Contract analysis

1. Purchase Agreement — Executed Signature Pages (PDF)

2. Pricing Term Sheet dated February 19, 2026 (PDF) Dear Diane, I am pleased to confirm that pricing of the offering occurred today, February 19, 2026. Congratulations to you and the entire BRB team — the investor roadshow on February 17–18 generated very strong demand across institutional accounts, which contributed directly to the favorable pricing terms summarized below. This is an excellent result for the bank. *

1. Executed Indenture and Global Note

2. Registration Rights Agreement (execution version)

3. Officer's Certificate — bring-down of representations, to be signed by Marcus Harrington and Priya Narasimhan

4. Secretary's Certificate — Diane, we will need you to certify the charter, bylaws, board resolutions, and incumbency

5. Good standing certificates (OCC for BRB; Delaware Secretary of State for Belmont Ridge Financial Group, Inc.)

6. Legal opinions: - Calderwood & Harkness corporate/securities opinion, tax opinion, and negative assurance letter - Pennfield & Associates opinion on behalf of Initial Purchasers' counsel - Trustee's counsel opinion

7. Comfort letter from Whitmore & Lathrop, P.C. (Gregory Fontaine)

9. Closing funds flow memorandum and cross-receipt

10. OCC post-issuance notification (to be filed promptly after closing; OCC File No. 2026-SUB-0031) As a reminder, the OCC non-objection letter was received on February 12, 2026, and no further regulatory approvals are required for closing. **Funds Flow Preview** The funds flow memorandum is being finalized and will detail the following: gross proceeds of $349,125,000 from the Initial Purchasers, less the $2,275,000