BANCORP OF NEW JERSEY, INC. receives 2012 and 2011 Sandler O'Neill + Partners All Stars Rating

Bank of New Jersey receives 2011 Sandler O’Neill + Partners All Stars Rating

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

Chairman's Message

WHO ARE WE?
Bank of New Jersey is a newly-chartered community bank with headquarters at 1365 Palisade Avenue, our new main office is in the heart of Fort Lee, NJ. In May, 2006 Bank of New Jersey was successful in raising $43,600,000 in initial capital, the highest ever raised in the history of New Jersey banking, with no institutional investors and no underwriter. Accordingly, we have opened seven additional offices.

Banking facilities are:
1365 Palisade Avenue, Fort Lee, NJ	(201) 944-8600
204 Main Street, Fort Lee, NJ	(201) 944-7200
458 West Street, Fort Lee, NJ	(201) 944-7222
401 Continental Plaza, Hackensack, NJ	(201) 968-0008
320 Haworth Avenue, Haworth, NJ	(201) 387-9910
4 Park Street, Harrington Park, NJ	(201) 750-9970
104 Grand Avenue, Englewood, NJ	(201) 227-0160
354 Palisade Avenue, Cliffside Park NJ	(201) 313-0025

The bank has turned a profit each and every month since its third month of existence (August 2006) and offers a full range of products and services.

Our stock trades on the NYSE: AMEX under the symbol: BKJ.

OTHER SERVICES

Safe Deposit Boxes

Gift Checks

Wire Transfers (Both Domestic and International)

RECENT EVENTS

In November 2006 the bank holding company was incorporated as Bancorp of New Jersey, Inc.

On June 3, 2008 Bancorp of New Jersey, Inc. was approved and listed on the NYSE-Amex under the symbol BKJ

In October 2008 FDIC Deposit Insurance temporarily increased from $100,000 to $250,000 per depositor through December 2009

In May 2009 we applied for a seventh branch at 104 Grand Avenue, Englewood, NJ

The bank has elected to participate in the FDIC's temporary transaction account guarantee program. Under that program, through December 31, 2009 all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount of the account. That coverage is in addition and separate from the coverage available under the FDIC's general deposit insurance rules.

OUR VALUES
We pride ourselves on attracting and retaining the highest quality employees: three of our executives boast over 35 years' banking experience each, and the majority of the existing staff were colleagues at BridgeView Bank, in our same market area which was merged in 2003.

We neither applied for nor accepted any T.A.R.P. (Troubled Asset Relief Program) money nor did we hold any FNMA or FHLMC stock. We offer no credit card portfolio, have no sub-prime mortgages or any mortgage-backed securities and no brokered deposits. We have not reduced even one client home equity credit line and continue to offer the same credit availability as good judgment dictates. The bank enjoys over $50,000,000 in total capital making it one of the safest institutions available.

IT'S ALL ABOUT RELATIONSHIPS
Many Bank of New Jersey branches have full service business hours from 7:00 AM to 7:00 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays except the Hackensack office which is open from 9:00 AM to 5:00 PM on weekdays only. Branches have 24 hour ATMs as well as 24 hour telephone banking availability. All branches except Main Street, Fort Lee and Hackensack have drive-up facilities and our remote deposit feature is available for qualified businesses which want to avoid a trip to our office.

We answer our own telephones (Yes, the CEO too!) and you are invited to stop in and meet us where we offer a full line of deposit and loan products as well as free checking.

We will guide ourselves with the age-old principles of banking:
• KNOW YOUR CUSTOMER
• PROVIDE FAIR DEALING
• PROVIDE SAFETY

In summary: It is our goal to make banking at Bank of New Jersey a positive experience, to provide the very best service, most convenient locations, quick attention to your loan requests, and the most up-to-date technology.

This is my promise; indeed, it is the covenant of Bank of New Jersey.

P.S. WELL BEHAVED DOGS ARE WELCOME!