President’s Letter: Spring 2015May 15, 2015

Dear Spencer Family:

Spring has finally sprung! After such a harsh winter, I know some well-deserved warm weather is just what we need around the Garden State. It’s time to dust off the rust and get ready for more action.

At Spencer, that means finally getting more opportunities to get outside our walls and into the communities we serve, with special events and exciting new opportunities. One is expanding our banking community to the Ewing area with our newest branch expected to open in August. As we continue to grow, Spencer Savings Bank makes every effort to ensure our commitment to service excellence is not lost in the balance.

This time of year always marks a rekindled uptick in spending, traveling, and overall optimism. I would encourage you to keep in mind those previous resolutions you’ve made to save more, spend less, and continue working toward a better financial future. Stay positive and place a focus on financial housekeeping before graduations, celebrations and new beginnings take hold.

Our entire focus remains on you: meeting your financial needs, empowering the community you are a part of, and helping unlock a new potential for your future. Seeing you succeed is our privilege, and helping you get there is our mission.

José B. Guerrero
Chairman, President and CEO

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