Johnny Lai | VP, Corporate Development & IR |
Gregory Garrabrants | President, CEO & Director |
Andrew Micheletti | EVP & CFO |
Austin Nicholas | Stephens Inc. |
Andrew Liesch | Sandler O'Neill + Partners |
Michael Perito | KBW |
Stephen Moss | B. Riley FBR, Inc. |
Scott Valentin | Compass Point Research & Trading |
Edward Hemmelgarn | Shaker Investments |
Thanks for your interest in Axos.
Joining us today for Axos Financial, Inc.'s Third Quarter 2019 Financial Results Conference Call are the company's President and Chief Executive Officer, Greg Garrabrants; and Executive Vice President and Chief Financial Officer, Andy Micheletti. Greg and Andy will review and comment on the financial and operational results for the 3 and 9 months ended March 31, 2019, and they will be available to answer questions after the prepared remarks.
Before I begin, I would like to remind listeners that prepared remarks made on this call may contain forward-looking statements that are subject to risks and uncertainties, and that management may make additional forward-looking statements in response to your questions. These forward-looking statements are made on the basis of current views and assumptions of management regarding future events and performance.