 Live Oak Bancshares, Inc. NASDAQ:LOB Q2 202 Earnings Conference Call July 28, 2022 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel Chip Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer Huntley Garriott - President Micah Davis - Chief Marketing Officer Conference Call Participants Steven Alexopoulos - JP Morgan Crispin Love - Piper Sandler Jennifer Demba - Truist Securities Operator Good day and thank you for standing by. Welcome to the Live Oak Bancshares Second Quarter 2022 Earnings Conference call. 