Mark Elste

Good day, ladies and gentlemen. My name is Mark Elste, Chairman of CIB Marine Bancshares. I would like to call this Annual Meeting of Shareholders to order, and welcome all participating today.

Copies of this presentation are available on our website at cibmarine.com by clicking the 2026 Annual Meeting link at the top of the page.

Before we proceed further, I wish to inform all participants in today's meeting that statements made during this presentation may contain forward-looking information. Forward-looking statements are subject to significant risks and uncertainty, and actual results may differ materially. Please see Slide #3 for forward-looking statement information.

We have segmented our presentation into 3 parts. First, we will conduct the official business of the annual meeting. After adjourning the official meeting, the company's CEO, Mr. Chaffin, will review the financial results of 2025 and the unaudited results for the first quarter of 2026. Thereafter, I will offer comments on behalf of the Board concerning issues facing the company. Finally, we will address the questions submitted by shareholders.

Now on to the proposals properly tendered for today's annual meeting. I have been advised by the Secretary of the company that the notice of meeting has been duly mailed and that a quorum is present for the topics to be considered with over 80% of the shares represented by proxy as of the start of the meeting. The final tally will be tabulated and included with the minutes of the meeting after adjustments for any additional proxies received.

We are holding our Annual Shareholder Meeting virtually again this year. This format significantly reduces costs while ensuring all shareholders, regardless of location, have full