Live Oak Bancshares, Inc.

Ladies and gentlemen, and welcome to the Q3 2020 Bank Shares, Inc. Earnings Conference Call. At this time, all participants are in a living room. We will conduct a question and answer session, and instructions will follow at that time. If anyone should require assistance during the conference, please press star then zero on your touchtone telephone. As a reminder, this conference call is being recorded. I would now like to turn the conference over to your host, Freda. General Calls Live Oak Banking Shares. Sir, please go ahead.

Thank you. Good morning, everyone. Welcome to Live Oak's third quarter 2021 earnings conference call. We are webcasting live over the internet, and this call is being recorded. To access the call over the internet and review the presentation materials and commentary that we will reference on the call, please visit our website at investor.liveoaksbank.com and go to today's call on our event calendar for supporting materials. Our third quarter earnings release is also available on our website. Before we get started, I would like to caution you that we may make forward-looking statements during today's call that are subject to risks and uncertainties. Factors that may cause actual results to differ materially from our expectations are detailed in the materials accompanying this call and in our SEC filings. We do not undertake forward-looking statements to reflect the impact of circumstances or events that may arise after the date of today's call. Information about any non-GAAP financial measures referenced, including reconciliation of those measures to GAAP measures, can also be found in our SEC filings and in the presentation materials and commentary. I will now turn the call over to Chip Mahan, our chairman and chief executive officer.

Thanks, Greg, and good morning to all. For today's kickoff of our best quarter ever, I would be remiss if I failed to acknowledge that this is our first call since we went public without Brett Gaines. My euphoria over Brett's ability to scratch his entrepreneurial itch is only matched by my excitement of being in business with B.J. Loesch, who is responsible for this prezo and will take over very shortly. With that, Steve, you and I always talk about safety and soundness, and I was thinking this morning that we have been in the lending business for over 85 years collectively. Tell us what you think.