 Ally Financial Inc. NYSE:ALLY Q4 2022 Earnings Conference Call January 20, 2023 9:00 AM ET Company Participants Sean Leary - Head, Investor Relations Jeff Brown - Chief Executive Officer Brad Brown - Interim Chief Financial Officer Conference Call Participants Moshe Orenbuch - Credit Suisse Ryan Nash - Goldman Sachs Bill Carcache - Wolfe Research Betsy Graseck - Morgan Stanley Operator Good day and thank you for standing by. Welcome to the Fourth Quarter Ally Financial Inc. Earnings Conference Call. 