.

!,,.., ,: ., #,.=: _ _ .J

In 1927, Charles I.indbergh completed the firtt tolo flight acros~ th~ Atlantic

T})@Holland “lunncl opened, linking lower Manhattan and New Jersey.

Babe RLlth became the highest paid professional baseball player in history,

earning $70,000 per year, and Valley National Bank opened its doors to

serve the fin:] nc:i~]lne~ds of Ioci]l consumers :]nd k)usir]~<~~<.

diverse cornrntini~iei rhrotigtioti! norrh@rn NPWJ@”rs@y”afid”,Manhattan.”, “:”” “ ,,:”” ~~~:““” ~~:

Contiguouscouhties in central New Jersey, south#rn:NewYorkitateanti ~~~~~

1; ,:::: $2:

Pennsylvania, :asw@lla~’oth~r boroughs of NewYtirk”City are easily within

the sphere of otir”super+com”munity ban~n~model, and” repre<ent

potential growrh areas for the future,

~Oursuciesihaibien rnade:pos<ible”bybalancing newideai “with traditional”::” ~”,::, “,:,,

~~Valley futidxW@htals -superibrtusrorner !ertiit@, :trong l<ndir~g sfandifdi, ~~, ~~,:, ,:,,

a“”botto”m-lin”efocuson “performance atid a“”cornmitm~ht to”corrimunit y,:” , ,“ ~”:: ~,,: ~‘,

involv<rn@nt. AdSpring 10‘ch.ahg@”tith: rnarkct-dtivc:n: prod,ucts and :services, ~~~”

and technological advanceshas’helped valley respond tonewchallenges ~~~~~:“~:, ~~~~, ~”:“

andopportunities.: :, ~,,

~:Irr 200”1;We continued to””,build r@lation”stipithat reprise~tt~e”foundatioti :“’: ~~’,“ ~~~:,~,

upon which Valley’s:fra”n<hiiehas””grotih,We have~st+n”4dahtile*tin4d, ~~:,, ~~~~~~ ~~~:~,:”

‘increasing our,underitandi”ng of,the”finaricial nekdsoft~etifi~”titikakk+t-,:,: ,,, ~~~~~: ,:,

~‘placewe serve; Arnark4t~ltit4 thiit iricludes corrimuriiti@j th~t”:ti~ttiri~frurn ~~,,””:, ~, ~ ‘ “

: rhk pastoia”l”s@ttin~ of rural Warren “~ounty, ,,tb the “burgeoning suburbs of: ,: ~~, ~~~,“:

Bergen; Morris and PassaiccDurities and urbafl, comrntinide: irrcludingtlie, ,:, :“ ,::::,,::”::

dy~amiirn etrotiol”ii,of M“iio”hii&~n;,” ,, ,“:, ~~~~~~~:,:””, ,’ ,“’,:”: ~~~~:,: ::,:”:””,:”

:These comrntinitie$dif f#rinsize,,getigraphy,,a"rid,demogr3phic “toti~tisi~ ~~~:“:,:::::: ~~:

, tion, yet, all aieunired by the needfo(abanhn~,pa rtnerthat”ca”n’hel~fhern”,: ~~,:””::,, ~~

: :achieve their fi~aticial”goAl~ .:By””p”rtitiidi~~:th+ ~i~ht”,rnix ~fp”roddcts and ~ ~~~:::: ~~~~:::: ~~

services, ton”v4ni4ntd#liv@”ry ch~Ihhels; ,i knowledgeibl~;: prof@ss”ionaland,:, ~~~:::,:

“,friendly staff, and “personal “involvement “in”contfibtitinqto a:bktter”quality,of”, ~~”: :“ ::”’

1“::’’:”::”::’”’’’”:’:lif#, Valley Natitinal BAnk i< r~definififi”th~ ”cohcepr bf “cornmutii[y bahkin”g,”, ,::,”:::”

