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|   |       STEADFAST      IN MISSION As      we look back upon the events of 2009 there is one thing that remains      clear, Stewardship Financial Corporation and the Atlantic Stewardship Bank      continue steadfast in mission. As our organization forges ahead in this      unstable environment, we continue to be guided by the Christian principles      of the Bank’s founding fathers. Despite the current economic climate, we      remain steadfast in mission and true to our purpose, serving the financial      needs of the northern New Jersey community and giving back or tithing ten      percent of our earnings to Christian and local non-profit      organizations. OUR      MISSION The      Atlantic Stewardship Bank was established to serve the northern New Jersey      community’s financial needs and to give back, or tithe, one-tenth of our      earnings to the community. We      are a confident and progressive institution that meets business and      individual banking deposit and borrowing needs. We understand the value of      each and every customer and make it a priority to treat each customer      fairly and with respect. By investing prudently, we safeguard assets,      provide ample capital growth, and recognize our shareholders with a proper      return. As a responsible and accountable employer, we cultivate a caring,      professional environment where our associates can be productive and are      encouraged to grow. We      are an independent commercial bank that stands on solid Christian      principles, and the American banking regulations established by the Board      of Governors of the Federal Reserve System, the Federal Deposit Insurance      Corporation, and the State of New Jersey. We hold these fundamentals      paramount in every decision we make; for the good of our customers, our      shareholders, and our associates.   For      a long time now – to this very day – you havenot      deserted your brothers but have carried outthe      mission the LORD your God gave you.JOSHUA      22 :3 |
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|                                                                                                                          |   | 2009                                                  |    |   | 2008   |   |
|-------------------------------------------------------------------------------------------------------------------------------|--------|-------------------------------------------------------|---------|--------|--------|--------|
| For      The Year Ended December 31                                                                                           |   | (Dollars      in thousands, except per share amounts) |
| Net      income                                                                                                               |   | $                                                     | 3,634   |   |   | $      | 3,501 |   |
| Net      income available to common stockholders                                                                              |   |                                                  | 3,130   |   |   |   | 3,501 |   |
| Weighted      average number of common shares outstanding                                                                     |   |                                                  | 5,832   |   |   |   | 5,854 |   |
| Earnings      per common share                                                                                                |   |                                                  |    |   |   |   |   |   |
| Basic      earnings per common share                                                                                          |   |                                                  | 0.54    |   |   |   | 0.60 |   |
| Diluted      earnings per common share                                                                                        |   |                                                  | 0.54    |   |   |   | 0.60 |   |
| Cash      dividends declared                                                                                                  |   |                                                  | 0.36    |   |   |   | 0.34 |   |
| Book      value at year end                                                                                                   |   |                                                  | 7.50    |   |   |   | 7.31 |   |
|                                                                                                                          |   |                                                  |    |   |   |   |   |   |
| Balance      Sheet Data at December 31                                                                                        |   |                                                  |    |   |   |   |   |   |
| Total      assets                                                                                                             |   |                                                  | 663,844 |   |   |   | 611,816 |   |
| Total      gross loans                                                                                                        |   |                                                  | 460,476 |   |   |   | 439,656 |   |
