ORRF

Orrstown Financial Services, Inc. is a financial holding company for Orrstown Bank (the Bank). The Company provides banking and financial advisory services located in south central Pennsylvania, principally in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry and York Counties, Pennsylvania, and in Anne Arundel, Baltimore, Howard and Washington Counties, Maryland, as well as Baltimore City, Maryland. It operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending and deposit services, including checking, savings, time and money market deposits. The Bank offers commercial real estate, equipment, construction, working capital and other commercial purpose loans to commercial clients. It provides fiduciary, investment advisory, insurance and brokerage services. It also provides home equity loans, home equity lines of credit and other consumer loans.