WVFC WVS Financial Corporation

WVS Financial Corp.

9001 Perry Highway

Pittsburgh, Pennsylvania 15237

WVS Financial Corp. Employee Stock Ownership Plan and Trust

WVS Financial Corp.

9001 Perry Highway

Pittsburgh, Pennsylvania 15237

Pennsylvania

Common Stock, par value $.01 per share

929358 10 9

290,868 shares of Common Stock

The WVS Financial Corp. Employee Stock Ownership Plan and Trust (the “ESOP” or the “Reporting Person”) is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), with individual accounts for the benefit of participating employees and their beneficiaries. The ESOP’s assets are held in trust by the trustee, currently John A. Howard, Jr. (the “Plan Trustee”). The number of shares listed as beneficially owned represents the entire number of shares of Common Stock held in the ESOP by the Plan Trustee as of December 31, 2021. As of December 31, 2021, of the 290,871 shares of Common Stock held in the ESOP, there were 138,503 shares of Common Stock allocated to individual accounts established for participating employees and their beneficiaries, while 152,365 shares of Common Stock held in the ESOP were unallocated. In general, participating employees and their beneficiaries have the power and authority to direct the voting of shares of Common Stock allocated to their individual accounts through the Plan Trustee (who has shared voting and dispositive power over the allocated shares), subject to the fiduciary duties of the Plan Trustee and applicable law. Any unallocated shares of Common Stock are generally voted by the Plan Trustee in his discretion, subject to the fiduciary duties of the Plan Trustee and applicable law.

Not applicable since the reporting entity owns more than 5% of the class.

Dividends on Common Stock allocated to the accounts of participating employees and their beneficiaries, to the extent paid in the form of additional securities, are added to their respective individual accounts. Dividends on Common Stock allocated to the accounts of participating employees and their beneficiaries, to the extent paid in cash, are, at the direction of the Plan Administrator, either (i) credited to the respective individual accounts, or (ii) used to pay principal and interest on outstanding indebtedness incurred by the Reporting Person to acquire Common Stock.

Not applicable.

Not applicable since the Reporting Person is not a member of a group.

Not applicable since the Reporting Person is not a member of a group.

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

This report is not an admission that the Plan Trustee is the beneficial owners of any securities covered by this report, and the Plan Trustee expressly disclaims beneficial ownership of all shares reported herein pursuant to Rule 13d-4.