|Johnny Lai||Vice President, Investor Relations & Corporate Development|
|Gregory Garrabrants||President & Chief Executive Officer|
|Andrew Micheletti||Executive Vice President, Finance|
|Derrick Walsh||Executive Vice President & Chief Financial Officer|
|Andrew Leisch||Piper Sandler|
|Steve Moss||B. Riley Securities|
0:09 Greetings. Welcome to Axos Financial, Inc. Q2 2022 Earnings Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation.