 Axos Financial, Inc. NYSE:AX Q4 2022 Earnings Conference Call August 4, 2022 5:00 PM ET Company Participants Johnny Lai - Corporate Development and IR Greg Garrabrants - President and CEO Derrick Walsh - EVP and CFO Andy Micheletti - EVP-Finance Conference Call Participants David Feaster - Raymond James Gary Tenner - D.A. Davidson Andrew Liesch - Piper Sandler Michael Perito - KBW Operator Good day, ladies and gentlemen, and welcome to your Axos Financial Inc. Fiscal Fourth Quarter 2022 Conference Call. 