----

| O      N S O L I D R O C K | | |  2 0 0 8      A N N U A L R E P O R T |
|----------------------------|---|--------------------------------------------|

----

|                                             |   | 2008                                                  |    |   | 2007   |   |
|--------------------------------------------------|--------|-------------------------------------------------------|---------|--------|--------|--------|
|                                             |   |                                                  |    |   |   |   |
| FOR      THE YEAR ENDED DECEMBER 31              |   | (Dollars      in thousands, except per share amounts) |    |
| Net      income                                  |   | $                                                     | 3,501   |   |   | $      | 4,607 |   |
| Average      shares outstanding                  |   |                                                  | 5,575   |   |   |   | 5,558 |   |
| Per      common share                            |   |                                                  |    |   |   |   |   |   |
| Basic      net income                            |   |                                                  | 0.63    |   |   |   | 0.83 |   |
| Diluted      net income                          |   |                                                  | 0.63    |   |   |   | 0.82 |   |
| Cash      dividends declared                     |   |                                                  | 0.35    |   |   |   | 0.33 |   |
| Book      value at year end                      |   |                                                  | 7.68    |   |   |   | 7.37 |   |
|                                             |   |                                                  |    |   |   |
| BALANCE      SHEET DATA AT DECEMBER 31           |   |                                                  |    |   |   |
| Total      assets                                |   |                                                  | 611,816 |   |   |   | 571,905 |   |
| Total      gross loans                           |   |                                                  | 439,269 |   |   |   | 420,147 |   |
| Allowance      for loan losses                   |   |                                                  | 5,166   |   |   |   | 4,457 |   |
| Total      deposits                              |   |                                                  | 506,531 |   |   |   | 472,299 |   |
| Stockholders’      equity                  |   |                                                  | 42,796  |   |   |   | 41,090 |   |
|                                             |   |                                                  |    |   |   |   |   |   |
| CONSOLIDATED      RATIOS                         |   |                                                  |    |   |   |   |   |   |
| Return      on average assets                    |   |                                                  | 0.58    | %      |   |   | 0.86 | % |
| Return      on average equity                    |   |                                                  | 8.34    | %      |   |   | 11.76 | % |
| Tier      1 capital to average assets (leverage) |   |                                                  | 8.01    | %      |   |   | 8.56 | % |
| Tier      1 capital to risk-adjusted assets      |   |                                                  | 10.50   | %      |   |   | 10.76 | % |
| Total      capital to risk-adjusted assets       |   |                                                  | 11.60   | %      |   |   | 11.77 | % |

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Pictured from left to right      are: Charles Vitz, North Haledon Fire Co.,No.2;Thomas Maselli, ASB North      Haledon Branch Manager; Abe Van Wingerden, Vice Chairman ASB Board of      Directors; Randy George, Mayor of North Haledon; William C. Hanse,      Chairman of the ASB Board of Directors; Bruce Iacobelli, North Haledon      Town Council Member; Linda Martin, ASB North Haledon Assistant Branch      Manager; Mickey Zimmer, North Haledon Fire Co.,No.1. Second row: Robert      Dyer, President of the North Haledon Town Council and Paul Van      Ostenbridge, President and CEO of Atlantic Stewardship Bank.  |

----

| O      N S O L I D R O C K | | |  2 0 0 8      A N N U A L R E P O R T |
|----------------------------|---|--------------------------------------------|

----

|                                                                                                                    |
|-------------------------------------------------------------------------------------------------------------------------|
| Atlantic      Stewardship Bank Associates Volunteer at the Paterson Habitat for Humanity      2008 Corporate Challenge. |

----

| O      N S O L I D R O C K | | |  2 0 0 8      A N N U A L R E P O R T |
|----------------------------|---|--------------------------------------------|

|                                                                                                                                                                                             |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Pictured      from left to right: Arie Leegwater, ASB Board of Directors; Reverend      Trevor Rubingh, Executive Director, New City Kids Church; Abe Van      Wingerden, ASB Board ofDirectors. |

----

| O      N S O L I D R O C K | | |  2 0 0 8      A N N U A L R E P O R T |
|----------------------------|---|--------------------------------------------|

