NAUGATUCK VALLEY FINANCIAL CORP. (a Maryland-chartered Stock Corporation) Up to 4,168,750 Shares (Subject to Increase Up to 4,794,063 Shares) COMMON STOCK ($0.01 Par Value) Subscription Price $10.00 Per Share FORM OF AGENCY AGREEMENT May , 2011Agency Agreement • May 4th, 2011 • Naugatuck Valley Financial Corp • Savings institution, federally chartered • Maryland
