Best! BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. DEPOSIT RATES › CITIZENS FIRST BANK Initial Deposit to Open Daily Account Balance Annual Percentage Yield (APY)* $2,500.00: $0- $9,999.99: 0.05%: $2,500.00: $10,000.00 - $49,999.99: 0.05%: $2,500.00

CITIZENS FIRST BANK

Sign in to your account Welcome back! Sign in to view status or complete next steps on your loan. SCHEDULE OF FEES › CITIZENS FIRST BANK Fee depends on style and number of checks ordered. Collection - domestic incoming/outgoing. $10.00. Collection - foreign incoming/outgoing. $25.00 (plus postage, handling and correspondent costs) Coupon collection. $7.00 per envelope. Currency/coin

(non-customer)

IDENTITY THEFT › CITIZENS FIRST BANK Identity Theft. Identity Theft is a serious crime in which someone steals your personal information and uses it without your permission. Incidents of Identity Theft are on the rise and can disrupt your finances, credit history and reputation. MOBILE BANKING › CITIZENS FIRST BANK With our mobile banking apps for iPad®, iPhone® and Android™ smartphones, you have the freedom to: LOCATIONS › CITIZENS FIRST BANK Citizens First Bank customers can also use their ATM or debit card at any Publix Presto! ATM with no surcharges 1 or transaction fees 2.The Presto! ATM network has over 1,200 ATMs located throughout the Southeast, with over 800 locations in Florida. ABOUT US › CITIZENS FIRST BANK About Us. Citizens First Bank is a Bauer 5-star rated bank, founded in 1991 specifically to fill the needs of The Villages ® community and to conscientiously and joyously serve our residents in every way possible. Since that time, we have stayed committed to our Villages residents and have expanded to serve Leesburg, Fruitland Park, Ocala,

and

CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. HELPFUL VIDEOS › CITIZENS FIRST BANK How to Set Up Apple Pay ® for Debit Cards . How to Set Up Samsung Pay for Debit Cards How to Set Up Card Control for iOS ® DEBIT CARDS › CITIZENS FIRST BANK Citizens First personal debit cards have the following benefits: The Citizens First Bank Debit Card bears the Mastercard ® logo and is accepted at millions of locations around the world; There is WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. SOCIAL COMMUNITY GUIDELINES › CITIZENS FIRST BANK Citizens First Bank believes that its connection with its customers and potential customers is its greatest asset. Citizens First Bank proudly dedicates itself to providing exceptional customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships.To enhance our customer experience, it has engaged in the use of social media. IDENTITY THEFT › CITIZENS FIRST BANK Identity Theft. Identity Theft is a serious crime in which someone steals your personal information and uses it without your permission. Incidents of Identity Theft are on the rise and can disrupt your finances, credit history and reputation. TERMS OF USE › CITIZENS FIRST BANK The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank makes no warranty, whether express or implied, including without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES Our commitment to core values drives us to provide extraordinary customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month. OPEN AN ACCOUNT › CITIZENS FIRST BANK Open an account wherever you are! Opening an account at Citizens First Bank has never been easier! With our simple and secure account opening tool, you can open a new Citizens First Bank account on any device in minutes. Just provide us with a few pieces of information and you’ll soon have access to Hometown Banking At Its Best!

CITIZENS FIRST BANK

Sign in to your account Welcome back! Sign in to view status or complete next steps on your loan. BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. SOCIAL COMMUNITY GUIDELINES › CITIZENS FIRST BANK Citizens First Bank believes that its connection with its customers and potential customers is its greatest asset. Citizens First Bank proudly dedicates itself to providing exceptional customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships.To enhance our customer experience, it has engaged in the use of social media. SCHEDULE OF FEES › CITIZENS FIRST BANK Fee depends on style and number of checks ordered. Collection - domestic incoming/outgoing. $10.00. Collection - foreign incoming/outgoing. $25.00 (plus postage, handling and correspondent costs) Coupon collection. $7.00 per envelope. Currency/coin

(non-customer)

IDENTITY THEFT › CITIZENS FIRST BANK Identity Theft. Identity Theft is a serious crime in which someone steals your personal information and uses it without your permission. Incidents of Identity Theft are on the rise and can disrupt your finances, credit history and reputation. HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES Our commitment to core values drives us to provide extraordinary customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month. CHECKING › CITIZENS FIRST BANK $25 minimum balance to open; No minimum balance requirement; Earns interest on balances over $1,000; Free branded checks; Branded debit card with rewards 1; Free cashier's checks/money orders 2; Account holder may qualify for a loan discount 1 OPEN AN ACCOUNT › CITIZENS FIRST BANK Open an account wherever you are! Opening an account at Citizens First Bank has never been easier! With our simple and secure account opening tool, you can open a new Citizens First Bank account on any device in minutes. Just provide us with a few pieces of information and you’ll soon have access to Hometown Banking At Its Best!

CITIZENS FIRST BANK

Sign in to your account Welcome back! Sign in to view status or complete next steps on your loan. BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. SOCIAL COMMUNITY GUIDELINES › CITIZENS FIRST BANK Citizens First Bank believes that its connection with its customers and potential customers is its greatest asset. Citizens First Bank proudly dedicates itself to providing exceptional customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships.To enhance our customer experience, it has engaged in the use of social media. SCHEDULE OF FEES › CITIZENS FIRST BANK Fee depends on style and number of checks ordered. Collection - domestic incoming/outgoing. $10.00. Collection - foreign incoming/outgoing. $25.00 (plus postage, handling and correspondent costs) Coupon collection. $7.00 per envelope. Currency/coin

(non-customer)

IDENTITY THEFT › CITIZENS FIRST BANK Identity Theft. Identity Theft is a serious crime in which someone steals your personal information and uses it without your permission. Incidents of Identity Theft are on the rise and can disrupt your finances, credit history and reputation. MOBILE BANKING › CITIZENS FIRST BANK With our mobile banking apps for iPad®, iPhone® and Android™ smartphones, you have the freedom to: LOCATIONS › CITIZENS FIRST BANK Citizens First Bank customers can also use their ATM or debit card at any Publix Presto! ATM with no surcharges 1 or transaction fees 2.The Presto! ATM network has over 1,200 ATMs located throughout the Southeast, with over 800 locations in Florida. ABOUT US › CITIZENS FIRST BANK About Us. Citizens First Bank is a Bauer 5-star rated bank, founded in 1991 specifically to fill the needs of The Villages ® community and to conscientiously and joyously serve our residents in every way possible. Since that time, we have stayed committed to our Villages residents and have expanded to serve Leesburg, Fruitland Park, Ocala,

and

CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. DEBIT CARDS › CITIZENS FIRST BANK Citizens First personal debit cards have the following benefits: The Citizens First Bank Debit Card bears the Mastercard ® logo and is accepted at millions of locations around the world; There is HELPFUL VIDEOS › CITIZENS FIRST BANK How to Set Up Apple Pay ® for Debit Cards . How to Set Up Samsung Pay for Debit Cards How to Set Up Card Control for iOS ® WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank. SOCIAL COMMUNITY GUIDELINES › CITIZENS FIRST BANK Citizens First Bank believes that its connection with its customers and potential customers is its greatest asset. Citizens First Bank proudly dedicates itself to providing exceptional customer service, convenient and welcoming branches, beneficial technology, and most importantly, lifelong relationships.To enhance our customer experience, it has engaged in the use of social media. IDENTITY THEFT › CITIZENS FIRST BANK Identity Theft. Identity Theft is a serious crime in which someone steals your personal information and uses it without your permission. Incidents of Identity Theft are on the rise and can disrupt your finances, credit history and reputation. TERMS OF USE › CITIZENS FIRST BANK The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank makes no warranty, whether express or implied, including without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES The My Money Program, created by the Florida Department of Financial Services, is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members, and caregivers. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. LOCATIONS › CITIZENS FIRST BANK Citizens First Bank customers can also use their ATM or debit card at any Publix Presto! ATM with no surcharges 1 or transaction fees 2.The Presto! ATM network has over 1,200 ATMs located throughout the Southeast, with over 800 locations in Florida. HELPFUL VIDEOS › CITIZENS FIRST BANK How to Set Up Apple Pay ® for Debit Cards . How to Set Up Samsung Pay for Debit Cards How to Set Up Card Control for iOS ® CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge MORTGAGE LENDING › CITIZENS FIRST BANK Mortgage Lending. Whether you are buying your first home, refinancing your existing home or preparing for your retirement home, our experienced lenders can assist you in choosing the right loan product. We take pride in providing education and guidance to achieve the individual goals of each of our customers. WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank.

