Emily Lee

“So would you be able to discuss maybe how the bank is approaching investments in specifically technology and AI, And maybe discuss any plans for the utilization of AI down the road, if that's on the internal side or more client-facing side, just any specific use cases and, you know, potential to improve efficiency…”

“So just on the loan growth side, can you maybe dig into which loan categories or geographies are seeing the most strength or bridge demand, and specifically on the national specialty vertical side, which areas are you most excited about?”

“Yeah, so just to touch on Live Oak's business checking initiative, can you just expand a bit more on the progress made? You've been really successful in deepening the relationship with the percentage of customers with both loan and deposit count continuing to move up.”

“So, just to go back to the MIM, I was just wondering what was the exit margin in Q3 and how were deposit rates looking at the end of the quarter, too?”

“So given progress made in commercial banking initiatives and the recruitment of some revenue-producing talent over the last few years and your commentary on remaining opportunistic on the hiring front, can you maybe dive deeper into any incremental investments you plan to make in that area?”