Welcome to. Banking in your best interest. A HELPFUL GUIDE FOR GCF BANK CUSTOMERS

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1 Welcome to Banking in your best interest. A HELPFUL GUIDE FOR GCF BANK CUSTOMERS

2 Welcome to Investors Bank! We re So Pleased to Welcome Our GCF Bank Customers into the Investors Bank Family! As a loyal GCF customer, you ve come to expect excellent service from your bank, and you can count on the same great banking experience with us. But as a new Investors Bank customer, you ll also have access to many additional products, services and branches to make banking even easier and more convenient. You ll find all the details about your new banking relationship in this welcome package, along with important information about the upcoming conversion. Our goal is to make your transition as easy and seamless as possible. And of course, we re available to answer your questions. Once again, welcome! We look forward to serving you. CONTENTS About Investors Bank... 3 About the Conversion Investors Bank Locations... 4 What You Need to Know... 5 Personal Banking... 8 Business Banking Home Loans Investors Financial Group Investing in the Community iBank4U ( )

3 About Investors Bank Turning Customers into Investors Investors Bank is an independent, full-service community bank operating over 125 branches across New Jersey and New York. With more than $15.6 billion in assets, we have the size, scope and talent to deliver products and services that are competitive with larger institutions. Yet as a community bank we still place a premium on personal service and attention to each customer. In addition, our Charitable Foundation supports local and regional organizations that enrich the quality of life in the communities we serve. About the Conversion WHEN WILL IT HAPPEN? The conversion is scheduled to be completed on Monday, June 9th. Between now and then, you ll receive your new debit or ATM card through a separate mailing, and instructions for accessing your accounts online through myinvestorsbank.com. HOW WILL IT IMPACT YOU? As part of the Investors Bank family, you ll still receive all the great service and benefits you ve come to expect from GCF Bank. But you ll also have access to more banking products and services to help you manage money, build wealth and simplify your financial life. WHAT WILL HAPPEN TO MY GCF BRANCH? You can continue banking at the same branch most or all of the familiar faces will still be there to provide you with personal service and attention. But as part of Investors Bank, you ll also have access to over 125 additional branches, numerous ATMs, as well as 24-hour mobile and online banking, helping to make your banking experience even more convenient. myinvestorsbank.com 3

4 Investors Bank Locations With over 125 full-service retail branches, Investors Bank is committed to offering a full-range of products and services to support customers in reaching their financial objectives. Current Investors Bank Locations Can t Get To a Branch? You may also contact the Investors Client Care Center at 855-iBank4U ( ). Our well-trained specialists provide bilingual customer service support for Deposit Accounts, ATM/Debit Cards, Online Banking and consumer loans. Specialists are happy to answer questions, troubleshoot problems, and help with any other inquiries you may have. The Client Care Center hours of operation are: Mon. Fri. 7:30AM 8:00PM Sat. 8:00AM 2:30PM iBank4U ( )

5 What You Need to Know We know that you may have questions about the upcoming changes, including how you will be able to access your accounts after the conversion on June 9th. The next few pages should address most of your concerns. Of course, you can call us for more information. General Questions WHEN CAN I START USING INVESTORS BANK BRANCHES? Once the merger is complete, you can start using any of our 125+ branches. GCF Bank will close on Friday, June 6th at 3:00PM and will reopen as Investors Bank on Monday, June 9th, with normal business hours. WILL MY CURRENT GCF BANK BRANCH REMAIN OPEN? Yes, all GCF Bank branches will close at 3:00PM, Friday June 6th, and will open as Investors Bank branches on Monday, June 9th, with normal business hours. WILL THE CURRENT GCF BANK STAFF REMAIN THE SAME? Yes, the current branch staff is expected to remain the same. You ll see the same friendly faces when the branches open as Investors Bank. WHERE ARE THE OTHER INVESTORS BANK BRANCHES, AND WHAT ARE THEIR HOURS? To see all Investors locations in New Jersey and New York and their hours, visit myinvestorsbank.com and click on the Branch Locations tab at the top right corner. Or call the Investors Client Care Center at 855-iBank4U ( ). ARE MY DEPOSITS WITH INVESTORS BANK FDIC INSURED? Yes. Customer deposits with Investors Bank are FDIC insured up to the maximum legal limit of $250,000. In addition, the transaction accounts of GCF continue to be insured separately for at least six months after the conversion date. Certificates of Deposit will also be insured for six months. If the term of a Certificate of Deposit exceeds the six months, the additional FDIC insurance will continue until the certificate maturity date. For more information, visit myinvestorsbank.com 5

