Johnny Lai | CFA VP, Corporate Development & IR |
Gregory Garrabrants | President & CEO |
Andrew Micheletti | EVP & CFO |
Brad Berning | Craig Hallum |
Austin Nicholas | Stephens |
Michael Perito | KBW |
Gary Tenner | D.A. Davidson & Company |
Edward Hemmelgarn | Shaker Investments |
Ladies and gentlemen, greetings and welcome to Axos Financial Second Quarter 2019 Earnings Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. It is now pleasure to introduce your host, Johnny Lai, VP, Corporate Development & IR.