DISCLAIMER
Please read these terms and conditions carefully.  By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site or any pages thereof.

COPYRIGHT © Citizens First Bank. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Citizens First Bank unless otherwise indicated.

USE OF INFORMATION AND MATERIALS
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Citizens First Bank's web sites and systems including but not limited to unauthorized entry into Citizens First Bank's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Citizens First Bank. Investment services are not bank deposits or insured by the FDIC or other entity, and are subject to investment risks, including possible loss of principal amount invested.

LINKS.
This site may contain links to web sites controlled or offered by third parties (non-affiliates of Citizens First Bank).  Citizens First Bank hereby disclaims liability for, any  information, materials, products, or services posted or offered at any of the third party sites linked to this web site.  By creating a link to a third party web site, Citizens First Bank does not endorse or recommend any products or services offered or information contained in that web site, not is Citizens First Bank liable for any failure of products or services offered or advertised on those sites.  Such third party may have a privacy policy different from that of Citizens First Bank ad the third party website may provide less security than the Citizens First Bank site.

NO WARRANTY.
The information and materials contained in this site, including text, graphics, links, or other items are provided 'as is,' 'as available.'  Citizens First Bank does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials.  no warranty of any kind, implied, expressed, or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness, for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

LIMITATION OF LIABILITY.
In no event will Citizens First Bank be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Citizens First Bank, or representative thereof, are advised of the possibility of such damages, losses, or expenses.

SUBMISSIONS.
All information submitted to Citizens First Bank via this site shall be deemed and remain the property of Citizens First Bank and Citizens First Bank shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Citizens First Bank through this site. Citizens First Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Citizens First Bank entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing 's responsibilities and obligations to customers in accordance with the Citizens First Bank's Privacy Statement.

AVAILABILITY
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

ADDITIONAL TERMS
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

GOVERNING LAW
Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of West Virginia .