6 What You Need to Know (continued) Deposit Account Questions WILL MY ACCOUNT NUMBER(S) REMAIN THE SAME? Most account numbers are not changing. Please see the enclosed Account Summary insert for a listing of your account(s). WHAT WILL HAPPEN TO DIRECT DEPOSIT OF PAY OR SOCIAL SECURITY PAYMENTS GOING INTO MY ACCOUNT VIA THE ACH SYSTEM? There will be no interruption in any current ACH electronic transfers, and your ACH credits will continue to be deposited into your account. Please note that for any recurring debit card payments (i.e., a health club membership with automatic monthly payments) you must provide your new card information to the receiver. HOW DO I SET UP WIRE TRANSFERS? Starting June 9th, please instruct senders to begin using Investors Bank routing number for inbound wire transfers to your account. WILL I RECEIVE A NEW ATM AND/OR DEBIT CARD? Yes. If you currently have an active GCF ATM or Debit Card you will receive a new Investors ATM or Visa Check Card prior to conversion. You will also receive a new Personal Identification Number (PIN) in a separate mailing. Please continue using your existing GCF Bank ATM or Debit Card until June 9th, at which time you can activate your new Investors card. WILL THERE BE ANY DISRUPTION WITH EXISTING ATM MACHINES? GCF Bank ATM machines will be out of service sporadically during the week prior to the conversion. You may conduct transactions at your branch (until 3:00PM, June 6th) if your ATM isn t working. Please note: Beginning Thursday, June 5th, you will be unable to make deposits at these ATMs until Monday, June 9th. CAN I USE MY CURRENT GCF CHECKS? You may continue to use your GCF checks. When you are ready to order a new supply of Investors Bank checks, contact your local branch or call 855-iBank4U ( ) WILL MY OVERDRAFT LINE OF CREDIT CONTINUE? If you currently have GCF s Overdraft Line of Credit, it will continue in effect in accordance with the terms of your promissory note. Please refer to the Important Dates insert for final important dates related to the conversion iBank4U ( )

7 Still Have Questions? contact: iBank4U ( ) hours: Mon. Fri. 7:30AM 8:00PM Sat. 8:00AM 2:30PM WILL I STILL HAVE OVERDRAFT PROTECTION? If you currently have Overdraft Protection on your GCF Checking Account for check, ACH or ATM and Debit Card Transactions, you will continue to have this protection through our Overdraft Privilege Program. Consumer overdraft protection limits at Investors are: Free Checking: $600; Edge Checking: $1,000. Overdraft limits for Business Accounts will remain $1,500. WHAT WILL HAPPEN TO MY ACCOUNT LOAN? If you have an Account Loan with GCF, it will continue in effect in accordance with the terms of your promissory note. WILL I NEED TO REREGISTER FOR ONLINE BANKING? If you currently use Bill Payment, there is no need to register. Your payees will transfer to Investors Bank. If you use online banking, you will receive a separate mailing with log in instructions and other information you will need to bank and pay bills online after the conversion. CAN I CONTINUE TO USE TELEPHONE BANKING? GCF Telephone Banking will be unavailable as of 3:00PM on June 6th. Investors Telephone Banking will be available on Monday, June 9th. Simply call us toll-free at to sign up for this free service. You will need your account number as well as the last four (4) digits of the primary account owner s Social Security number. WILL I RECEIVE A FINAL GCF BANK STATEMENT? GCF Bank will issue a final statement for all checking, statement savings and money market accounts on Friday, June 6th. You ll get your first Investors statement at the end of June or the middle of July, depending on your account s statement cycle. WILL I CONTINUE TO RECEIVE E-STATEMENTS? If you currently receive e-statements through your GCF Online Banking access, you ll be required to reregister for this service through Investors Online SM Banking to accept our Terms and Conditions. E-Statement service will not continue if you don t register your account(s). WILL THERE BE ANY CHANGES TO MY INDIVIDUAL RETIREMENT ACCOUNTS? If you have an IRA account, as of June 9th Investors Bank will become the new custodian/trustee of your plan. myinvestorsbank.com 7

8 Personal Banking More Products and Services to Meet Your Banking Needs At Investors Bank, you ll enjoy many Personal Banking products and services designed to help you build wealth and manage your personal finances more easily. With a wide range of savings accounts, investment options, retirement accounts and interest-bearing checking accounts, we re dedicated to helping all of our customers become investors. Our Personal Banking products and services include: CHECKING From Free Checking to Preferred Checking, we offer plenty of choices to suit your lifestyle and financial needs. SAVINGS Our many savings accounts provide all the options you need to save money regularly and build wealth. PREFERRED BANKING Preferred Banking offers reward points, free services, higher interest on your money and lots of extras. RETIREMENT We offer a number of ways to fund a traditional or Roth IRA plan to help you put away more money for retirement. CDs Our CD products give you freedom of choice with deposit commitments from 91 days to 10 years. Customer deposits with Investors Bank are FDIC insured up to the maximum legal limit of $250,000 per depositor. CREDIT CARDS Enjoy a wide range of benefits, competitive rates and your choice of rewards programs. You can even get a card with your favorite photo on it! ONLINE BANKING Our free Investors Online SM Banking and Bill Pay makes it easy to manage your accounts online or with a mobile device. Please take a moment to review the many account options available to you at Investors Bank. If you see an account that interests you, please give us a call and we will be pleased to help you select the best account for you iBank4U ( )

9 PERSONAL BANKING PRODUCT OVERVIEW Account Name Minimum Balance to Open Account Minimum Balance to Earn Interest Minimum Balance to Waive Fee Card Access Preferred Checking $50 $1 $5,000 * to waive fee of $10 Visa Preferred with Rewards Free Checking $25 N/A None Visa Classic Edge Checking Investors Money Market Statement Savings Passbook Savings $50 $500 $500 to waive fee of $7.50 $50 $500 $500 to waive fee of $7.50 $50 $50 $50 to waive fee of $3 $50 $50 $50 to waive fee of $3 Visa Classic Optional ATM Card/VISA Debit Card available with Checking Account Optional ATM Card/VISA Debit Card available with Checking Account N/A IRA Savings $1 $1 $0 N/A Certificates of Deposit (CDs) $500 $0.01 N/A N/A Investors Bank will be waiving monthly maintenance fees for six statement cycles, through December Learn more at myinvestorsbank.com. * Combined in Preferred Checking and/or Savings, and/or Money Market. Or $15,000 when you add a CD and/or Home Equity Loan/Line of Credit myinvestorsbank.com 9

10 Business Banking Everything You Need to Help Your Business Thrive At Investors Bank, we know how hard you work to manage your business. Our job is to give you more tools, products and services to make your job easier. From getting capital when you need it to services that help you streamline financial management, we have what you need to help your business succeed. Our business banking products and services include: DEPOSIT SERVICES From Deposit Accounts to Workplace Banking and Professional Services, our deposit services can help you find better ways to do business day to day. LENDING SOLUTIONS Our lending solutions Business Loans and Lines and Commercial Real Estate provide credit solutions with the capital and flexibility you need to grow your business. CASH MANAGEMENT We offer many services to help you better manage cash flow and streamline business processes, including Payroll Services, Business Sweep Accounts and ACH Origination. ONLINE BANKING & BILL PAY Commercial Online SM Banking and Bill Pay is a complete cash management solution that can be customized to suit the needs of your business. PAYROLL SOLUTIONS Our partnership with Liberty Payroll Solutions can help you grow your business, providing you with a customized solution for payroll processing, tax filing, human resources assistance and more, all with the highest level of service and value you need. REMOTE DEPOSIT Make deposits to your checking account quickly and easily without leaving your desk. Simply use our remote deposit scanner to capture and send check images anytime before 7:00PM EST for same-day deposit. MERCHANT SERVICES We ve partnered with TransFirst, one of the nation s leading payment processors, to bring you in-depth industry expertise and cutting-edge technology for merchant solutions iBank4U ( )

11 BUSINESS PRODUCTS Account Name Minimum Balance to Open Account Minimum Balance to Earn Interest Minimum Balance to Waive Fee Card Access Small Business Checking $100 N/A No monthly service fees Visa Business with Rewards Commercial Checking Business Money Market Not for Profit Checking $100 N/A $15 offset by earnings credits $100 $0.01 $2,500 minimum balance to avoid monthly service fee $50 $0.01 No monthly service fees Visa Business with Rewards Not available Visa Business with Rewards Learn more at myinvestorsbank.com/home/business. myinvestorsbank.com 11

12 Home Loans Still Have Questions? contact: iBank4U ( ) hours: Mon. Fri. 7:30AM 8:00PM Sat. 8:00AM 2:30PM Financial Solutions for Your Biggest Investment Owning a home can be a great investment and a wonderful way to build your financial future. That s why Investors Bank offers a variety of mortgage and home equity products to meet a wide range of needs. MORTGAGES Whether you re buying a new home or refinancing your mortgage, we offer a wide variety of exceptional mortgage products through Investors Home Mortgage, a wholly owned subsidiary of Investors Bank. Contact one of our Professional Mortgage Consultants by calling to learn more about all the options available to you for buying a first or second home or an investment property, or refinancing your mortgage at more advantageous terms. HOME EQUITY Your home s equity also provides a smart, low-cost opportunity to borrow money for home improvements, college tuition and other worthwhile purposes with the added advantage of a possible tax deduction. * Investors Bank Home Equity loan products include: Fixed Rate Equity Loans up to $500,000 Equity Lines of Credit from $10,000 to $500,000 Special Home Improvement Loans up to $10,000 for low- and moderate income customers Homeowner Consumer Loans up to $10,000 with little or no equity required * Consult your tax advisor regarding the deductibility of interest and charges iBank4U ( )

13 Investors Financial Group Manage All Your Financial and Investment Accounts in One Place Investors Financial Group offers investment professionals right in your branch office to help you choose the right investment opportunities for your financial goals. As a wholly owned subsidiary of Investors Bank, Investors Financial Group is dedicated to providing the information and education as well as the products and services to help all our customers become confident investors. INSURANCE POLICIES From term life to permanent life insurance products, we offer a range of options that can help you protect your family s financial future. 401(K) ROLLOVER 401(k) rollovers are complicated. Our financial representatives can help you determine the most advantageous options for your 401(k). MUTUAL FUNDS We offer access to a wide range of mutual funds that can help you build wealth and plan for the future while investing with a level of risk that feels comfortable to you. STOCKS Stocks can be an excellent way to build wealth and diversify your portfolio. IRAS An individual retirement account, or IRA, is an excellent way to save money for retirement. Our representatives can help you choose the best IRA traditional, Roth, SEP or SIMPLE for your goals and your financial situation. BONDS Bonds are another excellent investment option for a well-balanced portfolio. Investors Financial Group is a wholly owned subsidiary of Investors Bank. Securities and advisory services are offered through Essex National Securities, LLC., member FINRA/SIPC and a Registered Investment Advisor. Insurance products are offered through Essex National Insurance Agency, Inc. Neither entity is affiliated with Investors Bank. myinvestorsbank.com 13

14 Investing in the Community Helping Build Stronger Communities in New Jersey and New York Investors Bank employees are people who care deeply about their families, their work and their community. Here are some examples of recent events that show how we re promoting a higher quality of life in communities throughout New Jersey and New York iBank4U ( )

15 myinvestorsbank.com 15

16 101 JFK Parkway Short Hills, NJ Investors Client Care Center Inside the U.S iBank4U ( ) Outside the U.S Hours: Monday Friday 7:30AM 8:00PM Saturday 8:00AM 2:30PM myinvestorsbank.com EQUAL HOUSING LENDER Member FDIC

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