President’s Letter: Winter 2017December 23, 2017

Greetings Spencer Family,

We’ve had an exciting end of year! It is with great pride that I share with you Spencer’s acquisition of Wawel Bank. We are excited to welcome Wawel customers to the Spencer family and make them feel right at home. We know, with time, they’ll come to love everything at Spencer that both our employees and customers have valued for so long.

Our Winter 2017/2018 newsletter also highlights Spencer’s latest community activities. Giving back to the community is the core of what community banking is all about, and we are so proud to help our local families. Know that when you bank with us, you bank with a business that is fully invested in seeing your community grow and thrive.

Finally, we all know that the holiday season can be hard on anyone’s wallet. To help our customers better manage holiday debt, we offer a few simple tips. We also introduce CardValet, a service that can assist you with your personal spending and much more, and provide information on IRA’s, a great tax saving product and retirement planning tool.

We wish you a happy, healthy & prosperous new year. We look forward to spending another year with you, and thank you for being a true valued Spencer customer.


José B. Guerrero

Chairman, President and CEO


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