Johnny Lai | Executive Vice President, Corporate Development and Investor Relations |
Greg Garrabrants | President, Chief Executive Officer and Director |
Derrick Walsh | Executive Vice President, Vice President and Chief Financial Officer |
Andrew Liesch | Piper Sandler |
David Feaster | Raymond James |
Gary Tenner | D.A. Davidson |
David Chiaverini | Wedbush Securities |
Edward Hemmelgarn | Shaker Investments |
Good afternoon. And welcome to the Axos Financial Third Quarter 2023 Earnings Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] Please note that this conference is being recorded.