CITIZENS FIRST BANK

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HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES The My Money Program, created by the Florida Department of Financial Services, is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members, and caregivers. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. LOCATIONS › CITIZENS FIRST BANK Citizens First Bank customers can also use their ATM or debit card at any Publix Presto! ATM with no surcharges 1 or transaction fees 2.The Presto! ATM network has over 1,200 ATMs located throughout the Southeast, with over 800 locations in Florida. HELPFUL VIDEOS › CITIZENS FIRST BANK How to Set Up Apple Pay ® for Debit Cards . How to Set Up Samsung Pay for Debit Cards How to Set Up Card Control for iOS ® CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge MORTGAGE LENDING › CITIZENS FIRST BANK Mortgage Lending. Whether you are buying your first home, refinancing your existing home or preparing for your retirement home, our experienced lenders can assist you in choosing the right loan product. We take pride in providing education and guidance to achieve the individual goals of each of our customers. WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank.

CITIZENS FIRST BANK

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CHECKING › CITIZENS FIRST BANK $25 minimum balance to open; No minimum balance requirement; Earns interest on balances over $1,000; Free branded checks; Branded debit card with rewards 1; Free cashier's checks/money orders 2; Account holder may qualify for a loan discount 1 OPEN AN ACCOUNT › CITIZENS FIRST BANK Open an account wherever you are! Opening an account at Citizens First Bank has never been easier! With our simple and secure account opening tool, you can open a new Citizens First Bank account on any device in minutes. Just provide us with a few pieces of information and you’ll soon have access to Hometown Banking At Its Best! CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. DEBIT CARDS › CITIZENS FIRST BANK Citizens First personal debit cards have the following benefits: The Citizens First Bank Debit Card bears the Mastercard ® logo and is accepted at millions of locations around the world; There is MOBILE BANKING › CITIZENS FIRST BANK With our mobile banking apps for iPad®, iPhone® and Android™ smartphones, you have the freedom to: BUSINESS EBANKING › CITIZENS FIRST BANK We’ve made it safer and easier for you to delegate financial management tasks within Business eBanking. Now you can share your business account access with designated employees – allowing you to focus on your business with peace of mind. ABOUT US › CITIZENS FIRST BANK Citizens First Bank is a Bauer 5-star rated bank, founded in 1991 specifically to fill the needs of The Villages ® community and to conscientiously and joyously serve our residents in every way possible. Since that time, we have stayed committed to our Villages residents and have expanded to serve Leesburg, Fruitland Park, Ocala, and other surrounding communities. DEPOSIT RATES › CITIZENS FIRST BANK Initial Deposit to Open Daily Account Balance Annual Percentage Yield (APY)* $2,500.00: $0- $9,999.99: 0.05%: $2,500.00: $10,000.00 - $49,999.99: 0.05%: $2,500.00 CONSUMER LENDING › CITIZENS FIRST BANK Golf car access is an important part of living in our community and for many, it’s as necessary as owning an automobile. A new or used golf car loan will allow you to own the golf car that is just right for you whether you are looking for a standard car or one with features as individualized as you. TERMS OF USE › CITIZENS FIRST BANK The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank makes no warranty, whether express or implied, including without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES The My Money Program, created by the Florida Department of Financial Services, is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members, and caregivers. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. LOCATIONS › CITIZENS FIRST BANK Citizens First Bank customers can also use their ATM or debit card at any Publix Presto! ATM with no surcharges 1 or transaction fees 2.The Presto! ATM network has over 1,200 ATMs located throughout the Southeast, with over 800 locations in Florida. HELPFUL VIDEOS › CITIZENS FIRST BANK How to Set Up Apple Pay ® for Debit Cards . How to Set Up Samsung Pay for Debit Cards How to Set Up Card Control for iOS ® CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. BUSINESS CHECKING › CITIZENS FIRST BANK $3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge; $13 monthly maintenance charge MORTGAGE LENDING › CITIZENS FIRST BANK Mortgage Lending. Whether you are buying your first home, refinancing your existing home or preparing for your retirement home, our experienced lenders can assist you in choosing the right loan product. We take pride in providing education and guidance to achieve the individual goals of each of our customers. WEALTH MANAGEMENT › CITIZENS FIRST BANK *Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.Citizens First Wealth Advisors is a trade name of Citizens First Bank.