| Allowance      for loan losses                                                                                                |   |                                                  | 6,920   |   |   |   | 5,166 |   |
| Total      deposits                                                                                                           |   |                                                  | 529,930 |   |   |   | 506,531 |   |
| Stockholders’      equity                                                                                               |   |                                                  | 53,511  |   |   |   | 42,796 |   |
|                                                                                                                          |   |                                                  |    |   |   |   |   |   |
| Consolidated      Ratios                                                                                                      |   |                                                  |    |   |   |   |   |   |
| Return      on average assets                                                                                                 |   |                                                  | 0.57    | %      |   |   | 0.58 | % |
| Return      on average equity                                                                                                 |   |                                                  | 5.92    | %      |   |   | 8.34 | % |
| Tier      1 capital to average assets (leverage)                                                                              |   |                                                  | 9.22    | %      |   |   | 8.01 | % |
| Tier      1 capital to risk-adjusted assets                                                                                   |   |                                                  | 11.99   | %      |   |   | 10.50 | % |
| Total      capital to risk-adjusted assets                                                                                    |   |                                                  | 13.24   | %      |   |   | 11.60 | % |
|                                                                                                                          |   |                                                  |    |   |   |   |   |   |
| All      share data has been restated to include the effects of 5% stock dividends      paid November 2008 and November 2009. |   |

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| Diane      Ingrassia, Hawthorne Branch Manager and Regional Branch      Manager,Sister      Marisa DeRose and Paul Van Ostenbridge, President and CEO of      ASB. |   |
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| William      C . Hanse, Esq., ChairmanPartner,      Hanse & Hanse Richard      W. CulpExecutive      Vice President, SalesPearson      Education Company Harold      DyerRetired Margo      LaneSales      and Marketing ManagerCollagen      Matrix, Inc. | Arie      LeegwaterRetired John      L. SteenPresident,      Steen Sales, Inc. Robert      J. Turner, SecretaryRetired William      J. Vander EemsPresident,      William Vander Eems, Inc. Paul      Van OstenbridgePresident      and Chief Executive OfficerStewardship      Financial Corporation andAtlantic      Stewardship Bank | Abe      Van WingerdenDirector,      Stewardship Financial CorporationPresident,      Abe Van Wingerden Co., Inc.T/A      Van Wingerden Farms Michael      A. Westra, CPA, Vice ChairmanPresident      and General Manager,Wayne      Tile Company Howard      R. Yeaton, CPAManaging      Principal,Financial      Consulting Strategies, LLC |
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| BergenJanyce      BandstraRichard      BarclayJohn      BelanusMark      BorstRichard      J. Brady, Esq.Andreas      Comodromos, CPAWilliam      CookPeter      V. DemarestRobert      Galorenzo,MDPaul      D. HeeremaBartel      LeegwaterPaul      RuitenbergJohn      ScoccolaRoger      SteigingaJames      D. Vaughan III, Esq.David      Visbeen  | Peggy      Heerema, the director of the Unity Christian Reformed Church      AfterschoolProgram,      Fred Everett, President of the Board of the After School      Program,William      Cook, ASB Business Development Board Member, Arie Leegwater,SFC      Director.  |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| MorrisAntonia      DaughtryDavid      De Vries, CPARobert      E. FazekasGregory      A. GoldenBrian      W. Hanse, Esq., CPAGarret      A. Hoogerhyde, CPAVernon      KuikenJeffrey      T. MassaroJoseph      Pellegrino                                                                                                                                     | Edward      RamirezBernadette      SolariAnita      Van Wingerden PassaicVince      BrosnanMary      ForshayShanti      Jost                                                                                                                                             | Ruth      KuderWayne      KuikenWilliam      A. Monaghan III, Esq.Mark      Reitsma, CFPClifford      Vander MaySusan      Vander PloegCharles      VerhoogRalph      Wiegers |