“’ ,,,

December 31,

2001 2000

(jr)!f)t><),,(,(,)d<,C,VL*P[101SIIarCdata)

cash arid due tl<:>!)ll><>l)ks 5 3’1l,n50 ~ 239/105

FederiIl f[,n<155nld 85,UOU

Ir)ve<ln>ent 5Pr1Jritics Ihcld to matL\riry, fair v:ilue of 5476,872 arid

254.3,0.i4 in 2001 and 2000, rP5pectively 503,061 5’?7,1!;0

lllvt?stn7cnt securities Availatjl? fur S31F 2,171,6 <15 1,626,0s6

Loans ~ 17’1,1835,275,382 .t,

1.0,1115Ihcld for sale 56<2?,>..,,.. ‘17,!)?7

Total loans 5,331,80/ ,~;,lno,l ‘1o

Less!Al10w3rIce fur lu~r> Buss??,,,,,.,.,,,,,,,.,,...... ,,,,,,J$J,H03) (61,995),,,.. -..Net loans 5,2 b8, ul)l !,1.?.7, I ‘1.1

Pre,l)i505 ,>nd +Trjuipimcllt, !nct 94,178 91,215

Accrt~?d intcrcsr receivable 42,184 4!),870

B~nk owned life insurar)c? 102,1)0

Ut17er ass?ts !(),67 3 ‘i05,4’19

T(>tal assets $ ~,5f13,765 5 7/901 ,>bo

33,31U 32>015

4n6,608 321,Y7U

270,730 ~,7>855

(fio2) (7’7s)

,,,,.,j:l,038 (,2>.307)

729,684 668,/!>8

(5’I.30Y) (:2!/.!!L

,,p,::,,,!,,,,,,,,

“i.,,,,.!~:,: ,,, ),,:;,,,1 ; ,, ,: , j ,:) j ~ ; ,:: ,r, ~ ,,, ,, ~ ~.,,

~:unj j,:,:,,, “,;,.,t:,,.,,,,:,; :;;i ~:~,,

P,QARD Or DIRE(:TOI?S

Andrew B. Abramson

Charles .J. Baum

Pamela R, Bronaoder

Joseph Coccia, Jr,

Harold P. Cook Ill, Esq.

Austin C, Drukker

Graham O. Jones, Esq.

Walter H. Jones Ill, Esq.

Gerald Korde

Gerald H. Lipkin

Robinson Markel, Esq.

Joleen J. Martin

Robert E. McEntee

Richard S. Miller, Esq.

Robert Rachesky

Barnett Rukin

Peter Southway

Richard F. fice

Leonard J. Vorcheimer

Joseph L. Vozza

Spencer B. Witty

(,:cj j ,,:,, ?; ;,$, :, ; t > c i,>: ‘; U :,,,:~~;,,,

OFFICERS

Gerald H. Lipkin, Chairr~)a(\ UI

[t)* B,:,t,rd, Pt(,5iflent & CIO

Spenmr B. Witty, M<? Cl)<>iilT\<>rl

EXFC(JTIVE VICF PI<ESIDEN IS

Peter Crocitto

James G, Lawrence

Robert M. Meyer

Peter John Southway

tXtCUl IVE VICE (>fiE\lDENT&

CIIIrF FINANCIAI r)rrlcEl<

Alan D. E5kow

FIIIST SENlOl{ VICE t>liESIDkN 15

William J. Cardew

Kermit R. Dyke

Albert L. Engel

Robert J. Farnon

Robert E, Farrell

Richard P. Garber

Eric W, Gould

Robert J. Mulligan

Garret G. Nleuwenhuis

John H. Prol

\ENIOR VICE PRESIDENTS

Jack M. Blackin

Laura Blackwell

Franklin Bol[horst

Elizabeth De Laney

Carol B. Diesner

Lawrence E. Flack

Wayne Fritsch

Walter M. Horsting

Peter T. Jackey

Dorothy Kahlau

Edward L. Lawrence

Barbara Mohrbutter

Bernadette M. Mueller

John J. Murphy

Kenneth W. Nickel

Andrea T. Onorato

Susan 5. Pinn

Marianne Potito

Richard M. Seguine

Thomas Svarkes

5ENIORVICE PRESIDENT&

T,[N[RAl,, C()(JN5EL

Lucinda P. Long

SENIOI{ VILk PI{ELI[>ENT &

TRIJ5T OFFICr,R

Thomas D. Pearsall

FII<SI VICf t>liESIDkN I

Martin J. Carbotti

Robert J. Chase

Linda M, Bucey

Christopher. Coiley

Ralph Cuono

Stephen P, Davey

Joseph J. DeMona

Dianne M, Grenz

William J. Kam$ti

Jeffrey 5, Kramer

Susan N. Milch

Robert E, Rose

Harry A. Rosen

Sandra L. Seville

Robert F. 5ierchio

Alfred Sorrentino, Jr.

Robert Stanton

joseph A, Telinbacco

IJrian Tish

Robert C. Vliet

fll<S’1’VICL Pl{k51DENl &

CONTROLI..FR

Christin@ Mozer-13aldyga

,,,:, ,,,,, “!, !,, ;~,,!i:!,,,’,>;,‘!,1!!!t,.,:, ,, ,,:;,,,,,,,,~!,,,,,[ ,,,,>(,, “ii!!:, ?~!,{~!:!,!i:,v

Joseph A, Perconti,

President

k?,i!!:!,:; ‘(,:,,,,,!) ;I ;.1i

;~.:,:i;,:j,i,,:,:ljl,.:);;,, :(!,

Peter S. Hagerman,

Prcside!>t & CEO

,;>,,,2i,[4 [“:),:;!,i?, James A. Salerno Jack Kaplowitz

;),,:$,~,,,,:lr,:/ ;:;,,,:,,,,; Iiln Salerno Pontiac R[lit:k GMC Rirch L(]nlhor C.nn)p,lny

P. Russell Bodrato Robert A, Senior Carolyn Kes51er

A1l-Fr,lr)cl! ALIL<)SOIP<, It><:, Thr(!? (oc~nty Vnlkswagcn K?sslcr lnd~~strics, IIIc..

Irwin BurackCorpuratiur) Marc J, Lenner

BtIIat:k ChevrolelOl<lsnlnI~ile, II><. Peter A. Spins Lester M. Elltill Associatc5

Steven K. Cooper

l,lck Trchotlr Ford 5uzuki

Sanford Dorf

D L C Lhcvrolct Company

Lawrence T. Fette

k~tte lm130rt5, Inc.

Kenneth Gensinger

Gensinqer M(iturs

Nicholas Hagedoorn

Boruu<jh Jeep/Etic.Ile

Cl)ry<lcrlPlynln! )th, Inc.

Leonard I’laiken

Prc5tiqc hnp0rt5, I13c.

Lee M. Homer

Wylnan rord, Inc.

Sanford Kalb

I{rtircd

Stuart Lasser

5drLtrn uf L)enville/

Mo(ri51c>wr1/1i.itlgsl[,,)

Gerald A. Lustig

Ar.(Ira nf [)cl]villc

Samuel A. Magarino

M2g,lrinn rord M,crclJry

John 5, Merriam

Gcarharr Ent~rpri8cs, IIIC.

Eugene C. Meyers

Hawthorne Auto \ales CurrlparIy

Fred J. M@yers

Pie<!kr)e$s Chevrolel, l,>{-.

Frank Nappa

WcIyr\e ALI(<>5iIle\, II>(,

Dennis C. Oberle

Mdhwah 5al*$ fi Sotvi<+?,Inc.

David R. Porter

Iicll Imports Ltd.

Robert X. Robertazzi

Liberty Lincolll-M?rcury, Inc.

