Page 18 THE VILLADOM TIMES II • April 24, 2013 of Hewitt, Thomas Roach Jr. of Boca Raton, Florida, and Robert Roach of Mendon, Massachusetts, nine grandchildren, and seven great-grandchildren. She was predeceased by her husband Thomas Roach. Arrangements were made by Maxwell Funeral Home in Little Egg Harbor. Memorial donations may be made to Ocean County Hospice. A memorial Mass will be held at 11 a.m. on April 23 at Saint Paul R.C. Church, 200 Wyckoff Avenue in Ramsey. Ruth C. Sloan of East Dennis, Massachusetts, formerly of Ridgewood, died April 16. She was 89. She graduated from Case Western Reserve University in Cleveland, Ohio, Class of 1946. She received an MS in library science from Rutgers University in 1967. She was the librarian at the School of the Holy Child of Jesus in Suffern, New York for two years and for over 30 years at Waldwick High School until her retirement. She was a member of the College Club of Ridgewood, the American Association of University Women, the American Guild of Organists, the American Church Union, the League of Women Voters, the Ridgewood Country Club, and Christ Church in Ridgewood. She had been a regent of the Cathedral Church of Saint John the Divine in New York City and of Christ Church in Suffern, New York. She is survived by her children Dr. Bruce W. Sloan, the Rev. Richard D. Sloan, Catherine W. Sloan, Philip E. Sloan, Marion Sloan Freeman, and nine grandchildren. She was predeceased by her husband Walter F. Sloan, DMD. Arrangements were made by Feeney Funeral Home in Ridgewood. Grace Sternitzke, nee Buhler, of Glen Rock died April 6. She was 92. She was a member of Community Church of Glen Rock where she served on the consistory and missions ministry. She was a member of the Woman’s Guild, and Evening Circle. She had volunteered at the Columbia Presbyterian Medical Center in Manhattan for many years. She is survived by her children Gail Sternitzke and Glenn Sternitzke, two grandchildren, and her sister Joyce Beacham. She was predeceased by her husband Robert F. Sternitzke and her sister Faith Dunlop. Arrangements were made by Vander Plaat Caggiano in Fair Lawn. Memorial donations may be made to the Community Church of Glen Rock, 354 Rock Road, Glen Rock, New Jersey 07452, or the Alzheimer’s Association, 400 Morris Avenue, Suite 251, Denville, NJ 07834-1365. Catherine M. Woods, nee Quinn, of Glen Rock died April 14. She was 90. She was a graduate of Hunter College in New York City, and received a bachelor’s degree in business in 1943. She is survived by her children James R. Woods, Margaret J. Samsel, and Patricia A. Zeiser, and seven grandchildren. She was predeceased by her husband James J. Woods and her brother James V. Quinn Jr. Arrangements were made by Vander Plaat-Caggiano Funeral Home Inc., in Fair Lawn. Memorial donations may be made to the Glen Rock Public Library, 315 Rock Road, Glen Rock, NJ 07452, or Little Sisters of the Poor, 2999 Schurz Avenue, Bronx, NY 10465. Josephine Zingaro, nee Rotondo, of Mahwah, formerly of Norwood, died April 13. She was 87. She had formerly been employed by Hausmann Industries in Northvale, and was a parishioner of Immaculate Conception R.C. Church in Mahwah. She is survived by her daughter Lia Chagaris of Mahwah, three grandchildren, and her sister Irma Romano of Rome, Italy. She was predeceased by her husband Fulvio T. Zingaro and her son Vincent Zingaro. Arrangements were made by Van Emburgh-Sneider-Pernice Funeral Home in Ramsey. Memorial donations may be made to the Immaculate Conception R.C. Church, 900 Darlington Avenue, Mahwah, NJ 07430. Obituaries Victoria Saracco Ferraro of McLean, Virginia, formerly of Glen Rock and Del Ray Beach, Florida, died April 12. She was 94. She had worked with the Social Security Administration. She is survived by her children Gina Barbara Lewis of McLean, Phil Ferraro of Prince Edward Island, Canada, and Thomas Ferraro of Davidsonville, Maryland, 10 grandchildren, and three great-grandchildren. She was predeceased by her husband Dr. Eugene Thomas Ferraro. Memorial donations may be made to Youth for Tomorrow at 11835 Hazel Circle Drive, Bristow, VA, 20136. Jeanne Ann Griffin of Saddle River, formerly of Ridgewood, died April 5. She was 86. She was a graduate of Trinity University in Washington, D.C., and a parishioner of Mount Carmel R.C. Church in Ridgewood, where she had worked as a secretary. She is survived by her sister Virginia Bagot, her nieces and nephews Pamela Bagot, Valerie Bagot and Timothy Bagot, and dear friends Madeleine and Robert Stepanian of Rhode Island. She was predeceased by her parents Timothy and Agnes Griffin, and her sister Renee Griffin. Arrangements were made by Feeney Funeral Home in Ridgewood. Victoria Saracco Ferraro Josephine Zingaro Ruth C. Sloan Jeanne Ann Griffin Workshops (continued from page 4) will also be available to provide information and to answer questions regarding retirement planning. Seating is limited for these workshops. For more information, or to RSVP, contact Patti Accavallo at (201) 4447100, extension 7305 or paccavallo@asbnow.com. Variable annuities are long-term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They have fees and charges, including mortality and expense risk charges, administrative fees, and contract fees. They are sold only by prospectus. Guarantees are based on the claims paying ability of the issuer. Withdrawals made prior to age 59 are subject to a 10 percent IRS penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor’s unit, when redeemed, may be worth more or less than their original value. Investors should consider the investment objectives, risk, charges, and expenses of the variable annuity contract and sub-accounts carefully before investing. The prospectus contains this and other important information about the variable rate annuity and sub-accounts. Contract and subaccount prospectuses are available from your financial representative. Read prospectuses carefully before investing. AXA Distributors, LLC, Investment Services at Atlantic Stewardship Bank and LPL Financial are not affiliated. Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Elizabeth “Betty” Jane Bowes MacCallum of Wyckoff died April 14. She was 78. She graduated from Brown University with a degree in English in 1955. She received a master’s in education and taught for nearly a decade in the public elementary schools in Wyckoff and Lake Forest, Illinois. She went on to a career in real estate, working with Murphy Realty and Coldwell Banker. She sang in the Saint Elizabeth’s Church Choir in Wyckoff and served as its recording secretary. She had been a volunteer for the Little Sisters of the Poor in Totowa. She is survived by her husband Douglas C. MacCallum Jr., and her daughters Jane Elizabeth Preziosi, Lisa Ann Miller, and Martha MacCallum Gregory. She is also survived by eight grandchildren. Arrangements were made by Vander Plaat Funeral Home in Wyckoff. Memorial donations may be made to Little Sisters of the Poor Auxiliary, 140 Shepherds Lane, Totowa, NJ. Jean Roach of Little Egg Harbor, formerly of Allendale, died April 16. She was 86. She was a registered nurse, and was employed at Good Samaritan Hospital in Suffern, New York, and at SeaCrest Village Nursing Home in Little Egg Harbor until her retirement in 2006. She was a member of Saint Theresa R.C. Church in Little Egg Harbor. She is survived by her children Kathleen DVernay of Ramsey, Barbara Loftus of Wardsboro, Vermont, Terry Giegerich Elizabeth ‘Betty’ Jane Bowes MacCallum Grace Sternitzke Catherine M. Woods Jean Roach