ACNB : Bank Celebrates Grand Opening of New Upper Adams Office

PRESS RELEASE

FOR IMMEDIATE RELEASE

Contact: Lauren J. Muzzy Vice President Corporate Relations Officer 717.339.5103 [e-mail]

ACNB BANK CELEBRATES GRAND OPENING

OF NEW UPPER ADAMS OFFICE

GETTYSBURG, PA, October 20, 2022 --- ACNB Bank celebrated the opening of the Upper Adams Office with a ribbon cutting ceremony held on Thursday, October 20, 2022. This new, full-service community banking office, located at 3425 Biglerville Road, Biglerville, PA, opened for business on Monday, October 17, 2022.

"After years of planning and nine months of construction, ACNB Bank's staff members were truly excited to officially open the doors and welcome customers and friends to the new Upper Adams Office on Monday morning! This new location was designed with the customer in mind from the layout of the lobby and the drive-up to the deployment of the technology---all with the intent to streamline and enhance the customer experience," said James P. Helt, ACNB Corporation and ACNB Bank President & Chief Executive Officer.

"We are proud of this modern, full-service office to serve the entire Upper Adams community. Throughout its 165-year history, ACNB Bank has engaged in a variety of similar construction projects whenever it saw the opportunity and merit to invest in local communities. This project, with costs exceeding $2 million, represents a continuation of that longstanding commitment to local investment," he added.

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Press Release/ACNB Bank Celebrates Grand Opening of New Upper Adams Office

October 20, 2022

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The new Upper Adams Office offers enhanced services and conveniences including ample parking, multiple drive-up teller lanes and drive-up ATM. Further, commercial, residential mortgage and consumer loans, as well as wealth management services, are accessible through this new office location.

In conjunction with the ribbon cutting ceremony, ACNB Bank presented a check to the Upper Adams Food Pantry to commemorate the occasion and, more importantly, to support this valuable community organization. Additionally, ACNB Bank is hosting a prize drawing featuring gift cards to local businesses and providing refreshments and gift items for customers and guests visiting the office during the first two weeks. A Grand Opening Community Celebration is planned for Saturday, October 22, 2022, to welcome young savers with a pumpkin decorating activity and seasonal treats.

Ashley L. Cooley, Community Banking Manager, is responsible for the overall management of ACNB Bank's Upper Adams Office. She is joined by Melissa A. Pritt, Community Banking Supervisor, who is responsible for the day-to-day supervision of the community banking staff at the office. Other staff members at the new location include Community Banking Specialists Melissa S. Dick and Stacy G. Dunlap, as well as Community Banking Associates Linda R. Asper, Carol F. Lua, Courtenay A. Lesniak, Mikaela K. Scott and Kelly M. Starner.

ACNB Bank is a wholly-owned subsidiary of ACNB Corporation, an independent $2.7 billion financial holding company headquartered in Gettysburg, PA. Originally founded in 1857, ACNB Bank serves its marketplace with banking and wealth management services, including trust and retail brokerage, via a network of 18 community banking offices, located in the four southcentral Pennsylvania counties of Adams, Cumberland, Franklin and York, as well as loan offices in Lancaster and York, PA, and Hunt Valley, MD. As divisions of ACNB Bank operating in Maryland, FCB Bank and NWSB Bank serve the local marketplace with a network of five and six community banking offices located in Frederick County and Carroll County, MD, respectively. Affiliated with ACNB Bank is ACNB Insurance Services, Inc. of

ACNB BANK

Press Release/ACNB Bank Celebrates Grand Opening of New Upper Adams Office

October 20, 2022

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Westminster, MD, a full-service insurance agency with licenses in 44 states and the other wholly-owned

subsidiary of ACNB Corporation. The agency offers a broad range of property, casualty, health, life and

disability insurance serving personal and commercial clients through office locations in Westminster and

Jarrettsville, MD, and Gettysburg, PA. For more information regarding ACNB Bank, please visit

acnb.com.

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Photo 1: ACNB Bank Upper Adams Office Ribbon Cutting

ACNB Bank commemorated the opening of the new Upper Adams Office with a ribbon cutting ceremony on Thursday, October 20, 2022. On hand to mark the occasion were, front row, left to right: Alan Stock, ACNB Corporation and ACNB Bank Chairman of the Board; James Helt, ACNB Bank President & Chief Executive Officer; Thomas Stone, ACNB Bank Executive Vice President/Chief Community Banking Officer; Ashley Cooley, ACNB Bank Community Banking Manager; Julie Marshall, ACNB Bank Vice President/Regional Sales Manager; Laura McCusker, ACNB Bank Senior Vice President/Community Banking Officer; Aysha Whitfield, W&B Prime Construction Services Project Manager; and, Gary Whitfield, W&B Prime Construction Services President. Second row, left to right: Wayne Steinour, ACNB Bank Senior Vice President/Agribusiness Lending Manager; Phil Wagner, Biglerville Borough Mayor and Upper Adams Food Pantry Logistics Coordinator; James Lott, Bonnie Brae Fruit Farms, Inc. President; Kevin Stultz, ACNB Bank Regional Maintenance Lead Specialist; and, Gerald Waytashek, ACNB Bank Assistant Vice President/Facilities Manager.

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Press Release/ACNB Bank Celebrates Grand Opening of New Upper Adams Office

October 20, 2022

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Photo 2: ACNB Bank Check Presentation to Upper Adams Food Pantry

ACNB Bank's $1,000 contribution in support of the Upper Adams Food Pantry was acknowledged with a check presentation in conjunction with the ribbon cutting ceremony. Taking part in the presentation were, left to right: Phil Wagner, Biglerville Borough Mayor and Upper Adams Food Pantry Logistics Coordinator; Ashley Cooley, ACNB Bank Community Banking Manager; Julie Marshall, ACNB Bank Vice President/Regional Sales Manager; and, James Helt, ACNB Bank President & Chief Executive Officer.

PHOTO ATTACHMENTS

ACNB #2022-36

October 20, 2022