What's New at Community Savings Bank

We are in the process of converting our mutual structure into a publicly traded stock company according to a Plan of Conversion. Here are just a few of the highlights of the conversion process:

• We will continue to operate with the same community focus and with the same employees, management team, and branch locations.
• Generally, our deposit customers will receive priority in subscribing for common stock in the Initial Public Offering, if they choose to subscribe.
• In the process, we plan to create a Charitable Foundation for the purpose of financially supporting local charitable organizations in our communities. The Foundation is to be funded with $375,000.

Our depositor customers will be receiving large envelopes in the mail starting on or about 5/27/26 containing all the details of the conversion process. Please help us by opening each package you receive, reading the enclosed materials carefully before taking any action, and voting PROMPTLY. The materials include a phone number to call if you have any questions. A special members meeting is scheduled for July 1, 2026 to vote on the Plan of Conversion and the Charitable Foundation.

This communication is neither an offer to sell nor a solicitation of an offer to buy any shares of common stock. The offer is made only by the Prospectus and when accompanied by a stock order form. These securities are not deposits or savings accounts and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. This communication is not a solicitation of a proxy to vote at the Special Meeting of Members. The proxy solicitation is made only by the Proxy Statement and the accompanying form of proxy.