With continued economic and social impacts being felt from the COVID-19 pandemic, uniquely challenging markets and prolonged supply chain disruptions that have impacted the way our employees and our customers live and work, I am exceedingly proud of our progress as a company in 2021, underpinned by the strength and commitment of our 10,500 employees to our purpose and motto to Do It Right. Collectively, Ally teammates across the U. S. and Canada have helped each other, our customers and our communities thrive — driving a sustainable, positive impact for all of our stakeholders. Through our deliberate execution, innovative approach and commitment to our long-term strategy, we proved our resiliency and delivered strong business growth, while simultaneously doing the right thing for our employees, customers and communities. That commitment to culture starts with our employees — by prioritizing our team and their total well-being, we enable our customers to be equally cared for and prioritized. We increased our minimum wage 18% to $20 per hour, providing more financial stability to our hourly workers. We also expanded on our commitment to Ally employees through our third annual #OwnIt grant of 100 restricted stock units per employee.