President’s Letter: Fall 2014November 26, 2014

Dear Spencer Family:

In my 35 years with Spencer, I have had numerous occasions on which to take deep pride in our team and all they do. As I look at the many ways in which the Spencer family is working hard not just to deliver superior banking, but to have true community impact, that feeling of pride is greater than ever. From Making Strides Against Breast Cancer to endless charitable 5K’s, movie nights, and fundraisers, each day at Spencer is one in which we can – and do – make a real difference.

There has always been something unique about the way we do business. Being an integrated part of the regions we serve is a big part of that. It’s why I’ve stayed loyal to this organization for so many years, as have many others too numerous to list, but all greatly appreciated.

People here care, and it makes coming to work each day a reward. For those of you joining us from NJM Bank, I am confident that you will quickly see this commitment in action. We invite you to join us as we continue working hard each and every day in the service of our amazing communities.

José B. Guerrero
Chairman, President & CEO

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