Gloucester County Federal Savings Bank
(Gateway Community Financial Corp.)
4/27/07
PROPOSED MAILING AND INFORMATIONAL MATERIALS
INDEX
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1. Dear Depositor Letter*

2. Dear Friend Letter - Eligible Account Holders who are no longer Depositors*

3. Dear Potential Investor Letter*

4. Dear Customer Letter - Used as a Cover Letter for States Requiring "Agent"
Mailing*

5. Stock Q&A (page 1 of 4)*

6. Stock Q&A (page 2 of 4)*

7. Stock Q&A (page 3 of 4)*

8. Stock Q&A (page 4 of 4)*

9. Stock Order Form (page 1 of 2)*

10. Stock Order Form Certification (page 2 of 2)*

11. Top of Stock Order Form*

12. Stock Order Form Guidelines*

13. OTS Guidance Letter*

14. Invitation Letter - Informational Meetings

15. Dear Subscriber/Acknowledgment Letter - Initial Response to Stock Order
Received

16. Dear Shareholder - Confirmation Letter

17. Dear Interested Investor - No Shares Available Letter

18. Welcome Shareholder Letter - For Initial Certificate Mailing

19. Dear Interested Subscriber Letter - Subscription Rejection

20. Letter for Sandler O'Neill Mailing to Clients*

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*Accompanied by a Prospectus
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1 through 13: Produced by the Financial Printer
14 through 20: Produced by the Conversion Center
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[Gateway Community Financial Corp.]

Dear Depositor:

Gateway Community Financial Corp., the holding company for Gloucester County
Federal Savings Bank, is offering shares of its common stock for sale in a
minority stock offering. We are raising capital to support Gloucester County
Federal Savings Bank's future growth.

As a qualifying account holder, you may take advantage of your nontransferable
rights to subscribe for shares of Gateway Community Financial Corp. common stock
on a priority basis, before any potential offering to the general public. The
enclosed prospectus describes the stock offering and the operations of
Gloucester County Federal Savings Bank, Gateway Community Financial Corp. and
Gateway Community Financial, MHC. If you wish to subscribe for common stock,
please complete the stock order and certification form and return it, along with
full payment for the shares (or appropriate instructions authorizing withdrawal
from a deposit account with Gloucester County Federal Savings Bank) to Gateway
Community Financial Corp. You may deliver your stock order form by mail using
the enclosed postage-paid "STOCK ORDER RETURN" envelope or by overnight delivery
to the stock information center address indicated on the front of the stock
order form. Hand delivery of stock order forms may be made only to the stock
information center located at 381 Egg Harbor Rd., Sewell, NJ. Stock order forms
-----------------
will not be accepted at any of our branch offices. Your order must be physically
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received (not postmarked) by Gloucester County Federal Savings Bank no later
than x:00 p.m., Eastern time, on Xxxxxx, June xx, 2007. Please read the
prospectus carefully before making an investment decision.

If you wish to use funds in your IRA at Gloucester County Federal Savings Bank
to subscribe for common stock, please be aware that federal law requires that
such funds first be transferred to a self-directed retirement account with a
trustee other than Gloucester County Federal Savings Bank. However, if you
intend to use other funds to subscribe for common stock due to your eligibility
as an IRA account holder, you need not close and transfer the IRA account. The
transfer of such funds to a new trustee takes time, so please make arrangements
as soon as possible.

If you have any questions after reading the enclosed material, please call our
stock information center at 856-269-9985, Monday through Friday, between the
hours of 10:00 a.m. and 4:00 p.m., Eastern time.

Sincerely,

Robert C. Ahrens
President and Chief Executive Officer

The shares of common stock being offered are not savings accounts or deposits
and are not insured or guaranteed by Gloucester County Federal Savings Bank,
Gateway Community Financial Corp., Gateway Community Financial, MHC, the Federal
Deposit Insurance Corporation or any other government agency.

This is not an offer to sell or a solicitation of an offer to buy common stock.
The offer is made only by the prospectus.

[Gateway Community Financial Corp.]

Dear Friend of Gloucester County Federal Savings Bank:

As a former account holder, you may take advantage of your nontransferable
rights to subscribe for shares of Gateway Community Financial Corp. common stock
on a priority basis, before any potential offering to the general public. The
enclosed prospectus describes the stock offering and the operations of
Gloucester County Federal Savings Bank, Gateway Community Financial Corp. and
Gateway Community Financial, MHC. If you wish to subscribe for common stock,
please complete the stock order and certification form and return it, along with
full payment for the shares (or appropriate instructions authorizing withdrawal
from a deposit account with Gloucester County Federal Savings Bank) to Gateway
Community Financial Corp. You may deliver your stock order form by mail using
the enclosed postage-paid "STOCK ORDER RETURN" envelope or by overnight delivery
to the stock information center address indicated on the front of the stock
order form. Hand delivery of stock order forms may be made only to the stock
information center located at 381 Egg Harbor Rd., Sewell, NJ. Stock order forms
-----------------
will not be accepted at any of our branch offices. Your order must be physically
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received (not postmarked) by Gloucester County Federal Savings Bank no later
than x:00 p.m., Eastern time, on Xxxxxx, June xx, 2007. Please read the
prospectus carefully before making an investment decision.

Sincerely,

Robert C. Ahrens
President and Chief Executive Officer

This is not an offer to sell or a solicitation of an offer to buy common stock.
The offer is made only by the prospectus.

[Gateway Community Financial Corp.]

Dear Potential Investor:

We are pleased to provide you with the enclosed material in connection with the
stock offering by Gateway Community Financial Corp. We are raising capital to
support Gloucester County Federal Savings Bank's future growth.

