U.S. LOAN, LEASE & FLOORPLAN SECURITIZATION PLATFORMS. May 2018

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1 U.S. LOAN, LEASE & FLOORPLAN SECURITIZATION PLATFORMS May 2018

2 SAFE HARBOR STATEMENT This presentation contains several forward-looking statements. Forward-looking statements are those that use words such as believe, expect, intend, plan, may, likely, should, estimate, continue, future or anticipate and 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, Such risks include but are not limited to GM s ability to sell new vehicles that we finance in the markets we serve; the viability of GM-franchised dealers that are commercial loan customers; the availability and cost of sources of financing; our joint venture in China, which we cannot operate solely for our benefit and over which we have limited control; the level of net charge-offs, delinquencies and prepayments on the loans and leases we originate; the effect, interpretation or application of new or existing laws, regulations, court decisions and accounting pronouncements; the prices at which used cars are sold in the wholesale auction markets; vehicle return rates and the residual value performance on vehicles we lease; interest rate fluctuations and certain related derivatives exposure; foreign currency exchange rate fluctuations; our financial condition and liquidity, as well as future cash flows and earnings; changes in general economic and business conditions; competition; our ability to manage risks related to security breaches and other disruptions to our networks and systems; and changes in business strategy, including expansion of product lines and credit risk appetite, acquisitions and divestitures. If one or more of these risks or uncertainties materialize, or if underlying assumptions prove incorrect, our actual results may vary materially from those expected, estimated or projected. It is advisable not to place undue reliance on any forward-looking statements. We undertake no obligation to, and do not, publicly update or revise any forward-looking statements, expect as required by federal securities laws, whether as a result of new information, future events or otherwise. 2

3 U.S. ABS PLATFORMS 3

4 SECURITIZATION PLATFORMS U.S. Sub-prime Loan U.S. Lease AmeriCredit Automobile Receivables Trust Ticker: AMCAR GM Financial Automobile Leasing Trust Ticker: GMALT U.S. Floorplan U.S. Prime Loan GM Financial Floorplan Owner Revolving Trust Ticker: GFORT GM Financial Consumer Automobile Receivables Trust Ticker: GMCAR 4

5 LOAN & LEASE UNDERWRITING AND SERVICING 5

6 RETAIL LOAN PORTFOLIO OVERVIEW GM Financial is originator and servicer of automobile loans Originate loans under two brands GMF full spectrum credit offering for new and used vehicles and the exclusive provider of subvented loans to GM dealers in the U.S. AmeriCredit over 20 years of lending experience to below prime consumers focused on predominately franchised dealers for mostly used vehicle financing Terms up to 75 months, with limited availability of 84 month terms to support GM dealers Fixed rate, simple interest and fully amortizing LTV at origination may be above 100% of wholesale vehicle value March 2018 quarter-end borrower and loan characteristics at origination are trending to higher credit quality with prime loan expansion Average 18 years of history in the credit bureau Average annual household income of ~$106,000 Average time with current employer ~10 years Average amount financed $27,000 and a monthly payment of $500 Average down payment of 29% Weighted average FICO score of 716 Portfolio Mix by Segment as of 3/31/18 CUV 24% SUV 16% TRUCK 26% CAR 34% Portfolio Distribution by Top Models as of 3/31/18 Model Make Dollar Percentage SILVERADO CHEVROLET 16% CRUZE CHEVROLET 5% SIERRA GMC 4% MALIBU CHEVROLET 4% TAHOE CHEVROLET 4% EQUINOX CHEVROLET 4% ESCALADE CADILLAC 3% SUBURBAN CHEVROLET 3% TRAVERSE CHEVROLET 3% YUKON GMC 2% OTHER ALL 52% 6

