Page 4 THE VILLADOM TIMES III • February 11, 2009 Business Stewardship Financial to participate in TARP Stewardship Financial Corporation, parent of Atlantic Stewardship Bank, has announced that it has received $10 million as part of the U.S. Treasury Department’s Troubled Asset Relief Program: Capital Purchase Program for “healthy institutions.” Stewardship issued 10,000 Senior Preferred shares and 127,119 warrants to purchase common stock to the U.S. Treasury. President and Chief Executive Officer Paul Van Ostenbridge commented, “We are pleased to be selected for participation in this program, which is designed to provide additional capital to healthy, well managed financial institutions. We view the terms of the Capital Purchase Program to be an attractive low-cost alternative to other capital sources in today’s market and an excellent opportunity to support the recovery of the U.S. economy. Stewardship intends to utilize this additional capital to better serve the lending needs of consumers and businesses in our market.” Stewardship’s senior preferred shares will pay a cumulative dividend of 5% per annum for the first five years and 9% per annum thereafter. The shares are callable by Stewardship at par after three years and may be replaced, at any time, if Stewardship were to choose to repurchase them with newly raised equity capital. Associated with the purchase of Stewardship’s senior preferred shares, the Treasury received warrants to purchase 127,119 in Stewardship common shares at an exercise price of $11.80 per share. Van Ostenbridge stated, “This investment will further strengthen Stewardship’s already solid capital position.” At Sept. 30, 2008, Stewardship’s capital ratios were all above the level required to be categorized as “well capitalized.” Stewardship’s leverage capital, Tier I risk-based capital and total risk-based capital were 8.02%, 10.47% and 11.72%, respectively, at Sept. 30, 2008. Stewardship Financial Corporation’s subsidiary, the Atlantic Stewardship Bank, has 13 banking offices in Midland Park, Hawthorne, Montville, North Haledon, Pequannock, Ridgewood, Waldwick, Wayne, Westwood, and Wyckoff. The bank is known for tithing 10% of its pre-tax profits to Christian and local charities. Visit www.asbnow. com for additional information. The information disclosed in this document contains certain “forward looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, and may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “plan,” “estimate,” and “potential.” Examples of forward looking statements include, but are not limited to, estimates with respect to the financial condition, results of operations and business of the Corporation that are subject to various factors which could cause actual results to differ materially from these estimates. These factors include: changes in general, economic and market conditions, legislative and regulatory conditions, ability to satisfy the conditions to participation in the CPP or the development of an interest rate environment that adversely affects the Corporation’s interest rate spread or other income anticipated from operations and investments. Helpful Hints Helpful Hints from Peter Says... ome ComForcare Home Care comes to area In response to the community’s overwhelming need for home care services, and a universal desire of aging and disabled individuals to remain in the comfort of their own homes, ComForcare Senior Services Home Care recently opened its newest franchise in Upper Saddle River. The ComForcare provides in-home assistance with daily activities of living for seniors and disabled individuals of all ages throughout Bergen, Hudson, and Passaic counties and surrounding areas. Services include assistance with meal preparation, medication reminders, Alzheimer’s care, bathing and personal care, light housekeeping, and much more. Services are available 24 hours a day, 365 days a year from fully bonded and insured caregivers. To inquire about receiving assistance, contact Jonathan & Cherry Picache at (201) 962-3222. Jonathan and Cherry Picache are the owners/operators of the franchise whose mission is to improve the quality of life and level of independence for every client and family receiving their services. ComForcare’s organization draws upon over half century of collective experience in the industry and lives by the credo that “When You Can’t Be There, You Can Call ComForcare.” ComForcare also aids with doctor’s appointments, hourly and live in services, chore services, safety supervision, meal preparation, companionship, medication reminders, benefit coordination, long term care insurance, direct insurance billing, transportation, and new mom care. ComForcare Senior Services are located at 345 Route 17 South in Upper Saddle River. Call (201)962-3222 or e-mail Visit online at nebergen. “On sunny days open the blinds and drapes to capture the warmth of the sun. 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