WELCOME TO. Valley National Bank. Answers to important questions about your accounts and services

Transcription

1 WELCOME TO Valley National Bank Answers to important questions about your accounts and services

2 Table of Contents About Valley National Bank... 1 General Account Questions... 1 Telephone, Online Banking and Mobile Banking... 5 Outgoing Domestic Wire Transfers... 7 Incoming Domestic Wire Transfers... 7 Outgoing International Wire Transfers... 8 Incoming International Wire Transfers... 9 Foreign Check Collections Foreign Drafts Loan Payments FDIC Coverage Personal Banking Solutions Business Banking Solutions Branch Locations... 16

3 About Valley National Bank Valley National Bank (Valley) is one of the largest commercial banks headquartered in New Jersey with executive and regional offi ces in Manhattan and over $18 billion in assets. Valley is a full service commercial bank which offers an enhanced line of business and personal banking solutions and operates 224 branch offi ces in 167 communities, serving 24 counties throughout New Jersey, Manhattan, Brooklyn, Queens, Long Island, and now Florida. Like 1st United, we share a dedication to exceptional customer service and are pleased to have you as a customer. We will continue to provide the expertise, resources and services to help you achieve all of your business and personal banking objectives. Our conversion team is working hard to make this transition easy and convenient for you. When will the systems conversion take place? Although 1st United Bank merged with Valley on November 1, 2014, the systems conversion takes time and is scheduled to take place on February 21, What additional Personal Banking Services will be available after the merger? As a Valley customer you will enjoy a robust line of personal banking products and services that include residential mortgages, home equity loans/lines of credit, automobile loans, consumer loans, mobile banking, mobile deposit, text message banking, a 24/7 Customer Service Center and in the near future, a multitude of investment, trust and insurance services. You will continue to receive the same exceptional service from the 1st United Bank management team and staff members that you already know and trust. What additional Commercial Banking Services will be available after the merger? In addition to the great commercial banking products and services offered by 1st United, Valley will be able to provide greater resources and custom tailored banking and fi nancing solutions. Will the banking hours be changed? No. All branch offi ces will continue to operate the same hours. Additionally, you will be able to enjoy the convenience of banking at any Valley branch offi ce located throughout northern and central New Jersey, Manhattan, Brooklyn, Queens, Long Island and Florida. To fi nd a branch nearest you, please visit valleynationalbank.com or call our 24/7 Customer Service Center at or for international customers. Will my 1st United account number(s) remain the same? Yes. Unless advised otherwise, your account numbers will remain the same. Will I be able to use my 1st United checking account checks and deposit slips? Yes. Unless advised otherwise, there will be no interruption in your check writing privileges. Please continue using your existing supply of 1st United checks and deposit slips. 1

4 Will any of my deposit account fees change? Most of the fees will remain the same except for the following: ATM Services If you use a Valley ATM machine, there are NO FEES for these services. We will continue to rebate up to six (6) non-valley ATM transactions and your account will be credited on the fi rst business day of the following month. Dormancy Fees Checking accounts with no deposit or withdrawal activity for a period of twelve (12) months will be charged $15 per month. In addition, standard service charges for your account type will continue to be assessed. Savings accounts with no deposit or withdrawal activity for a period of twentyfour (24) months will be charged $9 per quarter on balances less than $1,000. In addition, standard service charges for your account type will continue to be assessed. Will my minimum account balance requirements and account maintenance fees change? No. The minimum balance requirements and account fees on your personal and business banking deposit accounts will remain the same. However, some of our product names will change as follows: Old Product Name New Product Name Personal Accounts 1st Checking Easy Checking 1st Silver Checking NOW Silver Checking NOW 1st Checking Plus NOW Checking Plus NOW 1st MMA Personal MMA 1st Premier MM Premier Money Market 1st International Checking International Checking 1st International Plus NOW International Plus NOW 1st International MMA International Money Market 1st Savings Personal Savings 1st Kids Kids Savings 1st International Savings International Savings Business Accounts 1st Commercial Checking Commercial Checking 1st Business Checking Business Checking 1st Business Checking Plus Business Checking Plus NOW 1st Business MMA Business MMA 1st Premier Business MMA Premier Business Money Market 1st IOTA IOTA 1st Business Savings Business Savings Terms and conditions of these products will remain the same. 2

