 Live Oak Bancshares, Inc. NASDAQ:LOB Q3 2022 Earnings Conference Call October 27, 2022 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer Huntley Garriott - President Neil Lawrence - President Director Conference Call Participants Steven Alexopoulos - JPMorgan Crispin Love - Piper Sandler Michael Perito - KBW Operator Thank you for standing by, and welcome to Live Oak Bancshares Third Quarter 2022 Earnings Conference Call. Operator Instructions I would now like to hand the conference over to General Counsel and Chief Risk Officer at Live Oak Bank, Greg Seward. 