Greg Seward | General Counsel |
Chip Mahan | Chairman and CEO |
Huntley Garriott | President, Live Oak Bank |
Neil Underwood | President, Live Oak Bancshares |
Steve Smits | Chief Credit Officer |
Brett Caines | CFO |
Jennifer Demba | SunTrust |
Aaron Deer | Sandler O'Neill |
Christopher Marinac | FIG Partners |
Good day, ladies and gentlemen, and welcome to Live Oak Bancshares' Quarter One 2019 Earnings Conference Call. [Operator Instructions] As a reminder, today's conference call is being recorded. I'd now like to turn the call over, Greg Seward, General Counsel of Live Oak Bancshares.
You may begin.
Thank you, and good morning, everyone.