By resolution duly adopted by the management of Valley National Bank, currently located at 70 Speedwell Avenue, Morristown, NJ 07960, including all branches and subsidiaries (the "Bank"), the Bank approved and adopted the two Heter Iska forms
(Exhibit A: Loans and Financial Accommodations and Exhibit B: Deposits and Savings) which are available in this site, in order to comply with possible violation of Jewish law that prohibits transactions and other financial arrangements requiring the payment and acceptance of interest.  Any officer of the Bank holding the office of Vice President or above are authorized and empowered to, execute and deliver the applicable Heter lska form. For a copy of Kosher Certification by KFI please click below or use the following link www.kfikosher.org/id/k672

Kosher Certificate

Exhibit "A" Heter Iska: Loans and Financial Accommodations

Exhibit "B" Heter Iska: Deposits and Savings