5 Will the existing funds availability policy be modified in any way? No, in fact, in some instances it is improved as per Valley s Funds Availability Policy which will be in effect beginning February 23, 2015 and is as follows: Description of Deposit Direct Deposit Wire Transfers Cash, U.S. Government Checks, Checks drawn on Valley National Bank, Federal Reserve Bank Checks, Federal Home Loan Bank Checks, and Postal Money Orders (if payable to the account holder) Local State and Local Government Checks, Cashier Checks, Certifi ed Checks and Money Orders (if payable to account holder) All Other Checks When Funds Can Be Withdrawn By Check Day of scheduled payment Same day The fi rst business day after the day of deposit (cash only deposits made in person to a Valley employee may be made available same-day) The fi rst business day after the day of deposit if accompanied by a special deposit ticket (see a Customer Service Representative for more information) The second business day after the day of deposit Longer delays may apply in certain cases We will notify you if we delay your ability to withdraw for any exceptions to Regulation CC and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. Cash withdrawal limitations We place certain limitations on withdrawals in cash or by similar means (i.e. cashier checks, wire transfers, etc.). In general, cash withdrawal availability is extended by one (1) business day from our normal availability schedule. The fi rst $200 of a deposit is available for withdrawal in cash on the fi rst business day after the day of deposit. The next $400 of a deposit is available for withdrawal in cash on the second business day after the deposit. Any remaining funds from the deposit would be available for withdrawal in cash on the third business day. The time of availability for cash withdrawals will be no later than 5:00 PM EST on the day of availability. (Note: All funds that make up a deposit would be available for withdrawal by check on the second business day after the day of deposit, provided the account is not on extended holds, if the check is presented to us through the Federal Reserve System). 3

6 When will I receive my next checking account monthly statement? Your fi nal 1st United checking account statement will be generated in February and will include your transaction history through Friday, February 20th. You will receive your fi rst abbreviated Valley checking account statement soon after, depending on your statement cycle. Both Personal and Business checking account statements will continue to be cycled at the same time during the month as they are today. When will I receive my personal or business savings account statement? Personal and business savings account statements will be processed at the end of each month or quarter, based upon electronic activity in the account. If I have direct deposit, will it continue? Yes. If you currently have direct deposit set up into a 1st United account, it will continue uninterrupted. Will I be able to continue to use my 1st United Debit Card or Business Debit Card? Please continue using your 1st United Debit Card or 1st United Business Debit Card until further notice. A letter with your new Valley VISA Debit Card or Valley VISA Business Debit Card will be mailed to you in February with instructions for its use. Will I be able to conduct banking transactions at any Valley office? Yes. Beginning February 23rd, you will be able to conveniently transact business at any one of our 224 convenient branches located throughout Florida, New Jersey, Manhattan, Brooklyn, Queens and Long Island. However, if you are in New Jersey or New York prior to this date and need to conduct a transaction, please stop in any branch and one of our professional, knowledgeable staff will be able to assist you. What happens when my Certificate of Deposit (CD) matures? If your CD is automatically renewable, it will renew at the current rate available for that specifi c CD term. If you have a non-renewable CD, you are invited to stop by any convenient branch offi ce to reinvest the funds in another account or CD product of your choice. 4

7 What penalties will be assessed if I withdraw the funds from my CD early? The following early withdrawal penalties will apply for all new accounts opened after close of business on February 20th and for maturing accounts that roll over after close of business February 20th: Less than 1 year 90 days loss of interest on the amount withdrawn 1 year but less than 2 ½ years 180 days loss of interest on the amount withdrawn 2 ½ years but less than 5 years 365 days loss of interest on the amount withdrawn 5 years and greater 540 days interest on amount withdrawn Existing 1st United accounts will maintain their existing penalty structure until maturity. Will Banking-By-Phone access continue uninterrupted? Yes. Banking-By-Phone will be available until Friday, February 20, Beginning Monday, February 23, 2015, please call For customers calling from outside of the U.S. with a Tax ID Number, please call to access Banking-By-Phone. As of February 23, 2015, in order to access Banking-by-Phone, press 1 on your telephone keypad and enter the information requested using the Personal Identifi cation Number (PIN) which will be mailed to you separately. Once you access Valley s Banking-By-Phone for the fi rst time, you will be prompted to change your PIN. When is Banking-By-Phone updated? The system is updated immediately for debit card transactions, cash deposits and cash withdrawals. Check deposits will be adjusted in your ledger balance at the time of the transaction, but will not be refl ected in the collected funds information. Loan payment transactions will be posted within 24 hours. How will I access my accounts online? Valley offers two different online banking solutions. All customers will have access to VBankWorks Online and Mobile Banking with Bill Payment which includes online and mobile banking, mobile deposit and text message banking. These services connect you to your accounts anytime, day or night using a computer, tablet or smart phone. As of February 23rd, you will be able to access VBankWorks by visiting our website at and clicking Online Banking. VNB Connect Plus is a robust online banking, bill payment, wire transfer and treasury solutions system which is designed for high transaction, high balance businesses. If you utilize ACH and online wire transfers, you will also have access to this service in addition to VBankWorks. VNB Connect Plus includes many capabilities to make it the most effi cient method to obtain all of your banking information, streamline your daily operations and maximize your cash position. As of February 23rd, you will be able to access it by visiting our website at and clicking Treasury Solutions. 5

8 What is my VBankWorks user identification and password? Your current 1st United User Name will be your User ID on VBankWorks. Your temporary Password will be mailed to you separately on or about January 30, If you are using your Social Security Number as your User ID, you will be required to change it for security reasons. For enhanced security, you will also be required to enter a phone number to receive a verifi cation code either by a voice call or text message. Once you receive the code, you will be required to enter it in the fi eld provided. If you are logging in from a trusted computer, you can register your computer as private and will only be required to enter the code once to verify your identity. If you login from an unrecognized computer or device, you will be required to obtain a verifi cation code. How can I enroll in VBankWorks online bill payment? If you are currently using bill payment today, you will automatically be enrolled and your payees and payment history will be automatically converted. If you have a checking account and do not utilize bill payment, you may enroll for free online bill payment by clicking on the Bill Pay tab once you have access to VBankWorks. Bill payment is only available for use from a checking account. Will I continue to receive my statements electronically? If you are currently enrolled in electronic statements for your personal checking or statement savings accounts, you will automatically be enrolled in estatements through VBankWorks for the same accounts. We recommend that you download and save existing statements as they will not be available after conversion. All other accounts will receive a paper statement delivered to you by the U.S. Postal Service. Additional disclosures including the terms and conditions for estatements can be found in Section M of the VBankWorks Agreement located at By continuing to receive estatements you agree to these additional terms and conditions. How can I enroll in VBankWorks SMS Text and Mobile Banking? SMS Text and Mobile Banking are free to all VBankWorks users. After you have enrolled in VBankWorks and logged in from a computer, click the Additional Services tab followed by the Mobile Banking & Alerts link. Click Activate to enroll in text banking and follow the three simple steps. If you are currently using Mobile Banking today, you will automatically be enrolled. When using Mobile Web Banking, you will be able to access your accounts, transfer funds, deposit checks and pay bills by going to vnbmobile.com or by downloading our Mobile App for free. Valley s Mobile App is downloadable for iphone, ipad, Android smart phones and Kindle Fire at the Apple App Store SM, Google Play TM Store and Amazon App Store. Data rates may apply; please contact your wireless phone provider for details. Mobile deposit is only available using our Mobile App. 6

9 Mobile Deposit offers the convenience of depositing checks using an iphone, ipad or Android smart phone by taking a picture of the front and back of a check for deposit. The availability of funds is consistent with the Bank s Standard Funds Availability Policy. Deposits made using the Mobile App will be credited up until 6:00 PM EST on the same business day excluding Saturdays, Sundays and U.S. Holidays. Please refer to the Mobile Deposit Services Agreement for additional terms and conditions regarding Mobile Remote Deposit. Will I be able to continue to make transfers between my accounts using VBankWorks? Yes. You may transfer funds between your Valley checking and statement savings accounts. You may also transfer payments to your Valley mortgage, line of credit and personal loan accounts. You may make immediate transfers and schedule transfers as recurring or future dated. OUTGOING DOMESTIC WIRE TRANSFERS How can I send an outgoing domestic wire transfer? You may send a domestic wire transfer by visiting a local branch or by using VNB Connect Plus online banking. What are the fees associated with outgoing domestic wire transfers? The fees will remain the same. Please refer to your local branch for Valley s fee schedule. What is the cutoff time for outgoing domestic wire transfers? The daily cutoff time for domestic wire transfers is 4:00 PM EST, Monday through Friday. INCOMING DOMESTIC WIRE TRANSFERS What is Valley s routing code or ABA Number for incoming domestic wire transfers? Valley s routing code or ABA Number for incoming wire transfers is What instructions do I need to receive an incoming domestic wire transfer to my account at Valley? Wire transfer funds from the remitter s bank needs to be directed to Federal Reserve Bank (FED) for further credit along with the following information: Valley National Bank ABA Your account number Your full name and address The name(s) and address(es) of the remitter The remitting institution 7