----

| William      C. Hanse, Esq., Chairman |   | John      L. Steen                                                  |   | Abe Van Wingerden, Vice      Chairman            |
|---------------------------------------|--------|---------------------------------------------------------------------|--------|-----------------------------------------------------------------|
| Partner, Hanse      & Hanse  |   | President, Steen      Sales, Inc.                              |   | President, Abe Van Wingerden      Co., Inc. |
|                                  |   | President, Dutch Valley Throwing      Co., Inc. |   | T/A Van Wingerden      Farms                          |
| Harold      Dyer                      |   |                                                                |   |                                                            |
| Retired                               |   | Robert      J. Turner, Secretary                               |   | Michael A. Westra,      CPA                           |
|                                  |   | Retired                                                             |   | General      Manager, Wayne Tile Company              |
| Margo      Lane                       |   |                                                                |   |                                                            |
| Sales      and Marketing Manager      |   | William      J. Vander Eems                                    |   | Howard      R. Yeaton, CPA                                 |
| Collagen      Matrix ,Inc.       |   | President, William Vander      Eems, Inc.                 |   | Managing      Principal,                                        |
|                                  |   |                                                                |   | Financial      Consulting Strategies, LLC                       |
| Arie      Leegwater                   |   | Paul Van      Ostenbridge                                      |   |                                                            |
| Retired                               |   | President      and Chief Executive Officer                          |   |                                                            |
|                                  |   | Stewardship      Financial Corporation and                          |   |                                                            |
|                                  |   | Atlantic      Stewardship Bank                                      |   |                                                            |

----

| BERGEN                          |   | MORRIS                             |
|---------------------------------|--------|------------------------------------|
| Janyce      Bandstra            |   | Antonia      Daughtry              |
| Richard      Barclay            |   | David      DeVries, CPA            |
| Mark      Borst                 |   | Robert      E. Fazekas             |
| Richard      J. Brady, Esq.     |   | Gregory      A. Golden             |
| Andreas      Comodromos, CPA    |   | Brian      W. Hanse, Esq., CPA     |
| William      Cook               |   | Garret      A. Hoogerhyde, CPA     |
| Robert      Galorenzo, MD       |   | Vernon      Kuiken                 |
| Paul      D. Heerema            |   | Jeffrey      T. Massaro            |
| Bartel      Leegwater           |   | Edward      Ramirez                |
| Paul      Ruitenberg            |   | Anita      Van Wingerden           |
| John      Scoccola              |   |                               |
| Roger      Steiginga            |   | PASSAIC                            |
| Allen      Stiles               |   | Vince      Brosnan                 |
| James      D. Vaughan III, Esq. |   | Ernest      P. De Marco, CPA       |
| David      Visbeen              |   | Shanti      Jost                   |
|                            |   | Ruth      Kuder                    |
|                            |   | Wayne      Kuiken                  |
|                            |   | William      A. Monaghan III, Esq. |
|                            |   | Mark      Reitsma, CFP             |
|                            |   | Darryl      Siss, Esq.             |
|                            |   | Steve      Van Der Stad            |
|                            |   | Clifford      Vander May           |
|                            |   | Susan      Vander Ploeg            |
|                            |   | Charles      Verhoog               |
|                            |   | Ralph      Wiegers                 |

|                                                                                                                                                                                                                                                                                                                                 |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Pictured      from left to right: Peggy Weber, ASB Credit Card Services Manager; Kathija      Mohammed, Teller ASB Montville Branch; Judi Rothwell, ASB Montville Branch      Manager; Morris Business Development Board Member and Food Drive recipient      Pastor Ed Ramirez; and Colleen Turi, Teller ASB Montville      Branch. |

----

| O      N S O L I D R O C K | | |  2 0 0 8      A N N U A L R E P O R T |
|----------------------------|---|--------------------------------------------|

----

| Each      one should use whatever gift he has received to serve others, faithfully      administering God’s grace in its various forms. |
|-----------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                          |
| 1      PETER 4: 10                                                                                                                            |

|                                                                                                                                                                                                                                                                                    |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Pictured      from left to right:TimothyTileston,Hawthorne Christian Academy Director of      Advancement;Donald Klingen,Hawthorne Christian Academy Head      Principal;Margo Lane,ASB Board of Directors;and PaulVan Ostenbridge,      President and CEO of Atlantic StewardshipBank. |