This information packet includes the following:

PROSPECTUS: This document provides detailed information about the
operations of Gloucester County Federal Savings Bank, Gateway Community
Financial Corp. and Gateway Community Financial, MHC and the proposed
stock offering by Gateway Community Financial Corp. Please read it
carefully before making an investment decision.

STOCK ORDER & CERTIFICATION FORM: Use this form to subscribe for common
stock and return it, along with full payment for the shares (or
appropriate instructions authorizing withdrawal from a deposit account
with Gloucester County Federal Savings Bank), to Gateway Community
Financial Corp. You may deliver your stock order form by mail using the
enclosed postage-paid "STOCK ORDER RETURN" envelope or by overnight
delivery to the stock information center address indicated on the front
of the stock order form. Hand delivery of stock order forms may be made
only to the stock information center located at 381 Egg Harbor Rd.,
Sewell, NJ. Stock order forms will not be accepted at any of our branch
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offices. Your order must be physically received (not postmarked) by
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Gloucester County Federal Savings Bank no later than 4:00 p.m., Eastern
time, on Xxxxxx, June xx, 2007.

We are pleased to offer you this opportunity to become one of our shareholders.
If you have any questions regarding the stock offering or the prospectus, please
call our stock information center at 856-269-9985, Monday through Friday,
between the hours of 10:00 a.m. and 4:00 p.m., Eastern time

Sincerely,

Robert C. Ahrens
President and Chief Executive Officer

This is not an offer to sell or a solicitation of an offer to buy common stock.
The offer is made only by the prospectus.

[Sandler O'Neill & Partners, L.P.]

Dear Customer of Gloucester County Federal Savings Bank:

At the request of Gloucester County Federal Savings Bank and its holding
company, Gateway Community Financial Corp., we have enclosed material regarding
the offering of common stock by Gateway Community Financial Corp. These
materials include a prospectus and a stock order form, which offer you the
opportunity to subscribe for shares of common stock of Gateway Community
Financial Corp.

Please read the prospectus carefully before making an investment decision. If
you decide to subscribe for shares, you must return the properly completed and
signed stock order form and signed certification form, along with full payment
for the shares (or appropriate instructions authorizing withdrawal from a
deposit account with Gloucester County Federal Savings Bank) to Gateway
Community Financial Corp. You may deliver your stock order form by mail using
the enclosed postage-paid "STOCK ORDER RETURN" envelope or by overnight delivery
to the stock information center address indicated on the front of the stock
order form. Hand delivery of stock order forms may be made only to the stock
information center located at 381 Egg Harbor Rd., Sewell, NJ. Stock order forms
-----------------
will not be accepted at any of our branch offices. Your order must be physically
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received (not postmarked) by Gloucester County Federal Savings Bank no later
than x:00 p.m., Eastern time, on Xxxxxx, June xx, 2007. If you have any
questions after reading the enclosed material, please call the stock information
center at 856-269-9985, Monday through Friday, between the hours of 10:00 a.m.
and 4:00 p.m., Eastern time and ask for a Sandler O'Neill representative.

We have been asked to forward these documents to you in view of certain
requirements of the securities laws of your jurisdiction. We should not be
understood as recommending or soliciting in any way any action by you with
regard to the enclosed material.

Sandler O'Neill & Partners, L.P.

This is not an offer to sell or a solicitation of an offer to buy common stock.
The offer is made only by the prospectus.

Enclosures

Questions & Answers About the Stock Issuance
Gateway Community Financial Corp.

Questions & Answers
About the Stock Issuance

Effect on Deposits and Loans

Q. Will the offering affect any of my deposit accounts or loans?

A. No. The offering will have no effect on the balance or terms of any deposit
account. Your deposits will continue to be federally insured to the fullest
extent permissible by law. The terms, including interest rate, of your
loans with us will also be unaffected by the offering.

About The Common Stock

Investment in common stock involves certain risks. For a discussion of these
risks and other factors, investors are urged to read the accompanying
prospectus, particularly the section entitled "Risk Factors".

Q. Who can purchase stock?

A. The common stock of Gateway Community Financial Corp. will be offered in
the Subscription Offering in the following order of priority:

1. Eligible Account Holders - depositors of Gloucester County Federal
Savings Bank with accounts totaling $50 or more on the close of
business December 31, 2005;

2. Gloucester County Federal Savings Bank Employee Stock Ownership Plan;

3. Supplemental Eligible Account Holders - depositors of Gloucester
County Federal Savings Bank with accounts totaling $50 or more on the
close of business March 31, 2007.

Upon completion of the subscription offering, common stock that is not sold
in the subscription offering, if any, will be offered first to certain
members of the general public in a community offering and then, to the
extent any shares remain, to the general public in a syndicated community
offering and/or an underwritten public offering.

Q. Am I guaranteed to receive shares by placing an order?

A. No. It is possible that orders received during the offering period will
exceed the number of shares being sold. Such an oversubscription would
result in shares being allocated among subscribers starting with
subscribers who are Eligible Account Holders. If the offering is
oversubscribed in the subscription offering, no orders received in the
community offering will be filled.

Q. Will any account I hold with the Bank be converted into stock?

A. No. All accounts remain as they were prior to the offering.

Q. How many shares of stock are being offered, and at what price?

A. Gateway Community Financial Corp. is offering for sale up to 3,105,000
shares of common stock at a subscription price of $10 per share. Under
certain circumstances, Gateway Community Financial Corp., may increase the
maximum and sell up to 3,570,750 shares.

