Johnny Lai | VP, Corporate Development and IR |
Greg Garrabrants | President and CEO |
Andrew Micheletti | EVP and CFO |
Andrew Liesch | Piper Sandler |
Michael Perito | KBW |
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.