Live Oak Bancshares, Inc.

Good morning, ladies and gentlemen, and welcome to the Q3 2020 Live Oak Bank Shares Earnings Conference Call. At this time, our lines are in 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 zero for the operator. This call is being recorded on Thursday, October 24th, 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 third quarter 2024 earnings conference call. We're webcasting live over the internet and this call is being recorded. To access the call over 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 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 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, It can also be found in our SEC 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. As we did last time, B.J. is going to kick things off. He will then turn things over to Walt, who will dig into the details on the quarter. I'll make a comment or two before we go to Q&A, and we'll dig in on your questions at the end.