MVB Financial Corp. (MVB) is a bank holding company for MVB Bank, Inc. (the Bank). MVB is engaged in community banking. As a community banking entity, MVB offers its customers a full range of products through various delivery channels. Such products and services include checking accounts, negotiable order of withdrawal (NOW) accounts, money market and savings accounts, time certificates of deposit, commercial, installment, commercial real estate and residential real estate mortgage loans, debit cards, and safe deposit rental facilities. Services are provided through its walk-in offices, automated teller machines (ATMs), drive-in facilities, and Internet and telephone banking. In addition, MVB offers non-deposit investment products through an association with a broker-dealer. MVB�s primary market areas are the Marion, Harrison, Jefferson and Berkeley Counties of West Virginia. As of December 31, 2011, MVB operated six offices.