Live Oak Bancshares, Inc.

Good morning, ladies and gentlemen, and welcome to the Q2 2024 Live Oak Bank Shares Earnings Conference Call. At this time, all lines are in a listen-only mode. Following the presentation, we will conduct a question-and-answer session. If at any time during this call you need assistance, please press star 0 for the operator. This call is being recorded on Thursday, July 25, 2024. I would now like to turn the conference over to Greg Seward, General Counsel and Chief Risk Officer. Please go ahead.

Thank you, and good morning, everyone. Welcome to Live Oak's second quarter 2024 earnings conference call. We're a webcasting library on the internet, and this call is being recorded. To access the callers on the internet and review the presentation materials that we will reference on the call, please visit our website at investor.liveoakbank.com and go to the events and presentations tab for supporting materials. Our second 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 undertake to update the 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, and also be found in our SSU filings and in the presentation materials. I will now turn the call over to Chip Mahan, our chairman and chief executive officer.

Good morning, everyone, and we're excited to tell you about our second quarter performance. Firstly, to use a baseball analogy, I'm instituting a lineup change. Appropriately, B.J. Loesch, our president, will be our leadoff batter today, while Pfeiffer, our CFO, will be on deck. And even more appropriately, I will be in the hole to wrap things up before the Q&A. BJ?