This is your go-to reference for the Susquehanna and C&N integration.
WELCOME TO
SUSQUEHANNA COMMUNITY BANK WILL BECOME C&N ON DECEMBER 8, 2025.
TABLE OF CONTENTS
The C&N Story
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Key Dates
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Dear Susquehanna Community Bank Customer, I’d like to thank you for being a loyal customer of Susquehanna Community Bank. Your support and partnership helped SCB grow to be a vital part of the local communities and the greater Susquehanna Valley region. Today, C&N is thrilled to welcome SCB and each of its customers to the C&N family. As a valued customer, we know that you’re accustomed to ‘a better banking experience.’ Now that we are C&N, you have my personal promise that this level of service will not only be met but will be exceeded by the C&N team. Your banking team is now equipped to provide even more resources, technology and expertise that’s tailored to meet your needs and achieve your life’s goals. This book is designed to guide you through this important transition and ease your mind with detailed information about C&N and the services available to you. It provides answers to your questions around account numbers, direct payments and direct deposits, debit cards, loan payments, digital banking and more. Once again, welcome to C&N. We look forward to being your bank for a lifetime. Sincerely,
Merger Transition Checklist
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Q&A
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- Personal Banking
- Convenience Services
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- Business Banking Looking Forward Connect With Us
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PART II: Notices&Disclosures
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When you see this symbol throughout this book, it will be your cue that your action is required.
Brad Scovill President and CEO
STAY IN THE KNOW We’re here to make your move from Susquehanna Community Bank to C&N as easy as possible. For the most current information about your account transition, visit our Welcome Page or scan the QR code. There you can:
• Get real-time updates on important dates and changes • Ask questions directly and see answers to common topics • Find helpful tips to make the switch smooth and secure Prefer a personal touch?
Call our team at 570.568.6851 or visit page 25 for more options to connect with us. Our friendly team is ready to answer your questions and guide you every step of the way.
KEY DATES INFORMATION
WORLD CLASS BANKING MORE Welcome to C&N, your community friend for world class banking. We know earning money can be hard, but we don’t think trusting who protects it should be. Trust is priceless. But just like your money, it has to be earned. And no bank takes that more seriously than C&N. Whether you enter through our doors or our technology, you will meet excellence. From our complete financial services to our deep experience to our honestly caring people, we are personally invested in you no matter how much you are financially invested in us. After all, your goals are our goals. Your success is our success. So why not make the journey together as easy as it can be? Yes, the world can be a little cold these days. Especially where your money is concerned. But we assure you there’s a place in your community where it’s always warm.
MONDAY, DECEMBER 1, 2025
• Bill pay payments and external transfers may be scheduled until 9:00 AM . • Bill pay will be unavailable until 9:00 AM Monday, December 8, 2025.
Bill Pay & External Transfers
Your Susquehanna Community Bank debit card will be replaced as follows: • December 3 - Your new C&N debit card should have arrived by now. • December 6 - Activate your new C&N debit card (works starting December 8). • December 7 - Last day your SCB debit card and existing PIN will work. • December 8 - Begin using your C&N debit card. Consumers: • At 5:00 PM , online, mobile and telephone banking will be permanently disabled. • Access resumes Monday, December 8, 2025 at 9:00 AM at cnbankpa.com, the C&N app, or via telephone banking (570.724.3000 or 877.622.5526). Businesses: • At 5:00 PM , SCB business online banking access will end (including access to mobile deposit, remote deposit capture, ACH & business mobile banking. • Access resumes Monday, December 8, 2025 at 9:00 AM at cnbankpa.com, the C&N app.
WEDNESDAY, DECEMBER 3, 2025
C&N Visa ® Debit Cards
Digital & Telephone Banking
FRIDAY, DECEMBER 5, 2025
• Available until 2:00 PM on Friday, December 5, 2025 . • Resumes Monday, December 8, 2025 at 9:00 AM .
Mobile Deposit
• All branch locations closed. • Client Care Center available 8:00 AM–12:00 PM at 877.838.2517 .
Branch Locations
SATURDAY, DECEMBER 6, 2025 MONDAY, DECEMBER 8, 2025
ATMs
• ATMs remain available throughout conversion weekend.
• All systems and offices available during regular hours. • For any questions or concerns, connect with us at 570.568.6851 .
Welcome to C&N
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Merger Transition Checklist Key Dates & Actions for a Smooth Changeover As Susquehanna Community Bank becomes C&N, use this checklist to stay on track. Use these dates & key actions as a starting point to keep your banking seamless.
Welcome to C&N Checklist
NOTES:
DECEMBER 8 Begin using your C&N debit card. Your SCB card will no longer work. Access your account at cnbankpa.com or in the C&N app using your SCB username and password. This must be completed by December 18. Review recurring payments (e.g., bill pay, external transfers) to confirm they carried over correctly. DECEMBER 6 Activate your new C&N debit card. It will not work until December 8. Prepare for SCB digital banking to be unavailable after 5 PM on Friday, Dec. 5. Access via C&N on Monday, Dec. 8. If you're a Quicken ® /QuickBooks ® user note action items on page 9 & 18. GOING FORWARD When it’s time to order new checks or set up new automatic payments or a direct deposit, use the C&N routing number 031308302. DECEMBER 18 If you haven't logged in by this date, contact us to reactivate your access. DECEMBER 8 (BUSINESS CLIENTS ONLY) Begin accessing remote deposit capture through your digital banking. BEFORE DECEMBER 5 Take time to review this booklet. Use the space on the right to record notes that will make your transition easier. Your new C&N debit card should have arrived. If it hasn’t, please call 570.568.6851. Download & save past SCB e-statements (not accessible after December 5).
CHESTER ROBINSON
__________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ __________________________________
JL ROBINSON
When it comes to banking in Pennsylvania, it doesn’t get more solid than C&N. In fact, we’ve been serving communities in Pennsylvania since 1864. Founded as The First National Bank of Wellsborough and growing every year since, C&N is now a full-service financial institution with offices in Pennsylvania and New York.
From the very beginning, C&N has been committed to helping local communities thrive through personal relationships. You&C&N. C&N&You. It’s just the way things work. Together with our customers, hand-in-hand through generation after generation, we’ve helped make life a bit easier with financial services and expertise that guide you through each stage of life.
CHESTER & JL ROBINSON FOUNDERS 1864
DOWNLOAD OUR APP Download the C&N mobile banking app to get the best digital banking experience. Visit your phone's app store and search for C&N or scan the QR code.
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UPS DOWNS LAUGHTER TEARS EXCITEMENT HOPE From births to graduation to college to business to marriage to new car to new home to estate planning and retirement, C&N is here to help you.
GENERAL What changes can I expect?
Changes to the names, features and benefits of accounts and services are described in this book. It is important that you review this information thoroughly and contact your local office with any questions. For more information on C&N, please visit cnbankpa.com. When will I officially become a C&N customer? Susquehanna Community Bank legally became C&N on October 1, 2025. On December 8, 2025, you will have access to C&N's suite of products and services. Is there anything I need to do right now? Any item marked with the AR ACTION REQUIRED symbol throughout this book indicates that you need to take action. Will C&N deposits be FDIC insured after the conversion? Yes. All deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs) are covered by FDIC insurance. The standard insurance coverage amount is $250,000 per depositor; per insured bank, for each account ownership category. FDIC insurance does not cover other financial products and services that we may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. If you already have accounts at C&N and are concerned about your coverage you may utilize FDIC's free calculator at https://edie.fdic.gov or contact our Client Care Center to assist you with the calculation. Will branches be open during conversion? Branches will be open regular business hours on Friday, December 5, and will be closed on Saturday, December 6. The branches will reopen for normal business hours on Monday, December 8. Will I receive end-of-year tax reporting from both banks? No, you will only receive one year-end tax statement (per IRS form type) from C&N that reports for the full year. After reading this book, what should I do if I still have questions? You are welcome to call whomever you would normally call as a Susquehanna Community Bank customer , your relationship manager will be happy to answer your questions. You can also call 570 . 568 . 6851 or your local office to chat through conversion questions and concerns. After December 8, all SCB branch office phone numbers will automatically route to our C&N Client Care Center team who have proudly been serving C&N customers for nearly 20 years.
PERSONAL BANK
BUSINESS BANK Checking Business Services
Checking Accounts Savings Accounts Health Savings Accounts
Business Money Market Online & Mobile Solutions Merchant Services
Education Savings Accounts Certificates of Deposit (CDs) Individual Retirement Accounts (IRAs) Online & Mobile Solutions Overdraft Options Safe Deposit Boxes
BORROW Term Loans Credit Cards
Construction Loans & More Like-Kind Exchange Services Lines of Credit Lending Resources Small Business Loans Agricultural Loans
BORROW Mortgages Personal Loans Credit Cards Auto & RV Loans Home Equity
INVEST Retirement Plans
INVEST Investment Management Financial & Tax Planning Services IRA & Retirement Plans Trusts & Fiduciary Services
Non-Profit & Charitable Services Financial & Tax Planning Services
INSURE Group Plans
Mineral Management Scholarships & Grants Brokerage Services
STAY IN THE KNOW We’re here to make your move from Susquehanna Community Bank to C&N as easy as possible. For the most current information about your account transition, visit our Welcome Page or scan the QR code. There you can:
PROTECT Insurance Estate Planning Trusts & Fiduciary Services
• Get real-time updates on important dates and changes. • Ask questions directly and see answers to common topics. • Find helpful tips to make the switch smooth and secure. Prefer a personal touch?
Today, we are poised to continue expansion across Pennsylvania and beyond, bringing personalized financial expertise to our communities. Our mission is unwavering: to create value through lifelong relationships. And we’re proud that you’re with us. You&C&N.
We welcome you to connect with us at 570.568.6851. On December 8, that number will ring our C&N Client Care Center. We’re ready to answer your questions and guide you every step of the way.
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PERSONAL BANKING – Checking & ATM/Debit Cards Will my checking account number change? No your account number will remain the same!
