Banking in your best interest. Welcome to

Welcome to
Banking in your best interest.
A HELPFUL GUIDE
FOR GCF BANK CUSTOMERS
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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Home Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Investors Financial Group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Investing in the Community . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
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855.iBank4U (422.6548)
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
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.
urrent Investors
C
Bank Locations
Can’t Get To a Branch?
You may also contact the Investors
Client Care Center at 855-iBank4U
(855.422.6548). 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:
4
Mon.–Fri. 7:30AM–8:00PM
Sat. 8:00AM–2:30PM
855.iBank4U (422.6548)
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 (422.6548).
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 www.fdic.gov/deposits/unlimited/expiration.html.
myinvestorsbank.com
5
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 221272031 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
(422.6548)
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.
6
855.iBank4U (422.6548)
Still Have Questions?
contact:1.855-iBank4U
hours:
(422.6548)
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 1.888.444.4466 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 OnlineSM
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
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 OnlineSM 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.
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855.iBank4U (422.6548)
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
$50
$500
$500 to waive Visa Classic
fee
of $7.50
Investors
Money
Market
$50
$500
$500 to waive Optional ATM
fee
Card/VISA
of $7.50
Debit Card
available with
Checking
Account
Statement
Savings
$50
$50
$50 to waive
fee of $3
Optional ATM
Card/VISA
Debit Card
available with
Checking
Account
Passbook
Savings
$50
$50
$50 to waive
fee of $3
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 2014.
Learn more at myinvestorsbank.com.
ombined in Preferred Checking and/or Savings, and/or Money Market. Or $15,000
C
when you add a CD and/or Home Equity Loan/Line of Credit
*
myinvestorsbank.com
9
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 OnlineSM Banking
and Bill Pay is a complete cash
management solution that can be
customized to suit the needs of
your business.
10
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.
855.iBank4U (422.6548)
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
$100
N/A
$15 offset
by earnings
credits
Visa Business
with Rewards
Business
Money
Market
$100
$0.01
$2,500
minimum
balance
to avoid
monthly
service fee
Not available
Not for Profit
Checking
$50
$0.01
No monthly
service fees
Visa Business
with Rewards
Learn more at myinvestorsbank.com/home/business.
myinvestorsbank.com
11
Home
Loans
Still Have Questions?
contact:1.855-iBank4U
hours:
(422.6548)
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 888.256.4447 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:
• F ixed Rate Equity Loans up to $500,000
•E
quity Lines of Credit from $10,000 to $500,000
•S
pecial Home Improvement Loans up to $10,000
for low- and moderate income customers
•H
omeowner Consumer Loans up to $10,000 with
little or no equity required
Consult your tax advisor regarding the deductibility of interest and charges.
*
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855.iBank4U (422.6548)
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.
STOCKS
Stocks can be an excellent way to
build wealth and diversify your portfolio.
IRAS
An individual retirement account, or
401(K) ROLLOVER
IRA, is an excellent way to save money
401(k) rollovers are complicated. Our for retirement. Our representatives
financial representatives can help you can help you choose the best IRA—
determine the most advantageous
traditional, Roth, SEP or SIMPLE—for
options for your 401(k).
your goals and your financial situation.
MUTUAL FUNDS
BONDS
We offer access to a wide range of
Bonds are another excellent investment
mutual funds that can help you build option for a well-balanced portfolio.
wealth and plan for the future while
investing with a level of risk that feels
comfortable to you.
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
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.
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855.iBank4U (422.6548)
myinvestorsbank.com
15
101 JFK Parkway • Short Hills, NJ • 07078
Investors Client Care Center
Inside the U.S. 1.855.iBank4U (1.855.422.6548)
Outside the U.S. +1.973.924.5100
Hours: Monday–Friday 7:30AM–8:00PM
Saturday 8:00AM–2:30PM
myinvestorsbank.com
EQUAL HOUSING LENDER
Member FDIC