Greg Seward | General Counsel |
James Mahan III | Chairman and Chief Executive Officer |
Huntley Garriott | President, Live Oak Bank |
Steve Smits | Chief Credit Officer |
Brett Caines | Chief Financial Officer |
Neil Underwood | President, Live Oak Bancshares |
Jennifer Demba | SunTrust Robinson Humphrey |
Aaron Deer | Sandler O'Neill |
Christopher Marinac | Janney Montgomery Scott |
Good day, ladies and gentlemen. And welcome to the Second Quarter 2019 Live Oak Bancshares Earnings Conference Call. At this time, all participants are in listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions].