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rg BT 385.79 514.70 Td (ef) Tj ET Q q 0 0 0 rg BT 395.58 514.70 Td (fects ) Tj ET Q q 0 0 0 rg BT 424.32 514.70 Td (on ) Tj ET Q q 0 0 0 rg BT 441.07 514.70 Td (the ) Tj ET Q q 0 0 0 rg BT 461.15 514.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 508.58 514.70 Td (stability ) Tj ET Q q 0 0 0 rg BT 552.00 514.70 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 500.30 Td (the ) Tj ET Q q 0 0 0 rg BT 69.83 500.30 Td (United ) Tj ET Q q 0 0 0 rg BT 107.67 500.30 Td (States. ) Tj ET Q q 0 0 0 rg BT 148.17 500.30 Td ( ) Tj ET Q q 0 0 0 rg BT 150.70 500.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 181.47 500.30 Td (Section ) Tj ET Q q 0 0 0 rg BT 224.65 500.30 Td (165 ) Tj ET Q q 0 0 0 rg BT 247.82 500.30 Td (Plan ) Tj ET Q q 0 0 0 rg BT 274.99 500.30 Td (must ) Tj ET Q q 0 0 0 rg BT 304.14 500.30 Td (also ) Tj ET Q q 0 0 0 rg BT 329.31 500.30 Td (describe ) Tj ET Q q 0 0 0 rg BT 377.19 500.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 407.96 500.30 Td (strategy ) Tj ET Q q 0 0 0 rg BT 453.80 500.30 Td (for ) Tj ET Q q 0 0 0 rg BT 470.95 500.30 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 520.13 500.30 Td (that ) Tj ET Q q 0 0 0 rg BT 542.67 500.30 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 485.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 80.71 485.90 Td (would ) Tj ET Q q 0 0 0 rg BT 115.43 485.90 Td (be ) Tj ET Q q 0 0 0 rg BT 132.14 485.90 Td (adequately ) Tj ET Q q 0 0 0 rg BT 194.22 485.90 Td (protected ) Tj ET Q q 0 0 0 rg BT 247.61 485.90 Td (from ) Tj ET Q q 0 0 0 rg BT 274.97 485.90 Td (risks ) Tj ET Q q 0 0 0 rg BT 303.00 485.90 Td (arising ) Tj ET Q q 0 0 0 rg BT 341.71 485.90 Td (from ) Tj ET Q q 0 0 0 rg BT 369.07 485.90 Td (the ) Tj ET Q q 0 0 0 rg BT 389.11 485.90 Td (activities ) Tj ET Q q 0 0 0 rg BT 438.49 485.90 Td (of ) Tj ET Q q 0 0 0 rg BT 451.19 485.90 Td (AFI ) Tj ET Q q 0 0 0 rg BT 473.22 485.90 Td (and ) Tj ET Q q 0 0 0 rg BT 496.60 485.90 Td (its ) Tj ET Q q 0 0 0 rg BT 511.97 485.90 Td (non-bank ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 471.50 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 118.07 471.50 Td (\(other ) Tj ET Q q 0 0 0 rg BT 154.12 471.50 Td (than ) Tj ET Q q 0 0 0 rg BT 182.18 471.50 Td (those ) Tj ET Q q 0 0 0 rg BT 216.23 471.50 Td (that ) Tj ET Q q 0 0 0 rg BT 240.95 471.50 Td (are ) Tj ET Q q 0 0 0 rg BT 263.00 471.50 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 331.07 471.50 Td (of ) Tj ET Q q 0 0 0 rg BT 344.84 471.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 368.88 471.50 Td (Bank\). ) Tj ET Q q 0 0 0 rg BT 408.27 471.50 Td ( ) Tj ET Q q 0 0 0 rg BT 412.97 471.50 Td (Finally) Tj ET Q q 0 0 0 rg BT 446.76 471.50 Td (, ) Tj ET Q q 0 0 0 rg BT 453.86 471.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 477.90 471.50 Td (must ) Tj ET Q q 0 0 0 rg BT 508.60 471.50 Td (update ) Tj ET Q q 0 0 0 rg BT 550.01 471.50 Td (its ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 93.82 457.10 Td (165 ) Tj ET Q q 0 0 0 rg BT 117.63 457.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 145.44 457.10 Td (at ) Tj ET Q q 0 0 0 rg BT 159.24 457.10 Td (least ) Tj ET Q q 0 0 0 rg BT 188.38 457.10 Td (annually) Tj ET Q q 0 0 0 rg BT 232.20 457.10 Td (, ) Tj ET Q q 0 0 0 rg BT 239.32 457.10 Td (and ) Tj ET Q q 0 0 0 rg BT 262.38 457.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 285.51 457.10 Td (must ) Tj ET Q q 0 0 0 rg BT 315.31 457.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 358.46 457.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 394.27 457.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.07 457.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.55 457.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 473.03 457.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 521.51 457.10 Td (and ) Tj ET Q q 0 0 0 rg BT 545.32 457.10 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 442.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 80.36 442.70 Td (of ) Tj ET Q q 0 0 0 rg BT 92.73 442.70 Td (any ) Tj ET Q q 0 0 0 rg BT 114.44 442.70 Td (event, ) Tj ET Q q 0 0 0 rg BT 149.50 442.70 Td (occurrence, ) Tj ET Q q 0 0 0 rg BT 214.56 442.70 Td (change ) Tj ET Q q 0 0 0 rg BT 256.29 442.70 Td (in ) Tj ET Q q 0 0 0 rg BT 267.99 442.70 Td (conditions ) Tj ET Q q 0 0 0 rg BT 324.39 442.70 Td (or ) Tj ET Q q 0 0 0 rg BT 337.42 442.70 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 419.81 442.70 Td (or ) Tj ET Q q 0 0 0 rg BT 432.84 442.70 Td (other ) Tj ET Q q 0 0 0 rg BT 462.56 442.70 Td (change ) Tj ET Q q 0 0 0 rg BT 504.29 442.70 Td (that ) Tj ET Q q 0 0 0 rg BT 526.67 442.70 Td (results ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 428.30 Td (in ) Tj ET Q q 0 0 0 rg BT 62.67 428.30 Td (or ) Tj ET Q q 0 0 0 rg BT 76.68 428.30 Td (could ) Tj ET Q q 0 0 0 rg BT 108.70 428.30 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 170.74 428.30 Td (be ) Tj ET Q q 0 0 0 rg BT 187.42 428.30 Td (foreseen ) Tj ET Q q 0 0 0 rg BT 237.45 428.30 Td (to ) Tj ET Q q 0 0 0 rg BT 250.79 428.30 Td (have ) Tj ET Q q 0 0 0 rg BT 280.15 428.30 Td (a ) Tj ET Q q 0 0 0 rg BT 290.16 428.30 Td (material ) Tj ET Q q 0 0 0 rg BT 336.17 428.30 Td (ef) Tj ET Q q 0 0 0 rg BT 345.96 428.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 368.64 428.30 Td (on ) Tj ET Q q 0 0 0 rg BT 384.66 428.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 415.62 428.30 Td (resolution.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 401.90 Td (A) Tj ET Q q 0 0 0 rg BT 57.34 401.90 Td ( ) Tj ET Q q 0 0 0 rg BT 60.26 401.90 Td (separate ) Tj ET Q q 0 0 0 rg BT 109.87 401.90 Td (regulation ) Tj ET Q q 0 0 0 rg BT 165.49 401.90 Td (issued ) Tj ET Q q 0 0 0 rg BT 203.10 401.90 Td (by ) Tj ET Q q 0 0 0 rg BT 218.69 401.90 Td (the ) Tj ET Q q 0 0 0 rg BT 238.28 401.90 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 269.19 401.90 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 277.18603515625 400.1890625 m 320.115234375 400.1890625 l s q 0 0 0 rg BT 277.19 401.90 Td (IDI ) Tj ET Q q 0 0 0 rg BT 295.44 401.90 Td (Rule) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 320.12 401.90 Td (\) ) Tj ET Q q 0 0 0 rg BT 331.02 401.90 Td (and, ) Tj ET Q q 0 0 0 rg BT 357.29 401.90 Td (together ) Tj ET Q q 0 0 0 rg BT 404.24 401.90 Td (with ) Tj ET Q q 0 0 0 rg BT 428.50 401.90 Td (the ) Tj ET Q q 0 0 0 rg BT 448.10 401.90 Td (Section165 ) Tj ET Q q 0 0 0 rg BT 514.39 401.90 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 545.32 401.90 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 387.50 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 57.9921875 385.7890625 m 88.671875 385.7890625 l s q 0 0 0 rg BT 57.99 387.50 Td (Rules) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 88.67 387.50 Td (\) ) Tj ET Q q 0 0 0 rg BT 99.93 387.50 Td (requires ) Tj ET Q q 0 0 0 rg BT 145.90 387.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 168.50 387.50 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 202.45 387.50 Td (as ) Tj ET Q q 0 0 0 rg BT 218.39 387.50 Td (an ) Tj ET Q q 0 0 0 rg BT 235.00 387.50 Td (FDIC-insured ) Tj ET Q q 0 0 0 rg BT 309.61 387.50 Td (depository ) Tj ET Q q 0 0 0 rg BT 368.24 387.50 Td (institution ) Tj ET Q q 0 0 0 rg BT 422.20 387.50 Td (with ) Tj ET Q q 0 0 0 rg BT 446.80 387.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 484.75 387.50 Td (of ) Tj ET Q q 0 0 0 rg BT 498.02 387.50 Td ($50.0 ) Tj ET Q q 0 0 0 rg BT 531.31 387.50 Td (billion ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (or ) Tj ET Q q 0 0 0 rg BT 64.92 373.10 Td (more, ) Tj ET Q q 0 0 0 rg BT 99.84 373.10 Td (to ) Tj ET Q q 0 0 0 rg BT 114.09 373.10 Td (submit ) Tj ET Q q 0 0 0 rg BT 153.68 373.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.94 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.87 373.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 221.11 373.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.03 373.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 258.97 373.10 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 266.9580078125 371.3890625 m 310.556640625 371.3890625 l s q 0 0 0 rg BT 266.96 373.10 Td (IDI ) Tj ET Q q 0 0 0 rg BT 286.54 373.10 Td (Plan) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 310.56 373.10 Td (\) ) Tj ET Q q 0 0 0 rg BT 322.80 373.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 350.40 373.10 Td (together ) Tj ET Q q 0 0 0 rg BT 398.68 373.10 Td (with ) Tj ET Q q 0 0 0 rg BT 424.27 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.19 373.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 489.47 373.10 Td (165 ) Tj ET Q q 0 0 0 rg BT 513.74 373.10 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 545.33 373.10 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 358.70 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 57.9921875 356.9890625 m 88.009765625 356.9890625 l s q 0 0 0 rg BT 57.99 358.70 Td (Plans) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 88.01 358.70 Td (\) ) Tj ET Q q 0 0 0 rg BT 99.81 358.70 Td (demonstrating ) Tj ET Q q 0 0 0 rg BT 179.67 358.70 Td (how ) Tj ET Q q 0 0 0 rg BT 204.74 358.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 227.89 358.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 259.05 358.70 Td (could ) Tj ET Q q 0 0 0 rg BT 291.55 358.70 Td (be ) Tj ET Q q 0 0 0 rg BT 308.71 358.70 Td (resolved ) Tj ET Q q 0 0 0 rg BT 357.88 358.70 Td (in ) Tj ET Q q 0 0 0 rg BT 371.03 358.70 Td (an ) Tj ET Q q 0 0 0 rg BT 388.19 358.70 Td (orderly ) Tj ET Q q 0 0 0 rg BT 428.69 358.70 Td (and ) Tj ET Q q 0 0 0 rg BT 452.52 358.70 Td (timely ) Tj ET Q q 0 0 0 rg BT 487.67 358.70 Td (manner ) Tj ET Q q 0 0 0 rg BT 532.17 358.70 Td (in ) Tj ET Q q 0 0 0 rg BT 545.32 358.70 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 344.30 Td (event ) Tj ET Q q 0 0 0 rg BT 83.12 344.30 Td (of ) Tj ET Q q 0 0 0 rg BT 96.89 344.30 Td (receivership. ) Tj ET Q q 0 0 0 rg BT 168.68 344.30 Td ( ) Tj ET Q q 0 0 0 rg BT 172.19 344.30 Td (The ) Tj ET Q q 0 0 0 rg BT 196.63 344.30 Td (IDI ) Tj ET Q q 0 0 0 rg BT 215.73 344.30 Td (Rule ) Tj ET Q q 0 0 0 rg BT 244.17 344.30 Td (is ) Tj ET Q q 0 0 0 rg BT 256.60 344.30 Td (intended ) Tj ET Q q 0 0 0 rg BT 306.41 344.30 Td (to ) Tj ET Q q 0 0 0 rg BT 320.18 344.30 Td (complement ) Tj ET Q q 0 0 0 rg BT 389.30 344.30 Td (the ) Tj ET Q q 0 0 0 rg BT 409.74 344.30 Td (resolution ) Tj ET Q q 0 0 0 rg BT 465.54 344.30 Td (plan ) Tj ET Q q 0 0 0 rg BT 491.99 344.30 Td (requirements ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 329.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.47 329.90 Td (the ) Tj ET Q q 0 0 0 rg BT 83.61 329.90 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 149.74 329.90 Td (Act. ) Tj ET Q q 0 0 0 rg BT 173.87 329.90 Td ( ) Tj ET Q q 0 0 0 rg BT 177.10 329.90 Td (The ) Tj ET Q q 0 0 0 rg BT 201.24 329.90 Td (IDI ) Tj ET Q q 0 0 0 rg BT 220.03 329.90 Td (Plan ) Tj ET Q q 0 0 0 rg BT 247.51 329.90 Td (must ) Tj ET Q q 0 0 0 rg BT 276.98 329.90 Td (ensure ) Tj ET Q q 0 0 0 rg BT 317.13 329.90 Td (that ) Tj ET Q q 0 0 0 rg BT 340.60 329.90 Td (depositors ) Tj ET Q q 0 0 0 rg BT 399.43 329.90 Td (receive ) Tj ET Q q 0 0 0 rg BT 441.57 329.90 Td (access ) Tj ET Q q 0 0 0 rg BT 482.38 329.90 Td (to ) Tj ET Q q 0 0 0 rg BT 495.84 329.90 Td (their ) Tj ET Q q 0 0 0 rg BT 522.65 329.90 Td (insured ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 315.50 Td (deposits ) Tj ET Q q 0 0 0 rg BT 98.04 315.50 Td (within ) Tj ET Q q 0 0 0 rg BT 132.06 315.50 Td (one ) Tj ET Q q 0 0 0 rg BT 155.42 315.50 Td (business ) Tj ET Q q 0 0 0 rg BT 206.12 315.50 Td (day ) Tj ET Q q 0 0 0 rg BT 228.81 315.50 Td (of ) Tj ET Q q 0 0 0 rg BT 241.49 315.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 264.17 315.50 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 303.15 315.50 Td (failure ) Tj ET Q q 0 0 0 rg BT 339.18 315.50 Td (\(two ) Tj ET Q q 0 0 0 rg BT 365.19 315.50 Td (business ) Tj ET Q q 0 0 0 rg BT 415.89 315.50 Td (days ) Tj ET Q q 0 0 0 rg BT 444.58 315.50 Td (if ) Tj ET Q q 0 0 0 rg BT 453.92 315.50 Td (the ) Tj ET Q q 0 0 0 rg BT 473.94 315.50 Td (failure ) Tj ET Q q 0 0 0 rg BT 509.96 315.50 Td (occurs ) Tj ET Q q 0 0 0 rg BT 548.65 315.50 Td (on ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (a ) Tj ET Q q 0 0 0 rg BT 60.08 301.10 Td (day ) Tj ET Q q 0 0 0 rg BT 82.83 301.10 Td (other ) Tj ET Q q 0 0 0 rg BT 113.58 301.10 Td (than ) Tj ET Q q 0 0 0 rg BT 140.34 301.10 Td (Friday\), ) Tj ET Q q 0 0 0 rg BT 184.41 301.10 Td (must ) Tj ET Q q 0 0 0 rg BT 213.82 301.10 Td (maximize ) Tj ET Q q 0 0 0 rg BT 267.89 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.97 301.10 Td (net ) Tj ET Q q 0 0 0 rg BT 308.06 301.10 Td (present ) Tj ET Q q 0 0 0 rg BT 351.49 301.10 Td (value ) Tj ET Q q 0 0 0 rg BT 383.58 301.10 Td (return ) Tj ET Q q 0 0 0 rg BT 418.33 301.10 Td (from ) Tj ET Q q 0 0 0 rg BT 445.73 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.81 301.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 491.23 301.10 Td (or ) Tj ET Q q 0 0 0 rg BT 505.30 301.10 Td (disposition ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 286.70 Td (of ) Tj ET Q q 0 0 0 rg BT 64.11 286.70 Td (its ) Tj ET Q q 0 0 0 rg BT 80.20 286.70 Td (assets, ) Tj ET Q q 0 0 0 rg BT 122.32 286.70 Td (and ) Tj ET Q q 0 0 0 rg BT 146.44 286.70 Td (must ) Tj ET Q q 0 0 0 rg BT 176.54 286.70 Td (minimize ) Tj ET Q q 0 0 0 rg BT 227.97 286.70 Td (the ) Tj ET Q q 0 0 0 rg BT 248.75 286.70 Td (amount ) Tj ET Q q 0 0 0 rg BT 292.88 286.70 Td (of ) Tj ET Q q 0 0 0 rg BT 306.98 286.70 Td (any ) Tj ET Q q 0 0 0 rg BT 330.43 286.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 355.86 286.70 Td (to ) Tj ET Q q 0 0 0 rg BT 369.97 286.70 Td (be ) Tj ET Q q 0 0 0 rg BT 387.41 286.70 Td (realized ) Tj ET Q q 0 0 0 rg BT 433.54 286.70 Td (by ) Tj ET Q q 0 0 0 rg BT 449.49 286.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 472.93 286.70 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 512.67 286.70 Td (creditors. ) Tj ET Q q 0 0 0 rg BT 565.35 286.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 272.30 Td (The ) Tj ET Q q 0 0 0 rg BT 73.74 272.30 Td (IDI ) Tj ET Q q 0 0 0 rg BT 92.13 272.30 Td (Plan ) Tj ET Q q 0 0 0 rg BT 119.21 272.30 Td (must ) Tj ET Q q 0 0 0 rg BT 148.28 272.30 Td (also ) Tj ET Q q 0 0 0 rg BT 173.35 272.30 Td (describe ) Tj ET Q q 0 0 0 rg BT 221.77 272.30 Td (a ) Tj ET Q q 0 0 0 rg BT 231.50 272.30 Td (strategy ) Tj ET Q q 0 0 0 rg BT 277.25 272.30 Td (for ) Tj ET Q q 0 0 0 rg BT 294.31 272.30 Td (separating ) Tj ET Q q 0 0 0 rg BT 352.80 272.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 375.20 272.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 405.61 272.30 Td (from ) Tj ET Q q 0 0 0 rg BT 432.67 272.30 Td (the ) Tj ET Q q 0 0 0 rg BT 451.81 272.30 Td (AFI ) Tj ET Q q 0 0 0 rg BT 473.54 272.30 Td (organization ) Tj ET Q q 0 0 0 rg BT 541.98 272.30 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 257.90 Td (for ) Tj ET Q q 0 0 0 rg BT 67.51 257.90 Td (the ) Tj ET Q q 0 0 0 rg BT 87.71 257.90 Td (sale ) Tj ET Q q 0 0 0 rg BT 113.23 257.90 Td (of ) Tj ET Q q 0 0 0 rg BT 126.05 257.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 148.90 257.90 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 188.05 257.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 230.25 257.90 Td (franchise, ) Tj ET Q q 0 0 0 rg BT 285.79 257.90 Td (Core ) Tj ET Q q 0 0 0 rg BT 315.31 257.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 367.51 257.90 Td (Lines, ) Tj ET Q q 0 0 0 rg BT 403.04 257.90 Td (and ) Tj ET Q q 0 0 0 rg BT 426.57 257.90 Td (major ) Tj ET Q q 0 0 0 rg BT 460.09 257.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 498.28 257.90 Td (that, ) Tj ET Q q 0 0 0 rg BT 525.14 257.90 Td (in ) Tj ET Q q 0 0 0 rg BT 537.99 257.90 Td (turn, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 243.50 Td (can ) Tj ET Q q 0 0 0 rg BT 72.50 243.50 Td (be ) Tj ET Q q 0 0 0 rg BT 88.99 243.50 Td (demonstrated ) Tj ET Q q 0 0 0 rg BT 165.52 243.50 Td (to ) Tj ET Q q 0 0 0 rg BT 178.67 243.50 Td (be ) Tj ET Q q 0 0 0 rg BT 195.17 243.50 Td (the ) Tj ET Q q 0 0 0 rg BT 215.00 243.50 Td (least ) Tj ET Q q 0 0 0 rg BT 243.50 243.50 Td (costly ) Tj ET Q q 0 0 0 rg BT 277.32 243.50 Td (to ) Tj ET Q q 0 0 0 rg BT 290.47 243.50 Td (the ) Tj ET Q q 0 0 0 rg BT 310.30 243.50 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 354.14 243.50 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 409.99 243.50 Td (Fund ) Tj ET Q q 0 0 0 rg BT 440.49 243.50 Td (of ) Tj ET Q q 0 0 0 rg BT 453.64 243.50 Td (all ) Tj ET Q q 0 0 0 rg BT 468.80 243.50 Td (possible ) Tj ET Q q 0 0 0 rg BT 515.97 243.50 Td (methods ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (for ) Tj ET Q q 0 0 0 rg BT 67.04 229.10 Td (resolving ) Tj ET Q q 0 0 0 rg BT 117.50 229.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 139.88 229.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 173.60 229.10 Td ( ) Tj ET Q q 0 0 0 rg BT 176.64 229.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 210.43 229.10 Td (, ) Tj ET Q q 0 0 0 rg BT 216.20 229.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 238.57 229.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 268.96 229.10 Td (must ) Tj ET Q q 0 0 0 rg BT 298.01 229.10 Td (update ) Tj ET Q q 0 0 0 rg BT 337.75 229.10 Td (its ) Tj ET Q q 0 0 0 rg BT 352.79 229.10 Td (IDI ) Tj ET Q q 0 0 0 rg BT 371.16 229.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 398.22 229.10 Td (at ) Tj ET Q q 0 0 0 rg BT 411.27 229.10 Td (least ) Tj ET Q q 0 0 0 rg BT 439.65 229.10 Td (annually) Tj ET Q q 0 0 0 rg BT 483.47 229.10 Td (, ) Tj ET Q q 0 0 0 rg BT 489.84 229.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.30 229.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 534.67 229.10 Td (Bank ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 214.70 Td (must ) Tj ET Q q 0 0 0 rg BT 78.99 214.70 Td (provide ) Tj ET Q q 0 0 0 rg BT 121.33 214.70 Td (notice ) Tj ET Q q 0 0 0 rg BT 156.33 214.70 Td (to ) Tj ET Q q 0 0 0 rg BT 169.32 214.70 Td (the ) Tj ET Q q 0 0 0 rg BT 188.98 214.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 219.96 214.70 Td (of ) Tj ET Q q 0 0 0 rg BT 232.95 214.70 Td (any ) Tj ET Q q 0 0 0 rg BT 255.28 214.70 Td (event, ) Tj ET Q q 0 0 0 rg BT 290.96 214.70 Td (occurrence, ) Tj ET Q q 0 0 0 rg BT 356.63 214.70 Td (change ) Tj ET Q q 0 0 0 rg BT 398.98 214.70 Td (in ) Tj ET Q q 0 0 0 rg BT 411.31 214.70 Td (conditions ) Tj ET Q q 0 0 0 rg BT 468.32 214.70 Td (or ) Tj ET Q q 0 0 0 rg BT 481.98 214.70 Td (circumstances, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 200.30 Td (or ) Tj ET Q q 0 0 0 rg BT 64.52 200.30 Td (other ) Tj ET Q q 0 0 0 rg BT 95.71 200.30 Td (change ) Tj ET Q q 0 0 0 rg BT 138.93 200.30 Td (that ) Tj ET Q q 0 0 0 rg BT 162.79 200.30 Td (results ) Tj ET Q q 0 0 0 rg BT 201.98 200.30 Td (in ) Tj ET Q q 0 0 0 rg BT 215.16 200.30 Td (or ) Tj ET Q q 0 0 0 rg BT 229.68 200.30 Td (could ) Tj ET Q q 0 0 0 rg BT 262.21 200.30 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 324.76 200.30 Td (be ) Tj ET Q q 0 0 0 rg BT 341.95 200.30 Td (foreseen ) Tj ET Q q 0 0 0 rg BT 392.50 200.30 Td (to ) Tj ET Q q 0 0 0 rg BT 406.35 200.30 Td (have ) Tj ET Q q 0 0 0 rg BT 436.22 200.30 Td (a ) Tj ET Q q 0 0 0 rg BT 446.74 200.30 Td (material ) Tj ET Q q 0 0 0 rg BT 493.26 200.30 Td (ef) Tj ET Q q 0 0 0 rg BT 503.05 200.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 526.24 200.30 Td (on ) Tj ET Q q 0 0 0 rg BT 542.67 200.30 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 185.90 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 88.98 185.90 Td (resolution.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 159.50 Td (As ) Tj ET Q q 0 0 0 rg BT 67.75 159.50 Td (required ) Tj ET Q q 0 0 0 rg BT 115.53 159.50 Td (by ) Tj ET Q q 0 0 0 rg BT 131.95 159.50 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 197.05 159.50 Td (guidance, ) Tj ET Q q 0 0 0 rg BT 252.85 159.50 Td (the ) Tj ET Q q 0 0 0 rg BT 273.28 159.50 Td (Plans ) Tj ET Q q 0 0 0 rg BT 307.04 159.50 Td (consider ) Tj ET Q q 0 0 0 rg BT 356.15 159.50 Td (strategies ) Tj ET Q q 0 0 0 rg BT 411.92 159.50 Td (for ) Tj ET Q q 0 0 0 rg BT 429.68 159.50 Td (the ) Tj ET Q q 0 0 0 rg BT 450.11 159.50 Td (resolution ) Tj ET Q q 0 0 0 rg BT 505.89 159.50 Td (of ) Tj ET Q q 0 0 0 rg BT 518.90 159.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 541.99 159.50 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.01 145.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 104.03 145.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.04 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.39 145.10 Td (event ) Tj ET Q q 0 0 0 rg BT 170.42 145.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.10 145.10 Td (an ) Tj ET Q q 0 0 0 rg BT 201.12 145.10 Td (idiosyncratic ) Tj ET Q q 0 0 0 rg BT 270.81 145.10 Td (event ) Tj ET Q q 0 0 0 rg BT 303.84 145.10 Td (involving ) Tj ET Q q 0 0 0 rg BT 354.20 145.10 Td (an ) Tj ET Q q 0 0 0 rg BT 371.22 145.10 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 434.94 145.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 482.64 145.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 507.65 145.10 Td (or ) Tj ET Q q 0 0 0 rg BT 521.99 145.10 Td (liquidity ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 130.70 Td (crisis. ) Tj ET Q q 0 0 0 rg BT 84.61 130.70 Td ( ) Tj ET Q q 0 0 0 rg BT 88.55 130.70 Td (Further) Tj ET Q q 0 0 0 rg BT 126.57 130.70 Td (, ) Tj ET Q q 0 0 0 rg BT 133.85 130.70 Td (the ) Tj ET Q q 0 0 0 rg BT 154.48 130.70 Td (Plans ) Tj ET Q q 0 0 0 rg BT 188.44 130.70 Td (assume ) Tj ET Q q 0 0 0 rg BT 234.41 130.70 Td (that ) Tj ET Q q 0 0 0 rg BT 258.37 130.70 Td (this ) Tj ET Q q 0 0 0 rg BT 280.99 130.70 Td (idiosyncratic ) Tj ET Q q 0 0 0 rg BT 350.96 130.70 Td (event ) Tj ET Q q 0 0 0 rg BT 384.26 130.70 Td (occurs ) Tj ET Q q 0 0 0 rg BT 423.55 130.70 Td (at ) Tj ET Q q 0 0 0 rg BT 437.50 130.70 Td (a ) Tj ET Q q 0 0 0 rg BT 448.12 130.70 Td (time ) Tj ET Q q 0 0 0 rg BT 474.74 130.70 Td (when ) Tj ET Q q 0 0 0 rg BT 507.37 130.70 Td (other ) Tj ET Q q 0 0 0 rg BT 538.67 130.70 Td (U.S. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 116.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 97.36 116.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 157.39 116.30 Td (and ) Tj ET Q q 0 0 0 rg BT 180.75 116.30 Td (markets ) Tj ET Q q 0 0 0 rg BT 226.75 116.30 Td (are ) Tj ET Q q 0 0 0 rg BT 247.43 116.30 Td (not ) Tj ET Q q 0 0 0 rg BT 267.45 116.30 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 338.83 116.30 Td (system-wide ) Tj ET Q q 0 0 0 rg BT 408.84 116.30 Td (stress ) Tj ET Q q 0 0 0 rg BT 444.18 116.30 Td (or ) Tj ET Q q 0 0 0 rg BT 458.18 116.30 Td (panic.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 89.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.76 89.90 Td (supports ) Tj ET Q q 0 0 0 rg BT 124.21 89.90 Td (the ) Tj ET Q q 0 0 0 rg BT 145.32 89.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 203.11 89.90 Td (changes ) Tj ET Q q 0 0 0 rg BT 252.90 89.90 Td (that ) Tj ET Q q 0 0 0 rg BT 277.35 89.90 Td (have ) Tj ET Q q 0 0 0 rg BT 307.79 89.90 Td (been ) Tj ET Q q 0 0 0 rg BT 338.92 89.90 Td (made ) Tj ET Q q 0 0 0 rg BT 373.36 89.90 Td (since ) Tj ET Q q 0 0 0 rg BT 405.80 89.90 Td (the ) Tj ET Q q 0 0 0 rg BT 426.91 89.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 475.36 89.90 Td (crisis ) Tj ET Q q 0 0 0 rg BT 507.12 89.90 Td (in ) Tj ET Q q 0 0 0 rg BT 520.88 89.90 Td (2008 ) Tj ET Q q 0 0 0 rg BT 552.00 89.90 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 75.50 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 94.77 75.50 Td (systemic ) Tj ET Q q 0 0 0 rg BT 144.18 75.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 165.59 75.50 Td (and ) Tj ET Q q 0 0 0 rg BT 188.36 75.50 Td (improve ) Tj ET Q q 0 0 0 rg BT 233.79 75.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 280.57 75.50 Td (stability) Tj ET Q q 0 0 0 rg BT 319.69 75.50 Td (. ) Tj ET Q q 0 0 0 rg BT 325.77 75.50 Td ( ) Tj ET Q q 0 0 0 rg BT 327.97 75.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 350.06 75.50 Td (believes ) Tj ET Q q 0 0 0 rg BT 396.83 75.50 Td (that ) Tj ET Q q 0 0 0 rg BT 419.60 75.50 Td (resolution ) Tj ET Q q 0 0 0 rg BT 474.38 75.50 Td (planning ) Tj ET Q q 0 0 0 rg BT 522.50 75.50 Td (is ) Tj ET Q q 0 0 0 rg BT 533.91 75.50 Td (a ) Tj ET Q q 0 0 0 rg BT 543.33 75.50 Td (key ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (element ) Tj ET Q q 0 0 0 rg BT 95.38 61.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.07 61.10 Td (those ) Tj ET Q q 0 0 0 rg BT 140.11 61.10 Td (changes. ) Tj ET Q q 0 0 0 rg BT 191.50 61.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.65 61.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 215.67 61.10 Td (has ) Tj ET Q q 0 0 0 rg BT 237.70 61.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 295.77 61.10 Td (this ) Tj ET Q q 0 0 0 rg BT 317.13 61.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 352.49 61.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 395.20 61.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.90 61.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 448.59 61.10 Td (with ) Tj ET Q q 0 0 0 rg BT 472.62 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.98 61.10 Td (requirements ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 46.70 Td (applicable ) Tj ET Q q 0 0 0 rg BT 107.38 46.70 Td (to ) Tj ET Q q 0 0 0 rg BT 120.05 46.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 142.72 46.70 Td (and ) Tj ET Q q 0 0 0 rg BT 165.42 46.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 188.09 46.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 218.77 46.70 Td (under ) Tj ET Q q 0 0 0 rg BT 252.80 46.70 Td (the ) Tj ET Q q 0 0 0 rg BT 272.81 46.70 Td (Rules.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 729.30 Td (II.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.00 729.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 729.30 Td (Overview of ) Tj ET Q q 0 0 0 rg BT 156.92 729.30 Td (Ally) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 702.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.61 702.90 Td (is ) Tj ET Q q 0 0 0 rg BT 84.55 702.90 Td (a ) Tj ET Q q 0 0 0 rg BT 94.50 702.90 Td (leading, ) Tj ET Q q 0 0 0 rg BT 139.81 702.90 Td (independent, ) Tj ET Q q 0 0 0 rg BT 212.49 702.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 259.79 702.90 Td (services ) Tj ET Q q 0 0 0 rg BT 307.07 702.90 Td (firm ) Tj ET Q q 0 0 0 rg BT 330.34 702.90 Td (with ) Tj ET Q q 0 0 0 rg BT 354.96 702.90 Td ($166.2 ) Tj ET Q q 0 0 0 rg BT 394.94 702.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 428.90 702.90 Td (in ) Tj ET Q q 0 0 0 rg BT 441.51 702.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 479.47 702.90 Td (as ) Tj ET Q q 0 0 0 rg BT 495.42 702.90 Td (of ) Tj ET Q q 0 0 0 rg BT 508.70 702.90 Td (March ) Tj ET Q q 0 0 0 rg BT 545.32 702.90 Td (31, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 688.50 Td (2013. ) Tj ET Q q 0 0 0 rg BT 83.88 688.50 Td ( ) Tj ET Q q 0 0 0 rg BT 87.74 688.50 Td (Founded ) Tj ET Q q 0 0 0 rg BT 138.96 688.50 Td (in ) Tj ET Q q 0 0 0 rg BT 152.16 688.50 Td (1919 ) Tj ET Q q 0 0 0 rg BT 182.71 688.50 Td (as ) Tj ET Q q 0 0 0 rg BT 199.23 688.50 Td (General ) Tj ET Q q 0 0 0 rg BT 245.78 688.50 Td (Motors ) Tj ET Q q 0 0 0 rg BT 285.54 688.50 Td (Acceptance ) Tj ET Q q 0 0 0 rg BT 352.10 688.50 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 418.65 688.50 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 426.646484375 686.7890625 m 462.646484375 686.7890625 l s q 0 0 0 rg BT 426.65 688.50 Td (GMAC) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 462.65 688.50 Td (\), ) Tj ET Q q 0 0 0 rg BT 477.06 688.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 500.25 688.50 Td (is ) Tj ET Q q 0 0 0 rg BT 512.77 688.50 Td (a ) Tj ET Q q 0 0 0 rg BT 523.30 688.50 Td (leading ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 674.10 Td (automotive ) Tj ET Q q 0 0 0 rg BT 112.35 674.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 160.02 674.10 Td (services ) Tj ET Q q 0 0 0 rg BT 207.68 674.10 Td (company ) Tj ET Q q 0 0 0 rg BT 260.01 674.10 Td (with ) Tj ET Q q 0 0 0 rg BT 285.00 674.10 Td (over ) Tj ET Q q 0 0 0 rg BT 311.99 674.10 Td (90years ) Tj ET Q q 0 0 0 rg BT 361.66 674.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.32 674.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 437.67 674.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 490.01 674.10 Td (a ) Tj ET Q q 0 0 0 rg BT 500.33 674.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 534.67 674.10 Td (array ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 659.70 Td (of ) Tj ET Q q 0 0 0 rg BT 63.58 659.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 111.18 659.70 Td (products ) Tj ET Q q 0 0 0 rg BT 160.78 659.70 Td (and ) Tj ET Q q 0 0 0 rg BT 184.37 659.70 Td (services ) Tj ET Q q 0 0 0 rg BT 231.95 659.70 Td (to ) Tj ET Q q 0 0 0 rg BT 245.53 659.70 Td (automotive ) Tj ET Q q 0 0 0 rg BT 307.80 659.70 Td (dealers ) Tj ET Q q 0 0 0 rg BT 350.73 659.70 Td (and ) Tj ET Q q 0 0 0 rg BT 374.32 659.70 Td (their ) Tj ET Q q 0 0 0 rg BT 401.24 659.70 Td (customers. ) Tj ET Q q 0 0 0 rg BT 463.49 659.70 Td ( ) Tj ET Q q 0 0 0 rg BT 467.06 659.70 Td (On ) Tj ET Q q 0 0 0 rg BT 486.64 659.70 Td (December24, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 645.30 Td (2008, ) Tj ET Q q 0 0 0 rg BT 82.45 645.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 104.81 645.30 Td (received ) Tj ET Q q 0 0 0 rg BT 153.19 645.30 Td (approval ) Tj ET Q q 0 0 0 rg BT 202.25 645.30 Td (from ) Tj ET Q q 0 0 0 rg BT 229.27 645.30 Td (the ) Tj ET Q q 0 0 0 rg BT 248.97 645.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 292.68 645.30 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 340.39 645.30 Td (to ) Tj ET Q q 0 0 0 rg BT 353.42 645.30 Td (become ) Tj ET Q q 0 0 0 rg BT 399.14 645.30 Td (a ) Tj ET Q q 0 0 0 rg BT 408.83 645.30 Td (bank ) Tj ET Q q 0 0 0 rg BT 437.88 645.30 Td (holding ) Tj ET Q q 0 0 0 rg BT 479.60 645.30 Td (company ) Tj ET Q q 0 0 0 rg BT 531.31 645.30 Td (under ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 630.90 Td (the ) Tj ET Q q 0 0 0 rg BT 70.84 630.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 102.35 630.90 Td (Holding ) Tj ET Q q 0 0 0 rg BT 147.20 630.90 Td (Company ) Tj ET Q q 0 0 0 rg BT 201.88 630.90 Td (Act ) Tj ET Q q 0 0 0 rg BT 223.38 630.90 Td (of ) Tj ET Q q 0 0 0 rg BT 237.54 630.90 Td (1956 ) Tj ET Q q 0 0 0 rg BT 268.39 630.90 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 276.38525390625 629.1890625 m 321.73095703125 629.1890625 l s q 0 0 0 rg BT 276.39 630.90 Td (BHC) Tj ET Q q 0 0 0 rg BT 304.39 630.90 Td (Act) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 321.73 630.90 Td (\). ) Tj ET Q q 0 0 0 rg BT 337.21 630.90 Td ( ) Tj ET Q q 0 0 0 rg BT 340.54 630.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 372.33 630.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 418.52 630.90 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 471.65 630.90 Td (, ) Tj ET Q q 0 0 0 rg BT 478.32 630.90 Td (AllyBank, ) Tj ET Q q 0 0 0 rg BT 535.83 630.90 Td (is ) Tj ET Q q 0 0 0 rg BT 548.65 630.90 Td (an ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 616.50 Td (indirect ) Tj ET Q q 0 0 0 rg BT 93.25 616.50 Td (wholly ) Tj ET Q q 0 0 0 rg BT 131.17 616.50 Td (owned ) Tj ET Q q 0 0 0 rg BT 171.10 616.50 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 229.70 616.50 Td (of ) Tj ET Q q 0 0 0 rg BT 243.37 616.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 266.61 616.50 Td (and ) Tj ET Q q 0 0 0 rg BT 291.20 616.50 Td (a ) Tj ET Q q 0 0 0 rg BT 302.45 616.50 Td (leading ) Tj ET Q q 0 0 0 rg BT 345.72 616.50 Td (franchise ) Tj ET Q q 0 0 0 rg BT 398.98 616.50 Td (in ) Tj ET Q q 0 0 0 rg BT 412.89 616.50 Td (the ) Tj ET Q q 0 0 0 rg BT 434.15 616.50 Td (growing ) Tj ET Q q 0 0 0 rg BT 480.74 616.50 Td (direct ) Tj ET Q q 0 0 0 rg BT 514.66 616.50 Td (\(internet, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 602.10 Td (telephone, ) Tj ET Q q 0 0 0 rg BT 108.46 602.10 Td (mobile, ) Tj ET Q q 0 0 0 rg BT 149.55 602.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.98 602.10 Td (mail\) ) Tj ET Q q 0 0 0 rg BT 200.39 602.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 244.83 602.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 287.25 602.10 Td (with ) Tj ET Q q 0 0 0 rg BT 311.00 602.10 Td ($49.5 ) Tj ET Q q 0 0 0 rg BT 343.44 602.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 376.53 602.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.95 602.10 Td (external ) Tj ET Q q 0 0 0 rg BT 434.05 602.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 481.16 602.10 Td (as ) Tj ET Q q 0 0 0 rg BT 496.24 602.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.66 602.10 Td (March31, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 587.70 Td (2013.) Tj ET Q BT /F6 12.00 Tf ET q 0 0 0 rg BT 50.00 561.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 84.87 561.30 Td (Business) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 534.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 79.91 534.90 Td (primary ) Tj ET Q q 0 0 0 rg BT 122.19 534.90 Td (line ) Tj ET Q q 0 0 0 rg BT 143.15 534.90 Td (of ) Tj ET Q q 0 0 0 rg BT 155.44 534.90 Td (business ) Tj ET Q q 0 0 0 rg BT 205.08 534.90 Td (involves ) Tj ET Q q 0 0 0 rg BT 250.72 534.90 Td (providing ) Tj ET Q q 0 0 0 rg BT 301.69 534.90 Td ("Dealer ) Tj ET Q q 0 0 0 rg BT 343.58 534.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 393.89 534.90 Td (Services" ) Tj ET Q q 0 0 0 rg BT 446.44 534.90 Td (to ) Tj ET Q q 0 0 0 rg BT 458.73 534.90 Td (the ) Tj ET Q q 0 0 0 rg BT 477.69 534.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 503.31 534.90 Td (automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 520.50 Td (industry ) Tj ET Q q 0 0 0 rg BT 96.99 520.50 Td (\(which ) Tj ET Q q 0 0 0 rg BT 136.65 520.50 Td (includes ) Tj ET Q q 0 0 0 rg BT 185.65 520.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 249.33 520.50 Td (finance ) Tj ET Q q 0 0 0 rg BT 293.00 520.50 Td (and ) Tj ET Q q 0 0 0 rg BT 318.00 520.50 Td (insurance ) Tj ET Q q 0 0 0 rg BT 375.00 520.50 Td (operations\). ) Tj ET Q q 0 0 0 rg BT 443.35 520.50 Td ( ) Tj ET Q q 0 0 0 rg BT 448.00 520.50 Td (The ) Tj ET Q q 0 0 0 rg BT 473.66 520.50 Td (Dealer ) Tj ET Q q 0 0 0 rg BT 513.98 520.50 Td (Financial ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 506.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 102.45 506.10 Td (business ) Tj ET Q q 0 0 0 rg BT 156.24 506.10 Td (is ) Tj ET Q q 0 0 0 rg BT 171.34 506.10 Td (centered ) Tj ET Q q 0 0 0 rg BT 224.47 506.10 Td (on ) Tj ET Q q 0 0 0 rg BT 242.97 506.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 277.03 506.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 350.83 506.10 Td (with ) Tj ET Q q 0 0 0 rg BT 378.60 506.10 Td (automotive ) Tj ET Q q 0 0 0 rg BT 443.73 506.10 Td (dealers ) Tj ET Q q 0 0 0 rg BT 489.52 506.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.97 506.10 Td (supports ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 491.70 Td (manufacturers ) Tj ET Q q 0 0 0 rg BT 131.14 491.70 Td (with ) Tj ET Q q 0 0 0 rg BT 156.91 491.70 Td (which ) Tj ET Q q 0 0 0 rg BT 191.15 491.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 214.92 491.70 Td (has ) Tj ET Q q 0 0 0 rg BT 238.71 491.70 Td (marketing ) Tj ET Q q 0 0 0 rg BT 295.83 491.70 Td (relationships ) Tj ET Q q 0 0 0 rg BT 367.64 491.70 Td (and ) Tj ET Q q 0 0 0 rg BT 392.10 491.70 Td (those ) Tj ET Q q 0 0 0 rg BT 425.89 491.70 Td (manufacturers' ) Tj ET Q q 0 0 0 rg BT 509.32 491.70 Td (marketing ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 477.30 Td (programs. ) Tj ET Q q 0 0 0 rg BT 107.86 477.30 Td ( ) Tj ET Q q 0 0 0 rg BT 111.46 477.30 Td (The ) Tj ET Q q 0 0 0 rg BT 135.99 477.30 Td (Dealer ) Tj ET Q q 0 0 0 rg BT 175.18 477.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 227.05 477.30 Td (Services ) Tj ET Q q 0 0 0 rg BT 276.91 477.30 Td (business ) Tj ET Q q 0 0 0 rg BT 328.12 477.30 Td (serves ) Tj ET Q q 0 0 0 rg BT 367.31 477.30 Td (the ) Tj ET Q q 0 0 0 rg BT 387.84 477.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 435.71 477.30 Td (needs ) Tj ET Q q 0 0 0 rg BT 472.25 477.30 Td (of ) Tj ET Q q 0 0 0 rg BT 486.11 477.30 Td (almost ) Tj ET Q q 0 0 0 rg BT 525.30 477.30 Td (16,000 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 462.90 Td (dealers ) Tj ET Q q 0 0 0 rg BT 93.87 462.90 Td (with ) Tj ET Q q 0 0 0 rg BT 119.73 462.90 Td (a ) Tj ET Q q 0 0 0 rg BT 130.91 462.90 Td (wide ) Tj ET Q q 0 0 0 rg BT 160.11 462.90 Td (range ) Tj ET Q q 0 0 0 rg BT 195.31 462.90 Td (of ) Tj ET Q q 0 0 0 rg BT 209.83 462.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 258.38 462.90 Td (services ) Tj ET Q q 0 0 0 rg BT 306.90 462.90 Td (and ) Tj ET Q q 0 0 0 rg BT 331.44 462.90 Td (insurance ) Tj ET Q q 0 0 0 rg BT 387.98 462.90 Td (products ) Tj ET Q q 0 0 0 rg BT 438.52 462.90 Td (for ) Tj ET Q q 0 0 0 rg BT 457.04 462.90 Td (both ) Tj ET Q q 0 0 0 rg BT 484.91 462.90 Td (new ) Tj ET Q q 0 0 0 rg BT 511.44 462.90 Td (and ) Tj ET Q q 0 0 0 rg BT 535.97 462.90 Td (used ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 448.50 Td (vehicles. ) Tj ET Q q 0 0 0 rg BT 98.75 448.50 Td ( ) Tj ET Q q 0 0 0 rg BT 100.41 448.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 121.81 448.50 Td (believes ) Tj ET Q q 0 0 0 rg BT 167.90 448.50 Td (its ) Tj ET Q q 0 0 0 rg BT 181.96 448.50 Td (dealer-focused ) Tj ET Q q 0 0 0 rg BT 263.41 448.50 Td (business ) Tj ET Q q 0 0 0 rg BT 312.83 448.50 Td (model ) Tj ET Q q 0 0 0 rg BT 347.58 448.50 Td (makes ) Tj ET Q q 0 0 0 rg BT 384.99 448.50 Td (it ) Tj ET Q q 0 0 0 rg BT 393.05 448.50 Td (the ) Tj ET Q q 0 0 0 rg BT 411.80 448.50 Td (preferred ) Tj ET Q q 0 0 0 rg BT 462.55 448.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 523.32 448.50 Td (finance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 434.10 Td (company ) Tj ET Q q 0 0 0 rg BT 102.44 434.10 Td (for ) Tj ET Q q 0 0 0 rg BT 120.18 434.10 Td (thousands ) Tj ET Q q 0 0 0 rg BT 179.30 434.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.06 434.10 Td (its ) Tj ET Q q 0 0 0 rg BT 208.80 434.10 Td (automotive ) Tj ET Q q 0 0 0 rg BT 271.24 434.10 Td (dealer ) Tj ET Q q 0 0 0 rg BT 308.35 434.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 367.44 434.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 394.54 434.10 Td (ultimately) Tj ET Q q 0 0 0 rg BT 444.33 434.10 Td (, ) Tj ET Q q 0 0 0 rg BT 451.41 434.10 Td (millions ) Tj ET Q q 0 0 0 rg BT 495.16 434.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.91 434.10 Td (their ) Tj ET Q q 0 0 0 rg BT 536.00 434.10 Td (retail ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 419.70 Td (customers. ) Tj ET Q q 0 0 0 rg BT 111.82 419.70 Td ( ) Tj ET Q q 0 0 0 rg BT 114.34 419.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 136.81 419.70 Td (has ) Tj ET Q q 0 0 0 rg BT 159.30 419.70 Td (developed ) Tj ET Q q 0 0 0 rg BT 217.83 419.70 Td (strong ) Tj ET Q q 0 0 0 rg BT 254.32 419.70 Td (relationships ) Tj ET Q q 0 0 0 rg BT 324.83 419.70 Td (with ) Tj ET Q q 0 0 0 rg BT 349.31 419.70 Td (thousands ) Tj ET Q q 0 0 0 rg BT 407.83 419.70 Td (of ) Tj ET Q q 0 0 0 rg BT 420.97 419.70 Td (dealers, ) Tj ET Q q 0 0 0 rg BT 466.80 419.70 Td (especially ) Tj ET Q q 0 0 0 rg BT 522.64 419.70 Td (dealers ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 405.30 Td (authorized ) Tj ET Q q 0 0 0 rg BT 108.91 405.30 Td (to ) Tj ET Q q 0 0 0 rg BT 121.79 405.30 Td (sell ) Tj ET Q q 0 0 0 rg BT 142.67 405.30 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 188.89 405.30 Td (manufactured ) Tj ET Q q 0 0 0 rg BT 265.14 405.30 Td (by ) Tj ET Q q 0 0 0 rg BT 280.69 405.30 Td (General ) Tj ET Q q 0 0 0 rg BT 326.25 405.30 Td (Motors ) Tj ET Q q 0 0 0 rg BT 365.79 405.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 420.02 405.30 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 428.01611328125 403.5890625 m 447.34619140625 403.5890625 l s q 0 0 0 rg BT 428.02 405.30 Td (GM) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 447.35 405.30 Td (\) ) Tj ET Q q 0 0 0 rg BT 458.21 405.30 Td (and ) Tj ET Q q 0 0 0 rg BT 481.10 405.30 Td (Chrysler ) Tj ET Q q 0 0 0 rg BT 528.65 405.30 Td (Group ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 390.90 Td (LLC ) Tj ET Q q 0 0 0 rg BT 75.74 390.90 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 83.7353515625 389.1890625 m 128.4072265625 389.1890625 l s q 0 0 0 rg BT 83.74 390.90 Td (Chrysler) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 128.41 390.90 Td (\), ) Tj ET Q q 0 0 0 rg BT 143.46 390.90 Td (providing ) Tj ET Q q 0 0 0 rg BT 195.15 390.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 218.21 390.90 Td (with ) Tj ET Q q 0 0 0 rg BT 243.28 390.90 Td (an ) Tj ET Q q 0 0 0 rg BT 260.36 390.90 Td (extensive ) Tj ET Q q 0 0 0 rg BT 314.79 390.90 Td (understanding ) Tj ET Q q 0 0 0 rg BT 394.58 390.90 Td (of ) Tj ET Q q 0 0 0 rg BT 408.31 390.90 Td (the ) Tj ET Q q 0 0 0 rg BT 428.72 390.90 Td (operating ) Tj ET Q q 0 0 0 rg BT 482.49 390.90 Td (needs ) Tj ET Q q 0 0 0 rg BT 518.92 390.90 Td (of ) Tj ET Q q 0 0 0 rg BT 532.65 390.90 Td (these ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 376.50 Td (dealers ) Tj ET Q q 0 0 0 rg BT 92.62 376.50 Td (relative ) Tj ET Q q 0 0 0 rg BT 134.56 376.50 Td (to ) Tj ET Q q 0 0 0 rg BT 147.83 376.50 Td (other ) Tj ET Q q 0 0 0 rg BT 178.44 376.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 240.40 376.50 Td (finance ) Tj ET Q q 0 0 0 rg BT 282.36 376.50 Td (companies. ) Tj ET Q q 0 0 0 rg BT 346.77 376.50 Td (Through ) Tj ET Q q 0 0 0 rg BT 394.73 376.50 Td (specialized ) Tj ET Q q 0 0 0 rg BT 457.36 376.50 Td (incentive ) Tj ET Q q 0 0 0 rg BT 507.98 376.50 Td (programs, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 362.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.67 362.10 Td (encourages ) Tj ET Q q 0 0 0 rg BT 138.72 362.10 Td (dealers ) Tj ET Q q 0 0 0 rg BT 181.41 362.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.75 362.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 227.43 362.10 Td (more ) Tj ET Q q 0 0 0 rg BT 258.10 362.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.44 362.10 Td (their ) Tj ET Q q 0 0 0 rg BT 298.12 362.10 Td (business ) Tj ET Q q 0 0 0 rg BT 348.82 362.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.50 362.10 Td (Ally) Tj ET Q q 0 0 0 rg BT 379.94 362.10 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 335.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.53 335.70 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 107.58 335.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 139.41 335.70 Td (direct ) Tj ET Q q 0 0 0 rg BT 172.95 335.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 219.18 335.70 Td (platform, ) Tj ET Q q 0 0 0 rg BT 270.06 335.70 Td (is ) Tj ET Q q 0 0 0 rg BT 282.92 335.70 Td (focused ) Tj ET Q q 0 0 0 rg BT 329.15 335.70 Td (on ) Tj ET Q q 0 0 0 rg BT 346.69 335.70 Td (building ) Tj ET Q q 0 0 0 rg BT 392.25 335.70 Td (a ) Tj ET Q q 0 0 0 rg BT 403.12 335.70 Td (stable ) Tj ET Q q 0 0 0 rg BT 439.34 335.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 482.23 335.70 Td (base ) Tj ET Q q 0 0 0 rg BT 512.45 335.70 Td (driven ) Tj ET Q q 0 0 0 rg BT 549.33 335.70 Td (by ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 321.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 82.85 321.30 Td (compelling ) Tj ET Q q 0 0 0 rg BT 145.43 321.30 Td (brand ) Tj ET Q q 0 0 0 rg BT 181.34 321.30 Td (and ) Tj ET Q q 0 0 0 rg BT 206.58 321.30 Td (strong ) Tj ET Q q 0 0 0 rg BT 245.15 321.30 Td (value ) Tj ET Q q 0 0 0 rg BT 279.06 321.30 Td (proposition. ) Tj ET Q q 0 0 0 rg BT 346.32 321.30 Td ( ) Tj ET Q q 0 0 0 rg BT 350.50 321.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 375.05 321.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 407.63 321.30 Td (raises ) Tj ET Q q 0 0 0 rg BT 444.85 321.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 494.77 321.30 Td (directly ) Tj ET Q q 0 0 0 rg BT 538.00 321.30 Td (from ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 306.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 108.30 306.90 Td (through ) Tj ET Q q 0 0 0 rg BT 151.95 306.90 Td (the ) Tj ET Q q 0 0 0 rg BT 171.58 306.90 Td (direct ) Tj ET Q q 0 0 0 rg BT 203.87 306.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 248.86 306.90 Td (channel ) Tj ET Q q 0 0 0 rg BT 293.84 306.90 Td (via ) Tj ET Q q 0 0 0 rg BT 312.13 306.90 Td (the ) Tj ET Q q 0 0 0 rg BT 331.76 306.90 Td (internet, ) Tj ET Q q 0 0 0 rg BT 378.07 306.90 Td (over ) Tj ET Q q 0 0 0 rg BT 404.36 306.90 Td (the ) Tj ET Q q 0 0 0 rg BT 424.00 306.90 Td (telephone, ) Tj ET Q q 0 0 0 rg BT 483.00 306.90 Td (through ) Tj ET Q q 0 0 0 rg BT 526.65 306.90 Td (mobile ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 292.50 Td (applications, ) Tj ET Q q 0 0 0 rg BT 119.96 292.50 Td (and ) Tj ET Q q 0 0 0 rg BT 143.24 292.50 Td (physical ) Tj ET Q q 0 0 0 rg BT 189.85 292.50 Td (mail. ) Tj ET Q q 0 0 0 rg BT 218.44 292.50 Td ( ) Tj ET Q q 0 0 0 rg BT 221.05 292.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 243.64 292.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 274.25 292.50 Td (of) Tj ET Q q 0 0 0 rg BT 284.04 292.50 Td (fers ) Tj ET Q q 0 0 0 rg BT 307.30 292.50 Td (a ) Tj ET Q q 0 0 0 rg BT 317.23 292.50 Td (variety ) Tj ET Q q 0 0 0 rg BT 355.83 292.50 Td (of ) Tj ET Q q 0 0 0 rg BT 369.10 292.50 Td (traditional ) Tj ET Q q 0 0 0 rg BT 424.38 292.50 Td ( ) Tj ET Q q 0 0 0 rg BT 427.64 292.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 469.59 292.50 Td (product ) Tj ET Q q 0 0 0 rg BT 512.87 292.50 Td (of) Tj ET Q q 0 0 0 rg BT 522.66 292.50 Td (ferings, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 278.10 Td (including ) Tj ET Q q 0 0 0 rg BT 102.28 278.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 164.54 278.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.46 278.10 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 226.39 278.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 271.99 278.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 328.26 278.10 Td (money ) Tj ET Q q 0 0 0 rg BT 369.19 278.10 Td (market ) Tj ET Q q 0 0 0 rg BT 410.78 278.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 467.05 278.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 511.31 278.10 Td (checking, ) Tj ET Q q 0 0 0 rg BT 565.34 278.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 263.70 Td (individual ) Tj ET Q q 0 0 0 rg BT 102.96 263.70 Td (retirement ) Tj ET Q q 0 0 0 rg BT 159.91 263.70 Td (account ) Tj ET Q q 0 0 0 rg BT 204.87 263.70 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 212.86279296875 261.98906250000005 m 232.86669921875 261.98906250000005 l s q 0 0 0 rg BT 212.86 263.70 Td (IRA) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 232.87 263.70 Td (\) ) Tj ET Q q 0 0 0 rg BT 243.79 263.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 285.41 263.70 Td (products, ) Tj ET Q q 0 0 0 rg BT 337.70 263.70 Td (as ) Tj ET Q q 0 0 0 rg BT 353.31 263.70 Td (well ) Tj ET Q q 0 0 0 rg BT 376.91 263.70 Td (as ) Tj ET Q q 0 0 0 rg BT 392.51 263.70 Td (an ) Tj ET Q q 0 0 0 rg BT 408.79 263.70 Td (online ) Tj ET Q q 0 0 0 rg BT 443.75 263.70 Td (checking ) Tj ET Q q 0 0 0 rg BT 494.04 263.70 Td (product. ) Tj ET Q q 0 0 0 rg BT 540.33 263.70 Td ( ) Tj ET Q q 0 0 0 rg BT 542.68 263.70 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 249.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 80.69 249.30 Td (provides ) Tj ET Q q 0 0 0 rg BT 128.71 249.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 151.38 249.30 Td (with ) Tj ET Q q 0 0 0 rg BT 176.06 249.30 Td (a ) Tj ET Q q 0 0 0 rg BT 186.07 249.30 Td (stable, ) Tj ET Q q 0 0 0 rg BT 224.76 249.30 Td (diversified, ) Tj ET Q q 0 0 0 rg BT 285.45 249.30 Td (and ) Tj ET Q q 0 0 0 rg BT 308.80 249.30 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 344.60 249.30 Td (fective ) Tj ET Q q 0 0 0 rg BT 382.61 249.30 Td (funding ) Tj ET Q q 0 0 0 rg BT 425.32 249.30 Td (source.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 222.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 83.01 222.90 Td (strategy ) Tj ET Q q 0 0 0 rg BT 131.08 222.90 Td (is ) Tj ET Q q 0 0 0 rg BT 145.14 222.90 Td (to ) Tj ET Q q 0 0 0 rg BT 160.53 222.90 Td (extend ) Tj ET Q q 0 0 0 rg BT 201.94 222.90 Td (its ) Tj ET Q q 0 0 0 rg BT 219.33 222.90 Td (leading ) Tj ET Q q 0 0 0 rg BT 263.42 222.90 Td (position ) Tj ET Q q 0 0 0 rg BT 310.16 222.90 Td (in ) Tj ET Q q 0 0 0 rg BT 324.89 222.90 Td (automotive ) Tj ET Q q 0 0 0 rg BT 388.97 222.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 433.06 222.90 Td (in ) Tj ET Q q 0 0 0 rg BT 447.78 222.90 Td (the ) Tj ET Q q 0 0 0 rg BT 469.85 222.90 Td (United ) Tj ET Q q 0 0 0 rg BT 509.92 222.90 Td (States ) Tj ET Q q 0 0 0 rg BT 549.33 222.90 Td (by ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 208.50 Td (continuing ) Tj ET Q q 0 0 0 rg BT 110.47 208.50 Td (to ) Tj ET Q q 0 0 0 rg BT 126.24 208.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 171.35 208.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 235.81 208.50 Td (dealers ) Tj ET Q q 0 0 0 rg BT 280.93 208.50 Td (and ) Tj ET Q q 0 0 0 rg BT 306.71 208.50 Td (their ) Tj ET Q q 0 0 0 rg BT 335.81 208.50 Td (retail ) Tj ET Q q 0 0 0 rg BT 367.58 208.50 Td (customers ) Tj ET Q q 0 0 0 rg BT 428.69 208.50 Td (with ) Tj ET Q q 0 0 0 rg BT 455.79 208.50 Td (premium ) Tj ET Q q 0 0 0 rg BT 508.22 208.50 Td (service, ) Tj ET Q q 0 0 0 rg BT 555.32 208.50 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 194.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 139.27 194.10 Td (product ) Tj ET Q q 0 0 0 rg BT 187.19 194.10 Td (suite, ) Tj ET Q q 0 0 0 rg BT 223.76 194.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 285.68 194.10 Td (funding, ) Tj ET Q q 0 0 0 rg BT 336.28 194.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.19 194.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 432.78 194.10 Td (pricing, ) Tj ET Q q 0 0 0 rg BT 479.36 194.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 534.37 194.10 Td (Ally's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 179.70 Td (commitment ) Tj ET Q q 0 0 0 rg BT 117.27 179.70 Td (to ) Tj ET Q q 0 0 0 rg BT 129.20 179.70 Td (the ) Tj ET Q q 0 0 0 rg BT 147.81 179.70 Td (automotive ) Tj ET Q q 0 0 0 rg BT 208.43 179.70 Td (industry) Tj ET Q q 0 0 0 rg BT 249.56 179.70 Td (. ) Tj ET Q q 0 0 0 rg BT 254.81 179.70 Td ( ) Tj ET Q q 0 0 0 rg BT 256.36 179.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 277.62 179.70 Td (is ) Tj ET Q q 0 0 0 rg BT 288.21 179.70 Td (focused ) Tj ET Q q 0 0 0 rg BT 332.16 179.70 Td (on ) Tj ET Q q 0 0 0 rg BT 347.43 179.70 Td (expanding ) Tj ET Q q 0 0 0 rg BT 404.74 179.70 Td (profitable ) Tj ET Q q 0 0 0 rg BT 456.03 179.70 Td (dealer ) Tj ET Q q 0 0 0 rg BT 491.31 179.70 Td (relationships, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 165.30 Td (prudent ) Tj ET Q q 0 0 0 rg BT 94.38 165.30 Td (earning ) Tj ET Q q 0 0 0 rg BT 138.09 165.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 170.46 165.30 Td (growth, ) Tj ET Q q 0 0 0 rg BT 213.49 165.30 Td (and ) Tj ET Q q 0 0 0 rg BT 237.20 165.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 274.24 165.30 Td (risk-adjusted ) Tj ET Q q 0 0 0 rg BT 345.94 165.30 Td (returns. ) Tj ET Q q 0 0 0 rg BT 390.31 165.30 Td ( ) Tj ET Q q 0 0 0 rg BT 393.26 165.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 424.57 165.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 464.27 165.30 Td (strategy ) Tj ET Q q 0 0 0 rg BT 510.64 165.30 Td (continues ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 150.90 Td (to ) Tj ET Q q 0 0 0 rg BT 63.72 150.90 Td (focus ) Tj ET Q q 0 0 0 rg BT 96.11 150.90 Td (on ) Tj ET Q q 0 0 0 rg BT 113.16 150.90 Td (diversifying ) Tj ET Q q 0 0 0 rg BT 176.89 150.90 Td (the ) Tj ET Q q 0 0 0 rg BT 197.28 150.90 Td (franchise ) Tj ET Q q 0 0 0 rg BT 249.68 150.90 Td (by ) Tj ET Q q 0 0 0 rg BT 266.07 150.90 Td (expanding ) Tj ET Q q 0 0 0 rg BT 325.16 150.90 Td (into ) Tj ET Q q 0 0 0 rg BT 348.21 150.90 Td (dif) Tj ET Q q 0 0 0 rg BT 360.67 150.90 Td (ferent ) Tj ET Q q 0 0 0 rg BT 395.07 150.90 Td (products ) Tj ET Q q 0 0 0 rg BT 444.80 150.90 Td (as ) Tj ET Q q 0 0 0 rg BT 461.18 150.90 Td (well ) Tj ET Q q 0 0 0 rg BT 485.56 150.90 Td (as ) Tj ET Q q 0 0 0 rg BT 501.94 150.90 Td (broadening ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 136.50 Td (its ) Tj ET Q q 0 0 0 rg BT 64.67 136.50 Td (network ) Tj ET Q q 0 0 0 rg BT 109.36 136.50 Td (of ) Tj ET Q q 0 0 0 rg BT 122.04 136.50 Td (dealer ) Tj ET Q q 0 0 0 rg BT 158.07 136.50 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 231.45 136.50 Td ( ) Tj ET Q q 0 0 0 rg BT 233.59 136.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 255.60 136.50 Td (also ) Tj ET Q q 0 0 0 rg BT 280.29 136.50 Td (seeks ) Tj ET Q q 0 0 0 rg BT 314.31 136.50 Td (to ) Tj ET Q q 0 0 0 rg BT 326.99 136.50 Td (broaden ) Tj ET Q q 0 0 0 rg BT 373.70 136.50 Td (and ) Tj ET Q q 0 0 0 rg BT 396.40 136.50 Td (deepen ) Tj ET Q q 0 0 0 rg BT 439.11 136.50 Td (the ) Tj ET Q q 0 0 0 rg BT 457.94 136.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 479.95 136.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 509.97 136.50 Td (franchise, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 122.10 Td (prudently ) Tj ET Q q 0 0 0 rg BT 102.70 122.10 Td (growing ) Tj ET Q q 0 0 0 rg BT 148.07 122.10 Td (stable, ) Tj ET Q q 0 0 0 rg BT 186.76 122.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 224.79 122.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 272.82 122.10 Td (while ) Tj ET Q q 0 0 0 rg BT 303.51 122.10 Td (extending ) Tj ET Q q 0 0 0 rg BT 358.22 122.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 380.90 122.10 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 419.88 122.10 Td (foundation ) Tj ET Q q 0 0 0 rg BT 479.27 122.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.62 122.10 Td (products ) Tj ET Q q 0 0 0 rg BT 541.98 122.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 107.70 Td (providing ) Tj ET Q q 0 0 0 rg BT 102.03 107.70 Td (a ) Tj ET Q q 0 0 0 rg BT 112.04 107.70 Td (high ) Tj ET Q q 0 0 0 rg BT 138.06 107.70 Td (level ) Tj ET Q q 0 0 0 rg BT 166.07 107.70 Td (of ) Tj ET Q q 0 0 0 rg BT 179.42 107.70 Td (customer ) Tj ET Q q 0 0 0 rg BT 232.10 107.70 Td (service.) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F6 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (Strategic ) Tj ET Q q 0 0 0 rg BT 104.24 740.30 Td (Actions ) Tj ET Q q 0 0 0 rg BT 151.58 740.30 Td (in ) Tj ET Q q 0 0 0 rg BT 165.58 740.30 Td (2012-2013) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 713.90 Td (a.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.01 713.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 122.00 713.90 Td (Subsidiaries' Bankruptcy Filings) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 687.50 Td (On ) Tj ET Q q 0 0 0 rg BT 69.28 687.50 Td (May ) Tj ET Q q 0 0 0 rg BT 95.22 687.50 Td (14, ) Tj ET Q q 0 0 0 rg BT 115.18 687.50 Td (2012, ) Tj ET Q q 0 0 0 rg BT 148.48 687.50 Td (Residential ) Tj ET Q q 0 0 0 rg BT 211.12 687.50 Td (Capital, ) Tj ET Q q 0 0 0 rg BT 255.08 687.50 Td (LLC ) Tj ET Q q 0 0 0 rg BT 280.36 687.50 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 288.35302734375 685.7890625 m 331.70654296875 685.7890625 l s q 0 0 0 rg BT 288.35 687.50 Td (ResCap) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 331.71 687.50 Td (\) ) Tj ET Q q 0 0 0 rg BT 342.97 687.50 Td (and ) Tj ET Q q 0 0 0 rg BT 366.26 687.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 405.55 687.50 Td (of ) Tj ET Q q 0 0 0 rg BT 418.83 687.50 Td (its ) Tj ET Q q 0 0 0 rg BT 434.11 687.50 Td (wholly ) Tj ET Q q 0 0 0 rg BT 470.72 687.50 Td (owned ) Tj ET Q q 0 0 0 rg BT 509.36 687.50 Td (direct ) Tj ET Q q 0 0 0 rg BT 541.97 687.50 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 92.81 673.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 160.29 673.10 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 221.42 673.10 Td (, ) Tj ET Q q 0 0 0 rg BT 228.88 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.68 673.10 Td () Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 253.677734375 671.3890625 m 343.17236328125 671.3890625 l s q 0 0 0 rg BT 253.68 673.10 Td (ResCap ) Tj ET Q q 0 0 0 rg BT 301.15 673.10 Td (Debtors) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 343.17 673.10 Td (\) ) Tj ET Q q 0 0 0 rg BT 355.29 673.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 381.43 673.10 Td (voluntary ) Tj ET Q q 0 0 0 rg BT 434.24 673.10 Td (petitions ) Tj ET Q q 0 0 0 rg BT 483.06 673.10 Td (for ) Tj ET Q q 0 0 0 rg BT 501.19 673.10 Td (relief ) Tj ET Q q 0 0 0 rg BT 531.32 673.10 Td (under ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 658.70 Td (Chapter ) Tj ET Q q 0 0 0 rg BT 95.44 658.70 Td (1) Tj ET Q q 0 0 0 rg BT 101.23 658.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 110.65 658.70 Td (of ) Tj ET Q q 0 0 0 rg BT 123.42 658.70 Td (the ) Tj ET Q q 0 0 0 rg BT 142.85 658.70 Td (Bankruptcy ) Tj ET Q q 0 0 0 rg BT 205.63 658.70 Td (Code ) Tj ET Q q 0 0 0 rg BT 237.07 658.70 Td (in ) Tj ET Q q 0 0 0 rg BT 249.17 658.70 Td (the ) Tj ET Q q 0 0 0 rg BT 268.60 658.70 Td (United ) Tj ET Q q 0 0 0 rg BT 306.04 658.70 Td (States ) Tj ET Q q 0 0 0 rg BT 342.81 658.70 Td (Bankruptcy ) Tj ET Q q 0 0 0 rg BT 405.59 658.70 Td (Court ) Tj ET Q q 0 0 0 rg BT 437.69 658.70 Td (for ) Tj ET Q q 0 0 0 rg BT 454.45 658.70 Td (the ) Tj ET Q q 0 0 0 rg BT 473.88 658.70 Td (Southern ) Tj ET Q q 0 0 0 rg BT 525.34 658.70 Td (District ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 644.30 Td (of ) Tj ET Q q 0 0 0 rg BT 62.59 644.30 Td (New ) Tj ET Q q 0 0 0 rg BT 89.00 644.30 Td (Y) Tj ET Q q 0 0 0 rg BT 95.91 644.30 Td (ork. ) Tj ET Q q 0 0 0 rg BT 118.49 644.30 Td ( ) Tj ET Q q 0 0 0 rg BT 120.55 644.30 Td (As ) Tj ET Q q 0 0 0 rg BT 137.14 644.30 Td (a ) Tj ET Q q 0 0 0 rg BT 146.39 644.30 Td (result ) Tj ET Q q 0 0 0 rg BT 178.31 644.30 Td (of ) Tj ET Q q 0 0 0 rg BT 190.90 644.30 Td (the ) Tj ET Q q 0 0 0 rg BT 210.16 644.30 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 271.44 644.30 Td (filing, ) Tj ET Q q 0 0 0 rg BT 302.03 644.30 Td (ef) Tj ET Q q 0 0 0 rg BT 311.82 644.30 Td (fective ) Tj ET Q q 0 0 0 rg BT 349.08 644.30 Td (May ) Tj ET Q q 0 0 0 rg BT 374.33 644.30 Td (14, ) Tj ET Q q 0 0 0 rg BT 393.59 644.30 Td (2012, ) Tj ET Q q 0 0 0 rg BT 426.20 644.30 Td (the ) Tj ET Q q 0 0 0 rg BT 445.46 644.30 Td (ResCap ) Tj ET Q q 0 0 0 rg BT 491.39 644.30 Td (Debtors ) Tj ET Q q 0 0 0 rg BT 535.99 644.30 Td (were ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 629.90 Td (deconsolidated ) Tj ET Q q 0 0 0 rg BT 134.83 629.90 Td (from ) Tj ET Q q 0 0 0 rg BT 162.11 629.