Ally Financial Inc.

Good day, and thank you for standing by. Welcome to the second quarter 2023 Ally Financial 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 1-1 on your telephone. You will then hear a message advising your hand is raised. To withdraw the question, please press star 1-1 again. and be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker, Sean Lurie, Head of Investor Relations. Please proceed.

Thank you, Carmen.

Good morning, and welcome to Ally Financial's second quarter 2023 earnings call. This morning, our CEO, Jeff Brown, and our corporate treasurer, Brad Brown, will review Ally's results before taking questions. CFO, Russ Hutchinson, has also joined for 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. Gap and non-gap measures pertaining to our operating performance and capital results are on slide three. As a reminder, non-gap or core metrics are supplemental to and not a substitute for U.S. gap measures. Definitions and reconciliations can be found in the appendix. And with that, I'll turn the call over to JB.