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
