Greetings, and welcome to the Dow First quarter 2025 earnings conference call. (Operator Instructions) As a reminder, this conference is being recorded. I will now turn it over to Dow Investor ...

Greg Seward; Chief Risk Officer and General Counsel; Live Oak Bancshares Inc James Mahan; Chairman and Chief Executive Officer; Live Oak Bancshares Inc William Losch; President, President of Live Oak ...