Jeffrey Brown | Chief Executive Officer |
Jennifer LaClair | Chief Financial Officer |
Daniel Eller | Investor Relations |
Bill Carcache | Wolfe Research |
Sanjay Sakhrani | KBW |
Rob Wildhack | Autonomous Research |
Betsy Graseck | Morgan Stanley |
Rick Shane | JP Morgan |
Moshe Orenbuch | Credit Suisse |
Kevin Barker | Piper Sandler |
John Pancari | Evercore ISI |
Ladies and gentlemen, thank you for standing by, and welcome to the Ally Financial Q3 2021 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. If anyone should require Operator assistance during the program, please press star then zero. I would now like to turn the call to Mr.