Citizens Financial Services, Inc. Annual Meeting2019     

 Agenda  Recap:2018 Accomplishments 

 Agenda  Recap:2018 AccomplishmentsFinancial Performance 

 Agenda  Recap:2018 AccomplishmentsFinancial PerformanceWhat is on the Horizon 

 2018 Accomplishments  Voted #1 Bank in PA 

 2018 Accomplishments  Voted #1 Bank in PAOpened abranch in Fivepointville, PA 

 2018 Accomplishments  Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiative 

 2018 Accomplishments  Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platform 

 2018 Accomplishments  Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPay 

 2018 Accomplishments  Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth Pillar 

 2018 Accomplishments  Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth PillarRefined processes and procedures 

 2018 Accomplishments  Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth PillarRefined processes and proceduresNamed as one of the top 100 Ag Lenders 

   2018 Financial Performance 

 Efficiency Ratio History-FCCB  Finished in the 100th percentile compared to the CZFS peer group 

 Return on Equity History  Finished in the 87th percentile compared to the CZFS peer group 

 Return on Assets History  Finished in the 87th percentile compared to the CZFS peer group 

 Cash Dividends Paid History  1% stock dividend paid in 2014, 2016 & 2018, and a 5% stock dividend paid in 2017 

 Stock Total Return          

   20   4 Strategic Tenets  Community – actively supporting the well-being of communities   Customer Expectations – exceeding them at every point of contact     Financial Performance – to produce exceptional shareholder value   Growth – achieved throughrelationship and geographic expansion 

 What is on the Horizon  Strategies for 2019:Market Segmentation for Growth 

 What is on the Horizon  Strategies for 2019:Market Segmentation for GrowthEnhanced Employee Experience 

 What is on the Horizon  Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and Support 

 What is on the Horizon  Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and SupportCustomer Experience and Brand 

 What is on the Horizon  Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and SupportCustomer Experience and BrandFinancial Future 

 What is on the Horizon  Employee Experience: 

 What is on the Horizon  Employee Experience:Onboarding 

 What is on the Horizon  Employee Experience:OnboardingCareer Pathing & Advancement 

 What is on the Horizon  Employee Experience:OnboardingCareer Pathing & AdvancementCoaching Culture 

 What is on the Horizon  Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRIS 

 What is on the Horizon  Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational Values 

 What is on the Horizon  Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational ValuesIn-House Talent / Next Generation TEAM 

 What is on the Horizon  Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational ValuesIn-House Talent / Next Generation TEAMHire to Retire 

 What is on the Horizon  Customer Experience: 

 What is on the Horizon  Customer Experience:Standardizing Cut-Off Time 

 What is on the Horizon  Customer Experience:Standardizing Cut-Off TimeImprove Account Opening Experience 

 What is on the Horizon  Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account Opening 

 What is on the Horizon  Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account OpeningOnline Mortgage Pre-Approvals 

 What is on the Horizon  Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account OpeningOnline Mortgage Pre-ApprovalsMobile Mortgage Applications 

 Retiring TEAM Members  Phil Vaughn – 28 Years of Service 

 Retiring TEAM Members  Terry Osborne – 44 Years of Service 

 Retiring TEAM Members  Rudy van der Hiel – 44 Years of Service 

     Thank you