STEWARDSHIP FINANCIAL CORPORATION

Stewardship Financial is a one-bank holding company that serves as a holding company for Atlantic Stewardship Bank. Stewardship’s primary business is the ownership and supervision of the Atlantic Stewardship Bank. Stewardship, through Atlantic Stewardship Bank, conducts commercial banking business and offers services including personal and business checking accounts, time deposits, money market accounts, and regular savings accounts. The company was incorporated under the laws of the State of New Jersey in January of 1995.