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
