Moishe Gubin

Good morning. The meeting will please come to order. I would like to start our meeting by introducing myself to you for the 3 people that might not know who I am. I'm Moishe Gubin, Chairman of Optimum 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 OptimumBank 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 are seen 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, and we'll go from there. All persons entitled to vote as shareholders or as proxies, please give their names to Elliot Nunez, who is 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 OptimumBank Holdings, along with us -- with our officers, who I shall ask to stand upon being introduced. First is Michael Blisko.

Michael Blisko

Good morning.

Moishe Gubin

Avi Zwelling.

Avi Zwelling

Good morning.

Moishe Gubin

Tom Procelli.

Thomas Procelli

Good morning.

Moishe Gubin

Joel Klein.

Joel Klein

Good morning.