Live Oak Bancshares, Inc. (NYSE:LOB) Q4 2020 Earnings Conference Call January 28, 2021 9:00 AM ET Company Representatives Chip Mahan - Chairman, Chief Executive Officer Kay Anderson - Senior Vice President of Emerging Markets Huntley Garriott - President, Live Oak Bank Brett Caines - Chief Financial Officer Steve Smits - Chief Credit Officer Micah Davis - Chief Marketing Officer Neil Underwood – President, Live Oak Bancshares Greg Seward - General Counsel Conference Call Participants Jennifer Demba - Truist ...