Will C&N continue to offer the IDProtect service that came with my checking account at Susquehanna Community Bank? Protecting our customers is a top priority at SCB and C&N. IDProtect service offered by Econ-O-Check is being terminated. However, a comparable service from a different vendor will be provided to you in its place. In the near future, a separate communication will be sent out to all customers who received IDProtect with their SCB checking account to provide additional details on this new benefit you will have available to you. I connect my accounts to QuickBooks ® /Quicken ® . What do I need to do to avoid disruptions? To keep your QuickBooks connection running smoothly, there are two important steps: • By December 5, 2025 – Back up your data file and download your final transactions. • On or after December 8, 2025 – Deactivate and then reactivate your online banking connection. This ensures your QuickBooks accounts reconnect properly under the new system. Check our website closer to conversion for more resources to help you avoid disruption. Yes, Overdraft Protection is offered upon request to consumers by linking a savings account, ready cash loan, or home equity line of credit to your checking account. This is considered your no-bounce account. If you have this set up on your account now with Susquehanna Community Bank, it will remain set up when your account converts to C&N on December 8, however, there will be changes to this service. Please refer to page 49 for more details on the changes. Does C&N offer Overdraft Privilege (ODP)? Yes, eligible accounts will automatically be enrolled in the Overdraft Privilege program (ODP) when the accounts convert on December 8. The following transactions are covered under our standard Overdraft Privilege program: checks, ACH-automatic debits, recurring debit card payments, online bill pay items and teller window transactions. The allowable dollar amount limit of how many daily overdraft fees per day you may receive is decreasing from $245.00 to $210.00. Please refer to page 49 to learn more about the rules of the ODP program, extended coverage for ATM transactions and everyday debit card transactions, along with the eligible account types and overdraft limits assigned to each account type. What is the difference between Overdraft Protection and Overdraft Privilege? Overdraft Protection will transfer funds from your linked savings account or line of credit in increments of $50 to your checking account to help prevent your account from becoming overdrawn. A $3 transfer fee is assessed to the savings or line of credit for each transfer. Overdraft Privilege is a pre-determined limit that is assigned based on the type of account you have. The limit allows your account to go into a negative balance up to the overdraft limit amount. If there are insufficient funds in your account a $35 overdraft item fee is assessed for each overdraft item paid and a $35 returned item fee is assessed if there are insufficient funds in your account to pay an item drawn on your account and the item is returned. The overdraft fees are included in the available overdraft limit. Deposits must be made to bring the account to a positive balance within 30 consecutive calendar days and must remain positive for a minimum period of 24 business hours to remain eligible for the Overdraft Privilege program. Please refer to page 49 to learn more about the rules of the ODP program. What if I don’t want Overdraft Privilege on my account? After December 8, you can choose to discontinue Overdraft Privilege in its entirety by contacting us in-person, at 570.568.6851 or e-mailing contactcn@cnbankpa.com. – Overdraft Coverage Options Does C&N offer Overdraft Protection? – Certificates of Deposit (CD) & Individual Retirement Accounts (IRAs) What will happen to my CD or IRA CD? You will keep the same term, interest rate and maturity date you had with Susquehanna Community Bank until your CD matures. What will happen when my CD or IRA CD matures? It will auto-renew into an existing term offered by C&N. You will receive an Advanced Maturity Notice approximately one month prior to the maturity date of your CD. This notice will provide the new CD term and maturity date. Customers have a 10-day grace period beginning on the maturity date to make changes to the CD.
What is C&N's Routing Number? C&N's routing number is 031308302. Will I need to order new checks?
After your account is converted to C&N's system the weekend of December 5, you can continue to use your Susquehanna Community Bank checks. Susquehanna Community Bank checks will be honored, even if presented for payment after the conversion. Once your current check supply runs out, we recommend that you place orders for new checks using C&N's routing number. Check printing fees may apply depending on your account and the style of checks you order. One of our experts will be happy to help you with your first check order with us. When I want to reorder checks or deposit slips, should I use the form that came with my Susquehanna Community Bank checks? You may continue to order checks from Susquehanna Community Bank's check vendor until your account converts to C&N's system the weekend of December 5. Once your current supply of checks run out, it is recommended that you place an order for new checks using C&N's routing number. Check printing fees may apply depending on your account and the style of checks you order. One of our experts will be happy to help you with your first check order with us. I currently order computer checks or use a check ordering service. Can I continue to do this? Yes, you may order checks through your preferred provider or C&N's. The choice is yours. Will I need to change my direct deposit or direct payment programs? The Susquehanna Community Bank routing number will be recognized for the payment of checks, direct deposits, auto payments, etc. for a period of time. After December 8, we recommend that you provide your new routing number to any vendor with which you have set up direct payments within 12 months. One of our experts will be happy to help you through this process. Will my debit card be affected? Your Susquehanna Community Bank debit card will be replaced as follows: • Wednesday, December 3 - Your new C&N debit card should have arrived by now. • Saturday, December 6 - Your new C&N debit card can be activated, but it will not work until Monday, December 8. • Sunday, December 7 - The last day your Susquehanna Community Bank debit card and existing PIN will work. • Monday, December 8 - Begin using your C&N debit card. It has a $3,000 per-day limit and an ATM limit of $500. Will I receive my checking account statement at the same time of the month as in the past? A printed Susquehanna Community Bank statement will be generated on Friday, December 5 and mailed to all customers. C&N statements are generated and mailed at each month-end, including the month of December 2025. Will I receive check images with my statements? Check images are available online to all customers enrolled in e-statements. Additional fees may apply for printed check images. See disclosures section starting on page 26. I currently have e-statements. Will I continue to receive them and will my past statements be available? If you are currently enrolled in e-statements, you will continue to receive your statements electronically. However, past statements will not be accessible after December 5. It is recommended that you download and save any statements you may need before that date and save them for your records. When will funds from deposits be available? Deposits made in cash, or through direct deposits, online banking transfers, text banking transfers, telephone transfers and wire transfer deposits will be available immediately. Check deposits are generally available on the business day following the day the deposit is considered received. Checks drawn on a C&N account deposited at a C&N branch will be available immediately. An uncollected funds fee of $35.00 will be charged if there are insufficient funds available to pay any item drawn on your account or if you receive cash in excess of available funds. Your available balance equals the account’s current balance minus any account holds. For further information regarding
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funds availability see our funds availability disclosure on page 45. When will my funds be available if I use mobile check deposit?
Deposits made before 5:00 PM Eastern time will be available the following business day. Any deposits submitted after 5:00 PM Eastern time will be posted the following business day and available the business day after that.
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PERSONAL BANKING continued
– Savings/Money Market Accounts Will my account numbers change? No, your account number will stay the same! Will I need to order new money market checks or deposit slips?
