Daniel Eller | IR |
Jeff Brown | CEO |
Jennifer LaClair | CFO |
Chris Donat | Sandler O'Neill |
Betsy Graseck | Morgan Stanley |
Sanjay Sakhrani | KBW |
Kevin Barker | Piper Jaffray |
Good day, ladies and gentlemen, and welcome to the Ally Financial First Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions] And as a reminder, this conference call may be recorded. I would now like to hand the call over to, Mr.