7 RETAIL LEASE PORTFOLIO OVERVIEW GMF originates and services new lease originations GMF is the exclusive subvented lease provider for GM vehicles in North America Lease terms of months Majority of leases are 36 and 39 month terms Predominately prime credit quality Weighted average FICO score ~765 Diverse model concentration 40 models with the top 5 models <50% of the portfolio Lease residuals and residual setting Base residual values set based on Automotive Lease Guide (ALG) levels GM may enhance contract residuals above ALG Any residual enhancement is supported by GM through subvention payments GM pays GMF for gap between contract and ALG residual value at time of lease origination 11% Portfolio Mix by Segment as of 3/31/18 20% 19% 50% Model CAR CUV SUV TRUCK Make Portfolio Mix by Term as of 3/31/18 47% 9% 11% Portfolio Distribution by Top Models as of 3/31/18 33% Dollar Percentage SILVERADO CHEVROLET 13% EQUINOX CHEVROLET 12% ACADIA GMC 7% TRAVERSE CHEVROLET 7% TERRAIN GMC 6% XT5 CADILLAC 5% SIERRA GMC 5% MALIBU CHEVROLET 5% ESCALADE CADILLAC 4% CRUZE CHEVROLET 4% OTHER ALL 32% 24/27 mo 36 mo 39 mo 42/48 mo 7

8 LOAN & LEASE UNDERWRITING OVERVIEW Underwriting and funding 16 regional credit centers and two centralized funding centers in the U.S. Detroit regional center opened in Q Underwriting teams split between GMF and AmeriCredit Custom scorecards are utilized to underwrite and analyze loan and lease originations across the credit spectrum Credit risk appetite and credit mix adjusted through custom credit scoring system Loan and lease scorecards leverage decades of retail loan scorecard history Scorecard characteristics are monitored monthly for statistical consistency Funding and verifications Verification process driven by credit tier and conducted prior to purchasing the loan or lease from the dealer Confirm receipt of all contractual documents and confirmation of regulatory compliance Applications for credit tiers below prime require proof of income, verification of employment and a welcome call 8

9 LOAN & LEASE SERVICING OVERVIEW Highly tenured servicing team with experience across economic cycles Servicing centers strategically located to balance loan portfolio geographically Arlington, TX; San Antonio, TX; Chandler, AZ; Charlotte, NC; Peterborough, Ontario (Canada and Northeast U.S.) Lease servicing handled by dedicated group in Texas Collections split between 5-45 days past due and 46+ days past due 5-45 group utilizes dialer campaigns 46+ group allocates individual accounts to a designated team within each servicing center to work with individual accounts through resolution Repossession review begins at approximately days past due; write-off occurs at 120 days past due Dedicated Customer Service team to handle inbound inquiries and some very early stage delinquencies Specialty areas dedicated to deficiency balance collections and bankruptcy management process Staffing models utilized to ensure appropriate staffing levels based on origination volume, credit mix and forecasted credit performance 9

10 U.S. REMARKETING SOLUTIONS Established and well-respected remarketing team centralized in Arlington, TX GM Remarketing auction operations were transitioned to GM Financial Remarketing effective July 1, 2015 The alignment provides a consolidated strategy for offering off-lease, repossessed, rentals and company cars Service provider for GM dealers for wholesale selling operations Nationwide auction presence Physical auctions 48 locations (Manheim, ADESA and independent) GM Financial on-site representative participates in each auction Review inventory and establish floor levels Real-time decisions to accept/decline bid Both open and closed auction sales Open includes all dealers (GM and Non-GM) Closed includes GM dealers only 10

11 LEASE END-OF-TERM Private-label online wholesale marketplace and inventory management system GMFDealerSource.com Lease maturity manager, payoff quote information, vehicle grounding functionality and grounding dealer vehicle purchase capabilities Facilitates streamlined grounding process to terminate leases at GM dealerships Provides single-source online access to purchase a wide range of pre-owned GM vehicles, including off-lease, rental vehicles and GM company cars Program designed to support GM dealer base while maximizing resale values First few online selling iterations exclusive to GM dealers Vehicles are listed on GMFDealerSource and Adesa.com until arrival at a physical auction Leveraging extensive nationwide network of physical auctions Targeted marketing efforts for both online and physical auctions Factory Pre-Owned Collection Program Generates incremental sales for GM dealers and provides access to quality, pre-owned inventory directly to the consumer 11

