Good day, ladies and gentlemen. Welcome to the Riverview Bancorp, Inc. Annual Meeting. It is now my pleasure to turn the floor over to Jerry Nies, chairman of the board. Please go ahead. Thank you, Krista. Good morning and welcome to the 29th Annual Meeting of Shareholders of Riverview Bancorp. I'm Jerry Nies, Chair of Riverview Bank and Bancorp, and I'll serve as chair of today's meeting. I appreciate you joining us virtually this morning. With that, I'll now call the meeting to order. Shareholders may submit questions at any time during today's meeting through the Ask a Question section of the online platform. We'll review the questions submitted and address them at the end of the meeting. I'd like to begin by introducing Angela McLeod-Wysaske, Vice President, Corporate Secretary, who will serve as secretary of this meeting. Our board of directors and executive officers are also joining us virtually today, and our directors are Bess Wills, Vice President, General Manager, and Co-owner of Gresham Ford. Brad Carlson, CEO of Evergreen Memorial Gardens. [Patcy] Eby, CPA, Doctor, and Retired President and Owner of a public accounting firm. Jon Girod, Owner, Builder, and Developer of Quail Homes. Stacey Graham, retired president of the Humane Society for Southwest Washington and former Banking Executive. Larry Hoff, retired State Legislator and former financial institution CEO. Val Moreno, Chief Information Officer and Chief Information Security Officer at Reed College in Portland, Oregon. Kourosh Zamanizadeh, Co-Founder of Laurel, a venture-backed technology company. Nicole Sherman, CEO and President and Director of Riverview Bancorp and Bank. We are also pleased to have the following representatives joining us virtually today. Our independent audit firm, Aprio, LLP. Riverview's investor relations firm, The IR Group, and our legal counsel, Ballard Spahr. The secretary has received a list of shareholders entitled to vote at today's meeting. The list reflects holders of the company's common stock as of the close of business day on July 1, 2026, the record date for voting and has been provided to the inspectors of election along with the proxies received. The secretary has informed me that the company's records show 20,160,613 shares of common stock were outstanding on the record date and entitled to notice thereof and to vote at this meeting. We also have received an affidavit confirming that the notice of meeting and proxy materials for the annual meeting were mailed on or about July 17, 2026, to each shareholder of record as of the close of business day on July 1, 2026. A copy of the affidavit, notice, and form of proxy will be attached to the minutes of this meeting. The board of directors appointed Ben Lee, Senior Vice President and Controller, Crystal Burlingham, Senior Vice President and Director of Risk Management, to serve as inspectors of election for this meeting and any adjournment. The inspectors will count and examine the votes and their certificate and report will be attached to the minutes of this meeting. The secretary has informed me that substantially more than the majority of the 20,160,613 shares of the common stock entitled to vote are present in person or by proxy. The inspectors are completing the exact count and will provide their formal report during the meeting. Based on that information, I declare that a quorum is present, subject to confirmation by the inspectors in their report. We will waive the reading of the minutes from last year's annual meeting. A copy of those minutes is available if any shareholder would like to review them. There are three items of business before shareholders today as described in the notice of meeting. The first is the election of directors. Four individuals have been nominated. Bess Wills, Larry Hoff, each for a three-year term. Jon Girod, Kourosh Zamanizadeh, each for a one-year term. Because nominations may not be made at the meeting, I now declare nominations closed. The second item is an advisory non-binding vote to approve compensation paid to our named executive officers as disclosed in the proxy statement. The third is approval of the adoption of Riverview Bancorp's 2026 Stock Purchase Plan. If you were a shareholder of record on July 1, 2026, you may vote through the online platform. If you have already voted, you do not need to vote again today. Please note that any vote submitted through the online platform will replace your vote. We will proceed with the vote on the election of directors. If you would like to use the online platform, please do so now. We will pause briefly to allow time for you to vote. Okay. The second item of business is the advisory non-binding vote to approve compensation paid to the company's named executive officers as disclosed in the proxy statement. I will now entertain a motion to submit this proposal to a vote. And a motion has been made by Larry Hoff, seconded by [Patcy] Eby. Thank you very much. We will now proceed to vote on this proposal. Again, we will pause to ensure everyone has an opportunity to vote. The third item of business is the approval of the adoption of Riverview Bancorp's 2026 Stock Purchase Plan as disclosed in the proxy statement. I will now entertain a motion to submit this proposal for a vote. A motion has been received from Bess Wills, and seconded by Val Moreno. We will now proceed with a vote on this proposal. If you would like to vote using the online platform, please do so now, and we will pause briefly to allow time for that. Okay. Thank you to everyone who has voted. I now declare the polls closed on all proposals. While the inspectors complete the vote count, I would like to introduce Nicole Sherman, our CEO and President and Director of Riverview Bank. I would like to add that two