|Johnny Lai||CFA VP, Corporate Development and Investor Relations|
|Greg Garrabrants||Chief Executive Officer|
|Andy Micheletti||Chief Financial Officer|
|Brad Berning||Craig Hallum|
|Steve Moss||B. Riley FBR|
|Edward Hemmelgarn||Shaker Investments|
Greetings and welcome to Axos Financial's First Quarter 2019 Earnings Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Johnny Lai.