Greg Seward | General Counsel |
James Mahan III | Chairman and Chief Executive Officer |
Huntley Garriott | President, Live Oak Bank |
Brett Caines | Chief Financial Officer |
Steve Smits | Chief Credit Officer |
Neil Underwood | President |
Aaron Deer | Sandler O'Neill |
Jennifer Demba | SunTrust Robinson Humphrey |
Ladies and gentlemen, thank you for standing by and welcome to the Live Oak Bancshares Incorporated Third Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. [Operator Instructions] I would now like to hand the conference to your speaker today, Greg Seward General Counsel of Live Oak Bancshares. Please go ahead, sir.
Thank you and good morning everyone.