 Axos Financial, Inc. NYSE:AX Q3 2022 Earnings Conference Call April 28, 2022 5:00 PM ET Company Participants Johnny Lai Senior Vice President-Corporate Development and Investor Relations Greg Garrabrants President and Chief Executive Officer Derrick Walsh Executive Vice President and Chief Financial Officer Andy Micheletti Executive Vice President-Finance Conference Call Participants David Feaster Raymond James Andrew Liesch Piper Sandler Gary Tanner D.A. Davidson Edward Hemmelgarn Shaker Investments Michael Perito KBW Operator Greetings. 