OUR COMMITMENT TO PRIVACY

At ACNB Corporation and its subsidiaries, we understand the importance of protecting the confidentiality of your personal financial information. You place your trust in us as a financial services organization. In return, our commitment is to safeguard your financial privacy in our business practices. It is for this reason that we want you to understand how we protect the personal information you have entrusted with us. We can also assure you that the privacy of your personal information is a major consideration when making business decisions regarding technology enhancements, service delivery channels, business partnerships, and other strategic initiatives.

This notice outlines our current privacy policy and practices relative to the collection, use, retention and security of nonpublic personal information. During the time of your relationship with us, we will continue to advise you of our privacy policy and practices at least once annually, as required by law.

Our Affiliates

ACNB Corporation, headquartered in Gettysburg, PA, is the financial holding company for the wholly-owned subsidiaries of Adams County National Bank, Gettysburg, PA, and Russell Insurance Group, Inc., Westminister, MD. Originally founded in 1857, Adams County National Bank serves its marketplaces via a network of eighteen retail banking offices located throughout Adams County, PA, and in Dillsburg and Hanover, York County, PA, as well as a Chambersburg Loan Office in Franklin County, PA.  Farmers National Bank of Newville, a division of Adams County National Bank, serves customers at three retail banking offices in the Newville, Cumberland County, PA, area. Russell Insurance Group, Inc. offers a broad range of commercial and personal insurance lines with licenses in thirty-two states, including Pennsylvania and Maryland, and offices in Westminister, Carroll County, MD, and Timonium, Baltimore County, MD.

Information We Collect

We may collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms or through your correspondence or communication with us;
• Information about your transactions with us or others; and,
• Information we receive from third parties such as credit bureaus and insurance carriers.

Information We Disclose

We regard all of your personal information as confidential. However, in the course of doing business, we are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your relationship with us, to government entities or law enforcement agencies in response to subpoenas, and to credit bureaus.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. Specifically, we may disclose nonpublic personal information to other financial service providers, based upon a joint marketing agreement, for the purposes of offering additional products and services such as mortgage or other credit insurance, credit cards, and investment services.

We may also share all of the information we collect among our affiliates. Under no circumstances do we disclose or sell your personal information to nonaffiliated third parties for their own marketing purposes. For this reason, we are not required to provide you with a means to opt out of such disclosures. However, as a courtesy, you may call our Customer Contact Center toll-free at 1.888.334.ACNB(2262) to prohibit the use of your personal information for our marketing initiatives. Further, if you decide to discontinue your relationship with us or if your relationship becomes inactive, we will continue to adhere to the privacy policies and practices described in this notice.

Confidentiality and Security

To safeguard nonpublic information, we restrict access to your personal and account or policy information to those individuals who require it in order to provide products and services to you. In addition, we maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your nonpublic personal information.