Valley National Bancorp (Valley) is a bank holding company. The Bank provides commercial, retail and wealth management financial services products. The Bank provides banking services, including automated teller machines, telephone and Internet banking, overdraft facilities, drive-in and night deposit services and safe deposit facilities. The Bank also provides ancillary services, such as foreign exchange, documentary collections, foreign wire transfers and the maintenance of foreign bank accounts. Valley National Bank operates in four business segments: commercial lending, consumer lending, investment management, and corporate and other adjustments. Valley�s Wealth Management Division consists of trust, asset management and insurance services. Commercial Lending Segment makes commercial loans to small and middle market businesses. Consumer Lending Segment offers a range of residential mortgage loans for the purpose of purchasing or refinancing one-to-four family residential properties.