Citizens & Northern Corp Common Stock

Citizens & Northern Corp. is a holding company, which engages in community banking. The company is headquartered in Wellsboro, Pennsylvania and currently employs 460 full-time employees. The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. The company also provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a subsidiary of the Bank, is an insurance agency that provides insurance products to individuals and businesses and, through a broker-dealer arrangement, offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Bank operates in Bradford, Cameron, Lycoming, Potter, Sullivan, Tioga, Union, Snyder, Northumberland, Bucks, York, Lancaster and Chester Counties in Pennsylvania and Steuben and Chemung Counties in New York.