Daniel Eller | Investor Relations |
Jeff Brown | Chief Executive Officer |
Jenn LaClair | Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
Sanjay Sakhrani | KBW |
Bill Carcache | Wolfe Research |
Rick Shane | JPMorgan |
Ladies and gentlemen, thank you for standing by. And welcome to the Ally Financial's Fourth Quarter and Full Year 2020 Earnings Conference Call. At this time, all participants 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.