 Live Oak Bancshares, Inc. NASDAQ:LOB Q1 2022 Earnings Conference Call April 28, 2022 9:00 AM ET Company Participants Greg Seward General Counsel Chip Mahan Chairman and Chief Executive Officer William Losch Chief Financial Officer Huntley Garriott President Renato Derraik Chief Information and Digital Officer Steve Smits Chief Credit Officer Conference Call Participants Steven Alexopoulos JPMorgan Crispin Love Piper Sandler Michael Perito KBW Jennifer Demba Truist Securities Operator Good day, everyone, and thank you for standing by. Welcome to the First Quarter of 2022 Live Oak Bancshares Earnings Conference Call. 