OptimumBank Holdings, Inc.

Good morning. The meeting will please come to order. I would like to start our meeting by introducing myself to you, for the three people that might not know who I am. I'm Moshe Gubin, chairman of Optum Bank Holdings, and I will act as chairman of this meeting. I would like to extend to you a cordial welcome to the annual meeting of the shareholders of Optum Bank Holdings Inc. A quick reminder, we may be making forward-looking statements. These are based on current expectations, but actual results may differ. Please review the full language on this slide for more detail. Our agenda for today, our scene on the screen, an introduction of the board members. We'll go through the agenda, and at the end, we'll have questions open for the people listening. We'll go from there. All persons entitled to vote as shareholders or as proxies, please give their names to Elliot Nunez, who's acting secretary, and file their proxies with the acting secretary if they have not already done so. I'd like to introduce the other directors of Optimec Holdings along with our officers whom I shall ask to stand upon being introduced. First is Michael Bliscoe. Good morning. Avi Zwelling. Good morning. Tom Percelli.

Good morning.

Joel Klein. Good morning. Steve Newman. Good morning. Management President and CEO Tim Terry. Good morning. And our delightful CFO Elliot Nunez. In the back of the room over there, we have Chief Lender, Jenny, we got the Chief Credit Officer, Ryan, and we got the COO, Ari, and our HR, previously marvelous, sometimes more than marvelous, Mary Franco sitting in my chair. I hereby appoint Elliot Nunez as Inspector of Election, and I will now call upon Mr. Nunez to present proof of the calling of the meeting of shareholders.