12 AMCAR PLATFORM HIGHLIGHTS 12

13 AMCAR SECURITIZATION PLATFORM (SUB-PRIME LOAN) Track Record ABS platform dating back to 1994 with more than 95 securitizations Originator, servicer and residual holder Timely payment of all interest and principal to noteholders Consistent Platform Regular issuer Credit enhancement and capital structure relatively consistent Rotation across rating agencies Efficient Structures Subordinate bonds structured for sale Ability to offer floating rate notes Structures de-lever quickly / sub bonds historically upgraded 13

14 AMCAR TRANSACTION SUMMARY Pricing Date 11/8/17 8/8/17 5/9/17 2/13/17 10/5/2016 8/2/2016 4/5/2016 1/12/16 Total Notes $1,300,060,000 $1,200,060,000 $1,300,100,000 $930,000,000 $1,200,000,000 $1,300,000,000 $1,200,000,000 $1,200,000,000 Pool Balance $1,414,645,756 $1,305,771,424 $1,414,699,881 $1,011,969,929 $1,305,999,471 $1,414,581,983 $1,305,762,931 $1,298,698,994 Avg. Principal Balance $20,401 $20,616 $20,218 $19,971 $20,652 $21,864 $19,316 $20,608 Weighted Avg. APR 12.98% 12.65% 12.85% 12.71% 12.26% 11.80% 12.08% 12.15% WA Remaining Term 67 months 67 months 67 months 66 months 66 months 66 months 63 months 66 months WA Original Term 71 months 71 months 71 months 71 months 71 months 71 months 71 months 71 months New 56.87% 60.65% 55.93% 55.04% 57.95% 56.79% 53.65% 55.92% Used 44.13% 39.35% 44.07% 44.96% 42.05% 43.21% 46.35% 44.08% WA Custom Score WA FICO WA LTV 107% 106% 107% 108% 108% 108% 109% 110% Approximate Called/ Seasoned Collateral <5% <5% 5% 7% 6% <5% 10% 5% Dollar Percentage by Segment (1,2) Car 47.87% 51.67% 48.22% 47.77% 49.02% 48.64% 48.90% 49.00% CUV 26.27% 23.91% 23.93% 23.43% 23.23% 20.37% 20.94% 21.91% SUV 6.97% 7.00% 7.77% 8.48% 7.86% 8.33% 8.13% 7.55% Truck 18.89% 17.42% 20.08% 20.32% 19.89% 22.66% 22.03% 21.54% Initial Hard Enhancement Class A Notes 35.20% 35.20% 35.20% 35.20% 35.20% 35.20% 35.20% 34.70% Class B Notes 27.95% 27.95% 27.95% 27.95% 27.95% 27.95% 27.95% 27.45% Class C Notes 18.95% 18.95% 18.95% 18.95% 18.95% 18.95% 18.95% 18.45% Class D Notes 10.10% 10.10% 10.10% 10.10% 10.10% 10.10% 10.10% 9.60% Class E Notes 7.75% 7.75% 7.75% 7.75% 7.75% 7.75% 7.75% 7.50% Overcollateralization & Reserve Account AMCAR Collateral Overview & Structure Summary Initial OC 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.75% 5.50% Target OC (3) 14.75% 14.75% 14.75% 14.75% 14.75% 14.75% 14.75% 14.75% OC Floor 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% Reserve Account (non-declining) 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 1) For comparison purposes, the segment categories have been reorganized to reflect the late 2017 categorization and therefore may not mirror the segment categories reflected in their respective offering documents 2) Percentages may not add up to 100% because of rounding 3) Target O/C includes the Reserve Account balance 14

