Operator Good day, and thank you for standing by. Welcome to the Ally Financial Second Quarter 2021 Earnings Conference Call. [Operator Instructions]. I would now like to hand the conference over to your speaker today, Daniel Eller, Head of Investor Relations. Please go ahead. Daniel Eller -- Head of Investor Relations Thank you, operator. We appreciate everyone joining us to review Ally Financial's second quarter 2021 results. This morning, we have our CEO, Jeff Brown; and our CFO, Jenn LaClair, on the call to review results and to take questions. Before beginning, I'll note the presentation we'll reference on today's call can be found on the Ally Investor Relations website. Forward-looking statements and risk factor language governing today's call is on Slide 2. And on Slide 3, we've included several GAAP and non-GAAP or core measures pertaining to Ally's operating performance and capital results. These metrics are supplemental to, and not a substitute for U.S. GAAP measures. Definitions and reconciliations can be found in the appendix.