Market Summary

Corporate Profile

AmeriServ Financial, Inc. is a bank holding company organized under the Pennsylvania Business Corporation Law. In addition to AmeriServ Financial Bank, the Company’s other wholly owned subsidiaries include AmeriServ Trust and Financial Services Company, and AmeriServ Life Insurance Company. AmeriServ Financial Bank is a Pennsylvania state chartered bank that conducts a general banking business through branch locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania. It is a full-service bank offering (i) retail banking services, and (ii) lending, depository and related financial services to commercial, industrial, financial, and governmental customers. The Company operates loan production offices (LPOs) in Monroeville and Altoona in Pennsylvania, and in Hagerstown, Maryland. West Chester Capital Advisors, a SEC registered investment advisor, is also a subsidiary of the Bank.

The AmeriServ Trust and Financial Services Company focuses on wealth management including personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts. Financial services, which include the sale of mutual funds, annuities, and insurance products, are also offered. The wealth management business also includes the ERECT Fund which is a union collective investment fund which is designed to use union pension dollars in construction projects that utilize union labor.

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Contact Information

AmeriServ Financial, Inc.,

216 Franklin Street
Johnstown, PA 15901
(814) 533-5300

Investor Relations Contact

Mr. Michael Lynch
SVP / Chief Financial Officer & Chief Investment Officer
(814) 533-5193

Transfer Agent

Computershare Investor Services LLC
P.O. Box 43078
Providence, RI 02940-3078