Q. How much stock can I purchase?

A. The minimum purchase is $250 (25 shares). As more fully discussed in the
plan of stock issuance described in the prospectus, the maximum purchase by
any individual in the subscription or community offering is $150,000
(15,000 shares); no person by himself or herself, with an associate or
group of persons acting in concert, may purchase more than $250,000 (25,000
shares) of common stock in the offering.

Q. How do I order stock?

A. You may subscribe for shares of common stock by completing and returning
the stock order and certification form, together with your payment, either
by mail using the enclosed postage-paid "STOCK ORDER RETURN" envelope or by
overnight delivery to the stock information center address indicated on the
front of the stock order form. Hand delivery of stock order forms may be
made only to the stock information center located at 381 Egg Harbor Rd.,
Sewell, NJ. Stock order forms will not be accepted at any of our branch
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offices.
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Q. How can I pay for my shares of stock?

A. You can pay for the common stock by check, cash, money order, or withdrawal
from your deposit account or certificate of deposit at Gloucester County
Federal Savings Bank. Withdrawals from a deposit account or a certificate
of deposit at the Bank to buy common stock may be made without penalty. If
you choose to pay by cash, you must deliver the stock order and
certification form and payment in person to the main office of Gloucester
County Federal Savings Bank and it will be exchanged for a bank check or
money order. Please do not send cash in the mail.

Q. Can I borrow money from Gloucester County Federal Savings Bank to purchase
the Bank's stock?

A. No. Regulations prohibit the Bank from making loans to individuals to
purchase the Bank's stock. You may not submit a check, or authorize a
withdrawal, from funds drawn on a Gloucester County Federal Savings Bank
line of credit.

Q. When is the deadline to subscribe for stock?

A. An executed stock order form with the required full payment must be
physically received (not postmarked) by Gloucester County Federal Savings
Bank no later than x:00 p.m., Eastern time, on Xxxxxx, June xx, 2007.

Q. Can I subscribe for shares using funds in my IRA at Gloucester County
Federal Savings Bank?

A. Federal regulations do not permit the purchase of common stock with your
existing IRA account at Gloucester County Federal Savings Bank. To use such
funds to subscribe for common stock, you need to establish a "self
directed" trust account with an unaffiliated trustee. However, if you
intend to use other funds to subscribe for common stock due to your
eligibility as an IRA account holder, you need not close and transfer the
IRA account. Please call our stock information center if you require
additional information. The transfer of such funds takes time, so please
make arrangements as soon as possible.

Q. Can I subscribe for shares and add someone else who is not on my account to
my stock registration?

A. No. Federal regulations prohibit the transfer of subscription rights.
Adding the names of other persons who are not owners of your qualifying
account(s) will result in the loss of your subscription rights and could
result in legal action against you.

Q. Can I subscribe for shares in my name alone if I have a joint account?

A. Yes.

Q. Will payments for common stock earn interest until the offering closes?

A. Yes. Any payment made in cash or by check or money order will earn interest
at Gloucester County Federal Savings Bank's passbook savings rate from the
date of receipt to the completion or termination of the offering.
Depositors who elect to pay for their common stock by a withdrawal
authorization will receive interest at the passbook rate on the account
until the completion or termination of the offering.

Q. Will dividends be paid on the stock?

A. Gateway Community Financial Corp. has not yet established a cash dividend
policy or determined the amount that may be paid or when payments may
begin.

Q. Will my stock be covered by deposit insurance?

A. No.

Q. Where will the stock be traded?

A. Following the completion of the offering, our shares of common stock are
expected to trade on the Nasdaq Global Market under the symbol "GCFC."

Q. Can I change my mind after I place an order to subscribe for stock?

A. No. After receipt, your order may not be modified or withdrawn.

Additional Information

Q. What if I have additional questions or require more information?

A. Gateway Community Financial Corp.'s prospectus that accompanies this
brochure describes the offering in detail. Please read the prospectus
carefully before subscribing for stock. If you have any questions after
reading the enclosed material, you may call our stock information center at
856-269-9985, Monday through Friday, between the hours of 10:00 a.m. and
4:00 p.m., Eastern time. Additional material may only be obtained from the
stock information center.

To ensure that each purchaser in the subscription and community offering
receives a prospectus at least 48 hours before the applicable expiration date,
in accordance with Rule 15c2-8 of the Securities Exchange Act of 1934, as
amended, no prospectus will be mailed any later than five days prior to such
date or hand delivered any later than two days prior to such date.

The shares of common stock offered in the offering are not savings accounts or
deposits and are not insured or guaranteed by Gloucester County Federal Savings
Bank, Gateway Community Financial Corp., Gateway Community Financial, MHC, the
Federal Deposit Insurance Corporation or any other government agency.

This is not an offer to sell or a solicitation of an offer to buy common stock.
The offer is made only by the prospectus.

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Gateway Community Financial
Corp. [logo]
Subscription & Community
Offering
Stock Order Form
Gloucester County Federal Savings Expiration Date
Bank
Stock Information Center for Stock Order Forms:
381 Egg Harbor Road Xxxxxx, June xx, 2007
Sewell, NJ 08080 x:00 p.m., Eastern time
(856) 269-9985 (received not postmarked)
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IMPORTANT: A properly completed original stock
order form must be used to subscribe for common
stock. Copies of this form are not required to
be accepted. Please read the Stock Ownership
Guide and Stock Order Form Instructions as you
complete this form.
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(1) Number of Shares Subscription (2) Total Payment Due Minimum number of shares: 25 shares ($250.)
-------------------- ----------------------- Maximum number of shares: 15,000 shares ($150,000)
Price Maximum number of shares for associates or group:
-------------------- X 10.00 ----------------------- 25,000 shares ($250,000) See Instructions.
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(3) Employee/Officer/Director Information
[ ] Check here if you are an employee, officer or director of Gloucester County Federal Savings Bank or member of such
person's immediate family living in the same household.
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(4) Method of Payment by Check | |
Enclosed is a check, bank draft or money order payable to Gateway Total Check Amount | $ |
------------------- | |
Community Financial Corp. in the amount indicated in this box. | |
------------------------- | |
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(5) Method of Payment by Withdrawal - The undersigned authorizes withdrawal from the following account(s) at Gloucester
County Federal Savings Bank. There is no early withdrawal penalty for this form of payment. Funds in an
Individual Retirement Accounts maintained at Gloucester County Federal Savings Bank cannot be used unless special
transfer arrangements are made.
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Bank Use | Account Number(s) To Withdraw | | $ Withdrawal Amount
- -----------------------------------|-------------------------------------------|---|------------------------------------------------
| | $ |
- -----------------------------------|-------------------------------------------|---|------------------------------------------------
| | $ |
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(6) Purchaser Information
Subscription Offering - Check here and list account(s) below if you had:
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[ ] a. A deposit account(s) totaling $50 or more on the close of business December 31, 2005
("Eligible Account Holder").
[ ] b. A deposit account(s) totaling $50 or more on the close of business March 31, 2007 but are not an Eligible
Account Holder (Supplemental Eligible Account Holder).
Community Offering - Check here if you are:
------------------
[ ] c. A community member (Indicate county of residence in #9 below).
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PLEASE NOTE: FAILURE TO LIST ALL YOUR ACCOUNTS MAY RESULT IN THE LOSS OF PART OR ALL OF YOUR SUBSCRIPTION RIGHTS.
SEE REVERSE SIDE FOR ADDITIONAL SPACE.
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Bank Use | Account Number(s) | Account Title (Name(s) on Account)
- -----------------------------------|-------------------------------------------|----------------------------------------------------
| |
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| |
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(7) Form of Stock Ownership & SS# or Tax ID#: | SS#/Tax ID#
[ ] Individual [ ] Joint Tenants [ ] Tenants in Common [ ] Fiduciary (i.e., trust,estate) |___________________________________
[ ] Uniform Transfers to Minors Act[ ] Company/Corporation/ [ ] IRA or other qualified plan | SS#/Tax ID#
(Indicate SS# of Minor only) Partnership (Both Tax ID# & SS# for only) ____________________________________
Partnership IRAs)
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(8) Stock Registration & Address:
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Name and address to appear on stock certificate. Adding the names of other persons who are not owners of your qualifying
account(s) will result in the loss of your subscription rights.
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Name:
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Name
Continued:
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Mail to-
Street:
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City: ## State: Zip Code:
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(9) Telephone ( ) -- ( ) -- County of
Daytime/Evening Residence
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(10) [ ] NASD Affiliation - Check here if you are a member of the (11) Associates/Acting in Concert - Check here
National Association of Securities Dealers, Inc. ("NASD"), a person and complete the reverse side of this form if you
affiliated, or associated, with a NASD member, (continued on reverse side) or any associates or persons acting in concert
with you have submitted other orders for shares.
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(12) Acknowledgement - To be effective, this stock order form must be properly completed and physically received (not
postmarked) by Gateway Community Financial Corp. no later than x:00 p.m., Eastern time, on Xxxxxx, June xx,
2007, unless extended; otherwise this stock order form and all subscription rights will be void. The undersigned
agrees that after receipt by Gateway Community Financial Corp, this stock order form may not be modified, withdrawn
or canceled without Gateway Community Financial Corp.'s consent and if authorization to withdraw from deposit
accounts at Gloucester County Federal Savings Bank has been given as payment for shares, the amount authorized for
withdrawal shall not otherwise be available for withdrawal by the undersigned. Under penalty of perjury, I hereby certify
that the Social Security or Tax ID Number and the information provided on this stock order form are true, correct
and complete and that I am not subject to back-up withholding. It is understood that this stock order form
will be accepted in accordance with, and subject to, the terms and conditions of the plan of stock issuance of Gateway
Community Financial Corp. described in the accompanying prospectus. The undersigned hereby acknowledges receipt of
the prospectus at least 48 hours prior to execution and delivery of this stock order form to Gateway Community
Financial Corp.
_________________
Federal regulations prohibit any person from transferring, or entering into any agreement, directly or | Bank Use
indirectly, to transfer the legal or beneficial ownership of subscription rights or the underlying -----------------
securities to the account of another. Gloucester County Federal Savings Bank, Gateway Community | |
Financial Corp. and Gateway Community Financial, MHC will pursue any and all legal and equitable remedies | |
in the event they become aware of the transfer of subscription rights and will not honor orders known by | |
them to involve such transfer. Under penalty of perjury, I certify that I am purchasing shares -----------------
solely for my account and that there is no agreement or understanding regarding the sale or transfer |
of such shares, or my right to subscribe for shares. |
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Signature Date Signature Date |
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SIGNATURE REQUIRED ON REVERSE SIDE ALSO

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Item (6) Purchaser Account Information continued:
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Bank Use Account Number(s) Account Title (Name(s) on Account)
----------------- ----------------------- ------------------------------------

----------------- ----------------------- ------------------------------------

----------------- ----------------------- ------------------------------------
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Item (10) NASD continued:
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a member of the immediate family of any such person to whose support such
person contributes, directly or indirectly, or the holder of an account in
which a NASD member or person associated with a NASD member has a beneficial
interest. You agree, if you have checked the NASD Affiliation box, to report
this subscription in writing to the applicable NASD member within one day of
payment therefor.
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Item (11) Associates/Acting In Concert continued:
If you checked the box in item #11 on the reverse side of this form, list
below all other orders submitted by you or associates (as defined below) or by
persons acting in concert with you (also defined below).
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Name(s) listed on other stock order forms Number of shares ordered
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---------------------------------------------------- -------------------------

