Privacy Policy
Thank you for visiting our website. Ephrata National Bank respects
the privacy of our customers as well as visitors to our website.
We 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 web site 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
Your Privacy Is Important To Us
At the Ephrata National Bank, the basis of each customer relationship,
many of which span generations, is trust.
You provide important information about yourself to a variety of businesses
and organizations. The same is true when you do business with our
financial institution. You're asked to provide us with certain personal
information that helps us give you better service and complete your transactions
more effectively.
We work diligently to safeguard the information you give to us.
In fact, we developed the following policies to ensure your confidentiality
and maintain your confidence in our institution. These policies detail
the strict standards we have in place. For this reason, we ask you
to please read the following information carefully.
Notice Of Your Financial Privacy Rights
We, our, and us, when used in this notice, mean the Ephrata National Bank.
This is our privacy notice for our customers. When we use the
words "you" and "your" we mean the following types of customers:
-All of our consumer customers who have
a continuing
relationship with us, such
as:
-
Deposit account
-
Loan account
-
Save deposit box
-
Retail installment contract we hold and service
-
Self-directed Individual Retirement Account where we act as custodian or
trustee
-
Financial, investment, or economic advisory services (for a fee)
We will tell you the sources for nonpublic personal information
we collect on our customers. We will tell you what measures we take
to secure that information.
We first define some terms.
Nonpublic personal information means information about you that
we collect in connection with providing a financial product or service
to you. Nonpublic information does not include information that is
available from public sources, such as telephone directories or government
records.
An affiliate is a company we own or control, a company that owns
or controls us, or a company that is owned or controlled by the same company
that owns or controls us. Ownership does not mean complete ownership,
but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate
of ours.
The Information That We Collect
We collect nonpublic personal information about you from the following
sources:
-
Information we receive from you on applications or other forms
-
Information about your transactions with us
-
Information about your transactions with nonaffiliated third parties
-
Information from a consumer reporting agency
The Confidentiality, Security, And Integrity Of Your Nonpublic
Personal Information
We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or services
to you. We maintain physical, electronic, and procedural safeguards
that comply with federal standards to guard your nonpublic personal information.
Nonpublic Personal Information And Other Parties
We do not disclose your nonpublic personal information to anyone, except
as permitted by law or as disclosed in this disclosure.
Nonpublic Personal Information And Former Customers
We do not disclose nonpublic personal information about former customers,
except as permitted by law.
Authorized Sharing - Joint Marketing
We may disclose the following information to other financial institutions
with whom we have joint marketing agreements:
Nonpublic personal information we receive from you on an application
or other forms, such as
-
Name
-
Address
-
Social Security number
Nonpublic personal information about your transactions with us,
such as
-
Name
-
Address
-
Account balances
-
Account activity
-
Types of accounts
-
Credit card usage
-
Payment history
-
Deposit history
Nonpublic personal information we receive from a credit reporting
agency, such as
-
Creditworthiness
-
Credit history
Exceptions:
We do not share this information about customers who reside in Alabama,
Alaska, Idaho, Illinois, North Dakota, or Vermont.
We do not share any information derived from deposit relationships
with us about customers who reside in Massachusetts, Mississippi, or New
Jersey.
The only information we share about our customers from Tennessee is
name and address.
Types of Businesses
Here are the types of businesses with whom we may disclose nonpublic
personal information under this section:
-Financial service providers, such as
-
Securities broker-dealers
-
Credit card companies
-
Insurance companies
Reason For Disclosing
Here is why we may disclose nonpublic personal information about you
to other financial institutions with whom we have joint marketing agreements:
-
To provide our customers with information about additional products and
services.
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