15 AMCAR CUMULATIVE NET LOSS PERFORMANCE As of April 30, Transactions 2014 Transactions 9.00% 9.00% 8.00% 8.00% 7.00% 7.00% 6.00% 6.00% 5.00% 5.00% 4.00% 4.00% 3.00% 2.00% 1.00% 0.00% % 2.00% 1.00% 0.00% Transactions 2016 and 2017 Transactions 9.00% 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% % 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00%

16 GMALT PLATFORM HIGHLIGHTS 16

17 GMALT SECURITIZATION PLATFORM (LEASE) Track Record ABS platform established in 2014 and SEC registered in 2015 Originator, servicer and residual holder Timely payment of all interest and principal to noteholders Consistent Platform Regular issuer in the market beginning in 2015 Credit enhancement and capital structure relatively consistent Rotate among rating agencies Efficient Structures Subordinate bonds structured for sale Ability to offer floating rate notes Structures de-lever quickly due to non-declining enhancement 17

18 GMALT TRANSACTION SUMMARY GMALT Collateral Overview & Structure Summary Securitization Value $1,362,401, $1,090,137, $1,362,471, $1,364,563, Average Securitization Value $24, $24, $25, $24, Aggregate Base Residual Value $1,003,833, $796,749, $950,369, $982,786,474 Aggregate MSRP $2,148,619,786 $1,674,136,060 $2,024,479,015 $2,095,706,394 Disc. Base Residual Value (as a % of Sec. Value) 63.37% 62.73% 59.12% 61.45% Disc. Base Residual Value (as a % of MSRP) 40.18% 40.84% 39.79% 40.01% Weighted Average Original Term (months) Range of Original Term (months) months months months months Weighted Average Remaining Term (months) Range of Remaining Term (months) 3 47 months 3 47 months 3 47 months 3 41 months Weighted Average FICO Score Percentage of New Vehicles % % % % Dollar Percentage by Segment (1) Car 18.20% 21.16% 22.69% 22.10% CUV 51.69% 49.04% 45.17% 44.37% SUV 10.30% 10.96% 13.94% 12.31% Truck 19.80% 18.84% 18.20% 21.39% Top 5 Vehicle Models 13.05% (Equinox) 13.69% (Equinox) 11.35% (Equinox) 14.09% (Silverado) 12.31% (Silverado) 11.54% (Silverado) 11.08% (Silverado) 8.76% (Acadia) 7.07% (Traverse) 6.70% (Terrain) 5.99% (Malibu) 8.68% (Equinox) 6.95% (XT5) 6.42% (Cruze) 5.76% (Traverse) 6.33% (Malibu) 6.46% (Acadia) 5.78% (Acadia) 5.66% (Escalade) 5.42% (Sierra) Initial Hard Enhancement Class A Notes 19.90% 19.90% 19.90% 19.90% Class B Notes 15.55% 15.55% 15.55% 15.55% Class C Notes 11.50% 11.50% 11.50% 11.50% Class D Notes 8.75% 8.75% 8.75% 8.75% Overcollateralization & Reserve Account Initial O/C % 8.25% 8.25% 8.25% 8.25% Target O/C % (non-declining) 10.75% (2) 10.75% (2) 10.75% (2) 10.75% (2) Reserve Account % (non-declining) 0.50% 0.50% 0.50% 0.50% 1) Percentages may not sum to % due to rounding 2) The overcollateralization target decreases to 9.75% when class A-2-A and A-2-B have paid in full 18

19 GMALT DELINQUENCY & NET CREDIT LOSS EXPERIENCE As of April 30, % 1.75% 1.50% 1.25% 1.00% 0.75% 0.50% 0.25% 0.00% 1.00% 61+ Day Delinquency GMALT GMALT GMALT GMALT GMALT GMALT GMALT GMALT Cumulative Net Credit Loss % 0.60% 0.40% 0.20% 0.00% ) Based on Securitization Value GMALT GMALT GMALT GMALT GMALT GMALT GMALT GMALT

