Johnny Lai | Senior Vice President-Corporate Development and Investor Relations |
Greg Garrabrants | President and Chief Executive Officer |
Derrick Walsh | Executive Vice President and Chief Financial Officer |
Andy Micheletti | Executive Vice President-Finance |
David Feaster | Raymond James |
Andrew Liesch | Piper Sandler |
Gary Tanner | D.A. Davidson |
Edward Hemmelgarn | Shaker Investments |
Michael Perito | KBW |
Greetings. Welcome to the Axos Financial, Inc. Q3 2022 earnings call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation.