dissenting.
We would affirm the judgment below substantially for the reasons set forth in Judge Kestin’s thoughtful opinion for the Appellate Division, Clymer v. Summit Bancorp., 334 N.J.Super. 252, 253-57, 758 A.2d 652 (2000).
For reversal — Chief Justice PORITZ and Justices COLEMAN, VERNIERO, LaVECCHIA, and ZAZZALI — 5.
For affirmance — Justices STEIN and LONG — 2.