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| *      Africa Inland Mission*      American Christian School*      Back to God Ministries International*      Baptist Haiti Mission*      Bergen County Society*      Bethany Christian Services of      New Jersey*      Calvary Christian Academy*      Calvin College*      Calvin Theological Seminary*      Care-A-Lot Christian Nursery      School*      Cary Christian Center | *      Cathedral Choir*      Catholic Charities*      Christian Health Care Center*      Christian Reformed World      Relief Committee*      Christian Schools International*      CUMAC*      Dawn Treader Christian School*      Eastern Christian Children’s      Retreat*      Eastern Christian School      Association*      Elim Christian Services*      Eva’s Village | *      Faith Ministries o fWhite Lake, NY*      Father’s Cupboard*      Fellowship Homes*      Florence Christian Home*      Friendship Ministries*      Gideons International Lakeland      Camp*      Gideons International Passaic      Valley Camp*      Gideons International Ramapo      Camp*      Good Shepherd Mission*      Goshen Christian School*      Grace Counseling Ministries | *      Habitat for Humanity of      Bergen County*      Harvest Outreach Ministries*      Hawthorne Christian Academy*      Hawthorne Ecumenical Council – Crop      Walk*      Holland Christian Home*      Hope House*      International Networx*      King’s Kids Pre-School and Daycare*      Lancaster Bible College*      Lighthouse Pregnancy Resource      Center |
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| *      Little Sisters of The Poor & St.      Joseph’s Home for the Elderly *      Lord’s Day Alliance of NJ *      The Luke Society *      Madison Avenue Baptist      Academy *      Madison Avenue Crossroads Community         Ministries *      Mary Help of Christians Academy *      Mid Atlantic Ministries *      Mississippi Christian Family      Services *      Mt. Hope Camp *      Mustard Seed School *      Netherlands Reformed Christian      School *      New City Kids *      New Hope Community Ministries *      New Jersey Family Policy Council                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | *      Northeast Community Transformation *      North Jersey Home Schoolers Association *      Northside Community Christian Reformed      Church Day Camp *      Oasis –A Haven forWomen and      Children *      Operation Double Harvest – Haiti *      Paterson Habitat for Humanity *      Prison Fellowship Ministries *      Puritan Reformed Theological      Seminary *      Ridgewood YMCA *      Ringwood Christian School *      Ron Hutchcraft Ministries *      The Salvation Army – Paterson      Branch *      Siena Village at Wayne                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | *      Sonshine Christian Academy *      St. Anthony’s School *      St. Augustine Presbyterian Church–Multi      Service Center *      St. Elizabeth’s Inter      parochial School *      St. Joseph’s Regional Medical      Center *      St. Joseph’s Wayne Hospital *      St. Luke Community Development      Center *      St. Philip’s Camp Youth Development      Program & Coffee      Pot Ministry *      St. Pius X School *      Star of Hope Ministries *      Strategic Prayer Command *      Sussex Christian School *      Touch the World Ministries                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | *      Trinity Christian School *      United Paterson Development Corporation      –After School Literacy      & Safe Space Programs *      Unity Christian Reformed Church After      School Program *      Veritas Christian Academy *      Waldwick Seventh Day Adventist School *      Wayne Interfaith Network – Food      Pantry *      Westminster Theological Seminary *      World for Christ Crusade *      Wyckoff Christian Pre-School *      Wyckoff Family YMCA *      Wyckoff Reformed Church Food      Pantry * YWCA of      Bergen County                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
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|         Additionally,      the bank has provided support throughout 2009 to the following      organizations                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
|         Allendale/Waldwick      PBA Local #217         American Cancer Society         American Diabetes Association         American Heart Association         American Red Cross of      Northern New Jersey *      Bergen Catholic High School         Bergen County United Way –        Warm Homes Program         Bergen County Wildcats        Special Olympics Program         Bergen Highlands Rotary Club         Bergen Philharmonic Orchestra *Bethlehem      Lutheran Church        Upward Christian        Basketball League         Bonim Builders         Boys & Girls Club of Northwest NJ         The Buddy Walk of Bergen County         Calvin Coolidge School PTO         Camp Hope of Hackensack *      Cathedral of St. John the Baptist        Church Youth Group *      Catholic Family &        Community Services         Center for Alcohol & Drug        Resources         Center for Food Action         Changing Images Art Foundation         Childhood Cancer Society         Children’s Aid & Family Services |         Children’s Love Fund        of Midland Park         Chilton