Daniel Eller | Head of Investor Relations |
Jeffrey Brown | Chief Executive Officer |
Jennifer LaClair | Chief Financial Officer |
Ryan Nash | Goldman Sachs & Company, Inc. |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley & Co. LLC |
Sanjay Sakhrani | Keefe Bruyette & Woods, Inc. |
Eric Wasserstrom | UBS Group AG |
Robert Wildhack | Autonomous Research LLP |
Kevin Barker | Piper Sandler Companies |
Richard Shane | JPMorgan |
John Hecht | Jefferies LLC |
Ladies and gentlemen, thank you for standing by, and welcome to the Ally Financial Fourth Quarter Earnings Conference Call. At this time, all participant lines are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today’s conference is being recorded. [Operator Instructions]