Ally Financial Inc.

Good day and thank you for standing by. Welcome to the Ally Financial Third Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Sean Larry, head of investor relations. Please go ahead.

Thank you, Carmen. Good morning and welcome to Ally Financial's third quarter 2022 earnings call. This morning, our CEO, Jeff Brown, and our interim CFO, Brad Brown, will review Ally's results before taking questions. Jen LeClaire has also joined for the beginning of today's call. The presentation we'll reference can be found on the investor relations section of our website, ally.com. Forward-looking statements and risk factor language governing today's call are on slide two. GAAP and non-GAAP measures pertaining to our operating performance and capital results are on slide three. As a reminder, non-GAAP or core metrics are supplemental to and not a substitute for U.S. GAAP measures. Definitions and reconciliations can be found in the appendix. And with that, I'll turn the call over to JV.

Thank you, Sean. Good morning, everyone. Before diving into the results, I'd like to express my sincere thanks and appreciation to Jen LeClair, who we announced yesterday will be leaving the company over the coming months. Jen has been instrumental in our company's evolution over the past five years. She's been a great partner to me, but more importantly, a great leader to Ally and a great person. She's been a champion of Ally's do-it-right culture from day one, and while we're sad to see her go, we're grateful for her contributions to the company and wish her the best in this next chapter. Obviously, CFO transitions are never easy, but we have a strong bench in place that will work closely with me while we launch the search. I am thankful for both Brad and Sean stepping up in the days to come. I know Jen is excited to pursue her next chapter of opportunities, and candidly, that's hard to do while serving as a CFO. So we mutually determined now is the best time for a change and in advance of an even more fluid macro environment. Jen, thank you for everything, and I'd like to turn it over to you for a few remarks.