EXHIBIT 10.3 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 John Scognamiglio (the "Executive")....Employment Agreement • August 27th, 1998 • Ridgewood Financial Inc • New Jersey