----

| *Africa      Inland Mission                                  | *Cathedral      Choir                      | *Faith      Ministries of White Lake, NY | *Grace      Counseling Ministries              |
|--------------------------------------------------------------|--------------------------------------------|------------------------------------------|------------------------------------------------|
| *American      Christian School                              | *Catholic      Charities                   | *Father’s      Cupboard            | *Habitat      for Humanity                     |
| *Back      to God Ministries                                 | *Christian      Health Care Center         | *Fellowship      Homes                   | of      Bergen County                          |
| International                                                | *Christian      Reformed                   | *Florence      Christian Home            | *Harvest      Outreach Ministries              |
| *Baptist      Haiti Mission                                  | World      Relief Committee                | *Friendship      Ministries              | *Hawthorne      Christian Academy         |
| *Bergen      County Society                                  | *Christian      Schools International      | *Gideons      International              | *Hawthorne      Ecumenical Council –     |
| *Bethany      Christian Services                             | *CUMAC                                     | Lakeland      Camp                       | Crop Walk                                 |
| of      New Jersey                                           | *Dawn Treader      Christian School   | *Gideons      International              | *Holland      Christian Home                   |
| *Blessed      Sacrament School                               | *Don      Bosco Prep High School           | Passaic Valley      Camp            | *International      Networx                    |
| *Calvary      Christian Academy                         | *Eastern      Christian                    | *Gideons      International              | *King’s      Kids Pre-School and Daycare |
| *Calvin      College                                         | Children’s      Retreat              | Paterson      Camp                       | *Life      Givers Network                      |
| *Calvin Theological      Seminary *Care-A-Lot Christian | *Eastern      Christian School Association | *Gideons      International Ramapo Camp  | *Lighthouse      Pregnancy Resource Center     |
| Nursery      School                                          | *Elim      Christian Services              | *Good      Shepherd Mission              | *Little      Sisters of The Poor &         |
| *Cary      Christian Center                                  | *Eva’s Village                  | *Goshen      Christian School            | St.      Joseph’s Home for the Elderly   |

----

| O      N S O L I D R O C K | | |  2 0 0 8      A N N U A L R E P O R T |
|----------------------------|---|--------------------------------------------|

| *Lord’s      Day Alliance of NJ                | *North      Jersey Home Schoolers Association                        | *St.      Anthony’s School                                                       | *United      Paterson Development Corporation –After School Literacy & Safe Space      Programs |
|-----------------------------------------------------------|----------------------------------------------------------------------|----------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------|
| *The      Luke Society                                    | *Northside      Community Christian Reformed Church – Day Camp | *St.      Augustine Presbyterian Church – Multi Service Center                   | *Unity      Christian Reformed Church After School Program                                                |
| *Madison Avenue      Baptist Academy            | *Oasis      –A Haven for Women and Children                    | *St.      Elizabeth’s Interparochial School                                      | *Veritas      Christian Academy                                                                           |
| *Madison Avenue      Crossroads Community Ministries | *Operation      Double Harvest – Haiti                         | *St.      Joseph’s Regional Medical Center                                       | *Waldwick      Seventh Day Adventist School                                                               |
| *Mary      Help of Christians Academy                | *Paterson      Habitat For Humanity                                  | *St.      Joseph’s Wayne Hospital                                                | *Wayne      Interfaith Network                                                                            |
| *Mid Atlantic      Ministries                        | *Prison      Fellowship Ministries                                   | *St.      Luke Community Development Center                                            | *Western      Theological Seminary                                                                        |
| *Mississippi      Christian Family Services               | *Puritan      Reformed Theological Seminary                          | *St.      Philip’s Camp Youth Development Program & Coffee Pot      Ministry | *Westminster      Theological Seminary                                                                    |
| *Mt.      Hope Camp                                       | *Ridgewood      YMCA                                                 | *St.      Pius X School                                                                | *World      For Christ Crusade                                                                            |
| *Mustard      Seed School                                 | *Ringwood      Christian School                                      | *Star      of Hope Ministries                                                          | *Wyckoff      Christian Pre-School                                                                        |
| *Netherlands      Reformed Christian School               | *Ron      Hutchcraft Ministries                                      | *Strategic      Prayer Command                                                         | *Wyckoff      Family YMCA                                                                                 |
| *New      City Kids                                       | *The      Salvation Army – Paterson Branch                     | *Sussex      Christian School                                                          | *Wyckoff      Reformed Church Food Pantry                                                                 |
| *New      Hope Community Ministries                       | *Siena      Village at Wayne                                    | *Touch      The World Ministries                                                       | *YWCA      of Bergen County                                                                               |
| *New      Jersey Family Policy Council                    | *Sonshine      Christian Academy                                     | *Trinity      Christian School                                                         |                                                                                                      |
| *Northeast      Community Transformation                  |                                                                 |                                                                                   |                                                                                                      |

