Greg Seward | General Counsel, Live Oak Bancshares |
Chip Mahan | Chairman and 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 |
Jennifer Demba | SunTrust |
Aaron Deer | Sandler O'Neill |
Good day, ladies and gentlemen. And welcome to the Quarter Four 2018 Live Oak Bancshares Incorporated 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. [Operator Instructions] As a reminder, this will be recorded.