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 193.84 629.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 241.97 629.90 Td (statements. ) Tj ET Q q 0 0 0 rg BT 308.09 629.90 Td ( ) Tj ET Q q 0 0 0 rg BT 311.38 629.90 Td (A) Tj ET Q q 0 0 0 rg BT 318.72 629.90 Td ( ) Tj ET Q q 0 0 0 rg BT 322.82 629.90 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 408.29 629.90 Td (plan ) Tj ET Q q 0 0 0 rg BT 435.08 629.90 Td (support ) Tj ET Q q 0 0 0 rg BT 479.21 629.90 Td (agreement ) Tj ET Q q 0 0 0 rg BT 540.67 629.90 Td (with ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 615.50 Td (ResCap ) Tj ET Q q 0 0 0 rg BT 96.67 615.50 Td (and ) Tj ET Q q 0 0 0 rg BT 120.00 615.50 Td (its ) Tj ET Q q 0 0 0 rg BT 135.31 615.50 Td (creditors ) Tj ET Q q 0 0 0 rg BT 184.64 615.50 Td (was ) Tj ET Q q 0 0 0 rg BT 209.29 615.50 Td (reached ) Tj ET Q q 0 0 0 rg BT 255.97 615.50 Td (and ) Tj ET Q q 0 0 0 rg BT 279.31 615.50 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 353.34 615.50 Td (approved ) Tj ET Q q 0 0 0 rg BT 406.69 615.50 Td (by ) Tj ET Q q 0 0 0 rg BT 422.67 615.50 Td (the ) Tj ET Q q 0 0 0 rg BT 442.67 615.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 469.32 615.50 Td (Bankruptcy ) Tj ET Q q 0 0 0 rg BT 532.66 615.50 Td (Court ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (on ) Tj ET Q q 0 0 0 rg BT 66.02 601.10 Td (June ) Tj ET Q q 0 0 0 rg BT 94.72 601.10 Td (26, ) Tj ET Q q 0 0 0 rg BT 114.08 601.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 146.78 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.48 601.10 Td (ResCap) Tj ET Q q 0 0 0 rg BT 215.28 601.10 Td (s ) Tj ET Q q 0 0 0 rg BT 223.95 601.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 249.32 601.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.00 601.10 Td (reorganization ) Tj ET Q q 0 0 0 rg BT 340.72 601.10 Td (was ) Tj ET Q q 0 0 0 rg BT 364.74 601.10 Td (confirmed ) Tj ET Q q 0 0 0 rg BT 420.10 601.10 Td (on ) Tj ET Q q 0 0 0 rg BT 436.12 601.10 Td (December ) Tj ET Q q 0 0 0 rg BT 494.15 601.10 Td (1) Tj ET Q q 0 0 0 rg BT 499.93 601.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 512.62 601.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 541.99 601.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 586.70 Td (became ) Tj ET Q q 0 0 0 rg BT 96.03 586.70 Td (ef) Tj ET Q q 0 0 0 rg BT 105.82 586.70 Td (fective ) Tj ET Q q 0 0 0 rg BT 143.83 586.70 Td (on ) Tj ET Q q 0 0 0 rg BT 160.51 586.70 Td (December ) Tj ET Q q 0 0 0 rg BT 219.20 586.70 Td (17, ) Tj ET Q q 0 0 0 rg BT 239.22 586.70 Td (2013.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 560.30 Td (For ) Tj ET Q q 0 0 0 rg BT 70.51 560.30 Td (further ) Tj ET Q q 0 0 0 rg BT 107.69 560.30 Td (details ) Tj ET Q q 0 0 0 rg BT 144.89 560.30 Td (with ) Tj ET Q q 0 0 0 rg BT 168.73 560.30 Td (respect ) Tj ET Q q 0 0 0 rg BT 210.59 560.30 Td (to ) Tj ET Q q 0 0 0 rg BT 223.10 560.30 Td (the ) Tj ET Q q 0 0 0 rg BT 242.29 560.30 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 303.49 560.30 Td (and ) Tj ET Q q 0 0 0 rg BT 326.02 560.30 Td (the ) Tj ET Q q 0 0 0 rg BT 345.21 560.30 Td (deconsolidation ) Tj ET Q q 0 0 0 rg BT 431.11 560.30 Td (of ) Tj ET Q q 0 0 0 rg BT 443.62 560.30 Td (ResCap ) Tj ET Q q 0 0 0 rg BT 489.48 560.30 Td (Debtors, ) Tj ET Q q 0 0 0 rg BT 537.34 560.30 Td (refer ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 545.90 Td (to ) Tj ET Q q 0 0 0 rg BT 64.62 545.90 Td (Item ) Tj ET Q q 0 0 0 rg BT 92.58 545.90 Td (1A. ) Tj ET Q q 0 0 0 rg BT 115.21 545.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 143.16 545.90 Td (Factors ) Tj ET Q q 0 0 0 rg BT 187.78 545.90 Td (and ) Tj ET Q q 0 0 0 rg BT 212.42 545.90 Td (Note1 ) Tj ET Q q 0 0 0 rg BT 252.39 545.90 Td (to ) Tj ET Q q 0 0 0 rg BT 267.02 545.90 Td (the ) Tj ET Q q 0 0 0 rg BT 288.31 545.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 362.98 545.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 415.62 545.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 480.93 545.90 Td (in ) Tj ET Q q 0 0 0 rg BT 493.97 545.90 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 524.63 545.90 Td (Annual ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 531.50 Td (Report ) Tj ET Q q 0 0 0 rg BT 89.92 531.50 Td (on ) Tj ET Q q 0 0 0 rg BT 107.17 531.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 139.07 531.50 Td (10-K ) Tj ET Q q 0 0 0 rg BT 168.32 531.50 Td (for ) Tj ET Q q 0 0 0 rg BT 186.22 531.50 Td (the ) Tj ET Q q 0 0 0 rg BT 206.81 531.50 Td (year ) Tj ET Q q 0 0 0 rg BT 234.05 531.50 Td (ended ) Tj ET Q q 0 0 0 rg BT 271.33 531.50 Td (December ) Tj ET Q q 0 0 0 rg BT 330.58 531.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 351.17 531.50 Td (2012 ) Tj ET Q q 0 0 0 rg BT 381.76 531.50 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 389.755859375 529.7890625 m 477.599609375 529.7890625 l s q 0 0 0 rg BT 389.76 531.50 Td (2012 ) Tj ET Q q 0 0 0 rg BT 420.35 531.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 452.25 531.50 Td (10-K) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 477.60 531.50 Td (\), ) Tj ET Q q 0 0 0 rg BT 492.83 531.50 Td (and ) Tj ET Q q 0 0 0 rg BT 516.75 531.50 Td (Item ) Tj ET Q q 0 0 0 rg BT 543.99 531.50 Td (1A. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 77.71 517.10 Td (Factors ) Tj ET Q q 0 0 0 rg BT 122.09 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.49 517.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 176.21 517.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 187.26 517.10 Td (in ) Tj ET Q q 0 0 0 rg BT 200.98 517.10 Td (each ) Tj ET Q q 0 0 0 rg BT 231.38 517.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.89 517.10 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 276.23 517.10 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 329.95 517.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 370.34 517.10 Td (on ) Tj ET Q q 0 0 0 rg BT 388.07 517.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 420.44 517.10 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 451.49 517.10 Td (for ) Tj ET Q q 0 0 0 rg BT 469.87 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.93 517.10 Td (three ) Tj ET Q q 0 0 0 rg BT 522.66 517.10 Td (months ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 502.70 Td (ended ) Tj ET Q q 0 0 0 rg BT 88.61 502.70 Td (March ) Tj ET Q q 0 0 0 rg BT 127.19 502.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 149.11 502.70 Td (2013 ) Tj ET Q q 0 0 0 rg BT 181.04 502.70 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 189.03125 500.9890625 m 302.123046875 500.9890625 l s q 0 0 0 rg BT 189.03 502.70 Td (1Q ) Tj ET Q q 0 0 0 rg BT 210.28 502.70 Td (2013 ) Tj ET Q q 0 0 0 rg BT 242.21 502.70 Td (Form ) Tj ET Q q 0 0 0 rg BT 275.45 502.70 Td (10-Q) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 302.12 502.70 Td (\), ) Tj ET Q q 0 0 0 rg BT 318.69 502.70 Td (June ) Tj ET Q q 0 0 0 rg BT 349.95 502.70 Td (30, ) Tj ET Q q 0 0 0 rg BT 371.87 502.70 Td (2013 ) Tj ET Q q 0 0 0 rg BT 403.80 502.70 Td (\(") Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 412.056640625 500.9890625 m 525.1484375 500.9890625 l s q 0 0 0 rg BT 412.06 502.70 Td (2Q ) Tj ET Q q 0 0 0 rg BT 433.30 502.70 Td (2013 ) Tj ET Q q 0 0 0 rg BT 465.24 502.70 Td (Form ) Tj ET Q q 0 0 0 rg BT 498.47 502.70 Td (10-Q) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 525.15 502.70 Td ("\), ) Tj ET Q q 0 0 0 rg BT 541.98 502.70 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 488.30 Td (September ) Tj ET Q q 0 0 0 rg BT 111.53 488.30 Td (30, ) Tj ET Q q 0 0 0 rg BT 131.03 488.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 160.55 488.30 Td (\(") Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 168.810546875 486.5890625 m 274.666015625 486.5890625 l s q 0 0 0 rg BT 168.81 488.30 Td (3Q ) Tj ET Q q 0 0 0 rg BT 187.64 488.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 217.17 488.30 Td (Form ) Tj ET Q q 0 0 0 rg BT 247.99 488.30 Td (10-Q) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 274.67 488.30 Td ("\). ) Tj ET Q q 0 0 0 rg BT 289.08 488.30 Td ( ) Tj ET Q q 0 0 0 rg BT 291.91 488.30 Td (For ) Tj ET Q q 0 0 0 rg BT 312.73 488.30 Td (a ) Tj ET Q q 0 0 0 rg BT 322.23 488.30 Td (discussion ) Tj ET Q q 0 0 0 rg BT 381.09 488.30 Td (of ) Tj ET Q q 0 0 0 rg BT 393.92 488.30 Td (the ) Tj ET Q q 0 0 0 rg BT 413.43 488.30 Td (plan ) Tj ET Q q 0 0 0 rg BT 438.94 488.30 Td (support ) Tj ET Q q 0 0 0 rg BT 481.79 488.30 Td (agreement ) Tj ET Q q 0 0 0 rg BT 541.99 488.30 Td (that ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 473.90 Td (AFI, ) Tj ET Q q 0 0 0 rg BT 74.76 473.90 Td (the ) Tj ET Q q 0 0 0 rg BT 94.20 473.90 Td (ResCap ) Tj ET Q q 0 0 0 rg BT 140.31 473.90 Td (Debtors, ) Tj ET Q q 0 0 0 rg BT 188.42 473.90 Td (and ) Tj ET Q q 0 0 0 rg BT 211.20 473.90 Td (certain ) Tj ET Q q 0 0 0 rg BT 249.97 473.90 Td (other ) Tj ET Q q 0 0 0 rg BT 280.08 473.90 Td (parties ) Tj ET Q q 0 0 0 rg BT 318.86 473.90 Td (entered ) Tj ET Q q 0 0 0 rg BT 362.32 473.90 Td (into ) Tj ET Q q 0 0 0 rg BT 384.42 473.90 Td (in ) Tj ET Q q 0 0 0 rg BT 396.52 473.90 Td (connection ) Tj ET Q q 0 0 0 rg BT 457.32 473.90 Td (with ) Tj ET Q q 0 0 0 rg BT 481.42 473.90 Td (the ) Tj ET Q q 0 0 0 rg BT 500.86 473.90 Td (bankruptcy) Tj ET Q q 0 0 0 rg BT 558.67 473.90 Td (, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 459.50 Td (refer ) Tj ET Q q 0 0 0 rg BT 78.18 459.50 Td (to ) Tj ET Q q 0 0 0 rg BT 91.00 459.50 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 121.47 459.50 Td (Current ) Tj ET Q q 0 0 0 rg BT 164.99 459.50 Td (Report ) Tj ET Q q 0 0 0 rg BT 204.52 459.50 Td (on ) Tj ET Q q 0 0 0 rg BT 221.37 459.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 252.88 459.50 Td (8-K ) Tj ET Q q 0 0 0 rg BT 275.06 459.50 Td (filed ) Tj ET Q q 0 0 0 rg BT 300.58 459.50 Td (on ) Tj ET Q q 0 0 0 rg BT 317.44 459.50 Td (May ) Tj ET Q q 0 0 0 rg BT 343.62 459.50 Td (23, ) Tj ET Q q 0 0 0 rg BT 363.81 459.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 397.34 459.50 Td (as ) Tj ET Q q 0 0 0 rg BT 413.52 459.50 Td (updated ) Tj ET Q q 0 0 0 rg BT 460.41 459.50 Td (in ) Tj ET Q q 0 0 0 rg BT 473.26 459.50 Td (Note ) Tj ET Q q 0 0 0 rg BT 502.11 459.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 512.30 459.50 Td (to ) Tj ET Q q 0 0 0 rg BT 525.81 459.50 Td (the ) Tj ET Q q 0 0 0 rg BT 546.00 459.50 Td (2Q ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 80.03 445.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 111.36 445.10 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 144.71 445.10 Td (and ) Tj ET Q q 0 0 0 rg BT 168.06 445.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 196.74 445.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 206.75 445.10 Td (to ) Tj ET Q q 0 0 0 rg BT 220.09 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.11 445.10 Td (3Q ) Tj ET Q q 0 0 0 rg BT 259.45 445.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 289.48 445.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 320.81 445.10 Td (10-Q.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 418.70 Td (b.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.66 418.70 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 122.00 418.70 Td (Sale of International Businesses) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 392.30 Td (During ) Tj ET Q q 0 0 0 rg BT 90.02 392.30 Td (2012, ) Tj ET Q q 0 0 0 rg BT 123.79 392.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 147.79 392.30 Td (decided ) Tj ET Q q 0 0 0 rg BT 194.49 392.30 Td (to ) Tj ET Q q 0 0 0 rg BT 209.17 392.30 Td (sell ) Tj ET Q q 0 0 0 rg BT 231.84 392.30 Td (substantially ) Tj ET Q q 0 0 0 rg BT 302.54 392.30 Td (all ) Tj ET Q q 0 0 0 rg BT 319.22 392.30 Td (of ) Tj ET Q q 0 0 0 rg BT 333.89 392.30 Td (its ) Tj ET Q q 0 0 0 rg BT 350.56 392.30 Td (international ) Tj ET Q q 0 0 0 rg BT 420.61 392.30 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 488.64 392.30 Td (which ) Tj ET Q q 0 0 0 rg BT 523.99 392.30 Td (include ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 377.90 Td (automotive ) Tj ET Q q 0 0 0 rg BT 112.79 377.90 Td (finance, ) Tj ET Q q 0 0 0 rg BT 158.91 377.90 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 218.37 377.90 Td (and ) Tj ET Q q 0 0 0 rg BT 242.48 377.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 288.60 377.90 Td (and ) Tj ET Q q 0 0 0 rg BT 312.72 377.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 355.50 377.90 Td (operations. ) Tj ET Q q 0 0 0 rg BT 418.97 377.90 Td ( ) Tj ET Q q 0 0 0 rg BT 423.06 377.90 Td (On ) Tj ET Q q 0 0 0 rg BT 443.16 377.90 Td (February ) Tj ET Q q 0 0 0 rg BT 495.26 377.90 Td (1, ) Tj ET Q q 0 0 0 rg BT 509.36 377.90 Td (2013, ) Tj ET Q q 0 0 0 rg BT 542.67 377.90 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 363.50 Td (completed ) Tj ET Q q 0 0 0 rg BT 109.21 363.50 Td (the ) Tj ET Q q 0 0 0 rg BT 129.74 363.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 155.60 363.50 Td (of ) Tj ET Q q 0 0 0 rg BT 169.46 363.50 Td (its ) Tj ET Q q 0 0 0 rg BT 185.30 363.50 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 240.52 363.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 303.07 363.50 Td (finance ) Tj ET Q q 0 0 0 rg BT 345.61 363.50 Td (operation ) Tj ET Q q 0 0 0 rg BT 399.50 363.50 Td (to ) Tj ET Q q 0 0 0 rg BT 413.35 363.50 Td (Royal ) Tj ET Q q 0 0 0 rg BT 447.88 363.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 479.08 363.50 Td (of ) Tj ET Q q 0 0 0 rg BT 492.93 363.50 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 542.15 363.50 Td ( ) Tj ET Q q 0 0 0 rg BT 545.99 363.50 Td (On ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (February ) Tj ET Q q 0 0 0 rg BT 99.71 349.10 Td (28, ) Tj ET Q q 0 0 0 rg BT 118.08 349.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 149.47 349.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 170.49 349.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 227.55 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.92 349.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 269.63 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.33 349.10 Td (Car ) Tj ET Q q 0 0 0 rg BT 302.36 349.10 Td (Care ) Tj ET Q q 0 0 0 rg BT 330.06 349.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 355.77 349.10 Td (\(Holdings\) ) Tj ET Q q 0 0 0 rg BT 412.14 349.10 Td (Ltd. ) Tj ET Q q 0 0 0 rg BT 433.85 349.10 Td (, ) Tj ET Q q 0 0 0 rg BT 438.88 349.10 Td (which ) Tj ET Q q 0 0 0 rg BT 471.25 349.10 Td (held ) Tj ET Q q 0 0 0 rg BT 495.63 349.10 Td (its ) Tj ET Q q 0 0 0 rg BT 509.32 349.10 Td (remaining ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 334.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 104.37 334.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 162.76 334.70 Td (in ) Tj ET Q q 0 0 0 rg BT 174.44 334.70 Td (Europe ) Tj ET Q q 0 0 0 rg BT 215.48 334.70 Td (and ) Tj ET Q q 0 0 0 rg BT 237.84 334.70 Td (Latin ) Tj ET Q q 0 0 0 rg BT 265.74 334.70 Td (America, ) Tj ET Q q 0 0 0 rg BT 315.43 334.70 Td (to ) Tj ET Q q 0 0 0 rg BT 327.31 334.70 Td (Amtrust ) Tj ET Q q 0 0 0 rg BT 370.99 334.70 Td (Financial ) Tj ET Q q 0 0 0 rg BT 421.36 334.70 Td (Services. ) Tj ET Q q 0 0 0 rg BT 473.05 334.70 Td ( ) Tj ET Q q 0 0 0 rg BT 475.39 334.70 Td (On ) Tj ET Q q 0 0 0 rg BT 493.28 334.70 Td (April ) Tj ET Q q 0 0 0 rg BT 519.63 334.70 Td (1, ) Tj ET Q q 0 0 0 rg BT 531.98 334.70 Td (2013, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 320.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.36 320.30 Td (completed ) Tj ET Q q 0 0 0 rg BT 132.75 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 153.46 320.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 179.50 320.30 Td (of ) Tj ET Q q 0 0 0 rg BT 193.53 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 214.24 320.30 Td (majority ) Tj ET Q q 0 0 0 rg BT 260.27 320.30 Td (of ) Tj ET Q q 0 0 0 rg BT 274.31 320.30 Td (its ) Tj ET Q q 0 0 0 rg BT 290.33 320.30 Td (automotive ) Tj ET Q q 0 0 0 rg BT 353.06 320.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 395.78 320.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 455.84 320.30 Td (in ) Tj ET Q q 0 0 0 rg BT 469.21 320.30 Td (Europe ) Tj ET Q q 0 0 0 rg BT 511.93 320.30 Td (and ) Tj ET Q q 0 0 0 rg BT 535.98 320.30 Td (Latin ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 305.90 Td (America ) Tj ET Q q 0 0 0 rg BT 97.46 305.90 Td (to ) Tj ET Q q 0 0 0 rg BT 110.91 305.90 Td (General ) Tj ET Q q 0 0 0 rg BT 157.05 305.90 Td (Motors ) Tj ET Q q 0 0 0 rg BT 197.17 305.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 248.65 305.90 Td (Company) Tj ET Q q 0 0 0 rg BT 299.11 305.90 Td (, ) Tj ET Q q 0 0 0 rg BT 305.89 305.90 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 328.68 305.90 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 336.67529296875 304.1890625 m 407.4765625 304.1890625 l s q 0 0 0 rg BT 336.68 305.90 Td (GM ) Tj ET Q q 0 0 0 rg BT 359.45 305.90 Td (Financial) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 407.48 305.90 Td (\), ) Tj ET Q q 0 0 0 rg BT 422.25 305.90 Td (a ) Tj ET Q q 0 0 0 rg BT 432.37 305.90 Td (wholly ) Tj ET Q q 0 0 0 rg BT 469.17 305.90 Td (owned ) Tj ET Q q 0 0 0 rg BT 507.97 305.90 Td (subsidiary ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 291.50 Td (of ) Tj ET Q q 0 0 0 rg BT 62.90 291.50 Td (GM. ) Tj ET Q q 0 0 0 rg BT 88.45 291.50 Td ( ) Tj ET Q q 0 0 0 rg BT 91.34 291.50 Td (On ) Tj ET Q q 0 0 0 rg BT 110.24 291.50 Td (May ) Tj ET Q q 0 0 0 rg BT 135.80 291.50 Td (2, ) Tj ET Q q 0 0 0 rg BT 148.70 291.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 181.04 291.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 203.27 291.50 Td (completed ) Tj ET Q q 0 0 0 rg BT 261.52 291.50 Td (the ) Tj ET Q q 0 0 0 rg BT 281.09 291.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 306.00 291.50 Td (of ) Tj ET Q q 0 0 0 rg BT 318.89 291.50 Td (its ) Tj ET Q q 0 0 0 rg BT 333.78 291.50 Td (Mexican ) Tj ET Q q 0 0 0 rg BT 381.36 291.50 Td (insurance ) Tj ET Q q 0 0 0 rg BT 436.28 291.50 Td (company) Tj ET Q q 0 0 0 rg BT 484.08 291.50 Td (, ) Tj ET Q q 0 0 0 rg BT 489.73 291.50 Td (Aba ) Tj ET Q q 0 0 0 rg BT 513.97 291.50 Td (Seguros, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (S.A. ) Tj ET Q q 0 0 0 rg BT 74.66 277.10 Td (de ) Tj ET Q q 0 0 0 rg BT 89.99 277.10 Td (C.V) Tj ET Q q 0 0 0 rg BT 108.89 277.10 Td (., ) Tj ET Q q 0 0 0 rg BT 117.54 277.10 Td (to ) Tj ET Q q 0 0 0 rg BT 129.13 277.10 Td (ACE ) Tj ET Q q 0 0 0 rg BT 155.79 277.10 Td (Ltd. ) Tj ET Q q 0 0 0 rg BT 177.78 277.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.76 277.10 Td (On ) Tj ET Q q 0 0 0 rg BT 197.75 277.10 Td (June ) Tj ET Q q 0 0 0 rg BT 225.76 277.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 237.74 277.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 269.36 277.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 290.68 277.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 348.02 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.69 277.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 390.68 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.67 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.33 277.10 Td (remainder ) Tj ET Q q 0 0 0 rg BT 477.34 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 489.33 277.10 Td (its ) Tj ET Q q 0 0 0 rg BT 503.31 277.10 Td (automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 262.70 Td (finance ) Tj ET Q q 0 0 0 rg BT 91.65 262.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 150.65 262.70 Td (in ) Tj ET Q q 0 0 0 rg BT 162.95 262.70 Td (Europe ) Tj ET Q q 0 0 0 rg BT 204.61 262.70 Td (to ) Tj ET Q q 0 0 0 rg BT 217.57 262.70 Td (GM ) Tj ET Q q 0 0 0 rg BT 239.86 262.70 Td (Financial. ) Tj ET Q q 0 0 0 rg BT 294.18 262.70 Td ( ) Tj ET Q q 0 0 0 rg BT 297.14 262.70 Td (On ) Tj ET Q q 0 0 0 rg BT 316.11 262.70 Td (October ) Tj ET Q q 0 0 0 rg BT 361.75 262.70 Td (1, ) Tj ET Q q 0 0 0 rg BT 374.72 262.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 407.12 262.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 429.42 262.70 Td (completed ) Tj ET Q q 0 0 0 rg BT 487.74 262.70 Td (the ) Tj ET Q q 0 0 0 rg BT 507.38 262.70 Td (sale ) Tj ET Q q 0 0 0 rg BT 532.36 262.70 Td (of ) Tj ET Q q 0 0 0 rg BT 545.32 262.70 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 248.30 Td (remainder ) Tj ET Q q 0 0 0 rg BT 108.88 248.30 Td (of ) Tj ET Q q 0 0 0 rg BT 123.74 248.30 Td (its ) Tj ET Q q 0 0 0 rg BT 140.59 248.30 Td (automotive ) Tj ET Q q 0 0 0 rg BT 204.14 248.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 247.69 248.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 308.58 248.30 Td (in ) Tj ET Q q 0 0 0 rg BT 322.78 248.30 Td (Latin ) Tj ET Q q 0 0 0 rg BT 352.69 248.30 Td (America ) Tj ET Q q 0 0 0 rg BT 401.55 248.30 Td (to ) Tj ET Q q 0 0 0 rg BT 416.41 248.30 Td (GM ) Tj ET Q q 0 0 0 rg BT 440.59 248.30 Td (Financial. ) Tj ET Q q 0 0 0 rg BT 496.80 248.30 Td ( ) Tj ET Q q 0 0 0 rg BT 501.66 248.30 Td (Finally) Tj ET Q q 0 0 0 rg BT 535.44 248.30 Td (, ) Tj ET Q q 0 0 0 rg BT 542.67 248.30 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 233.90 Td (anticipates ) Tj ET Q q 0 0 0 rg BT 110.19 233.90 Td (closing ) Tj ET Q q 0 0 0 rg BT 150.37 233.90 Td (the ) Tj ET Q q 0 0 0 rg BT 169.87 233.90 Td (sale ) Tj ET Q q 0 0 0 rg BT 194.71 233.90 Td (of ) Tj ET Q q 0 0 0 rg BT 207.54 233.90 Td (its ) Tj ET Q q 0 0 0 rg BT 222.36 233.90 Td (share ) Tj ET Q q 0 0 0 rg BT 255.20 233.90 Td (in ) Tj ET Q q 0 0 0 rg BT 267.37 233.90 Td (a ) Tj ET Q q 0 0 0 rg BT 276.86 233.90 Td (joint ) Tj ET Q q 0 0 0 rg BT 301.70 233.90 Td (venture ) Tj ET Q q 0 0 0 rg BT 344.55 233.90 Td (in ) Tj ET Q q 0 0 0 rg BT 356.71 233.90 Td (China ) Tj ET Q q 0 0 0 rg BT 390.89 233.90 Td (to ) Tj ET Q q 0 0 0 rg BT 403.72 233.90 Td (GM ) Tj ET Q q 0 0 0 rg BT 425.87 233.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 476.71 233.90 Td (during ) Tj ET Q q 0 0 0 rg BT 512.90 233.90 Td (2014. ) Tj ET Q q 0 0 0 rg BT 545.75 233.90 Td ( ) Tj ET Q q 0 0 0 rg BT 548.01 233.90 Td (As ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 219.50 Td (a ) Tj ET Q q 0 0 0 rg BT 60.83 219.50 Td (result ) Tj ET Q q 0 0 0 rg BT 94.32 219.50 Td (of ) Tj ET Q q 0 0 0 rg BT 108.48 219.50 Td (these ) Tj ET Q q 0 0 0 rg BT 141.99 219.50 Td (sales, ) Tj ET Q q 0 0 0 rg BT 177.49 219.50 Td (for ) Tj ET Q q 0 0 0 rg BT 195.64 219.50 Td (all ) Tj ET Q q 0 0 0 rg BT 211.80 219.50 Td (periods ) Tj ET Q q 0 0 0 rg BT 255.31 219.50 Td (presented ) Tj ET Q q 0 0 0 rg BT 312.83 219.50 Td (in ) Tj ET Q q 0 0 0 rg BT 326.32 219.50 Td (this ) Tj ET Q q 0 0 0 rg BT 349.15 219.50 Td (Public ) Tj ET Q q 0 0 0 rg BT 385.98 219.50 Td (Section, ) Tj ET Q q 0 0 0 rg BT 433.49 219.50 Td (the ) Tj ET Q q 0 0 0 rg BT 454.33 219.50 Td (operating ) Tj ET Q q 0 0 0 rg BT 508.52 219.50 Td (results ) Tj ET Q q 0 0 0 rg BT 548.01 219.50 Td (for ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (these ) Tj ET Q q 0 0 0 rg BT 82.69 205.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 142.06 205.10 Td (have ) Tj ET Q q 0 0 0 rg BT 171.42 205.10 Td (been ) Tj ET Q q 0 0 0 rg BT 201.45 205.10 Td (removed ) Tj ET Q q 0 0 0 rg BT 251.47 205.10 Td (from ) Tj ET Q q 0 0 0 rg BT 278.80 205.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 336.85 205.10 Td (operations.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 178.70 Td (For ) Tj ET Q q 0 0 0 rg BT 71.64 178.70 Td (further ) Tj ET Q q 0 0 0 rg BT 109.96 178.70 Td (details ) Tj ET Q q 0 0 0 rg BT 148.28 178.70 Td (with ) Tj ET Q q 0 0 0 rg BT 173.26 178.70 Td (respect ) Tj ET Q q 0 0 0 rg BT 216.24 178.70 Td (to ) Tj ET Q q 0 0 0 rg BT 229.17 178.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 260.43 178.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 292.08 178.70 Td (of ) Tj ET Q q 0 0 0 rg BT 305.73 178.70 Td (international ) Tj ET Q q 0 0 0 rg BT 374.74 178.70 Td (operations, ) Tj ET Q q 0 0 0 rg BT 437.75 178.70 Td (refer ) Tj ET Q q 0 0 0 rg BT 466.06 178.70 Td (to ) Tj ET Q q 0 0 0 rg BT 479.71 178.70 Td (Notes ) Tj ET Q q 0 0 0 rg BT 514.69 178.70 Td (2 ) Tj ET Q q 0 0 0 rg BT 525.00 178.70 Td (and ) Tj ET Q q 0 0 0 rg BT 548.66 178.70 Td (31 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 164.30 Td (to ) Tj ET Q q 0 0 0 rg BT 62.58 164.30 Td (the ) Tj ET Q q 0 0 0 rg BT 81.84 164.30 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 154.46 164.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 205.06 164.30 Td (Statements ) Tj ET Q q 0 0 0 rg BT 268.33 164.30 Td (in ) Tj ET Q q 0 0 0 rg BT 280.25 164.30 Td (the ) Tj ET Q q 0 0 0 rg BT 299.51 164.30 Td (2012 ) Tj ET Q q 0 0 0 rg BT 328.78 164.30 Td (Form ) Tj ET Q q 0 0 0 rg BT 359.35 164.30 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 390.61 164.30 Td (to ) Tj ET Q q 0 0 0 rg BT 403.19 164.30 Td (Notes ) Tj ET Q q 0 0 0 rg BT 437.11 164.30 Td (2 ) Tj ET Q q 0 0 0 rg BT 446.36 164.30 Td (and ) Tj ET Q q 0 0 0 rg BT 468.96 164.30 Td (27 ) Tj ET Q q 0 0 0 rg BT 484.88 164.30 Td (to ) Tj ET Q q 0 0 0 rg BT 497.46 164.30 Td (the ) Tj ET Q q 0 0 0 rg BT 516.72 164.30 Td (1Q ) Tj ET Q q 0 0 0 rg BT 535.30 164.30 Td (2013 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 149.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 81.13 149.90 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 114.27 149.90 Td (Note ) Tj ET Q q 0 0 0 rg BT 142.75 149.90 Td (2 ) Tj ET Q q 0 0 0 rg BT 152.56 149.90 Td (to ) Tj ET Q q 0 0 0 rg BT 165.70 149.90 Td (the ) Tj ET Q q 0 0 0 rg BT 185.51 149.90 Td (2Q ) Tj ET Q q 0 0 0 rg BT 204.65 149.90 Td (2013 ) Tj ET Q q 0 0 0 rg BT 234.48 149.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 265.61 149.90 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 298.75 149.90 Td (Notes ) Tj ET Q q 0 0 0 rg BT 333.23 149.90 Td (2 ) Tj ET Q q 0 0 0 rg BT 343.04 149.90 Td (and ) Tj ET Q q 0 0 0 rg BT 366.19 149.90 Td (27 ) Tj ET Q q 0 0 0 rg BT 382.67 149.90 Td (to ) Tj ET Q q 0 0 0 rg BT 395.81 149.90 Td (the ) Tj ET Q q 0 0 0 rg BT 415.63 149.90 Td (3Q ) Tj ET Q q 0 0 0 rg BT 434.77 149.90 Td (2013 ) Tj ET Q q 0 0 0 rg BT 464.59 149.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 495.72 149.90 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 528.87 149.90 Td (and ) Tj ET Q q 0 0 0 rg BT 552.02 149.90 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 135.50 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 80.63 135.50 Td (Current ) Tj ET Q q 0 0 0 rg BT 124.32 135.50 Td (Report ) Tj ET Q q 0 0 0 rg BT 164.02 135.50 Td (on ) Tj ET Q q 0 0 0 rg BT 181.04 135.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 212.71 135.50 Td (8-K ) Tj ET Q q 0 0 0 rg BT 235.06 135.50 Td (filed ) Tj ET Q q 0 0 0 rg BT 260.75 135.50 Td (on ) Tj ET Q q 0 0 0 rg BT 277.78 135.50 Td (July ) Tj ET Q q 0 0 0 rg BT 302.79 135.50 Td (9, ) Tj ET Q q 0 0 0 rg BT 316.47 135.50 Td (2013. ) Tj ET Q q 0 0 0 rg BT 350.18 135.50 Td ( ) Tj ET Q q 0 0 0 rg BT 353.86 135.50 Td (For ) Tj ET Q q 0 0 0 rg BT 375.53 135.50 Td (further ) Tj ET Q q 0 0 0 rg BT 413.89 135.50 Td (details ) Tj ET Q q 0 0 0 rg BT 452.25 135.50 Td (with ) Tj ET Q q 0 0 0 rg BT 477.27 135.50 Td (respect ) Tj ET Q q 0 0 0 rg BT 520.29 135.50 Td (to ) Tj ET Q q 0 0 0 rg BT 533.98 135.50 Td (sales ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (that ) Tj ET Q q 0 0 0 rg BT 72.76 121.10 Td (have ) Tj ET Q q 0 0 0 rg BT 101.52 121.10 Td (been ) Tj ET Q q 0 0 0 rg BT 130.96 121.10 Td (completed, ) Tj ET Q q 0 0 0 rg BT 192.40 121.10 Td (refer ) Tj ET Q q 0 0 0 rg BT 219.82 121.10 Td (to ) Tj ET Q q 0 0 0 rg BT 232.03 121.10 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 261.73 121.10 Td (Current ) Tj ET Q q 0 0 0 rg BT 304.49 121.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 349.25 121.10 Td (on ) Tj ET Q q 0 0 0 rg BT 365.34 121.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 396.08 121.10 Td (8-K ) Tj ET Q q 0 0 0 rg BT 417.49 121.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 442.25 121.10 Td (February ) Tj ET Q q 0 0 0 rg BT 493.01 121.10 Td (5, ) Tj ET Q q 0 0 0 rg BT 505.76 121.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 537.99 121.10 Td (April ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 106.70 Td (2, ) Tj ET Q q 0 0 0 rg BT 63.34 106.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 96.71 106.70 Td (May ) Tj ET Q q 0 0 0 rg BT 122.71 106.70 Td (2, ) Tj ET Q q 0 0 0 rg BT 136.05 106.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 169.41 106.70 Td (June ) Tj ET Q q 0 0 0 rg BT 198.77 106.70 Td (3, ) Tj ET Q q 0 0 0 rg BT 212.11 106.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 245.47 106.70 Td (and ) Tj ET Q q 0 0 0 rg BT 268.83 106.70 Td (October ) Tj ET Q q 0 0 0 rg BT 314.85 106.70 Td (2, ) Tj ET Q q 0 0 0 rg BT 328.19 106.70 Td (2013.) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 740.30 Td (c.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.01 740.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 122.00 740.30 Td (Mortgage) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 713.90 Td (In ) Tj ET Q q 0 0 0 rg BT 62.87 713.90 Td (July ) Tj ET Q q 0 0 0 rg BT 87.07 713.90 Td (2012, ) Tj ET Q q 0 0 0 rg BT 119.39 713.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 141.59 713.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 171.81 713.90 Td (announced ) Tj ET Q q 0 0 0 rg BT 234.06 713.90 Td (its ) Tj ET Q q 0 0 0 rg BT 248.92 713.90 Td (intention ) Tj ET Q q 0 0 0 rg BT 297.15 713.90 Td (to ) Tj ET Q q 0 0 0 rg BT 310.02 713.90 Td (shut ) Tj ET Q q 0 0 0 rg BT 335.56 713.90 Td (down ) Tj ET Q q 0 0 0 rg BT 367.11 713.90 Td (its ) Tj ET Q q 0 0 0 rg BT 381.97 713.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 408.17 713.90 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 469.74 713.90 Td (lending ) Tj ET Q q 0 0 0 rg BT 511.30 713.90 Td (business. ) Tj ET Q q 0 0 0 rg BT 565.33 713.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 699.50 Td (As ) Tj ET Q q 0 0 0 rg BT 67.47 699.50 Td (of ) Tj ET Q q 0 0 0 rg BT 80.95 699.50 Td (December ) Tj ET Q q 0 0 0 rg BT 139.77 699.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 159.92 699.50 Td (2012, ) Tj ET Q q 0 0 0 rg BT 192.73 699.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 215.54 699.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 246.36 699.50 Td (had ) Tj ET Q q 0 0 0 rg BT 269.85 699.50 Td (successfully ) Tj ET Q q 0 0 0 rg BT 338.01 699.50 Td (managed ) Tj ET Q q 0 0 0 rg BT 391.52 699.50 Td (its ) Tj ET Q q 0 0 0 rg BT 406.98 699.50 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 469.16 699.50 Td (receivables ) Tj ET Q q 0 0 0 rg BT 533.33 699.50 Td (down ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 63.79 685.10 Td ($0 ) Tj ET Q q 0 0 0 rg BT 80.91 685.10 Td (with ) Tj ET Q q 0 0 0 rg BT 106.03 685.10 Td (no ) Tj ET Q q 0 0 0 rg BT 123.16 685.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 198.28 685.10 Td (outstanding. ) Tj ET Q q 0 0 0 rg BT 267.44 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 271.22 685.10 Td (On ) Tj ET Q q 0 0 0 rg BT 291.01 685.10 Td (October ) Tj ET Q q 0 0 0 rg BT 337.47 685.10 Td (26, ) Tj ET Q q 0 0 0 rg BT 357.93 685.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 390.99 685.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 414.10 685.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 445.23 685.10 Td (announced ) Tj ET Q q 0 0 0 rg BT 508.40 685.10 Td (that ) Tj ET Q q 0 0 0 rg BT 532.19 685.10 Td (it ) Tj ET Q q 0 0 0 rg BT 541.97 685.10 Td (had ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 670.70 Td (begun ) Tj ET Q q 0 0 0 rg BT 86.13 670.70 Td (to ) Tj ET Q q 0 0 0 rg BT 98.90 670.70 Td (explore ) Tj ET Q q 0 0 0 rg BT 141.02 670.70 Td (strategic ) Tj ET Q q 0 0 0 rg BT 189.13 670.70 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 253.25 670.70 Td (for ) Tj ET Q q 0 0 0 rg BT 270.02 670.70 Td (its ) Tj ET Q q 0 0 0 rg BT 284.78 670.70 Td (agency ) Tj ET Q q 0 0 0 rg BT 326.24 670.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 379.69 670.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 429.80 670.70 Td (rights ) Tj ET Q q 0 0 0 rg BT 461.91 670.70 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 469.8994140625 668.9890625 m 502.5654296875 668.9890625 l s q 0 0 0 rg BT 469.90 670.70 Td (MSRs) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 502.57 670.70 Td (\) ) Tj ET Q q 0 0 0 rg BT 513.32 670.70 Td (portfolios ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 656.30 Td (and ) Tj ET Q q 0 0 0 rg BT 75.14 656.30 Td (its ) Tj ET Q q 0 0 0 rg BT 92.25 656.30 Td (business ) Tj ET Q q 0 0 0 rg BT 144.73 656.30 Td (lending ) Tj ET Q q 0 0 0 rg BT 188.55 656.30 Td (operations. ) Tj ET Q q 0 0 0 rg BT 253.04 656.30 Td ( ) Tj ET Q q 0 0 0 rg BT 258.15 656.30 Td (Subsequently) Tj ET Q q 0 0 0 rg BT 329.98 656.30 Td (, ) Tj ET Q q 0 0 0 rg BT 338.43 656.30 Td (on ) Tj ET Q q 0 0 0 rg BT 356.89 656.30 Td (February ) Tj ET Q q 0 0 0 rg BT 410.03 656.30 Td (28, ) Tj ET Q q 0 0 0 rg BT 431.83 656.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 465.95 656.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 490.41 656.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 522.87 656.30 Td (sold ) Tj ET Q q 0 0 0 rg BT 550.00 656.30 Td (its ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (business ) Tj ET Q q 0 0 0 rg BT 99.87 641.90 Td (lending ) Tj ET Q q 0 0 0 rg BT 141.09 641.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 199.64 641.90 Td (to ) Tj ET Q q 0 0 0 rg BT 212.16 641.90 Td (W) Tj ET Q q 0 0 0 rg BT 223.04 641.90 Td (alter ) Tj ET Q q 0 0 0 rg BT 248.89 641.90 Td (Investment ) Tj ET Q q 0 0 0 rg BT 310.10 641.90 Td (Management ) Tj ET Q q 0 0 0 rg BT 382.65 641.90 Td (Corp. ) Tj ET Q q 0 0 0 rg BT 414.51 641.90 Td ( ) Tj ET Q q 0 0 0 rg BT 417.02 641.90 Td (On ) Tj ET Q q 0 0 0 rg BT 435.04 641.90 Td (April ) Tj ET Q q 0 0 0 rg BT 461.56 641.90 Td (16, ) Tj ET Q q 0 0 0 rg BT 480.75 641.90 Td (2013, ) Tj ET Q q 0 0 0 rg BT 512.79 641.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 534.64 641.90 Td (Bank ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 627.50 Td (completed ) Tj ET Q q 0 0 0 rg BT 110.26 627.50 Td (sales ) Tj ET Q q 0 0 0 rg BT 143.16 627.50 Td (of ) Tj ET Q q 0 0 0 rg BT 158.06 627.50 Td (agency ) Tj ET Q q 0 0 0 rg BT 201.64 627.50 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 239.20 627.50 Td (to ) Tj ET Q q 0 0 0 rg BT 254.10 627.50 Td (Ocwen ) Tj ET Q q 0 0 0 rg BT 296.33 627.50 Td (Financial ) Tj ET Q q 0 0 0 rg BT 349.25 627.50 Td (Corp. ) Tj ET Q q 0 0 0 rg BT 383.48 627.50 Td (and ) Tj ET Q q 0 0 0 rg BT 408.39 627.50 Td (Quicken ) Tj ET Q q 0 0 0 rg BT 457.31 627.50 Td (Loans. ) Tj ET Q q 0 0 0 rg BT 498.22 627.50 Td ( ) Tj ET Q q 0 0 0 rg BT 502.14 627.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 526.37 627.50 Td (Bank's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 106.01 613.10 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 142.00 613.10 Td (were ) Tj ET Q q 0 0 0 rg BT 171.33 613.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 196.66 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 209.32 613.10 Td (a ) Tj ET Q q 0 0 0 rg BT 219.31 613.10 Td (series ) Tj ET Q q 0 0 0 rg BT 254.64 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.97 613.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 313.31 613.10 Td (closings, ) Tj ET Q q 0 0 0 rg BT 363.31 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.31 613.10 Td (last ) Tj ET Q q 0 0 0 rg BT 405.31 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.63 613.10 Td (which ) Tj ET Q q 0 0 0 rg BT 452.63 613.10 Td (closed ) Tj ET Q q 0 0 0 rg BT 490.64 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 503.30 613.10 Td (September ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (2013. ) Tj ET Q q 0 0 0 rg BT 82.80 598.70 Td ( ) Tj ET Q q 0 0 0 rg BT 85.57 598.70 Td (Finally) Tj ET Q q 0 0 0 rg BT 119.36 598.70 Td (, ) Tj ET Q q 0 0 0 rg BT 125.46 598.70 Td (on ) Tj ET Q q 0 0 0 rg BT 141.03 598.70 Td (April ) Tj ET Q q 0 0 0 rg BT 167.80 598.70 Td (17, ) Tj ET Q q 0 0 0 rg BT 187.26 598.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 219.51 598.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 241.61 598.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 271.74 598.70 Td (announced ) Tj ET Q q 0 0 0 rg BT 333.90 598.70 Td (a ) Tj ET Q q 0 0 0 rg BT 343.34 598.70 Td (decision ) Tj ET Q q 0 0 0 rg BT 390.14 598.70 Td (to ) Tj ET Q q 0 0 0 rg BT 402.92 598.70 Td (exit ) Tj ET Q q 0 0 0 rg BT 424.36 598.70 Td (the ) Tj ET Q q 0 0 0 rg BT 443.81 598.70 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 523.30 598.70 Td (lending ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (channel ) Tj ET Q q 0 0 0 rg BT 95.37 584.30 Td (and ) Tj ET Q q 0 0 0 rg BT 118.72 584.30 Td (cease ) Tj ET Q q 0 0 0 rg BT 154.08 584.30 Td (production ) Tj ET Q q 0 0 0 rg BT 213.45 584.30 Td (of ) Tj ET Q q 0 0 0 rg BT 226.79 584.30 Td (any ) Tj ET Q q 0 0 0 rg BT 249.48 584.30 Td (new ) Tj ET Q q 0 0 0 rg BT 274.82 584.30 Td (jumbo ) Tj ET Q q 0 0 0 rg BT 310.84 584.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 364.87 584.30 Td (loans.) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 244.80 560.30 Td (______________________) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 533.90 Td (The ) Tj ET Q q 0 0 0 rg BT 72.96 533.90 Td (information ) Tj ET Q q 0 0 0 rg BT 134.61 533.90 Td (contained ) Tj ET Q q 0 0 0 rg BT 188.93 533.90 Td (in ) Tj ET Q q 0 0 0 rg BT 200.56 533.90 Td (the ) Tj ET Q q 0 0 0 rg BT 219.52 533.90 Td (Plans ) Tj ET Q q 0 0 0 rg BT 251.83 533.90 Td (has ) Tj ET Q q 0 0 0 rg BT 273.46 533.90 Td (been ) Tj ET Q q 0 0 0 rg BT 302.44 533.90 Td (prepared ) Tj ET Q q 0 0 0 rg BT 352.76 533.90 Td (in ) Tj ET Q q 0 0 0 rg BT 364.38 533.90 Td (accordance ) Tj ET Q q 0 0 0 rg BT 428.70 533.90 Td (with ) Tj ET Q q 0 0 0 rg BT 452.33 533.90 Td (applicable ) Tj ET Q q 0 0 0 rg BT 508.65 533.90 Td (regulatory ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 519.50 Td (requirements ) Tj ET Q q 0 0 0 rg BT 123.20 519.50 Td (and ) Tj ET Q q 0 0 0 rg BT 146.40 519.50 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 201.61 519.50 Td ( ) Tj ET Q q 0 0 0 rg BT 204.36 519.50 Td (Any ) Tj ET Q q 0 0 0 rg BT 228.21 519.50 Td (differences ) Tj ET Q q 0 0 0 rg BT 290.08 519.50 Td (in ) Tj ET Q q 0 0 0 rg BT 302.59 519.50 Td (the ) Tj ET Q q 0 0 0 rg BT 322.44 519.50 Td (presentation ) Tj ET Q q 0 0 0 rg BT 391.66 519.50 Td (of ) Tj ET Q q 0 0 0 rg BT 404.84 519.50 Td (information ) Tj ET Q q 0 0 0 rg BT 467.37 519.50 Td (concerning ) Tj ET Q q 0 0 0 rg BT 528.82 519.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 551.33 519.50 Td (or ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.91 505.10 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 114.12 505.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 178.72 505.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.31 505.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 263.92 505.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 307.17 505.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.75 505.10 Td (how ) Tj ET Q q 0 0 0 rg BT 347.72 505.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 371.63 505.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 422.22 505.10 Td (such ) Tj ET Q q 0 0 0 rg BT 452.14 505.10 Td (information ) Tj ET Q q 0 0 0 rg BT 516.07 505.10 Td (for ) Tj ET Q q 0 0 0 rg BT 534.65 505.10 Td (other ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 490.70 Td (purposes ) Tj ET Q q 0 0 0 rg BT 101.75 490.70 Td (is ) Tj ET Q q 0 0 0 rg BT 112.79 490.70 Td (solely ) Tj ET Q q 0 0 0 rg BT 145.85 490.70 Td (due ) Tj ET Q q 0 0 0 rg BT 168.25 490.70 Td (to ) Tj ET Q q 0 0 0 rg BT 180.32 490.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 210.33 490.70 Td (efforts ) Tj ET Q q 0 0 0 rg BT 246.05 490.70 Td (to ) Tj ET Q q 0 0 0 rg BT 258.44 490.70 Td (comply ) Tj ET Q q 0 0 0 rg BT 298.83 490.70 Td (with ) Tj ET Q q 0 0 0 rg BT 322.55 490.70 Td (the ) Tj ET Q q 0 0 0 rg BT 341.61 490.70 Td (Rules. ) Tj ET Q q 0 0 0 rg BT 378.01 490.70 Td ( ) Tj ET Q q 0 0 0 rg BT 380.39 490.70 Td (The ) Tj ET Q q 0 0 0 rg BT 403.44 490.70 Td (information ) Tj ET Q q 0 0 0 rg BT 465.19 490.70 Td (presented ) Tj ET Q q 0 0 0 rg BT 520.94 490.70 Td (in ) Tj ET Q q 0 0 0 rg BT 532.66 490.70 Td (these ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 476.30 Td (Plans, ) Tj ET Q q 0 0 0 rg BT 85.55 476.30 Td (including ) Tj ET Q q 0 0 0 rg BT 135.12 476.30 Td (the ) Tj ET Q q 0 0 0 rg BT 154.00 476.30 Td (designation ) Tj ET Q q 0 0 0 rg BT 217.59 476.30 Td (of ) Tj ET Q q 0 0 0 rg BT 229.80 476.30 Td (material ) Tj ET Q q 0 0 0 rg BT 278.67 476.30 Td (entities, ) Tj ET Q q 0 0 0 rg BT 326.23 476.30 Td (core ) Tj ET Q q 0 0 0 rg BT 355.77 476.30 Td (business ) Tj ET Q q 0 0 0 rg BT 405.33 476.30 Td (lines ) Tj ET Q q 0 0 0 rg BT 436.21 476.30 Td (and ) Tj ET Q q 0 0 0 rg BT 458.43 476.30 Td (critical ) Tj ET Q q 0 0 0 rg BT 498.63 476.30 Td (operations, ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 461.90 Td (does ) Tj ET Q q 0 0 0 rg BT 81.00 461.90 Td (not, ) Tj ET Q q 0 0 0 rg BT 105.99 461.90 Td (in ) Tj ET Q q 0 0 0 rg BT 120.31 461.90 Td (any ) Tj ET Q q 0 0 0 rg BT 144.64 461.90 Td (way) Tj ET Q q 0 0 0 rg BT 165.09 461.90 Td (, ) Tj ET Q q 0 0 0 rg BT 173.40 461.90 Td (reflect ) Tj ET Q q 0 0 0 rg BT 211.05 461.90 Td (changes ) Tj ET Q q 0 0 0 rg BT 261.40 461.90 Td (to ) Tj ET Q q 0 0 0 rg BT 275.72 461.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 300.04 461.90 Td (or ) Tj ET Q q 0 0 0 rg BT 315.02 461.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 339.33 461.90 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 379.95 461.90 Td (organizational ) Tj ET Q q 0 0 0 rg BT 459.65 461.90 Td (structure, ) Tj ET Q q 0 0 0 rg BT 514.64 461.90 Td (business ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 447.50 Td (practices ) Tj ET Q q 0 0 0 rg BT 101.35 447.50 Td (or ) Tj ET Q q 0 0 0 rg BT 115.36 447.50 Td (strategy) Tj ET Q q 0 0 0 rg BT 157.15 447.50 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (In ) Tj ET Q q 0 0 0 rg BT 64.06 421.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 113.48 421.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.21 421.10 Td (information ) Tj ET Q q 0 0 0 rg BT 197.62 421.10 Td (in ) Tj ET Q q 0 0 0 rg BT 211.01 421.10 Td (this ) Tj ET Q q 0 0 0 rg BT 233.74 421.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 270.47 421.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 314.54 421.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 376.76 421.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 408.44 421.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 450.50 421.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 503.24 421.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 541.98 421.10 Td (and ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 406.70 Td (funding ) Tj ET Q q 0 0 0 rg BT 92.50 406.70 Td (sources ) Tj ET Q q 0 0 0 rg BT 137.66 406.70 Td (has ) Tj ET Q q 0 0 0 rg BT 160.14 406.70 Td (been ) Tj ET Q q 0 0 0 rg BT 189.97 406.70 Td (extracted ) Tj ET Q q 0 0 0 rg BT 242.47 406.70 Td (from ) Tj ET Q q 0 0 0 rg BT 269.18 406.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 299.94 406.70 Td (1Q ) Tj ET Q q 0 0 0 rg BT 319.09 406.70 Td (2013 ) Tj ET Q q 0 0 0 rg BT 348.92 406.70 Td (Form ) Tj ET Q q 0 0 0 rg BT 380.05 406.70 Td (10-Q. ) Tj ET Q q 0 0 0 rg BT 413.20 406.70 Td ( ) Tj ET Q q 0 0 0 rg BT 416.33 406.70 Td (Unless ) Tj ET Q q 0 0 0 rg BT 456.15 406.70 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 510.64 406.70 Td (indicated, ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 392.30 Td (such ) Tj ET Q q 0 0 0 rg BT 78.78 392.30 Td (information ) Tj ET Q q 0 0 0 rg BT 141.58 392.30 Td (speaks ) Tj ET Q q 0 0 0 rg BT 183.04 392.30 Td (only ) Tj ET Q q 0 0 0 rg BT 208.48 392.30 Td (as ) Tj ET Q q 0 0 0 rg BT 224.59 392.30 Td (of ) Tj ET Q q 0 0 0 rg BT 238.04 392.30 Td (the ) Tj ET Q q 0 0 0 rg BT 258.15 392.30 Td (date ) Tj ET Q q 0 0 0 rg BT 284.94 392.30 Td (of ) Tj ET Q q 0 0 0 rg BT 298.39 392.30 Td (the ) Tj ET Q q 0 0 0 rg BT 318.50 392.30 Td (periods ) Tj ET Q q 0 0 0 rg BT 361.30 392.30 Td (presented ) Tj ET Q q 0 0 0 rg BT 418.10 392.30 Td (in ) Tj ET Q q 0 0 0 rg BT 430.88 392.30 Td (the ) Tj ET Q q 0 0 0 rg BT 451.00 392.30 Td (1Q ) Tj ET Q q 0 0 0 rg BT 470.44 392.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 500.57 392.30 Td (Form ) Tj ET Q q 0 0 0 rg BT 532.00 392.30 Td (10-Q. ) Tj ET Q q 0 0 0 rg BT 565.35 392.30 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 377.90 Td (Additional ) Tj ET Q q 0 0 0 rg BT 107.77 377.90 Td (information ) Tj ET Q q 0 0 0 rg BT 172.19 377.90 Td (related ) Tj ET Q q 0 0 0 rg BT 213.95 377.90 Td (to ) Tj ET Q q 0 0 0 rg BT 228.34 377.90 Td (Ally) Tj ET Q q 0 0 0 rg BT 246.78 377.90 Td (, ) Tj ET Q q 0 0 0 rg BT 255.18 377.90 Td (including ) Tj ET Q q 0 0 0 rg BT 307.61 377.90 Td (information ) Tj ET Q q 0 0 0 rg BT 372.03 377.90 Td (about ) Tj ET Q q 0 0 0 rg BT 406.45 377.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 439.14 377.90 Td (business ) Tj ET Q q 0 0 0 rg BT 491.56 377.90 Td (and ) Tj ET Q q 0 0 0 rg BT 516.65 377.90 Td (strategic ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 363.50 Td (actions, ) Tj ET Q q 0 0 0 rg BT 94.10 363.50 Td (can ) Tj ET Q q 0 0 0 rg BT 116.18 363.50 Td (be ) Tj ET Q q 0 0 0 rg BT 132.27 363.50 Td (found ) Tj ET Q q 0 0 0 rg BT 165.04 363.50 Td (in ) Tj ET Q q 0 0 0 rg BT 176.75 363.50 Td (AFI) Tj ET Q q 0 0 0 rg BT 197.87 363.50 Td (s ) Tj ET Q q 0 0 0 rg BT 206.61 363.50 Td (reports ) Tj ET Q q 0 0 0 rg BT 246.70 363.50 Td (filed ) Tj ET Q q 0 0 0 rg BT 271.45 363.50 Td (with ) Tj ET Q q 0 0 0 rg BT 295.53 363.50 Td (the ) Tj ET Q q 0 0 0 rg BT 314.95 363.50 Td (Securities ) Tj ET Q q 0 0 0 rg BT 370.38 363.50 Td (and ) Tj ET Q q 0 0 0 rg BT 393.14 363.50 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 449.25 363.50 Td (Commission ) Tj ET Q q 0 0 0 rg BT 518.00 363.50 Td (\() Tj ET Q BT /F4 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 525.99658203125 361.7890625 m 550.67041015625 361.7890625 l s q 0 0 0 rg BT 526.00 363.50 Td (SEC) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 550.67 363.50 Td (\), ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (including ) Tj ET Q q 0 0 0 rg BT 100.78 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.87 349.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 150.97 349.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 182.38 349.10 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 214.47 349.10 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 267.22 349.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 312.65 349.10 Td (on ) Tj ET Q q 0 0 0 rg BT 329.40 349.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 360.81 349.10 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 390.90 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.33 349.10 Td (Current ) Tj ET Q q 0 0 0 rg BT 457.75 349.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 503.17 349.10 Td (on ) Tj ET Q q 0 0 0 rg BT 519.93 349.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 551.34 349.10 Td (8-) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 334.70 Td (K ) Tj ET Q q 0 0 0 rg BT 61.72 334.70 Td (\(each ) Tj ET Q q 0 0 0 rg BT 95.45 334.70 Td (a ) Tj ET Q q 0 0 0 rg BT 105.84 334.70 Td () Tj ET Q BT /F4 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 109.83154296875 332.9890625 m 185.75634765625 332.9890625 l s q 0 0 0 rg BT 109.83 334.70 Td ('34 ) Tj ET Q q 0 0 0 rg BT 128.69 334.70 Td (Act ) Tj ET Q q 0 0 0 rg BT 149.74 334.70 Td (Report) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 185.76 334.70 Td (\). ) Tj ET Q q 0 0 0 rg BT 200.80 334.70 Td ( ) Tj ET Q q 0 0 0 rg BT 204.51 334.70 Td (Current ) Tj ET Q q 0 0 0 rg BT 248.24 334.70 Td (and ) Tj ET Q q 0 0 0 rg BT 271.97 334.70 Td (future ) Tj ET Q q 0 0 0 rg BT 306.37 334.70 Td ('34 ) Tj ET Q q 0 0 0 rg BT 325.23 334.70 Td (Act ) Tj ET Q q 0 0 0 rg BT 346.28 334.70 Td (Reports ) Tj ET Q q 0 0 0 rg BT 392.01 334.70 Td (can ) Tj ET Q q 0 0 0 rg BT 415.07 334.70 Td (be ) Tj ET Q q 0 0 0 rg BT 432.13 334.70 Td (viewed, ) Tj ET Q q 0 0 0 rg BT 476.53 334.70 Td (as ) Tj ET Q q 0 0 0 rg BT 492.92 334.70 Td (they ) Tj ET Q q 0 0 0 rg BT 519.31 334.70 Td (become ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 320.30 Td (available, ) Tj ET Q q 0 0 0 rg BT 104.82 320.30 Td (on ) Tj ET Q q 0 0 0 rg BT 122.28 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 143.08 320.30 Td (SEC's ) Tj ET Q q 0 0 0 rg BT 180.16 320.30 Td (website ) Tj ET Q q 0 0 0 rg BT 224.96 320.30 Td (at ) Tj ET Q BT /F4 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 239.08203125 318.5890625 m 309.107421875 318.5890625 l s q 0 0 1 rg BT 239.08 320.30 Td (www) Tj ET Q q 0 0 1 rg BT 264.42 320.30 Td (.sec.gov) Tj ET Q BT /F4 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 309.11 320.30 Td ( ) Tj ET Q q 0 0 0 rg BT 313.22 320.30 Td (and ) Tj ET Q q 0 0 0 rg BT 337.36 320.30 Td (at ) Tj ET Q BT /F4 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 351.482421875 318.5890625 m 558.669921875 318.5890625 l s q 0 0 1 rg BT 351.48 320.30 Td (www) Tj ET Q q 0 0 1 rg BT 376.82 320.30 Td (.ally) Tj ET Q q 0 0 1 rg BT 397.27 320.30 Td (.com/about/investor/sec-filings) Tj ET Q BT /F4 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 558.67 320.30 Td (. ) Tj ET Q q 0 0 0 rg BT 565.34 320.30 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 305.90 Td (Information ) Tj ET Q q 0 0 0 rg BT 113.22 305.90 Td (contained ) Tj ET Q q 0 0 0 rg BT 168.46 305.90 Td (in ) Tj ET Q q 0 0 0 rg BT 180.99 305.90 Td ('34 ) Tj ET Q q 0 0 0 rg BT 199.39 305.90 Td (Act ) Tj ET Q q 0 0 0 rg BT 219.92 305.90 Td (Reports ) Tj ET Q q 0 0 0 rg BT 265.13 305.90 Td (that ) Tj ET Q q 0 0 0 rg BT 287.92 305.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 310.44 305.90 Td (files ) Tj ET Q q 0 0 0 rg BT 334.98 305.90 Td (with ) Tj ET Q q 0 0 0 rg BT 359.51 305.90 Td (the ) Tj ET Q q 0 0 0 rg BT 379.38 305.90 Td (SEC ) Tj ET Q q 0 0 0 rg BT 407.25 305.90 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 472.49 305.90 Td (to ) Tj ET Q q 0 0 0 rg BT 485.69 305.90 Td (the ) Tj ET Q q 0 0 0 rg BT 505.57 305.90 Td (date ) Tj ET Q q 0 0 0 rg BT 532.11 305.90 Td (of ) Tj ET Q q 0 0 0 rg BT 545.31 305.90 Td (the ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 291.50 Td (2012 ) Tj ET Q q 0 0 0 rg BT 81.12 291.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 113.54 291.50 Td (10-K ) Tj ET Q q 0 0 0 rg BT 143.32 291.50 Td (and ) Tj ET Q q 0 0 0 rg BT 167.77 291.50 Td (the ) Tj ET Q q 0 0 0 rg BT 188.87 291.50 Td (1Q ) Tj ET Q q 0 0 0 rg BT 209.31 291.50 Td (2013 ) Tj ET Q q 0 0 0 rg BT 240.43 291.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 272.85 291.50 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 303.96 291.50 Td (may ) Tj ET Q q 0 0 0 rg BT 331.05 291.50 Td (modify) Tj ET Q q 0 0 0 rg BT 365.50 291.50 Td (, ) Tj ET Q q 0 0 0 rg BT 373.27 291.50 Td (update, ) Tj ET Q q 0 0 0 rg BT 417.73 291.50 Td (and ) Tj ET Q q 0 0 0 rg BT 442.18 291.50 Td (supersede ) Tj ET Q q 0 0 0 rg BT 502.64 291.50 Td (information ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 104.98 277.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.27 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.89 277.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 166.53 277.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 197.47 277.10 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 229.09 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.71 277.10 Td (1Q ) Tj ET Q q 0 0 0 rg BT 267.66 277.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 297.30 277.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 328.24 277.10 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 361.19 277.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.15 277.10 Td (information ) Tj ET Q q 0 0 0 rg BT 446.46 277.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 495.43 277.10 Td (in ) Tj ET Q q 0 0 0 rg BT 507.71 277.10 Td (this ) Tj ET Q q 0 0 0 rg BT 529.33 277.10 Td (Public ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 262.70 Td (Section.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 236.30 Td (This ) Tj ET Q q 0 0 0 rg BT 75.85 236.30 Td (Public ) Tj ET Q q 0 0 0 rg BT 111.72 236.30 Td (Section ) Tj ET Q q 0 0 0 rg BT 154.92 236.30 Td (and ) Tj ET Q q 0 0 0 rg BT 177.70 236.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 208.51 236.30 Td ('34 ) Tj ET Q q 0 0 0 rg BT 226.90 236.30 Td (Act ) Tj ET Q q 0 0 0 rg BT 247.42 236.30 Td (Reports ) Tj ET Q q 0 0 0 rg BT 292.62 236.30 Td (use ) Tj ET Q q 0 0 0 rg BT 315.15 236.30 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 400.37 236.30 Td (statements ) Tj ET Q q 0 0 0 rg BT 462.24 236.30 Td (within ) Tj ET Q q 0 0 0 rg BT 496.10 236.30 Td (the ) Tj ET Q q 0 0 0 rg BT 515.97 236.30 Td (meaning ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 221.90 Td (of ) Tj ET Q q 0 0 0 rg BT 64.87 221.90 Td (the ) Tj ET Q q 0 0 0 rg BT 86.41 221.90 Td (Private ) Tj ET Q q 0 0 0 rg BT 128.62 221.90 Td (Securities ) Tj ET Q q 0 0 0 rg BT 186.17 221.90 Td (Litigation ) Tj ET Q q 0 0 0 rg BT 239.06 221.90 Td (Reform ) Tj ET Q q 0 0 0 rg BT 282.62 221.90 Td (Act ) Tj ET Q q 0 0 0 rg BT 304.81 221.90 Td (of ) Tj ET Q q 0 0 0 rg BT 319.68 221.90 Td (1995. ) Tj ET Q q 0 0 0 rg BT 354.57 221.90 Td ( ) Tj ET Q q 0 0 0 rg BT 359.43 221.90 Td (Words ) Tj ET Q q 0 0 0 rg BT 398.96 221.90 Td (such ) Tj ET Q q 0 0 0 rg BT 429.17 221.90 Td (as ) Tj ET Q q 0 0 0 rg BT 446.71 221.90 Td ("expect," ) Tj ET Q q 0 0 0 rg BT 498.78 221.90 Td ("anticipate," ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 207.50 Td ("estimate," ) Tj ET Q q 0 0 0 rg BT 109.27 207.50 Td ("forecast," ) Tj ET Q q 0 0 0 rg BT 165.88 207.50 Td ("initiative," ) Tj ET Q q 0 0 0 rg BT 223.15 207.50 Td ("objective," ) Tj ET Q q 0 0 0 rg BT 284.43 207.50 Td ("plan," ) Tj ET Q q 0 0 0 rg BT 321.04 207.50 Td ("goal," ) Tj ET Q q 0 0 0 rg BT 357.64 207.50 Td ("project," ) Tj ET Q q 0 0 0 rg BT 407.58 207.50 Td ("outlook," ) Tj ET Q q 0 0 0 rg BT 460.20 207.50 Td ("priorities," ) Tj ET Q q 0 0 0 rg BT 519.46 207.50 Td ("target," ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td ("explore," ) Tj ET Q q 0 0 0 rg BT 106.71 193.10 Td ("positions," ) Tj ET Q q 0 0 0 rg BT 171.42 193.10 Td ("intend," ) Tj ET Q q 0 0 0 rg BT 221.46 193.10 Td ("evaluate," ) Tj ET Q q 0 0 0 rg BT 284.18 193.10 Td ("pursue," ) Tj ET Q q 0 0 0 rg BT 338.22 193.10 Td ("seek," ) Tj ET Q q 0 0 0 rg BT 380.92 193.10 Td ("may) Tj ET Q q 0 0 0 rg BT 406.96 193.10 Td (," ) Tj ET Q q 0 0 0 rg BT 420.05 193.10 Td ("would," ) Tj ET Q q 0 0 0 rg BT 468.75 193.10 Td ("could," ) Tj ET Q q 0 0 0 rg BT 514.78 193.10 Td ("should," ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 178.70 Td ("believe," ) Tj ET Q q 0 0 0 rg BT 103.04 178.70 Td ("potential," ) Tj ET Q q 0 0 0 rg BT 163.42 178.70 Td ("continue," ) Tj ET Q q 0 0 0 rg BT 223.80 178.70 Td (or ) Tj ET Q q 0 0 0 rg BT 237.62 178.70 Td (the ) Tj ET Q q 0 0 0 rg BT 257.46 178.70 Td (negative ) Tj ET Q q 0 0 0 rg BT 305.99 178.70 Td (of ) Tj ET Q q 0 0 0 rg BT 319.15 178.70 Td (any ) Tj ET Q q 0 0 0 rg BT 341.66 178.70 Td (of ) Tj ET Q q 0 0 0 rg BT 354.82 178.70 Td (those ) Tj ET Q q 0 0 0 rg BT 387.33 178.70 Td (words ) Tj ET Q q 0 0 0 rg BT 422.50 178.70 Td (or ) Tj ET Q q 0 0 0 rg BT 436.33 178.70 Td (similar ) Tj ET Q q 0 0 0 rg BT 474.15 178.70 Td (expressions, ) Tj ET Q q 0 0 0 rg BT 544.67 178.70 Td (are ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 164.30 Td (intended ) Tj ET Q q 0 0 0 rg BT 99.07 164.30 Td (to ) Tj ET Q q 0 0 0 rg BT 112.10 164.30 Td (identify ) Tj ET Q q 0 0 0 rg BT 153.14 164.30 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 238.20 164.30 Td (statements. ) Tj ET Q q 0 0 0 rg BT 302.85 164.30 Td (All ) Tj ET Q q 0 0 0 rg BT 319.21 164.30 Td (statements ) Tj ET Q q 0 0 0 rg BT 380.92 164.30 Td (in ) Tj ET Q q 0 0 0 rg BT 393.29 164.30 Td (this ) Tj ET Q q 0 0 0 rg BT 414.98 164.30 Td (Public ) Tj ET Q q 0 0 0 rg BT 450.69 164.30 Td (Section ) Tj ET Q q 0 0 0 rg BT 493.74 164.30 Td (and ) Tj ET Q q 0 0 0 rg BT 516.38 164.30 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 546.36 164.30 Td ('34 ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 149.90 Td (Act ) Tj ET Q q 0 0 0 rg BT 70.24 149.90 Td (Reports, ) Tj ET Q q 0 0 0 rg BT 118.49 149.90 Td (other ) Tj ET Q q 0 0 0 rg BT 148.75 149.90 Td (than ) Tj ET Q q 0 0 0 rg BT 175.01 149.90 Td (statements ) Tj ET Q q 0 0 0 rg BT 236.60 149.90 Td (of ) Tj ET Q q 0 0 0 rg BT 249.51 149.90 Td (historical ) Tj ET Q q 0 0 0 rg BT 299.76 149.90 Td (fact, ) Tj ET Q q 0 0 0 rg BT 325.34 149.90 Td (including ) Tj ET Q q 0 0 0 rg BT 375.61 149.90 Td (statements ) Tj ET Q q 0 0 0 rg BT 437.21 149.90 Td (about ) Tj ET Q q 0 0 0 rg BT 470.14 149.90 Td (future ) Tj ET Q q 0 0 0 rg BT 503.73 149.90 Td (events ) Tj ET Q q 0 0 0 rg BT 541.98 149.90 Td (and ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 135.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 97.00 135.50 Td (performance, ) Tj ET Q q 0 0 0 rg BT 170.68 135.50 Td (are ) Tj ET Q q 0 0 0 rg BT 191.00 135.50 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 276.01 135.50 Td (statements ) Tj ET Q q 0 0 0 rg BT 337.68 135.50 Td (that ) Tj ET Q q 0 0 0 rg BT 360.67 135.50 Td (involve ) Tj ET Q q 0 0 0 rg BT 401.00 135.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 440.00 135.50 Td (risks ) Tj ET Q q 0 0 0 rg BT 467.63 135.50 Td (and ) Tj ET Q q 0 0 0 rg BT 490.63 135.50 Td (uncertainties.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (While ) Tj ET Q q 0 0 0 rg BT 84.00 109.10 Td (these ) Tj ET Q q 0 0 0 rg BT 117.34 109.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 180.03 109.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 234.18 109.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 265.79 109.10 Td (current ) Tj ET Q q 0 0 0 rg BT 307.13 109.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 360.49 109.10 Td (on ) Tj ET Q q 0 0 0 rg BT 377.83 109.10 Td (what ) Tj ET Q q 0 0 0 rg BT 407.16 109.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.84 109.10 Td (future ) Tj ET Q q 0 0 0 rg BT 462.51 109.10 Td (may ) Tj ET Q q 0 0 0 rg BT 489.17 109.10 Td (hold, ) Tj ET Q q 0 0 0 rg BT 519.18 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 542.66 109.10 Td (Ally ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 94.70 Td (believes ) Tj ET Q q 0 0 0 rg BT 97.54 94.70 Td (these ) Tj ET Q q 0 0 0 rg BT 130.41 94.70 Td (judgments ) Tj ET Q q 0 0 0 rg BT 189.29 94.70 Td (are ) Tj ET Q q 0 0 0 rg BT 210.15 94.70 Td (reasonable, ) Tj ET Q q 0 0 0 rg BT 276.38 94.70 Td (these ) Tj ET Q q 0 0 0 rg BT 309.25 94.70 Td (statements ) Tj ET Q q 0 0 0 rg BT 371.46 94.70 Td (are ) Tj ET Q q 0 0 0 rg BT 392.31 94.70 Td (not ) Tj ET Q q 0 0 0 rg BT 412.51 94.70 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 476.07 94.70 Td (of ) Tj ET Q q 0 0 0 rg BT 489.59 94.70 Td (any ) Tj ET Q q 0 0 0 rg BT 512.46 94.70 Td (events ) Tj ET Q q 0 0 0 rg BT 551.33 94.70 Td (or ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 80.