Will you still continue to handle my escrow account on my mortgage loan? Yes, if you currently have escrow setup to pay your property taxes and insurance, C&N will continue to manage your escrow account. Do I need to provide you with a copy of my property tax bill in order for it to be paid from my escrow account? No, you are not required to provide C&N with a copy of your property tax bills. C&N partners with a third-party tax service provider to obtain your county and school property tax information. How will my loan be reported to the credit bureaus? We will notify the credit bureaus that your loan is transferring from Susquehanna Community Bank to C&N. If you subscribe to a credit bureau monitoring service, this may generate a notification that a transaction was initiated by C&N. C&N does not utilize credit bureaus to report commercial loan activity. Will I still be able to use checks to access my home equity line of credit (HELOC)? Yes, C&N offers multiple convenient ways to draw on your HELOC: • C&N offers free HELOC checks (1 book of 20 checks) with our home equity line of credit accounts. Customers only pay for cost of expedited shipping, if they request it. • Transfer to your checking account using C&N's digital banking. • Connect with the Client Care Center at 570.568.6851 to transfer funds from your home equity line to your checking account. • Withdraw funds from your home equity line of credit by visiting your local C&N office. Do I need to sign new loan documents? No, your existing loan contract will automatically transfer to C&N. You do not need to take any action unless we contact you directly with specific instructions. Will my loan payment due date change? No, your due date will remain the same. Will I still receive monthly loan statements? Yes, you will continue to receive statements (by mail or electronically, depending on your existing preference settings). The format may change slightly, but the details will remain the same. Will my credit card work throughout conversion? Yes, any Susquehanna Community Bank credit card issued by TCM Bank, N.A. will not be interrupted and will continue to function per usual. Where do I go if I have questions about my loan? You can connect with us at 570.568.6851. What if I’m in the middle of applying for a loan? Any applications already in process with SCB will continue to be reviewed under the original terms.
You may continue to order checks from Susquehanna Community Bank's check vendor until the weekend of December 5. Once your current supply runs out, we recommend that you place new orders using C&N's routing number. C&N offers complimentary wallet style checks in a basic design on all money market accounts. One of our experts will be happy to help you with your first order with us. Will I receive my savings and money market account statements? C&N provides quarterly statements for savings and money market accounts unless there are electronic transactions on the account, in which case a monthly statement is provided. Will I be able to keep my All Purpose Club or Christmas Club account with C&N? Yes, with some minor changes. Please see the account conversion chart on page 14 for additional details. – Safe Deposit Boxes Will my safe deposit box be affected? Your safe deposit box will remain as is, however the fee schedule will be updated to reflect the schedule on page 27. Annual billing statements are mailed 15 days prior to the due date. – Loans & Mortgages Will my loan account number change? No, your loan number will stay the same! Will my rates change? No, all fixed rate loan rates will remain the same. For variable rate loans, rate changes will occur as listed in your Promissory Note. Will there be a change in how I make my loan payments? After December 8, you will make your loan payments using any of the following options: • By mail to PO Box 58, Wellsboro, PA 16901 • In person at your local C&N office • Online using C&N's digital banking, loan payment form option or Repay ® Payment Service • By calling the Client Care Center at 570.568.6851 My loan payment is automatically deducted from my SCB checking account. Will this service continue? Yes, your automatic loan payment(s) will continue uninterrupted. My loan payment is automatically deducted from an external bank account. Will this service continue? Yes, your automatic loan payment will continue uninterrupted for a period of time. We recommend that you provide your new routing number to your external bank after December 8 to avoid any possibility of disruption to your payments. Will I still be able to pay my loan bill using the Loan Payment Portal from SCB’s website homepage? As of December 8, you will be able to make your loan payments on C&N’s website using our Loan Payment Form option or our Repay ® Payment Service. If you used the Online Loan Payment Portal through SmartPay Biller Express ® to establish recurring payments, you will need to setup your new recurring payments on the C&N website. Will my Home Equity Line of Credit payments continue to be processed in the same manner? Yes, payments can be made directly to the line portion or the lock portion on your home equity line of credit. After December 8, a single payment to your overall home equity loan account is another option. Payments will be applied as follows: • First, the amount due on your home equity line will be satisfied. Then, amounts due on any lock loans will be satisfied in the order of the highest interest rate to the lowest interest rate. • After all current payments are satisfied, any additional money will be applied to the principal, first on the home equity line, then on any lock loans. If you’re interested in setting up automatic payments for this account, please connect with us and we’ll be glad to help.
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STAY SAFE FROM FRAUD DURING THE TRANSITION Fraudsters may try to take advantage of bank transitions to trick you. C&N will never: • Ask for your Secure Access Code (SAC), passwords, or PINs • Ask you to click a link to verify your account • Pressure you to move or withdraw money • Demand immediate action If you’re ever unsure: • Ask for the person’s name • Hang up • Call us at 570.568.6851 and ask to be reconnected We will never be upset that you verified our identity, your safety comes first.
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PERSONAL BANKING continued
On December 8, 2025, your account will be converted to a new C&N account. Please review the fee schedule on page 27 and your corresponding Truth in Savings Disclosure in the Notices & Disclosures section of this booklet located on pages 28 - 38 for information about what is changing for your account. This chart indicates to which C&N account type your Susquehanna Community Bank accounts will transition. To determine which account type you are currently in, you may review a recent SCB statement or contact your local branch. We are currently reviewing customer accounts to determine if another account may be a better fit for you. If we determine that to be the case, your relationship manager will be in contact with you. In the meantime, if you feel you’d be better suited for a different account than what’s listed in this chart, please feel free to review additional account types in the back of this booklet in pages 28 - 38 or review our website at cnbankpa.com. If you would like a different account type, please let us know and we’ll be happy to help.
