1. Ally Bank By: Rebecca Ochoa

2. Ally History Ally Financial Inc. was founded in 1919 as the General Motors Acceptance Corporation (GMAC), a provider of financing to automotive customers. Since then, the business has expanded to include insurance, direct banking, mortgage operations and commercial finance.

3. About Ally Ally Financial Inc. is one of the world's largest automotive financial services companies. As the official preferred source of financing for General Motors, Chrysler, Saab, and Thor Industries vehicles, Ally offers a full suite of automotive financing products and services in key markets around the world. Ally Bank, offers online retail banking products and operates as a bank holding company (a company created to buy and possess the shares of other companies, which it then controls)

4. The Global Reach of Ally The Americas –U.S., Brazil, Chile, Colombia, Mexico, and Venezuela Europe – U.K. Austria, Czech Republic, France, Germany, Greece, Italy, Netherlands, Portugal, Slovak Republic, Spain, and Switzerland Canada China

5. Checking No minimum deposit to open and no monthly maintenance fees No ATM fees at any ATM nationwide What you get for free –Online Banking, Online Bill Pay, Debit MasterCard®, ATM access, Online Alerts, Overdraft Transfer Service, Ally standard checks, Postage paid deposit envelopes

6. Checking What Ally Charges Monthly Maintenance$0 Overdraft Item Paid or Overdraft Item Returned (maximum 1 fee per day) $9 Stop payment item$15 Returned deposit item$7.5 Cross Border/Currency Conversion Transaction Up to 1% of the transaction

7. Checking Ally standard checks prices vary on custom check styles $0 Official/Cashier's Checks$0 Check images online$0 Statement copies online$0 Incoming & Outgoing Collections (domestic & international $0 Incoming Wires (domestic & international)$0 Outgoing Wires (domestic & international)$20 Expedited Delivery for items: debit card, checks, etc. $15 Account Research Fee$25 per hour

8. Saving Overview No minimum deposit to open No monthly maintenance fees Other fees, such as those for returned deposit items and outgoing wires, may reduce earnings Daily compounded interest for maximum earnings FDIC insured to the maximum allowed by law. Maximize your coverage Six transactions per statement cycle with no fees. Your actual variable rate will go into effect when you make your opening deposit Ally's Online Savings Account rate is accurate as of 11/1/2011.

9. High Yield CD Top competitor rates Product highlights Monthly maintenance fees Minimum opening deposit Available as an IRA 1.00 % Fixed APY 12 months Get maximum savings with our highest fixed CD rate. Create steady income with your earned interest. NoneNo minimum deposit to open Yes

10. Raise Your Rate CD Top competitor rates Product highlights Monthly maintenance fees Minimum opening deposit Available as an IRA 1.19 % Variable APY 2 years 1.65 % Variable APY4 years More flexibility: lock in a great rate now, plus have the option of increasing your interest rate if our rates go up during your CD's term NoneNo minimum deposit to open yes

11. No Penalty CD Top competitor rates Product highlights Monthly maintenance fees Minimum opening deposit Available as an IRA 0.95 % Fixed APY 11 months Get the option of a no penalty early withdrawal in case you need your money before maturity NoneNo minimum deposit to open No

12. Online Savings Top competitor rates Product highlights Monthly maintenance fees Minimum opening deposit Available as an IRA 0.89 % Variable APY Earn a higher rate than your traditional savings account. Manage your money online for free NoneNo minimum deposit to open Yes

13. Money Market Top competitor rates Product highlights Monthly maintenance fees Minimum opening deposit Available as an IRA 0.89 % Variable APY Access your money online or with a free check card. Save with a higher-than- average rate NoneNo minimum deposit to open No

14. Ally Auto Online Services Convenient, 24/7 account access Fast and easy registration Free online payments (Auto Pay)Auto Pay Paperless, online statementsonline statements Payment history and account information Ability to get a payoff quote and pay off accounts online Ability to get a Returned Vehicle Quote online

15. Compare Buying & Leasing Ownership You own the vehicleDrive a new vehicle more often Mileage limits No limits The value of your vehicle may decline with higher mileage Mileage limits Charges for excess mileage above amount agreed to in your lease agreement Maintenance/Wear You choose what and when to repair You can change the appearance of the vehicle Leasing company sets maintenance guidelines Vehicle appearance can't be changed Monthly Payments Usually higher (compared to leasing) Pay for vehicle over term of the contract Usually lower (compared to buying) Pay only for use of the vehicle, if available. Ownership requires significant additional payment at end of term.

16. Auto financing for your business Ally has financing options that can be customized for your business. Financing offers a number of advantages, including: Ownership of the vehicle, titled in business' name No restraints on mileage or wear Ability to sell or trade in the vehicle at any time What types of vehicles are eligible? –All types are eligible.

17. Smart Lease for business A Business SmartLease offers a number of specific business benefits: Most SmartLease terms end before the new- vehicle limited warranty ends, so the manufacturer typically pays for major covered repairs during the lease term. You can obtain new vehicles more often, maintaining a professional image through more frequent fleet replacement. You get protection against depreciation risks or trade-in worries

18. ComTRAC Ally’s ComTRAC lease is an open-ended lease that can be good for your business. This is because the cost of the vehicles can be depreciated or expensed. Choose from a wide range of new vehicles: Passenger cars Light-duty trucks Medium-duty trucks of any make or model (including those with unusual or specialized up- fits or high-mileage requirements)

19. ComTRAC (cont) A ComTRAC Lease offers a number of business benefits: Tailored residual value to meet your needs – this gives you more flexibility in determining monthly payments and managing your cash flow Unlimited mileage No excess wear charges New vehicles to your fleet added quickly and easily Terms up to 60 months

20. Municipal Lease-Purchase Plan Our Municipal Lease-Purchase Program was specifically designed for municipalities that intend to own their vehicles. It’s a financing program that combines elements of both financing and leasing. And it’s ideal for eligible entities interested in financing essential use vehicles used for municipal business — with tax-exempt interest rates.

21. The foundation of a business fleet Ally’s Commercial Line of Credit, which includes pre-approval for vehicle financing, is a convenient way for qualified companies to build business fleets – without a fee. It’s flexible enough to meet the needs of almost any business, and can be applied to passenger cars or light- and medium-duty business vehicles of any make or model. Vehicle conversions can be performed by any approved up-fitter.

22. Keep your business transactions with the business Benefits: Build credit in a business name only Debt will not show up on your personal credit bureau report, unless the Guarantor is unable to pay in the event of default Added protection from liability, since the Guarantor's name stays off the vehicle's title and contract. (As opposed to a co-buyer, whose name always appears on the title and contract) Provides additional security on a transaction, without forcing someone to be a co-buyer on the transaction

23. Keep your business transactions with the business (cont) Guarantor responsibilities: Responsible for payment in the event of a default If the primary customer on the contract defaults, the guarantor will be contacted to arrange payment If the guarantor refuses to pay the debt, that default will be reported to both the customer and guarantor's credit bureau

24. Commercial!!!!