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established in 1839, provident bank has a strong history of service and stability. as we expanded, our capabilities grew to rival larger regional and national banks. however, our advantage over those larger banks is that we have also maintained our commitment to providing personal service. we serve individual and commercial customers with a wide scope of products and services. from personal checking to commercial loans, each account comes with individual attention from a provident banker. provident bank is the wholly owned subsidiary of provident financial services, inc. (nyse:pfs) and serves its customers through an extensive network of more than 80 branches throughout new jersey and pennsylvania and telephone and online banking systems. member fdic