|Johnny Lai||Corporate Development and IR|
|Greg Garrabrants||President and CEO|
|Derrick Walsh||EVP and CFO|
|David Feaster||Raymond James|
|Gary Tenner||D.A. Davidson|
|Andrew Liesch||Piper Sandler|
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.