ENB Financial (ENBP) 8-K Submission of Matters to a Vote of Security Holders

6

MEETING AGENDA

•Welcome

•Vote on Matters of the Proxy Statement

•Discussion of Condition of Company

ØPresident’s Remarks

ØFinancial Review

ØLending Review

ØENB’s Money Management Group

•Questions & Answers

•Vote Results

•Adjournment

7

PRESENTERS

•Aaron L. Groff, Jr.

ØPresident, CEO and Board Chairman - ENB Financial Corp
and Ephrata National Bank

•Paul W. Wenger

ØVice President and Corporate Secretary - ENB Financial Corp

•Scott E. Lied

ØTreasurer - - ENB Financial Corp

•Dale G. Burkholder

ØSenior Vice President and Senior Loan Officer - Ephrata National Bank

•William L. Barnett

ØVice President - ENB’s Money Management Group

8

VOTING PROCESS

Proxy Holders

•Janice S. Eaby

•John H. Shuey

Judges of Election

•Richard H. Binner

•Roger S. Kline

•William M. Rohrbach

9

MATTERS OF PROXY

•Elect four (4) Class A directors to serve
three-year terms

•Elect three (3) Class B directors to serve
two-year terms

•Elect three (3) Class C directors to serve
one-year terms

•Other Business

10

BOARD CLASSIFICATION

Purpose of classifying the directors:

•Structure better promotes continuity and
stability

•Encourages decision-making by board
members based on long-term results

11

CURRENT DIRECTORS

Class A Election (3 Year Term)

•Aaron L. Groff, Jr.

•J. Harold Summers

•Paul M. Zimmerman, Jr.

•Thomas H. Zinn

Class B Election (2 Year Term)

•Willis R. Lefever

•Donald Z. Musser

•Bonnie R. Sharp

Class C Election (1 Year Term)

•Susan Y. Nicholas

•Mark C. Wagner

•Paul W. Wenger

12

PRESIDENT’S REMARKS

•Aaron L. Groff, Jr.

ØPresident/CEO - - ENB Financial Corp

13

MISSION

•To remain an independent community bank of
undisputed integrity, serving the communities of
Northern Lancaster County and beyond.

•To offer state-of-the-art financial products and
services of high quality and value at an affordable
price.

•To provide unsurpassed personal service,
delivered by a highly dedicated professional team.

14

WE CARE

•Courteous

•Accurate

•Responsive

•Empowered

15

BANKING CLIMATE

16

STRATEGIC INITIATIVES

•Strategic Initiatives for 2010 - 2012

ØLoan Growth

ØStrengthen Capital

ØNon-Interest Income Improvement

ØIncrease Deposit Market Share in Lancaster County

17

FINANCIAL REVIEW

•Scott E. Lied

ØTreasurer - - ENB Financial Corp

18

DISCLOSURES

•Unaudited Financial Information

ØSome of the following slides do present financial
information that is unaudited. Therefore, this information is
subject to adjustments that could be necessary upon
completion of the annual audit.

•Forward Looking Statements

ØSome of the material and/or language used in this
presentation would be considered as a forward looking
statement. Management is not obligated to update these
forward looking statements.

19

NET INCOME

20

2009 SIGNIFICANT ITEMS

Net Interest Income	$858,000	increase
Other Income	$1,533,000	increase
Operating Expenses (net of FDIC assessment)	$1,191,000	decrease
FDIC Assessment	$792,000	increase
Provision Expense	$2,251,000	increase

21

NET INTEREST INCOME

22

OTHER INCOME

Data shown excludes securities gains and losses.

23

OPERATING EXPENSES

Graph represents operating expenses net of annual FDIC assessments.

24

FDIC ASSESSMENT

25

PROVISION EXPENSE

26

EARNINGS PER SHARE

27

DIVIDENDS PER SHARE

28

DIVIDEND COMPARISON

Bank Name	Current Dividend	Change from Dividend High (2006 - 2008)
Union National Community Bank	$0.00	-100.00%
Susquehanna Bank	$0.01	-95.65%
National Penn Bank	$0.01	-94.12%
Fulton Bank	$0.03	-83.33%
VIST Bank	$0.05	-75.00%
Ephrata National Bank	$0.24	-22.58%

29

SHAREHOLDER VALUE

	ENBP	SUSQ	FULT
Average Stock Price* - Oct 2008	$25.69	$17.12	$11.62
Average Stock Price* - Jul 2009	$24.83	$4.80	$6.05
Jul 2009 Price as % of Oct 2008 Price	97%	28%	52%
Average Stock Price* - Apr 2010	$20.58	$11.26	$11.46
Apr 2010 Price as % of Oct 2008 Price	80%	66%	99%
Current Dividend Yield on Investment	4.70%	0.40%	1.12%

*Average derived from weekly Monday high prices for the cited month.

30

PEER ANALYSIS

* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of1,198 banks.

Measurement	ENB	Peer*
Return on Average Assets (ROAA)	0.60%	0.19%
Net Interest Margin	3.49%	3.71%
Other Income	0.88%	0.74%
Operating Expense	2.81%	2.96%
Tier 1 Leverage Capital	9.56%	8.71%

31

FIRST QUARTER RESULTS

•Q1 2010

Ø$1,468,000 versus $1,081,000 (Q1 2009)

Ø35.8% increase

Ø3.0% balance sheet growth

32

LENDING REVIEW

•Dale G. Burkholder

ØSenior Vice President and Senior Lender -
Ephrata National Bank

33

CREDIT QUALITY

Measurement	ENB	Peer*
30 - 89 Days Past Due	0.20%	1.43%
90+ Days Past Due	0.17%	0.15%
Non-Accrual	1.42%	2.91%
Total Delinquencies	1.79%	4.49%
Net Losses to Average Total Loans	0.29%	1.09%

* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of1,198 banks.

34

LOAN PORTFOLIO MIX

Loan Type	ENB	Peer*
Construction and Development	4.99%	12.69%
Commercial Real Estate (CRE)	21.20%	30.84%
CRE Multi-Family	2.83%	2.57%
Commercial & Industrial	7.29%	13.42%
Loans to Municipalities	7.67%	0.51%
Farmland & Agricultural	14.26%	4.18%
1 - 4 Family Residential	38.83%	23.83%

* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of1,198 banks.

35

LOAN GROWTH

* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of1,198 banks.

36

ENB’S MONEY
MANAGEMENT GROUP

•William L. Barnett

ØVice President - ENB’s Money Management Group

37

STRATEGIC FOCUS

•Our Focus 2010-2011 and Beyond

•Target Prospects

•Services to Community

38

•Our Money Management Group Goals

ØBecome a trust and asset management group that
customers and non-customers automatically
recognize when the topic of money management
and investment arises.

ØProvide a solution to every customer or prospect
we meet

•In the community

•In our daily servicing

GOALS

39

QUESTIONS & ANSWERS

40

VOTING RESULTS

•Report of Election

ØPresented by Paul W. Wenger
Corporate Secretary - ENB Financial Corp

41

ADJOURNMENT

Please join us for refreshments

in the Hibshman Conference Room.

42