Bruce Wainwright

Rlltlcr CIlly<lcr Ply111<7L1Th

Je<?p,inc.

Grace Bielefeldt

RP* P,)p@rCOlnp<lny, In<

Milton Brown

A<:r(>(J,ItAIIt

Melvin Cohen

Handi-Hut, Inc.

Dorothy Druian

~r[~okd~le 5hup-flite, Inc.

Phil Forte

Sarldy Hill B(lil<lir)q 5UVPIY Co

Stanley Lee Gottlieb

The>Di,lmnnri Agonry

Arthur 5, Gurtman

C<7nsultant

Joseph Guttilla

Chopl~cr Express, Inc

Mitchell Herman

Service Fabrics, Inc

Lester F. H@rrschaft

Alber LA. S(ier, lrIL,

Edna Kanter

Passdic-Clil(uo Dtiv-Ur-5ell

5y5T<,ln>1,><.

Donald Lesser

Pine Lesser & Sons

Robert Lieberman

A1l-W~ys Adv?rtisirl[] CurrIpa{Iy

Anthony J. Mazzone

hlnovation Data Processing, lInc

John V. McGrane

McLrane Mortgaq? Com[pany

Roy G. Meyer, Sr,

EllT1wuud 5L1pJly colT1pdlly, IIIL,

Jeffrey Moll

(>ass~icHeth Israel Huspital

Patrick Mucci, Jr.

Group Advisory, lrIc,

George Poydinecz

Dcvt:lopcr

Joshua Rabinowitz

Con501r21>r

Vtncent Riviello

KTI N?w )crscy ~hcrs, Inc

Gerd Rohmert

Mayer “i?xdles Machirle

C<,rporfitic,(l

Elliott Taradash

Cllchon Ilcalty, lIIr.

Gary D. Bennett, Esq.

Koch, Koch & Bcnn?ft

Gilbert Buchalter

Pharnlaccutical lnnovatinl~<, Inc

Thomas Cifelli

Cifclli As50ci3tc5

John Coffey, Esq.

Atturr)?y-at-L~w

Francis Costenbader, Esq.

Al[urr)Fy-8 i-Law

Charles Cumella

Fe(lco 51*PI C<>rl)otdliol)

Andrew Fiore, Jr.

AWF I ~,>$ir)q Cc,rpr,r<,lii31]

John E, Garippa, E$q,

Atrorncyat Law

Alan Golub

Modern El?ctric Co.

Peter A. Goodman

Guodman >ales Co., lr)c.

Charles B. Hummel

HLlnlmel Machine & 1001 Lo.

Robert Kuhl

J. Kuh Met~ls, Ir)<,

Joseph LaScala

Bell Mill Cor>$[iuc(ic:]!)Co,, 1!)<,

Alan Lambiase

Riv?r Tcrmin,>l Dcv,?lolpn]c?tltC.,?,

Thomas J. Lazur

N,>rional Si<linq C.nrpnratinn

John J. Martello

John ~. Martcl lo, Inc

Thomas Martin

CP lest Services, Inc.

Joseph Melone

5tirI Carlu R?$ka(Irar)[

David Newton

N?wrFrIl, lrIL,

Robert A. Nicosia

llr3i.*r5<>l Os>r>(jinqIC>51)12!><PCo.

Jo$eph Petito

511115crD?li L Liquors

Peter Pfaff

Pf~ff Tool & Manufacturing, IIIc.

Licinio Silva

Silv<l% 31va, inc.

Maria Silva

EL1rupe:!r’1TtiI.el Agency

Pasquale P, Tremonte

FulroII Rtlikinq CO., inc.

Richard Tully

KPdrny S13npI*tc

William Van Ness

VarI Ne55 Ploltit: Molding Co.

J. Scott Wright

Graphic Manaqelnellt, lr)c,

!’:.!:):,;,!,,i; )i

,:\,<,:,:,. ,>:, fi:,,,! <(<

Jos@ph Abergel

Jor~lark Textiles, Ii){,

Stanley Blum

RluIrI & Fir>k, Inc.

