This presentation contains forward looking statements concerning Valley’s future business outlook, financial condition and operating results. Generally, the words "will," "may," "should," "continue," "believes," "expects," "anticipates" or similar expressions identify forward looking statements. Readers are advised not to place undue reliance on these forward looking statements as they are influenced by certain risk factors and unpredictable events. Factors that could cause actual results to differ materially from those predicted by the forward looking statements include among others: unanticipated changes in the direction of interest rates; competition from banks and other financial institutions; changes in loan, investment and mortgage prepayment assumptions; a higher level of net loan charge-offs and delinquencies than anticipated; insufficient allowance for loan losses; relationships with major customers; changes in effective income tax rates; higher or lower cash flow levels than anticipated; inability to hire and retain qualified employees; slowdown in levels of deposit growth; a decline in the economy in New Jersey and New York; a decrease in loan origination volume; a change in legal and regulatory barriers including issues related to compliance with anti-money laundering and Bank Secrecy Act laws; the development of new tax strategies or the disallowance of prior tax strategies; and unanticipated litigation pertaining to fiduciary responsibility NOTE: Valley disclaims any obligation to update or revise forward looking statements for any reason. Information For Investors And Shareholders | 
