Greg Seward | General Counsel |
Chip Mahan | Chairman and Chief Executive Officer |
Huntley Garriott | President |
Brett Caines | Chief Financial Officer |
Steve Smits | Chief Credit Officer |
Neil Underwood | President |
Jennifer Demba | SunTrust |
Aaron Deer | Piper Sandler |
Ladies and gentlemen, thank you for standing by and welcome to the Fourth Quarter 2019 Live Oak Bancshares Earnings Conference Call. At this time, all participants are in a listen-only mode. [Operator Instructions] I would now like to hand the conference over to your speaker today, Greg Seward, General Counsel of Live Oak Bancshares. Please go ahead, sir.
Thank you and good morning everyone.