William Bruss
CEO, President, General Counsel & Secretary

Good morning, and welcome to the Annual Meeting of Shareholders of Waterstone Financial, Inc. My name is Bill Bruss, President, Chief Executive Officer and Secretary of Waterstone Financial, Inc. and WaterStone Bank and the Secretary of the annual meeting. Through the course of today's meeting, you will hear me refer to Waterstone Financial, Inc. as "The Company." The company's 2026 annual meeting is being conducted virtually by webcast and audio conference. The annual meeting will please come to order.

Participating with me at the meeting is Mark Gerke, Chief Financial Officer and Executive Vice President of the Company and WaterStone Bank.

I would like to welcome the directors of the company in attendance at the Annual Meeting: Patrick Lawton, Chairman; Ellen Bartel; Douglas Gordon; Molly Mulroy; Laura Piotrowski; Stephen Schmidt and Derek Tyus.

We have made available on the virtual meeting site the agenda and the rules of conduct for the meeting. If you would like to discuss a matter not on the agenda, I encourage you to contact an officer or director of the company after the meeting. We provided an opportunity to shareholders to submit questions in advance of the annual meeting, and questions will be addressed by management prior to adjournment.

Although we will take a vote on the matters to be considered at the annual meeting in a few moments, any registered shareholder wishing to vote their proxy may do so electronically during the meeting. If you have already voted your proxy or proxies, you need not vote again unless you wish to make a change.