10 How do I access Valley s online banking transfer system for domestic wire and/or foreign wire transfers? Beginning February 23, 2015, all domestic and foreign online wire transfers will be processed through VNB Connect Plus. You will be able to send wire transfers from anywhere you have internet access. To access VNB Connect Plus, visit our website at and click Treasury Solutions. Additional information about VNB Connect Plus will be sent independently to existing wire transfer and ACH origination customers. OUTGOING INTERNATIONAL WIRE TRANSFERS How can I send an outgoing international wire transfer in a Foreign Currency or in U.S. Dollars? You may send an international wire transfer by visiting a local branch or by using VNB Connect Plus online banking. What Foreign Currencies are available? Valley offers 125 different local currencies for wire fund transfers. Please note that some countries require specifi c information which may not make it possible for us to remit a wire transfer. For information on a specifi c currency or for more information, please speak with a branch representative. Are all local currencies offered using VNB Connect Plus online banking? No. The following currencies are available if you are using VNB Connect Plus online banking to conduct wire transfers. Canadian Dollars (CAD) Euros (EUR) Japanese Yen (JPY) Swiss Francs (CHF) Sterling Pounds (GBP) U.S. Dollars (USD) Please contact a branch representative for any other currencies. Do I need to include the beneficiary s bank SWIFT Code with the payment instructions? Yes. It will help the payment arrive more quickly. Is an intermediary bank required to send an outgoing international wire transfer? No, but if it is available, please include the information with the wire instructions. 8

11 What is IBAN? IBAN (International Bank Account Number) is an international standard for identifying bank accounts across country borders. IBANs are currently used primarily in countries that are members of the ECU (European Currency Unit, or Euro). The United States does not participate in IBAN and consequently Valley National Bank customers do not have an IBAN. An IBAN is composed of three parts: 1. A two-letter country designation code 2. A bank designation code 3. Your account number Below is an example of an IBAN: DE DE is the country code for Germany, is the bank code and is the sample account number. What do I do with the IBAN? The IBAN is placed in the benefi ciary account number fi eld on the Funds Transfer Form. The full IBAN is the preferred account information for European payments. What are the fees associated with outgoing international funds transfers? The fees will remain the same. Please contact a local branch for the fee schedule. What is the cutoff time for international wire transfers? Online using VNB Connect Plus : 2:30 PM EST Branch Assisted Walk-In Customers: 3:00 PM EST INCOMING INTERNATIONAL WIRE TRANSFERS What are the payment instructions to receive international incoming wire transfers? The following information is required for incoming payments for them to be properly credited to your account: Valley National Bank s SWIFT Code MBNYUS33 Your account number Your full name and address The name(s) and address(es) of the remitter The remitting institution What is Valley s SWIFT Code and do I need to include it with the payment instructions? Valley s SWIFT Code is MBNYUS33 and it needs to be included with the payment instructions for incoming wires to ensure quick delivery and proper credit. 9

12 Instructions for international incoming wire transfers are: Currency Correspondent Bank Name & Bank Identifying Code (BIC) For Further Credit to Beneficiary Bank For Final Credit to: U.S. Dollars (USD) OR Euro (EUR) Great British Pounds (GBP) Swiss Francs (CHF) Canadian Dollars (CAD) Japanese Yen (JPY) Deutsche Bank Trust Co. Americas BKTRUS33 Wells Fargo Bank PNBPUS3NNYC Deutsche Bank AG DEUTDEFF National Westminster Bank NWBKGB2L Deutsche Bank AG DEUTDEFF Royal Bank of Canada, Toronto ROYCCAT2 Bank of Tokyo Mitsubishi, Tokyo BOTKJPJT Valley National Bank MBNYUS33 Valley National Bank MBNYUS33 Valley National Bank MBNYUS33 Valley National Bank MBNYUS33 Valley National Bank MBNYUS33 Valley National Bank MBNYUS33 Valley National Bank MBNYUS33 Your Account Number Account Name Account Address Your Account Number Account Name Account Address Your Account Number Account Name Account Address Your Account Number Account Name Account Address Your Account Number Account Name Account Address Your Account Number Account Name Account Address Your Account Number Account Name Account Address For Wire Transfers (Incoming/Outgoing) Equal or Greater to $3,000 Transmittals of funds equal to or greater than $3,000 (or its foreign equivalent) are subject to the BSA Travel Rule, regardless of whether or not currency is involved. In addition, transmittals of funds governed by the Electronic Funds Transfer Act (Reg E) or made through ATM, or point of sale systems are not subject to this rule. 10

