EMPLOYMENT AGREEMENT THIS AGREEMENT, is entered into this 14th day of March 2005, (hereinafter the "Effective Date") by and between American Savings Bank of New Jersey, Bloomfield, New Jersey (the "Savings Bank") and Fred G. Kowal (hereinafter the...Employment Agreement • April 18th, 2005 • Asb Holding Co • Savings institution, federally chartered • New Jersey