| Accessible      Racing                                                             | College      Club of Ridgewood                                          | Frost Valley YMCA                                  | Hawthorne      PBA Local #200                                      |
|------------------------------------------------------------------------------------|-------------------------------------------------------------------------|--------------------------------------------------------------|--------------------------------------------------------------------|
| Allendale/Waldwick      PBA Local #217                                             | Community      Blood Services Foundation                                | Gift      of Life – Rotary Clubs in District 7490      | Hawthorne      Regular Republican Organization                     |
| American      Red Cross Disaster Relief Fund                                       | Community      Hospice of Bergen County                                 | Girl      Scout Council of Northern New Jersey               | Hawthorne      Rotary Club                                         |
| American      Red Cross of Northern New Jersey                                     | *Compassion      International                                          | Glen      Rock Central Business District Commission          | Hawthorne      Soccer Association                             |
| Bergen      County United Way – Warm & Cold Homes Program           | Co-Operative      Nursery School of Ridgewood                           | *Goodwill      Rescue Mission                                | Hawthorne VFW      District #1                                |
| Bergen      County Wildcats Special Olympics Program                          | *Covenant      Christian Reformed Church – GEMS’ Girls Club | *Grace      United Methodist Church Nursery School           | Hawthorne Volunteer      Ambulance Corps                      |
| Bergen      Philharmonic Orchestra                                                 | Creative      Living Counseling Center                                  | Greater      New York Home Furnishings Association | Healing      the Children Midlantic                                |
| Berkeley      College Scholarship Fund                                             | Cyprus      Children’s Fund                                       | Haledon      Borough – Centennial Celebration          | HoHoKus      Memorial Volunteer Ambulance Corps               |
| *Bethlehem      Lutheran Church                                                    | DACKKs      Group for Supportive Housing                                | Haledon      Emergency Ambulance Association            | *Hope      Ministries                                              |
| Upward      Christian Basketball League Boys & Girls Club of Northwest      NJ | Deborah      Hospital Foundation                                        | Hawthorne      Baseball/ Softball Association           | *Interchurch      Softball League                                  |
| Boys      & Girls Club of Paterson & Passaic                               | *Dedication      Evangelism                                             | Hawthorne      Board of Health -Food Pantry                  | Jamboree      Scholarship Fund                                     |
| Camp      Hope of Hackensack                                                       | *Department      for Persons with Disabilities C.A.R.E.                 | Hawthorne      Caballeros                                    | Jerry      Speziale Community Outreach Foundation                  |
| *Campus      Crusade for Christ                                                    | *Emergency      Food Coalition of Passaic County                        | Hawthorne      Chamber of Commerce                           | Jewish      Family & Children’s Service of Wayne         |
| *Cathedral      of St. John the Baptist Church Youth Group               | *Emmanuel      Baptist Church – Women of Emmanuel                 | Hawthorne      Community Library Foundation                  | Leukemia      & Lymphoma Society                               |
| *Catholic      Family & Community Services                                     | Eva      and Bruce Gallagher Fund                                       | Hawthorne      Cubs Football Association                | The      Love Fund of Wyckoff                                      |
| Center      for Alcohol & Drug Resources                                  | *Fellowship      of Christian Firefighters                              | Hawthorne      Domestic Violence Response Team     | Mahwah      – George Washington School                  |
| Center      for Food Action                                                   | Forum      School                                                       | Hawthorne      Fire Department                               | Mahwah      High School Class of 2008                              |
| Children’s Aid      & Family Services                               | Foundation      For Free Enterprise                                     | Hawthorne      High School                                   | Mahwah Youth      Sports Boosters                             |
| The      Children’s Love Fund of Midland Park                                | Foundation      for the Handicapped                                     | Hawthorne      High School Band Parents Association     | Make-A-Wish      Foundation                                        |
| Chilton      Memorial Hospital                                                     | Friends      of the Hermitage                                           | Hawthorne      Knights of Columbus                           | Marge      and Debra Shortway Foundation                           |
| *Christian      Overcomers                                                         | Friends      of the Louis Bay 2nd Library                               |                                                         | *Martin      Luther King, Jr.                                      |
|                                                                               | Friends      of the Midland Park Library                                |                                                         | *Mattaniah      Choir                                              |
|                                                                               |                                                                    |                                                         | Memorial      Day Nursery                                          |
|                                                                               |                                                                    |                                                         | *Metro      Kiddie Academy Christian Pre-School & Daycare |
|                                                                               |                                                                    |                                                         | Day      Midland Park Ambulance Corps                         |

