PFS BANCORP, INC. (a Maryland corporation) Up to 1,725,000 Shares of Common Stock (Subject to Increase to up to 1,983,750 Shares of Common Stock) COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT August 11, 2023Agency Agreement • August 14th, 2023 • PFS Bancorp, Inc. • Savings institutions, not federally chartered
PFS Bancorp, Inc., a Maryland corporation (“PFS Bancorp”) and Peru Federal Savings Bank, a federally-chartered mutual savings bank (“Peru Federal”) (collectively, PFS Bancorp and Peru Federal are the “PFS Parties”), hereby confirm, jointly and severally, their agreement with Keefe, Bruyette & Woods, Inc. (“KBW” or the “Agent”), as follows:
