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TGMVEH

WEREFINAN

GM FINANCIAL EMPLOYEE NEWSLETTERFIRST QUARTER 2012 ISSUE 3

A renewed focus on oursignature services.

INSIDE

Commercial Lending gearsup or U.S. launch

Community InvestmentAnnual Report

FICO defnes new credit profles

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GMF 360 is an ofcial publicationo GM Financial.

Address correspondence to:GM Financial

Communication/GMF 360801 Cherry St., Ste. 3200

Fort Worth, TX 76102

For inormation, call (817) 302-7069or email: communication@gmfnancial.com

Whats your story?Do you or someone you know at

GM Financial have an extraordinarystory to share with the company?

Send your ideas or a department orteam member profle to

communication@gmfnancial.com.Submissions will be considered or

upcoming publications o GMF 360.

A year in review.Last year was a successul period or GM Financial in many ways. From launching a solidleasing platorm in the U.S. to entering Canada, our team members worked diligentlyto achieve company goals set orth by our leadership team. Throughout the year, teammembers also excelled within their communities by supporting numerous non-proftorganizations. And through Community Investments Signature Events and volunteer op-portunities, employees gave a helping hand and made a big impact in 2011. Keep read-ing to learn about the organizations weve sponsored and how your donations made adierence in the community.

March of Dimes GM Financial successully raised nearly$118,000 or the 2011 March o Dimes campaign. Teammembers across the company pitched in and donated tothis great cause by participating in department undraisers,silent auctions and more. As springtime rolled around, manyteam members joined hal a million people across the UnitedStates by participating in local March or Babies run/walkevents. March o Dimes and March or Babies both supportcommunity programs that help uture moms have healthy,ull-term pregnancies. Our corporate and personal donationsalso help und research to fnd answers to those problemsthat cause and aect premature babies.

United Way Last year, GM Financial raised more than$210,000 to beneft this non-proft organization that helpsaddress the needs o local communities. Since 2008, UnitedWay has ocused on promoting education, fnancial stabilityand health by providing a variety o programs and opportuni-ties or community members. Over the next decade, UnitedWay plans to carry out initiatives in each o its three coreareas to improve the stability and wellness o youth andadults across the United States.

Salvation Army As a holiday tradition, GM Financialemployees donated toys, clothing and other essentials to 925children, seniors and special needs individuals also known

as Salvation Army Angels. These individuals were paired with team members as a parto the Salvation Armys Angel Tree program, where angels requested one item theywanted or wished or and one item that they needed. Also in the spirit o the holidays,our team members in Canada donated toys and non-perishable ood items to their localSalvation Army.

Canadian Cystic Fibrosis Foundation Through the Great Strides Walk, sponsoredby the Cystic Fibrosis Foundation, Peterborough employees made a dierence by partici-pating and raising money to help fnd a cure or Cystic Fibrosis, a debilitating illness. Thisevent was one o Peterboroughs Signature Events and as a major sponsor,

Lendinga helpinghand tothose inneed

Through

Community

Investments

Signature Events

and volunteer

opportunities,

employees gave

a helping hand

and made a big

impact in 2011.

COMMUNITY INVESTMENT ANNUAL REPORT:How GM Financial and our team members made a difference in 2011

(Continued on page 8.)

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Key Findings

So how much did U.S. consumer behaviorchange during the study period? According to

the study, not as much as previously thought: Consumer risk score distribution, at a na-tional level, remained relatively stable.

The segments with the most change werethe Fallen Angels and the Rising Stars, whichrepresent only 4 percent or 7.3 million con-sumers. The Fallen Angels struggled the mostto pay mortgages and other debt, which wasindicated by the 150 point drop in scores.Many high-scoring consumers became evenmore conservative in their spending behaviorby paying down their existing debt and avoid-ing new debt, thereby increasing their scores.Overall, approximately three million consumerssubstantially improved their creditworthiness.

While deault rates worsened in most scorebands during the economic downturn, amajority o Americans continued to paytheir bills. Their scores remained high or im-proved, balancing out the downward pullon the national score distribution causedby people undergoing nancial hardship.

Two distinct phases in consumer credit risk

were noted. From 2005 to 2008, there was amovement out towards the two extremes othe score range. The 300-499 and 800-850score band gained additional consumers.From 2008-2011, score distributions movedaway rom the ends o the range. The 550-599 and 600-649 bands the bands in themiddle gained consumers during this time.

Recent improvements in credit card delinquen-cies were driven less by consumer behavior andmore by tightening o credit policies by lenders.Lenders have reduced credit limits by $10,000

on an average consumer since 2008, whichcauses consumers to stop using credit cards.

Lenders granted new credit to a smaller selectgroup o consumers.

At all FICO score levels, lower spending is themost striking change in consumer behavior.

FICO research(continued from previous page.)

Community investment(continued from inside cover.)

Commercial Lending(continued from page 5.)

GM Financial contributed more than $17,450. Peterboroughs Spirit team hosted mul-tiple activities around the Centre to promote public awareness and undraising or theCystic Fibrosis Foundation, including bowling, miniature gol, bean bag toss, a BBQlunch and basketball.

While GM Financial contributes to many non-prot organizations throughout theyear, there are other ways you can become involved in the community. The inorma-tion below oers additional ways to provide assistance or charities o your choice:

Paid Time-Off GM Financial oers ull-time team members eight hours opaid time-o to volunteer each quarter. Part-time team members are oered ourhours o paid time-o each quarter to volunteer.

Dollars for Doers The company also contributes to non-prot agencieswhere employees choose to volunteer. As part o the Dollars or Doers pro-gram, GM Financial donates $5 or every hour, up to 50 hours per calendar year,that team members spend volunteering outside o work hours. Team memberswishing to take advantage o this program may select up to two agencies to

divide their 50 hours o volunteer time, but must volunteer a minimum o 20hours per organization to participate.

Walk/Run/Cycle All employees will be sponsored (up to $35 each) or twowalk/run/cycle events per year.

Prior to participating in any community investment activities, be sure to get permissionrom your manager. Check the Community Investment site on AmeriNet to ensure yourvolunteer activity meets the guidelines o one o GM Financials programs. Dont orgeto report your volunteer time as well.

Also, dont miss out on Community Investments 2012 Signature Events and volunteeropportunities. Your time and talents are appreciated as you represent GM Financial anyoursel in the community. For more volunteer opportunities and inormation, please

visit the Community Investment site on AmeriNet.

rate or the rate we charge or foorplan nancing is not tied to the number o retaor lease deals they send to us, which is a common practice among other lenders thatoer commercial nancing, said Brian Stratton, vice president Business Development,Commercial Lending Services. He was among the team that represented GM FinancialCommercial Lending program in the General Motors booth at the annual National

Automobile Dealers Association (NADA) convention in Las Vegas. Joe Buslow, seniorvice president o Sales in Dealer Services, agrees, Overall, the GM dealers we spokewith expressed a lot o satisaction in what GM Financial has been able to oer so arsince the acquisition and they are interested in expanding their relationship with us.

The departments goal through the remainder o 2012 is to establish sucient scale inthe platorm to obtain operating eciencies. The Dealer Services Sales team will be atthe oreront o creating excitement and awareness about the program to their dealersDRMs were trained at the Sales Rally last all on the details o the program and how toinorm dealers about it. Execution is critical. When we go to market, we want to do itright, said Fallon.