Live Oak Bancshares, Inc. (NYSE:LOB) Q4 2021 Earnings Conference Call January 26, 2022 8:30 AM ET Company Participants Greg Seward – Executive Vice President and General Counsel Chip Mahan – Chairman and Chief Executive Officer William Losch – Chief Financial Officer Huntley Garriott – President Neil Underwood – President Conference Call Participants Jennifer Demba – Truist Securities Steven Alexopoulos – JPMorgan Michael Perito – KBW Chris Donat – Piper Sandler Greg Seward Thank you, and good morning, ever ...