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Thank you. You may proceed. Jocelyn Kukulka: Good morning and thank you for joining us for TCBI’s fourth quarter 2024 earnings conference call. I’m Jocelyn Kukulka, Head of Investor Relations.

Good morning and thank you for joining us for TCBI's Q4 2024 earnings conference call. I'm Jocelyn Kukulka ... across our now best-in-class cash management suite continued this quarter, with gross ...