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 97.46 80.30 Td (results, ) Tj ET Q q 0 0 0 rg BT 139.57 80.30 Td (and ) Tj ET Q q 0 0 0 rg BT 162.57 80.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 193.63 80.30 Td (actual ) Tj ET Q q 0 0 0 rg BT 229.08 80.30 Td (results ) Tj ET Q q 0 0 0 rg BT 267.86 80.30 Td (may ) Tj ET Q q 0 0 0 rg BT 293.96 80.30 Td (differ ) Tj ET Q q 0 0 0 rg BT 324.07 80.30 Td (materially ) Tj ET Q q 0 0 0 rg BT 378.85 80.30 Td (due ) Tj ET Q q 0 0 0 rg BT 402.31 80.30 Td (to ) Tj ET Q q 0 0 0 rg BT 415.75 80.30 Td (numerous ) Tj ET Q q 0 0 0 rg BT 472.54 80.30 Td (important ) Tj ET Q q 0 0 0 rg BT 526.00 80.30 Td (factors ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 65.90 Td (that ) Tj ET Q q 0 0 0 rg BT 72.40 65.90 Td (are ) Tj ET Q q 0 0 0 rg BT 92.12 65.90 Td (described ) Tj ET Q q 0 0 0 rg BT 146.53 65.90 Td (in ) Tj ET Q q 0 0 0 rg BT 157.93 65.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 187.94 65.90 Td ('34 ) Tj ET Q q 0 0 0 rg BT 205.64 65.90 Td (Act ) Tj ET Q q 0 0 0 rg BT 225.36 65.90 Td (Reports, ) Tj ET Q q 0 0 0 rg BT 273.09 65.90 Td (each ) Tj ET Q q 0 0 0 rg BT 301.49 65.90 Td (of ) Tj ET Q q 0 0 0 rg BT 313.88 65.90 Td (which ) Tj ET Q q 0 0 0 rg BT 346.94 65.90 Td (may ) Tj ET Q q 0 0 0 rg BT 371.99 65.90 Td (be ) Tj ET Q q 0 0 0 rg BT 387.71 65.90 Td (revised ) Tj ET Q q 0 0 0 rg BT 428.78 65.90 Td (or ) Tj ET Q q 0 0 0 rg BT 441.83 65.90 Td (supplemented ) Tj ET Q q 0 0 0 rg BT 519.59 65.90 Td (in ) Tj ET Q q 0 0 0 rg BT 531.31 65.90 Td (future ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 51.50 Td ('34 ) Tj ET Q q 0 0 0 rg BT 67.98 51.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 88.02 51.50 Td (Reports ) Tj ET Q q 0 0 0 rg BT 132.74 51.50 Td (filed ) Tj ET Q q 0 0 0 rg BT 157.46 51.50 Td (with ) Tj ET Q q 0 0 0 rg BT 181.50 51.50 Td (the ) Tj ET Q q 0 0 0 rg BT 200.88 51.50 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 231.59 51.50 Td ( ) Tj ET Q q 0 0 0 rg BT 234.29 51.50 Td (Factors ) Tj ET Q q 0 0 0 rg BT 277.00 51.50 Td (that ) Tj ET Q q 0 0 0 rg BT 299.72 51.50 Td (could ) Tj ET Q q 0 0 0 rg BT 331.11 51.50 Td (cause ) Tj ET Q q 0 0 0 rg BT 365.47 51.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 395.80 51.50 Td (actual ) Tj ET Q q 0 0 0 rg BT 430.53 51.50 Td (results ) Tj ET Q q 0 0 0 rg BT 468.57 51.50 Td (to ) Tj ET Q q 0 0 0 rg BT 481.28 51.50 Td (differ ) Tj ET Q q 0 0 0 rg BT 510.66 51.50 Td (materially ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (from ) Tj ET Q q 0 0 0 rg BT 76.98 740.30 Td (those ) Tj ET Q q 0 0 0 rg BT 109.32 740.30 Td (described ) Tj ET Q q 0 0 0 rg BT 164.34 740.30 Td (in ) Tj ET Q q 0 0 0 rg BT 176.66 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 196.33 740.30 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 281.35 740.30 Td (statements ) Tj ET Q q 0 0 0 rg BT 343.03 740.30 Td (can ) Tj ET Q q 0 0 0 rg BT 365.36 740.30 Td (be ) Tj ET Q q 0 0 0 rg BT 381.69 740.30 Td (found ) Tj ET Q q 0 0 0 rg BT 414.70 740.30 Td (in ) Tj ET Q q 0 0 0 rg BT 427.03 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 446.69 740.30 Td (Risk ) Tj ET Q q 0 0 0 rg BT 477.00 740.30 Td (Factors ) Tj ET Q q 0 0 0 rg BT 523.99 740.30 Td (section ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.96 725.90 Td (the ) Tj ET Q q 0 0 0 rg BT 84.58 725.90 Td (2012 ) Tj ET Q q 0 0 0 rg BT 115.23 725.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 147.17 725.90 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 179.80 725.90 Td (the ) Tj ET Q q 0 0 0 rg BT 200.43 725.90 Td (1Q ) Tj ET Q q 0 0 0 rg BT 220.39 725.90 Td (2013 ) Tj ET Q q 0 0 0 rg BT 251.03 725.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 282.97 725.90 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 316.93 725.90 Td (and ) Tj ET Q q 0 0 0 rg BT 340.90 725.90 Td (other ) Tj ET Q q 0 0 0 rg BT 372.20 725.90 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 425.50 725.90 Td (Reports ) Tj ET Q q 0 0 0 rg BT 471.46 725.90 Td (on ) Tj ET Q q 0 0 0 rg BT 488.76 725.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 520.70 725.90 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 551.33 725.90 Td (or ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 711.50 Td (Current ) Tj ET Q q 0 0 0 rg BT 93.35 711.50 Td (Reports ) Tj ET Q q 0 0 0 rg BT 138.70 711.50 Td (on ) Tj ET Q q 0 0 0 rg BT 155.38 711.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 186.71 711.50 Td (8-K ) Tj ET Q q 0 0 0 rg BT 208.72 711.50 Td (filed ) Tj ET Q q 0 0 0 rg BT 234.07 711.50 Td (with ) Tj ET Q q 0 0 0 rg BT 258.74 711.50 Td (the ) Tj ET Q q 0 0 0 rg BT 278.76 711.50 Td (SEC.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (All ) Tj ET Q q 0 0 0 rg BT 66.16 685.10 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 151.03 685.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 212.54 685.10 Td (speak ) Tj ET Q q 0 0 0 rg BT 247.39 685.10 Td (only ) Tj ET Q q 0 0 0 rg BT 272.23 685.10 Td (as ) Tj ET Q q 0 0 0 rg BT 287.73 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.57 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.07 685.10 Td (date ) Tj ET Q q 0 0 0 rg BT 346.26 685.10 Td (on ) Tj ET Q q 0 0 0 rg BT 362.43 685.10 Td (which ) Tj ET Q q 0 0 0 rg BT 395.94 685.10 Td (such ) Tj ET Q q 0 0 0 rg BT 424.11 685.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 485.63 685.10 Td (are ) Tj ET Q q 0 0 0 rg BT 505.80 685.10 Td (made, ) Tj ET Q q 0 0 0 rg BT 541.98 685.10 Td (and ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 670.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 71.37 670.70 Td (undertakes ) Tj ET Q q 0 0 0 rg BT 132.78 670.70 Td (no ) Tj ET Q q 0 0 0 rg BT 148.16 670.70 Td (obligation ) Tj ET Q q 0 0 0 rg BT 201.56 670.70 Td (to ) Tj ET Q q 0 0 0 rg BT 213.61 670.70 Td (update ) Tj ET Q q 0 0 0 rg BT 252.34 670.70 Td (publicly ) Tj ET Q q 0 0 0 rg BT 294.39 670.70 Td (or ) Tj ET Q q 0 0 0 rg BT 307.10 670.70 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 360.49 670.70 Td (revise ) Tj ET Q q 0 0 0 rg BT 394.53 670.70 Td (any ) Tj ET Q q 0 0 0 rg BT 415.91 670.70 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 499.98 670.70 Td (statements, ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 656.30 Td (whether ) Tj ET Q q 0 0 0 rg BT 96.22 656.30 Td (as ) Tj ET Q q 0 0 0 rg BT 112.42 656.30 Td (a ) Tj ET Q q 0 0 0 rg BT 122.62 656.30 Td (result ) Tj ET Q q 0 0 0 rg BT 155.49 656.30 Td (of ) Tj ET Q q 0 0 0 rg BT 169.02 656.30 Td (new ) Tj ET Q q 0 0 0 rg BT 194.56 656.30 Td (information, ) Tj ET Q q 0 0 0 rg BT 260.78 656.30 Td (future ) Tj ET Q q 0 0 0 rg BT 294.99 656.30 Td (events ) Tj ET Q q 0 0 0 rg BT 333.87 656.30 Td (or ) Tj ET Q q 0 0 0 rg BT 348.07 656.30 Td (other ) Tj ET Q q 0 0 0 rg BT 378.95 656.30 Td (such ) Tj ET Q q 0 0 0 rg BT 407.82 656.30 Td (factors ) Tj ET Q q 0 0 0 rg BT 447.36 656.30 Td (that ) Tj ET Q q 0 0 0 rg BT 470.90 656.30 Td (affect ) Tj ET Q q 0 0 0 rg BT 503.77 656.30 Td (the ) Tj ET Q q 0 0 0 rg BT 523.98 656.30 Td (subject ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.34 641.90 Td (these ) Tj ET Q q 0 0 0 rg BT 96.03 641.90 Td (statements, ) Tj ET Q q 0 0 0 rg BT 161.39 641.90 Td (except ) Tj ET Q q 0 0 0 rg BT 200.08 641.90 Td (where ) Tj ET Q q 0 0 0 rg BT 236.10 641.90 Td (expressly ) Tj ET Q q 0 0 0 rg BT 290.12 641.90 Td (required ) Tj ET Q q 0 0 0 rg BT 337.48 641.90 Td (by ) Tj ET Q q 0 0 0 rg BT 353.49 641.90 Td (law) Tj ET Q q 0 0 0 rg BT 370.83 641.90 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 616.30 Td (A.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 616.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 616.30 Td (Names of Material Entities) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 589.90 Td (Under ) Tj ET Q q 0 0 0 rg BT 87.83 589.90 Td (the ) Tj ET Q q 0 0 0 rg BT 109.66 589.90 Td (Section ) Tj ET Q q 0 0 0 rg BT 154.83 589.90 Td (165 ) Tj ET Q q 0 0 0 rg BT 180.00 589.90 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 213.16 589.90 Td (a ) Tj ET Q q 0 0 0 rg BT 224.98 589.90 Td (Material ) Tj ET Q q 0 0 0 rg BT 276.81 589.90 Td (Entity ) Tj ET Q q 0 0 0 rg BT 315.96 589.90 Td (is ) Tj ET Q q 0 0 0 rg BT 329.78 589.90 Td (any ) Tj ET Q q 0 0 0 rg BT 353.25 589.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 377.73 589.90 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 436.90 589.90 Td (or ) Tj ET Q q 0 0 0 rg BT 452.72 589.90 Td (foreign ) Tj ET Q q 0 0 0 rg BT 494.56 589.90 Td (of) Tj ET Q q 0 0 0 rg BT 504.35 589.90 Td (fice ) Tj ET Q q 0 0 0 rg BT 528.17 589.90 Td (that ) Tj ET Q q 0 0 0 rg BT 553.33 589.90 Td (is ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 575.50 Td (significant ) Tj ET Q q 0 0 0 rg BT 105.78 575.50 Td (to ) Tj ET Q q 0 0 0 rg BT 118.20 575.50 Td (the ) Tj ET Q q 0 0 0 rg BT 137.30 575.50 Td (activities ) Tj ET Q q 0 0 0 rg BT 185.73 575.50 Td (of ) Tj ET Q q 0 0 0 rg BT 198.16 575.50 Td (a ) Tj ET Q q 0 0 0 rg BT 207.25 575.50 Td (Critical ) Tj ET Q q 0 0 0 rg BT 250.33 575.50 Td (Operation ) Tj ET Q q 0 0 0 rg BT 309.45 575.50 Td (or ) Tj ET Q q 0 0 0 rg BT 322.53 575.50 Td (Core ) Tj ET Q q 0 0 0 rg BT 354.96 575.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 406.06 575.50 Td (Line. ) Tj ET Q q 0 0 0 rg BT 438.50 575.50 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 440.92 575.50 Td (See) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 462.27 575.50 Td ( ) Tj ET Q q 0 0 0 rg BT 464.69 575.50 Td (12 ) Tj ET Q q 0 0 0 rg BT 480.45 575.50 Td (C.F) Tj ET Q q 0 0 0 rg BT 498.45 575.50 Td (.R. ) Tj ET Q q 0 0 0 rg BT 516.20 575.50 Td ( ) Tj ET Q q 0 0 0 rg BT 531.97 575.50 Td (243.2) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 561.10 Td (\() Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 54.00 561.10 Td (l) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 56.66 561.10 Td (\); ) Tj ET Q q 0 0 0 rg BT 67.07 561.10 Td (381.2\() Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 101.09 561.10 Td (l) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 103.76 561.10 Td (\) ) Tj ET Q q 0 0 0 rg BT 110.83 561.10 Td (\(2013\). ) Tj ET Q q 0 0 0 rg BT 151.93 561.10 Td ( ) Tj ET Q q 0 0 0 rg BT 155.01 561.10 Td (For ) Tj ET Q q 0 0 0 rg BT 176.08 561.10 Td (these ) Tj ET Q q 0 0 0 rg BT 208.52 561.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 264.29 561.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.04 561.10 Td (Critical ) Tj ET Q q 0 0 0 rg BT 313.79 561.10 Td (Operation ) Tj ET Q q 0 0 0 rg BT 369.56 561.10 Td (is ) Tj ET Q q 0 0 0 rg BT 381.31 561.10 Td (an ) Tj ET Q q 0 0 0 rg BT 397.73 561.10 Td (operation, ) Tj ET Q q 0 0 0 rg BT 454.18 561.10 Td (including ) Tj ET Q q 0 0 0 rg BT 504.62 561.10 Td (associated ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 546.70 Td (services, ) Tj ET Q q 0 0 0 rg BT 100.96 546.70 Td (functions, ) Tj ET Q q 0 0 0 rg BT 155.93 546.70 Td (and ) Tj ET Q q 0 0 0 rg BT 179.57 546.70 Td (support, ) Tj ET Q q 0 0 0 rg BT 226.54 546.70 Td (the ) Tj ET Q q 0 0 0 rg BT 246.83 546.70 Td (failure ) Tj ET Q q 0 0 0 rg BT 283.13 546.70 Td (or ) Tj ET Q q 0 0 0 rg BT 297.41 546.70 Td (discontinuance ) Tj ET Q q 0 0 0 rg BT 381.08 546.70 Td (of ) Tj ET Q q 0 0 0 rg BT 394.70 546.70 Td (which, ) Tj ET Q q 0 0 0 rg BT 432.32 546.70 Td (in ) Tj ET Q q 0 0 0 rg BT 444.56 546.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 475.80 546.70 Td (view ) Tj ET Q q 0 0 0 rg BT 503.42 546.70 Td (or ) Tj ET Q q 0 0 0 rg BT 517.70 546.70 Td (the ) Tj ET Q q 0 0 0 rg BT 537.99 546.70 Td (view ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 532.30 Td (of ) Tj ET Q q 0 0 0 rg BT 63.83 532.30 Td (the ) Tj ET Q q 0 0 0 rg BT 84.34 532.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 128.86 532.30 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 177.37 532.30 Td (and ) Tj ET Q q 0 0 0 rg BT 201.22 532.30 Td (the ) Tj ET Q q 0 0 0 rg BT 221.73 532.30 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 256.88 532.30 Td (would ) Tj ET Q q 0 0 0 rg BT 292.06 532.30 Td (pose ) Tj ET Q q 0 0 0 rg BT 321.91 532.30 Td (a ) Tj ET Q q 0 0 0 rg BT 332.41 532.30 Td (threat ) Tj ET Q q 0 0 0 rg BT 366.93 532.30 Td (to ) Tj ET Q q 0 0 0 rg BT 380.76 532.30 Td (the ) Tj ET Q q 0 0 0 rg BT 401.27 532.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 449.13 532.30 Td (stability ) Tj ET Q q 0 0 0 rg BT 492.97 532.30 Td (of ) Tj ET Q q 0 0 0 rg BT 506.80 532.30 Td (the ) Tj ET Q q 0 0 0 rg BT 527.31 532.30 Td (United ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 517.90 Td (States. ) Tj ET Q q 0 0 0 rg BT 89.56 517.90 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 91.76 517.90 Td (See) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 113.11 517.90 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 115.32 517.90 Td (id) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 124.66 517.90 Td (. ) Tj ET Q q 0 0 0 rg BT 130.20 517.90 Td ( ) Tj ET Q q 0 0 0 rg BT 145.75 517.90 Td (243.2\(g\); ) Tj ET Q q 0 0 0 rg BT 195.98 517.90 Td (381.2\(g\). ) Tj ET Q q 0 0 0 rg BT 246.21 517.90 Td ( ) Tj ET Q q 0 0 0 rg BT 247.98 517.90 Td (A) Tj ET Q q 0 0 0 rg BT 255.32 517.90 Td ( ) Tj ET Q q 0 0 0 rg BT 257.53 517.90 Td (Core ) Tj ET Q q 0 0 0 rg BT 285.74 517.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 336.64 517.90 Td (Line ) Tj ET Q q 0 0 0 rg BT 361.53 517.90 Td (is ) Tj ET Q q 0 0 0 rg BT 372.40 517.90 Td (a ) Tj ET Q q 0 0 0 rg BT 381.28 517.90 Td (business ) Tj ET Q q 0 0 0 rg BT 430.84 517.90 Td (line, ) Tj ET Q q 0 0 0 rg BT 455.06 517.90 Td (including ) Tj ET Q q 0 0 0 rg BT 504.63 517.90 Td (associated ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 503.50 Td (operations, ) Tj ET Q q 0 0 0 rg BT 113.44 503.50 Td (services, ) Tj ET Q q 0 0 0 rg BT 164.84 503.50 Td (functions ) Tj ET Q q 0 0 0 rg BT 216.94 503.50 Td (and ) Tj ET Q q 0 0 0 rg BT 241.02 503.50 Td (support, ) Tj ET Q q 0 0 0 rg BT 288.44 503.50 Td (the ) Tj ET Q q 0 0 0 rg BT 309.19 503.50 Td (failure ) Tj ET Q q 0 0 0 rg BT 345.94 503.50 Td (of ) Tj ET Q q 0 0 0 rg BT 360.01 503.50 Td (which, ) Tj ET Q q 0 0 0 rg BT 398.08 503.50 Td (in ) Tj ET Q q 0 0 0 rg BT 410.68 503.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 442.37 503.50 Td (view) Tj ET Q q 0 0 0 rg BT 465.72 503.50 Td (, ) Tj ET Q q 0 0 0 rg BT 473.11 503.50 Td (would ) Tj ET Q q 0 0 0 rg BT 508.53 503.50 Td (result ) Tj ET Q q 0 0 0 rg BT 541.94 503.50 Td (in ) Tj ET Q q 0 0 0 rg BT 555.34 503.50 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 489.10 Td (material ) Tj ET Q q 0 0 0 rg BT 96.01 489.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 120.69 489.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.03 489.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 184.06 489.10 Td (profit, ) Tj ET Q q 0 0 0 rg BT 217.41 489.10 Td (or ) Tj ET Q q 0 0 0 rg BT 231.41 489.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 283.44 489.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 318.79 489.10 Td (See ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 343.48 489.10 Td (id) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 352.82 489.10 Td (. ) Tj ET Q q 0 0 0 rg BT 359.49 489.10 Td (243.2\(d\); ) Tj ET Q q 0 0 0 rg BT 427.53 489.10 Td (381.2\(d\).) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 462.70 Td (Under ) Tj ET Q q 0 0 0 rg BT 85.08 462.70 Td (the ) Tj ET Q q 0 0 0 rg BT 104.16 462.70 Td (IDI ) Tj ET Q q 0 0 0 rg BT 121.89 462.70 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 152.30 462.70 Td (a ) Tj ET Q q 0 0 0 rg BT 161.37 462.70 Td (Material ) Tj ET Q q 0 0 0 rg BT 210.44 462.70 Td (Entity ) Tj ET Q q 0 0 0 rg BT 246.85 462.70 Td (is ) Tj ET Q q 0 0 0 rg BT 257.91 462.70 Td (any ) Tj ET Q q 0 0 0 rg BT 279.65 462.70 Td (company ) Tj ET Q q 0 0 0 rg BT 330.74 462.70 Td (that ) Tj ET Q q 0 0 0 rg BT 353.15 462.70 Td (is ) Tj ET Q q 0 0 0 rg BT 364.21 462.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 419.97 462.70 Td (to ) Tj ET Q q 0 0 0 rg BT 432.38 462.70 Td (the ) Tj ET Q q 0 0 0 rg BT 451.46 462.70 Td (activities ) Tj ET Q q 0 0 0 rg BT 499.87 462.70 Td (of ) Tj ET Q q 0 0 0 rg BT 512.27 462.70 Td (a ) Tj ET Q q 0 0 0 rg BT 521.34 462.70 Td (Critical ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 448.30 Td (Service ) Tj ET Q q 0 0 0 rg BT 97.46 448.30 Td (or ) Tj ET Q q 0 0 0 rg BT 111.57 448.30 Td (Core ) Tj ET Q q 0 0 0 rg BT 145.02 448.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 197.16 448.30 Td (Line. ) Tj ET Q q 0 0 0 rg BT 230.63 448.30 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 234.07 448.30 Td (See ) Tj ET Q q 0 0 0 rg BT 258.87 448.30 Td (id. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 274.99 448.30 Td ( ) Tj ET Q q 0 0 0 rg BT 285.11 448.30 Td (360.10\(b\)\(8\). ) Tj ET Q q 0 0 0 rg BT 357.93 448.30 Td ( ) Tj ET Q q 0 0 0 rg BT 361.37 448.30 Td (For ) Tj ET Q q 0 0 0 rg BT 382.82 448.30 Td (these ) Tj ET Q q 0 0 0 rg BT 415.62 448.30 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 471.77 448.30 Td (a ) Tj ET Q q 0 0 0 rg BT 481.89 448.30 Td (Critical ) Tj ET Q q 0 0 0 rg BT 522.00 448.30 Td (Service ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 433.90 Td (is ) Tj ET Q q 0 0 0 rg BT 63.87 433.90 Td (a ) Tj ET Q q 0 0 0 rg BT 75.74 433.90 Td (service ) Tj ET Q q 0 0 0 rg BT 118.95 433.90 Td (or ) Tj ET Q q 0 0 0 rg BT 134.82 433.90 Td (operation ) Tj ET Q q 0 0 0 rg BT 190.05 433.90 Td (of ) Tj ET Q q 0 0 0 rg BT 204.23 433.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 228.76 433.90 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 264.65 433.90 Td (such ) Tj ET Q q 0 0 0 rg BT 295.20 433.90 Td (as ) Tj ET Q q 0 0 0 rg BT 313.07 433.90 Td (servicing, ) Tj ET Q q 0 0 0 rg BT 368.95 433.90 Td (information ) Tj ET Q q 0 0 0 rg BT 433.51 433.90 Td (technology ) Tj ET Q q 0 0 0 rg BT 496.75 433.90 Td (support ) Tj ET Q q 0 0 0 rg BT 541.98 433.90 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 419.50 Td (operations, ) Tj ET Q q 0 0 0 rg BT 112.19 419.50 Td (and ) Tj ET Q q 0 0 0 rg BT 135.03 419.50 Td (human ) Tj ET Q q 0 0 0 rg BT 174.54 419.50 Td (resources ) Tj ET Q q 0 0 0 rg BT 230.05 419.50 Td (and ) Tj ET Q q 0 0 0 rg BT 252.89 419.50 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 311.75 419.50 Td (that ) Tj ET Q q 0 0 0 rg BT 334.58 419.50 Td (is ) Tj ET Q q 0 0 0 rg BT 346.07 419.50 Td (necessary ) Tj ET Q q 0 0 0 rg BT 403.58 419.50 Td (to ) Tj ET Q q 0 0 0 rg BT 416.41 419.50 Td (continue ) Tj ET Q q 0 0 0 rg BT 464.04 419.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 486.19 419.50 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 524.65 419.50 Td (day-to-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 405.10 Td (day ) Tj ET Q q 0 0 0 rg BT 72.19 405.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 134.41 405.10 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 137.25 405.10 Td (See ) Tj ET Q q 0 0 0 rg BT 161.44 405.10 Td (id) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 170.78 405.10 Td (. ) Tj ET Q q 0 0 0 rg BT 176.96 405.10 Td ( ) Tj ET Q q 0 0 0 rg BT 186.47 405.10 Td (360.10\(b\)\(5\). ) Tj ET Q q 0 0 0 rg BT 258.69 405.10 Td ( ) Tj ET Q q 0 0 0 rg BT 261.34 405.10 Td (The ) Tj ET Q q 0 0 0 rg BT 284.86 405.10 Td (FDIC's ) Tj ET Q q 0 0 0 rg BT 323.99 405.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 374.87 405.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.72 405.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.24 405.10 Td (term ) Tj ET Q q 0 0 0 rg BT 434.09 405.10 Td (Core ) Tj ET Q q 0 0 0 rg BT 466.93 405.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 518.47 405.10 Td (Line ) Tj ET Q q 0 0 0 rg BT 547.99 405.10 Td (for ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 390.70 Td (purposes ) Tj ET Q q 0 0 0 rg BT 101.83 390.70 Td (of ) Tj ET Q q 0 0 0 rg BT 114.31 390.70 Td (the ) Tj ET Q q 0 0 0 rg BT 133.45 390.70 Td (IDI ) Tj ET Q q 0 0 0 rg BT 151.25 390.70 Td (Rule ) Tj ET Q q 0 0 0 rg BT 178.40 390.70 Td (is ) Tj ET Q q 0 0 0 rg BT 189.53 390.70 Td (essentially ) Tj ET Q q 0 0 0 rg BT 248.03 390.70 Td (identical ) Tj ET Q q 0 0 0 rg BT 294.52 390.70 Td (to ) Tj ET Q q 0 0 0 rg BT 306.99 390.70 Td (the ) Tj ET Q q 0 0 0 rg BT 326.14 390.70 Td (definition ) Tj ET Q q 0 0 0 rg BT 376.64 390.70 Td (of ) Tj ET Q q 0 0 0 rg BT 389.12 390.70 Td (that ) Tj ET Q q 0 0 0 rg BT 411.60 390.70 Td (term ) Tj ET Q q 0 0 0 rg BT 438.07 390.70 Td (in ) Tj ET Q q 0 0 0 rg BT 449.87 390.70 Td (the ) Tj ET Q q 0 0 0 rg BT 469.02 390.70 Td (Section ) Tj ET Q q 0 0 0 rg BT 511.51 390.70 Td (165 ) Tj ET Q q 0 0 0 rg BT 534.00 390.70 Td (Rule: ) Tj ET Q q 0 0 0 rg BT 565.35 390.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 376.30 Td (a ) Tj ET Q q 0 0 0 rg BT 60.87 376.30 Td (business ) Tj ET Q q 0 0 0 rg BT 112.43 376.30 Td (line, ) Tj ET Q q 0 0 0 rg BT 138.64 376.30 Td (including ) Tj ET Q q 0 0 0 rg BT 190.21 376.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 251.78 376.30 Td (operations, ) Tj ET Q q 0 0 0 rg BT 315.35 376.30 Td (services, ) Tj ET Q q 0 0 0 rg BT 366.89 376.30 Td (functions, ) Tj ET Q q 0 0 0 rg BT 422.45 376.30 Td (and ) Tj ET Q q 0 0 0 rg BT 446.67 376.30 Td (support, ) Tj ET Q q 0 0 0 rg BT 494.23 376.30 Td (the ) Tj ET Q q 0 0 0 rg BT 515.11 376.30 Td (failure ) Tj ET Q q 0 0 0 rg BT 551.99 376.30 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 361.90 Td (which, ) Tj ET Q q 0 0 0 rg BT 87.47 361.90 Td (in ) Tj ET Q q 0 0 0 rg BT 99.58 361.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 130.66 361.90 Td (view) Tj ET Q q 0 0 0 rg BT 154.00 361.90 Td (, ) Tj ET Q q 0 0 0 rg BT 160.79 361.90 Td (would ) Tj ET Q q 0 0 0 rg BT 195.60 361.90 Td (result ) Tj ET Q q 0 0 0 rg BT 228.40 361.90 Td (in ) Tj ET Q q 0 0 0 rg BT 241.19 361.90 Td (a ) Tj ET Q q 0 0 0 rg BT 251.32 361.90 Td (material ) Tj ET Q q 0 0 0 rg BT 297.45 361.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 322.25 361.90 Td (of ) Tj ET Q q 0 0 0 rg BT 335.71 361.90 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 385.86 361.90 Td (profit, ) Tj ET Q q 0 0 0 rg BT 419.33 361.90 Td (or ) Tj ET Q q 0 0 0 rg BT 433.46 361.90 Td (franchise ) Tj ET Q q 0 0 0 rg BT 485.60 361.90 Td (value. ) Tj ET Q q 0 0 0 rg BT 521.08 361.90 Td ( ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 524.53 361.90 Td (See ) Tj ET Q q 0 0 0 rg BT 549.34 361.90 Td (id.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 562.01 361.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 347.50 Td (360.10\(b\)\(3\).) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 321.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 86.29 321.10 Td (on ) Tj ET Q q 0 0 0 rg BT 101.90 321.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.85 321.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 159.12 321.10 Td (set ) Tj ET Q q 0 0 0 rg BT 177.39 321.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 203.67 321.10 Td (in ) Tj ET Q q 0 0 0 rg BT 215.27 321.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.22 321.10 Td (definitions ) Tj ET Q q 0 0 0 rg BT 290.52 321.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.79 321.10 Td (these ) Tj ET Q q 0 0 0 rg BT 334.41 321.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 369.56 321.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 391.16 321.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 448.12 321.10 Td (a ) Tj ET Q q 0 0 0 rg BT 457.06 321.10 Td (multi-factor ) Tj ET Q q 0 0 0 rg BT 518.66 321.10 Td (analysis ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 306.70 Td (to ) Tj ET Q q 0 0 0 rg BT 64.76 306.70 Td (identify ) Tj ET Q q 0 0 0 rg BT 107.53 306.70 Td (Material ) Tj ET Q q 0 0 0 rg BT 154.96 306.70 Td (Entities ) Tj ET Q q 0 0 0 rg BT 199.07 306.70 Td (using ) Tj ET Q q 0 0 0 rg BT 232.51 306.70 Td (a ) Tj ET Q q 0 0 0 rg BT 243.93 306.70 Td (number ) Tj ET Q q 0 0 0 rg BT 289.37 306.70 Td (of ) Tj ET Q q 0 0 0 rg BT 304.13 306.70 Td (metrics, ) Tj ET Q q 0 0 0 rg BT 350.88 306.70 Td (including ) Tj ET Q q 0 0 0 rg BT 403.00 306.70 Td (assets, ) Tj ET Q q 0 0 0 rg BT 445.77 306.70 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 499.21 306.70 Td (and ) Tj ET Q q 0 0 0 rg BT 523.98 306.70 Td (capital; ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 292.30 Td (revenues ) Tj ET Q q 0 0 0 rg BT 103.44 292.30 Td (and ) Tj ET Q q 0 0 0 rg BT 127.54 292.30 Td (expenses; ) Tj ET Q q 0 0 0 rg BT 186.32 292.30 Td (organizational ) Tj ET Q q 0 0 0 rg BT 265.12 292.30 Td (significance; ) Tj ET Q q 0 0 0 rg BT 335.23 292.30 Td (and ) Tj ET Q q 0 0 0 rg BT 359.33 292.30 Td (staf) Tj ET Q q 0 0 0 rg BT 378.46 292.30 Td (fing ) Tj ET Q q 0 0 0 rg BT 401.88 292.30 Td (levels. ) Tj ET Q q 0 0 0 rg BT 439.98 292.30 Td ( ) Tj ET Q q 0 0 0 rg BT 443.79 292.30 Td (Through ) Tj ET Q q 0 0 0 rg BT 492.56 292.30 Td (this ) Tj ET Q q 0 0 0 rg BT 515.31 292.30 Td (analysis, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 277.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.67 277.90 Td (identified ) Tj ET Q q 0 0 0 rg BT 124.04 277.90 Td (five ) Tj ET Q q 0 0 0 rg BT 146.05 277.90 Td (Material ) Tj ET Q q 0 0 0 rg BT 192.06 277.90 Td (Entities.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 251.50 Td (The ) Tj ET Q q 0 0 0 rg BT 75.53 251.50 Td (following ) Tj ET Q q 0 0 0 rg BT 127.08 251.50 Td (table ) Tj ET Q q 0 0 0 rg BT 157.96 251.50 Td (lists ) Tj ET Q q 0 0 0 rg BT 182.51 251.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 214.99 251.50 Td (Material ) Tj ET Q q 0 0 0 rg BT 262.53 251.50 Td (Entities ) Tj ET Q q 0 0 0 rg BT 306.73 251.50 Td (under ) Tj ET Q q 0 0 0 rg BT 342.28 251.50 Td (the ) Tj ET Q q 0 0 0 rg BT 363.82 251.50 Td (headings ) Tj ET Q q 0 0 0 rg BT 417.38 251.50 Td (of ) Tj ET Q q 0 0 0 rg BT 432.24 251.50 Td (Operating ) Tj ET Q q 0 0 0 rg BT 493.79 251.50 Td (Entities ) Tj ET Q q 0 0 0 rg BT 541.99 251.50 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 237.10 Td (Staf) Tj ET Q q 0 0 0 rg BT 75.13 237.10 Td (fing ) Tj ET Q q 0 0 0 rg BT 97.81 237.10 Td (Entities.) 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Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 191.70 170.95 Td (\(Automotive finance\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 212.45 149.35 Td (Ally Bank) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 182.20 138.60 Td (\(FDIC-insured U.S. bank\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 168.45 116.95 Td (Motors Insurance Corporation) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 190.70 106.15 Td (\(Insurance company\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 193.20 84.60 Td (Ally Servicing LLC) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 184.45 73.80 Td (\(Auto accounts servicer\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 352.25 155.25 Td (AFI US LLC) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 332.30 144.45 Td (\(Staf) Tj ET Q q 0 0 0 rg BT 351.14 144.45 Td (fing entity for ) Tj ET Q q 0 0 0 rg BT 404.67 144.45 Td (AFI\)) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 377.00 132.70 Td ( ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 318.20 121.85 Td (GMAC Wholesale Mortgage ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 365.25 111.10 Td (Corp. ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 391.25 111.10 Td ( ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 320.55 100.30 Td (\(Staf) Tj ET Q q 0 0 0 rg BT 339.39 100.30 Td (fing entity for ) Tj ET Q q 0 0 0 rg BT 392.92 100.30 Td (Ally Bank\)) Tj ET Q BT /F2 10.00 Tf ET endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (B.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 740.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 740.30 Td (Description of Core Business Lines) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 713.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 81.73 713.90 Td (primary ) Tj ET Q q 0 0 0 rg BT 125.83 713.90 Td (business ) Tj ET Q q 0 0 0 rg BT 177.29 713.90 Td (involves ) Tj ET Q q 0 0 0 rg BT 224.75 713.90 Td (providing ) Tj ET Q q 0 0 0 rg BT 277.54 713.90 Td ("Dealer ) Tj ET Q q 0 0 0 rg BT 321.25 713.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 373.38 713.90 Td (Services" ) Tj ET Q q 0 0 0 rg BT 427.75 713.90 Td (to ) Tj ET Q q 0 0 0 rg BT 441.86 713.90 Td (the ) Tj ET Q q 0 0 0 rg BT 462.64 713.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 490.08 713.90 Td (auto ) Tj ET Q q 0 0 0 rg BT 517.54 713.90 Td (industry) Tj ET Q q 0 0 0 rg BT 558.66 713.90 Td (. ) Tj ET Q q 0 0 0 rg BT 565.33 713.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 699.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 80.12 699.50 Td (primary ) Tj ET Q q 0 0 0 rg BT 122.62 699.50 Td (customers ) Tj ET Q q 0 0 0 rg BT 180.47 699.50 Td (are ) Tj ET Q q 0 0 0 rg BT 200.31 699.