----

| O      N S O L I D R O C K | | |  2 0 0 8      A N N U A L R E P O R T |
|----------------------------|---|--------------------------------------------|

| Midland      Park Baseball Association                     | North      Haledon Fire Company #2                                | Ridgewood      High School Football Scholarship Committee                    | Waldwick      Public Library                            |
|------------------------------------------------------------|-------------------------------------------------------------------|------------------------------------------------------------------------------|---------------------------------------------------------|
| Midland      Park Boy Scout Troop 157                      | North      Haledon Recreation Committee                           | Ridgewood      Lacrosse Association                                          | Waldwick      Recreation Trust Fund                     |
| Midland      Park Chamber of Commerce                      | North      Jersey Chorus                                          | Ridgewood      PBA Local #20                                                 | Waldwick      Soccer Association                        |
| Midland      Park High School                              | *North      Porch Women & Infants Center                      | Ridgewood      Public Library Foundation                                     | Waldwick      VFW Post 1049                             |
| Midland      Park High School Athletic Boosters            | North      Stars Association for Competitive Gymnastics           | Ridgewood      Rotary Clubs                                                  | Waldwick      Volunteer Ambulance Corps                 |
| Midland      Park Lions Club                               | Oakland      –Valley Middle School                          | *Ridgewood      United Methodist Church Child Appreciation Day               | Wayne      Adult Community Center                       |
| Midland      Park PBA                                      | Operation      Smile                                              | Ridgewood      Veterinary Hospital – Benefit for Local Animal Shelters | Wayne      – Community Volunteer Fire Company #1  |
| Midland      Park Public Education Foundation              | Opportunity      Knocks                                           | *Royal      Family Kids Camp                                                 | Wayne      Counseling and Family Services               |
| Midland      Park Softball Association                     | The      Order of the Lamp Scholarship Fund                       | Ruth      Estrin Goldberg Memorial                                           | Wayne      Day                                          |
| Midland      Park Volunteer Fire Company                   | *Our      Lady of the Valley School                               | *St.      Gerard’s Church 35thAnniversary                              | Wayne      Hills High School                            |
| Mike      Geltrude Foundation                              | Pancreatic      Cancer Action Network                             | *St.      Joseph Church Outreach Programs                                    | Wayne      Hills High School Band Boosters              |
| Mohawk      Athletic Club of Hawthorne                     | Paramus      Association for Competitive Gymnastics               | *St.      Peter’s Prepatory School                                     | Wayne      Lions Club                                   |
| Molly      Foundation for Juvenile Diabetes                | Pascack      Valley Chamber of Commerce                           | Share      Housing Association for Ridgewood and Environs                    | Wayne      Little League – NJ District 2          |
| *Moms      In Touch International                          | Passaic      County Bar Association                               | (SHARE)                                                                      | Wayne      Police Athletic League                       |
| Montville      Baseball & Softball Association         | Passaic      County Historical Society                            | Shomrei      Torah – Wayne Conservative Congregation                   | Wayne      Public Library                               |
| Montville      Chamber of Commerce                         | Pequannock      Street Fair                                       | Social      Service Association of Ridgewood &Vicinity                   | Wayne      Rotary Club                                  |
| Montville      Fire Department                             | Pequannock      Township Food Pantry                              | Sons      of the American Legion Post – Pequannock                     | Wayne      Township Memorial First Aid Squad            |
| Montville      Free Public Library                         | Pequannock      Township Little League                            | The      Strength and Honor Fund                                             | Wayne      Township Parks and Recreation Department     |
| Montville      Kiwanis Club                                | Pequannock      Township Public Library                           | Suburban      Woman’s Club of Pompton Plains                           | Wayne      VFW Post #1931                               |