13 BSA Travel Rule s requirements: All transmitters fi nancial institutions must include and send the following in the transmittal order: The name of the transmitter; the account number of the transmitter, if used; the address of the transmitter; the identity of the transmitter s fi nancial institution; the amount of the transmittal order; the execution date of the transmittal order, and; the identity of the recipient s fi nancial institution. And, if received the following must be included: the name of the recipient; the address of the recipient; the account number of the recipient, and; any other specifi c identifi er of the recipient. FOREIGN CHECK COLLECTIONS How do I collect a check payable overseas? Canadian Checks, either in Canadian or USD may be deposited directly into your account. All other currencies including USD foreign checks drawn on foreign entities, must be presented to a local branch customer service representative who will process the check for collection. Are there fees associated with foreign check collections? Yes, your local branch customer service representative will inform you of the fees associated with your foreign check collection. Additional intermediary/paying bank fees may also apply. FOREIGN DRAFTS Does Valley offer the issuance of foreign drafts? Yes, Valley offers drafts in the following currencies: Canadian Dollars (CAD) Euros (EUR) Japanese Yen (JPY) Swiss Francs (CHF) Sterling Pounds (GBP) How may I purchase a foreign draft? A local branch may assist you in purchasing a foreign draft. What are the fees associated with the issuance of a foreign draft? Please contact a local branch for the fee schedule. When do I receive the foreign draft? The foreign draft is disbursed from our New York City offi ce and will be sent, as directed, to your branch of account or to the address associated on your Valley account, within three (3) business days. 11

14 LOAN PAYMENTS How do I make my loan payments online? You will continue to make online loan payments, as you do today by visiting our website at and click Make A Loan Payment. This option is applicable for all types of loans. How do I make my commercial loan or mortgage payment? All commercial loan, commercial line of credit and mortgage customers will receive a monthly statement that includes transaction history, payment amount and payment due date information. Checks for loan payments are to be made payable to Valley National Bank and may be made at any one of our convenient branch locations or mailed to: Valley National Bank Loan Operations Department 1700 Palm Beach Lakes Blvd., Suite 650 West Palm Beach, FL For customers whose payments are set up for automatic debit, your 1st United checking account will continue to be debited without interruption. Personal line of credit customers whose loans include check writing capabilities will receive a new supply of checks in the mail prior to the system conversion. Any outstanding checks at the time of conversion will be processed; however, unissued checks are to be destroyed when you receive your replacement supply. How do I make my residential mortgage loan payment? All residential fi rst mortgage loan payments will receive monthly statements approximately fi fteen (15) days prior to their due date. Please make all loan payments payable to Valley National Bank and include your account number. If your loan payment is currently made using an automatic payment, your payments will continue uninterrupted. Optionally, you may continue to make payments at any convenient branch location. How do I make my consumer loan payment? Automatic loan payments being applied to an automobile, personal or home equity loan will continue. All other automobile, personal or home equity loan customers will be receiving a coupon book approximately two weeks after the system conversion which is scheduled to begin on February 21, Please destroy your 1st United coupon book upon receipt of your new coupon book. Payments are to be mailed to: VALLEY NATIONAL BANK PO BOX 953 WAYNE, NJ All home equity lines of credit will receive monthly statements and payment information will be included on the statement. Optionally, you may continue to make payments at any convenient branch location. 12

15 How do I make my Homeowners Association payment? You may continue to make your Homeowners Association payment, as you do today, by visiting our website at and click Make HOA Payment. Will my FDIC coverage be affected if I already have $250,000 on deposit at Valley? The FDIC will provide separate insurance, in addition to FDIC Insurance of your current Valley deposits, for at least a six-month period on all former 1st United deposits that have been assumed by Valley. The FDIC provides separate insurance for the assumed deposits for a six-month period beginning November 1, 2014, or in the case of Certifi cates of Deposit (CDs) and Individual Retirement Accounts (IRAs), the earliest maturity date after the six-month period. For CDs and IRAs which mature during the six-month period following November 1, 2014, and which are renewed at the same dollar amount and for the same term as the original deposits, the separate FDIC insurance is applicable to the renewed deposits until the fi rst maturity date after the six-month period. CDs and IRAs which mature during the six-month period following November 1, 2014, and which are not renewed or which are renewed on any other basis, are separately insured by the FDIC only until the end of the six-month period. After the term of the separate insurance has concluded, all former 1st United and current Valley deposits in the same ownership capacity will be combined when determining your total FDIC insurance coverage. Our customer service representatives will be available to work with you to help explain how you can allocate the ownership capacity of your accounts to maximize your FDIC insurance coverage. For your convenience, we encourage you to visit the FDIC s Electronic Deposit Insurance Estimator (EDIE) at to help you know how the insurance rules and limits apply to your specifi c group of deposit accounts. Personal Banking Solutions Designed to Help You Achieve Your Financial Goals. Personal Banking Services Checking, Money Market and Savings Accounts Innovative CD and Investment Products Health Savings Accounts Kids Savings Free Online and Mobile Banking, with Bill Pay, estatements, Mobile Deposit and Text Message Banking using VBankWorks Foreign Currency Exchange Residential Mortgages Shop, research, and apply for a mortgage by visiting our website at Home Equity Loans and Lines of Credit Automobile Loans Personal Loans and Lines of Credit 13

