905,625 Shares (subject to increase up to 1,041,469 shares in the event of an increase in the pro forma market value of the Company’s Common Stock) BV FINANCIAL, INC. (a federal stock holding company) Common Stock (par value $.01 per share) AGENCY...Agency Agreement • November 12th, 2004 • BV Financial, Inc. • Savings institution, federally chartered • New York
