Common use of PARTICIPANT’S ACCEPTANCE Clause in Contracts

PARTICIPANT’S ACCEPTANCE. The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 Equity Incentive Plan. PARTICIPANT EXHIBIT A NOTICE OF EXERCISE OF OPTION (BY OUTSIDE DIRECTOR) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase shares of common stock of the Company (“Common Stock”) for a purchase price of $ per share. Enclosed please find (check one): o Cash or personal, certified or cashier’s check in the sum of $ , in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2011 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2011 Equity Incentive Plan. PARTICIPANT _____________________________ EXHIBIT A NOTICE OF EXERCISE OF OPTION (BY OUTSIDE DIRECTOREMPLOYEE) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. OmniAmerican Bancorp, Inc. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 OmniAmerican Bancorp, Inc. 2011 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase _____ shares of common stock of the Company (“Common Stock”) for a purchase price of $ per share. Enclosed please find I wish to pay the purchase price by (check one): [Any payment to be delivered must accompany this Notice of Exercise] o Cash or personal, certified or cashier’s check in the sum of $ $_____, in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , $_____ in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The As of the date of grant of this Option set forth above, the undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2019 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2019 Equity Incentive Plan. PARTICIPANT EXHIBIT A NOTICE OF EXERCISE OF NON-QUALIFIED STOCK OPTION (BY OUTSIDE DIRECTOR) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. CBM Bancorp, Inc. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 CBM Bancorp, Inc. 2019 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase __________________ shares of common stock of the Company (“Common Stock”) for a an aggregate purchase price of $ $______ per share. Enclosed please find (check one): o I elect to pay the exercise price by: Cash or personal, certified or cashier’s check in the sum of $ , in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2011 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2011 Equity Incentive Plan. PARTICIPANT _______________________________________ EXHIBIT A NOTICE OF EXERCISE OF OPTION (BY OUTSIDE DIRECTOR) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. OmniAmerican Bancorp, Inc. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 OmniAmerican Bancorp, Inc. 2011 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase _____ shares of common stock of the Company (“Common Stock”) for a purchase price of $ $_______ per share. Enclosed please find I wish to pay the purchase price by (check one): [Any payment to be delivered must accompany this Notice of Exercise] o Cash or personal, certified or cashier’s check in the sum of $ $_____, in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , $_____ in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2014 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2014 Equity Incentive Plan. PARTICIPANT EXHIBIT A NOTICE OF EXERCISE OF OPTION (BY OUTSIDE DIRECTOR) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. AJS Bancorp, Inc. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 AJS Bancorp, Inc. 2014 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase shares of common stock of the Company (“Common Stock”) for a purchase price of $ per share. Enclosed please find I wish to pay the purchase price by (check oneone or more): [Any payment to be delivered must accompany this Notice of Exercise of Option] o Cash or personal, certified or cashier’s check in the sum of $ , in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The As of the date of grant of this Option set forth above, the undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2019 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2019 Equity Incentive Plan. PARTICIPANT EXHIBIT A NOTICE OF EXERCISE OF NON-QUALIFIED STOCK OPTION (BY OUTSIDE DIRECTOR) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. CBM Bancorp, Inc. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 CBM Bancorp, Inc. 2019 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase __________________ shares of common stock of the Company (“Common Stock”) for a an aggregate purchase price of $ $______ per share. Enclosed please find (check one): o I elect to pay the exercise price by: Cash or personal, certified or cashier’s check in the sum of $ $_______, in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , $______ in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 Equity Incentive Plan. PARTICIPANT EXHIBIT A NOTICE OF EXERCISE OF OPTION (BY OUTSIDE DIRECTOREMPLOYEE) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase shares of common stock of the Company (“Common Stock”) for a purchase price of $ per share. Enclosed please find (check one): o Cash or personal, certified or cashier’s check in the sum of $ , in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2014 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2014 Equity Incentive Plan. PARTICIPANT EXHIBIT A NOTICE OF EXERCISE OF OPTION (BY OUTSIDE DIRECTOREMPLOYEE) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. AJS Bancorp, Inc. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 AJS Bancorp, Inc. 2014 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase shares of common stock of the Company (“Common Stock”) for a purchase price of $ per share. Enclosed please find I wish to pay the purchase price by (check oneone or more, as applicable): [Any payment to be delivered must accompany this Notice of Exercise of Option] o Cash or personal, certified or cashier’s check in the sum of $ , in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The As of the date of grant of this Option set forth above, the undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2019 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2019 Equity Incentive Plan. PARTICIPANT By: EXHIBIT A NOTICE OF EXERCISE OF INCENTIVE STOCK OPTION (BY OUTSIDE DIRECTORISO) I hereby exercise exercise, all or part of, the incentive stock option (the “Option” or “ISO”) granted to me by Oconee Federal Financial Corp. MAINSTREET BANCSHARES, INC. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 MAINSTREET BANCSHARES, INC. 2019 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase __________________ shares of common stock of the Company (“Common Stock”) for a purchase price of $ $______ per share. Enclosed please find (check one): o I elect to pay the exercise price by: — Cash or personal, certified or cashier’s check in the sum of $ $_______, in full/partial payment of the purchase price. o — Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , $______ in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The As of the date of grant of this Option set forth above, the undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2019 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2019 Equity Incentive Plan. PARTICIPANT By: EXHIBIT A NOTICE OF EXERCISE OF INCENTIVE STOCK OPTION (BY OUTSIDE DIRECTORISO) I hereby exercise exercise, all or part of, the incentive stock option (the “Option” or “ISO”) granted to me by Oconee Federal Financial Corp. CBM Bancorp, Inc. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 CBM Bancorp, Inc. 2019 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase __________________ shares of common stock of the Company (“Common Stock”) for a purchase price of $ $______ per share. Enclosed please find (check one): o I elect to pay the exercise price by: Cash or personal, certified or cashier’s check in the sum of $ $_______, in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , $______ in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 Equity Incentive Plan. PARTICIPANT EXHIBIT A NOTICE OF EXERCISE OF OPTION (BY OUTSIDE DIRECTOR) I hereby exercise the stock option (the “Option”) granted to me by Oconee Federal Financial Corp. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase shares of common stock of the Company (“Common Stock”) for a purchase price of $ per share. Enclosed please find (check one): o Cash or personal, certified or cashier’s check in the sum of $ , in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , in full/partial payment of the purchase price.*

PARTICIPANT’S ACCEPTANCE. The As of the date of grant of this Option set forth above, the undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the terms and provisions of the Company’s 2012 2019 Equity Incentive Plan. The undersigned hereby acknowledges receipt of a copy of the Company’s 2012 2019 Equity Incentive Plan. PARTICIPANT By: EXHIBIT A NOTICE OF EXERCISE OF INCENTIVE STOCK OPTION (BY OUTSIDE DIRECTORISO) I hereby exercise exercise, all or part of, the incentive stock option (the “Option” or “ISO”) granted to me by Oconee Federal Financial Corp. CBM Bancorp, Inc. (the “Company”) or its affiliate, subject to all the terms and provisions set forth in the Stock Option Agreement (the “Agreement”) and the Oconee Federal Financial Corp. 2012 CBM Bancorp, Inc. 2019 Equity Incentive Plan (the “Plan”) referred to therein, and notify you of my desire to purchase shares of common stock of the Company (“Common Stock”) for a purchase price of $ per share. Enclosed please find (check one): o I elect to pay the exercise price by: Cash or personal, certified or cashier’s check in the sum of $ , in full/partial payment of the purchase price. o Stock of the Company with a fair market value of $ in full/partial payment of the purchase price.* o My check in the sum of $ and stock of the Company with a fair market value of $ , in full/partial payment of the purchase price.*