MVB Financial Corp. is a bank holding company for MVB Bank, Inc. (the Bank). The Bank is engaged in community banking. The Bank’s primary business activities, through its subsidiaries, are community banking, mortgage banking, insurance services, and wealth management. As a community banking entity, the Bank offers its customers a range of products through various delivery channels. On operational basis, the Bank’s activities are: commercial and retail banking services; mortgage banking services; and insurance services. Revenue from commercial and retail banking activities consists primarily of interest earned on loans and investment securities and service charges on deposit accounts. Revenue from the mortgage banking activities is comprised of interest earned on loans and fees received as a result of the mortgage origination process. Revenue from insurance services is comprised of fees related to insurance services transactions.