Important Information for Hamilton Bank Clients about Your Transition to Welcome TO On May 1, 2019, Hamilton Bank and Orrstown Bank officially merged together with a goal of providing you access to an expanded branch network, innovative online and mobile banking tools, wealth management solutions, and new products and services designed to help you better manage your money. Over the coming weeks, our associates will be working diligently to prepare for the conversion of your Hamilton Bank accounts and services to Orrstown Bank, which will occur the weekend of August 16, 2019. To make this transition as easy and as seamless as possible, we created this Welcome Guide to answer any questions you may have. Please take a few moments to review the information contained in this booklet and feel free to contact us with any additional questions by calling our Client Service Center at 1-888-677-7869 or stopping by any of our offices. We would be more than happy to assist you. This is an exciting time for us as we welcome you into the Orrstown Bank family and commemorate our 100th anniversary throughout 2019. As a client of Orrstown Bank, we pledge to provide you with the outstanding banking experience you deserve, increased support for the organizations who build and strengthen our communities, and a commitment to investing in our continued growth throughout the greater Baltimore region. Again, welcome! Sincerely, Thomas R. Quinn, Jr. President and Chief Executive Officer Your Town. Our Town. IMPORTANT DATES TO REMEMBER As we approach the transition of your Hamilton Bank accounts to Orrstown Bank, there are some important things you need to know TABLE OF CONTENTS before and after the conversion is complete. The information shown here will help you prepare for what’s ahead. Important Dates to Remember. .1 ⊲ FRIDAY, AUGUST 16, 2019 Frequently Asked Questions. 2 The conversion of Hamilton Bank accounts and systems to Orrstown Important Information. 6 Bank begins. Deposit Statements Debit or ATM Cards All Hamilton Bank locations will close at 4 pm. ATMs Online Banking Online Bill Payment Online Transfers ⊲ SATURDAY AND SUNDAY, AUGUST 17-18, 2019 Mobile Banking Overdraft Protection The conversion of Hamilton Bank accounts and systems to Orrstown Loans Bank continues. Personal Accounts. .8 All Hamilton Bank locations will be closed for the weekend. You Personal Savings will have limited access your accounts, so please plan accordingly. Personal Checking Club Accounts . 10 CDs and IRAs. .10 ⊲ MONDAY, AUGUST 19, 2019 Business Accounts. .11 Hamilton Bank locations will reopen as Orrstown Bank. Please refer to the “Locations” section on pages 12-13 of this guide for hours and Our Locations. .12 addresses. Orrstown Services. .14 The conversion of your accounts to Orrstown Bank will be complete. You may begin banking at any of Orrstown Bank’s locations. Service Charge Schedule. .15 Account Agreements and Disclosures. .16 Account Terms and Conditions Funds Availability Policy Substitute Check Policy Electronic Fund Transfer Disclosure Privacy Notice Contact Information. 25 Welcome to Orrstown Bank | 1 FREQUENTLY ASKED QUESTIONS At Orrstown Bank, we believe that everyone, from our clients and employees to our neighbors in the communities we serve, deserves the opportunity to grow, thrive, I’m not familiar with Orrstown Bank. and realize their goals. That’s why we do everything we can to provide you with a full Can you tell me range of personal and business banking services, wealth management opportunities, more about you? and enhanced technology offerings, through our network of locations in Maryland and Pennsylvania. Since our founding in the small town of Orrstown, Pennsylvania in 1919, Orrstown Bank has grown to be one of the strongest locally-owned and managed community banks headquartered in the region. Today, with assets of approximately $2.5 billion, Orrstown Bank and our team of experienced bankers have extensive knowledge of the local markets we serve, and we are committed to providing you with an unparalleled level of service and support each and every day. For more information about Orrstown Bank, please feel free to visit our website at Orrstown.com. ORRSTOWN BANK FAST FACTS Corporate Headquarters: Shippensburg, Pennsylvania Maryland Regional Headquarters: Towson, Maryland Maryland Counties Served: Anne Arundel, Baltimore, Baltimore City, Howard, and Washington Pennsylvania Regional Headquarters: Harrisburg and Lancaster, Pennsylvania Pennsylvania Counties Served: Berks, Cumberland, Dauphin, Franklin, Lancaster, Lebanon, Perry, and York Parent Company: Orrstown Financial Services, Inc. NASDAQ Stock Symbol: ORRF Unless we notify you otherwise, your account number(s) will not change. If your account Will my account is one that will require an account number change, we will contact you directly. number change? Yes, you may continue to use your Hamilton Bank checks until Tuesday, March 31, Do I use the same 2020. After that date, Hamilton Bank checks will no longer be accepted or processed. checks I have now? All new check orders made after Monday, August 19, 2019 should include Orrstown Bank’s name and routing number, which is 031315036. Please feel free to contact any Orrstown Bank office and we will be happy to help you with your new check order. You may also conveniently order checks through Orrstown Bank’s online banking service. 