Operator

Hello, and welcome to the Citizens & Northern Corporation Annual Shareholders Meeting. Please note that this meeting is being recorded. [Operator Instructions]

Terry Lehman

Welcome to the 38th Annual Meeting of Shareholders of Citizens & Northern Corporation. As mentioned, shareholders who have logged in using their control number may ask questions at any time during the meeting. Shareholders who logged in as a guest will not be able to ask questions. [Operator Instructions] I will now call the meeting to order.

My name is Terry Lehman, Board Chair. I also Chair the Risk Committee and the M&A Committee and a member of the Audit and Compensation Committees. I have been appointed by the Board of Directors to be Chair of this Annual Meeting of Shareholders. Glenn James has similarly been appointed Secretary of this meeting. Glenn serves as General Counsel and Corporate Secretary for Citizens & Northern Corporation. I now ask the Secretary to present the affidavit of mailing of notice of the meeting and proxy statement.

Glenn James
Corporate Secretary

Mr. Chairman, as set forth in the affidavit, the notice of meeting and the proxy statement were mailed to shareholders on March 13, 2026.

Terry Lehman

Proper notice of this meeting having been given, the order of business will be: one, introductions of the directors; two, voting on the 3 proposals set out in the meeting notice; three, President's remarks; and four, questions and answers.

Now I would like to introduce our Board of Directors. The Board is very engaged throughout the year and has solid committee leadership. Brad Scovill, President and member of the Risk and M&A Committees; Frank Pellegrino, Wealth