Memorial Hospital         Cody’s Foundation         Community Blood Services        Foundation         Community Hospice of Bergen        County         Community Meals *      Compassion International         Co-Operative Nursery School        of Ridgewood         Creative Living Counseling Center         Cyprus Children’s Fund         Cystic Fibrosis Foundation         DACKKs Group for        Supportive Housing         Deborah Hospital Foundation *      Dedication Evangelism *      Emergency Food Coalition        of Passaic County         Emmanuel Cancer Foundation *      Faith Foundation *      Fellowship of Christian Firefighters        Forum School         Foundation for Free Enterprise         Foundation for the Handicapped         Fraternal Order of Police Lodge #411         Friends of the Fair Lawn        Memorial Cemetery         Friends of the Hermitage |         Frost Valley YMCA         Gift of Life – Rotary Clubs        in District 7490         Girl Scouts of Northern New Jersey *      Goodwill Rescue Mission *      Grace United Methodist Church        Nursery School         Greater Paterson        Chamber of Commerce         Haledon Emergency Ambulance        Association         Hawthorne American Legion         Hawthorne Baseball/Softball        Association         Hawthorne Board of Health –        Food Pantry         Hawthorne Caballeros         Hawthorne Chamber of Commerce         Hawthorne Community Library        Foundation         Hawthorne Domestic Violence        Response Team         Hawthorne Fire Department         Hawthorne High School         Hawthorne High School Band        Parents Association         Hawthorne High School PTO         Hawthorne High School Share         Hawthorne Lions Club         Hawthorne – Louis Bay 2nd Library         Hawthorne PBA Local #200         Hawthorne Rotary Club |         Hawthorne Special Recreation         Hawthorne Thomas Jefferson        School PTO         Hawthorne VFW District #1         Hawthorne Volunteer        Ambulance Corps         Healing the Children Midlantic         Hispanic Multi-Purpose        Service Center         Ho-Ho-Kus Memorial Volunteer        Ambulance Corps         The Holmstead School *      Hope Ministry *      Immaculate Conception Church        Golf Outing *      Interchurch Softball League         Jamboree Scholarship Fund         Jerry Speziale Community        Outreach Foundation         Jewish Family Service        of North Jersey *      Knights of Columbus 5920 –        Msgr. Joseph Brestel Council *      Knights of Columbus 5257 –        St. Luke’s Council         Lakeland Regional High School        FBLA Chapter         Leukemia & Lymphoma Society         The Love Fund of Wyckoff         Marge and Debra Shortway        Foundation *      Martin Luther King, Jr. Day   |

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| *      Martin Luther King, Jr. Senior Center         Memorial Day Nursery *      Metro Kiddie Academy Christian        Pre-School & Daycare         Midland Park Ambulance Corps         Midland Park Baseball Association         Midland Park        Chamber of Commerce         Midland Park High School        Athletic Boosters         Midland Park Junior Football &        Cheerleading Association         Midland Park Lions Club         Midland Park Memorial Library         Midland Park PBA         Midland Park Public Education        Foundation         Midland Park Volunteer        Fire Department         Midland Park/Wyckoff VFW        Post #7086         Mohawk Athletic Club        of Hawthorne         Molly Foundation for        Juvenile Diabetes *      Moms In Touch International         Montville Baseball & Softball        Association         Montville Chamber of Commerce         Montville Fire Department         Montville Free Public Library         Montville Kiwanis Club         Montville – Lazar Middle School        Parent Teacher Council         Montville Township        Drug Awareness Council         Montville Township First Aid Squad         Montville Township        Fourth of July Committee         Montville Township High School        Parent Teacher Council         National Federation of the Blind         New Bridge Services         New Jersey Citizen Action        Education Fund         New Jersey Community        Development Corporation         New Jersey Good Sam Club         New Jersey State Fireman’s        Association of Paterson         New Jersey State Organization        of Cystic Fibrosis         North Haledon Borough         North Haledon PBA Local 292         North Haledon        Recreation Committee |         North Haledon UNICO         North Jersey Chorus *      North Jersey Home Schoolers        Association Choral Program         North Stars Association for        Competitive Gymnastics         The Order of the Lamp        Scholarship Fund         The Orpheus Club *      Our Lady of Consolation   Golf      Outing *      Our Lady of the Valley School *      Packanack Community Church        of Wayne Golf Outing         Pascack Valley        Chamber of Commerce         Pascack Valley Meals on Wheels         Passaic County Education        Association         Passaic County Historical Society         Pequannock Street Fair         Pequannock Township FirstAid &        Rescue Squad         Pequannock