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Dividend Reinvestment Plan

STEWARDSHIP FINANCIAL CORPORATION (NASDAQ - SSFN)

The Corporation's Dividend Reinvestment Plan ("DRP") provides current shareholders with a simple, convenient method of investing their cash dividends and purchasing additional shares of the Corporation's common stock without payment of a brokerage commission.

If participating in the Plan, your dividends can automatically be reinvested in Stewardship Financial Corporation common stock. The Plan also allows registered shareholders of Stewardship Financial Corporation to purchase additional shares of SFC common stock using optional cash payments in addition to the purchases made through the reinvestment of dividends.

Features of the optional cash purchase component of our DRP include the following:
  • Shareholders can invest any amount from $100 to $50,000 in any calendar year to directly purchase SFC common stock on a one time basis, a periodic basis or a monthly recurring basis through an automatic withdrawal from your bank account.
  • No per share processing fees or transaction costs are charged to the shareholder for dividend reinvestment purchases or optional cash purchases made by check. A nominal transaction fee is charged to purchase shares through a recurring automatic withdrawal from your U.S. bank account or a one-time online bank debit. SFC pays costs of administering the DRP.
  • Participation is always voluntary. After initial enrollment, there is no requirement to make a purchase at any time. Participants may also withdraw from the Plan if they so choose.
  • A participant can sell some or all of the shares credited to their Plan account by contacting our stock transfer agent.
  • Participants will receive a detailed statement in the mail as soon as practicable after each purchase has been made.

Shareholders may view information on the DRP, including the DRP Prospectus and information on enrolling online, by visiting www.computershare.com/investor. You should rely only on the information contained in or incorporated by reference in the Prospectus. If you have any additional questions about the DRP and its optional cash purchase feature, or if you wish to receive a copy of the Prospectus or an Enrollment Form for participation, please call our stock transfer agent directly.

Computershare Shareholder Services
P.O. Box 505000
Louisville, KY 40233-5000
800-368-5948
www.computershare.com/investor

For additional information, shareholders can also call Stewardship Financial Corporation at 877-844-BANK or 201-444-7100.

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