NEW BALANCE TO AVOID MONTHLY SERVICE CHARGE
NEW MONTHLY SERVICE CHARGE 1
FORMER SCB ACCOUNT
OTHER ACCOUNT CHANGES
NEW OR CONTINUING FEATURES
NEW C&N ACCOUNT
INTEREST 2
• $2.00 excess fee per check/ withdrawal plus an $10.00 maintenance fee for all checks and withdrawals not made in person, by mail, or through an ATM that exceed 6 per calendar month. • $5 fee for accounts that become dormant after 732 days of customer inactivity. The fee is not charged if your account balance is $5,000.00 or more. • $2.00 per withdrawal charge is assessed on all withdrawals over 6 per calendar month, excluding automatic transfers and pre- authorized transfers within C&N Accounts. • $5 fee for accounts that become dormant after 732 days of customer inactivity. The fee is not charged if your account balance is $5,000.00 or more.
• Interest bearing account. 4 • Interest will be compounded and credited monthly. • Minimum daily collected balance of $1,000.00 is required to earn interest. Interest is paid for each day the collected balance meets or exceeds the minimum. • For non-cash items such as checks, interest is accrued no later than the business day we receive credit for the non-cash item. • Interest bearing account. 4 • Interest will be compounded and credited on calendar quarters (March 31, June 30, Sept 30, and Dec 31). • Minimum daily collected balance of $300.00 is required to earn interest. Interest is paid for each day the collected balance meets or exceeds the minimum. • For non-cash items such as checks, interest is accrued no later than the business day we receive credit for the non-cash item. • Interest bearing account. 4 • Interest will be compounded and credited on calendar quarters (March 31, June 30, Sept 30, and Dec 31). • Minimum daily collected balance of $0.01 is required to earn interest. Interest is paid for each day the collected balance meets or exceeds the minimum. • For non-cash items such as checks, interest is accrued no later than the business day we receive credit for the non-cash item.
NEW BALANCE TO AVOID MONTHLY SERVICE CHARGE
• Earn more than traditional savings accounts. • Includes wallet-style checks with a basic design. • Free digital banking • Free e-statements • Free mobile banking app
NEW MONTHLY SERVICE CHARGE 1
FORMER SCB ACCOUNT
OTHER ACCOUNT CHANGES
NEW OR CONTINUING FEATURES
NEW C&N ACCOUNT
INTEREST 2
Consumer Super Money Fund
Consumer Money Market
$10.00
$1,000.00
• $3.00 Printed Statement Fee waived if you sign up for Digital Banking and enroll in electronic statement delivery. 1 • Dormancy fee of $5.00 per month. Accounts become dormant after 365 days of customer inactivity. • $3.00 Printed Statement Fee waived if you sign up for Digital Banking and enroll in electronic statement delivery. 1 • Dormancy fee of $5.00 per month. Accounts become dormant after 365 days of customer inactivity.
• Free debit card • Free digital banking • Free bill pay • Free mobile banking app
C&N Everyday Checking
Freedom Checking
$0.00
$0.00 Non-interest-bearing account
• Free e-statements • Free mobile deposit • Free text banking • Overdraft Privilege
• Free digital banking • Free e-statements • Free mobile banking app
• Free debit card • Free digital banking • Free bill pay • Free mobile banking app • Free e-statements • Free mobile deposit • Free text banking • Overdraft Privilege • ID Protection Service 7
Statement Savings
Key Savings
$5.00
$300.00
C&N Everyday Checking
Liberty Checking
$0.00
$0.00 Non-interest-bearing account
Junior Banker
• $2.00 per withdrawal charge is assessed on all withdrawals over 6 per calendar month, excluding automatic transfers and pre- authorized transfers within C&N Accounts.
• Free debit card • Free digital banking • Free bill pay • Free mobile banking app
• Free digital banking • Free e-statements • Free ATM Card
Eagle Advantage
• Interest bearing account. 4 • Qualifying accounts earn a tiered interest rate. Non-qualifying accounts earn interest on collected balances at the rate recited on the Bank's current rate sheet. 3, 4 • Interest will be compounded and credited monthly. • If account is closed before interest is credited, you will not receive accrued interest. • For non-cash items such as checks, interest is accrued no later than the business day we receive credit for the non-cash item.
Youth Key Savings 3
$0.00
$0.00
• Free e-statements • Free mobile deposit
• $3.00 Printed Statement Fee waived if you sign up for Digital Banking and enroll in electronic statement delivery. 1 • Dormancy fee of $5.00 per month. Accounts become dormant after 365 days of customer inactivity.
Minor Account
• Free text banking • Overdraft Privilege • Age 55+ one free check order per year. Former Good Neighbors Checking customers, regardless of age, will receive two free orders of wallet style checks when ordered by December 31, 2026 and thereafter, will receive one free order of wallet style checks per year. 8 • ID Protection Service 7
C&N Merit Checking
$8.00 Monthly Minimum Balance Fee
$500.00 3
Good Neighbors Club
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PERSONAL BANKING continued
CONVENIENCE SERVICES – Digital Banking Does C&N offer digital banking? Yes! C&N offers an extensive suite of mobile and digital banking services.
NEW BALANCE TO AVOID MONTHLY
NEW MONTHLY SERVICE CHARGE 1
FORMER SCB ACCOUNT
OTHER ACCOUNT CHANGES
NEW OR CONTINUING FEATURES
NEW C&N ACCOUNT
INTEREST 2
Is there a fee for digital banking? No, it is free for C&N customers. How do I access my account online?