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 261.50 699.50 Td (dealers, ) Tj ET Q q 0 0 0 rg BT 306.69 699.50 Td (which ) Tj ET Q q 0 0 0 rg BT 339.87 699.50 Td (are ) Tj ET Q q 0 0 0 rg BT 359.71 699.50 Td (independently ) Tj ET Q q 0 0 0 rg BT 436.94 699.50 Td (owned ) Tj ET Q q 0 0 0 rg BT 474.80 699.50 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 540.66 699.50 Td ( ) Tj ET Q q 0 0 0 rg BT 542.66 699.50 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (of) Tj ET Q q 0 0 0 rg BT 59.79 685.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 81.64 685.10 Td (a ) Tj ET Q q 0 0 0 rg BT 90.15 685.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 116.67 685.10 Td (range ) Tj ET Q q 0 0 0 rg BT 149.21 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.05 685.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 206.92 685.10 Td (services ) Tj ET Q q 0 0 0 rg BT 252.77 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.64 685.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 328.51 685.10 Td (products ) Tj ET Q q 0 0 0 rg BT 376.38 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.23 685.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 464.77 685.10 Td (16,000 ) Tj ET Q q 0 0 0 rg BT 503.31 685.10 Td (automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 670.70 Td (dealerships ) Tj ET Q q 0 0 0 rg BT 113.57 670.70 Td (and ) Tj ET Q q 0 0 0 rg BT 135.79 670.70 Td (approximately ) Tj ET Q q 0 0 0 rg BT 212.69 670.70 Td (4 ) Tj ET Q q 0 0 0 rg BT 221.56 670.70 Td (million ) Tj ET Q q 0 0 0 rg BT 257.77 670.70 Td (of ) Tj ET Q q 0 0 0 rg BT 269.98 670.70 Td (their ) Tj ET Q q 0 0 0 rg BT 295.52 670.70 Td (retail ) Tj ET Q q 0 0 0 rg BT 323.73 670.70 Td (customers. ) Tj ET Q q 0 0 0 rg BT 384.61 670.70 Td ( ) Tj ET Q q 0 0 0 rg BT 386.37 670.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 416.20 670.70 Td (automotive ) Tj ET Q q 0 0 0 rg BT 477.10 670.70 Td (finance ) Tj ET Q q 0 0 0 rg BT 517.99 670.70 Td (services ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 656.30 Td (include ) Tj ET Q q 0 0 0 rg BT 91.67 656.30 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 144.00 656.30 Td (retail ) Tj ET Q q 0 0 0 rg BT 173.65 656.30 Td (installment ) Tj ET Q q 0 0 0 rg BT 234.65 656.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 260.31 656.30 Td (contracts ) Tj ET Q q 0 0 0 rg BT 312.63 656.30 Td (and ) Tj ET Q q 0 0 0 rg BT 336.29 656.30 Td (leases ) Tj ET Q q 0 0 0 rg BT 374.62 656.30 Td (from ) Tj ET Q q 0 0 0 rg BT 402.26 656.30 Td (dealers, ) Tj ET Q q 0 0 0 rg BT 448.59 656.30 Td (of) Tj ET Q q 0 0 0 rg BT 458.38 656.30 Td (fering ) Tj ET Q q 0 0 0 rg BT 492.04 656.30 Td (term ) Tj ET Q q 0 0 0 rg BT 519.68 656.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 552.01 656.30 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (dealers ) Tj ET Q q 0 0 0 rg BT 92.89 641.90 Td (\(including ) Tj ET Q q 0 0 0 rg BT 147.78 641.90 Td (real ) Tj ET Q q 0 0 0 rg BT 171.32 641.90 Td (estate ) Tj ET Q q 0 0 0 rg BT 207.54 641.90 Td (and ) Tj ET Q q 0 0 0 rg BT 231.10 641.90 Td (construction ) Tj ET Q q 0 0 0 rg BT 299.33 641.90 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 338.87 641.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 390.44 641.90 Td (dealer ) Tj ET Q q 0 0 0 rg BT 427.33 641.90 Td (floorplans ) Tj ET Q q 0 0 0 rg BT 482.89 641.90 Td (and ) Tj ET Q q 0 0 0 rg BT 506.44 641.90 Td (other ) Tj ET Q q 0 0 0 rg BT 537.32 641.90 Td (lines ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 627.50 Td (of ) Tj ET Q q 0 0 0 rg BT 62.30 627.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 93.94 627.50 Td (to ) Tj ET Q q 0 0 0 rg BT 106.24 627.50 Td (dealers, ) Tj ET Q q 0 0 0 rg BT 151.23 627.50 Td (fleet ) Tj ET Q q 0 0 0 rg BT 176.20 627.50 Td (leasing, ) Tj ET Q q 0 0 0 rg BT 219.86 627.50 Td (and ) Tj ET Q q 0 0 0 rg BT 242.17 627.50 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 281.82 627.50 Td (remarketing ) Tj ET Q q 0 0 0 rg BT 347.47 627.50 Td (services. ) Tj ET Q q 0 0 0 rg BT 397.11 627.50 Td ( ) Tj ET Q q 0 0 0 rg BT 399.25 627.50 Td (Through ) Tj ET Q q 0 0 0 rg BT 446.24 627.50 Td (its ) Tj ET Q q 0 0 0 rg BT 460.54 627.50 Td (insurance ) Tj ET Q q 0 0 0 rg BT 514.86 627.50 Td (af) Tj ET Q q 0 0 0 rg BT 524.65 627.50 Td (filiates, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.13 613.10 Td (also ) Tj ET Q q 0 0 0 rg BT 98.94 613.10 Td (of) Tj ET Q q 0 0 0 rg BT 108.73 613.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 132.53 613.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 162.34 613.10 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 203.49 613.10 Td (service ) Tj ET Q q 0 0 0 rg BT 245.30 613.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 301.11 613.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 366.25 613.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 422.08 613.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 471.21 613.10 Td (covering ) Tj ET Q q 0 0 0 rg BT 520.36 613.10 Td (dealers' ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 106.70 598.70 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 147.39 598.70 Td (inventories, ) Tj ET Q q 0 0 0 rg BT 212.09 598.70 Td (and ) Tj ET Q q 0 0 0 rg BT 235.44 598.70 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 307.49 598.70 Td (coverage. ) Tj ET Q q 0 0 0 rg BT 363.52 598.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 572.30 Td (For ) Tj ET Q q 0 0 0 rg BT 70.28 572.30 Td (Section ) Tj ET Q q 0 0 0 rg BT 112.59 572.30 Td (165 ) Tj ET Q q 0 0 0 rg BT 134.90 572.30 Td (Plan ) Tj ET Q q 0 0 0 rg BT 161.20 572.30 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 215.73 572.30 Td (AFI ) Tj ET Q q 0 0 0 rg BT 236.68 572.30 Td (has ) Tj ET Q q 0 0 0 rg BT 258.31 572.30 Td (identified ) Tj ET Q q 0 0 0 rg BT 308.63 572.30 Td (three ) Tj ET Q q 0 0 0 rg BT 338.27 572.30 Td (Core ) Tj ET Q q 0 0 0 rg BT 366.56 572.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 417.54 572.30 Td (Lines: ) Tj ET Q q 0 0 0 rg BT 451.85 572.30 Td ( ) Tj ET Q q 0 0 0 rg BT 453.68 572.30 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 515.99 572.30 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 565.35 572.30 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 557.90 Td (Insurance, ) Tj ET Q q 0 0 0 rg BT 108.90 557.90 Td (and ) Tj ET Q q 0 0 0 rg BT 131.79 557.90 Td (Direct ) Tj ET Q q 0 0 0 rg BT 166.00 557.90 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 215.56 557.90 Td ( ) Tj ET Q q 0 0 0 rg BT 218.43 557.90 Td (Similarly) Tj ET Q q 0 0 0 rg BT 262.87 557.90 Td (, ) Tj ET Q q 0 0 0 rg BT 269.08 557.90 Td (for ) Tj ET Q q 0 0 0 rg BT 285.95 557.90 Td ( ) Tj ET Q q 0 0 0 rg BT 288.82 557.90 Td (IDI ) Tj ET Q q 0 0 0 rg BT 307.02 557.90 Td (Plan ) Tj ET Q q 0 0 0 rg BT 333.90 557.90 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 388.90 557.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 411.11 557.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 441.33 557.90 Td (has ) Tj ET Q q 0 0 0 rg BT 463.54 557.90 Td (identified ) Tj ET Q q 0 0 0 rg BT 514.45 557.90 Td (two ) Tj ET Q q 0 0 0 rg BT 535.99 557.90 Td (Core ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 543.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 102.10 543.50 Td (Lines: ) Tj ET Q q 0 0 0 rg BT 137.53 543.50 Td ( ) Tj ET Q q 0 0 0 rg BT 140.26 543.50 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 203.69 543.50 Td (Finance ) Tj ET Q q 0 0 0 rg BT 249.79 543.50 Td (and ) Tj ET Q q 0 0 0 rg BT 273.22 543.50 Td (Direct ) Tj ET Q q 0 0 0 rg BT 307.96 543.50 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 358.07 543.50 Td ( ) Tj ET Q q 0 0 0 rg BT 361.48 543.50 Td (Other ) Tj ET Q q 0 0 0 rg BT 394.22 543.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 416.96 543.50 Td (business ) Tj ET Q q 0 0 0 rg BT 467.73 543.50 Td (lines ) Tj ET Q q 0 0 0 rg BT 495.82 543.50 Td (did ) Tj ET Q q 0 0 0 rg BT 515.24 543.50 Td (not ) Tj ET Q q 0 0 0 rg BT 535.33 543.50 Td (meet ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (the ) Tj ET Q q 0 0 0 rg BT 70.02 529.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 109.36 529.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 167.38 529.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.72 529.10 Td (be ) Tj ET Q q 0 0 0 rg BT 197.40 529.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 250.09 529.10 Td (as ) Tj ET Q q 0 0 0 rg BT 266.10 529.10 Td (a ) Tj ET Q q 0 0 0 rg BT 276.11 529.10 Td (Core ) Tj ET Q q 0 0 0 rg BT 305.45 529.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 357.48 529.10 Td (Line.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 502.70 Td (Each ) Tj ET Q q 0 0 0 rg BT 81.24 502.70 Td (Core ) Tj ET Q q 0 0 0 rg BT 111.15 502.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 163.73 502.70 Td (Line ) Tj ET Q q 0 0 0 rg BT 190.31 502.70 Td (is ) Tj ET Q q 0 0 0 rg BT 202.87 502.70 Td (conducted ) Tj ET Q q 0 0 0 rg BT 262.14 502.70 Td (through ) Tj ET Q q 0 0 0 rg BT 306.73 502.70 Td (one ) Tj ET Q q 0 0 0 rg BT 330.64 502.70 Td (or ) Tj ET Q q 0 0 0 rg BT 345.21 502.70 Td (more ) Tj ET Q q 0 0 0 rg BT 376.44 502.70 Td (of ) Tj ET Q q 0 0 0 rg BT 390.34 502.70 Td (the ) Tj ET Q q 0 0 0 rg BT 410.91 502.70 Td (Material ) Tj ET Q q 0 0 0 rg BT 457.49 502.70 Td (Entities ) Tj ET Q q 0 0 0 rg BT 500.73 502.70 Td (identified ) Tj ET Q q 0 0 0 rg BT 552.66 502.70 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 488.30 Td (Section ) Tj ET Q q 0 0 0 rg BT 93.01 488.30 Td (II.A) Tj ET Q q 0 0 0 rg BT 110.35 488.30 Td ( ) Tj ET Q q 0 0 0 rg BT 113.33 488.30 Td (of ) Tj ET Q q 0 0 0 rg BT 126.32 488.30 Td (this ) Tj ET Q q 0 0 0 rg BT 147.97 488.30 Td (Public ) Tj ET Q q 0 0 0 rg BT 183.64 488.30 Td (Section ) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 226.65 488.30 Td (-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 229.98 488.30 Td ( ) Tj ET Q q 0 0 0 rg BT 232.96 488.30 Td (Names ) Tj ET Q q 0 0 0 rg BT 273.95 488.30 Td (of ) Tj ET Q q 0 0 0 rg BT 286.94 488.30 Td (Material ) Tj ET Q q 0 0 0 rg BT 332.60 488.30 Td (Entities. ) Tj ET Q q 0 0 0 rg BT 378.26 488.30 Td ( ) Tj ET Q q 0 0 0 rg BT 380.65 488.30 Td (As ) Tj ET Q q 0 0 0 rg BT 397.64 488.30 Td (part ) Tj ET Q q 0 0 0 rg BT 421.30 488.30 Td (of ) Tj ET Q q 0 0 0 rg BT 433.69 488.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 464.30 488.30 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 509.99 488.30 Td (resolution ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 473.90 Td (planning ) Tj ET Q q 0 0 0 rg BT 98.78 473.90 Td (process, ) Tj ET Q q 0 0 0 rg BT 147.54 473.90 Td (the ) Tj ET Q q 0 0 0 rg BT 167.63 473.90 Td (list ) Tj ET Q q 0 0 0 rg BT 185.70 473.90 Td (of ) Tj ET Q q 0 0 0 rg BT 198.44 473.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 229.48 473.90 Td (and ) Tj ET Q q 0 0 0 rg BT 252.23 473.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 274.97 473.90 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 314.02 473.90 Td (Core ) Tj ET Q q 0 0 0 rg BT 343.44 473.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 395.54 473.90 Td (Lines ) Tj ET Q q 0 0 0 rg BT 427.63 473.90 Td (will ) Tj ET Q q 0 0 0 rg BT 447.70 473.90 Td (be ) Tj ET Q q 0 0 0 rg BT 464.46 473.90 Td (subject ) Tj ET Q q 0 0 0 rg BT 505.89 473.90 Td (to ) Tj ET Q q 0 0 0 rg BT 519.30 473.90 Td (ongoing ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 459.50 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 108.04 459.50 Td (and ) Tj ET Q q 0 0 0 rg BT 131.40 459.50 Td (updates.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 433.10 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 433.10 Td (Automotive Finance Core Business Line) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 406.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 80.50 406.70 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 144.13 406.70 Td (Finance ) Tj ET Q q 0 0 0 rg BT 190.41 406.70 Td (Core ) Tj ET Q q 0 0 0 rg BT 220.01 406.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 272.29 406.70 Td (Line ) Tj ET Q q 0 0 0 rg BT 298.57 406.70 Td (consists ) Tj ET Q q 0 0 0 rg BT 345.51 406.70 Td (of ) Tj ET Q q 0 0 0 rg BT 359.11 406.70 Td (automotive ) Tj ET Q q 0 0 0 rg BT 421.40 406.70 Td (finance ) Tj ET Q q 0 0 0 rg BT 463.69 406.70 Td (business ) Tj ET Q q 0 0 0 rg BT 514.64 406.70 Td (operated ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 392.30 Td (in ) Tj ET Q q 0 0 0 rg BT 62.47 392.30 Td (the ) Tj ET Q q 0 0 0 rg BT 82.28 392.30 Td (United ) Tj ET Q q 0 0 0 rg BT 120.10 392.30 Td (States. ) Tj ET Q q 0 0 0 rg BT 160.58 392.30 Td ( ) Tj ET Q q 0 0 0 rg BT 163.51 392.30 Td (The ) Tj ET Q q 0 0 0 rg BT 186.70 392.30 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 249.86 392.30 Td (Finance ) Tj ET Q q 0 0 0 rg BT 295.68 392.30 Td (Core ) Tj ET Q q 0 0 0 rg BT 324.82 392.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 376.64 392.30 Td (Line ) Tj ET Q q 0 0 0 rg BT 402.46 392.30 Td (had ) Tj ET Q q 0 0 0 rg BT 425.61 392.30 Td ($1) Tj ET Q q 0 0 0 rg BT 438.07 392.30 Td (18.9 ) Tj ET Q q 0 0 0 rg BT 464.55 392.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 498.37 392.30 Td (of ) Tj ET Q q 0 0 0 rg BT 511.51 392.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 549.32 392.30 Td (as ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 377.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.36 377.90 Td (March ) Tj ET Q q 0 0 0 rg BT 100.06 377.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 120.09 377.90 Td (2013, ) Tj ET Q q 0 0 0 rg BT 153.48 377.90 Td (of ) Tj ET Q q 0 0 0 rg BT 166.84 377.90 Td (which ) Tj ET Q q 0 0 0 rg BT 200.88 377.90 Td ($102.2 ) Tj ET Q q 0 0 0 rg BT 240.93 377.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 274.97 377.90 Td (related ) Tj ET Q q 0 0 0 rg BT 315.02 377.90 Td (to ) Tj ET Q q 0 0 0 rg BT 328.38 377.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 355.08 377.90 Td (operations. ) Tj ET Q q 0 0 0 rg BT 417.80 377.90 Td ( ) Tj ET Q q 0 0 0 rg BT 421.16 377.90 Td (In ) Tj ET Q q 0 0 0 rg BT 434.52 377.90 Td (the ) Tj ET Q q 0 0 0 rg BT 454.56 377.90 Td (first ) Tj ET Q q 0 0 0 rg BT 477.24 377.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 518.62 377.90 Td (of ) Tj ET Q q 0 0 0 rg BT 531.98 377.90 Td (2013, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 363.50 Td (the ) Tj ET Q q 0 0 0 rg BT 68.95 363.50 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 131.81 363.50 Td (Core ) Tj ET Q q 0 0 0 rg BT 160.65 363.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 212.17 363.50 Td (Line ) Tj ET Q q 0 0 0 rg BT 237.68 363.50 Td (generated ) Tj ET Q q 0 0 0 rg BT 294.56 363.50 Td ($856.8 ) Tj ET Q q 0 0 0 rg BT 334.09 363.50 Td (million ) Tj ET Q q 0 0 0 rg BT 370.93 363.50 Td (of ) Tj ET Q q 0 0 0 rg BT 383.77 363.50 Td (net ) Tj ET Q q 0 0 0 rg BT 403.28 363.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 449.47 363.50 Td (in ) Tj ET Q q 0 0 0 rg BT 461.64 363.50 Td (its ) Tj ET Q q 0 0 0 rg BT 476.47 363.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 502.64 363.50 Td (operations, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 73.69 349.10 Td ($855 ) Tj ET Q q 0 0 0 rg BT 104.06 349.10 Td (million ) Tj ET Q q 0 0 0 rg BT 141.74 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.42 349.10 Td (total ) Tj ET Q q 0 0 0 rg BT 181.78 349.10 Td (net ) Tj ET Q q 0 0 0 rg BT 202.13 349.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 252.50 349.10 Td ( ) Tj ET Q q 0 0 0 rg BT 255.44 349.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 278.45 349.10 Td (has ) Tj ET Q q 0 0 0 rg BT 301.47 349.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 379.85 349.10 Td (1,700 ) Tj ET Q q 0 0 0 rg BT 413.55 349.10 Td (automotive ) Tj ET Q q 0 0 0 rg BT 475.92 349.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 518.29 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.98 349.10 Td (600 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 334.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 106.99 334.70 Td (employees ) Tj ET Q q 0 0 0 rg BT 169.98 334.70 Td (across ) Tj ET Q q 0 0 0 rg BT 210.28 334.70 Td (the ) Tj ET Q q 0 0 0 rg BT 231.92 334.70 Td (United ) Tj ET Q q 0 0 0 rg BT 271.56 334.70 Td (States, ) Tj ET Q q 0 0 0 rg BT 313.87 334.70 Td (focused ) Tj ET Q q 0 0 0 rg BT 360.86 334.70 Td (on ) Tj ET Q q 0 0 0 rg BT 379.16 334.70 Td (serving ) Tj ET Q q 0 0 0 rg BT 422.80 334.70 Td (the ) Tj ET Q q 0 0 0 rg BT 444.44 334.70 Td (needs ) Tj ET Q q 0 0 0 rg BT 482.09 334.70 Td (of ) Tj ET Q q 0 0 0 rg BT 496.07 334.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 528.66 334.70 Td (dealer ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 320.30 Td (customers ) Tj ET Q q 0 0 0 rg BT 110.66 320.30 Td (with ) Tj ET Q q 0 0 0 rg BT 137.31 320.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 181.31 320.30 Td (and ) Tj ET Q q 0 0 0 rg BT 206.64 320.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 263.98 320.30 Td (products, ) Tj ET Q q 0 0 0 rg BT 318.65 320.30 Td (expanding ) Tj ET Q q 0 0 0 rg BT 379.34 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 401.34 320.30 Td (number ) Tj ET Q q 0 0 0 rg BT 447.33 320.30 Td (of ) Tj ET Q q 0 0 0 rg BT 462.65 320.30 Td (overall ) Tj ET Q q 0 0 0 rg BT 503.31 320.30 Td (dealer ) Tj ET Q q 0 0 0 rg BT 541.98 320.30 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 305.90 Td (automotive ) Tj ET Q q 0 0 0 rg BT 113.41 305.90 Td (manufacturer ) Tj ET Q q 0 0 0 rg BT 188.81 305.90 Td (relationships, ) Tj ET Q q 0 0 0 rg BT 264.23 305.90 Td (and ) Tj ET Q q 0 0 0 rg BT 288.96 305.90 Td (supporting ) Tj ET Q q 0 0 0 rg BT 348.77 305.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 381.10 305.90 Td (dealer ) Tj ET Q q 0 0 0 rg BT 419.17 305.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 471.91 305.90 Td (and ) Tj ET Q q 0 0 0 rg BT 496.64 305.90 Td (underwriting ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 291.50 Td (functions. ) Tj ET Q q 0 0 0 rg BT 104.70 291.50 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (In ) Tj ET Q q 0 0 0 rg BT 64.35 265.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 113.20 265.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 136.88 265.10 Td (has ) Tj ET Q q 0 0 0 rg BT 160.57 265.10 Td (over ) Tj ET Q q 0 0 0 rg BT 188.26 265.10 Td (1,600 ) Tj ET Q q 0 0 0 rg BT 222.63 265.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 285.01 265.10 Td (that ) Tj ET Q q 0 0 0 rg BT 309.36 265.10 Td (support ) Tj ET Q q 0 0 0 rg BT 353.73 265.10 Td (its ) Tj ET Q q 0 0 0 rg BT 370.08 265.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 421.77 265.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 485.49 265.10 Td ( ) Tj ET Q q 0 0 0 rg BT 488.97 265.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 512.65 265.10 Td (manages ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 250.70 Td (commercial ) Tj ET Q q 0 0 0 rg BT 115.50 250.70 Td (account ) Tj ET Q q 0 0 0 rg BT 161.69 250.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 213.20 250.70 Td (for ) Tj ET Q q 0 0 0 rg BT 231.37 250.70 Td (approximately ) Tj ET Q q 0 0 0 rg BT 310.23 250.70 Td (5,000 ) Tj ET Q q 0 0 0 rg BT 344.42 250.70 Td (dealers ) Tj ET Q q 0 0 0 rg BT 387.94 250.70 Td (that ) Tj ET Q q 0 0 0 rg BT 412.12 250.70 Td (utilize ) Tj ET Q q 0 0 0 rg BT 446.96 250.70 Td (its ) Tj ET Q q 0 0 0 rg BT 463.12 250.70 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 513.31 250.70 Td (inventory ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 236.30 Td (lending ) Tj ET Q q 0 0 0 rg BT 91.70 236.30 Td (or ) Tj ET Q q 0 0 0 rg BT 105.38 236.30 Td (other ) Tj ET Q q 0 0 0 rg BT 135.73 236.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 200.07 236.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 235.10 236.30 Td ( ) Tj ET Q q 0 0 0 rg BT 237.50 236.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 259.84 236.30 Td (also ) Tj ET Q q 0 0 0 rg BT 284.85 236.30 Td (provided ) Tj ET Q q 0 0 0 rg BT 333.89 236.30 Td (consumer ) Tj ET Q q 0 0 0 rg BT 389.58 236.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 421.26 236.30 Td (servicing ) Tj ET Q q 0 0 0 rg BT 471.61 236.30 Td (for ) Tj ET Q q 0 0 0 rg BT 488.62 236.30 Td (a ) Tj ET Q q 0 0 0 rg BT 498.29 236.30 Td ($76.5 ) Tj ET Q q 0 0 0 rg BT 531.33 236.30 Td (billion ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 221.90 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 97.17 221.90 Td (as ) Tj ET Q q 0 0 0 rg BT 114.32 221.90 Td (of ) Tj ET Q q 0 0 0 rg BT 128.80 221.90 Td (March ) Tj ET Q q 0 0 0 rg BT 166.61 221.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 187.77 221.90 Td (2013. ) Tj ET Q q 0 0 0 rg BT 222.27 221.90 Td ( ) Tj ET Q q 0 0 0 rg BT 226.46 221.90 Td (The ) Tj ET Q q 0 0 0 rg BT 251.61 221.90 Td (extensive ) Tj ET Q q 0 0 0 rg BT 306.78 221.90 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 381.28 221.90 Td (and ) Tj ET Q q 0 0 0 rg BT 405.78 221.90 Td (experience ) Tj ET Q q 0 0 0 rg BT 468.96 221.90 Td (of ) Tj ET Q q 0 0 0 rg BT 482.55 221.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 514.66 221.90 Td (servicing ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 207.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 108.47 207.50 Td (are ) Tj ET Q q 0 0 0 rg BT 128.25 207.50 Td (important ) Tj ET Q q 0 0 0 rg BT 180.70 207.50 Td (to ) Tj ET Q q 0 0 0 rg BT 193.14 207.50 Td (its ) Tj ET Q q 0 0 0 rg BT 207.57 207.50 Td (ability ) Tj ET Q q 0 0 0 rg BT 240.68 207.50 Td (to ) Tj ET Q q 0 0 0 rg BT 253.12 207.50 Td (minimize ) Tj ET Q q 0 0 0 rg BT 302.89 207.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 334.67 207.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 371.12 207.50 Td (and ) Tj ET Q q 0 0 0 rg BT 393.57 207.50 Td (enable ) Tj ET Q q 0 0 0 rg BT 431.55 207.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 453.32 207.50 Td (to ) Tj ET Q q 0 0 0 rg BT 465.76 207.50 Td (deliver ) Tj ET Q q 0 0 0 rg BT 503.54 207.50 Td (a ) Tj ET Q q 0 0 0 rg BT 512.65 207.50 Td (favorable ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 102.68 193.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 164.72 193.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.06 193.10 Td (both ) Tj ET Q q 0 0 0 rg BT 204.75 193.10 Td (dealers ) Tj ET Q q 0 0 0 rg BT 247.44 193.10 Td (and ) Tj ET Q q 0 0 0 rg BT 270.80 193.10 Td (their ) Tj ET Q q 0 0 0 rg BT 297.48 193.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 326.82 193.10 Td (customers.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 166.70 Td (The ) Tj ET Q q 0 0 0 rg BT 76.31 166.70 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 143.36 166.70 Td (Finance ) Tj ET Q q 0 0 0 rg BT 193.07 166.70 Td (Core ) Tj ET Q q 0 0 0 rg BT 226.11 166.70 Td (Business ) Tj ET Q q 0 0 0 rg BT 281.82 166.70 Td (Line's ) Tj ET Q q 0 0 0 rg BT 319.82 166.70 Td (primary ) Tj ET Q q 0 0 0 rg BT 366.85 166.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 429.22 166.70 Td (are ) Tj ET Q q 0 0 0 rg BT 453.59 166.70 Td (automotive ) Tj ET Q q 0 0 0 rg BT 519.31 166.70 Td (dealers. ) Tj ET Q q 0 0 0 rg BT 565.34 166.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 152.30 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 112.95 152.30 Td (dealers ) Tj ET Q q 0 0 0 rg BT 155.22 152.30 Td (are ) Tj ET Q q 0 0 0 rg BT 175.48 152.30 Td (independently ) Tj ET Q q 0 0 0 rg BT 253.13 152.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 291.41 152.30 Td (businesses ) Tj ET Q q 0 0 0 rg BT 354.36 152.30 Td (and ) Tj ET Q q 0 0 0 rg BT 377.30 152.30 Td (are ) Tj ET Q q 0 0 0 rg BT 396.98 152.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 427.53 152.30 Td (primary ) Tj ET Q q 0 0 0 rg BT 470.45 152.30 Td (customers. ) Tj ET Q q 0 0 0 rg BT 532.05 152.30 Td ( ) Tj ET Q q 0 0 0 rg BT 534.38 152.30 Td (Ally's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 137.90 Td (success ) Tj ET Q q 0 0 0 rg BT 95.90 137.90 Td (as ) Tj ET Q q 0 0 0 rg BT 111.12 137.90 Td (an ) Tj ET Q q 0 0 0 rg BT 127.02 137.90 Td (automotive-finance ) Tj ET Q q 0 0 0 rg BT 230.96 137.90 Td (provider ) Tj ET Q q 0 0 0 rg BT 276.87 137.90 Td (is ) Tj ET Q q 0 0 0 rg BT 288.08 137.90 Td (driven ) Tj ET Q q 0 0 0 rg BT 323.32 137.90 Td (by ) Tj ET Q q 0 0 0 rg BT 338.54 137.90 Td (the ) Tj ET Q q 0 0 0 rg BT 357.78 137.90 Td (consistent ) Tj ET Q q 0 0 0 rg BT 414.36 137.90 Td (and ) Tj ET Q q 0 0 0 rg BT 436.93 137.90 Td (broad ) Tj ET Q q 0 0 0 rg BT 470.17 137.90 Td (range ) Tj ET Q q 0 0 0 rg BT 503.41 137.90 Td (of ) Tj ET Q q 0 0 0 rg BT 515.97 137.90 Td (products ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 123.50 Td (and ) Tj ET Q q 0 0 0 rg BT 72.56 123.50 Td (services ) Tj ET Q q 0 0 0 rg BT 119.11 123.50 Td (it ) Tj ET Q q 0 0 0 rg BT 127.65 123.50 Td (of) Tj ET Q q 0 0 0 rg BT 137.44 123.50 Td (fers ) Tj ET Q q 0 0 0 rg BT 159.98 123.50 Td (to ) Tj ET Q q 0 0 0 rg BT 172.53 123.50 Td (dealers ) Tj ET Q q 0 0 0 rg BT 214.43 123.50 Td (who ) Tj ET Q q 0 0 0 rg BT 238.98 123.50 Td (enter ) Tj ET Q q 0 0 0 rg BT 268.87 123.50 Td (into ) Tj ET Q q 0 0 0 rg BT 290.76 123.50 Td (retail ) Tj ET Q q 0 0 0 rg BT 319.31 123.50 Td (installment ) Tj ET Q q 0 0 0 rg BT 379.21 123.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 403.76 123.50 Td (contracts ) Tj ET Q q 0 0 0 rg BT 454.98 123.50 Td (and ) Tj ET Q q 0 0 0 rg BT 477.55 123.50 Td (leases ) Tj ET Q q 0 0 0 rg BT 514.77 123.50 Td (with ) Tj ET Q q 0 0 0 rg BT 538.65 123.50 Td (their ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 80.37 109.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 140.07 109.10 Td (who ) Tj ET Q q 0 0 0 rg BT 166.44 109.10 Td (are ) Tj ET Q q 0 0 0 rg BT 188.15 109.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 241.20 109.10 Td (new ) Tj ET Q q 0 0 0 rg BT 267.57 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.95 109.10 Td (used ) Tj ET Q q 0 0 0 rg BT 322.33 109.10 Td (vehicles. ) Tj ET Q q 0 0 0 rg BT 373.38 109.10 Td ( ) Tj ET Q q 0 0 0 rg BT 376.87 109.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 408.85 109.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 449.23 109.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 496.27 109.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 552.00 109.10 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 94.70 Td (focus ) Tj ET Q q 0 0 0 rg BT 83.20 94.70 Td (on ) Tj ET Q q 0 0 0 rg BT 101.07 94.70 Td (diversifying ) Tj ET Q q 0 0 0 rg BT 165.61 94.70 Td (by ) Tj ET Q q 0 0 0 rg BT 182.81 94.70 Td (expanding ) Tj ET Q q 0 0 0 rg BT 242.71 94.70 Td (into ) Tj ET Q q 0 0 0 rg BT 266.58 94.70 Td (dif) Tj ET Q q 0 0 0 rg BT 279.04 94.70 Td (ferent ) Tj ET Q q 0 0 0 rg BT 314.24 94.70 Td (products ) Tj ET Q q 0 0 0 rg BT 364.79 94.70 Td (as ) Tj ET Q q 0 0 0 rg BT 381.98 94.70 Td (well ) Tj ET Q q 0 0 0 rg BT 407.18 94.70 Td (as ) Tj ET Q q 0 0 0 rg BT 424.37 94.70 Td (broadening ) Tj ET Q q 0 0 0 rg BT 488.94 94.70 Td (its ) Tj ET Q q 0 0 0 rg BT 505.46 94.70 Td (network ) Tj ET Q q 0 0 0 rg BT 552.00 94.70 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 80.30 Td (dealer ) Tj ET Q q 0 0 0 rg BT 86.69 80.30 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 160.73 80.30 Td ( ) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 740.30 Td (a.) Tj ET Q BT /F7 10.00 Tf ET q 0 0 0 rg BT 96.01 740.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 122.00 740.30 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 193.58 740.30 Td (Automotive Financing) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 713.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 82.04 713.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 147.80 713.90 Td (automotive ) Tj ET Q q 0 0 0 rg BT 210.91 713.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 263.36 713.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 323.82 713.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 373.57 713.90 Td (fund ) Tj ET Q q 0 0 0 rg BT 401.34 713.90 Td (dealer ) Tj ET Q q 0 0 0 rg BT 439.11 713.90 Td (inventory ) Tj ET Q q 0 0 0 rg BT 492.22 713.90 Td (purchases ) Tj ET Q q 0 0 0 rg BT 552.00 713.90 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 699.50 Td (new ) Tj ET Q q 0 0 0 rg BT 74.25 699.50 Td (and ) Tj ET Q q 0 0 0 rg BT 96.50 699.50 Td (used ) Tj ET Q q 0 0 0 rg BT 124.76 699.50 Td (vehicles, ) Tj ET Q q 0 0 0 rg BT 173.68 699.50 Td (commonly ) Tj ET Q q 0 0 0 rg BT 230.59 699.50 Td (referred ) Tj ET Q q 0 0 0 rg BT 274.84 699.50 Td (to ) Tj ET Q q 0 0 0 rg BT 287.08 699.50 Td (as ) Tj ET Q q 0 0 0 rg BT 301.99 699.50 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 357.59 699.50 Td (or ) Tj ET Q q 0 0 0 rg BT 370.49 699.50 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 418.76 699.50 Td (financing. ) Tj ET Q q 0 0 0 rg BT 472.36 699.50 Td ( ) Tj ET Q q 0 0 0 rg BT 474.15 699.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 495.72 699.50 Td (also ) Tj ET Q q 0 0 0 rg BT 519.97 699.50 Td (extends ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 77.29 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.91 685.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 121.86 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.49 685.10 Td (other ) Tj ET Q q 0 0 0 rg BT 174.45 685.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 205.75 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.37 685.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 271.01 685.10 Td (dealers. ) Tj ET Q q 0 0 0 rg BT 316.31 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 318.92 685.10 Td (In ) Tj ET Q q 0 0 0 rg BT 331.54 685.