---------------------------------------------------- -------------------------
Associate - The term "associate" of a particular person means:
---------

(1) a corporation or organization other than Gateway Community Financial, MHC,
Gateway Community Financial Corp. or Gloucester County Federal Savings Bank
or a majority owned subsidiary of Gateway Community Financial, MHC, Gateway
Community Financial Corp. or Gloucester County Federal Savings Bank of
which a person is a senior officer or partner or is, directly or
indirectly, the beneficial owner of 10% or more of any class of equity
securities of such corporation or organization;

(2) a trust or other estate in which a person has a substantial beneficial
interest or as to which a person serves as a trustee or a fiduciary; and

(3) any person who is related by blood or marriage to such person and who lives
in the same home as such person or who is a director or senior officer of
Gateway Community Financial, MHC, Gateway Community Financial Corp. or
Gloucester County Federal Savings Bank or any of their subsidiaries.

(4) any person acting in concert with the persons or entities specified above.

Acting in concert - The term "acting in concert" means:
-----------------

(1) knowing participation in a joint activity or interdependent conscious
parallel action towards a common goal whether or not pursuant to an express
agreement; or

(2) a combination or pooling of voting or other interests in the securities of
an issuer for a common purpose pursuant to any contract, understanding,
relationship, agreement or other arrangement, whether written or otherwise.

In general, a person who acts in concert with another party will also be
deemed to be acting in concert with any person who is also acting in concert
with that other party.

We may presume that certain persons are acting in concert based upon various
facts, among other things, joint account relationships and the fact that
persons may have filed joint Schedules 13D or 13G with the Securities and
Exchange Commission with respect to other companies.
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YOU MUST SIGN THE FOLLOWING CERTIFICATION IN ORDER TO PURCHASE STOCK
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CERTIFICATION FORM

I ACKNOWLEDGE THAT THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS NOT
FEDERALLY INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION,
AND IS NOT INSURED OR GUARANTEED BY GATEWAY COMMUNITY FINANCIAL, MHC, GATEWAY
COMMUNITY FINANCIAL CORP., GLOUCESTER COUNTY FEDERAL SAVINGS BANK, THE FEDERAL
GOVERNMENT OR BY ANY GOVERNMENT AGENCY. THE ENTIRE AMOUNT OF AN INVESTOR'S
PRINCIPAL IS SUBJECT TO LOSS.

If anyone asserts that this security is federally insured or guaranteed, or is
as safe as an insured deposit, I should call Robert Albanese, Regional Director
of the Northeast Regional Office of the Office of Thrift Supervision at (201)
413-1000.

I further certify that, before purchasing the common stock, par value $0.10 per
share, of Gateway Community Financial Corp. (the "Company"), the holding company
for Gloucester County Federal Savings Bank, I received a prospectus of the
Company dated Xxx, 2007 relating to such offer of common stock. The prospectus
that I received contains disclosure concerning the nature of the common stock
being offered by the Company and describes in the "Risk Factors" section
beginning on page __, the risks involved in the investment in this common stock,
including but not limited to the following:

Risk Factors
------------

1. In recent years our asset quality was poor and we charged off a
significant amount of loans. If we experience additional loan losses
going forward that exceed the amount we have reserved for loan losses,
our earnings will be adversely affected.
2. Our earnings do not compare favorably to our peer group and there is
no assurance that our profitability will improve.
3. We hope to improve the overall yield of our assets by increasing our
commercial real estate and commercial loans, but (i) we may not be
successful in that effort, (ii) that type of lending poses higher
risks and (iii) we have had trouble with this type of lending in the
past.
4. We intend to increase our portions of our consumer lending portfolio
on which we can earn higher yields, but such loans present higher
risk.
5. We realize income primarily from the difference between interest
earned on loans and investments and interest paid on deposits and
borrowings, and changes in interest rates may adversely affect our net
interest rate spread and net interest margin, which could hurt our
earnings.
6. After this offering, our return on equity will be low. This could
negatively impact the price of our stock.
7. Strong competition within our market area may limit our growth and
profitability.
8. Our business is geographically concentrated in southern New Jersey,
and a downturn in conditions in our market area could have an adverse
impact on our profitability.
9. Additional compensation and benefit expenses following the offering
will negatively impact our profitability.
10. New expenses that we will incur as a public company will affect our
earnings.
11. The implementation of stock-based benefit plans may dilute your
ownership interest in Gateway Community Financial Corp.
12. Provisions in our charter and bylaws limiting the rights of
stockholders may deter potential takeovers and may reduce the trading
price of our stock.
13. Persons who purchase stock in the offering will own a minority of
Gateway Community Financial Corp.'s common stock and will not be able
to exercise voting control over most matters put to a vote of
stockholders, including any proposal regarding the acquisition of
Gateway Community Financial Corp.
14. Our stock price may decline when trading commences.
15. We operate in a highly regulated environment and may be adversely
affected by changes in laws and regulations.

(By Executing this Certification Form the Investor is Not Waiving Any Rights
Under the Federal Securities Laws, Including the Securities Act of 1933
and the Securities Exchange Act of 1934)
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Signature Date Signature Date

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Print Name Print Name
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THIS CERTIFICATION MUST BE SIGNED IN ORDER TO PURCHASE STOCK

Top of Stock Order Form

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Stock order and certification forms will only be accepted at the stock
information center and will not be accepted at any branch office.

