Our Privacy Policy Statement

Valley National Bank respects your right to the confidentiality of your personal information and we value the trust you have placed in us. We want you to understand how and why we collect, store and use non-public personal information about you. We want to assure you that we observe strict measures of security, confidentiality and privacy with respect to this sensitive information.

Our Privacy Policy applies to existing and former consumer customers; however it does not apply to commercial accounts. We do, however, take precautions to protect commercial information as well.

Collecting Information

We collect and use various types of information from and about you; however, we limit the information to the minimum required to accurately identify you as our customer, to deliver our services, to develop and market products and services, and to manage our business properly.

We obtain information about you from the following sources:

• Your applications or other request forms for our products or services.
  
• Your accounts and transactions with Valley or our affiliates.
  
• Your credit history from credit reporting agencies, public records, market research and other companies.
  
• Information we receive if you use the Internet to apply for or use any of our products or services.

Sharing Information

We do not share or sell information about Valley customers or former customers to non-affiliated third parties (except as explained below). However, we do share information about our customers with our affiliates to enable us to provide you with additional convenience, to serve your financial needs better and to make you aware of our special offers, products and services.

Valley owns a number of other financial companies with which we share information including insurance agency, investment advisory, brokerage, asset management, mortgage / loan servicing and title insurance firms. Some examples include companies doing business under the names New Century Asset Management Inc., Hallmark Capital Management Inc., Valley National Title Services and Masters Coverage Corp.

Valley uses carefully selected non-affiliated companies to perform services such as check printing, data processing and direct marketing, which enable us to provide our full range of products and services to you. We provide only the information they need to offer our services to you. All these companies must conform to our confidentiality requirements and our Privacy Policy and are not permitted to use your information or contact our customers for any purpose other than to carry out the tasks specified by Valley.

Your Choice to Limit Marketing

You may limit our affiliates' ability to market their products or services to you. This marketing is based on information that we share with our affiliates, such as your income, your account history with us and your credit score.

Your decision to limit marketing offers from our affiliates will not expire unless you revoke it in writing. This limitation does not apply in certain circumstances, such as; if you currently do business with one of our affiliates, or if you ask to receive information or offers from them.

Your Opt Out Choices

If you prefer that we do not share information about you with companies in our corporate family, other than information permitted or required by law, you may direct us not to disclose this information by opting out in one of the following ways:

       1. Write to:     Valley National Bank
                          Attention: Customer Service, Privacy Section
                          1445 Valley Road
                          Wayne, New Jersey 07470

                          Or

       2. Call toll free: 1-800-522-4100

To expedite your request and to ensure that it is accurately processed, you are required to provide your full name, street address and telephone number, account number and/or social security number.

Customer Confidentiality and Information Security

The relationships we have and the financial records we maintain on our customers are confidential and are protected by comprehensive systems and selective staff access. Accordingly, we permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. However, we may be legally required to divulge certain information about our customers in response to a court order, to prevent fraud or to comply with a requirement of a government agency.

Other Information

If you have any questions about this Privacy Policy Statement or about the security and confidentiality of your non-public personal information, please call our privacy representative in our 24/7 Customer Service Center at 1-800-522-4100. This Privacy Policy Statement is available in all of our branches and also may be viewed on our website: www.valleynationalbank.com.