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Operator Please stand by. Greetings and welcome to First Republic Bank s fourth-quarter and full-year 2020 earnings conference call. Today s conference is being recorded. [Operator instructions] Following the presentation, the conference will be open for questions. [Operator instructions] I would now like to turn the call over to Mike Ioanilli, vice president and director of investor relations. Please go ahead. Mike Ioanilli Vice President and Director of Investor Relations Thank you, and welcome to the First Republic Bank s fourth-quarter 2020 conference call. Speaking today will be Jim Herbert, the bank s founder, chairman, and CEO; Gaye Erkan, president and board member; and Mike Roffler, chief financial officer. Before I hand the call over to Jim, please note that we may make forward-looking statements during today s call that are subject to risks, uncertainties, and assumptions. For a more complete discussion of the risks and uncertainties that could cause actual results

United statesNew yorkCompass pointSan franciscoDave rochesterSteve alexopoulosKen zerbe morgan stanleyJohn pancariChristopher mcgrattyMike rofflerGaye erkanChris mcgrattyCasey haire jefferiesCasey haireDavid chiaverini wedbushsecuritiesMike ioanilli