COMMERCIAL LENDING SERVICES

WE’RE HERE TO HELP YOU ACCELERATE YOUR BUSINESS.As the captive finance company and wholly owned subsidiary of General Motors, GM Financial is a world-class organization with the horsepower to drive your business. GM Financial’s Commercial Lending program supports GM dealers and provides flexible financing and insurance solutions to help you succeed.

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FLOORPLAN PROGRAMGM Financial gives you floorplan financing and insurance options for your new, used, demo or rental inventory, without restrictions other lenders have.

NOTE: GM Financial may allow extensions for matured inventory — subject to monthly curtailments. Floorplan credit lines are discretionary in nature and can be amended or withdrawn at any time.

Standard Floorplan Parameters

Vehicle Type Advance Maturity Curtailments

New Vehicles 100% of invoice 18 months5% of the original amount financed per month, after the first 12 months

New Demonstrator Vehicles 100% of invoice 18 months 2% of the original amount financed per month

Used Vehicle and Auction Purchases (Current +7 years)

100% of auction price or wholesale value 6 months None

Used Demonstrator Vehicles 100% of wholesale value 6 months 2% of the original amount

financed per month

Service Rental/Service Loaner

100% of invoice or wholesale value 12 months 2% of the original amount

financed per month

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FLOORPLAN PROGRAM BENEFITSMaximize your Dealer Dividends• GM Financial floorplan dealers

earn Dealer Dividends at twice the rate as non-floorplan dealers.

• A cash-out option is available for floorplan dealers.

No retail penetration• Dealer floorplan rates are not

tied to retail penetration.

Reduced buy fees• GM Financial floorplan dealers receive

reduced buy fees for purchases on GMFDealerSource.com.

Increased customer retention• As the exclusive subvented lease

provider for GM, we are focused on returning the customer to your dealership and the GM brand.

Faster funding• Our FastTrack contract funding option

allows for quicker retail funding.

Kathy McCamy, Chief Financial Officer(Opposite, pictured with Paul Lynch, General Sales Manager)DePaula Chevrolet, Albany, New York

We were with our previous floorplan source for 30 years, so when it came time to transferring to a new floorplan lender, we had a tough decision to make. The impact on our bottom line sealed the deal — we put pencil to paper and realized we could save half a million annually in interest alone."

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DEALER LOAN PROGRAMExpand, enhance or modernize your dealership with a GM Financial dealer loan. Whether it’s Essential Brand Elements (EBE), real estate purchases, revolving lines of credit or shop equipment, GM Financial offers flexible terms, amortization and payment options.

Loan Type Term Amortization Comments / Restrictions

Term Up to five years Up to five years <$100k up to three-year term>$100k up to five-year term

Revolving Line of Credit One year Interest only Credit line detemined by

borrower’s available security

Real Estate: Construction 12-18 months Interest only

Up to 80% of land and 100% of hard construction costs

Real Estate: Permanent Up to five years Up to 20 years Up to 80% of appraised value

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GM Financial helped me fund my EBE renovation with its suite of loan products. While there were a lot of plan changes and pain points during my construction project, GM Financial was the one constant that I could count on during the entire process. I am very happy that I chose to do business with GM Financial."

Robert Morris, Dealer PrincipalMorris Buick GMC CadillacNorth Olmstead, Ohio

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FLOORPLAN INSURANCE PROGRAMFeatures of our program include: • GM-supported program

• Comprehensive and blanket collision coverage for new, demonstrator, service loaner and used floorplan inventory

• Deductibles from $1,000-$5,000

• Make only one monthly payment — premiums are included in your monthly floorplan statement

Physical damage policy features: • Spot delivery

• Credit identity fraud

• Emergency inventory relocation assistance

• False pretense

• Economic loss coverage

• Wind/hail aggregate deductible

Protect your dealership and your assets with floorplan insurance from GM Financial.

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CASH MANAGEMENT PROGRAMOur flexible cash management program helps to reduce your floorplan expense, while maintaining liquidity, by allowing you to:

• Use excess cash to offset monthly floorplan interest

• Offset up to 50% of your floorplan outstandings

“ I had a large hail claim shortly after signing up with the GM Financial floorplan insurance program. I couldn’t be happier with the speed and professionalism with which the adjusters took care of my claim. I would definitely recommend GM Financial’s floorplan insurance program."

Frank Laskaris, President and CEOCadillac of Naperville, Illinois

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ACCESS YOUR COMMERCIAL LENDING INFORMATION ONLINEGM Financial’s Dealer Access System (DAS) is an innovative online portal that provides GM Financial dealers with real-time account and payment information. You can also review reports and generate critical management data, including available credit, outstanding balances and inventory aging information.

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READY TO PUT YOUR DEALERSHIP IN HIGH GEAR?We're ready to help you get started. Talk to your Dealer Relationship Manager, or visit dealers.gmfinancial.com.

Contact Commercial Lending Services directly at CommercialLending@gmfinancial.com, or by calling 866-537-5051.

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