b'A LETTER TO OURCNB Banks Directors SHAREHOLDERS are proud of the Banks It is with great pleasure that we present to you, our valuedgrowth and success in shareholders, the 2020 annual report for CNB Financial Services, Inc. and its wholly owned subsidiary, CNB Bank, Inc.2020 while navigating The turbulent environment of 2020 never challenged the resolve of CNB Bank as we celebrated 86 years of continuousa very challenging commitment to financially healthy communities.We are proud of the value CNB Bank created for our shareholders in 2020, posting strong financial results and delivering on our strategicenvironment.focus of responsible and controlled growth.We are pleased to report the Banks earnings, assets, net book value and shareholder equity continue to expand. - CHARLES S. TRUMP, IVCHAIRMAN OF THE BOARDThe early part of 2020 was met with a worldwide pandemic that quickly worked its way into CNB Banks communities.The Banks comprehensive preparedness plans for pandemic and disaster recovery provided our team the roadmap to quickly pivot.These plans provided the tools and protocol to protect our staff and customers while providing financial services at the level our customers expect and deserve with minimal interruption. Were proud of the Banks expeditious delivery of capital for over 400 small businesses through the SBAs Paycheck Protection Program (PPP).The Banks effort to quickly adopt this program helped protect jobs for thousands of hardworking folks in our communities.We are grateful for our dedicated employees as they represent the energy and passion necessary for a successful community bank, deliver on our brand promise and embrace a culture of strong ethics while diligently serving our customers, shareholders and one another.CNBs strengths, including experience, market intelligence and the ability to create customized solutions are our primary differentiators.Jelena McWilliams, FDIC Chair, said it best in a recent interview concerning COVID response: Community Banks are the economic first responders.We are a collection of dedicated and hard-working bankers who are proud to be financial and economic first responders! As we reflect on all that was accomplished in 2020, we are excited about the future of your bank.Thank you for your continued support and confidence in CNB Bank.Were right here and look forward to celebrating many more years with you.Mark D. Harrell President/CEO'