years ago, we were extremely fortunate that Nicole accepted our CEO position. It is because of her amazing and constant leadership that Riverview Bank is back on course. Nicole. Thank you, Jerry. Thank you. Little ad- lib there. Appreciate that. Thank you. Good morning, everyone, and welcome to Riverview's Annual Shareholders' Meeting. We are grateful to have our shareholders, board of directors, employees, and guests joining us today. Your unwavering support, confidence, and commitment to Riverview Bank and Riverview Trust Company continue to inspire our progress, strengthen our momentum, and build a strong future together. Also joining us today are Riverview Bank's Executive Vice Presidents, David Lam, Chief Financial Officer, Dan Cox, Chief Operating Officer, Rob Benke, Chief Credit Officer, Charmaine Lightheart, Chief Retail and Digital Engagement Officer, Michael Sventek, Chief Lending Officer, and Riverview Trust Company President and CEO, Evan Sowers. As we discuss Riverview's performance, priorities, and outlook, please keep in mind that today's presentation may include forward-looking statements. These statements are based on current expectations and assumptions and are subject to risk and uncertainties that could cause actual results to differ materially. Riverview remains the only bank headquartered in Vancouver, Washington, just minutes away from many of our Northwest Oregon locations, and that local foundation is a meaningful advantage. Our local decision-making, relationship focus, and community commitment continue to distinguish us in an ever-evolving banking environment. We know our market, we understand our clients, and we are positioned to respond with focus, flexibility, and purpose. For shareholders, Riverview's deeply rooted local deposit base reflects something powerful, the trust our clients, businesses, and the communities place in us. That trust was recently reaffirmed when Riverview Bank and Riverview Trust Company were both named 2026 Best of Clark County by The Columbian. It's an honor that reinforces the strength of our brand, the loyalty of our clients, the engagement of our team, and the value of our community-focused model. This year, as we continued delivering on our strategic plan with discipline and intention, a year and a half ago, our leadership team came together with our board of directors and created a dynamic plan centered on ensuring that our employees, clients, communities, and shareholders are all seen, heard, and valued. That commitment is more to us than just a statement. It's a framework for how we prioritize investments, evaluate opportunities, strengthen relationships, and build long-term value. It supports our vision to be the preferred place to bank and work in the Pacific Northwest. Our strategic plan is centered on five connected priorities. Employer of choice, profitable growth, client experience, data empowerment, and digital experience. Engaged employees, as you know, create strong client relationships. Reliable data leads to informed decisions. Digital investments improve convenience, efficiency, and competitiveness. Disciplined growth strengthens our company. Together, these priorities provide a roadmap for sustainable performance and long-term shareholder value. Our people at Riverview are difference makers. Delivering on the employer of choice priority, we continued investing in employees' culture and leadership depth. We introduced the People First HR platform, proposed an employee stock purchase plan for shareholder approval, defined career tracks, and expanded development through the launch of Riverview University and other programs. Developing our people is an investment in our clients, our culture, and our long-term ability to grow responsibly. Governance also remains an important part of how we support the company's long-term direction. During the year, we added two new board directors with deep community, business, technology, and financial expertise. That perspective strengthens oversight, supports strategic decision-making, and ensures that Riverview continues to evolve while staying grounded in the values and community commitment that have long defined our company. Focusing on the priority of profitable growth, we remain centered on disciplined delivery, balance sheet optimization, and long-term shareholder value. That commitment was reflected in the operating decisions made all across the company this past year and by our executive team who chose to forgo cash incentives and forfeit equity incentives to align leadership actions with shareholder interests and long-term performance. Delivering on our digital experience priority, we enhanced the digital banking experience through a redesigned modern interface, launched a digital account opening initiative, and improved budgeting tools with real-time access to departmental budgets and spend rates. These investments are empowering clients to bank how and when they prefer, while also giving our teams better tools to serve them effectively. We also advanced our data empowerment priority. During the year, we hired Chief Information Officer Rob Mills, and under his direction, launched an AI work group to help Riverview thoughtfully engage in the use of artificial intelligence across the company. This work is focused on improving efficiency, supporting our teams, strengthening fraud and risk prevention, and enhancing the client experience. Better information leads to better decisions, and our goal is to give leaders and teams clearer insight into client relationships, operating trends, performance drivers, and growth opportunities. Our client experience at Riverview is essential as we deepen relationships across commercial and business banking, wealth management, and branch banking. We've