| Montville      – Lazar Middle School PTO             | Pequannock      Township Volunteer Fire Department Engine Co.#1   | Summit      Speech School                                                    | West      Bergen Mental Healthcare                      |
| Montville      Township Drug Awareness Council             | Pequannock      UNICO                                             | Temple      Israel & Jewish Community Center                             | Westwood      Baseball Association                      |
| Montville      Township Fourth of July Committee           | Pompton      Falls Volunteer Fire Department #3                   | *Time      to Care Ministries                                                | Westwood      Cares                                     |
| Montville      Township High School                        | Pony      Power Therapies                                         | Torpedoes      Soccer Club                                                   | Westwood      Dragon Soccer Club United Corp            |
| Montville      Township High School Ice Hockey             | Promise      Community Development Corporation                    | Towaco      Civic Association                                                | Westwood      Roller Hockey Association                 |
| Montville      Township High School Parent Teacher Council | Prospect      Park Volunteer Fire Department                      | Tri-County      Chamber of Commerce –Wayne                             | Westwood      Softball Association                      |
| Montville      Township High School STAGE                  | Ramapo-Bergen      Animal Refuge                                  | *Turning      Point                                                          | William      Paterson University                        |
| Montville      Township Library Endowment Fund             | Ramapo      High School                                           | United      by Autism                                                        | Wyckoff      Boy Scout Troup 89                         |
| National      Federation of the Blind                      | *Rhema      Project Rescue Literacy Program                       | The      USO                                                                 | Wyckoff      Chamber of Commerce                        |
| New      Bridge Services                                   | Ridgewood      Baseball & Softball Association                | Valley      Hospital                                                         | Wyckoff      – Dwight D. Eisenhower Middle School |
| New      Jersey Citizen Action Education Fund              | Ridgewood      Biddy Basketball                                   | The      Village School                                                      | Wyckoff      Education Foundation                       |
| New      Jersey Community Development Corporation          | Ridgewood      Columbian Club                                     | Waldwick      Baseball Association                                           | Wyckoff      Fire Department                            |
| New      Jersey Good Sam Club                              | Ridgewood      Dads’ Night – Somerville-Hawes Schools | Waldwick      Boy Scout Troop 88                                             | Wyckoff      Fire Department Company #1                 |
| New      Jersey State Organization of Cystic Fibrosis      | Ridgewood      Downtown for The Holidays                          | Waldwick      Chamber of Commerce                                            | Wyckoff-Midland      Park Rotary Club                   |
| North      Haledon Chapter of UNICO National               | Ridgewood      Emergency Services (FOREST)                        | Waldwick      – Crescent School Parent School Association              | Wyckoff      Volunteer Ambulance Corps                  |
| North      Haledon Fire Company #1                         | Ridgewood      Fourth of July Committee                           | Waldwick      Education Foundation                                           | Wyckoff      Woman’s Club                         |
|                                                       | Ridgewood      High School Band Association                       | Waldwick      Fire Department                                                | YM-YWHA      of North Jersey                            |
|                                                       |                                                              | Waldwick      High School & Middle School                                | *Zion      Lutheran School                              |
|                                                       |                                                              | Waldwick      Knights of Columbus #5257                                      |                                                    |
|                                                       |                                                              | Waldwick      Lions Club                                                     |                                                    |
|                                                       |                                                              | Waldwick      Police Department                                              | *Denotes      Christian Charity                         |

----

| O      N S O L I D R O C K | | |  2 0 0 8      A N N U A L R E P O R T |
|----------------------------|---|--------------------------------------------|

