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Operator: Greetings and welcome to First Republic Bank s Fourth Quarter and Full Year 2022 Earnings Conference Call. Today s conference is being recorded.

Mike ioanilliOlga tsokovaFerran fusalba rosellSteven alexopoulosMike selfridgeJim herbertMike rofflerNeal hollandBob thorntonFirst republic bankFirst republic bank fourth quarterFirst republic bank sf newCall transcript januaryFourth quarterFull yearVice president