Johnny Lai | Vice President-Corporate Development and Investor Relations |
Greg Garrabrants | President and Chief Executive Officer |
Andy Micheletti | Executive Vice President and Chief Financial Officer |
Brad Berning | Craig Hallum |
Andrew Liesch | Sandler O'Neill |
Michael Perito | KBW |
Scott Valentin | Compass Point Research |
Edward Hemmelgarn | Shaker Investment |
Nick Duafala | B. Riley FBR |
Gary Tenner | D.A. Davidson |
Greetings and welcome to Axos Financial, Inc.'s Fourth Quarter 2019 Earnings Call. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference to Johnny Lai, Vice President-Corporate Development and IR. Thank you. Please begin.