Investor Presentaiton

3Q 2023 Preliminary Results Retail Auto Credit Performance Performance in-line with expectations and on track for full-year NCOs of 1.8% • Retail auto NCO rate of 1.85% is at the mid-point of prior guide (1.8 - 1.9%) . - Flow to loss rates remained stable year-to-date and favorable to pre-pandemic levels Softness in used vehicle values in the early part of the quarter partially offset by strength in values in September Continue to observe stability and moderation in the year-over-year pace of delinquencies - Pace of year-over-year 30-day delinquencies has moderated for three quarters in a row 2023 Retail Auto NCO Trajectory Prior Guide 2.3% -2.4% Year-over-Year Change in 30-Day Delinquency Rate 2.2% -2.4% 1.10% 1.85% -1.8% 1.68% 1.32% 1.42% 1.22% 1.08% 0.93% 1Q 23 2Q 23 3Q 23 4Q 23 FY 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 See page 38 for definitions. Notes: Includes accruing contracts only ally do it right. | 19

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