20 GMALT RESIDUAL LOSS/(GAIN) RESULTS $10,000,000 GMALT $- $(10,000,000) $(20,000,000) $(30,000,000) $(40,000,000) $(50,000,000) Monthly Residual Loss/(Gain) Cumulative Loss/(Gain) $10,000,000 GMALT $- $(10,000,000) $(20,000,000) $(30,000,000) $(40,000,000) Monthly Residual Loss/(Gain) Cumulative Loss/(Gain) 20

21 GMALT RESIDUAL LOSS/(GAIN) RESULTS $10,000,000 GMALT $- $(10,000,000) $(20,000,000) $(30,000,000) Monthly Residual Loss/(Gain) Cumulative Loss/(Gain) $3,000,000 $- $(3,000,000) $(6,000,000) $(9,000,000) $(12,000,000) $(15,000,000) GMALT Monthly Residual Loss/(Gain) Cumulative Loss/(Gain) 21

22 GMALT RESIDUAL LOSS/(GAIN) RESULTS $2,000,000 GMALT $- $(2,000,000) $(4,000,000) $(6,000,000) $(8,000,000) $(10,000,000) Monthly Residual Loss/(Gain) Cumulative Loss/(Gain) $2,500,000 GMALT $- $(2,500,000) $(5,000,000) $(7,500,000) $(10,000,000) Monthly Residual Loss/(Gain) Cumulative Loss/(Gain) 22

23 GMALT RESIDUAL LOSS/(GAIN) RESULTS $500,000 GMALT $- $(500,000) $(1,000,000) $(1,500,000) $(2,000,000) $(2,500,000) Monthly Residual Loss/(Gain) Cumulative Loss/(Gain) $200,000 GMALT $- $(200,000) $(400,000) $(600,000) $(800,000) $(1,000,000) Monthly Residual Loss/(Gain) Cumulative Loss/(Gain) 23

24 GMCAR PLATFORM HIGHLIGHTS 24

25 GMCAR SECURITIZATION PLATFORM (PRIME LOAN) Track Record ABS platform established in 2017 and SEC-registered in 2018 Originator, servicer and residual holder Consistent Platform Regular issuer in the market beginning in 2018 Rotate among rating agencies Efficient Structures Subordinate bonds structured for sale Ability to offer floating rate notes 25

26 GMCAR TRANSACTION SUMMARY GMCAR Collateral Overview & Structure Summary Pricing Date 4/11/18 1/9/18 10/3/17 7/11/17 4/3/17 Offered Notes $1,215,550,000 $1,227,270,000 $987,310,000 $987,370,000 $989,400,000 Pool Characteristics (1) Pool Balance $1,357,996,691 $1,346,226,236 $1,070,192,079 $1,074,225,436 $1,073,193,720 Average Principal Balance $32,169 $28,868 $27,960 $27,929 $27,252 Weighted Average APR 2.50% 2.69% 2.87% 2.58% 3.08% Weighted Average Original Term 68 months 66 months 67 months 67 months 67 months Weighted Average Remaining Term 61 months 59 months 58 months 56 months 57 months Weighted Average Seasoning 7 months 7 months 9 months 11 months 10 months New Vehicle % 87.45% 84.66% 85.32% 78.58% 84.20% Weighted Average FICO Score Weighted Average Custom Score Weighted Average LTV 94% 93% 91% 96% 95% Dollar Percentage by Segment (1)(2) Car 16.07% 21.98% 20.53% 22.30% 21.76% CUV 21.86% 24.41% 20.09% 22.29% 20.90% SUV 36.31% 24.42% 20.12% 26.16% 21.18% Truck 25.76% 29.19% 39.26% 29.25% 36.17% Top 5 Vehicle Models (1) 15.45% (Silverado) 20.23% (Silverado) 30.97% (Silverado) 20.13% (Silverado) 27.20% (Silverado) 11.94% (Tahoe) 7.95% (Tahoe) 6.07% (Tahoe) 9.64% (Yukon) 8.91% (Yukon) 10.63% (Yukon) 5.69% (Suburban) 4.71% (Yukon) 5.98% (Escalade) 5.52% (Escalade) 7.68% (Suburban) 5.62% (Escalade) 4.65% (Suburban) 5.57% (Tahoe) 5.09% (Sierra) 5.66% (Escalade) 5.13% (Sierra) 4.43% (Escalade) 4.59% (Suburban) 4.05% (Equinox) Original Term Distribution (1)(2) <=60 months 31.32% 42.37% 39.30% 38.79% 32.95% months 59.21% 47.14% 48.60% 49.52% 51.27% months 9.47% 10.49% 12.10% 11.69% 15.78% Initial Hard Enhancement (3) Class A Notes 6.10% 6.10% 6.10% 6.10% 6.10% Class B Notes 4.50% 4.50% 4.50% 4.50% 4.50% Class C Notes 3.00% 3.00% 3.00% 3.00% 3.00% Overcollateralization & Reserve Account (3) Initial O/C 1.50% 1.50% 1.50% 1.50% 1.50% Target O/C 2.00% 2.00% 2.00% 2.00% 2.00% Reserve Account (non-declining) 0.25% 0.25% 0.25% 0.25% 0.25% 1) Unadjusted aggregate principal balance 2) Percentages may not sum to 100% due to rounding 3) Percentage of initial adjusted pool balance 26

