Q4 2019 Axos Financial Inc Earnings Call Transcript
Greetings, and welcome to Axos Financial Fourth Quarter 2019 Earnings Call. (Operator Instructions) As a reminder, this conference is being recorded.
I would now like to turn the conference over to Johnny Lai, Vice President, Corporate Development and IR. Thank you. Please begin.
Great. Thank you. I'd like to welcome everyone to Axos Financial, Inc.'s Fourth Quarter and Fiscal Year 2019 Financial Results Conference Call. With me today are the company's President and Chief Executive Officer, Greg Garrabrants; and Executive Vice President and Chief Financial Officer, Andy Micheletti. Greg and Andy will review and comment on the financials and operational results for the 3 and 12 months ended June 30, 2019, and they will be available to answer questions after the prepared remarks.
Before I begin, I'd like to remind listeners that prepared remarks made on this call may contain forward-looking statements that are subject to risks and uncertainties and that management may
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