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Operator Ladies and gentlemen, thank you for standing by, and welcome to the Ally Financial s Fourth Quarter and Full Year 2020 Earnings Conference Call. [Operator Instructions] Please be advised that today s conference is being recorded. [Operator Instructions] I would now like to hand the conference to your speaker today, Daniel Eller of Investor Relations. Please go ahead, sir. Daniel Eller Investor Relations Thank you, operator. We appreciate everyone joining us to review Ally Financial s fourth quarter and full year 2020 results this morning. We have JB, Jeff Brown, our CEO; and Jenn LaClair, our CFO on the call, to review results and take questions. Before beginning, I ll note that the presentation we ll reference throughout the call can be found on the Ally Investor Relations website. On Slide 2, you ll find the forward-looking statements and risk factor language that will govern today s call, and on Slides 3 and 4, we ve included several GAAP and non-GAAP or core meas

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