ACNB BANK
 JOINS THE FIGHT TO PREVENT ELDER FINANCIAL ABUSE

GETTYSBURG, PA, June 14 --- To spotlight June 15 as “Elder Abuse Awareness Day”, ACNB Bank has tips on how senior citizens can protect themselves from elder financial abuse.

According to the U.S. Department of Health and Human Services, seniors throughout the United States lose an estimated $2.6 billion or more annually due to elder financial abuse and exploitation.

“Senior citizens are valued members of our community. Like all members of our community, they deserve to feel safe,” explained Helen A. Jahn, Vice President & Corporate Relations Officer. “They can steer clear of financial abuse by being alert to the signs and knowing who to turn to for help.”

Below are tips to avoid elder financial abuse and to keep your money safe:

• Never provide your Social Security number, account numbers, or other personal financial information over the phone unless you initiated the call. 
• Don't open emails from unknown sources, and beware of any notice claiming you have won a lottery. Most likely, it's fraudulent. 
• Shred receipts, bank statements, and unused credit card offers before you throw them away. 
• Review your monthly accounts regularly for any unauthorized transactions. If you find any unauthorized transactions, report them immediately to your bank. 
• Report lost or stolen checks immediately. 
• Order copies of your credit report once a year to ensure accuracy. You can get it free by visiting www.AnnualCreditReport.com or calling toll free 1-877-322-8228. 
• Lock up your checkbook, account statements, and other sensitive information when others will be in your home.
• Do business with companies you know are reputable, or first check their references and credentials. Beware of any home improvement contractor that comes to your door or tries to sell you services over the phone. 
• If a stranger needs to send you payment for something, insist on a check for the exact amount. Never accept a check for more and wire the difference back. 
• Never let someone pressure you into agreeing to loan terms before you've had a chance to review them in writing with a trusted advisor. 
• Report any unusual account inquiries you receive, whether by phone or email, to your bank, who will assist you with taking measures to protect your account. 
• Carefully choose trustworthy people to act as your agent in all estate planning matters. 
• Talk to your local banker about any financial needs, concerns or questions.

ACNB Bank is the wholly-owned subsidiary of ACNB Corporation, a financial holding company headquartered in Gettysburg, PA. Originally founded in 1857, ACNB Bank serves its marketplace via a network of 19 retail banking offices located throughout Adams County, PA, as well as in Dillsburg, Hanover and Spring Grove, York County, PA, and in Newville, Cumberland County, PA. In addition, the Bank operates loan offices in Hanover, York County, and Chambersburg, Franklin County, PA. ACNB Corporation also has Russell Insurance Group, Inc. as its insurance subsidiary. Russell Insurance Group, Inc. offers a broad range of commercial and personal insurance lines with licenses in 36 states, including Pennsylvania and Maryland, through offices in Westminster, Carroll County, and Germantown, Montgomery County, MD. On March 31, 2012, total assets of ACNB Corporation were $1.0 billion.

ACNB #2012-09
June 14, 2012

Member FDIC