SERVICE CHARGE
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• Your account will mature and payout on the 15th of your selected payout month and renew to a 12 month product after the annual payout is made. • During the 10-day grace period following your renewal, you may change your payout month. • Payout by Official Bank Check will no longer be available as of 12/8/25. Payout options will be automatic transfer to a C&N checking or savings account or to an external bank account. • $3.00 Printed Statement Fee waived if you sign up for Digital Banking and enroll in electronic statement delivery. 1
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Starting December 8 at 9:00 AM, you can access digital banking by visiting cnbankpa.com or downloading the C&N mobile app from the app store. The app can be found by searching for "C&N." Simply enter your existing username and password. The system will prompt you through receiving a secure access code to verify your identity and creating a new password. Please complete this by December 18. If you do not access the system on or before December 18, your username will be disabled. If it becomes disabled, the Client Care Center will help you reactivate your username. Will my existing username change? No, you can continue using your existing username, even on C&N's system. I am currently enrolled in bill pay. Will my payments be affected? No, established bill payments will not be affected. However, bill pay will be unavailable from December 1 at 9:00 AM through December 8 at 9:00 AM. During this time new bill payments cannot be set up. I currently have future date scheduled or recurring payments. Will these be impacted? Scheduled payments and recurring payments will be converted to the new system for you. We recommend that you verify everything has been converted correctly when access is restored on December 8. Will I need to set up my payees in the C&N bill pay system? No, your current payees will automatically convert to the C&N bill payment system. I currently have eBills enabled through bill pay. What do I need to do to avoid disruption? To ensure a smooth transition, please disable any eBill payments you’ve set up no later than December 1. Once digital banking is restored on December 8, you can re-enroll your bill payments for eBill delivery in the new system. We are unable to transfer this information on your behalf. I set up custom balance or account alerts within SCB’s digital banking. Will these transfer over? No. Custom balance or account alerts can be recreated in C&N’s digital banking, beginning December 8. Yes, starting December 8, download the C&N app by searching for "C&N." Simply enter your existing username and password. The system will send you a secure access code to verify your identity, so you can move forward with creating a new password. Your existing Susquehanna Community Bank app will be disabled on December 5 at 5:00 PM. Will I still be able to deposit checks with my mobile app? Yes, the C&N app offers free mobile check deposit. When will my funds be available if I use mobile check deposit? Deposits made before 5:00 PM Eastern time will be available the following business day. Any deposits submitted after 5:00 PM Eastern time will be posted the following business day and available the business day after that. I am not currently enrolled in digital banking. How can I enroll? Starting December 8, you can enroll online at cnbankpa.com. Just choose “Enroll Now” to get started. You can also enroll through your local C&N office or by connecting with our Client Care Center at 570.568.6851. – Person-to-Person (P2P) Payments Does C&N offer a person-to-person payment service to send money to other people electronically? Yes, C&N will offer Zelle ® . We’re excited to be adding enhanced capabilities for our customers. During this upgrade, there may be a short disruption of the service and, if so, you will be notified in advance. –Mobile Banking Will my mobile banking app be affected?
• $10 fee for early closure of account outside of the 10- day grace period following renewal. 6 • One free withdrawal in-branch. $10 fee for each additional withdrawal outside of 10-day grace period. • Free digital banking • Free e-statements • Free mobile banking app
All Purpose Club Accounts
Milestone Club Account
$0.00
$0.00 No Changes
Christmas Club Accounts
C&N Eagle Premium Savings
Eagle Premium Savings Liberty Premium Market Share Eagle Premium IRA Savings
No Changes
No Changes No Changes
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C&N Liberty Premium Market Share C&N Eagle Premium IRA Savings
• Free digital banking • Free mobile banking app
No Changes
No Changes No Changes
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No Changes No Changes
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1 Fees waived until March 31, 2026. Fees may apply beginning with your April 2026 statement. 2 Beginning December 8, 2025, contact your local branch, call 570.568.6851 or visit us online at cnbankpa.com for current interest rates and annual percentage yields. 3 For further information regarding maintenance service charge waiver criteria and qualifying account criteria please refer to your Merit Checking Truth in Savings Disclosure on page 28. 4 New tiers are in place for your interest-bearing account. Please refer to your Truth in Savings Disclosure in pages 28 - 38 for information on your new tiers. 5 Youth Key Savings accounts automatically become Key Savings accounts upon the primary owner attaining age 19. Please refer to your Truth in Savings Disclosure on page 30 for further information. 6 Fees may reduce earnings on this account. 7 Additional communication to be sent out on ID Protection Service including enrollment details and monthly fee. 8 Free checks are limited to certain products through Harland Clarke check vendor. Customer responsible for expedited shipping cost if selected.
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HOW TO ACCESS YOUR ACCOUNT DIGITALLY Starting December 8 • Go to cnbankpa.com or download the C&N Mobile App from your app store • Search “C&N” to find it quickly • Log in to your account using your existing username and password • The system will guide you through: • Receiving a Secure Access Code (SAC) to verify your identity • Creating a new password Complete Setup by December 18 • You must log in at least once by December 18 to keep your username active • If you miss this deadline, your username will be disabled, but the Client Care Center can help you reactivate it
– ATMs Will ATMs be operable on the weekend of December 5? Yes, there will be no interruption of service.
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BUSINESS BANKING – Business Loans Will my account numbers change? No, your account numbers will remain the same! Will there be a change to how I make my loan payments? After Monday, December 8 you will have several options to make your loan payments: • By mail to PO Box 58, Wellsboro, PA 16901 • In person at your local C&N office • Online using C&N's digital banking, loan payment form option or Repay ® Payment Service • By calling the Client Care Center at 570.568.6851 My loan payment is automatically deducted from my checking account. Will this service continue? Yes, your automatic loan payment will continue uninterrupted. My loan payment is automatically deducted from an external bank account. Will this service continue? Yes, your automatic loan payment will continue uninterrupted for a period of time. We recommend that you provide your new routing number to your external bank after December 8. Will I still be able to pay my loan bill using the Loan Payment Portal from SCB’s website homepage? As of December 8, you will be able to make your loan payments on C&N’s website using our Loan Payment Form option or our Repay ® Payment Service. If you used the Online Loan Payment Portal through SmartPay Biller Express ® to establish recurring payments, you will need to setup your new recurring payments on the C&N website. How do I access my business line of credit? You will be able to access your line of credit through your C&N digital banking and at any C&N office.
Convenience services continued
Is C&N a member of the MoneyPass ® Surcharge-Free ATM Network? C&N debit cards are not compatible with the MoneyPass surcharge free network. However, we have an expansive fleet of surcharge-free ATMs along with several account types that include ATM surcharge reimbursements. – Night Deposit Will my night deposit box key still work? Yes, the night deposit box will still be in the same place and your key will continue to work as normal. Yes! If your debit card is lost or stolen, C&N can print a new one for you on demand—no need to wait 7–10 business days for a new one to arrive in the mail. This service is available in all C&N branches with the exception of our South Williamsport and York locations. – C&N Offices Will my local office remain open after the system conversion? Yes, all offices will remain open and as of December 8, you will also have access to three more locations in the Williamsport area: • 130 Court Street, Williamsport, PA • 2 East Mountain Ave, South Williamsport, PA • 1510 Dewey Ave, Williamsport, PA For a complete list of C&N locations, visit us at cnbankpa.com. How can I connect with my local office? Beginning December 8, when you call your office, our Client Care Center experts will take the call. In the event you'd like to speak directly to your local office, they're always happy to connect you. – Instant Issue Debit Cards Can I still get a new debit card printed instantly? Paying with your mobile device is gaining popularity at retail stores. This is a digital form of your debit or credit card used to make payments from your compatible smartphone, smartwatch or tablet. To pay, open your digital wallet and hold your device near a store's checkout terminal. Encrypted payment information is transmitted to complete your purchase. Are digital wallet payments safe? Paying with Apple Pay ® , Google Pay ™ , Samsung Pay ® , Fitbit Pay ™ or Garmin Pay ™ utilizes your device's password as one layer of protection. In addition, these payment services use a unique code that's encrypted for each transaction. Check with the individual services to understand their specific security measures. What are the benefits of using digital wallet? Using your C&N debit card with your digital wallet has many benefits: – Digital Wallet What is digital wallet?
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– Business Deposit Accounts Will my account number change? No, your account number will remain the same!
What is C&N's Routing Number? C&N's routing number is 031308302. Will I need to order new checks? After your account is converted to C&N's system the weekend of December 5, you can continue to use your Susquehanna Community Bank checks. Susquehanna Community Bank checks will be honored, even if presented for payment after the conversion. Once your current check supply runs out, we recommend that you place orders for new checks using C&N's routing number. Check printing fees may apply depending on your account and the style of checks you order. One of our experts will be happy to help you with your first check order with us. When I want to reorder checks or deposit slips, should I use the form that came with my Susquehanna Community Bank checks? You may continue to order checks from Susquehanna Community Bank's check vendor until your account converts to C&N's system the weekend of December 5. Once your current supply of checks runs out, you can place orders for new checks using C&N's routing number. Check printing fees may apply depending on your account and the style of checks you order. A C&N expert will be happy to help you with your first check order with us. I currently order computer checks or use a check ordering service. Can I continue to do this? Yes, you may order checks through your preferred provider or C&N's. The choice is yours. I currently access Remote Deposit Capture through a separate URL. Will this link still work after the conversion? Beginning December 8, Remote Deposit Capture will only be accessible through the button within your digital banking account. When will my funds be available when using Remote Deposit Capture? Beginning December 8, deposits made before 5:00 PM Eastern time will be available the following business day. Any deposits submitted after 5:00 PM Eastern time will be posted the following business day and available the business day after that. Will I need to change my direct deposit or direct payment programs? The Susquehanna Community Bank routing number will be recognized for the payment of checks, direct deposits, autopayments, etc. for a period of time. After December 8, we recommend that you provide your new routing number to any vendor with which you have set up direct payments within 12 months. One of our experts will be happy to help you through this process.
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• Quickly make payments without your physical card • Many digital wallets offer discounts and rewards • Pay within apps and online quickly and easily – Telephone Banking Will there be any changes to my telephone banking?
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Yes, the SCB telephone banking phone number will be discontinued on December 5th. Then, you will access your accounts using 570.724.3000 or 877.622.5526. Your new login will be the last 5 digits in your social security number and your password will be your date of birth (MMDDYYYY).
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BUSINESS BANKING continued
What is the difference between Overdraft Protection and Overdraft Privilege? Overdraft Protection will transfer funds from your linked commercial line of credit in increments of $100 or your linked business money market in increments of $50 to your checking account to help prevent your account from becoming overdrawn. A $3 transfer fee is assessed to the line of credit or business money market account for each transfer. Overdraft Privilege is a pre-determined limit that is assigned based on the type of account you have. The limit allows your account to go into a negative balance up to the overdraft limit. If there are insufficient funds in your account a $35 overdraft item fee is assessed for each overdraft item paid and a $35 returned item fee is assessed if there are insufficient funds in your account to pay an item drawn on your account and the item is returned. The overdraft fees are included in the available overdraft limit. Deposits must be made to bring the account to a positive balance within 30 consecutive calendar days and must remain positive for a minimum period of 24 business hours to remain eligible for the Overdraft Privilege program. Please refer to page 49 to learn more about the rules of the ODP program. What if I don’t want Overdraft Privilege on my account? After Monday, December 8, you can choose to discontinue Overdraft Privilege in its entirety by contacting us at 570.568.6851 or contactcn@cnbankpa.com, or notify your local branch office. On December 8, 2025, your account will be converted to a new C&N account. Please review the fee schedule on page 27 and your corresponding Truth in Savings Disclosure in the Notices and Disclosures section of this booklet located on pages 28 - 38 for information about what is changing for your account. This chart indicates to which C&N account type your Susquehanna Community Bank accounts will transition. To determine which account type you are currently in, you may review a recent SCB statement or contact your local branch. We are currently reviewing customer accounts to determine if another account may be a better fit for you. If we determine that to be the case, we will be in contact with you. In the meantime, if you feel you’d be better suited for a different account than what’s listed in this chart, please feel free to review additional account types in the back of this booklet in pages 28 - 38 or review our website at cnbankpa.com. If you would like a different account type, please let us know and we’ll be happy to help.