27 FLOORPLAN OVERVIEW 27

28 COMMERCIAL LENDING PLATFORM As GM s captive finance company, GMF provides dealers with lending services that are fully aligned with the manufacturer Provides full suite of commercial lending products with availability across economic cycles Floorplan represents more than 90% of total commercial portfolio U.S. platform built organically under industry veteran leadership On-boarded first dealer in April 2012 GM Dealer Penetration U.S. FP Dealer O/S ($M) U.S. FP Dealers 433 $2, $3, $5, $7,796 $7,920 4Q14 4Q15 4Q16 4Q17 1Q18 9.1% 12.8% 15.9% 20.2% 21.6% New Outstanding Balances by Manufacturer (as of 3/31/18) GM 93% Non-GM 7% 32% Outstanding Balances by Dealer Risk Rating (as of 3/31/18) 6% 1% 21% 40% A B C D Other 28

29 GFORT PLATFORM HIGHLIGHTS 29

30 GFORT TRUST COMPOSITION DEALER BASE & AGING GM Franchise Dealers by Principal Balance 1 GM Franchise Dealers by # of Dealers 100% 100% 75% 75% 50% 93% 92% 94% 94% 93% 94% 94% 95% 95% 96% 93% 93% 93% 50% 90% 90% 90% 91% 91% 91% 91% 92% 92% 93% 93% 93% 93% 25% 25% 0% 0% GM Franchise Dealers Non-GM Franchise Dealers GM Franchise Dealers Non-GM Franchise Dealers 100% 75% Age Distribution by Principal Balance 1 13% 9% 10% 11% 14% 10% 9% 11% 16% 10% 14% 11% 13% 50% 25% 73% 76% 79% 80% 75% 77% 80% 80% 72% 73% 68% 76% 75% 0% Days Days Days 271+ Days 1) Principal Balance of Receivables is gross of the Cash Management Account Balance 30

31 GFORT DEALER CREDIT UTILIZATION 10,000 8,000 6,000 4,000 2,000 0 Ending Principal Balance and Credit Line 1 ($M) Ending Credit Line Ending Principal Balance 100% 80% 60% 40% 20% 0% Credit Line Utilization Percentage 1 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% CMA as % of Gross Pool Balance 6.6%6.7% 5.4% 4.6% 4.9% 5.2% 5.1% 4.7% 4.9% 5.6% 4.5% 8.0% 1) Principal Balance of Receivables is gross of the Cash Management Account Balance 31

