Citizens Financial Services (CZFS) Proxy Filing summary

Executive summary

• Annual meeting scheduled for April 21, 2026, at 10:00 a.m. ET in Wellsboro, Pennsylvania.

• Shareholders are invited to vote on key proposals, including director elections and executive compensation.

Voting matters and shareholder proposals

• Election of five Class 3 director nominees: Randall E. Black, Joseph B. Bower, Jr., Rinaldo A. DePaola, Janie M. Hilfiger, and Mickey L. Jones.

• Ratification of S.R. Snodgrass, P.C. as independent auditor for fiscal year ending December 31, 2026.

• Approval of the 2026 Equity Incentive Plan.

• Advisory vote on executive compensation (say-on-pay).

Board of directors and corporate governance

• Board recommends voting in favor of all director nominees and proposals.