EXHIBIT 99.1 AGREEMENT AND PLAN OF MERGER By and Between PROVIDENT SAVINGS BANKAgreement and Plan of Merger • August 29th, 2000 • Ridgewood Financial Inc • Savings institutions, not federally chartered • New Jersey
EXHIBIT 10.1 FORM OF EMPLOYMENT AGREEMENT THIS AGREEMENT, is entered into this 22nd day of June 1998, ("Effective Date") by and between Ridgewood Savings Bank of New Jersey, Ridgewood, New Jersey (the "Savings Bank") and Susan E. Naruk (the...Employment Agreement • May 12th, 2000 • Ridgewood Financial Inc • Savings institutions, not federally chartered • New Jersey
EXHIBIT 1 RIDGEWOOD FINANCIAL, INC. (a New Jersey-chartered Stock Corporation - in Formation) Up to 1,405,300 Shares (Subject to Increase Up to 1,616,095 Shares) COMMON STOCK ($.10 Par Value) Subscription Price $10.00 Per Share AGENCY AGREEMENT...Agency Agreement • October 21st, 1998 • Ridgewood Financial Inc • Savings institutions, not federally chartered • New Jersey
