Greg Seward | General Counsel |
James Mahan | Chairman and CEO |
Neil Underwood | President, Live Oak Bancshares |
Scott Custer | President, Live Oak Bank |
Brett Caines | CFO |
Aaron Deer | Sandler O'Neill & Partners LP |
Good day ladies and gentlemen and welcome to -- pardon me. Thanks for calling ladies and gentlemen and welcome to the Q1 2018 Live Oak Bancshares Inc. Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we'll conduct a question-and-answer session and instructions will follow at that time.