Edward Blumenfeld

Rkln]t?t]fcld IIcvelopmellt

Group, Ltci.

Leonard Boxer, Esq.

5truuck 5truuck & 1,1.,~tI I I P

Jack Forgash

Iri-tiealty Mar,tige[[>?nt

C0rp0r2rit3>1

Sidney Gould

tiruckller Plumhin$] &

Healill<J CorI)orali(#n

Rudolf H. Hertz

Curlbi,l(<!,)[

Robert Israel

Kerl[ shire Gijlle?ies, I td.

Pet@r Jakobson, Jr.

J<]kc>l>5<)rTPrm~Prtifi5, LLC

Steven U. Leitner, Esq.

Attorney-at-Law

William L@rn@r

Itnperial Parkirl<] 5y5(I?rI)s, l!~<

Nathan Lubow

COnsultarlt

Sara L. Mayes

FaslliOn Accessuties 5tlippei5

A~s(:,ci;,lion, k~c.

Alan Mirken

Aaron Publishin[l tiruup

Mitchell J, NelscI”, Esq.

>,II,I!I,, Herl/lPl<l, llcill.>r[]tll>,

Christy &Vier)er

Joel L Picket

G<)tlhi)rn 0iq3ni72tiot1, I17c

Harvey Ravner

ReiIl F<t2te lt]vcstor

Leonard 5chlussel

Welhl[ E<ltlipmen? Coqlnr3tiol-

Charles L SiIberman

5, P,lrker Il,)rdwarc

Manufacturing] Curpuratiurl

Alvin Singer

Sr)k]er Nel!cJr( Ctl,]cln~ers

Marcia Toledano

990 AvA[?)e[i<,l< A$~oci2tt?s

John Usdan

Midwuutl M;IiIiIqeo~#r)t

Cnrpor<3tion

~,,;/ , ,!?,, ,:?,; i<.:,!j,;:!:>!*i!l

,,~,,:,,,,,:~~,.,,)! :,; S,,,j ,,!r ,,,,;

Donald Aronson

Donald AronsoI1

Curls~ll(irlg Gro<II)

Donald W. Barney

C[>rlslll(arl(

Stanley Berenzweig

Rag Shnps, Inc.

Peter Damon Brown

tlt?athcr Hill Sportswear

Ralph A. Contini,

Certified Public ACCULIrIttirI(

Michae! D’Agostino

Zl~ck?rL~crg’s Industrial Park

Donald N. Dinallo

lern7in31 Curls(ruc(ic.>[1

<.nq>0r2ti0n

Bernard Dorfman, Esq.

Attorllcy -at-Law

Harold Effron

Fffroll I{?alty Assucia[?s

Leon Finver

C.ot]tinc11r21Ag?ncy of

tlorid%, Inc.

Judith Greenberg

Herilt,qo M,lfl,lg?mcllt Co.

Arthur Joseph

Krass-Joseph, Inc,

Robert W. Landzettel

I ~ron P,3i11t& Wallpaper Co.

Burton Lerner

T?navision, Itnc.

Lawrence Levy, Esq.

Marcus & Levy

Stewart C, Libe$

<ot15[Jlr2nr

Anthony F. Marangi

CUM 400 knterpris?s

John Nakashian

H,H, Naki(!t)i~]rl & 5011$

Kenneth Olsen

GI<IILAir Tecllt]iqt)o<, IIIC.

Hal Parries

The P~r!\es (or))[),)t)y

Richard Pearson

Fle?r Fq(lipn>?nt CO.

James R. Poole

Ponlc & Company

Robert J, Shannon, Jr.

Administrator,

“[uw!)~lli[) o~Wyckoff

Alfred Simon

C~r(ih~<t ?~,l)li<:A,;cnljntant

Albert Skoglurid

I Iill@t k 5koglund, Inc.

