Chip Mahan | Chairman, Chief Executive Officer |
Kay Anderson | Senior Vice President of Emerging Markets |
Huntley Garriott | President, Live Oak Bank |
Brett Caines | Chief Financial Officer |
Steve Smits | Chief Credit Officer |
Micah Davis | Chief Marketing Officer |
Neil Underwood | President, Live Oak Bancshares |
Greg Seward | General Counsel |
Jennifer Demba | Truist Securities |
Ammar Samma | Raymond James |
Michael Perito | KBW |
Chris Donat | Piper Sandler |
Good morning ladies and gentlemen, and welcome to the Fourth Quarter 2020, Live Oak Bancshares Incorporated Earnings Conference Call. At this time all participants are in a listen-only mode. [Operator Instructions].
As a reminder, this conference call is being recorded. I would now like to turn the conference over to your host Mr.