Will my debit card be affected? Your Susquehanna Community Bank debit card will be replaced as follows: • Wednesday, December 3 - Your new C&N debit card should have arrived by now.
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• Saturday, December 6 - Your new C&N debit card can be activated, but it will not work until Monday, December 8. • Sunday, December 7 - The last day your Susquehanna Community Bank debit card and existing PIN will work. • Monday, December 8 - Begin using your C&N debit card. It has a $5,000 per-day limit and an ATM limit of $500. Will I receive my checking account statement at the same time of the month as in the past? A final Susquehanna Community Bank statement will be generated on Friday, December 5 and mailed to all customers. C&N statements will generate at each month-end, including the month of December 2025. I currently have e-statements. Will I continue to receive them and will my past statements be available? If you are currently enrolled in e-statements, you will continue to receive your statements electronically. However, past statements will not be accessible after December 5. It is recommended that you download and save any statements you may need before that date and save them for your records. When will funds from deposits be available? Deposits made in cash or through direct deposits, online banking transfers, text banking transfers, telephone transfers and wire transfer deposits are available immediately. Check deposits are generally available on the business day following the day the deposit is considered received. Checks drawn on a C&N account deposited at a C&N branch will be available immediately. An uncollected funds fee of $35.00 will be charged if there are insufficient funds available to pay any item drawn on your account or if you receive cash in excess of available funds. Your available balance equals the account’s current balance minus any account holds. For further information regarding funds availability see our funds availability disclosure on page 45. Will I be able to keep my All Purpose Club or Christmas Club account with C&N? Yes, with some minor changes. Please see the account conversion chart on page 14 for additional details. I connect my accounts to QuickBooks ® /Quicken ® . What do I need to do to avoid disruptions? To keep your QuickBooks connection running smoothly, there are two important steps: • By December 5, 2025 – Back up your data file and download your final transactions. • On or after December 8, 2025 – Deactivate and then reactivate your online banking connection. This ensures your QuickBooks accounts reconnect properly under the new system. Check our website closer to conversion for more resources to help you avoid disruption.
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NEW BALANCE TO AVOID MONTHLY SERVICE CHARGE
NEW MONTHLY SERVICE CHARGE 1
FORMER SCB ACCOUNT
NEW C&N ACCOUNT
OTHER ACCOUNT CHANGES
NEW OR CONTINUING FEATURES
INTEREST 2
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• $2.00 excess fee per check/ withdrawal plus an $10.00 maintenance fee for all checks and withdrawals not made in person, by mail, or through an ATM that exceed 6 per calendar month. • $15 fee for accounts closed less than 6 months from the date they are opened. • $5 fee for accounts that become dormant after 732 days of customer inactivity. The fee is not charged if your account balance is $5,000.00 or more. • $12.50 returned check fee if a check is deposited into your account and returned for any reason.
Business Money Market
• Free basic wallet checks • Free digital banking • Free e-statements
Business Super Money Fund
• Interest bearing account. 3 • Interest will be compounded and credited monthly. • Minimum daily collected balance of $1,000.00 is required to earn interest. Interest is paid for each day the collected balance meets or exceeds the minimum.
– Overdraft Coverage Options Does C&N offer Overdraft Protection?
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Yes, Overdraft Protection is offered upon request for businesses by linking a commercial line of credit or business money market account. If you have this set up on your account now with Susquehanna Community Bank, it will remain set up when your account converts to C&N on December 8, however there will be changes to this service. Please refer
$10.00
$1,000.00
to page 49 for more details on the changes. Does C&N offer Overdraft Privilege (ODP)?
• Earn more than traditional savings accounts • Free basic wallet checks
Municipal Super Money Fund
Business Money Market for Municipals
Yes, eligible accounts will automatically be enrolled in the Overdraft Privilege program (ODP) when the accounts convert on Monday, December 8. The following transactions are covered under our Overdraft Privilege program for businesses: checks, ACH-automatic debits, recurring debit card payments, online bill pay items, teller window transactions, ATM transactions and everyday debit card transactions. For businesses, ATM transactions and everyday debit card transactions are automatically covered under our Overdraft Privilege program and there are no limits to the amount of overdraft fees you may have in a day. Please refer to page 49 to learn more about the rules of the ODP program along with the eligible account types and overdraft limits assigned to each account type. QUICKBOOKS ® /QUICKEN ® USERS – ACTION REQUIRED To avoid disruptions with your accounts: • By Dec. 5, 2025 – Back up your data file & download final transactions. • On/after Dec. 8, 2025 – Deactivate & then reactivate your online banking connection. Following these steps ensures your accounts connect smoothly to the new system.
C&N Eagle Premium Savings C&N Liberty Premium Market Share
Eagle Premium Savings
No Changes No Changes No Changes
No Changes
Liberty Premium Market Share
No Changes No Changes No Changes
No Changes
• Interest bearing account. 3 • Interest will be compounded and credited monthly and submitted to PA IOLTA Board.
• Free digital banking • Free e-statements
IOLTA Program Account
IOLTA Checking
No Change
No Change
No Change
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