On the same day in 1994 when a New Jersey bank announced a deal to offer credit cards to the residents of South Orange Township, New York Mayor Rudolph Giuliani said he wanted the same for his constituents.

Peter John Southway, first senior vice president of Valley National Bank in Wayne, had just returned to his office from signing the South Orange agreement when reporters from The Wall Street Journal, The New York Times, and other news media began calling.

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