Township Food Pantry         Pequannock Township        Little League         Pequannock Township        Public Library         Pequannock Township –        Stephen J.Gerace Home &        School Association         Pequannock Township Volunteer        Fire Department Engine Co. #1         Pequannock Township Volunteer        Fire Department Engine Co. #2         Pequannock UNICO         Pompton Falls Volunteer        Fire Department #3 *      Power House Christian Church         Prospect Park Volunteer Fire        Department *      Rhema Project Rescue        Literacy Program         Ridgewood        Chamber of Commerce         Ridgewood Columbian Club         Ridgewood Conservatory –        First Night 2010         Ridgewood Dads’ Night –        Somerville-Hawes Schools         Ridgewood Education Foundation         Ridgewood Emergency Services        (FOREST)         Ridgewood High School        Association         Ridgewood High School Band        Association |         Ridgewood High School Football        Scholarship Committee         Ridgewood Lacrosse Association         Ridgewood PBA Local #20         Ridgewood Rotary Clubs         Ridgewood Woman’s Club *      Royal Family Kids Camp        Saddle River Day School         Sean Fisher Memorial        Scholarship Fund         Share (Share Housing Association        for Ridgewood and Environs)         Shomrei Torah –Wayne        Conservative Congregation         Sons of theAmerican Legion Post –        Pequannock *      St. Clements Episcopal Church        Ministry Programs *      St. Joseph Church        Outreach Programs *      St. Joseph’s Regional High School *      St. Joseph’s Wayne Hospital        Auxiliary *      St. Luke’s Church        Ministry Programs *      St. Nicholas Charity Golf Classic        Suburban Woman’s Club        of Pompton Plains         Taking Strides Against        Mental Illness         Temple Beth Tikvah Religious        School Resource Program         Temple Israel & Jewish        Community Center *      Time to Care Ministries         Torpedoes Soccer Club         Towaco Civic Association         Tri-County Chamber Of Commerce *      Turning Point         UJA Federation of NY         United by Autism *      United Methodist Church        Golf Outing         The USO         Valley Hospital         Waldwick Baseball Association         Waldwick Chamber of Commerce         Waldwick Community Alliance         Waldwick Fire Department         Waldwick High School         Waldwick – Julia A. Traphagen        School PSO         Waldwick Lions Club         Waldwick Middle School |         Waldwick &Midland Park        Junior Wrestling Team         Waldwick PBA         Waldwick Public Library         Waldwick Soccer Association         Waldwick VFW Post 1049         Waldwick Volunteer        Ambulance Corps         Wayne Adult Community Center         Wayne –Anthony Wayne        Middle School PTO         Wayne Boy Scout Troop #102         Wayne – Community Volunteer        Fire Company #1         Wayne Counseling and        Family Services         Wayne Day         Wayne Hills High School         Wayne Hills High School Band        Boosters         Wayne Lions Club         Wayne Little League         Wayne Police Athletic League         Wayne PBA Local 136         Wayne Public Library         Wayne – Schuyler Colfax        School PTO         Wayne Township Memorial        First Aid Squad         Wayne Township Parks and        Recreation Department         Wayne Valley High School PTO         West Bergen Mental Healthcare         Westwood Dragon Soccer Club        United Corp         Westwood Roller Hockey        Association         Westwood Softball Association         William Paterson University         Woodcliff Lake Baseball         Wyckoff Boy Scout Troup 89         Wyckoff Chamber of Commerce         Wyckoff – Dwight D. Eisenhower        Middle School         Wyckoff Fire Department         Wyckoff Fire Department        Company #1         Wyckoff -Midland Park Rotary Club         Wyckoff Public Library         Wyckoff Volunteer        Ambulance Corps         Youth Consultation Service *      Zion Lutheran School |
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| StewardshipFinancial      CorporationOfficers William      C. Hanse, Esq.Chairman      of the Board of Directors Michael      A. Westra, CPAVice      Chairman of the Board of Directors Paul      Van OstenbridgePresident      and Chief Executive Officer Robert      J. TurnerSecretary Claire      M. ChadwickSenior      Vice Presidentand      Chief Financial Officer John      W. Hain, Sr.Senior      Vice President andSenior      Commercial Loan Manager Julie      E. HollandSenior      Vice Presidentand      Chief Risk Officer Robert      C. VlietSenior      Vice President Angela      P. TuriVice      President Mary      Beth SteigingaAssistant      Secretary  AtlanticStewardship      BankOfficers Paul      Van OstenbridgePresident      and Chief Executive Officer   Michael      J. Wade, Captain, Montville Township Volunteer First Aid Squad and      Judi      Rothwell, Montville Branch Manager. | Claire      M. ChadwickSenior      Vice Presidentand      Chief Financial Officer John      W. Hain, Sr.Senior      Vice President andSenior      Commercial Loan Manager Julie      E. HollandSenior      