2 | Welcome to Orrstown Bank FREQUENTLY ASKED QUESTIONS All accounts generating statements will receive a final Hamilton Bank statement with Will I continue to account activity through Friday, August 16, 2019. You will begin receiving Orrstown receive my deposit Bank statements on a regular cycle after Monday, August 19, 2019. The frequency statements as usual? with which your statement is generated will depend upon your account type. For more information, please see the Deposit Statements section of this guide on page 6. To assist you through the conversion process, we will move your Hamilton Bank Will fees and service account into the Orrstown Bank account that is most similar to the one you currently charges change? have. You may find that some fees and charges will change, but the majority will remain the same. Please review the Service Charge Schedule on page 15 for our current fees. You will continue to earn the interest rate guaranteed on your CD and/or IRA when Will rates on my CDs you opened your account at Hamilton Bank, or at its last renewal, for the remainder of and IRAs change? the account term. Upon maturity, CDs and IRAs may be renewed at Orrstown Bank’s current market rates in effect on that date, unless otherwise notified. You will continue to receive your interest payouts in the same form that you receive them today. However, monthly statements will no longer be mailed. You may view your CD/IRA information through Orrstown Bank’s online banking service or, if you require a paper statement, please visit any Orrstown Bank office and our associates will print one for you. For more information, please see the CD and IRA summary in the chart on page 10. We will temporarily transfer your direct deposits for you and they will continue to post How will this transition to your account as they have in the past until Tuesday, March 31, 2020. However, if affect direct deposits to individuals or companies such as your employer currently make direct deposits to your my account? account, you should notify them that your bank’s routing number will change effective Monday, August 19, 2019. The new routing number will be 031315036. We recommend notifying them of this change after August 19, 2019, but before September 30, 2019, to ensure that future deposits are properly delivered and credited. Your deposits at Orrstown Bank will continue to be insured by the FDIC up to the Does FDIC insurance maximum amount permitted by federal regulation. The FDIC has a special rule that still apply? says when two banks merge, a client’s deposits will be considered to be separately insured – as if the two banks are still operating separately – for at least six months and possibly longer for Certificates of Deposit (CDs). The six-month rule is intended to allow depositors time to review their deposit insurance coverage so they do not have to rush to the bank after a merger to withdraw amounts over $250,000 from the combined balance. The six-month period began Wednesday, May 1, 2019, and will end Friday, November 1, 2019. Please refer to the FDIC’s website at fdic.gov for additional information on deposit insurance coverage. We would also be happy to sit down with you to review your insurance coverage at any time. Welcome to Orrstown Bank | 3 FREQUENTLY ASKED QUESTIONS Orrstown Bank does not have a cut-off time for teller transactions. As long as we What is the cut-off receive your transaction by the close of business, your transaction will be processed the time for transactions? same business day, excluding Saturdays and Federal holidays. Yes, you can continue to use your Hamilton Bank debit and ATM cards through Sunday, Can I still use my August 18, 2019. Your existing Hamilton Bank card will not reflect true balances during Hamilton Bank debit our conversion weekend, however, so we recommend that you have additional cash on and ATM cards? hand or use a check or other payment method for purchases that weekend. Your new Orrstown Bank debit or ATM card should arrive between Monday, August 5, 2019 and Friday, August 16, 2019. You will be able to activate and begin using your new Orrstown Bank debit card on Monday, August 19, 2019. At that time, we suggest you immediately destroy your old Hamilton Bank card. If you have pre-authorized charges tied to your Hamilton Bank card, such as a gym membership, you will need to inform all appropriate parties of your new Orrstown Bank card number as soon as you receive it so they may update your card number information.