Live Oak Bancshares, Inc.

good morning ladies and gentlemen and welcome to the live oak bank shares third quarter 2025 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 require immediate assistance please press star 0 for the operator i would now like to turn the conference call over to greg seward general counsel and Chief Risk Officer. Please go ahead.

Thank you. Good morning, everyone. Welcome to Live Oak's third quarter 2025 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 material 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 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 Chief Executive Officer.

Good morning, all, and BJ is going to kick us off.