Ephrata National Bank Privacy Policy

Thank you for visiting ENB’s website. We respect the privacy of our customers as well as visitors to our site.

Ephrata National Bank will not collect personal information about you when visiting our website unless you volunteer information when expressing interest in a product or service. This information may be used internally to handle your request but will not be disseminated or sold to other organizations. Our employees are trained and expected to protect the confidentiality and privacy of customer information regardless of how that information is obtained.

We will gather and store certain information about your visit automatically. This information may include date and time of site access, what pages were visited, servers, and links used. We will use the information gathered to assist us in making our site more user-friendly and accessible to visitors.

Our website may have links to other organizations or federal agencies. Once you link to another site, you are subject to the privacy policy of the new site.

We reserve the right to change this policy at any time by posting a new privacy policy.

Warranties & Disclaimers

Permitted Use

Any person is hereby authorized to view the information available from this website for informational purposes only. No part of the information on this site can be redistributed, copied or reproduced without prior written consent of Ephrata National Bank, and the copyright owner of the specific information at issue.

Disclaimer of Warranties

The information contained or accessed is provided “as is” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Privacy Disclosure

Rev. February 2026

FACTS WHAT DOES EPHRATA NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Payment history and transaction or loss history
  • Credit history and account transactions
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Ephrata National Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does EPHRATA NATIONAL BANK share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don’t share
To limit our sharing
  • Call Toll-free (877) 773-6605
  • Visit us online: https://www.epnb.com/privacy-policy/
  • Visit a Financial Center near you.

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call (877) 773-6605 or go to www.epnb.com/contact-enb
Who We Are
Who is providing this notice? Ephrata National Bank means the following institutions: ENB Insurance LLC and Ephrata National Bank
What We Do
How does Ephrata National Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Ephrata National Bank collect my personal information? We collect your personal information, for example, when you

  • Open an account or deposit money
  • Apply for a loan or apply for insurance
  • Provide account information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.]
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account — unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with the Ephrata National Bank name; financial companies, such as ENB Insurance, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Ephrata National Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partner(s) include securities broker-dealers, credit card companies, insurance companies, and financial services companies.
Other Important Information
Special Notice For California Residents
We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Vermont Customers.

  • We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
  • Additional information concerning our privacy policies can be found at www.epnb.com/contact-enb or call (877) 773-6605.
Institutions within Ephrata National Bank

EPHRATA NATIONAL BANK’s affiliates include non-bank subsidiaries, including ENB Insurance, LLC.
Contact us and we’ll answer your questions.