Marvin Van Dyk

V211Dyk Hcaltl? Care, Inc.

Arthur M. Weis

Capintec, Inc,

Rtchard H.Weisinger, Esq.

fischcr, Wcisinq?r, Cali[]tlir?

& Port?r

William Cohen

Goliyhtly CAIIdy Conlpally

Anthony Costa

Resiatarai)letlv

Jack Felicio

Rl~oml~t)s 5<~ftwarr, klc.

Gerald B, Green

ConsllltJnt

Steven R. Gross

‘TYL?IMe(ro & CO17)pA13y

Kenneth Jayson

laysrJII 01 Con3pat1y

Herbert Lefkowitz

Consolidated 5ir~)or)

Distrifu[or5, If)<,

Seymour Litwin

Prude[)tidl Woneor Real Estate

Lawrence J, VAassaro

Lordi!)it Uc,il<lecs,Inc.

Cosimo Pedicini

crps Construction Lo.

Tino Rosa

RO<J Aqcncy, Inc.

hnthony Sa

S3 & Sons Lunstruc{iurl

CUmlpdrly> Illc,

Theodore Schiller

5ct\illPr k Pitte!)gcr, P.C

Marvin H. Strauss

Cl]airlnatl, Newark Chapter

Service Curps uf R?iire<l

Ex?culives (SCORE)

Sanford C. Vogel, E$q.

A[lorI)ey at 1,~w

*:,,,. ,,,;~,,,,:; ;~ ~>,,;:$:,~,,:$,,~;, !

,j\,(j ,::,<<,>1, !)6,(, ?l;,

Edward F, Bo$cia

I.R.Ward & SOIIS, Inc.

Albert Burlando

Alnlet~k kldustries, )k)c,

Vincent DAccardi

I dkfi Dovclopcrs

Steven Dickman

CIicknlall Business Brokers

Paul Dunajchuk

Ruxt~ury W?I(er Cc)

Thomas D. Farka$

H<rt)+rl 1,,,F<)rk(2~C.01np211y

Eugene Feyl

[ F ~,onrl 5y5tctms, Inc.

!%Ian Goldstein, Esq.

Ntlssb3ur~), 5teir\, Gulds(eirl

& Rronsrt:in

George Hagemeister

Consultant

Jackie Harrison

(:cnri!r For Humallistic Change

Willard L. Hedden

Col>sllltallt

Robert A. Hopler

Stroud-Hopler, Inc.

Gilb@rt R, Jacobs

JA-BAR 5ili<ur1e Curpor;liiur]

Joel A. Kobert, Esq.

Coufte(, Koberr, L.atlfer 8 Cohen

Joseph Kubert

‘The Joe Kub?rt 5ch[,ul of

C2rtno11 & Gr2pl>ic Art, Inc.

Dennis C. Kwasnik

lee [’F? b>aLka[]irlg, I<)c,

James Luke

(31UVFA\\u<i:\(~\

David Madden

Perrndquid UnderiMri[irl[]

Brokeraqe, Ir)c,

William H. McNear

M< NP,)r ~xc,lvatil)g, Inr.

Kathleen Medore

Natiollal truit & Lssences, Ir)c.

Ronald P@tillo

P?(illu Efjierpri~?~, III<,

Roy Solondz

Roxbllry Mortgage Co., inc.

Robert Viersma

Bob Vier5m3 & 5,3ns, Ir,c,

Stella Visaggio

ll~ckcttstown Cotnmunity

Hox12ir31

Henry M. Winstead

H & WTUUI CU171p311y,III<,

‘~,:~i:~,,j :, ,:~,T,, ;; ~,),:,.~,:,,:,;, ;1 ~

,;’~)TIii i?,,::,I>, !::(,?, ! {i

Sanford D, Axelband

Barclay Prograln Services, LLC

Jeffrey 8irnberg

J, Qitr)berg & Associates, LLC

David M. Collins

c,>115[11tal>t

Thomas D. Collins

Hardwdre Corl>ult~rlt

Patrick D’Angola

ARCS F,>hric,>tors, In<.

lo$eph J. DeLuccia, Esq.

Artorll? y-at-Law

Kenneth Elkin

KG Specialty \teel, Inc.

Nicholas S, Genti[e, Jr.

PompTon Lakes B[)ilding

~LlpplY Cr~,

Jay Gerish

)LG*~ri51),In,:.

Donald Gottheimer

[1 & B Wh01C531C Cosmetics, 1$1(

Ronald Higgins

i{LM insurance Agency

Frank Kobola

Knl)r(ll) lnv@5tn?6?nts

Gary Len

GI{L Advisors

Richard Len

(3RL Advlso($

Sanford Levine

Sanford I,evino & Sons

Pack,agil?qCorp

William J. Lloyd

Retirr<l F(,!I>PrJl Dirortor

Charles A. Lots

Certified I,ublic Accuurltant

Saul Lupin, CPA

5r1101iri, Lupii) h Cor)) I)dr)y, PA

Solomon W, Masters

l?cal Estate Brok?r

Robert Ringley

Ber Pl<\5[ic5, Inc.

Stacey Rudbart

Morgall StalllPy Dean Wittel

Ben Sher

Sher L)istributing CO., Inc

Dr. Arnold Speert

Wilian) P4tc~rsm>IInivcrsity

Robert J. Topchik

Consultant

Richard Unman

Naliur\al Ptesciip[ ior)

Acll>]i!>i5tr+tc)r5, lnr.

Salvatore Valente

I<ildisco Man[Ifacturing CO., IIIC.

Barbara Dunn

Paterson l121>it,3tFor Ilumanity

John Griffith

Pul)li< Service Electtic &

G,>s<O,lli><ll>y

Christopher Kui

Asiall Atllcricans for Fquality

Joseph Masciandaro

C:IVe Plus NJ, 1!><,

Rev. Earl Modean

R*T. Fir<t l(lthcr211 Ch\lrc17

(Iifton

CORPORATE ADDRESS

Vall?y N<ltiol?al kdrlcorp

1,155 valleY Road

WayI1c, New Jers?y 07470

(973) 3W,-S800

STOCK LISTING

VJIICY Na\i<:,nJl BancrJrp COlnlnon

stuck i5 trided UII (h@ New York 5Cnck

Excl~2nge urldei the symbul VIY

ANNUAL MEETING

We flncsday, Apfi 10, 20U2

:3:00 PM

I<adissur>

690 Rf)~ltc 46 k~s(

Fairtleld, New ICVSCY07004

(Y73) ?77 9200

FORM IO-K

Valley N,3tio$1alEacl<orp bvill pruvi(le,

witl>our ctlarge, A copy U( ?[52001

Annual Re,)ort or Fornl 10K, l<Pques[5

should t>? s?nt to:

Diaont? M. Grenz

Fir5rv,ce President

Sharehol<l?r l{elatiur>5 Dept.

ViIllcy Nariur]al b~ncorp

t455 Valley Road

wayr>e, Nfiw JPr5ey 07.$70

(<)7>) 305-3380

dmgrerlz(Gvalleytlatiurlalbdtlk. com

lhe 2001 Annual (Reportand Form 10 K

31e ,11s0availat~le on our web !it~ at

www.v811~y(1<irionalh~ r]k,<o!)~.

SHAREHOLDER INQUIRIES,

DIVIDEND REINVESTMENT PLAN,

AND REGISTRAR AND TRANSFER

AGENT

For ir>iort>larion r~<l;lrding share

ac<oonts of c<>IT~InoIIstock or VJIICY’S

Dividend Reinvestment Plan, pleas?

C0,1(8CTTIIC I?egistr<\rAnd Transfer

Aqeni or Vdlley National B{tr~corp

America!) Stork “Traniler h

‘1ru5t Company

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