Greg Seward | General Counsel |
James Mahan | Chairman and CEO |
Neil Underwood | President, Live Oak Bancshares |
Scott Custer | President, Live Oak Bank |
Steven Caines | CFO |
Steven Smits | CCO |
Aaron Deer | Sandler O'Neill |
Jennifer Demba | SunTrust |
Aaron Deer | Sandler O'Ne |
Good day, ladies and gentlemen, and welcome to the Second Quarter 2018 Live Oak Bancshares Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded. I would like to introduce your host for today's conference, Mr. Greg Seward, General Counsel of Live Oak Bancshares. Sir, Please go ahead.