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Since November 14, 2007, Citizens Financial Corporation (the “Company”) has not been required to file with the Securities and Exchange Commission. The company does not currently publish financial reports.

Life Insurance Subsidiary
Citizens Security Life Insurance Company (“Citizens Security”) is required to file quarterly and annual financial statements that have been prepared in conformity with statutory accounting practices (“SAP”) with the Kentucky Department of Insurance and other regulatory agencies. SAP differs in certain significant respects from the basis of accounting principles generally accepted in the United States ("GAAP"). SAP quarterly and annual financial statements are available under DOCUMENTS.

 
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