Ally Financial Inc.

Good day, and thank you for standing by. Welcome to Allies Financial fourth quarter and full year 2023 earnings call. At this time, all participants are in a listen-only mode. After the presentation, there will be a question and answer session. To ask the question, you will need to press star 1-1 on your telephone. Then you will hear a message advising your hand is raised. To withdraw the question, please press star 1-1 again. 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. Please go ahead.

Thank you, Carmen. Good morning and welcome to Ally Financial's fourth quarter and full year 2023 earnings call. This morning, our CEO, Jeff Brown, and our CFO, Russ Hutchinson, will review Ally's results before taking questions. Interim CEO, Doug Timmerman, has also joined 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 slides three and four. 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 JB.

Thank you, Sean. Good morning, everyone. Before we get into the results, I want to introduce and welcome Doug Timmerman, who will take over as interim CEO on February 1st. Doug has spent more than 30 years in our auto finance and insurance businesses and is incredibly well positioned to lead Ally. His experience in the industry is unrivaled. He's well respected across all areas of the company, and he has the full support and confidence of our board, our leadership team, our employee base, and also our auto finance customer base. We're very fortunate to have a great leader in Doug and a deep bench across the company to ensure a seamless transition now and when we name our permanent CEO. Doug, congratulations, and maybe you'd like to share a couple of comments.