Johnny Lai | executive |
Gregory Garrabrants | executive |
Derrick Walsh | executive |
Andrew Liesch | analyst |
Timothy Switzer | analyst |
David Chiaverini | analyst |
Gary Tenner | analyst |
Greetings. Welcome to Axos Financial Incorporated's First Quarter 2024 Earnings Call and Webcast. [Operator Instructions] Please note, this conference is being recorded. At this time, I'll turn the conference over to Johnny Lai, Senior Vice President, Corporate Development and Investor Relations. Mr.