Johnny Lai | Corporate Development and IR |
Greg Garrabrants | President and CEO |
Derrick Walsh | EVP and CFO |
Andy Micheletti | EVP-Finance |
David Feaster | Raymond James |
Gary Tenner | D.A. Davidson |
Andrew Liesch | Piper Sandler |
Michael Perito | KBW |
Good day, ladies and gentlemen, and welcome to your Axos Financial Inc. Fiscal Fourth Quarter 2022 Conference Call. [Operator Instructions] As a reminder today's call is being recorded. [Operator Instructions] At this time, it is my pleasure to turn the floor over to your host, Johnny Lai, Corporate Development and IR. Sir, the floor is yours.