Your order must be physically received (not postmarked) by Gateway
Community Financial Corp. no later than _:__ p.m., Eastern time, on
___day, June __, 2007

Please read the prospectus carefully before making an investment
decision.
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11

Gateway Community Financial Corp. [LOGO]
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Stock Ownership Guide
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Individual
Include the first name, middle initial and last name of the shareholder. Avoid
the use of two initials. Please omit words that do not affect ownership rights,
such as "Mrs.", "Mr.", "Dr.", "special account", "single person", etc.
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Joint Tenants
Joint tenants with right of survivorship may be specified to identify two or
more owners. When stock is held by joint tenants with right of survivorship,
ownership is intended to pass automatically to the surviving joint tenant(s)
upon the death of any joint tenant. All parties must agree to the transfer or
sale of shares held by joint tenants.
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Tenants in Common
Tenants in common may also be specified to identify two or more owners. When
stock is held by tenants in common, upon the death of one co-tenant, ownership
of the stock will be held by the surviving co-tenant(s) and by the heirs of the
deceased co-tenant. All parties must agree to the transfer or sale of shares
held by tenants in common.
- --------------------------------------------------------------------------------
Uniform Transfers to Minors Act ("UTMA")
Stock may be held in the name of a custodian for a minor under the Uniform
Transfers to Minors Act of each state. There may be only one custodian and one
minor designated on a stock certificate. The standard abbreviation for Custodian
is "CUST", while the Uniform Transfers to Minors Act is "UTMA". Standard U.S.
Postal Service state abbreviations should be used to describe the appropriate
state. For example, stock held by John Doe as custodian for Susan Doe under the
New Jersey Uniform Transfers to Minors Act will be abbreviated John Doe, CUST
Susan Doe UTMA NJ (use minor's social security number).
- --------------------------------------------------------------------------------
Fiduciaries
Information provided with respect to stock to be held in a fiduciary capacity
must contain the following:
o The name(s) of the fiduciary. If an individual, list the first name,
middle initial and last name. If a corporation, list the full
corporate title (name). If an individual and a corporation, list the
corporation's title before the individual.
o The fiduciary capacity, such as administrator, executor, personal
representative, conservator, trustee, committee, etc.
o A description of the document governing the fiduciary relationship,
such as a trust agreement or court order. Documentation establishing a
fiduciary relationship may be required to register your stock in a
fiduciary capacity.
o The date of the document governing the relationship, except that the
date of a trust created by a will need not be included in the
description.
o The name of the maker, donor or testator and the name of the
beneficiary.
An example of fiduciary ownership of stock in the case of a trust is: John Doe,
Trustee Under Agreement Dated 10-1-93 for Susan Doe.
- --------------------------------------------------------------------------------
Stock Order Form Instructions
- --------------------------------------------------------------------------------
Items 1 and 2 - Number of Shares and Total Payment Due
Fill in the number of shares that you wish to purchase and the total payment
due. The amount due is determined by multiplying the number of shares by the
subscription price of $10 per share. The minimum purchase in the subscription
offering is $250 (25 shares) of common stock. As more fully described in the
plan of stock issuance outlined in the prospectus, the maximum purchase in any
category of the subscription offering is $150,000 (15,000 shares) of common
stock, and the maximum purchase in the community offering (if held) by any
person, is $150,000 (15,000 shares) of common stock. However, no person,
together with associates and persons acting in concert with such person, may
purchase in the aggregate more than $250,000 (25,000 shares) of common stock.
- --------------------------------------------------------------------------------
Item 3 - Employee/Officer/Director Information
Check this box to indicate whether you are an employee, officer or director of
Gloucester County Federal Savings Bank or a member of such person's immediate
family living in the same household.
- --------------------------------------------------------------------------------
Item 4 - Method of Payment by Check
If you pay for your stock by check, bank draft or money order, indicate the
total amount in this box. Payment for shares may be made by check, bank draft or
money order payable to Gateway Community Financial Corp. Payment in cash may be
--------------------------------------------
made only if delivered in person. Your funds will earn interest at Gloucester
County Federal Savings Bank's passbook rate of interest until the stock offering
is completed.
- --------------------------------------------------------------------------------
Item 5 - Method of Payment by Withdrawal
If you pay for your stock by a withdrawal from a deposit account at Gloucester
County Federal Savings Bank, indicate the account number(s) and the amount of
your withdrawal authorization for each account. The total amount withdrawn
should equal the amount of your stock purchase. There will be no penalty
assessed for early withdrawals from certificate accounts used for stock
purchases. This form of payment may not be used if your account is an Individual
Retirement Account.
- --------------------------------------------------------------------------------
Item 6 - Purchaser Information
Subscription Offering
- ---------------------
a. Check this box if you had a deposit account(s) totaling $50.00 or more
on the close of business December 31, 2005 ("Eligible Account
Holder").
b. Check this box if you had a deposit account(s) totaling $50.00 or more
on the close of business March 31, 2007 but are not an Eligible
Account Holder ("Supplemental Eligible Account Holder").
Please list all account numbers and all names on accounts you had on these dates
in order to insure proper identification of your purchase rights.
Note: Failure to list all your accounts may result in the loss of part or all of
your subscription rights.
Community Offering
- ------------------
c. Check this box if you are a community member (Indicate county of
residence in item 9).
- --------------------------------------------------------------------------------
Items 7 and 8 - Form of Stock Ownership, SS# or Tax ID#, Stock Registration and
Mailing Address
Check the box that applies to your requested form of stock ownership and
indicate your social security or tax ID number(s) in item 7. Complete the
requested stock certificate registration, mailing address in item 8. The stock
transfer industry has developed a uniform system of shareholder registrations
that will be used in the issuance of your common stock. If you have any
questions regarding the registration of your stock, please consult your legal
advisor. Stock ownership must be registered in one of the ways described above
under "Stock Ownership Guide." Adding the names of other persons who are not
owners of your qualifying account(s) will result in the loss of your
subscription rights.
- --------------------------------------------------------------------------------
Item 9 - Telephone Number(s) and County
Indicate your daytime and evening telephone number(s) and county. We may need to
call you if we have any questions regarding your order or we cannot execute your
order as given.
- --------------------------------------------------------------------------------
Item 10 - NASD Affiliation
Check this box if you are a member of the NASD or if this item otherwise applies
to you.
- --------------------------------------------------------------------------------
Item 11 - Associates/Acting in Concert
Check this box if you or any associate or person acting in concert with you (as
defined on the reverse side of the stock order form) has submitted another order
for shares and complete the reverse side of the stock form.
- --------------------------------------------------------------------------------
Item 12 - Acknowledgement
Sign and date the stock order form and certification form where indicated.
Before you sign, review the stock order and certification form, including the
acknowledgement. Normally, one signature is required. An additional signature is
required only when payment is to be made by withdrawal from a deposit account
that requires multiple signatures to withdraw funds.
- --------------------------------------------------------------------------------
Your stock order form, properly completed, signed certification form and payment
in full (or withdrawal authorization) at the subscription price must be
physically received (not postmarked) by Gateway Community Financial Corp. no
later than x:00 p.m., Eastern time, on Xxxxxx, June xx, 2007 or it will become
void.