improved treasury management digital capabilities, launched a new Riverview Trust Company website, expanded commercial and industrial lending, created a dedicated business banking team, and broadened products and relationship support across the entire company. This progress reflects the trust clients place in Riverview and reinforces the relationship-based model that remains central to our future. Community is at the heart of Riverview and remains one of our greatest strengths. Across every market we serve, our terms engage with energy, pride, and purpose, supporting local businesses, nonprofit organizations, schools, and community initiatives in meaningful ways. Many of our employees give of their time and expertise through volunteer service or board leadership or committee work, civic engagement, and countless acts of service. That involvement deepens our local knowledge, strengthens relationships, and reinforces the role Riverview plays in helping grow our communities. When our communities thrive, we all thrive. That strengthens our clients, energizes our team, supports our business, and creates long-term value for shareholders. With our people, our community, shareholders, and stakeholders behind us, Riverview is well-positioned for the opportunities ahead. Before we discuss the future, I would like to invite David Lam, our Executive Vice President and Chief Financial Officer, to review Riverview's fiscal year 2026 financial performance. Mr. Lam, over to you. Thank you, Nicole, and thank you to everyone joining us this morning. Riverview is moving forward with momentum after our strategic balance sheet optimization. In the March 2026 quarter, we sold $149.3 million in lower-yielding investment securities with an average yield of 1.62%, resulting in an estimated pre-tax loss of $11.4 million. We took a targeted approach, balancing proceeds against the impact of book value so we could reposition the balance sheet with discipline. While the transaction drove the reported net loss in the quarter and fiscal year, it also positioned us for stronger earnings ahead. We deployed approximately $50 million into higher-yielding bonds with an average rate of approximately 5%. On a non-GAAP basis, which excludes the impact from the balance sheet optimization, net income would have been $4.4 million compared to the reported net loss of $4.3 million. The delivery of our balance sheet optimization strategy is working, and we are already seeing the benefits in higher net interest income and net interest margin expansion. Riverview generated positive net income through the most recent quarter ending June 30, 2026. Quarterly earnings have also continued to build since March 2025, reaching $1.7 million in net income for the June 2026 quarter. Riverview continues to be focused on achieving a normalized return on average asset and return on average equity for all stakeholders. Pre-tax, pre-provision income before the strategic balance sheet optimization gives us a clearer view of the progress building in our core earnings. This shows the earnings we generated before allowing for credit losses, taxes, and one-time events such as the balance sheet optimization. The trend is encouraging. On this non-GAAP measure, net income increased year-over-year and improved each quarter since March 2025. That steady progress shows our actions are gaining traction, our earnings are strengthening, and Riverview is entering its next phase with confidence and energy. Riverview continues to expand its net interest income, which increased 11% year-over-year and nearly 24% from March of 2025 to June of 2026. This demonstrates the strength of our business model and the progress we are making quarter by quarter. We are growing the business, generating stronger interest income, and managing funding costs with discipline. This progress shows our strategy is taking hold and our teams are delivering. Riverview continues to make steady gains in its loan portfolio, driven by the focus and commitment of our teams. Their work is strengthening client relationships, identifying new opportunities, and supporting borrowers across the communities we serve. At June 30th, our loan portfolio remained over $1 billion. That portfolio increased by nearly $104 million from March 31st of 2022 to June 30th of 2026, with growth across all major categories. Overall, loans grew approximately 10% over the period shown, a strong sign that our teams are performing and our clients continue to choose Riverview. Our loan pipeline is one of the strongest it has been in recent periods, rising from $53 million in March of 2025 to $94 million in June of 2026. The growth in the pipeline reflects the continued loan demand in our market areas and the amazing work our teams are doing to continue to source these opportunities. Deposits reached $1.26 billion at June of 2026, which has grown since March of 2025, reflecting the strength of our relationship team. Our deposit base is more than a source of funding. It reflects the trust clients place in Riverview and the relationship we have earned over time. By focusing on relationship banking, listening to our clients, and offering full service solutions across lending, deposits, and treasury management, our teams continue to attract new depositors. As of June 30, 2026, Riverview remains in a strong liquidity position with nearly $800 million of available liquidity, representing approximately 62% of total deposits. This gives us significant flexibility to support clients, fund future growth, and respond to changing market conditions. Our liquidity is diversified across multiple reliable sources, and liquidity remains a major strength for Riverview. Asset quality remains a key priority for our lending and credit administration teams. While