C&N | Vantage Point

January 2026 | Vantage Point

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for October 2022. To learn more, visit www.cnbankpa.com Past performance does not guarantee future results. Some products are not FDIC insured or guaranteed, not a deposit or other obligation of the bank, not guaranteed by the bank, and are subject to investment risk, including the possible loss of the principal amount invested and are not insured by any other federal government agency. All information is believed to be from reliable sources; however, we make no representation to its completeness or accuracy. The views should not be construed as investment, tax or legal advice. Opinions expressed are subject to change without notice.

December 2025 | Vantage Point

C&N Senior Investment Assistant Monica Fox examines our markets and portfolio positioning for December 2025. Past performance does not guarantee future results. Some products are not FDIC insured or guaranteed, not a deposit or other obligation of the bank, not guaranteed by the bank, and are subject to investment risk, including the possible loss of the principal amount invested and are not insured by any other federal government agency. All information is believed to be from reliable sources; however, we make no representation to its completeness or accuracy. The views should not be construed as investment, tax or legal advice. Opinions expressed are subject to change without notice.

November 2025 | Vantage Point

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for November 2025. Past performance does not guarantee future results. Some products are not FDIC insured or guaranteed, not a deposit or other obligation of the bank, not guaranteed by the bank, and are subject to investment risk, including the possible loss of the principal amount invested and are not insured by any other federal government agency. All information is believed to be from reliable sources; however, we make no representation to its completeness or accuracy. The views should not be construed as investment, tax or legal advice. Opinions expressed are subject to change without notice.

October 2025 | Vantage Point

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for October 2025. Past performance does not guarantee future results. Some products are not FDIC insured or guaranteed, not a deposit or other obligation of the bank, not guaranteed by the bank, and are subject to investment risk, including the possible loss of the principal amount invested and are not insured by any other federal government agency. All information is believed to be from reliable sources; however, we make no representation to its completeness or accuracy. The views should not be construed as investment, tax or legal advice. Opinions expressed are subject to change without notice.

September 2025 | Vantage Point

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for September 2025. Past performance does not guarantee future results. Some products are not FDIC insured or guaranteed, not a deposit or other obligation of the bank, not guaranteed by the bank, and are subject to investment risk, including the possible loss of the principal amount invested and are not insured by any other federal government agency. All information is believed to be from reliable sources; however, we make no representation to its completeness or accuracy. The views should not be construed as investment, tax or legal advice. Opinions expressed are subject to change without notice.