Daniel Eller | IR |
Jeffrey Brown | CEO & Director |
Jennifer LaClair | CFO |
Richard Shane | JPMorgan Chase & Co. |
Arren Cyganovich | Citigroup |
Christopher Donat | Sandler O'Neill + Partners |
Moshe Orenbuch | Crédit Suisse |
Donald Fandetti | Wells Fargo Securities |
Sanjay Sakhrani | KBW |
Eric Wasserstrom | UBS Investment Bank |
Betsy Graseck | Morgan Stanley |
Good day, ladies and gentlemen, and welcome to the Q4 2018 Ally Financial Inc. Earnings Conference Call. [Operator Instructions].
As a reminder, this conference call may be recorded. I would now like to introduce your host for today's conference, Mr.