For Mac Full Film Masterpiece Ckl (2015 Year Watching Magn

2 Safe Harbor Statement This presentation contains several “forward-looking statements.” Forward-looking statements are those that use words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “may,” “likely,” “should,” “estimate,” “continue,” “future” or other comparable expressions. These words indicate future events and trends. Forward-looking statements are our current views with respect to future events and financial performance. These forward-looking statements are subject to many assumptions, risks and uncertainties that could cause actual results to differ significantly from historical results or from those anticipated by us. The most significant risks are detailed from time to time in our filings and reports with the Securities and Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2015. 3 GM Financial Company Overview GM Financial’s overall objective is to support GM vehicle sales while achieving appropriate risk-adjusted returns  GM Financial is General Motors’ global captive finance company  Earning assets of $64B, with operations in 20 countries − Offering auto finance products to 16,000 dealers worldwide − GM Financial’s global footprint covers over 85% of GM’s worldwide sales  GM Financial is a strategic business for GM and well positioned for profitable growth and contribution to overall enterprise value North American markets International markets.

8 Solid Balance Sheet 1. 9 Earning Assets Composition  Earning assets evolving to more captive-like mix with 84% of earning assets related to financing GM new vehicles  Portfolio shifting to predominantly higher credit quality assets − Subprime loan portfolio (. 10 Funding Platform  Credit facilities − Totaling $24.8B, provided by 36 banks at March 31, 2016  Global securitization platforms − Segregated by asset type and geography - current platforms:  AMCAR - U.S. Subprime retail loan ▪ GFORT - U.S.

Floorplan  GMALT - U.S. Lease ▪ ECARAT U.K. retail loan  ECARAT Germany - retail loan − Anticipate launching U.S. Retail loan platform as early as late 2016 − Projected 2016 CY issuances: $11-14B, including 144A transactions − Private amortizing securitizations are used to augment/diversify funding  Global senior notes platform − Supporting operations in U.S., Canada, and Europe − Projected 2016 CY issuances: $10-13B, 5-8 offerings  Other − Retail bank deposits in Germany, $1.6B at March 31, 2016  Unsecured debt 46% of total debt at March 31, 2016 North America International 1.

International unsecured credit facilities were 6% and secured credit facilities were 7% of total debt outstanding At March 31, 2016 Senior Notes 34% Credit Facilities 7% Other Unsecured 4% Securitization 35% $60.4B Credit Facilities 13%1 Senior Notes 2% Securitization 5% Maintain strategy of funding locally, with flexibility to issue globally to support North America funding needs and enhance investor diversification. 12 Current Ratings GM GM Financial Company Rating Bond Rating Outlook Company Rating Bond Rating Outlook DBRS BBB N/A Stable BBB BBB Stable Fitch BBB- BBB- Stable BBB- BBB- Stable Moody’s I.G. Ba1 Positive Ba1 Ba1 Positive Standard and Poor’s BBB- BBB- Stable BBB- BBB- Stable Committed to Investment Grade  GM’s disciplined reinvestment and performance consistent with strong investment grade rating  Investment grade status achieved with S&P, Fitch and DBRS consistent with GM’s ratings − February 2016, Moody’s changed outlook to positive − March 2016, DBRS upgrade to BBB, trend stable  Achievement of investment grade (IG) rating critical for captive strategy execution.

15 Origination Mix by Credit Tier Three Months Ended (Quarterly Loan and Lease Originations, $M)1 Mar-16 Mar-15 Amount Percent Amount Percent Prime – FICO Score 680 and greater $6,347 68.3% $2,819 53.4% Near prime – FICO Score 620 to 679 $1,241 13.3% $961 18.2% Sub-prime – FICO Score less than 620 $1,712 18.4% $1,500 28.4% Total loan and lease originations $9,300 100.0% $5,280 100.0%  Origination mix shifting to higher credit tiers, driven by lease exclusivity and increase in prime loan penetration 1. For originations associated with the commercial vehicle program, FICO scores or equivalents are used in determining prime, near-prime and sub-prime classifications.

16 Retail Loan Originations GMF as% of GM U.S. 17 Retail Loan Credit Performance  Credit metrics reflect normal seasonal pattern  Finance receivables with FICO scores. 24 Commercial Lending  At March 31, 2016, commercial finance receivables were comprised of 94% floorplan and 6% primarily from real estate and dealer loans − Growth in European commercial receivables primarily due to higher inventory in the U.K. And Germany $3.0 $3.2 $3.2 $3.1 $3.6 $1.3 $1.1 $1.1 $1.3 $1.2 2,129 2,130 2,153 2,139 2,147 1,400 1,500 1,600 1,700 1,800 1,900 2,000 2,100 2,200 2,300 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 $0 $1 $2 $3 $4 $5 $6 $7 Re c e iv a bl e s Outst a nding ( $B ) Europe Commercial Receivables Outstanding Latin America Commercial Receivables Outstanding $4.3 $4.4 $4.8 $4.3 $4.3 Number of Dealers.

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