Live Oak Bancshares, Inc.

good morning ladies and gentlemen and welcome to the q4 2024 live oak bank shares earnings call at this time all 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 require immediate assistance please press star zero for the operator this call is being recorded on thursday January 23rd, 2025. I would now like to turn the conference over to Claire Parker, Head of Investor Relations. Please go ahead.

Thank you and good morning, everyone. Welcome to Live Oak's fourth quarter 2024 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 that we will reference in the call, please visit our website at investor.liveoakbank.com and go to the events and presentations tab for supporting materials. Our fourth 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, 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 CEO.

Good morning, all. As always, we'll have BJ lead off. On deck will be our CFO, Walt, and then I'll have a comment or two before we head to Q&A. BJ.