Johnny Lai | Vice President of Corporate Development and Investor Relations |
Greg Garrabrants | President & Chief Executive Officer |
Andy Micheletti | Executive Vice President & Chief Financial Officer |
Andrew Liesch | Piper Sandler |
Gary Tenner | D.A. Davidson |
Michael Perito | KBW |
David Chiaverini | Wedbush Securities |
Greetings, and welcome to Axos Financial's Second Quarter 2021 Earnings Results Conference Call. At this time, all participants are in listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instruction] Please note, this conference is being recorded. I would now like to turn the conference over to your host, Johnny Lai, Vice President of Corporate Development and Investor Relations.