|Johnny Lai||VP, Corporate Development and IR|
|Greg Garrabrants||President and CEO|
|Andrew Micheletti||EVP and CFO|
|Andrew Liesch||Piper Sandler|
|Steve Moss||B. Riley FBR|
|Gary Tenner||D.A. Davidson|
|Edward Hemmelgarn||Shaker Investments|
Greetings, and welcome to the Axos Financial Fourth Quarter 2020 Financial Results. At this time, all participants are in listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instruction] Please note that this conference is being recorded. I will now turn the conference over to our host, Johnny Lai, Vice President of Corporate Development and Investor Relations.