ACNB Corporation provides a full range of banking and financial services to individuals and businesses, including commercial and retail banking, trust, accounting and insurance. The Companys operations are conducted through its primary operating subsidiary, Adams County National Bank (the Bank), a full-service commercial bank that offers an automated teller machine (ATM) network, customer contact center, Internet and telephone banking. ACNBs non-banking subsidiary, Pennbanks Insurance Co., holds an unrestricted Class B Insurers License under Cayman Islands Insurance Law. The portfolio is engaged in the business of reinsuring credit life and credit accident and disability risks.