Community First Bancshares, Inc. Watch

from 8-K 33 pages Up to 3,220,000 Shares (Subject to Increase Up to 3,703,000 in Shares the Event of an Increase in the Pro Forma Market Value of the Company’s Common Stock) Affinity Bancshares, Inc. (A Maryland Corporation) Common Stock (Par Value $0.01 Per Share) Agency Agreement November 10, 2020

from 425 33 pages Up to 3,220,000 Shares (Subject to Increase Up to 3,703,000 in Shares the Event of an Increase in the Pro Forma Market Value of the Company’s Common Stock) Affinity Bancshares, Inc. (A Maryland Corporation) Common Stock (Par Value $0.01 Per Share) Agency Agreement November 10, 2020

from 8-K 35 pages Up to 3,015,300 Shares (Subject to Increase Up to 3,467,595 in Shares the Event of an Increase in the Pro Forma Market Value of the Company’s Common Stock) Community First Bancshares, Inc. (A Federal Corporation) Common Stock (Par Value $0.01 Per Share) Agency Agreement February 13, 2017

from S-1/A 34 pages Up to 2,697,900 Shares (Subject to Increase Up to 3,102,585 in Shares the Event of an Increase in the Pro Forma Market Value of the Company’s Common Stock) Community First Bancshares, Inc. (A Federal Corporation) Common Stock (Par Value $0.01 Per Share) Agency Agreement February , 2017

from S-1 10 pages Bsp Securities, LLC (“Bsp”) Is Pleased to Assist Newton Federal Bank (The “Bank”) With the Offer and Sale of Certain Shares of the Common Stock (The “Common Stock”) of a Newly Formed Parent Company (“Bancorp”) to the Bank’s Eligible Account Holders in a Subscription Offering And, Under Certain Circumstances, to Members of the Bank’s Community in a Direct Community Offering and to the General Public in a Syndicated Community Offering (Collectively, the “Offering”), All Pursuant to the Terms of a Plan of Stock Issuance to Be Adopted by the Board of Directors of a Newly Formed Mutual Holding Company (The “Mhc”) and the Boards of Directors of Bancorp and the Bank (The “Plan”) in Connection With the Adoption of a Plan of Reorganization Pursuant to Which the Bank Will Reorganize Into the Mutual Holding Company Form of Organization. for Purposes of This Letter, the Mhc, the Bancorp and the Bank Are Sometimes Collectively Referred to as the “Company” and Their Respective Boards of Directors Are Sometimes Collectively Referred to as the “Boards.” This Letter Agreement Is to Confirm the Terms and Conditions of Our Engagement (The “Agreement”). Services