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C&N Corporate Profile

Citizens & Northern Corporation

Citizens & Northern Corporation is a bank holding company with assets exceeding $1.2 billion and is headquartered in Wellsboro, PA. Banking services are provided by its subsidiary, Citizens & Northern Bank, from 26 banking offices in Bradford, Cameron, Lycoming, McKean, Potter, Sullivan and Tioga Counties in Pennsylvania and Steuben County in New York and a loan production office in Elmira, New York.

Investment products are offered through C&N Investment Services and insurance products are offered through C&N Financial Services Corp. Trust services are offered by Citizens & Northern Bank through the C&N Trust and Financial Management Group.

Citizens & Northern Corporation stock trades on the NASDAQ Capital Market Securities under the symbol CZNC.

Citizens & Northern Bank

Founded in 1864 as The First National Bank of Wellsborough, C&N is a full-service financial institution with branch offices in the eight counties listed above. From the very beginning, C&N has been committed to the businesses and families in our local communities. C&N has been instrumental in helping those communities thrive by providing needed funding for growth and contributing to local charities which share C&N’s mission to enhance the lives of our neighbors in the communities we serve.

Citizens & Northern Bank was formed October 1, 1971, following the consolidation of Northern National Bank of Wellsboro and Citizens National Bank of Towanda.

Annual Meeting

The Annual Meeting of shareholders is held each April. All shareholders entitled to vote at the meeting will receive a proxy statement and card prior to the April meeting. The proxy materials will contain the business to be considered, and a notice of the time and place of the meeting.