Sean Leary | Head, Investor Relations |
Jeff Brown | Chief Executive Officer |
Brad Brown | Interim Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
Ryan Nash | Goldman Sachs |
Bill Carcache | Wolfe Research |
Betsy Graseck | Morgan Stanley |
Good day and thank you for standing by. Welcome to the Fourth Quarter Ally Financial Inc. Earnings Conference Call. [Operator Instructions] Please be advised that today’s conference is being recorded. I would now like to hand the conference over to Mr.