are conducted through its primary operating subsidiary, ACNB Bank (the Bank), with 19 retail banking offices in Adams, Cumberland, and York Counties, as well as two loan production offices in York and Franklin Counties, Pennsylvania. The Company’s Non-Banking Subsidiaries include Russell Insurance Group, Inc. (RIG) and BankersRe Insurance Group, SPC.ACNB Bank is a full-service commercial bank operating under a charter from the Pennsylvania Department of Banking. RIG is a full-service insurance agency that offers a range of property and casualty, life, and health insurance to both commercial and individual clients.