Gregory Seward | executive |
James Mahan | executive |
Walter Phifer | executive |
Steven Alexopoulos | analyst |
William C. (BJ) Losch III | executive |
Brandon King | analyst |
Michael Perito | analyst |
Good morning, ladies and gentlemen, and welcome to the Live Oak Bancshares Q4 Earnings Conference Call. [Operator Instructions] This call is being recorded on Thursday, January 25, 2024. I would now like to turn the conference over to Greg Seward, Chief General Counsel and Chief Risk Officer. Please go ahead.
Thank you and good morning, everyone.