Gregory Seward | EVP & General Counsel |
Chip Mahan | Chairman & CEO |
Neil Underwood | President & Director |
Huntley Garriott | President, Live Oak Banking Company |
Steven Caines | CFO |
Steven Smits | Chief Credit Officer |
Jennifer Demba | Truist Securities |
Christopher Donat | Piper Sandler & Co. |
Ammar Samma | Raymond James & Associates |
Ladies and gentlemen, thank you for standing by, and welcome to the Quarter 3 2020 Live Oak Bancshares, Inc. Earnings Conference Call. [Operator Instructions]. I would now like to hand the conference over to your speaker today, Greg Seward, General Counsel. Thank you.