MVB Financial Corp. (MVBF) Shareholder/Analyst Call Prepared Remarks Transcript

Operator

Hello, and welcome to the 2026 Annual Meeting of Shareholders of MVB Financial Corp. Please note that today’s meeting is being recorded. It is my pleasure to turn today’s meeting over to Dr. Kelly Nelson, Chairman of MVB Financial Corp.’s Board of Directors. Chairman Nelson, you may begin.

Kelly Nelson

Good morning, everyone. Thank you for joining us today. It is my pleasure on behalf of the Board of Directors of MVB Financial Corp. to welcome you to the Annual Shareholders Meeting. As Chairman of MVB Financial Corp., I am pleased to be presiding at today’s meeting. Members of our Board of Directors and management team are attending the meeting virtually today. As you may know, Marty Becker recently retired as Chair and I was elected to chair. We certainly will miss Marty’s intellect, his gentle demeanor, his patience, his leadership and his mentorship. Even more special is that we get to keep his friendship and the lessons we learned from him.

Marty, from the entire Board and management team, a sincere thank you for your years of service. If you are a registered shareholder and have logged on to this meeting with a valid control number, you will be able to vote and ask questions about the proposals during the meeting. You may submit questions by entering your question into the designated field on the web portal. I will address questions if there are any about the proposals after they are presented. I have a copy of the notice of this annual meeting and an affidavit of Computershare, the registrar and transfer agent for our common stock, as to the notice of the meeting, which states that on April 17, 2026, a notice of