Hello, and Welcome to the 2022 Annual Meeting of Shareholders of MVB Financial Corp. Please note today's meeting is being recorded. It is now my pleasure to turn today's meeting over to David B. Alvarez, Chairman of the Board of Directors. Mr. Alvarez, the floor is yours. Thank you, I'd remind everyone this is the 24th annual meeting of the shareholders of MVB on this day, May 17, 2022. Thank you very much for participating in our annual meeting online today. We appreciate your support and more importantly, your time today. If you need a copy of the annual report or the proxy statement, the links are provided online. The virtual meeting Q&A and rules of conduct are also posted for your reference. If you have not yet voted or wish to change your vote, you may do so now by clicking on the link provided on the meeting page. The voting option requires that you were a shareholder of record at the close of business on March 28 and have logged into this meeting with a valid 15-digit control number. You will be notified when the voting has officially closed towards the end of this meeting. You may also submit questions online if you were a shareholder of record at the close of business on the record date and have logged into this meeting with a valid 15-digit control number. We will address as many questions as we can during this time. Should there be a few questions we do not get to, we will post them online in a timely manner following this meeting. We will now proceed with the formal meeting by reviewing the proposals and reporting the preliminary votes cast for each proposal. I would now like to introduce Lisa McCormick, Corporate Secretary and Investor Relations Officer of MVB, who will be assisting us during the formal meeting. Ms. McCormick, will you please provide the certification of mailing and certify that a quorum is present so that we may conduct the business of the MVB Financial Corp at this twenty-fourth annual meeting of the shareholders? Mr. Chairman, I certify that on or around April 7th, 2022, a notice of internet availability of proxy materials was mailed to shareholders of record as of March 28th, 2022. I also certify on behalf of the Proxy Committee that 65.64% of the outstanding shares of MVB Financial Corp are represented at this meeting or by proxy, and that in accordance with the bylaws, a quorum is present. I declare that a quorum is present and that the 24th annual meeting of the shareholders of MVB Financial Corp is officially convened for conducting business. Again, I'd like to personally thank each of the board of directors shown here on the screen for your time and commitment to MVB. All of our directors are actively involved, and we appreciate your service to the MVB boards. I'd like to take special note at this time to thank our longtime director, Chris Pallotta, for his 20 years of service. Chris was a founding member of MVB and has given unconditional, unwavering support throughout to the good of the bank, and he will be missed. Fortunately, he's in the neighborhood and will be a trusted advisor, and we appreciate your service, Chris. I'd also like to thank Anna Sainsbury for her time on the board. You know, her commitment to our bank, but as well the gaming industry. She's truly a visionary, and we wish her well in her future endeavors. Moving on, the purpose of this meeting is to transact business as discussed in the proxy statement. The items of business are those which have been set forth in the proxy in accordance with the bylaws of MVB Financial Corp, and the only items that may be acted on by the shareholders at this meeting. There are four proposals for consideration at this meeting of the shareholders. The first proposal is for the election of directors. The directors whose terms expire in 2022 have been nominated for a three-year term expiring in 2025. There is one new director, Lindsay A. Slater, who is also up for election this year. Ms. McCormick, will you please read the nominations for directors of MVB? Mr. Chairman, the three director nominees for the terms designated in the proxy statement are Daniel W. Holt, Gary A. LeDonne, Lindsay A. Slater. Thank you, Ms. McCormick. May I have the preliminary results for proposal number one? I certify that 95.71% of the votes cast for proposal number 1 voted in favor of all directors. Thank you. Based on the preliminary results from the vote, I declare those nominated as directors of MVB Financial Corp for the terms indicated are hereby elected. The next proposal is required by the Securities and Exchange Commission. It is a non-binding advisory vote to the board of directors indicating the shareholders' opinion on the proposal. Ms. McCormick, will you please read proposal number two? To approve, on a non-binding advisory basis, the compensation of the named executive officers. May I please have the preliminary results of proposal number two? I certify that 98.55% of the votes cast for proposal number 2 voted in favor of the proposal. 1.32% voted against the proposal and 0.13% abstained from voting. Based on the preliminary results from the vote, I declare proposal number 2 is approved. Ms. McCormick, will you please read proposal number 3? To ratify the appointment of Dixon Hughes Goodman LLP as the independent registered accounting firm for MVB for the year 2022. I would like to introduce Cheryl Spielman, who would like to make a statement on behalf of the audit committee. Thank you, Mr. Chairman. The audit committee is directly responsible for the appointment, compensation, retention, and oversight of our independent public accounting firm. Dixon Hughes Goodman LLP completed our 2021 audit and found no material issues. Considering Dixon's quality of work, their institutional knowledge of the company, and focus in the industry, we have decided to retain the firm for our 2022 audit. Thank you, Cheryl. I would also like to note that members of