BV Financial Inc. Watch

from 8-K 36 pages Up to 13,225,000 Shares (Subject to Increase Up to 15,208,750 in Shares as a Result of Demand for the Shares of Common Stock in the Offering or Changes in Market Conditions) BV Financial, Inc. (A Maryland Corporation) Common Stock (Par Value $0.01 Per Share) Agency Agreement May 15, 2023

from S-1/A 36 pages Up to 13,225,000 Shares (Subject to Increase Up to 15,208,750 in Shares as a Result of Demand for the Shares of Common Stock in the Offering or Changes in Market Conditions) BV Financial, Inc. (A Maryland Corporation) Common Stock (Par Value $0.01 Per Share) Agency Agreement May [•], 2023

from S-1 6 pages Confidential

from S-1 8 pages Confidential

from SB-2/A 30 pages 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 Agreement , 2004

from SB-2 14 pages May 11, 2004 Services and Fees in Our Role as Conversion Agent, We Anticipate That Our Services Will Include the Services Outlined Below, Each as May Be Necessary and as the Bank May Reasonably Request: I. Consolidation of Accounts and Development of a Central File II. Preparation of Proxy, Order and/or Request Forms III. Organization and Supervision of the Conversion Center IV. Proxy Solicitation and Special Meeting Services V. Subscription Services Mr. Edmund T. Leonard May 11, 2004 Page 2 Costs and Expenses