16 In the near future: Investments Advisory Services Financial and Estate Planning and Trust Services Life, Health, Home and Auto Insurance Card Services Visa Debit Card MasterCard and Visa Credit Cards Visa Gift Card Business Banking Solutions Designed to Help You and Your Business Succeed. Commercial Banking Services Business Checking, Money Market and Savings Accounts Commercial Loans and Lines of Credit Asset-Based Loans and Lines of Credit Automotive Floor Plan Financing Equipment Financing Interest Rate Hedging Association Financing In the near future: Commercial Property and Liability Insurance Financial and Retirement Planning Investment and Advisory Services Payroll Services International Services Letters of Credit - Import, Export and Standby Documentary Collections Foreign Check Collections International Wire Transfer Service in U.S. and Foreign Currency Foreign Currency Exchange Commercial Mortgages - Investment and Owner Occupied Purchase Refi nance Construction Small Business Loans Up to $750,000 Business Loans and Lines of Credit Owner Occupied Mortgages Association Financing Healthcare Financial Services Medical Equipment Financing Leasehold Improvements Practice Acquisition Financing 14

17 Commercial Mortgages Physicians Malpractice Insurance Premium Financing Treasury Solutions Business Online Banking with VNB Connect or VNB Connect Plus Payroll Direct Deposit ACH Processing Lockbox/Remittance Processing Account Reconcilement Services - Positive Pay - Remote Deposit Controlled Disbursement Accounts Funds Concentration Corporate Payment Notifi cation Zero Balance Accounts Sweep Accounts Escrow Account Management Federal and State Tax Payment Origination Wire Transfers (both Domestic and International) IOTA Accounts Escrow Accounts Merchant Services Retail Small Business Lending up to $100,000 Business EZ Lines Business EZ Loans Card Services VISA Debit Card for Business VISA Business Credit Card All fees are subject to change. All accounts are subject to Valley National Bank Rules and Regulations, a copy of which is available at each of our branch offi ces. 15

