ECB Bancorp Inc. (a Maryland corporation) Up to 10,637,500 Shares (Subject to Increase Up to 12,233,125 Shares) COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT May 13, 2022Agency Agreement • May 13th, 2022 • ECB Bancorp, Inc. /MD/ • Savings institutions, not federally chartered • New York