CITIZENS FIRST BANK

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HOME › CITIZENS FIRST BANKLOGINPERSONALWEALTHSOCIAL COMMUNITY GUIDELINESMERCHANT SERVICESINTERNATIONAL SERVICES The My Money Program, created by the Florida Department of Financial Services, is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members, and caregivers. SAVINGS › CITIZENS FIRST BANK *Transfers to another account, or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to 6 per month. CHECKING › CITIZENS FIRST BANK All of our checking accounts include: Free Online Banking with Bill Pay, Free Mobile Banking with Mobile Deposit, and Free eStatements. LOCATIONS › CITIZENS FIRST BANK Citizens First Bank customers can also use their ATM or debit card at any Publix Presto! ATM with no surcharges 1 or transaction fees 2.The Presto! ATM network has over 1,200 ATMs located throughout the Southeast, with over 800 locations in Florida. CHECKING › CITIZENS FIRST BANK $25 minimum balance to open; No minimum balance requirement; Earns interest on balances over $1,000; Free branded checks; Branded debit card with rewards 1; Free cashier's checks/money orders 2; Account holder may qualify for a loan discount 1 OPEN AN ACCOUNT › CITIZENS FIRST BANK Open an account wherever you are! Opening an account at Citizens First Bank has never been easier! With our simple and secure account opening tool, you can open a new Citizens First Bank account on any device in minutes. Just provide us with a few pieces of information and you’ll soon have access to Hometown Banking At Its Best! CREDIT CARDS › CITIZENS FIRST BANK *See the card application's Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A. DEBIT CARDS › CITIZENS FIRST BANK Citizens First personal debit cards have the following benefits: The Citizens First Bank Debit Card bears the Mastercard ® logo and is accepted at millions of locations around the world; There is MOBILE BANKING › CITIZENS FIRST BANK With our mobile banking apps for iPad®, iPhone® and Android™ smartphones, you have the freedom to: BUSINESS EBANKING › CITIZENS FIRST BANK We’ve made it safer and easier for you to delegate financial management tasks within Business eBanking. Now you can share your business account access with designated employees – allowing you to focus on your business with peace of mind. ABOUT US › CITIZENS FIRST BANK Citizens First Bank is a Bauer 5-star rated bank, founded in 1991 specifically to fill the needs of The Villages ® community and to conscientiously and joyously serve our residents in every way possible. Since that time, we have stayed committed to our Villages residents and have expanded to serve Leesburg, Fruitland Park, Ocala, and other surrounding communities. DEPOSIT RATES › CITIZENS FIRST BANK Initial Deposit to Open Daily Account Balance Annual Percentage Yield (APY)* $2,500.00: $0- $9,999.99: 0.05%: $2,500.00: $10,000.00 - $49,999.99: 0.05%: $2,500.00 CONSUMER LENDING › CITIZENS FIRST BANK Golf car access is an important part of living in our community and for many, it’s as necessary as owning an automobile. A new or used golf car loan will allow you to own the golf car that is just right for you whether you are looking for a standard car or one with features as individualized as you. TERMS OF USE › CITIZENS FIRST BANK The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank makes no warranty, whether express or implied, including without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the

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