Delivery Instructions:
- ---------------------
You may deliver your stock order form by mail using the enclosed stock order
return envelope or by overnight delivery to the stock information center address
indicated on the front of the stock order form.

Hand delivery of stock order forms may be made only to the stock information
- --------------
center located at 381 Egg Harbor Rd., Sewell, NJ. Stock order forms will not be
accepted at any of our branch offices.

If you have any remaining questions, or if you would like assistance in
completing your stock order form, you may call our stock information center at
(856) 269-9985, Monday through Friday, between the hours of 10:00 a.m. and 4:00
p.m., Eastern time.
Gloucester County Federal Savings Bank o Stock Information Center
o 381 Egg Harbor Rd., Sewell, NJ. 08080
- --------------------------------------------------------------------------------
12

Read This First

Office of Thrift Supervision Guidance for Accountholders

Your financial institution is in the process of selling stock to the public, in
either a mutual-to-stock conversion or a stock issuance by a subsidiary of a
mutual holding company. As an accountholder at this institution, you have
certain priority subscription rights to purchase stock in the offering. These
priority subscription rights are non-transferable. If you subscribe for stock,
you will be asked to sign a statement that the purchase is for your own account,
and that you have no agreement or understanding regarding the subsequent sale or
transfer of any shares you receive.

On occasion, unscrupulous people attempt to persuade accountholders to transfer
subscription rights, or to purchase shares in the offering based on the
understanding that the shares will subsequently be transferred to others. Such
arrangements violate federal regulations. If you participate in these schemes,
you are breaking the law and may be subject to prosecution. If someone attempts
to persuade you to participate in such a scheme, please contact the Office of
Thrift Supervision (OTS) at (202) 906-6202. The OTS is very interested in
ensuring that the prohibitions on transfer of subscription rights are not
violated.

How will you know if you are being approached illegally? Typically, a fraudulent
opportunist will approach you and offer to "loan" you money to purchase a
significant amount of stock in the offering. In exchange for that "loan" you
most likely will be asked either to transfer control of any stock purchased with
that money to an account the other person controls, or sell the stock and give
the majority of the profits to the other person. You may be told, untruthfully,
that there is no risk to you, that the practice is common, and even if you are
caught, that your legal expenses will be covered.

Below is a list of some key concepts that you should keep in mind when
considering whether to participate in a mutual-to-stock conversion or stock
issuance by a mutual holding company subsidiary. If you have questions, please
contact the stock information center listed elsewhere in the literature you are
receiving. Alternatively, you can contact us at: ombudsman@ots.treas.gov.
-----------------------

What Investors Need to Know

Key concepts for investors to bear in mind when considering whether to
participate in a conversion offering, or a stock offering by a subsidiary of a
mutual holding company, include the following:

o Know the Rules -- By law, accountholders cannot sell or transfer their
priority subscription rights, or the stock itself, prior to the
completion of a financial institution's conversion. Moreover,
accountholders cannot enter into agreements or arrangements to sell or
transfer either their subscription rights or the underlying conversion
stock.

o "Neither a Borrower nor a Lender Be" -- If someone offers to lend you
money so that you can participate -- or participate more fully -- in a
conversion, be extremely wary. Be even more wary if the source of the
money is someone you do not know. The loan agreement may make you
unable to certify truthfully that you are the true holder of the
subscription rights and the true purchaser of the stock and that you
have no agreements regarding the sale or transfer of the stock.

o Watch Out for Opportunists -- The opportunist may tell you that he or
she is a lawyer -- or a consultant or a professional investor or some
similarly impressive tale -- who has experience with similar mutual
conversion transactions. The opportunist may go to extreme lengths to
assure you that the arrangement you are entering into is legitimate.
They might tell you that they have done scores of these transactions
and that this is simply how they work. Or they might downplay the
warnings or restrictions in the prospectus or order form, telling you
that "everyone" enters into such agreements or that the deal they are
offering is legitimate. They may also tell you that you have no risk
in the transaction. The cold, hard truth is that these are lies, and
if you participate, you are breaking the law.

o Get the Facts from the Source -- If you have any questions about the
securities offering, ask the savings bank or savings association for
more information. If you have any doubts about a transaction proposed
to you by someone else, ask the financial institution whether the
proposed arrangement is proper. You may be able to find helpful
resources on the institution's website or by visiting a branch office.

