Greg Seward | General Counsel |
James Mahan | Chairman and Chief Executive Officer |
Scott Custer | President, Live Oak Bank |
Neil Underwood | President, Live Oak Bancshares |
Brett Caines | Chief Financial Officer |
Steve Smits | Chief Credit Officer |
Nick Grant | KBW |
Jennifer Demba | SunTrust Robinson Humphrey |
Aaron Deer | Sandler O'neill & Partners LP |
Good day, ladies and gentlemen, and welcome to the Live Oak Bancshares Fourth Quarter 2017 Earnings Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded. I would now like to turn the conference over to Greg Seward, General Counsel from Live Oak Bancshares. Please begin.
Thank you, and good morning, everyone.