----

| STEWARDSHIP                                  |                               |                          |
|----------------------------------------------|------------------------------------|-------------------------------|
| FINANCIAL      CORPORATION                   |                               |                          |
| OFFICERS                                     |                               |                          |
|                                         |                               |                          |
| William C. Hanse,      Esq.        | Richard      D. Powers             | Brian      Carmen             |
| Chairman      of the Board of Directors      | Vice      President                | Security      Officer         |
|                                         |                               |                          |
| Abe Van Wingerden                  | Raymond      J. Santhouse          | Yanet      Cordero deMarti    |
| Vice      Chairman of the Board of Directors | Vice      President                | Assistant      Secretary      |
|                                         |                               |                          |
| Paul Van Ostenbridge               | Gail      K. Tilstra          | Richard      P. Cuneo    |
| President      and Chief Executive Officer   | Vice      President                | Assistant      Secretary      |
|                                         |                               |                          |
| Robert      J. Turner                   | Angela      P. Turi           | Ellie      King               |
| Secretary                                    | Vice      President                | Assistant      Secretary      |
|                                         |                               |                          |
| Claire M. Chadwick                 | David      J. Van Lenten      | Grace      Lobbregt           |
| Senior Vice      President              | Vice      President                | Assistant      Secretary      |
| and      Chief Financial Officer             |                               |                          |
|                                         | Alma M.      Baxter           | Kristine      Rasile          |
| Julie      E. Holland                   | Assistant Vice      President | Assistant      Secretary      |
| Senior Vice      President              |                               |                          |
| and      Chief Risk Officer                  | Karen      Bulley                  | Judi      Rothwell            |
|                                         | Assistant Vice      President | Assistant      Secretary      |
| Robert      C.Vliet                          |                               |                          |
| Senio rVice      President              | Janet      Decker                  | Mary      Beth Steiginga      |
|                                         | AssistantVice      President       | Assistant      Secretary      |
| Angela      P.Turi                           |                               |                          |
| Vice      President                          | Richard      Densel                | Barbara      S. Vincent  |
|                                         | Assistant Vice      President | Assistant      Secretary      |
| Mary      Beth Steiginga                     |                               |                          |
| Assistant      Secretary                     | John      S.Krantz                 | Tonni      von Schaumburg     |
|                                         | Assistant Vice      President | Assistant      Secretary      |
| ATLANTIC                                     |                               |                          |
| STEWARDSHIP      BANK                        | Nicholas      Latora               | Peggy Weber              |
| OFFICERS                                     | Assistant Vice      President | Assistant      Secretary      |
|                                         |                               |                          |
| Pau lVan Ostenbridge               | Thomas A. Maselli        | John      Lindemulder         |
| President      and Chief Executive Officer   | Assistant Vice      President | Administrative      Assistant |
|                                         |                               |                          |
| Claire M. Chadwick                 | Karen Mullane                 | Jean M.      Schaver     |
| Senior Vice      President              | Assistant Vice      President | Administrative      Assistant |
| and      Chief Financial Officer             |                               |                          |
|                                         | James O’Brien           | William J. Tussi    |
| Julie      E. Holland                   | Assistant Vice      President | Administrative      Assistant |
| Senior Vice      President              |                               |                          |
| and      Chief Risk Officer                  | Paul      J. Pellegrine            | Joan Van      Houten     |
|                                         | Assistant Vice      President | Administrative      Assistant |
| Robert      C. Vliet                    |                               |                          |
| Senior Vice      President              | Louise      Rohner                 | Kenneth      C. Wehinger |
|                                         | Assistant Vice      President | Administrative      Assistant |
| Jeanne      Chichelo                         |                               |                          |
| Vice      President                          |                               |                          |
|                                         |                               |                          |
| Diane      Ingrassia                         |                               |                          |
| Vice      President                          |                               |                          |
|                                         |                               |                          |
| M.      Bernard Joustra                      |                               |                          |
| Vice      President                          |                               |                          |
|                                         |                               |                          |
| Rene Miranda                            |                               |                          |
| Vice      President                          |                               |                          |
|                                         |                               |                          |
| Douglas Olsen                           |                               |                          |
| Vice      President                          |                               |                          |
|                                         |                               |                          |
| Cynthia A.      Perrotta                |                               |                          |
| Vice      President                          |                               |                          |

|                                                                                                                                                                                                                                       |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Pictured      from left to right:MonicaWolfe and Gordon Stanley of The Lighthouse      Pregnancy Resource Center,Diane Ingrassia,ASBVice President and Regional      Branch Manager; and PaulVan Ostenbridge,ASB President &      CEO. |

----