|   | (i) | The      Compensation Committee of Stewardship Financial Corporation has discussed,      reviewed, and evaluated with the senior risk officer at least every six      months during the period beginning on the later of September 14, 2009, or      ninety days after the closing date of the agreement between the TARP      recipient and Treasury and ending with the last day of the TARP      recipient’s fiscal year containing that date, senior executive officer      (SEO) compensation plans and employee compensation plans and the risks      these plans pose to Stewardship Financial  Corporation; |
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|   | (ii) | The      Compensation Committee of Stewardship Financial Corporation has identified      and limited during the applicable period any features of the SEO      compensation plans that could lead SEOs to take unnecessary and excessive      risks that could threaten the value of Stewardship Financial Corporation,      and during the same applicable period has identified any features in the      employee compensation plans that pose risks to Stewardship Financial      Corporation and has limited those features to ensure that Stewardship      Financial Corporation is not unnecessarily exposed to    risks; |
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|   | (iii) | The      Compensation Committee has reviewed at least every six months during the      applicable period, the terms of each employee compensation plan and      identified the features of the plan that could encourage the manipulation      of reported earnings of Stewardship Financial Corporation to enhance the      compensation of an employee and has limited any such    features; |
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|   | (iv) | The      Compensation Committee of Stewardship Financial Corporation will certify      to the reviews of the SEO compensation plans and employee compensation      plans required under (i) and (iii)above; |
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|   | (v) | The      Compensation Committee of Stewardship Financial Corporation will provide a      narrative description of how it limited during any part of the most      recently completed fiscal year that included a TARP period the features      in |
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|   | A) | SEO      compensation plans that could lead SEOs to take unnecessary and excessive      risks that could threaten the value of Stewardship Financial      Corporation; |
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|   | B) | Employee      compensation plans that unnecessarily expose Stewardship Financial      Corporation to risks; and |
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|   | C) | Employee      compensation plans that could encourage the manipulation of reported      earnings of Stewardship Financial Corporation to enhance the compensation      of an employee; |
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|   | (vi) | Stewardship      Financial Corporation has required that bonus payments, as defined in the      regulations and guidance established under section 111 of EESA (bonus      payments), of the SEOs and twenty next most highly compensated employees      be subject to a recovery or “clawback” provision during any part of the      most recently completed fiscal year that was a TARP period if the bonus      payments were based on materially inaccurate financial statements or any      other materially inaccurate performance metric  criteria; |
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|   | (vii) | Stewardship      Financial Corporation has prohibited any golden parachute payment, as      defined in the regulations and guidance established under section 111 of      EESA, to a SEO or any of the next five most highly compensated employees      during the period beginning on the later of the closing date of the      agreement between the TARP recipient and Treasury or June 15, 2009 and      ending with the last day of the TARP recipient’s fiscal year containing      that date; |
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|   | (viii) | Stewardship      Financial Corporation has limited bonus payments to its applicable      employees in accordance with section 111 of EESA and the regulations and      guidance established thereunder during the period beginning on the later      of the closing date of the agreement between the TARP recipient and      Treasury or June 15, 2009 and ending with the last day of the TARP      recipient’s fiscal year containing thatdate; |
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|   | (ix) | The      board of directors of Stewardship Financial Corporation has established an      excessive or luxury expenditures policy, as defined in the regulations and      guidance established under section 111 of EESA, by the later of September      14, 2009, or ninety days after the closing date of the agreement between      the TARP recipient and Treasury; this policy has been provided to Treasury      and its |
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|   | (x) | Stewardship      Financial Corporation will permit a non-binding shareholder resolution in      compliance with any applicable Federal securities rules and regulations on      the disclosures provided under the Federal securities laws related to SEO      compensation paid or accrued during the period beginning on the later of      the closing date of the agreement between the TARP recipient and Treasury      or June 15, 2009 and ending with the last day of the TARP recipient’s      fiscal year containing that date; |
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|   | (xi) | Stewardship      Financial Corporation will disclose the amount, nature, and justification      for the offering during the period beginning on the later of the closing      date of the agreement between the TARP recipient and Treasury or June 15,      2009 and ending with the last day of the TARP recipient’s fiscal year      containing that date of any perquisites, as defined in the regulations and      guidance established under section 111 of EESA, whose total value exceeds      $25,000 for any employee who is subject to the bonus payment limitations      identified in paragraph (viii); |
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|   | (xii) | Stewardship      Financial Corporation will disclose whether Stewardship Financial      Corporation, the board of directors of Stewardship Financial Corporation,      or the compensation committee of Stewardship Financial Corporation has      engaged during the period beginning on the later of the closing date of      the agreement between the TARP recipient and Treasury or June 15, 2009 and      ending with the last day of the TARP recipient’s fiscal year containing      that date, a compensation consultant; and the services the compensation      consultant or any affiliate of the compensation consultant provided during      this period; |
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|   | (xiii) | Stewardship      Financial Corporation has prohibited the payment of any gross-ups, as      defined in the regulations and guidance established under section 111 of      EESA, to the SEOs and the next twenty most highly compensated employees      during the period beginning on the later of the closing date of the      agreement between the TARP recipient and Treasury or June 15, 2009 and      ending with the last day of the TARP recipient’s fiscal year containing      that date; |
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|   | (xiv) | Stewardship      Financial Corporation has substantially complied with all other      requirements related to employee compensation that are provided in the      agreement between Stewardship Financial Corporation and Treasury,      including any amendments; |
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|   | (xv) | Stewardship      Financial Corporation has submitted to Treasury a complete and accurate      list of the SEOs and the twenty next most highly compensated employees for      the current fiscal year and the most recently completed fiscal year, with      the non-SEOs ranked in descending order of level of annual compensation,      and with name, title and employer of each SEO and most highly compensated      employee identified; and |
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|   | (xvi) | I      understand that a knowing and willful false or fraudulent statement made      in connection with this certification may be punished by fine,      imprisonment, or both. (See, for example, 18 USC  1001). |
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