714310--2/28/2008--VALLEY_NATIONAL_BANCORP

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{condition, economic, financial}
{loss, insurance, financial}
{product, liability, claim}
{regulation, change, law}
{acquisition, growth, future}
{competitive, industry, competition}
{capital, credit, financial}
{cost, contract, operation}
Changes in Interest Rates Can Have an Adverse Effect on Profitability Competition in the Financial Services Industry Loss of Lower Cost Funding Sources Changes in Primary Market Areas Could Adversely Impact Results of Operations and Financial Condition Allowance For Loan Losses May Be Insufficient Potential Acquisitions May Disrupt Valley s Business and Dilute Stockholder Value Changes in Accounting Policies or Accounting Standards Claims and Litigation Pertaining to Fiduciary Responsibility

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