C&N | Vantage Point

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for April 2026. 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.

C&N Chief Investment Strategist Philip Prough examines our markets & portfolio positioning for March 2026. 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.

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for February 2026. 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for January 2026. 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.

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.

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.

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.

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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for August 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.

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for June 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for June 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.

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for May 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for April 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for March 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.

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for February 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for January 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for December 2024. 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for November 2024. 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for October 2024. 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.

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for September 2024. 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for August 2024. 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.

C&N Investment Officer Cory Bohler examines our markets and portfolio positioning for July 2024. 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for June 2024. 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for May 2024. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for April 2024. 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for March 2024. 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.

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for February 2024. 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.

C&N Investment Strategist Jay Over examines our markets and portfolio positioning for January 2024. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for December 2023. 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.

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for November 2023. 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.

C&N Senior Investment Officer Craig Morgenstern examines our markets and portfolio positioning for October 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for September 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for August 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for July 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for June 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for May 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for April 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for March 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for February 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for January 2023. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for December 2022. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for November 2022. 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.

C&N Chief Investment Strategist Philip Prough examines our markets and portfolio positioning for October 2022. 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.