The bottom line for investors is always to remember that if an
opportunity sounds too good to be true, it probably is too good to be
true.

[Gateway Community Financial Corp.]

_______________, 2007

Dear __________:

Gateway Community Financial Corp., the holding company for Gloucester County
Federal Savings Bank, is offering common stock in a minority stock offering. We
are raising capital to support Gloucester County Federal Savings Bank's future
growth.

To learn more about the stock offering you are cordially invited to join members
of our senior management team at a community meeting to be held on___ at ___:00
_._.

A member of our staff will be calling to confirm your interest in attending the
meeting.

If you would like additional information regarding the meeting or our stock
offering, please call our stock information center at 856-269-9985, Monday
through Friday, between the hours of 10:00 a.m. and 4:00 p.m., Eastern time.

Sincerely,

Robert C. Ahrens
President and Chief Executive Officer

This correspondence is not an offer to sell or a solicitation of an offer to buy
common stock. The offer is made only by the prospectus.

(Printed by Stock Information Center)

[Gateway Community Financial Corp.]

_______________, 2007

Dear Subscriber:

We hereby acknowledge receipt of your order for shares of Gateway Community
Financial Corp. common stock.

At this time, we cannot confirm the number of shares of Gateway Community
Financial Corp. common stock that will be issued to you. Following completion of
the stock offering, shares will be allocated in accordance with the plan of
stock issuance.

If you have any questions, please call our stock information center at
856-269-9985.

Gateway Community Financial Corp.
Stock Information Center

(Printed by Stock Information Center)

[Gateway Community Financial Corp.]

_______________, 2007

Dear Shareholder:

Our subscription offering has been completed and we are pleased to confirm your
subscription for shares at a price of $10.00 per share. If your subscription was
paid for by check, interest and any refund due to you will be mailed promptly.

The closing of the transaction occurred on ______ __, 2007; this is your stock
purchase date. Trading will commence on the Nasdaq Global Market under the
symbol "GCFC" on ________ __, 2007.

Thank you for supporting our offering. We appreciate your confidence in Gateway
Community Financial Corp. Your stock certificate will be mailed to you shortly.

Gateway Community Financial Corp.
Stock Information Center

(Printed by Stock Information Center)

[Gateway Community Financial Corp.]

_______________, 2007

Dear Interested Investor:

We recently completed our subscription offering. Unfortunately, due to the
response from our Eligible Account Holders, stock was not available for our
Supplemental Eligible Account Holders, Other Members, or community friends. If
your subscription was paid for by check, a refund of any balance due to you with
interest will be mailed promptly.

We appreciate your interest in Gateway Community Financial Corp. and hope you
become an owner of our stock in the future. The stock has been approved for
trading on the Nasdaq Global Market under the symbol "GCFC".

Gateway Community Financial Corp.
Stock Information Center

(Printed by Stock Information Center)

[Gateway Community Financial Corp.]

_______________, 2007

Welcome Shareholder:

We are pleased to enclose your stock certificate representing your shares of
common stock of Gateway Community Financial Corp. Please examine your stock
certificate to be certain that it is properly registered. If you have any
questions about your certificate, you should contact the Transfer Agent
immediately at the following address:

Registrar and Transfer Company
Investor Relations Department
10 Commerce Dr
Cranford, NJ 07016
1 (800) 368-5948
email: info@rtco.com

Please remember that your certificate is a negotiable security that should be
stored in a secure place, such as a safe deposit box, or deposited into your
brokerage account.

On behalf of the Board of Directors, officers and employees of Gateway Community
Financial Corp., thank you for your confidence and willingness to share in the
future of our organization.

Sincerely,

Robert C. Ahrens
President and Chief Executive Officer

(Printed by Stock Information Center)

[Gateway Community Financial Corp.]

_______________, 2007

Dear Interested Subscriber:

We regret to inform you that Gloucester County Federal Savings Bank, Gateway
Community Financial, MHC and Gateway Community Financial Corp., the holding
company for Gloucester County Federal Savings Bank, did not accept your order
for shares of Gateway Community Financial Corp. common stock in its community
offering. This action is in accordance with our plan of stock issuance, which
gives Gloucester County Federal Savings Bank, Gateway Community Financial Corp.
and Gateway Community Financial, MHC the absolute right to reject the order of
any person, in whole or in part, in the community offering.

If your subscription was paid for by check, enclosed is your original check.

Gateway Community Financial Corp.
Stock Information Center

(Printed by Stock Information Center)

[Sandler O'Neill & Partners, L. P.]

_______________, 2007

To Our Friends:

We are enclosing material in connection with the stock offering by Gateway
Community Financial Corp., the holding company for Gloucester County Federal
Savings Bank. Gateway Community Financial Corp. is raising capital to support
Gloucester County Federal Savings Bank's future growth.

Sandler O'Neill & Partners, L.P. is acting as financial and marketing advisor in
connection with the subscription offering, which will conclude at x:00 p.m.,
Eastern time, on June xx, 2007. In the event that all the stock is not sold in
the subscription and community offering, Sandler O'Neill may form and manage a
syndicated community offering to sell the remaining stock.

Members of the general public are eligible to participate. If you have any
questions about this transaction, please do not hesitate to call.

Sandler O'Neill & Partners, L.P.

This correspondence is not an offer to sell or a solicitation of an offer to buy
common stock. The offer is made only by the prospectus.

(Printed by Sandler O'Neill)