Dividend Reinvestment & Stock Purchase Plan

Dividend Reinvestment & Stock Purchase Plan

ACNB Corporation is pleased to offer our shareholders the opportunity to participate in our Dividend Reinvestment and Stock Purchase Plan. For your review, there is a prospectus that outlines the details of this plan.

All registered ACNB Corporation common stock shareholders are eligible to participate in the plan. Shareholders may participate in the plan with respect to all or any portion of their shares so long as participants enroll at least 100 shares of the Corporation's common stock. Participation in the plan is entirely voluntary. Shareholders may enroll or withdraw at any time, in accordance with the terms and conditions of the plan.

In addition to providing a convenient way to buy additional shares of ACNB Corporation common stock by reinvesting your dividends, the plan also provides a way for you to make voluntary cash payments to purchase additional shares of common stock. The stock purchases are made on your behalf without you paying any service fees or brokerage commissions. We encourage you to review the terms and conditions of the plan carefully, as well as to retain the prospectus for future reference.

The shares of ACNB Corporation common stock and any monies held in the ACNB Corporation Dividend Reinvestment and Stock Purchase Plan are not savings accounts, deposits, or other obligations of any bank and are not insured by the Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation or any other governmental agency. Further, no interest will be earned on any funds held by the plan administrator prior to their investment. Investment in our common stock, as with any investment in common stock, involves investment risks, including the possible loss of principal.

Computershare Trust Company, N.A. is the plan administrator. You may enroll in the plan by contacting Computershare at 1.800.368.5948 or visit www.computershare.com/investor. If you have any questions about the plan, we recommend that you call Computershare, the plan administrator, at 1.800.368.5948. You may also contact Lynda Glass, Executive Vice President/Secretary & Chief Governance Officer of ACNB Corporation, at 717.339.5085.

Thank you for your interest in ACNB Corporation.

Dividend Reinvestment & Stock Purchase Plan Prospectus