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 377.51 685.10 Td (each ) Tj ET Q q 0 0 0 rg BT 406.14 685.10 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 454.78 685.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 486.73 685.10 Td (line ) Tj ET Q q 0 0 0 rg BT 508.02 685.10 Td (is ) Tj ET Q q 0 0 0 rg BT 519.30 685.10 Td (secured ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 670.70 Td (by ) Tj ET Q q 0 0 0 rg BT 65.81 670.70 Td (all ) Tj ET Q q 0 0 0 rg BT 80.95 670.70 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 127.43 670.70 Td (financed ) Tj ET Q q 0 0 0 rg BT 175.94 670.70 Td (and, ) Tj ET Q q 0 0 0 rg BT 202.43 670.70 Td (in ) Tj ET Q q 0 0 0 rg BT 214.90 670.70 Td (most ) Tj ET Q q 0 0 0 rg BT 244.04 670.70 Td (cases, ) Tj ET Q q 0 0 0 rg BT 281.85 670.70 Td (by ) Tj ET Q q 0 0 0 rg BT 297.66 670.70 Td (other ) Tj ET Q q 0 0 0 rg BT 328.15 670.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 365.96 670.70 Td (owned ) Tj ET Q q 0 0 0 rg BT 404.46 670.70 Td (by ) Tj ET Q q 0 0 0 rg BT 420.26 670.70 Td (the ) Tj ET Q q 0 0 0 rg BT 440.08 670.70 Td (dealer ) Tj ET Q q 0 0 0 rg BT 476.57 670.70 Td (or ) Tj ET Q q 0 0 0 rg BT 490.38 670.70 Td (by ) Tj ET Q q 0 0 0 rg BT 506.18 670.70 Td (a ) Tj ET Q q 0 0 0 rg BT 515.99 670.70 Td (personal ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 656.30 Td (guaranty) Tj ET Q q 0 0 0 rg BT 95.81 656.30 Td (. ) Tj ET Q q 0 0 0 rg BT 102.13 656.30 Td ( ) Tj ET Q q 0 0 0 rg BT 104.92 656.30 Td (The ) Tj ET Q q 0 0 0 rg BT 128.58 656.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 171.00 656.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 193.31 656.30 Td (advances ) Tj ET Q q 0 0 0 rg BT 247.67 656.30 Td (to ) Tj ET Q q 0 0 0 rg BT 260.66 656.30 Td (dealers ) Tj ET Q q 0 0 0 rg BT 303.00 656.30 Td (is ) Tj ET Q q 0 0 0 rg BT 314.65 656.30 Td (equal ) Tj ET Q q 0 0 0 rg BT 347.00 656.30 Td (to ) Tj ET Q q 0 0 0 rg BT 359.99 656.30 Td (100% ) Tj ET Q q 0 0 0 rg BT 393.66 656.30 Td (of ) Tj ET Q q 0 0 0 rg BT 406.65 656.30 Td (the ) Tj ET Q q 0 0 0 rg BT 426.32 656.30 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 482.67 656.30 Td (invoice ) Tj ET Q q 0 0 0 rg BT 523.01 656.30 Td (price ) Tj ET Q q 0 0 0 rg BT 552.00 656.30 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (new ) Tj ET Q q 0 0 0 rg BT 76.17 641.90 Td (vehicles; ) Tj ET Q q 0 0 0 rg BT 127.02 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 147.86 641.90 Td (amount ) Tj ET Q q 0 0 0 rg BT 191.22 641.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 214.71 641.90 Td (advances ) Tj ET Q q 0 0 0 rg BT 270.24 641.90 Td (on ) Tj ET Q q 0 0 0 rg BT 287.75 641.90 Td (used ) Tj ET Q q 0 0 0 rg BT 317.93 641.90 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 365.44 641.90 Td (is ) Tj ET Q q 0 0 0 rg BT 378.27 641.90 Td (based ) Tj ET Q q 0 0 0 rg BT 415.12 641.90 Td (on ) Tj ET Q q 0 0 0 rg BT 432.63 641.90 Td (either ) Tj ET Q q 0 0 0 rg BT 466.81 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 487.65 641.90 Td (dealer ) Tj ET Q q 0 0 0 rg BT 525.16 641.90 Td (cost ) Tj ET Q q 0 0 0 rg BT 551.33 641.90 Td (or ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 627.50 Td (appraised ) Tj ET Q q 0 0 0 rg BT 108.86 627.50 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 168.38 627.50 Td (value, ) Tj ET Q q 0 0 0 rg BT 206.56 627.50 Td (depending ) Tj ET Q q 0 0 0 rg BT 268.77 627.50 Td (on ) Tj ET Q q 0 0 0 rg BT 288.27 627.50 Td (the ) Tj ET Q q 0 0 0 rg BT 311.10 627.50 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 379.29 627.50 Td ( ) Tj ET Q q 0 0 0 rg BT 385.44 627.50 Td (Interest ) Tj ET Q q 0 0 0 rg BT 431.62 627.50 Td (on ) Tj ET Q q 0 0 0 rg BT 451.12 627.50 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 503.30 627.50 Td (automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 101.70 613.10 Td (is ) Tj ET Q q 0 0 0 rg BT 114.03 613.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 166.39 613.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 212.09 613.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 257.77 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.46 613.10 Td (is ) Tj ET Q q 0 0 0 rg BT 293.79 613.10 Td (usually ) Tj ET Q q 0 0 0 rg BT 334.81 613.10 Td (indexed ) Tj ET Q q 0 0 0 rg BT 380.51 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.18 613.10 Td (a ) Tj ET Q q 0 0 0 rg BT 404.52 613.10 Td (floating-rate ) Tj ET Q q 0 0 0 rg BT 471.55 613.10 Td (benchmark. ) Tj ET Q q 0 0 0 rg BT 537.91 613.10 Td ( ) Tj ET Q q 0 0 0 rg BT 541.34 613.10 Td (The ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (rate ) Tj ET Q q 0 0 0 rg BT 75.07 598.70 Td (for ) Tj ET Q q 0 0 0 rg BT 93.46 598.70 Td (a ) Tj ET Q q 0 0 0 rg BT 104.52 598.70 Td (particular ) Tj ET Q q 0 0 0 rg BT 158.26 598.70 Td (dealer ) Tj ET Q q 0 0 0 rg BT 196.01 598.70 Td (is ) Tj ET Q q 0 0 0 rg BT 209.06 598.70 Td (based ) Tj ET Q q 0 0 0 rg BT 246.15 598.70 Td (on, ) Tj ET Q q 0 0 0 rg BT 267.22 598.70 Td (among ) Tj ET Q q 0 0 0 rg BT 308.30 598.70 Td (other ) Tj ET Q q 0 0 0 rg BT 340.04 598.70 Td (factors, ) Tj ET Q q 0 0 0 rg BT 383.77 598.70 Td (the ) Tj ET Q q 0 0 0 rg BT 404.84 598.70 Td (dealer's ) Tj ET Q q 0 0 0 rg BT 450.88 598.70 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 541.97 598.70 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (eligibility ) Tj ET Q q 0 0 0 rg BT 98.17 584.30 Td (for ) Tj ET Q q 0 0 0 rg BT 115.00 584.30 Td (various ) Tj ET Q q 0 0 0 rg BT 156.50 584.30 Td (incentive ) Tj ET Q q 0 0 0 rg BT 206.69 584.30 Td (programs. ) Tj ET Q q 0 0 0 rg BT 263.52 584.30 Td ( ) Tj ET Q q 0 0 0 rg BT 266.35 584.30 Td (During ) Tj ET Q q 0 0 0 rg BT 304.52 584.30 Td (the ) Tj ET Q q 0 0 0 rg BT 324.02 584.30 Td (first ) Tj ET Q q 0 0 0 rg BT 346.17 584.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 387.01 584.30 Td (of ) Tj ET Q q 0 0 0 rg BT 399.84 584.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 432.13 584.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 454.29 584.30 Td (financed ) Tj ET Q q 0 0 0 rg BT 502.48 584.30 Td (an ) Tj ET Q q 0 0 0 rg BT 518.65 584.30 Td (average ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 569.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.34 569.90 Td ($29.1 ) Tj ET Q q 0 0 0 rg BT 96.71 569.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 130.72 569.90 Td (of ) Tj ET Q q 0 0 0 rg BT 144.07 569.90 Td (dealer ) Tj ET Q q 0 0 0 rg BT 180.76 569.90 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 221.45 569.90 Td (inventory ) Tj ET Q q 0 0 0 rg BT 273.47 569.90 Td (through ) Tj ET Q q 0 0 0 rg BT 317.50 569.90 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 366.87 569.90 Td (financings.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 543.50 Td (b.) Tj ET Q BT /F7 10.00 Tf ET q 0 0 0 rg BT 96.66 543.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 122.00 543.50 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 184.23 543.50 Td (Automotive Financing) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 81.47 517.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 138.00 517.10 Td (automotive ) Tj ET Q q 0 0 0 rg BT 200.54 517.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 252.42 517.10 Td (business ) Tj ET Q q 0 0 0 rg BT 303.63 517.10 Td (focuses ) Tj ET Q q 0 0 0 rg BT 348.83 517.10 Td (on ) Tj ET Q q 0 0 0 rg BT 366.02 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.54 517.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 447.09 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.96 517.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 522.15 517.10 Td (of ) Tj ET Q q 0 0 0 rg BT 536.00 517.10 Td (retail ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 502.70 Td (installment ) Tj ET Q q 0 0 0 rg BT 110.47 502.70 Td (sale ) Tj ET Q q 0 0 0 rg BT 135.59 502.70 Td (contracts ) Tj ET Q q 0 0 0 rg BT 187.38 502.70 Td (for ) Tj ET Q q 0 0 0 rg BT 204.50 502.70 Td (new ) Tj ET Q q 0 0 0 rg BT 229.62 502.70 Td (and ) Tj ET Q q 0 0 0 rg BT 252.75 502.70 Td (used ) Tj ET Q q 0 0 0 rg BT 281.88 502.70 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 328.35 502.70 Td (and ) Tj ET Q q 0 0 0 rg BT 351.48 502.70 Td (leases ) Tj ET Q q 0 0 0 rg BT 389.27 502.70 Td (for ) Tj ET Q q 0 0 0 rg BT 406.39 502.70 Td (new ) Tj ET Q q 0 0 0 rg BT 431.51 502.70 Td (vehicles. ) Tj ET Q q 0 0 0 rg BT 481.31 502.70 Td ( ) Tj ET Q q 0 0 0 rg BT 484.42 502.70 Td (During ) Tj ET Q q 0 0 0 rg BT 522.88 502.70 Td (the ) Tj ET Q q 0 0 0 rg BT 542.67 502.70 Td (first ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 488.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 90.16 488.30 Td (of ) Tj ET Q q 0 0 0 rg BT 102.31 488.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 134.06 488.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 155.53 488.30 Td (originated ) Tj ET Q q 0 0 0 rg BT 210.38 488.30 Td (a ) Tj ET Q q 0 0 0 rg BT 219.19 488.30 Td (total ) Tj ET Q q 0 0 0 rg BT 244.01 488.30 Td (of ) Tj ET Q q 0 0 0 rg BT 256.16 488.30 Td (367,000 ) Tj ET Q q 0 0 0 rg BT 301.68 488.30 Td (retail ) Tj ET Q q 0 0 0 rg BT 329.83 488.30 Td (installment ) Tj ET Q q 0 0 0 rg BT 389.33 488.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 413.48 488.30 Td (contracts ) Tj ET Q q 0 0 0 rg BT 464.31 488.30 Td (and ) Tj ET Q q 0 0 0 rg BT 486.47 488.30 Td (leases ) Tj ET Q q 0 0 0 rg BT 523.30 488.30 Td (totaling ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 473.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 128.04 473.90 Td ($9.7 ) Tj ET Q q 0 0 0 rg BT 154.72 473.90 Td (billion.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 447.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 80.77 447.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 136.59 447.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 198.43 447.50 Td (financing ) Tj ET Q q 0 0 0 rg BT 249.61 447.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 308.79 447.50 Td (generate ) Tj ET Q q 0 0 0 rg BT 359.30 447.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 405.81 447.50 Td (through ) Tj ET Q q 0 0 0 rg BT 449.65 447.50 Td (financing ) Tj ET Q q 0 0 0 rg BT 500.82 447.50 Td (and ) Tj ET Q q 0 0 0 rg BT 523.98 447.50 Td (leasing ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 104.58 433.10 Td (by ) Tj ET Q q 0 0 0 rg BT 119.80 433.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 177.70 433.10 Td (on ) Tj ET Q q 0 0 0 rg BT 193.60 433.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 222.16 433.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 282.07 433.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 306.63 433.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 357.87 433.10 Td (and ) Tj ET Q q 0 0 0 rg BT 380.44 433.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 421.01 433.10 Td ( ) Tj ET Q q 0 0 0 rg BT 423.06 433.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 444.94 433.10 Td (also ) Tj ET Q q 0 0 0 rg BT 469.51 433.10 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 530.09 433.10 Td (a ) Tj ET Q q 0 0 0 rg BT 539.31 433.10 Td (gain ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 418.70 Td (or ) Tj ET Q q 0 0 0 rg BT 64.59 418.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 89.84 418.70 Td (on ) Tj ET Q q 0 0 0 rg BT 107.11 418.70 Td (the ) Tj ET Q q 0 0 0 rg BT 127.71 418.70 Td (remarketing ) Tj ET Q q 0 0 0 rg BT 194.98 418.70 Td (of ) Tj ET Q q 0 0 0 rg BT 208.91 418.70 Td (leased ) Tj ET Q q 0 0 0 rg BT 248.18 418.70 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 295.46 418.70 Td (at ) Tj ET Q q 0 0 0 rg BT 309.38 418.70 Td (the ) Tj ET Q q 0 0 0 rg BT 329.98 418.70 Td (end ) Tj ET Q q 0 0 0 rg BT 353.92 418.70 Td (of ) Tj ET Q q 0 0 0 rg BT 367.84 418.70 Td (the ) Tj ET Q q 0 0 0 rg BT 388.44 418.70 Td (lease. ) Tj ET Q q 0 0 0 rg BT 424.38 418.70 Td ( ) Tj ET Q q 0 0 0 rg BT 428.30 418.70 Td (When ) Tj ET Q q 0 0 0 rg BT 463.56 418.70 Td (a ) Tj ET Q q 0 0 0 rg BT 474.15 418.70 Td (lease ) Tj ET Q q 0 0 0 rg BT 506.76 418.70 Td (contract ) Tj ET Q q 0 0 0 rg BT 553.36 418.70 Td (is ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 404.30 Td (originated, ) Tj ET Q q 0 0 0 rg BT 108.09 404.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 129.99 404.30 Td (estimates ) Tj ET Q q 0 0 0 rg BT 183.91 404.30 Td (the ) Tj ET Q q 0 0 0 rg BT 203.15 404.30 Td (residual ) Tj ET Q q 0 0 0 rg BT 247.74 404.30 Td (value ) Tj ET Q q 0 0 0 rg BT 278.99 404.30 Td (of ) Tj ET Q q 0 0 0 rg BT 291.57 404.30 Td (the ) Tj ET Q q 0 0 0 rg BT 310.81 404.30 Td (leased ) Tj ET Q q 0 0 0 rg BT 348.74 404.30 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 388.65 404.30 Td (at ) Tj ET Q q 0 0 0 rg BT 401.23 404.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 432.48 404.30 Td (termination. ) Tj ET Q q 0 0 0 rg BT 497.74 404.30 Td ( ) Tj ET Q q 0 0 0 rg BT 499.79 404.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 529.98 404.30 Td (actual ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 389.90 Td (sales ) Tj ET Q q 0 0 0 rg BT 81.62 389.90 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 134.58 389.90 Td (from ) Tj ET Q q 0 0 0 rg BT 162.19 389.90 Td (remarketing ) Tj ET Q q 0 0 0 rg BT 229.15 389.90 Td (the ) Tj ET Q q 0 0 0 rg BT 249.43 389.90 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 290.39 389.90 Td (may ) Tj ET Q q 0 0 0 rg BT 316.66 389.90 Td (be ) Tj ET Q q 0 0 0 rg BT 333.61 389.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 370.57 389.90 Td (or ) Tj ET Q q 0 0 0 rg BT 384.84 389.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 417.12 389.90 Td (than ) Tj ET Q q 0 0 0 rg BT 444.08 389.90 Td (the ) Tj ET Q q 0 0 0 rg BT 464.36 389.90 Td (estimated ) Tj ET Q q 0 0 0 rg BT 519.99 389.90 Td (residual ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 375.50 Td (value.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 115.77 349.10 Td (manufacturers ) Tj ET Q q 0 0 0 rg BT 198.20 349.10 Td (may ) Tj ET Q q 0 0 0 rg BT 226.61 349.10 Td (elect, ) Tj ET Q q 0 0 0 rg BT 261.03 349.10 Td (as ) Tj ET Q q 0 0 0 rg BT 279.44 349.10 Td (a ) Tj ET Q q 0 0 0 rg BT 291.85 349.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 350.27 349.10 Td (incentive, ) Tj ET Q q 0 0 0 rg BT 406.70 349.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.45 349.10 Td (sponsor ) Tj ET Q q 0 0 0 rg BT 470.87 349.10 Td (special ) Tj ET Q q 0 0 0 rg BT 513.96 349.10 Td (financing ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 334.70 Td (programs ) Tj ET Q q 0 0 0 rg BT 104.02 334.70 Td (for ) Tj ET Q q 0 0 0 rg BT 121.35 334.70 Td (retail ) Tj ET Q q 0 0 0 rg BT 150.69 334.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 182.04 334.70 Td (of ) Tj ET Q q 0 0 0 rg BT 195.38 334.70 Td (their ) Tj ET Q q 0 0 0 rg BT 222.06 334.70 Td (vehicles. ) Tj ET Q q 0 0 0 rg BT 272.08 334.70 Td ( ) Tj ET Q q 0 0 0 rg BT 275.19 334.70 Td (The ) Tj ET Q q 0 0 0 rg BT 299.20 334.70 Td (manufacturer ) Tj ET Q q 0 0 0 rg BT 373.24 334.70 Td (can ) Tj ET Q q 0 0 0 rg BT 395.92 334.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 427.92 334.70 Td (the ) Tj ET Q q 0 0 0 rg BT 447.94 334.70 Td (financing ) Tj ET Q q 0 0 0 rg BT 499.31 334.70 Td (rate ) Tj ET Q q 0 0 0 rg BT 523.32 334.70 Td (paid ) Tj ET Q q 0 0 0 rg BT 549.34 334.70 Td (by ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 69.60 320.30 Td (customer ) Tj ET Q q 0 0 0 rg BT 121.87 320.30 Td (on ) Tj ET Q q 0 0 0 rg BT 138.14 320.30 Td (either ) Tj ET Q q 0 0 0 rg BT 171.08 320.30 Td (a ) Tj ET Q q 0 0 0 rg BT 180.67 320.30 Td (retail ) Tj ET Q q 0 0 0 rg BT 209.60 320.30 Td (installment ) Tj ET Q q 0 0 0 rg BT 269.88 320.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 294.81 320.30 Td (contract ) Tj ET Q q 0 0 0 rg BT 340.42 320.30 Td (or ) Tj ET Q q 0 0 0 rg BT 354.01 320.30 Td (a ) Tj ET Q q 0 0 0 rg BT 363.60 320.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 395.21 320.30 Td (by ) Tj ET Q q 0 0 0 rg BT 410.81 320.30 Td (paying ) Tj ET Q q 0 0 0 rg BT 448.51 320.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 470.76 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 490.37 320.30 Td (present ) Tj ET Q q 0 0 0 rg BT 533.31 320.30 Td (value ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 305.90 Td (of ) Tj ET Q q 0 0 0 rg BT 62.83 305.90 Td (the ) Tj ET Q q 0 0 0 rg BT 82.34 305.90 Td (dif) Tj ET Q q 0 0 0 rg BT 94.80 305.90 Td (ference ) Tj ET Q q 0 0 0 rg BT 137.65 305.90 Td (between ) Tj ET Q q 0 0 0 rg BT 185.85 305.90 Td (the ) Tj ET Q q 0 0 0 rg BT 205.35 305.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 257.53 305.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 281.03 305.90 Td (and ) Tj ET Q q 0 0 0 rg BT 303.32 305.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 333.77 305.90 Td (standard ) Tj ET Q q 0 0 0 rg BT 383.30 305.90 Td (market ) Tj ET Q q 0 0 0 rg BT 422.80 305.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 452.30 305.90 Td (at ) Tj ET Q q 0 0 0 rg BT 465.13 305.90 Td (contract ) Tj ET Q q 0 0 0 rg BT 510.65 305.90 Td (inception. ) Tj ET Q q 0 0 0 rg BT 565.35 305.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 291.50 Td (These ) Tj ET Q q 0 0 0 rg BT 91.64 291.50 Td (marketing ) Tj ET Q q 0 0 0 rg BT 152.61 291.50 Td (incentives ) Tj ET Q q 0 0 0 rg BT 214.26 291.50 Td (are ) Tj ET Q q 0 0 0 rg BT 239.88 291.50 Td (referred ) Tj ET Q q 0 0 0 rg BT 290.19 291.50 Td (to ) Tj ET Q q 0 0 0 rg BT 308.48 291.50 Td (as ) Tj ET Q q 0 0 0 rg BT 329.44 291.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 358.40 291.50 Td (support ) Tj ET Q q 0 0 0 rg BT 406.71 291.50 Td (or ) Tj ET Q q 0 0 0 rg BT 425.67 291.50 Td (subvention. ) Tj ET Q q 0 0 0 rg BT 495.33 291.50 Td ( ) Tj ET Q q 0 0 0 rg BT 501.97 291.50 Td (Automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (manufacturers ) Tj ET Q q 0 0 0 rg BT 131.26 277.10 Td (may ) Tj ET Q q 0 0 0 rg BT 158.48 277.10 Td (also, ) Tj ET Q q 0 0 0 rg BT 188.39 277.10 Td (from ) Tj ET Q q 0 0 0 rg BT 216.94 277.10 Td (time ) Tj ET Q q 0 0 0 rg BT 244.17 277.10 Td (to ) Tj ET Q q 0 0 0 rg BT 258.73 277.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 289.29 277.10 Td (of) Tj ET Q q 0 0 0 rg BT 299.09 277.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 317.65 277.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 350.89 277.10 Td (pull-ahead ) Tj ET Q q 0 0 0 rg BT 411.49 277.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 470.07 277.10 Td (which ) Tj ET Q q 0 0 0 rg BT 505.30 277.10 Td (encourage ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 262.70 Td (consumers ) Tj ET Q q 0 0 0 rg BT 113.78 262.70 Td (to ) Tj ET Q q 0 0 0 rg BT 128.88 262.70 Td (terminate ) Tj ET Q q 0 0 0 rg BT 183.99 262.70 Td (existing ) Tj ET Q q 0 0 0 rg BT 229.77 262.70 Td (leases ) Tj ET Q q 0 0 0 rg BT 269.55 262.70 Td (early ) Tj ET Q q 0 0 0 rg BT 300.65 262.70 Td (if ) Tj ET Q q 0 0 0 rg BT 311.74 262.70 Td (they ) Tj ET Q q 0 0 0 rg BT 339.51 262.70 Td (acquire ) Tj ET Q q 0 0 0 rg BT 383.96 262.70 Td (a ) Tj ET Q q 0 0 0 rg BT 395.72 262.70 Td (new ) Tj ET Q q 0 0 0 rg BT 422.83 262.70 Td (vehicle. ) Tj ET Q q 0 0 0 rg BT 468.61 262.70 Td ( ) Tj ET Q q 0 0 0 rg BT 472.69 262.70 Td (As ) Tj ET Q q 0 0 0 rg BT 491.78 262.70 Td (part ) Tj ET Q q 0 0 0 rg BT 517.55 262.70 Td (of ) Tj ET Q q 0 0 0 rg BT 532.65 262.70 Td (these ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 248.30 Td (programs, ) Tj ET Q q 0 0 0 rg BT 107.38 248.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 130.92 248.30 Td (waives ) Tj ET Q q 0 0 0 rg BT 171.80 248.30 Td (all ) Tj ET Q q 0 0 0 rg BT 188.01 248.30 Td (or ) Tj ET Q q 0 0 0 rg BT 202.88 248.30 Td (a ) Tj ET Q q 0 0 0 rg BT 213.75 248.30 Td (portion ) Tj ET Q q 0 0 0 rg BT 254.64 248.30 Td (of ) Tj ET Q q 0 0 0 rg BT 268.85 248.30 Td (the ) Tj ET Q q 0 0 0 rg BT 289.73 248.30 Td (customer's ) Tj ET Q q 0 0 0 rg BT 351.57 248.30 Td (remaining ) Tj ET Q q 0 0 0 rg BT 408.46 248.30 Td (payment ) Tj ET Q q 0 0 0 rg BT 458.69 248.30 Td (obligation. ) Tj ET Q q 0 0 0 rg BT 517.60 248.30 Td ( ) Tj ET Q q 0 0 0 rg BT 521.80 248.30 Td (In ) Tj ET Q q 0 0 0 rg BT 536.01 248.30 Td (most ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 233.90 Td (cases, ) Tj ET Q q 0 0 0 rg BT 87.94 233.90 Td (the ) Tj ET Q q 0 0 0 rg BT 107.88 233.90 Td (automotive ) Tj ET Q q 0 0 0 rg BT 169.84 233.90 Td (manufacturer ) Tj ET Q q 0 0 0 rg BT 243.80 233.90 Td (compensates ) Tj ET Q q 0 0 0 rg BT 317.79 233.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 340.39 233.90 Td (for ) Tj ET Q q 0 0 0 rg BT 357.65 233.90 Td (a ) Tj ET Q q 0 0 0 rg BT 367.59 233.90 Td (portion ) Tj ET Q q 0 0 0 rg BT 407.54 233.90 Td (of ) Tj ET Q q 0 0 0 rg BT 420.81 233.90 Td (the ) Tj ET Q q 0 0 0 rg BT 440.75 233.90 Td (foregone ) Tj ET Q q 0 0 0 rg BT 491.38 233.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 538.01 233.90 Td (from ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 219.50 Td (those ) Tj ET Q q 0 0 0 rg BT 82.12 219.50 Td (waived ) Tj ET Q q 0 0 0 rg BT 122.25 219.50 Td (payments ) Tj ET Q q 0 0 0 rg BT 177.04 219.50 Td (after ) Tj ET Q q 0 0 0 rg BT 203.82 219.50 Td (consideration ) Tj ET Q q 0 0 0 rg BT 277.97 219.50 Td (of ) Tj ET Q q 0 0 0 rg BT 290.75 219.50 Td (the ) Tj ET Q q 0 0 0 rg BT 310.20 219.50 Td (extent ) Tj ET Q q 0 0 0 rg BT 345.66 219.50 Td (to ) Tj ET Q q 0 0 0 rg BT 358.43 219.50 Td (which ) Tj ET Q q 0 0 0 rg BT 391.33 219.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 421.73 219.50 Td (remarketing ) Tj ET Q q 0 0 0 rg BT 487.85 219.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 512.64 219.50 Td (proceeds ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (are ) Tj ET Q q 0 0 0 rg BT 70.75 205.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 107.51 205.10 Td (than ) Tj ET Q q 0 0 0 rg BT 134.26 205.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 189.02 205.10 Td (would ) Tj ET Q q 0 0 0 rg BT 223.78 205.10 Td (be ) Tj ET Q q 0 0 0 rg BT 240.53 205.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 285.96 205.10 Td (if ) Tj ET Q q 0 0 0 rg BT 295.36 205.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.44 205.10 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 356.20 205.10 Td (had ) Tj ET Q q 0 0 0 rg BT 379.62 205.10 Td (been ) Tj ET Q q 0 0 0 rg BT 409.72 205.10 Td (remarketed ) Tj ET Q q 0 0 0 rg BT 473.81 205.10 Td (at ) Tj ET Q q 0 0 0 rg BT 487.22 205.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 519.31 205.10 Td (contract ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 190.70 Td (maturity) Tj ET Q q 0 0 0 rg BT 91.78 190.70 Td (. ) Tj ET Q q 0 0 0 rg BT 97.91 190.70 Td ( ) Tj ET Q q 0 0 0 rg BT 100.14 190.70 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 162.96 190.70 Td (manufacturers ) Tj ET Q q 0 0 0 rg BT 242.45 190.70 Td (may ) Tj ET Q q 0 0 0 rg BT 267.91 190.70 Td (also ) Tj ET Q q 0 0 0 rg BT 292.72 190.70 Td (elect ) Tj ET Q q 0 0 0 rg BT 320.85 190.70 Td (to ) Tj ET Q q 0 0 0 rg BT 333.65 190.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 365.12 190.70 Td (a ) Tj ET Q q 0 0 0 rg BT 374.58 190.70 Td (customer's ) Tj ET Q q 0 0 0 rg BT 435.01 190.70 Td (lease ) Tj ET Q q 0 0 0 rg BT 466.49 190.70 Td (payments ) Tj ET Q q 0 0 0 rg BT 521.30 190.70 Td (through ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 176.30 Td (residual ) Tj ET Q q 0 0 0 rg BT 94.58 176.30 Td (support ) Tj ET Q q 0 0 0 rg BT 137.16 176.30 Td (incentive ) Tj ET Q q 0 0 0 rg BT 187.08 176.30 Td (programs. ) Tj ET Q q 0 0 0 rg BT 243.66 176.30 Td ( ) Tj ET Q q 0 0 0 rg BT 246.22 176.30 Td (In ) Tj ET Q q 0 0 0 rg BT 258.78 176.30 Td (these ) Tj ET Q q 0 0 0 rg BT 290.69 176.30 Td (instances, ) Tj ET Q q 0 0 0 rg BT 346.77 176.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 368.67 176.30 Td (agrees ) Tj ET Q q 0 0 0 rg BT 407.92 176.30 Td (at ) Tj ET Q q 0 0 0 rg BT 420.48 176.30 Td (the ) Tj ET Q q 0 0 0 rg BT 439.72 176.30 Td (time ) Tj ET Q q 0 0 0 rg BT 464.95 176.30 Td (the ) Tj ET Q q 0 0 0 rg BT 484.19 176.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 515.43 176.30 Td (is ) Tj ET Q q 0 0 0 rg BT 526.66 176.30 Td (signed ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 161.90 Td (to ) Tj ET Q q 0 0 0 rg BT 63.28 161.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 111.91 161.90 Td (the ) Tj ET Q q 0 0 0 rg BT 131.86 161.90 Td (residual ) Tj ET Q q 0 0 0 rg BT 177.16 161.90 Td (value ) Tj ET Q q 0 0 0 rg BT 209.12 161.90 Td (of ) Tj ET Q q 0 0 0 rg BT 222.40 161.90 Td (the ) Tj ET Q q 0 0 0 rg BT 242.35 161.90 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 282.98 161.90 Td (on ) Tj ET Q q 0 0 0 rg BT 299.60 161.90 Td (which ) Tj ET Q q 0 0 0 rg BT 333.55 161.90 Td (the ) Tj ET Q q 0 0 0 rg BT 353.50 161.90 Td (lease ) Tj ET Q q 0 0 0 rg BT 385.46 161.90 Td (payments ) Tj ET Q q 0 0 0 rg BT 440.76 161.90 Td (are ) Tj ET Q q 0 0 0 rg BT 461.37 161.90 Td (based ) Tj ET Q q 0 0 0 rg BT 497.34 161.90 Td (in ) Tj ET Q q 0 0 0 rg BT 509.95 161.90 Td (exchange ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 147.50 Td (for ) Tj ET Q q 0 0 0 rg BT 67.34 147.50 Td (a ) Tj ET Q q 0 0 0 rg BT 77.35 147.50 Td (payment ) Tj ET Q q 0 0 0 rg BT 126.71 147.50 Td (from ) Tj ET Q q 0 0 0 rg BT 154.04 147.50 Td (the ) Tj ET Q q 0 0 0 rg BT 174.05 147.50 Td (manufacturer) Tj ET Q q 0 0 0 rg BT 244.09 147.50 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 121.10 Td (c) Tj ET Q BT /F6 12.00 Tf ET q 0 0 0 rg BT 92.67 121.10 Td (.) Tj ET Q BT /F7 10.00 Tf ET q 0 0 0 rg BT 96.01 121.10 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 122.00 121.10 Td (Automotive Remarketing Services) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 94.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.11 94.70 Td (provides ) Tj ET Q q 0 0 0 rg BT 120.25 94.70 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 204.40 94.70 Td (automotive ) Tj ET Q q 0 0 0 rg BT 265.88 94.70 Td (remarketing ) Tj ET Q q 0 0 0 rg BT 332.01 94.70 Td (services, ) Tj ET Q q 0 0 0 rg BT 382.13 94.70 Td (including ) Tj ET Q q 0 0 0 rg BT 432.28 94.70 Td (the ) Tj ET Q q 0 0 0 rg BT 451.74 94.70 Td (use ) Tj ET Q q 0 0 0 rg BT 473.86 94.70 Td (of ) Tj ET Q q 0 0 0 rg BT 486.65 94.70 Td (SmartAuction, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 80.30 Td (its ) Tj ET Q q 0 0 0 rg BT 68.27 80.30 Td (online ) Tj ET Q q 0 0 0 rg BT 106.56 80.30 Td (auction ) Tj ET Q q 0 0 0 rg BT 151.52 80.30 Td (platform, ) Tj ET Q q 0 0 0 rg BT 204.47 80.30 Td (which ) Tj ET Q q 0 0 0 rg BT 241.41 80.30 Td (ef) Tj ET Q q 0 0 0 rg BT 251.20 80.30 Td (ficiently ) Tj ET Q q 0 0 0 rg BT 297.48 80.30 Td (supports ) Tj ET Q q 0 0 0 rg BT 349.77 80.30 Td (dealer-to-dealer ) Tj ET Q q 0 0 0 rg BT 440.75 80.30 Td (and ) Tj ET Q q 0 0 0 rg BT 467.04 80.30 Td (other ) Tj ET Q q 0 0 0 rg BT 500.66 80.30 Td (commercial ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 65.90 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 107.49 65.90 Td (car ) Tj ET Q q 0 0 0 rg BT 128.29 65.90 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 200.45 65.90 Td ( ) Tj ET Q q 0 0 0 rg BT 204.58 65.90 Td (In ) Tj ET Q q 0 0 0 rg BT 218.71 65.90 Td (the ) Tj ET Q q 0 0 0 rg BT 239.52 65.90 Td (first ) Tj ET Q q 0 0 0 rg BT 262.98 65.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 305.13 65.90 Td (of ) Tj ET Q q 0 0 0 rg BT 319.26 65.90 Td (2013, ) Tj ET Q q 0 0 0 rg BT 352.60 65.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 376.06 65.90 Td (and ) Tj ET Q q 0 0 0 rg BT 400.21 65.90 Td (others, ) Tj ET Q q 0 0 0 rg BT 441.02 65.90 Td (including ) Tj ET Q q 0 0 0 rg BT 492.52 65.90 Td (dealers, ) Tj ET Q q 0 0 0 rg BT 539.33 65.90 Td (fleet ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 51.50 Td (rental ) Tj ET Q q 0 0 0 rg BT 83.89 51.50 Td (companies, ) Tj ET Q q 0 0 0 rg BT 149.12 51.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 197.01 51.50 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 260.91 51.50 Td (and ) Tj ET Q q 0 0 0 rg BT 284.80 51.50 Td (GM, ) Tj ET Q q 0 0 0 rg BT 311.33 51.50 Td (utilized ) Tj ET Q q 0 0 0 rg BT 352.56 51.50 Td (SmartAuction ) Tj ET Q q 0 0 0 rg BT 428.45 51.50 Td (to ) Tj ET Q q 0 0 0 rg BT 442.33 51.50 Td (sell ) Tj ET Q q 0 0 0 rg BT 464.20 51.50 Td (67,000 ) Tj ET Q q 0 0 0 rg BT 504.77 51.50 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 552.00 51.50 Td (to ) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (dealers ) Tj ET Q q 0 0 0 rg BT 93.39 740.30 Td (and ) Tj ET Q q 0 0 0 rg BT 117.45 740.30 Td (other ) Tj ET Q q 0 0 0 rg BT 148.84 740.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 214.22 740.30 Td (customers. ) Tj ET Q q 0 0 0 rg BT 276.94 740.30 Td ( ) Tj ET Q q 0 0 0 rg BT 280.98 740.30 Td (SmartAuction ) Tj ET Q q 0 0 0 rg BT 357.04 740.30 Td (served ) Tj ET Q q 0 0 0 rg BT 397.10 740.30 Td (as ) Tj ET Q q 0 0 0 rg BT 413.81 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 434.53 740.30 Td (remarketing ) Tj ET Q q 0 0 0 rg BT 501.92 740.30 Td (channel ) Tj ET Q q 0 0 0 rg BT 547.99 740.30 Td (for ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 128.04 725.90 Td (35% ) Tj ET Q q 0 0 0 rg BT 155.39 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 168.07 725.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 199.03 725.90 Td (of) Tj ET Q q 0 0 0 rg BT 208.82 725.90 Td (f-lease ) Tj ET Q q 0 0 0 rg BT 248.17 725.90 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 294.86 725.90 Td (during ) Tj ET Q q 0 0 0 rg BT 331.55 725.90 Td (2012.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 699.50 Td (2.