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.

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 and Account balances
• Transaction history and Credit history
• Mortgage rates and payments and Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

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 ESSA Bank & Trust and ESSA Advisory Services, LLC. chooses to share; and whether you can 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

No

We don't share

For our affiliates' everyday business purposes –
information about your creditworthiness

No

We don't share

For our affiliates to market to you

No

We don't share

For our non-affiliates to market to you

No

We don't share

Call 800-439-0715 or 570-421-0531 or go to www.essabank.com.

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.

We collect your personal information, for example, when you

• Open an account or Use your Credit or debit card
• Apply for financing or Give us your contact information
• Show your driver’s license

We also collect your personal information from others, such as credit bureaus or other companies.

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.

Companies related by common ownership or control. They can be financial and non-financial companies.

• ESSA Bank & Trust and ESSA Advisory Services, LLC. does not share with our affiliates. Our affiliates include ESSA Advisory Services, LLC.

Companies not related by common ownership or control. They can be financial and non-financial companies.

• ESSA Bank & Trust and ESSA Advisory Services, LLC. does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include investment companies, insurance companies, and other financial institutions.