Johnny Lai | executive |
Gregory Garrabrants | executive |
Derrick Walsh | executive |
David Feaster | analyst |
Gary Tenner | analyst |
Andrew Liesch | analyst |
Kelly Motta | analyst |
Edward Hemmelgarn | analyst |
Hello, and welcome to the Axos Financial, Inc. Fourth Quarter 2024 Earnings Call and Webcast. [Operator Instructions] As a reminder, this conference is being recorded. It's now my pleasure to turn the conference over to Johnny Lai, Senior Vice President, Corporate Development and Investor Relations. Please go ahead, Johnny.