Gibraltar Bank opened its doors for business on March 21, 1909 as Gibraltar Building and Loan Association over an ice cream parlor in the Vailsburg section of the City of Newark, New Jersey. To a large degree, Gibraltar's longevity is attributable to management's philosophy of old-fashioned personalized service and conservative safe and sound lending as well as to the extra efforts put forth by dedicated employees and Boards of Directors, not to mention loyal customers. When opportunities were made available for expansion or when it was necessary to use shrinkage strategies to weather downturns in economic climate, the Bank acted. Through a Great Depression, two World wars, and the Savings & Loan crisis in the late 1980's, Gibraltar continued to pay dividends and make loans. Today we are Gibraltar Bank, a 100 year old institution, with offices in the counties of Essex and Morris in the proud state of New Jersey. We remain steadfast in our mission to provide FDIC insured deposits and promote homeownership. We have foregone, for the benefit of our customer, the fee income generated from offering uninsured investments where the principal is at risk or making loans that would put our borrower at risk of losing their home. Our rates are competitively priced as are our fees. We look forward to serving the next 100 years.

Fiserv CNS

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Eds 1158-NJ