Citizens National Bank will host a series of free seminars featuring Robert J. Morgan, Senior Consultant with Austin Associates, LLC.

Business owners are invited to hear Morgan present his economic forecast for 2014. He will discuss current market conditions and what he expects to see in regards to unemployment, housing and the challenges facing business owners in the upcoming year.

Morgan will be speaking at three separate locations and a meal will be provided at each:
• Tuesday, Oct. 29, at 11:30 a.m. at Country Inn and Suites, 903 Interstate Dr., Findlay
• Wednesday, Oct. 30, at 11:30 a.m. at Willow Bend Country Club, 579 Hospital Dr., Van Wert
• Thursday, Oct. 31, at 11:30 am at Holiday Inn, 803 S. Leonard Ave., Lima

Prior to joining the Austin Associates, Morgan served as a senior vice president and chief economist with a multi-billion dollar regional bank. He directs his firm’s Financial Management Division and works with clients on all aspects of asset/liability and interest rate risk management, investment portfolio management and other aspects of bank financial performance.

To RSVP for this event, visit www.cnbohio.com/economicforecast/.