When Rick Holliday came to First Republic with his plans for Factory OS, his passion for the new business was infectious. His idea: affordable, high-quality urban housing solutions created by an all-star team at a former naval shipyard. Rick insisted, “This is the business, this is the time and this is the team.” Factory OS has found an extension of that team in First Republic. The Bank serves as a dedicated partner with the experience and enthusiasm that enable Factory OS to act on new opportunities quickly.