Investor Presentaiton

3Q 2023 Preliminary Results Used Vehicle Value Outlook • Used vehicle values forecasted to decline 4% in 4Q '23 (4% decline on a FY basis) Maintain longer-term outlook for further decline in used vehicle values, but expecting support for values in 4Q '23 driven by UAW strike - Dealers built vehicle inventory in anticipation of potential strike • Strike supported auction prices in September; expect continued support as negotiations continue Used values relatively flat on a year-to-date basis and down 4% in 3Q '23 - Current outlook implies 4% decline in values in 4Q ‘23, potential for outperformance if strike persists Ally Used Vehicle Value Index (AUVI) 3-year-old vehicles, adjusted for seasonality, mix, mileage, and MSRP inflation 172 139 +4% YOY ↓ 4% QoQ Flat YTD 139 134 Dec '21 Dec '22 Sept '23 Dec '23 ally do it right.20

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