Daniel Eller | Ally Financial, Inc. |
Jeffrey Jonathan Brown | Ally Financial, Inc. |
Jennifer LaClair | Ally Financial, Inc. |
Sanjay Sakhrani | Keefe, Bruyette & Woods, Inc. |
Donald Fandetti | Wells Fargo Securities LLC |
Eric Wasserstrom | UBS Securities LLC |
Moshe Ari Orenbuch | Credit Suisse Securities (NYSE:USA) LLC |
Betsy L. Graseck | Morgan Stanley & Co. LLC |
Kevin J. Barker | Piper Jaffray & Co. |
Arren Cyganovich | Citi |
Richard B. Shane | JPMorgan Securities LLC |
Christopher Roy Donat | Sandler O'Neill & Partners LP |
Good day, ladies and gentlemen, and welcome to the Ally Financial Third Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later we will conduct the question-and-answer session and instructions will follow at that time.
As a reminder, today's conference is being recorded. I'd now like to introduce your host for today's conference Mr.