non-performing assets increased from historically low levels due to certain monitored relationships, the overall level remained low at under 1% of total loans. We are watching these credits closely, staying proactive in our oversight, and working towards resolution while maintaining a disciplined credit culture that supports Riverview's strong portfolio. Our allowance for credit losses provides meaningful support for the loan portfolio at 1.4% of total loans. We actively monitor economic conditions, portfolio trends, and the current operating environment to stay ahead of potential credit risk. This disciplined approach, combined with strong allowance coverage, gives us confidence in Riverview's ability to manage through changing conditions while continuing to support clients and protect the balance sheet. Riverview continues to remain well capitalized with a total capital ratio of 15.64%. Additionally, Riverview did not require any additional capital in delivering our balance sheet optimization strategy. Our capital position continues to strengthen with an increasing total capital and leverage ratio. This strong capital base gives us flexibility to grow, support our communities, and deploy capital in ways that enhance shareholder value. Returning capital to shareholders remains an important part of Riverview's commitment to enhancing shareholder value. We have approved a dividend for 46 consecutive quarters, reflecting our consistent focus on shareholder return. We have also successfully repurchased common stock through our stock repurchase program. As shown here, Riverview has completed two stock repurchase plans, allowing us to return capital that is accretive to shareholders. Yesterday, we announced that our board approved a new $4 million stock repurchase program, further supporting our focus and commitment to total shareholder return. I will turn the meeting back over to our CEO and President, Nicole Sherman. Thank you, David. Great work as usual. As we look to the road ahead, Riverview's future is bright and our priorities remain clear. We will continue growing by looking at our market opportunities, deepening core client relationships, adding tools for emerging affluent and wealth management, expanding commercial and business banking partnerships, increasing treasury management adoption, and earning additional primary banking relationships. At Riverview, we are committed when we say, "Your team, our team, dream team." We will also continue investing in digital tools, automation, cybersecurity, process improvements, talent development, and data-driven insights to strengthen Riverview's client experience, operating discipline, and capacity for growth. At the same time, we remain focused with a strong risk and compliance culture, sound credit administration, responsible governance, and thoughtful stewardship of the resources entrusted to us. All of that honors the confidence of our clients and shareholders while pursuing growth from a position of strength. As I close, I want to thank our shareholders for your continued confidence in Riverview and the future we are building together. What matters to you matters to us. We are making meaningful progress and are confident in our ability to achieve the level of performance Riverview is capable of delivering. We remain focused on providing the financial performance you expect from a strong community bank, sustainable earnings, disciplined profitability, thoughtful revenue growth, careful expense management, sound credit quality, and long-term value creation. I also want to thank our teams throughout Riverview, whose dedication, service, and commitment to our clients and our communities made this year's achievements possible. Those results reflect the strength of our strategy, the guidance of our board, and the trust our clients and communities place in us every day. I am especially proud of the majority of our leadership team and board who have personally invested in Riverview stock, underscoring their confidence in our direction and shared commitment to long-term value. We have the right team, the right strategy, and a strong community banking foundation. I am optimistic about the opportunities ahead and confident that Riverview is well-positioned to continue growing stronger, serving with purpose, and creating lasting value for our employees, clients, communities, shareholders, and all stakeholders. With that, I will now turn the meeting back over to our esteemed board chair, Jerry Nies. Thank you, Nicole and David. Now we want to address the shareholder questions that may have come up. Then I'll ask Angela to tell us what we have. Mr. Chair, there are no questions. No questions? Nope. [crosstalk] Guess we're doing a great job. The inspectors now have completed their count. The report of inspectors confirm that a quorum is and has been in attendance for the meeting for all purposes. It shows that the following individuals have been duly elected directors of Riverview Bancorp: Bess Wills, Larry Hoff, each for a three-year term, Jon Girod, and Kourosh Zamanizadeh, each for a one-year term. The report also shows that item number two, the advisory non-binding vote to approve executive compensation, has received a majority of the votes cast. Finally, the report shows that item three, the adoption of the Riverview Bancorp, Inc. 2026 Stock Purchase Plan, as disclosed in the proxy, has received a majority of votes. The report of inspectors has been accepted and approved and will be attached to the minutes of this meeting. Thank you for attending the meeting today. There being no further business to come before the meeting, this meeting is now adjourned. Ladies and gentlemen, this concludes the meeting. Thank you for your participation, and you may now disconnect.