Axos Financial, Inc.

Greetings and welcome to the Axos Financial's second quarter 2020 earnings results conference call. At this time, all participants are in listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. As a reminder, this conference is being recorded. It's now my pleasure to introduce your host, Johnny Lai. Please go ahead.

Thank you, and good afternoon, everyone.

Joining us today for AXO's Financial Links second quarter financial results conference call are the company's President and Chief Executive Officer, Greg Gerbrandt, and Executive Vice President and Chief Financial Officer, Andy Micheletti. Greg and Andy will review and comment on our financial and operational results for the second quarter, and they will be available to answer questions after the prepared presentation. Before we begin, I would like to remind listeners that a pair of remarks made on this call may contain forward-looking statements that are subject to risks and uncertainties, and that management may make additional statements in response to your questions. Therefore, the company claims the protection from the safe harbor for forward-looking statements that is contained in the Private Securities Litigation Reform Act of 1995. Forward-looking statements related to the business of Axios Financial Inc. and its subsidiaries can be identified by common use forward-looking terminology, and those statements involve unknown risks and uncertainties, including all business-related risks that are more detailed in a company's filings on Form 10-K, 10-Q, and 8-K with the SEC. This call is being webcast, and there will be an audio replay available for 30 days in the Invest Relations section of the company's website located at accessfinancial.com. All the details of this call were provided on the conference call announcement and in today's press release. At this time, we'd like to turn the call over to our CEO, Greg Garagrantz, who will provide opening remarks. Greg, please begin.