32 GFORT MONTHLY PAYMENT RATE HISTORY GFORT Monthly Payment Rate Experience (3 Month Average) and Trigger Levels 60% Credit Enhancement Step-up 1 (% of Series Amount) 55% GFORT 1st Step-Up Target OC Target Reserve 18.50% 3.15% 50% 2nd Step-Up 3rd Step-Up 21.68% 5.50% 25.14% 8.05% 3 Month Average MPR 45% 40% 35% 30% 39.7% 36.7% Early Amortization Trigger 44.1% 25% 25.0% 22.5% 20% 20.0% 17.5% 15% 1) Credit enhancement will step-up via OC or reserve at GMF s discretion and the step-up can be released subject to MPR performance 32

33 GFORT TRANSACTION SUMMARY GFORT: Series Structure Summary Series Initial Invested Amount $600,000,000 $200,000,000 $414,727,000 $1,451,600,000 $900,000,000 $1,007,191,000 $750,000,000 Offered Notes AAA-A AAA-BBB AAA-A AAA-A AAA-A AAA-A AAA-BBB AAA Fixed / Float Split (% of AAA Notes) 86% / 14% 0% / 100% 0% / 100% 43% / 57% 50% / 50% 53% / 47% 80% / 20% Average Life (years) Expected Final Distribution Mar 2021 Mar 2020 Aug 2019 Jul 2020 Jan 2020 May 2019 May 2018 Offering Type 144A 144A 144A 144A 144A 144A 144A Total Hard Credit Enhancement % of Nominal Liquidation Amount Class A Notes 27.86% 27.86% 27.86% 27.86% 27.86% 27.86% 29.36% Class B Notes 22.86% 22.86% 22.86% 22.86% 22.86% 22.86% 24.61% Class C Notes 18.36% 18.36% 18.36% 18.36% 18.36% 18.36% 18.86% Class D Notes 14.36% 14.36% 14.36% 14.36% 14.36% 14.36% 14.86% Overcollateralization 13.50% 13.50% 13.50% 13.50% 13.50% 13.50% 14.00% Reserve Account 0.86% 0.86% 0.86% 0.86% 0.86% 0.86% 0.86% % of Series Invested Amount Class A Notes 32.21% 32.21% 32.21% 32.21% 32.21% 32.21% 34.14% Class B Notes 26.43% 26.43% 26.43% 26.43% 26.43% 26.43% 28.62% Class C Notes 21.23% 21.23% 21.23% 21.23% 21.23% 21.23% 21.93% Class D Notes 16.61% 16.61% 16.61% 16.61% 16.61% 16.61% 17.28% Overcollateralization 15.61% 15.61% 15.61% 15.61% 15.61% 15.61% 16.28% Reserve Account 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% Capital Structure (% of NLA) AAA 73.00% 73.00% 73.00% 73.00% 73.00% 73.00% 71.50% AA 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 4.75% A 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 5.75% BBB 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% Note: The Nominal Liquidation Amount ( NLA ) equals the Series Invested Amount plus the required Series Overcollateralization Amount 33

34 GFORT SERIES STRUCTURE Credit enhancement will step up (either OC or reserve account) if the 3-month average monthly payment rate ( MPR ) drops below the trigger levels (can be cured subject to future MPR performance) 3-month Average Payment Rate Incremental OC 1 Credit Enhancement Step-up Incremental Reserve Account 2 Target OC 2 Target Reserve % 2.50% 2.15% 19.19% 3.15% % 2.75% 2.35% 22.38% 5.50% % 3.00% 2.55% 25.87% 8.05% Structure also provides incremental overcollateralization to cover any ineligible receivables in excess of the specified concentration limits Top Dealers Concentration Limits Vehicle / Other First 4.00% Medium Duty / Trucks 2.00% Second 3.50% Used 20.00% Third 3.00% Service / Demo Vehicles 7.50% Fourth 3.00% Fleet 2.00% All Others 2.50% Motor Holdings Dealers 5.00% 1) As a percentage of Initial Nominal Liquidation Amount 2) As a percentage of the Series Invested Amount 34

35 For more information, visit gmfinancial.com