Oconee Federal Establishes Loan Production Office in Greenville/Greer

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Oconee Federal Savings and Loan Association (“Oconee Federal”) has expanded its
service footprint by opening a Loan Production Office in Greer, South Carolina. The office is located at
103 Regency Commons Dr., Suite B2, just off The Parkway near Pelham Road. Tim Lincolnhol, Scott
Presley and Ginger King will lead Oconee Federal’s Greater Greenville office. The trio has over 85
combined years of banking experience in the Upstate market.

“The decision to expand our presence and build business in Greenville and Spartanburg Counties is a
natural fit for us,” Todd Latiff, who serves as Chief Banking Officer and Executive Vice President, said.
“Oconee Federal is an exceptionally sound, nearly century-old institution. We look forward to the
opportunity to serve the businesses and families living in the dynamic and growing Greenville-
Spartanburg market.

With 35 years of Commercial Banking experience, Tim Lincolnhol serves as Oconee Federal’s Greater
Greenville Market Executive. Tim is a member of Advent United Methodist Church and has served on
the boards at Greer Relief and Resources and the Greer Cultural Arts Council as well as participating on
the loan committee for The Appalachian Development Corporation.

“We are truly excited to join the communities of Greer, Greenville and Spartanburg, and hope to
embody ‘Oconee’ which takes its name from the Cherokee word ‘Ae-quo- nee’ meaning ‘land beside
the water’. We intend to be the people that stand beside our customers as ‘Friends You Can Bank On’,
and serve them as true local partners should,” Lincolnhol said.

Ginger King is Senior Loan Coordinator for Oconee Federal. With more than 30 years of banking
experience, King is coordinating establishing the loan production office and positioning it for growth in
the Greater Greenville market.

Scott Presley is Oconee Federal’s Builder Finance Loan Officer. He has more than 20 years lending
experience in the Upstate market. Presley has been a member of the Homebuilders Association of
Greenville since 1996 and has also served on the HBA of Greenville’s Board of Directors and chaired
numerous committees. He is a graduate of Clemson University and resides in Greer.

About Oconee Federal
Oconee Federal Financial Corp. (NASDAQ Capital Market: OFED) is the holding company of Oconee
Federal Savings and Loan Association. Oconee Federal Savings and Loan Association is a federally
chartered savings and loan association founded in 1924 and headquartered in Seneca, South Carolina.
Oconee Federal Savings and Loan Association is a community oriented financial institution operating
seven full-service branch locations in Oconee County, South Carolina, Stephens County, Georgia, and
Rabun County, Georgia, and two loan productions offices in Clemson, South Carolina, and Greer, South
Carolina.

Forward-Looking Statements
This release contains certain forward-looking statements within the meaning of the Private Securities
Litigation Reform Act of 1995 that are based on current expectations, estimates and projections about
the company’s and the association’s industry and management’s beliefs and assumptions. Words such
as anticipates, expects, intends, plans, believes, estimates and variations of such words and expressions
are intended to identify fiscal year forward-looking statements. Such statements are not guarantees of
future performance and are subject to certain risks, uncertainties and assumptions that are difficult to
forecast. Therefore, actual results may differ materially from those expressed or forecast in such
forward-looking statements. The company undertakes no obligation to update publicly any forward-
looking statements, whether as a result of new information or otherwise.

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