NEBS BANCSHARES, INC. (a Maryland corporation) 3,162,500 Shares (Subject to an Increase Up to 3,636,875 Shares) COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT November , 2005Agency Agreement • October 26th, 2005 • NEBS Bancshares, Inc. • Savings institution, federally chartered • New York
