COMMUNITY FINANCIAL CORP. EMPLOYEE STOCK OWNERSHIP AND 401(K) PLAN

Profit-sharing plan.

This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).

Participants have the opportunity to direct the investment of a portion of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.

Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.

Employee stock ownership plan that acquires employer securities with borrowed money or other debt-financing techniques.

Participant-directed brokerage accounts provided as an investment option under the plan.

Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.

Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Plan requiring that all or part of employer contributions be invested and held at least for a limited period in employer securities.