Sean Leary | executive |
Jeffrey Brown | executive |
Douglas Timmerman | executive |
Russell Hutchinson | executive |
Ryan Nash | analyst |
Sanjay Sakhrani | analyst |
Jeffrey Adelson | analyst |
Richard Shane | analyst |
John Hecht | analyst |
Good day, and thank you for standing by. Welcome to Ally's Financial Fourth Quarter and Full Year 2023 Earnings Call. [Operator Instructions]. Be advised that today's conference is being recorded. I would now like to turn the call over to Sean Leary, Head of Investor Relations.