|Greg Garrabrants||President and CEO|
|Andy Micheletti||EVP and CFO|
|Andrew Leisch||Piper Sandler|
|Gary Tenner||D.A. Davidson|
|Steve Moss||B. Riley Securities|
|David Hirons||Wedbush Securities|
|Edward Hemmelgarn||Shaker Investments|
Hello and welcome to Axos Financial Q4 2021 Earnings Call and Webcast. At this time, all participants are in a listen-only mode. [Operator Instructions] A question-and-answer session will be follow the formal presentation.
As a reminder, this conference is being recorded. It's now my pleasure to turn the call to Johnny Lai, Investor Relations.