18 Branch Locations NEW JERSEY BERGEN Bogota, 325 Palisade Avenue* Edgewater, 46 Promenade, The City Place Elmwood Park, 80 Broadway* Englewood, 145 South Dean Street Englewood, 80 West Street Fair Lawn, Fair Lawn Avenue* Fair Lawn, 139 Lincoln Avenue Fair Lawn, Broadway Fort Lee, 1372 Palisade Avenue* Fort Lee, 2160 Lemoine Avenue Glen Rock, 175 Rock Road Hackensack, 20 Court Street Hackensack, 111 Hackensack Avenue* Hasbrouck Heights, 284 Boulevard* Hillsdale, 24 Broadway Ho-Ho-Kus, 18 Sycamore Avenue Lodi, 147 Main Street* Lyndhurst, 456 Valley Brook Avenue* Montvale, 24 South Kinderkamack Road Moonachie, 199 Moonachie Road North Arlington, 629 Ridge Road Northvale, 151 Paris Avenue Oakland, 350 Ramapo Valley Road Oradell, 350 Kinderkamack Road Paramus, 80 East Ridgewood Avenue Paramus, 410 Bergen Town Center Paramus, East 58 Midland Avenue Ramsey, 10 South Franklin Turnpike Ridgefi eld, 868 Broad Avenue Ridgewood, 103 Franklin Avenue* River Vale, 670 Westwood Avenue* Rochelle Park, 405 Rochelle Avenue Tenafl y, 85 County Road* Waldwick, 67 Franklin Turnpike Wallington, 100 Midland Avenue* Wood Ridge, 207 Hacksensack Street* Wyckoff, 356 Franklin Avenue ESSEX Belleville, 22 Bloomfi eld Avenue* Belleville, 237 Washington Avenue Belleville, 381 Franklin Avenue* Bloomfi eld, 548 Broad Street* Bloomfi eld, 1422 Broad Street Caldwell, 15 Roseland Avenue Cedar Grove, 491 Pompton Avenue Fairfi eld, One Passaic Avenue Fairfi eld, 167 Fairfi eld Road Livingston, 66 West Mount Pleasant Avenue Livingston, 73 South Livingston Avenue* Livingston, 270 South Livingston Avenue Livingston, 531 South Livingston Avenue Maplewood, 142 Maplewood Avenue Maplewood, 740 Irvington Avenue Millburn, 183 Millburn Avenue Newark, 167 Bloomfi eld Avenue Newark, 289 Ferry Street Newark, 784 Mount Prospect Avenue Nutley, 171 River Road Nutley, 371 Franklin Avenue South Orange, 115 Valley Street Upper Montclair, 539 Valley Road West Caldwell, 1059 Bloomfi eld Avenue* West Orange, 637 Eagle Rock Avenue HUDSON Bayonne, 522 Broadway East Newark, 710 Frank E. Rodgers Boulevard North Harrison, 433 Harrison Avenue* Jersey City, 311 Marin Boulevard Kearny, Midland Avenue* Kearny, 110 Central Avenue, Suite 100 Kearny, 256 Kearny Avenue North Bergen, 8901 Kennedy Boulevard Secaucus, 40 Meadowlands Parkway Union City, 4405 Bergenline Avenue* West New York, 5712 Bergenline Avenue MIDDLESEX Edison, 2084 Route 27/Lincoln Highway Milltown, 94 North Main Street* North Brunswick, 1100 Livingston Avenue North Brunswick, 2818 Route 27 North* Piscataway, 501 Stelton Road* South Plainfi eld, 100 Durham Avenue Woodbridge, 540 Rahway Avenue* 16

19 MONMOUTH Atlantic Highlands, 1 Bayshore Plaza Freehold, 3495 Route 9* Highlands, 301 Shore Drive Holmdel, 2124 Highway 35 South Keansburg, 201 Main Street Keyport, 416 Main Street & Route 36 East Little Silver, 140 Markham Place Manalapan, 801 Tennent Road Middletown, 760 Highway 35* Oakhurst, 777 West Park Avenue Red Bank, 74 Broad Street Sea Bright, 1173 Ocean Avenue Shrewsbury, 465 Broad Street MORRIS Budd Lake, 202 Route 46 West & Mount Olive Road Budd Lake, 342 Route 46 West Butler, 1481 Route 23 South* Chatham, 375 Main Street Chester, 2 Main Street Denville, 6 Bloomfi eld Avenue Dover, 100 East Blackwell Street* Florham Park, 187 Columbia Turnpike Jefferson Township, 715 Route 15 South Landing, 115 Center Street Lincoln Park, 31 Beaverbrook Road* Mine Hill, Route 46 West Morris Plains, 51 Gibraltar Drive Morristown, 10 Madison Avenue Mount Olive, 342 Route 46 Parsippany, Arlington Plaza, 800 Route 46 West* Parsippany, 320 New Road Succasunna, 250 Route 10 West* Whippany, 54 Whippany Road PASSAIC Clifton, 6 Main Avenue Clifton, 505 Allwood Road Clifton, 925 Allwood Road* Clifton, 535 Getty Avenue* Clifton, 1421 Van Houten Avenue* Little Falls, 171 Browertown Road* Little Falls, 115 Main Street* Little Falls, 126 Newark Pompton Turnpike North Haledon, 5 Sicomac Road North Haledon, 475 High Mountain Road Passaic, 128 Market Street Passaic, 211 Main Avenue* Passaic, 506 Van Houten Avenue Passaic, 545 Paulison Avenue Passaic, 615 Main Avenue* Paterson, 490 Chamberlain Avenue* Pompton Lakes, 516 Wanaque Avenue* Totowa, 100 Furler Street Totowa, 55 Union Boulevard* Wayne, 64 Mountain View Boulevard Wayne, 200 Black Oak Ridge Road Wayne, 1200 Preakness Avenue* Wayne, 1400 Valley Road* Wayne, 1445 Valley Road Wayne, 1445 Route 23 South* Wayne, 1501 Hamburg Turnpike Wayne, 1504 Route 23 North SOMERSET Bound Brook, 466 West Union Avenue* Green Brook, Route 22 West Hillsborough, 323 Route 206 North North Plainfi eld, 1334 Route 22 East* North Plainfi eld, Somerset Street SUSSEX Andover, 57 Decker Pond Road Branchville, Branchville Square, 1 Wantage Avenue Franklin, 288 Route 23 North* Fredon, 410 Route 94 at Willows Road Sparta, 7 Woodport Road Vernon, Vernon Plaza, 538 Route 515 UNION Clark, 68 Central Avenue* Cranford, 117 South Avenue West Hillside, 1300 Liberty Avenue Mountainside, 882 Mountain Avenue Roselle Park, 1 West Westfi eld Avenue Scotch Plains, 1922 Westfi eld Avenue Springfi eld, 223 Mountain Avenue Union, 1432 Morris Avenue Union, 2784 Morris Avenue* Westfi eld, 801 Central Avenue 17

