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Operator Ladies and gentlemen, thank you for standing by, and welcome to the SVB Financial Group Fourth Quarter 2020 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers presentation, there will be a question-and-answer session. [Operator Instructions] And now I d like to hand the conference over to your speaker today, Ms. Meghan O Leary, SVB Head of Investor Relations. Please go ahead. Meghan O Leary Head of Investor Relations Thank you, Gabriel, and thank you, everyone for joining us today. Our President and CEO, Greg Becker and our CFO, Dan Beck are here to talk about our fourth quarter and full year 2021 financial results and will be joined by other members of our management for the Q&A. Our current earnings release, earnings highlights slides and CEO letter have been filed and are available on the Investor Relations section of our website at svb.com.

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