President’s Letter: Spring 2016March 25, 2016

Dear Spencer Family:

Spring is finally here! After enduring another cold winter, we hope you take advantage of all this beautiful season has to offer.

We have another great issue of our newsletter, with everything from tax refund tips to details on our special homeowner loan program. We have also included some very important ATM and debit card safety tips, plus highlights from our recent efforts in helping Special Olympics New Jersey, the American Cancer Society, and the EverFi Financial Scholars program. Don’t miss our branch spotlight with North Caldwell manager, Madeline Zega.

Most importantly, we hope you will take the opportunity to get outside, bask in the warm weather, meet new people, and help those in need at local fundraisers. We must all do our part in the community!

Whether you’re looking to finance a major home improvement, purchase a new home, or simply check your balance on a mobile device, the Spencer team is here for all of your personal and business banking needs. As always, I extend my sincerest thanks to you for choosing Spencer. We are truly grateful for the opportunity to serve you.

José B. Guerrero
Chairman, President and CEO

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