20 WARREN Belvidere, 540 County Route 519, Suite 9 Blairstown, 152 Route 94 South* Hackettstown, 105 Mill Street* NEW YORK KINGS Bay Ridge, 7726 Third Avenue at 77th Street Bensonhurst, th Avenue at 61st Street Bensonhurst, th Street* Borough Park, th Avenue at 45th Street* Brighton Beach, 207 Brighton Beach Avenue Homecrest, 2902 Avenue U at East 29th Street Midwood, 1212 Avenue M at East 13th Street* Midwood, 1505 Avenue J at East 15th Street* Sheepshead Bay, 1633 Sheepshead Bay Road MANHATTAN 62 West 47th Street between 5th & 6th Avenue 90 Franklin Street at Church Street 93 Canal Street between Christie & Eldridge 111 Fourth Avenue at 12th Street 120 Broadway at Cedar Street 159 Eighth Avenue at 18th Street 275 Madison Avenue at 40th Street 295 Fifth Avenue at 30th Street 350 Park Avenue between 51st & 52nd Street 450 Broadway at Howard Street 776 Avenue of the Americas at 26th Street 924 Broadway between 21st & 22nd Street 1040 Sixth Avenue at 39th Street 1328 Second Avenue between 70th & 71st Street 1569 Third Avenue at 88th Street NASSAU COUNTY Garden City South, 339 Nassau Boulevard Jericho, 501 North Broadway Mineola, 222 Old Country Road New Hyde Park, 699 Hillside Avenue Oyster Bay, 135 South Street Port Washington, 960 Port Washington Boulevard Rockville Centre, 41 Front Street Westbury, 1055 Old Country Road QUEENS Flushing, Astoria Boulevard Kew Gardens, Main Street* Maspeth, Grand Avenue Middle Village, th Street Ozone Park, Liberty Avenue Rego Park, rd Drive SUFFOLK COUNTY East Setauket, 234 Main Street Farmingdale, 27 Smith Street Hauppauge, 740 Veterans Memorial Highway Holbrook, 4250 Veterans Memorial Highway Huntington Station, 580 East Jericho Turnpike FLORIDA BREVARD COUNTY Barefoot Bay, 1020 Buttonwood Street BROWARD COUNTY Cooper City, 5854 South Flamingo Road Coral Springs, 2855 N. University Drive, Suite 100 Ft. Lauderdale, 633 South Federal Highway HILLSBOROUGH COUNTY Tampa, 2514 West Kennedy Boulevard INDIAN RIVER COUNTY Sebastian, 1020 US Highway One Vero Beach, 1717 Indian River Boulevard 18

21 MIAMI-DADE COUNTY Miami, 1001 Brickell Bay Drive, Suite 100 Coral Gables, 2121 Ponce de Leon Boulevard, Suite 130 Doral, 8484 NW 36th Street, Suite 100 North Miami Beach, Biscayne Boulevard ORANGE COUNTY Winter Park, 1720 Lee Road PALM BEACH COUNTY Boca Raton, One North Federal Highway Jupiter, 185 E. Indiantown Road Palm Beach, 335 South County Road North Palm Beach PGA, US Highway One, Suite 100 West Palm Beach, 307 Evernia Street PINELLAS COUNTY Clearwater Countryside, 2605 Enterprise Road East, Suite 100 Dunedin, 1352 Main Street Palm Harbor, US Highway 19 North *OPEN SUNDAY 19

22 For calls outside the U.S Valley National Bank. Member FDIC. Equal Opportunity Lender. All Rights Reserved. VCS-5855