Dixon Hughes Goodman are in attendance today. May I please have the preliminary results for proposal number three? I certify that 96.10% of the votes cast for proposal number 3 voted in favor of the proposal, 3.85% voted against the proposal, and 0.05% abstained from voting. Based on the results of the preliminary vote, I declare proposal number three approved. Ms. McCormick, will you please read proposal number four? To approve the MVB Financial Corp 2022 Stock Incentive Plan. Thank you. May I please have the preliminary results for proposal number four? I certify that 73.29% of the votes cast for proposal number 4 voted in favor of the proposal, 25.93% voted against the proposal, and 0.78% abstained from voting. Based on the preliminary results from the vote, I declare proposal number 4 is approved. Are there any questions specifically relating to any of these proposals? If there are no questions, I would now ask that the voting be officially closed. A report confirming the final vote counts will be available online in the next few days for your review. I would now like to introduce Larry Mazza, the Chief Executive Officer, and he's going to provide a CEO presentation. Thank you, Mr. Chairman. Our first slide looks at our accolades for this past year. This was the end of our what we call MVB 3.0 strategy. In 2022, we introduced MVB F1 at our Investor Day presentation. I think MVB 3.0 is very successful. When you look at some of the accolades we have received, it really is validation to the success of our culture. I think the great places to work, the commitment to the industry, workplace, and diversity, getting Fintech, being one of the fastest-growing companies in the country, as well as being named the Bank of the Year by one of the Financial Times publications. On the next slide, you can see how MVB has grown since 2019. We were in several states at that time. We now have employees and clients in over 40+ states. On the right, you can see where they were alumni from some of the, I think, best companies in the country, and making MVB now one of the best companies, I think, in the country. On the next slide, you get some highlights from our 2021 performance. Our net interest income was up, our loan growth, our non-interest-bearing deposits, and our payment card and services income, all in a very positive direction for 2021. Our next slide shows you some key strategic developments for us. One is we continue to build Fintech through our company called Victor. Our strategic acquisitions of Flexi and Trabian, our resource allocations, and enhancements as we sold the branches in the south of West Virginia, our efficient use of capital with our sub-debt raise, and then our new lines of business, launching our SBA and card acquiring vehicles. The next slide gets you into what we're doing with our non-interest-bearing deposits. We've seen, we've gone from 11% now, up to 47%. As we announced in the first quarter, we're now over 50% of all of our deposits being non-interest-bearing with a compounded annual growth rate of 73%. On the next slide, that was the transformation of the deposit side of the balance sheet. This is the transformation we're starting to see with new initiatives on the loan growth side. We have an average over the past five years of a 14% compound annual growth rate. As this transformed, I think we'll still see excellent loan quality as well as very good growth. The next slide is very important to us as it validates our commitment to our shareholders, and this is our tangible book value growth. You can see over the last five years, we had an industry leading and peer group leading compounded annual growth rate of 17%, which is now at the end of 2021 at $22.17. That has translated into the stock market, our stock performance over the past five years, MVB is up 212%. The KBW Bank Index up 39.5%, and NASDAQ Bank Index up 28.3%. I'm very grateful for our board, our teammates, our clients, and our communities for supporting us in this type of execution and performance. The next slide shows the commitment of our what we call our insiders, which is our teammates, our board members that own stock. Nearly 15% or over 15% of our shareholders are from the inside of the company, which I think aligns interest to our shareholders. One of the most important slides of the deck is our growth in net income. Over the past five years, we've had a compounded annual growth rate of 49%, which translated into our earnings per share of a compounded annual growth rate of 46%. All this culminating in the end of the strategic plan of MVB 3.0, taking us into the last slide, where this is now introducing MVB-F1, where success loves speed. We believe that fortune favors the bold in the future, and that's where we continue to go with our F1 strategy. With that, I'd like to thank all our teammates, our board, our members, our communities, our shareholders for your support throughout the years, and we look to have continued success as we move forward. Back to you, Mr. Chairman. Thank you, Larry. I'd like to reiterate, we as a board are very proud of our team and their commitment to, you know, their unwavering commitment to MVB Bank. We appreciate it, and the shareholders recognize that. Thank you all. Larry, I'd also like to personally, on behalf of the board, thank you for your vision and leadership. We appreciate what you're doing, and we see it, and keep up the good work. Do we have any questions related to Larry's presentation? Happy to take questions from the audience. If there are no questions, again, we would like to thank the shareholders for your support of MVB Bank. As Chairman of the board, I will tell you that we are all committed to continuing the strong presence of MVB, and we appreciate your commitment to us. With that, I will call for adjournment of the meeting. Thank you, everyone. This concludes the meeting. You may now disconnect.