President’s Letter: Winter 2015February 2, 2015

Dear Spencer Family:

I hope the beginning of this new year finds you and your family warm and well.

Last year was a truly momentous time for Spencer, filled with exciting growth, engaging community events, and promising new opportunities for all of our customers. Our newest addition now serving the Parsippany area marks the 20th branch location for our ever-expanding banking community. Our newest online and mobile applications have made accessing our services easier than could have ever been imagined a decade ago. And our amazing staff continues to raise the bar, as was especially evident during this past holiday season with an incredible response for both our Thanksgiving food drive and our toy drive donation collections.

In planning for the year ahead, it is with full confidence that I say Spencer Savings Bank will continue to exceed your expectations for just how impactful a community bank can be. With an unfaltering focus on banking excellence, expanding our service area, and remaining active in the community, we will continue to raise the bar.

I invite you to join us in making 2015 the most positive, productive, and prosperous year it can be. Together we can make it possible.

José B. Guerrero
Chairman, President & CEO

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