Daniel Eller | Head, Investor Relations |
Jeff Brown | Chief Executive Officer |
Jen LaClair | Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Bill Carcache | Wolfe Research |
Betsy Graseck | Morgan Stanley |
Moshe Orenbuch | CS |
Sanjay Sakhrani | KBW |
Arren Cyganovich | Citi |
Good day and thank you for standing by. Welcome to the Ally Fourth Quarter and Full Year 2021 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 advise that today’s conference is being recorded.