Common Contracts

Mr. John S. Fitzgerald President and Chief Executive Officer Magyar Bancorp, Inc. / Magyar Bank New Brunswick, New Jersey 08901 Dear Mr. Fitzgerald:

Magyar Bancorp, Inc. • March 15th, 2021 • Savings institution, federally chartered • Virginia

• Company
  Magyar Bancorp, Inc.
• Filed
  March 15th, 2021
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Virginia

This letter sets forth the agreement between Magyar Bank, New Brunswick, New Jersey (the “Bank”), wholly-owned by Magyar Bancorp, Inc. (the “Company”), which in turn is the mid-tier holding company majority owned by Magyar Bancorp, MHC (the “MHC”), collectively, “Magyar” or the “Company,” and RP® Financial, LC. (“RP Financial”), whereby RP Financial will provide the independent conversion appraisal services in conjunction with Magyar’s second step conversion offering.

Mr. Edward J. Cooney Chief Executive Officer Community First Bancshares, Inc. / Newton Federal Bank Covington, GA 30014 Dear Mr. Cooney:

Affinity Bancshares, Inc. • September 11th, 2020 • Georgia

• Company
  Affinity Bancshares, Inc.
• Filed
  September 11th, 2020
• Jurisdiction
  Georgia

This letter sets forth the agreement between Newton Federal Bank, Covington, Georgia (the “Bank”), wholly-owned by Community First Bancshares, Inc. (the “Company”), which in turn is the mid-tier holding company majority owned by Community First Bancshares, MHC (the “MHC”), collectively, “Community First” or the “Company,” and RP® Financial, LC. (“RP Financial”), whereby RP Financial will provide the independent conversion appraisal services in conjunction with Community First’s second step conversion offering.