PRESS RELEASE

FOR IMMEDIATE RELEASE

Contact: Lauren J. Muzzy Vice President Corporate Relations Officer 717.339.5103 lmuzzy@acnb.com

MICHAEL D. WILLIAMS JOINS ACNB BANK

GETTYSBURG, PA, October 18, 2022 --- ACNB Bank recently welcomed Michael D. Williams as Vice President/Commercial Loan Officer. In this role, he is responsible for building commercial customer relationships at ACNB Bank, primarily by providing commercial loan services to assist in the operation and growth of a customer's business. Mr. Williams is based at ACNB Bank's York Loan Office, located at 1601 South Queen Street in York, PA, and serves commercial customers throughout southcentral Pennsylvania.

Mr. Williams has ten years of banking experience, primarily focused on commercial and industrial lending and commercial real estate. A graduate of Dulaney High School in Timonium, MD, he served five years in the United States Army before attending Stevenson University in Owings Mills, MD, and graduating with a Bachelor of Applied Science in business administration and management.

A 10-year resident of York County, PA, Mr. Williams was a member of the Leadership York Class of 2017. He resides in New Freedom, PA, with his wife, Bre, and their two children, Elliot and Isadora.

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

ACNB BANK

Press Release/Michael D. Williams Joins ACNB Bank

October 18, 2022

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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 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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ACNB #2022-35

October 18, 2022

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ACNB Corporation published this content on 18 October 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 18 October 2022 15:31:59 UTC.