Vice Presidentand      Chief Risk Officer Robert      C. VlietSenior      Vice President Jeanne      ChicheloVice      President Diane      IngrassiaVice      President Rene      MirandaVice      President Douglas      OlsenVice      President Cynthia      A. PerrottaVice      President Richard      D. PowersVice      President Raymond      J. SanthouseVice      President Gail      K. TilstraVice      President Angela      P. TuriVice      President David      J. Van LentenVice      President Alma      M. BaxterAssistant      Vice President Karen      BulleyAssistant      Vice President Janet      DeckerAssistant      Vice President Richard      DenselAssistant      Vice President John      S. KrantzAssistant      Vice President Nicholas      LatoraAssistant      Vice President   | Joseph      LomorielloAssistant      Vice President Thomas      A. MaselliAssistant      Vice President Karen      MullaneAssistant      Vice President Paul      J. PellegrineAssistant      Vice President Louise      RohnerAssistant      Vice President Clarence      ReinstraSecurity      Officer Yanet      Cordero deMartiAssistant      Secretary Richard      P. CuneoAssistant      Secretary Ellie      KingAssistant      Secretary Grace      LobbregtAssistant      Secretary Kristine      RasileAssistant      Secretary Judi      RothwellAssistant      Secretary Mary      Beth SteigingaAssistant      Secretary Tonni      von SchaumburgAssistant      Secretary Barbara      VincentAssistant      Secretary Peggy      WeberAssistant      Secretary John      LindemulderAdministrative      Assistant Jean      M. SchaverAdministrative      Assistant William      J. TussiAdministrative      Assistant Joan      Van HoutenAdministrative      Assistant Kenneth      C. WehingerAdministrative      Assistant |
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|  STEWARDSHIP      FINANCIAL CORPORATION                                                                                                                                                                                                                                                                  |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| CORPORATE      ATTORNEYS Stewardship      Financial CorporationMcCarter      & English, LLPAttorneys      at Law4      Gateway CenterNewark,      NJ 07102973-622-4444 Atlantic      Stewardship BankHanse      & Hanse2035      E. Hamburg TurnpikeSuite      EWayne,      NJ 07470973-831-8700 | STEWARDSHIPFINANCIAL      CORPORATION We      are proud to advise the followingbrokers      make a market in StewardshipFinancial      Corporation stock: Keefe,      Bruyette & Woods, Inc.787      Seventh Avenue, 4th FloorNew      York, NY 10019212-887-7777 Sandler,      O’Neill & Partners, L.P.919      Third Avenue, 6th FloorNew      York, NJ 10022800-635-6851 Stifel,      Nicolaus & Company, Inc.18      Columbia TurnpikeFlorham      Park, NJ 07932800-793-7226 | TRANSFER      AGENT REGISTRAR ANDDIVIDEND      REIMBURSEMENT AGENT To      report a change of name oraddress,      or a lost stock certificate ordividend      check, contact: Registrar      and Transfer Company10      Commerce DriveCranford,      NJ 07016800-368-5948www.rtco.com Shareholder      RelationsStewardship      Financial CorporationCorporate      Division201-444-7100www.asbnow.com |
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| HEADQUARTERS      – MIDLAND PARK630      Godwin Avenue Raymond      J. SanthouseBranch      Manager, Vice President&      Regional Manager Karen      MullaneAssistant      Branch Manager&      Assistant Vice President HAWTHORNE386      Lafayette Avenue&      1111 Goffe Road Diane      IngrassiaBranch      Manager, Vice President&      Regional Manager Grace      LobbregtAssistant      Branch Manager&      Assistant Secretary MONTVILLE2      Changebridge Road Judi      RothwellBranch      Manager&      Assistant Secretary NORTH      HALEDON33      Sicomac Road Thomas      A. MaselliBranch      Manager&      Assistant Vice President Linda      MartinBranch      Operations Manager | PEQUANNOCK249      Newark-Pompton Turnpike Louise      RohnerBranch      Manager&      Assistant Vice President Kristine      RasileAssistant      Branch Manager&      Assistant Secretary RIDGEWOOD190      Franklin Avenue Paul      J. PellegrineBranch      Manager&      Assistant Vice President Catherine      GrinkinAssistant      Branch Manager WALDWICK64      Franklin Turnpike Richard      DenselBranch      Manager&      Assistant Vice President Michelle      AlbertAssistant      Branch Manager WAYNE400      Hamburg Turnpike Douglas      OlsenBranch      Manager, Vice President&      Regional Manager Janet      GarippaAssistant      Branch Manager | WAYNE      HILLS87      Berdan Avenue John      LindemulderBranch      Manager&      Administrative Assistant WAYNE      VALLEY311      Valley Road Richard      P. CuneoBranch      Manager&      Assistant Secretary WESTWOOD200      Kinderkamack Road Barbara      VincentBranch      Manager&      Assistant Secretary WYCKOFF378      Franklin Avenue Thomas      A.MaselliBranch      Manager&      Assistant Vice President Joan      Van HoutenAssistant      Branch Manager&      Administrative Assistant |
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