Chip Mahan | Chairman, Chief Executive Officer |
Huntley Garriott | President, Live Oak Bank |
Neil Underwood | President, Live Oak Bancshares |
Brett Cains | Chief Financial Officer |
Steve Smits | Chief Credit Officer |
Greg Seward | General Counsel |
Jennifer Demba | SunTrust |
Aaron Deer | Sandler O’Neill |
Good day ladies and gentlemen and welcome to the Q3 2018 Live Oak Bancshares Inc. earnings conference call. At this time, all participants are in a listen-only mode. Later we will conduct a question and answer session and instructions will follow at that time. If anyone should require operator assistance, please press star then zero on your touchtone telephone.