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Exhibit 12.A9
INSTRUCTION SHEET
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Shareholders who hold their own stock certificate(s) and wish to tender shares
must:
o Completely fill out the Letter of Transmittal (blue document). If you want
to tender your shares at more than one price, then you must complete a
separate Letter of Transmittal for each price. You cannot, however, tender
the same stock at different prices. Please make additional copies of the
Letter of Transmittal if you need them.
o FOR THE TENDER TO BE VALID, A PRICE BOX OR THE BOX INDICATING THAT THE
SHARES ARE BEING TENDERED AT THE PURCHASE PRICE DETERMINED BY THE COMPANY
MUST BE CHECKED ON THE LETTER OF TRANSMITTAL (blue document).
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o Send stock certificate(s) along with Letter of Transmittal to Registrar and
Transfer Company (the "Depositary") at the address on the back cover of the
Offer to Purchase (white booklet) and NOT to Citizens First Financial Corp.
o Odd Lot Holders (holders of fewer than 100 shares) must complete the box
captioned "Odd Lots" on the Letter of Transmittal (blue document).
o If a shareholder wishes to tender shares but will not have access to the
stock certificate(s) by the Expiration Date, the tender can still be made
by completely filling out the Letter of Transmittal (blue document), and
the Notice of Guaranteed Delivery (gray document).
o Complete the Substitute Form W-9 on the Letter of Transmittal (blue
document) to prevent the withholding of 31% of your gross payments.
o Signatures need not be guaranteed if being signed by the registered
holder(s) of the shares.
Shareholders who do not hold their stock certificate(s) (held by broker) and
wish to tender shares must:
o Contact your broker to coordinate the completion of the appropriate
documents.
INSTRUCTIONS FOR BROKERS:
o Completely fill out the Letter of Transmittal (blue document). If you want
to tender your shares at more than one price, then you must complete a
separate Letter of Transmittal for each price. Please make additional
copies of the Letter of Transmittal if you need them.
o FOR THE TENDER TO BE VALID, A PRICE BOX OR THE BOX INDICATING THAT THE
SHARES ARE BEING TENDERED AT THE PURCHASE PRICE DETERMINED BY THE COMPANY
MUST BE CHECKED ON THE LETTER OF TRANSMITTAL (blue document).
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o Contact your broker and have the broker deliver your Shares pursuant to the
procedures for book-entry transfer as described in Section 3 of the Offer
to Purchase, along with the Letter of Transmittal to the Depositary at the
address on the back cover of the Offer to Purchase (white booklet) and NOT
to Citizens First Financial Corp.
o If a shareholder wishes to tender shares but will not have access to the
stock certificate(s) by the Expiration Date, the tender can still be made
by completely filling out the Letter of Transmittal (blue document), and
the Notice of Guaranteed Delivery (gray document).
o Complete the Substitute Form W-9 on the Letter of Transmittal (blue
document) to prevent the withholding of 31% of your gross payments.
o Signatures need not be guaranteed if being signed by the registered
holder(s) of the shares.
FOR MORE INFORMATION, A HELPFUL QUESTIONS & ANSWERS BROCHURE IS INCLUDED IN THIS
MATERIAL. IF YOU STILL HAVE QUESTIONS REGARDING THIS TENDER OFFER, INCLUDING HOW
TO COMPLETE THE NECESSARY FORMS, PLEASE CALL TOLL FREE AT (800) 635-6860.
