FRANKLIN FINANCIAL SERVICES CORP

Franklin Financial Services Corporation operates primarily through its wholly owned banking subsidiary, F&M Trust. F&M Trust, established in 1906, is a full-service commercial bank and trust company chartered in Pennsylvania. It is not a member of the Federal Reserve System. The bank conducts general commercial and retail banking services typical of community banks. Its deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to legal limits. F&M Trust provides a variety of banking services to businesses, individuals, and governmental entities. The bank operates twenty-three community banking offices across five counties in Pennsylvania: Franklin, Cumberland, Dauphin, Fulton, and Huntingdon. It also has a presence in Washington County, Maryland. The Corporation's common stock is listed on the Nasdaq Capital Market under the symbol "FRAF".