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The preceding are hyperlinks to the Federal Government’s SEC EDGAR web site. Neither DNB First, National Association nor DNB Financial Corporation maintain the linked site or directly provide the information on the linked site. We are not responsible for maintenance of the linked site. We make no representations or warranties with respect to the information contained on the linked site and take no responsibility for supplementing, updating, or correcting any information on the linked site.

THE FINANCIAL AND OTHER INFORMATION SET FORTH ON THIS AND OTHER PAGES OF THIS WEB SITE RELATING TO DNB FINANCIAL CORPORATION AND ITS SUBSIDIARY DNB FIRST, NATIONAL ASSOCIATION AND THEIR AFFILIATES (COLLECTIVELY, “DNB”) REPRESENTS ONLY A SUMMARY OF CERTAIN LIMITED INFORMATION, MAY NOT BE CURRENT OR CONTAIN ALL MATERIAL INFORMATION, IS NOT A PROSPECTUS, AND MAY NOT BE RELIED UPON IN CONNECTION WITH ANY PURCHASES, OFFERS OR SALES OF DNB SECURITIES, WHETHER MADE DIRECTLY TO, BY OR FROM DNB OR IN THE SECONDARY MARKET, OR OTHERWISE. THE INFORMATION SET FORTH HEREIN DOES NOT ATTEMPT TO COMPLETELY DESCRIBE OR ANALYZE THE BUSINESS OR CONDITION, FINANCIAL OR OTHERWISE, OF DNB OR OTHERWISE PURPORT TO DESCRIBE ANY RISKS ASSOCIATED WITH ANY OF DNB’S SECURITIES. THE OFFERING OF DNB SECURITIES MAY ONLY BE MADE, WHERE REQUIRED, THROUGH AN AUTHORIZED, WRITTEN PROSPECTUS OR OFFERING STATEMENT, PURSUANT TO ANY REQUIRED REGISTRATION OR OTHER FILINGS WITH APPLICABLE FEDERAL AND STATE SECUTITIES REGULATORY AGENCIES.

DNB Financial Corporation and DNB First, National Association file periodic reports with the Federal Reserve Bank of Philadelphia and the Office of the Comptroller of the Currency. DNB Financial Corporation’s common stock is listed under the symbol “DNBF.OB” on the Over-The-Counter Electronic Bulletin Board, an automated quotation service, made available through and governed by the NASDAQ system. DNB Financial Corporation is required to file an annual report on Form 10-K with the U. S. Securities and Exchange Commission (“SEC”) pursuant to the Securities Exchange Act of 1934, as amended (the “Exchange Act”), as well as quarterly reports on Form 10-Q and, upon the occurrence of certain events, additional reports on Form 8-K. Such Exchange Act reports are publicly available at the public reference facilities maintained by the SEC at 450 Fifth Street, N.W., Judiciary Plaza, Washington, D.C. 20549 and at its regional offices at 233 Broadway, New York, NY 10279 and 500 West Madison Street, Suite 1400, Chicago, IL 60661. Copies of certain documents filed by issuers with the SEC may also be accessed electronically by means of the SEC’s home page on the Internet at http://www.sec.gov. Any of the documents referred to herein are available upon request, without charge, by writing to DNB Financial Corporation, 4 Brandywine Avenue, Downingtown, PA 19335, Attention: Chief Financial Officer. Any financial information provided herein is qualified entirely by the reports referred to above.