 Axos Financial, Inc. NYSE:AX Q1 2023 Earnings Conference Call October 27, 2022 5:00 PM ET Company Participants Johnny Lai - Corporate Development Investor Relations Greg Garrabrants - President Chief Executive Officer Derrick Walsh - Executive Vice President Chief Financial Officer Andy Micheletti - Executive Vice President of Finance Conference Call Participants Gary Tenner - D.A. Davidson Andrew Liesch - Piper Sandler David Feaster - Raymond James Michael Perito - KBW Edward Hemmelgarn - Shaker Investments Operator Greetings. 