Stewardship Financial Corporation (SSFN)

[Penny Roger$]

Stewardship Financial Corporation serves as a holding company for Atlantic Stewardship Bank (the Bank). The Company’s primary business is the ownership and supervision of the Bank. The Company, through the Bank, conducts commercial banking business, and offers services, including personal and business checking accounts and time deposits, money market accounts and regular savings accounts. It engages in a range of lending activities and offers commercial, consumer, mortgage, home equity and personal loans. The Company’s service area primarily consists of the Bergen, Passaic and Morris counties in the New Jersey market. As of December 31, 2010, the Company operated its main office in Midland Park, New Jersey and 12 branch offices in Hawthorne (two), Ridgewood, Montville, North Haledon, Pequannock, Waldwick, Wayne (three), Westwood and Wyckoff, New Jersey.

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