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 699.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 699.50 Td (Insurance Core Business Line) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 83.54 673.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 142.14 673.10 Td (Core ) Tj ET Q q 0 0 0 rg BT 174.06 673.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 228.66 673.10 Td (Line ) Tj ET Q q 0 0 0 rg BT 257.26 673.10 Td (of) Tj ET Q q 0 0 0 rg BT 267.05 673.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 292.96 673.10 Td (both ) Tj ET Q q 0 0 0 rg BT 322.23 673.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 380.83 673.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 425.43 673.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 484.04 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.97 673.10 Td (insurance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 658.70 Td (products ) Tj ET Q q 0 0 0 rg BT 98.24 658.70 Td (sold ) Tj ET Q q 0 0 0 rg BT 122.48 658.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 170.03 658.70 Td (through ) Tj ET Q q 0 0 0 rg BT 212.95 658.70 Td (the ) Tj ET Q q 0 0 0 rg BT 231.85 658.70 Td (automotive ) Tj ET Q q 0 0 0 rg BT 292.77 658.70 Td (dealer ) Tj ET Q q 0 0 0 rg BT 328.34 658.70 Td (channel, ) Tj ET Q q 0 0 0 rg BT 375.93 658.70 Td (and ) Tj ET Q q 0 0 0 rg BT 398.17 658.70 Td (commercial ) Tj ET Q q 0 0 0 rg BT 461.73 658.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 515.98 658.70 Td (products ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 644.30 Td (sold ) Tj ET Q q 0 0 0 rg BT 74.87 644.30 Td (directly ) Tj ET Q q 0 0 0 rg BT 115.73 644.30 Td (to ) Tj ET Q q 0 0 0 rg BT 128.59 644.30 Td (dealers. ) Tj ET Q q 0 0 0 rg BT 174.14 644.30 Td ( ) Tj ET Q q 0 0 0 rg BT 176.42 644.30 Td (As ) Tj ET Q q 0 0 0 rg BT 193.28 644.30 Td (part ) Tj ET Q q 0 0 0 rg BT 216.81 644.30 Td (of ) Tj ET Q q 0 0 0 rg BT 229.67 644.30 Td (its ) Tj ET Q q 0 0 0 rg BT 244.53 644.30 Td (focus ) Tj ET Q q 0 0 0 rg BT 276.06 644.30 Td (on ) Tj ET Q q 0 0 0 rg BT 292.26 644.30 Td (of) Tj ET Q q 0 0 0 rg BT 302.05 644.30 Td (fering ) Tj ET Q q 0 0 0 rg BT 334.93 644.30 Td (dealers ) Tj ET Q q 0 0 0 rg BT 377.14 644.30 Td (a ) Tj ET Q q 0 0 0 rg BT 386.66 644.30 Td (broad ) Tj ET Q q 0 0 0 rg BT 420.21 644.30 Td (range ) Tj ET Q q 0 0 0 rg BT 453.75 644.30 Td (of ) Tj ET Q q 0 0 0 rg BT 466.62 644.30 Td (consumer-finance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 629.90 Td (and ) Tj ET Q q 0 0 0 rg BT 74.86 629.90 Td (insurance ) Tj ET Q q 0 0 0 rg BT 131.74 629.90 Td (products, ) Tj ET Q q 0 0 0 rg BT 184.98 629.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 209.16 629.90 Td (of) Tj ET Q q 0 0 0 rg BT 218.95 629.90 Td (fers ) Tj ET Q q 0 0 0 rg BT 243.80 629.90 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 285.99 629.90 Td (service ) Tj ET Q q 0 0 0 rg BT 328.85 629.90 Td (contracts ) Tj ET Q q 0 0 0 rg BT 382.38 629.90 Td (\(") Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 390.6318359375 628.1890625 m 421.3056640625 628.1890625 l s q 0 0 0 rg BT 390.63 629.90 Td (VSCs) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 421.31 629.90 Td ("\), ) Tj ET Q q 0 0 0 rg BT 437.74 629.90 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 503.30 629.90 Td (automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 615.50 Td (protection ) Tj ET Q q 0 0 0 rg BT 106.85 615.50 Td (\(") Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 115.10302734375 613.7890625 m 140.44482421875 613.7890625 l s q 0 0 0 rg BT 115.10 615.50 Td (GAP) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 140.44 615.50 Td ("\) ) Tj ET Q q 0 0 0 rg BT 152.85 615.50 Td (products ) Tj ET Q q 0 0 0 rg BT 203.02 615.50 Td (\(which ) Tj ET Q q 0 0 0 rg BT 241.85 615.50 Td (allow ) Tj ET Q q 0 0 0 rg BT 273.34 615.50 Td (the ) Tj ET Q q 0 0 0 rg BT 294.17 615.50 Td (recovery ) Tj ET Q q 0 0 0 rg BT 344.33 615.50 Td (of ) Tj ET Q q 0 0 0 rg BT 358.49 615.50 Td (a ) Tj ET Q q 0 0 0 rg BT 369.31 615.50 Td (specified ) Tj ET Q q 0 0 0 rg BT 420.82 615.50 Td (economic ) Tj ET Q q 0 0 0 rg BT 476.32 615.50 Td (loss ) Tj ET Q q 0 0 0 rg BT 501.81 615.50 Td (beyond ) Tj ET Q q 0 0 0 rg BT 545.33 615.50 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 98.21 601.10 Td (vehicle's ) Tj ET Q q 0 0 0 rg BT 149.37 601.10 Td (value ) Tj ET Q q 0 0 0 rg BT 183.57 601.10 Td (in ) Tj ET Q q 0 0 0 rg BT 198.43 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.63 601.10 Td (event ) Tj ET Q q 0 0 0 rg BT 255.50 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.70 601.10 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 320.57 601.10 Td (is ) Tj ET Q q 0 0 0 rg BT 334.76 601.10 Td (damaged ) Tj ET Q q 0 0 0 rg BT 390.31 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.85 601.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 467.40 601.10 Td (a ) Tj ET Q q 0 0 0 rg BT 479.59 601.10 Td (total ) Tj ET Q q 0 0 0 rg BT 507.79 601.10 Td (loss\), ) Tj ET Q q 0 0 0 rg BT 541.98 601.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 586.70 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 122.77 586.70 Td (coverage. ) Tj ET Q q 0 0 0 rg BT 179.53 586.70 Td ( ) Tj ET Q q 0 0 0 rg BT 182.78 586.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 206.17 586.70 Td (also ) Tj ET Q q 0 0 0 rg BT 232.24 586.70 Td (underwrites ) Tj ET Q q 0 0 0 rg BT 298.32 586.70 Td (selected ) Tj ET Q q 0 0 0 rg BT 347.08 586.70 Td (commercial ) Tj ET Q q 0 0 0 rg BT 412.47 586.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 468.56 586.70 Td (coverages, ) Tj ET Q q 0 0 0 rg BT 531.32 586.70 Td (which ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 572.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 99.62 572.30 Td (insure ) Tj ET Q q 0 0 0 rg BT 136.60 572.30 Td (dealers' ) Tj ET Q q 0 0 0 rg BT 182.53 572.30 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 240.19 572.30 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 281.83 572.30 Td (inventory ) Tj ET Q q 0 0 0 rg BT 334.82 572.30 Td (in ) Tj ET Q q 0 0 0 rg BT 348.44 572.30 Td (the ) Tj ET Q q 0 0 0 rg BT 369.42 572.30 Td (United ) Tj ET Q q 0 0 0 rg BT 408.39 572.30 Td (States. ) Tj ET Q q 0 0 0 rg BT 450.04 572.30 Td ( ) Tj ET Q q 0 0 0 rg BT 454.05 572.30 Td (The ) Tj ET Q q 0 0 0 rg BT 479.01 572.30 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 536.00 572.30 Td (Core ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 557.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 101.73 557.90 Td (Line ) Tj ET Q q 0 0 0 rg BT 127.46 557.90 Td (had ) Tj ET Q q 0 0 0 rg BT 150.52 557.90 Td ($8.3 ) Tj ET Q q 0 0 0 rg BT 176.92 557.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 210.65 557.90 Td (of ) Tj ET Q q 0 0 0 rg BT 223.70 557.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 261.42 557.90 Td (as ) Tj ET Q q 0 0 0 rg BT 277.13 557.90 Td (of ) Tj ET Q q 0 0 0 rg BT 290.18 557.90 Td (March ) Tj ET Q q 0 0 0 rg BT 326.56 557.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 346.29 557.90 Td (2013, ) Tj ET Q q 0 0 0 rg BT 379.36 557.90 Td (and ) Tj ET Q q 0 0 0 rg BT 402.42 557.90 Td (generated ) Tj ET Q q 0 0 0 rg BT 459.51 557.90 Td ($320 ) Tj ET Q q 0 0 0 rg BT 489.24 557.90 Td (million ) Tj ET Q q 0 0 0 rg BT 526.29 557.90 Td (of ) Tj ET Q q 0 0 0 rg BT 539.34 557.90 Td (total ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 543.50 Td (net ) Tj ET Q q 0 0 0 rg BT 70.02 543.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 116.71 543.50 Td (in ) Tj ET Q q 0 0 0 rg BT 129.39 543.50 Td (the ) Tj ET Q q 0 0 0 rg BT 149.40 543.50 Td (first ) Tj ET Q q 0 0 0 rg BT 172.07 543.50 Td (quarter ) Tj ET Q q 0 0 0 rg BT 213.42 543.50 Td (of ) Tj ET Q q 0 0 0 rg BT 226.77 543.50 Td (2013.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 79.55 517.10 Td (VSCs ) Tj ET Q q 0 0 0 rg BT 112.15 517.10 Td (for ) Tj ET Q q 0 0 0 rg BT 128.08 517.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 156.02 517.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 213.29 517.10 Td (of) Tj ET Q q 0 0 0 rg BT 223.08 517.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 239.01 517.10 Td (owners ) Tj ET Q q 0 0 0 rg BT 279.62 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 301.57 517.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 344.18 517.10 Td (mechanical ) Tj ET Q q 0 0 0 rg BT 406.80 517.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 439.41 517.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 494.04 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.98 517.10 Td (roadside ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 502.70 Td (assistance ) Tj ET Q q 0 0 0 rg BT 110.84 502.70 Td (for ) Tj ET Q q 0 0 0 rg BT 129.00 502.70 Td (new ) Tj ET Q q 0 0 0 rg BT 155.16 502.70 Td (and ) Tj ET Q q 0 0 0 rg BT 179.33 502.70 Td (used ) Tj ET Q q 0 0 0 rg BT 209.50 502.70 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 257.01 502.70 Td (beyond ) Tj ET Q q 0 0 0 rg BT 300.52 502.70 Td (the ) Tj ET Q q 0 0 0 rg BT 321.36 502.70 Td (manufacturer's ) Tj ET Q q 0 0 0 rg BT 404.50 502.70 Td (new ) Tj ET Q q 0 0 0 rg BT 430.66 502.70 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 472.16 502.70 Td (warranty) Tj ET Q q 0 0 0 rg BT 517.28 502.70 Td (. ) Tj ET Q q 0 0 0 rg BT 524.77 502.70 Td ( ) Tj ET Q q 0 0 0 rg BT 528.65 502.70 Td (These ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 488.30 Td (VSCs ) Tj ET Q q 0 0 0 rg BT 84.99 488.30 Td (cover ) Tj ET Q q 0 0 0 rg BT 118.65 488.30 Td (virtually ) Tj ET Q q 0 0 0 rg BT 163.64 488.30 Td (all ) Tj ET Q q 0 0 0 rg BT 179.96 488.30 Td (makes ) Tj ET Q q 0 0 0 rg BT 219.62 488.30 Td (and ) Tj ET Q q 0 0 0 rg BT 243.96 488.30 Td (models ) Tj ET Q q 0 0 0 rg BT 286.96 488.30 Td (and ) Tj ET Q q 0 0 0 rg BT 311.29 488.30 Td (are ) Tj ET Q q 0 0 0 rg BT 332.95 488.30 Td (marketed ) Tj ET Q q 0 0 0 rg BT 387.29 488.30 Td (to ) Tj ET Q q 0 0 0 rg BT 401.61 488.30 Td (the ) Tj ET Q q 0 0 0 rg BT 422.61 488.30 Td (public ) Tj ET Q q 0 0 0 rg BT 458.28 488.30 Td (through ) Tj ET Q q 0 0 0 rg BT 503.29 488.30 Td (automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 473.90 Td (dealerships ) Tj ET Q q 0 0 0 rg BT 114.12 473.90 Td (and ) Tj ET Q q 0 0 0 rg BT 136.90 473.90 Td (on ) Tj ET Q q 0 0 0 rg BT 153.00 473.90 Td (a ) Tj ET Q q 0 0 0 rg BT 162.43 473.90 Td (direct ) Tj ET Q q 0 0 0 rg BT 194.52 473.90 Td (response ) Tj ET Q q 0 0 0 rg BT 246.64 473.90 Td (basis. ) Tj ET Q q 0 0 0 rg BT 280.74 473.90 Td ( ) Tj ET Q q 0 0 0 rg BT 282.95 473.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 305.04 473.90 Td (also ) Tj ET Q q 0 0 0 rg BT 329.80 473.90 Td (of) Tj ET Q q 0 0 0 rg BT 339.59 473.90 Td (fers ) Tj ET Q q 0 0 0 rg BT 362.35 473.90 Td (GAP) Tj ET Q q 0 0 0 rg BT 387.48 473.90 Td ( ) Tj ET Q q 0 0 0 rg BT 390.23 473.90 Td (products ) Tj ET Q q 0 0 0 rg BT 439.01 473.90 Td (in ) Tj ET Q q 0 0 0 rg BT 451.10 473.90 Td (connection ) Tj ET Q q 0 0 0 rg BT 511.90 473.90 Td (with ) Tj ET Q q 0 0 0 rg BT 535.99 473.90 Td (retail ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 459.50 Td (installment ) Tj ET Q q 0 0 0 rg BT 111.27 459.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 137.20 459.50 Td (financing. ) Tj ET Q q 0 0 0 rg BT 192.49 459.50 Td ( ) Tj ET Q q 0 0 0 rg BT 196.15 459.50 Td (T) Tj ET Q q 0 0 0 rg BT 202.81 459.50 Td (ypically) Tj ET Q q 0 0 0 rg BT 241.27 459.50 Td (, ) Tj ET Q q 0 0 0 rg BT 248.52 459.50 Td (the ) Tj ET Q q 0 0 0 rg BT 269.11 459.50 Td (customer ) Tj ET Q q 0 0 0 rg BT 322.38 459.50 Td (finances ) Tj ET Q q 0 0 0 rg BT 370.99 459.50 Td (the ) Tj ET Q q 0 0 0 rg BT 391.58 459.50 Td (cost ) Tj ET Q q 0 0 0 rg BT 417.51 459.50 Td (of ) Tj ET Q q 0 0 0 rg BT 431.43 459.50 Td (these ) Tj ET Q q 0 0 0 rg BT 464.70 459.50 Td (products, ) Tj ET Q q 0 0 0 rg BT 517.98 459.50 Td (together ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (with ) Tj ET Q q 0 0 0 rg BT 74.67 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.69 445.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 120.03 445.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.37 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.39 445.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 212.09 445.10 Td (vehicle, ) Tj ET Q q 0 0 0 rg BT 256.12 445.10 Td (under ) Tj ET Q q 0 0 0 rg BT 290.14 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.16 445.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 339.50 445.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 400.19 445.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 425.54 445.10 Td (contract.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 418.70 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 108.22 418.70 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 147.76 418.70 Td (inventory ) Tj ET Q q 0 0 0 rg BT 198.65 418.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 252.87 418.70 Td (for ) Tj ET Q q 0 0 0 rg BT 269.06 418.70 Td (dealers ) Tj ET Q q 0 0 0 rg BT 310.61 418.70 Td (provides ) Tj ET Q q 0 0 0 rg BT 358.16 418.70 Td (physical ) Tj ET Q q 0 0 0 rg BT 403.71 418.70 Td (damage ) Tj ET Q q 0 0 0 rg BT 449.26 418.70 Td (protection ) Tj ET Q q 0 0 0 rg BT 504.15 418.70 Td (for ) Tj ET Q q 0 0 0 rg BT 520.35 418.70 Td (dealers' ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 404.30 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 99.81 404.30 Td (vehicles. ) Tj ET Q q 0 0 0 rg BT 150.27 404.30 Td ( ) Tj ET Q q 0 0 0 rg BT 154.04 404.30 Td (Dealers ) Tj ET Q q 0 0 0 rg BT 199.17 404.30 Td (are ) Tj ET Q q 0 0 0 rg BT 220.29 404.30 Td (generally ) Tj ET Q q 0 0 0 rg BT 272.76 404.30 Td (required ) Tj ET Q q 0 0 0 rg BT 320.56 404.30 Td (to ) Tj ET Q q 0 0 0 rg BT 334.35 404.30 Td (maintain ) Tj ET Q q 0 0 0 rg BT 383.48 404.30 Td (such ) Tj ET Q q 0 0 0 rg BT 412.60 404.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 468.41 404.30 Td (by ) Tj ET Q q 0 0 0 rg BT 484.86 404.30 Td (their ) Tj ET Q q 0 0 0 rg BT 511.98 404.30 Td (floorplan-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 389.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 93.65 389.90 Td (provider) Tj ET Q q 0 0 0 rg BT 136.34 389.90 Td (. ) Tj ET Q q 0 0 0 rg BT 144.63 389.90 Td ( ) Tj ET Q q 0 0 0 rg BT 148.60 389.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 172.89 389.90 Td (sells ) Tj ET Q q 0 0 0 rg BT 201.85 389.90 Td (this ) Tj ET Q q 0 0 0 rg BT 225.47 389.90 Td (insurance ) Tj ET Q q 0 0 0 rg BT 282.46 389.90 Td (to ) Tj ET Q q 0 0 0 rg BT 297.42 389.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 377.08 389.90 Td (4,000 ) Tj ET Q q 0 0 0 rg BT 412.06 389.90 Td (dealers. ) Tj ET Q q 0 0 0 rg BT 459.70 389.90 Td ( ) Tj ET Q q 0 0 0 rg BT 463.67 389.90 Td (Among ) Tj ET Q q 0 0 0 rg BT 506.65 389.90 Td (franchised ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 375.50 Td (dealers ) Tj ET Q q 0 0 0 rg BT 93.76 375.50 Td (in ) Tj ET Q q 0 0 0 rg BT 107.51 375.50 Td (the ) Tj ET Q q 0 0 0 rg BT 128.60 375.50 Td (United ) Tj ET Q q 0 0 0 rg BT 167.69 375.50 Td (States ) Tj ET Q q 0 0 0 rg BT 206.12 375.50 Td (to ) Tj ET Q q 0 0 0 rg BT 220.53 375.50 Td (whom ) Tj ET Q q 0 0 0 rg BT 256.08 375.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 279.82 375.50 Td (provides ) Tj ET Q q 0 0 0 rg BT 329.58 375.50 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 380.02 375.50 Td (financing, ) Tj ET Q q 0 0 0 rg BT 435.80 375.50 Td (its ) Tj ET Q q 0 0 0 rg BT 452.20 375.50 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 509.98 375.50 Td (insurance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (product ) Tj ET Q q 0 0 0 rg BT 93.24 361.10 Td (penetration ) Tj ET Q q 0 0 0 rg BT 156.49 361.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 180.38 361.10 Td (is ) Tj ET Q q 0 0 0 rg BT 192.26 361.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 270.17 361.10 Td (80%. ) Tj ET Q q 0 0 0 rg BT 300.73 361.10 Td ( ) Tj ET Q q 0 0 0 rg BT 303.94 361.10 Td (Dealers ) Tj ET Q q 0 0 0 rg BT 348.50 361.10 Td (who ) Tj ET Q q 0 0 0 rg BT 373.73 361.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 415.62 361.10 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 464.86 361.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 516.11 361.10 Td (from ) Tj ET Q q 0 0 0 rg BT 542.68 361.10 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 346.70 Td (are ) Tj ET Q q 0 0 0 rg BT 70.68 346.70 Td (eligible ) Tj ET Q q 0 0 0 rg BT 111.37 346.70 Td (to ) Tj ET Q q 0 0 0 rg BT 124.71 346.70 Td (participate ) Tj ET Q q 0 0 0 rg BT 183.41 346.70 Td (in ) Tj ET Q q 0 0 0 rg BT 196.09 346.70 Td (the ) Tj ET Q q 0 0 0 rg BT 215.44 346.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 238.11 346.70 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 294.81 346.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 350.18 346.70 Td (program.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 320.30 Td (As ) Tj ET Q q 0 0 0 rg BT 67.44 320.30 Td (typical ) Tj ET Q q 0 0 0 rg BT 104.89 320.30 Td (for ) Tj ET Q q 0 0 0 rg BT 122.34 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 142.46 320.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 197.92 320.30 Td (business, ) Tj ET Q q 0 0 0 rg BT 252.06 320.30 Td (a ) Tj ET Q q 0 0 0 rg BT 262.17 320.30 Td (significant ) Tj ET Q q 0 0 0 rg BT 318.97 320.30 Td (aspect ) Tj ET Q q 0 0 0 rg BT 357.76 320.30 Td (of ) Tj ET Q q 0 0 0 rg BT 370.53 320.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 401.59 320.30 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 457.73 320.30 Td (Core ) Tj ET Q q 0 0 0 rg BT 487.18 320.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 539.30 320.30 Td (Line ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 305.90 Td (involves ) Tj ET Q q 0 0 0 rg BT 96.81 305.90 Td (the ) Tj ET Q q 0 0 0 rg BT 116.96 305.90 Td (investment ) Tj ET Q q 0 0 0 rg BT 178.44 305.90 Td (of ) Tj ET Q q 0 0 0 rg BT 191.91 305.90 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 244.74 305.90 Td (from ) Tj ET Q q 0 0 0 rg BT 272.20 305.90 Td (premiums ) Tj ET Q q 0 0 0 rg BT 328.34 305.90 Td (and ) Tj ET Q q 0 0 0 rg BT 351.82 305.90 Td (other ) Tj ET Q q 0 0 0 rg BT 382.63 305.90 Td (revenue ) Tj ET Q q 0 0 0 rg BT 429.46 305.90 Td (sources. ) Tj ET Q q 0 0 0 rg BT 478.27 305.90 Td ( ) Tj ET Q q 0 0 0 rg BT 481.04 305.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 503.84 305.90 Td (uses ) Tj ET Q q 0 0 0 rg BT 532.65 305.90 Td (these ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 291.50 Td (investments ) Tj ET Q q 0 0 0 rg BT 116.69 291.50 Td (to ) Tj ET Q q 0 0 0 rg BT 129.36 291.50 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 166.03 291.50 Td (its ) Tj ET Q q 0 0 0 rg BT 180.69 291.50 Td (obligations ) Tj ET Q q 0 0 0 rg BT 240.73 291.50 Td (when ) Tj ET Q q 0 0 0 rg BT 272.08 291.50 Td (future ) Tj ET Q q 0 0 0 rg BT 305.43 291.50 Td (claims ) Tj ET Q q 0 0 0 rg BT 342.10 291.50 Td (are ) Tj ET Q q 0 0 0 rg BT 362.10 291.50 Td (settled. ) Tj ET Q q 0 0 0 rg BT 403.46 291.50 Td ( ) Tj ET Q q 0 0 0 rg BT 405.95 291.50 Td (The ) Tj ET Q q 0 0 0 rg BT 429.29 291.50 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 484.65 291.50 Td (Core ) Tj ET Q q 0 0 0 rg BT 513.32 291.50 Td (Business ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (Line ) Tj ET Q q 0 0 0 rg BT 75.39 277.10 Td (is ) Tj ET Q q 0 0 0 rg BT 86.75 277.10 Td (guided ) Tj ET Q q 0 0 0 rg BT 125.49 277.10 Td (by ) Tj ET Q q 0 0 0 rg BT 140.86 277.10 Td (an ) Tj ET Q q 0 0 0 rg BT 156.91 277.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 218.30 277.10 Td (Committee, ) Tj ET Q q 0 0 0 rg BT 282.35 277.10 Td (which ) Tj ET Q q 0 0 0 rg BT 315.72 277.10 Td (develops ) Tj ET Q q 0 0 0 rg BT 366.46 277.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 427.18 277.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 483.92 277.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.64 277.10 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 565.34 277.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 262.70 Td (The ) Tj ET Q q 0 0 0 rg BT 74.83 262.70 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 133.02 262.70 Td (established ) Tj ET Q q 0 0 0 rg BT 197.88 262.70 Td (by ) Tj ET Q q 0 0 0 rg BT 214.71 262.70 Td (this ) Tj ET Q q 0 0 0 rg BT 237.53 262.70 Td (committee ) Tj ET Q q 0 0 0 rg BT 297.03 262.70 Td (reflect ) Tj ET Q q 0 0 0 rg BT 333.04 262.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 364.81 262.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 387.63 262.70 Td (tolerance, ) Tj ET Q q 0 0 0 rg BT 444.48 262.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 488.65 262.70 Td (requirements, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 248.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 106.70 248.30 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 183.39 248.30 Td (and ) Tj ET Q q 0 0 0 rg BT 206.75 248.30 Td (rating ) Tj ET Q q 0 0 0 rg BT 240.10 248.30 Td (agency ) Tj ET Q q 0 0 0 rg BT 282.13 248.30 Td (considerations, ) Tj ET Q q 0 0 0 rg BT 366.18 248.30 Td (among ) Tj ET Q q 0 0 0 rg BT 406.20 248.30 Td (other ) Tj ET Q q 0 0 0 rg BT 436.89 248.30 Td (factors.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 221.90 Td (3.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 221.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 221.90 Td (Direct Banking Core Business Line) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 195.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.52 195.50 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 113.34 195.50 Td (Direct ) Tj ET Q q 0 0 0 rg BT 148.86 195.50 Td (Banking ) Tj ET Q q 0 0 0 rg BT 196.40 195.50 Td (Core ) Tj ET Q q 0 0 0 rg BT 226.59 195.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 279.46 195.50 Td (Line ) Tj ET Q q 0 0 0 rg BT 306.33 195.50 Td (raises ) Tj ET Q q 0 0 0 rg BT 342.52 195.50 Td (deposits ) Tj ET Q q 0 0 0 rg BT 391.40 195.50 Td (directly ) Tj ET Q q 0 0 0 rg BT 433.59 195.50 Td (from ) Tj ET Q q 0 0 0 rg BT 461.77 195.50 Td (customers ) Tj ET Q q 0 0 0 rg BT 521.30 195.50 Td (through ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 82.99 181.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 128.68 181.10 Td (via ) Tj ET Q q 0 0 0 rg BT 147.67 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.00 181.10 Td (internet, ) Tj ET Q q 0 0 0 rg BT 215.01 181.10 Td (telephone, ) Tj ET Q q 0 0 0 rg BT 274.71 181.10 Td (mobile, ) Tj ET Q q 0 0 0 rg BT 317.04 181.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.71 181.10 Td (mail ) Tj ET Q q 0 0 0 rg BT 366.37 181.10 Td (channels. ) Tj ET Q q 0 0 0 rg BT 421.39 181.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.31 181.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 447.30 181.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 478.30 181.10 Td (has ) Tj ET Q q 0 0 0 rg BT 501.30 181.10 Td (established ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 166.70 Td (a ) Tj ET Q q 0 0 0 rg BT 59.81 166.70 Td (strong ) Tj ET Q q 0 0 0 rg BT 96.30 166.70 Td (and ) Tj ET Q q 0 0 0 rg BT 119.46 166.70 Td (growing ) Tj ET Q q 0 0 0 rg BT 164.62 166.70 Td (retail ) Tj ET Q q 0 0 0 rg BT 193.77 166.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 238.94 166.70 Td (franchise ) Tj ET Q q 0 0 0 rg BT 290.77 166.70 Td (that ) Tj ET Q q 0 0 0 rg BT 313.92 166.70 Td (is ) Tj ET Q q 0 0 0 rg BT 325.72 166.70 Td (based ) Tj ET Q q 0 0 0 rg BT 361.56 166.70 Td (on ) Tj ET Q q 0 0 0 rg BT 378.04 166.70 Td (a ) Tj ET Q q 0 0 0 rg BT 387.85 166.70 Td (promise ) Tj ET Q q 0 0 0 rg BT 433.67 166.70 Td (of ) Tj ET Q q 0 0 0 rg BT 446.81 166.70 Td (being ) Tj ET Q q 0 0 0 rg BT 479.31 166.70 Td (straightforward, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 152.30 Td (easy ) Tj ET Q q 0 0 0 rg BT 79.32 152.30 Td (to ) Tj ET Q q 0 0 0 rg BT 93.30 152.30 Td (use, ) Tj ET Q q 0 0 0 rg BT 119.95 152.30 Td (and ) Tj ET Q q 0 0 0 rg BT 143.94 152.30 Td (customer-service ) Tj ET Q q 0 0 0 rg BT 239.27 152.30 Td (oriented. ) Tj ET Q q 0 0 0 rg BT 289.94 152.30 Td ( ) Tj ET Q q 0 0 0 rg BT 293.12 152.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 316.42 152.30 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 356.04 152.30 Td (products ) Tj ET Q q 0 0 0 rg BT 406.03 152.30 Td (and ) Tj ET Q q 0 0 0 rg BT 430.03 152.30 Td (services ) Tj ET Q q 0 0 0 rg BT 478.01 152.30 Td (are ) Tj ET Q q 0 0 0 rg BT 499.32 152.30 Td (designed ) Tj ET Q q 0 0 0 rg BT 552.00 152.30 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 137.90 Td (develop ) Tj ET Q q 0 0 0 rg BT 94.79 137.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 148.23 137.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 200.33 137.90 Td (relationships ) Tj ET Q q 0 0 0 rg BT 270.46 137.90 Td (and ) Tj ET Q q 0 0 0 rg BT 293.24 137.90 Td (capitalize ) Tj ET Q q 0 0 0 rg BT 346.02 137.90 Td (on ) Tj ET Q q 0 0 0 rg BT 362.13 137.90 Td (the ) Tj ET Q q 0 0 0 rg BT 381.56 137.90 Td (shift ) Tj ET Q q 0 0 0 rg BT 406.33 137.90 Td (in ) Tj ET Q q 0 0 0 rg BT 418.42 137.90 Td (consumer ) Tj ET Q q 0 0 0 rg BT 473.87 137.90 Td (preference ) Tj ET Q q 0 0 0 rg BT 533.99 137.90 Td (away ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 123.50 Td (from ) Tj ET Q q 0 0 0 rg BT 77.08 123.50 Td (branch ) Tj ET Q q 0 0 0 rg BT 116.85 123.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 161.96 123.50 Td (in ) Tj ET Q q 0 0 0 rg BT 174.38 123.50 Td (favor ) Tj ET Q q 0 0 0 rg BT 204.14 123.50 Td (of ) Tj ET Q q 0 0 0 rg BT 217.22 123.50 Td (direct ) Tj ET Q q 0 0 0 rg BT 249.65 123.50 Td (banking. ) Tj ET Q q 0 0 0 rg BT 298.09 123.50 Td ( ) Tj ET Q q 0 0 0 rg BT 301.17 123.50 Td (On ) Tj ET Q q 0 0 0 rg BT 320.26 123.50 Td (March31, ) Tj ET Q q 0 0 0 rg BT 376.69 123.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 409.19 123.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 431.60 123.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 462.03 123.50 Td (had ) Tj ET Q q 0 0 0 rg BT 485.13 123.50 Td ($49.5 ) Tj ET Q q 0 0 0 rg BT 518.24 123.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 552.01 123.50 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (external ) Tj ET Q q 0 0 0 rg BT 96.51 109.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 148.37 109.10 Td (including ) Tj ET Q q 0 0 0 rg BT 199.55 109.10 Td ($38.8 ) Tj ET Q q 0 0 0 rg BT 233.41 109.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 267.91 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.74 109.10 Td (retail ) Tj ET Q q 0 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 174 m 421 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 174 m 429 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429 174 m 469 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469 174 m 478 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 174 m 486 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 174 m 496 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496 174 m 536 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536 174 m 545 174 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 66 161 m 414 161 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 414 161 m 421 161 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 421 161 m 429 161 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429 161 m 469 161 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469 161 m 478 161 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 161 m 486 161 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486 161 m 496 161 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496 161 m 536 161 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536 161 m 545 161 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 655.46 Td (\($ ) Tj ET Q q 0 0 0 rg BT 78.25 655.46 Td (in ) Tj ET Q q 0 0 0 rg BT 87.50 655.46 Td (millions\)) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 429.30 664.45 Td (March31,) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.00 655.45 Td (2013) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 488.80 664.45 Td (December31,) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 506.00 655.45 Td (2012) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 68.50 642.40 Td (Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 629.26 Td (Cash ) Tj ET Q q 0 0 0 rg BT 88.75 629.26 Td (and ) Tj ET Q q 0 0 0 rg BT 103.99 629.26 Td (cash ) Tj ET Q q 0 0 0 rg BT 122.24 629.26 Td (equivalents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 616.26 Td (Noninterest-bearing) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 421.00 616.40 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 616.40 Td (1,043) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 616.26 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 616.26 Td (1,073) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 603.26 Td (Interest-bearing) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 603.40 Td (6,394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 603.26 Td (6,440) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 590.26 Td (T) Tj ET Q q 0 0 0 rg BT 73.68 590.26 Td (otal ) Tj ET Q q 0 0 0 rg BT 89.11 590.26 Td (cash ) Tj ET Q q 0 0 0 rg BT 107.36 590.26 Td (and ) Tj ET Q q 0 0 0 rg BT 122.60 590.26 Td (cash ) Tj ET Q q 0 0 0 rg BT 140.84 590.26 Td (equivalents) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 590.40 Td (7,437) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 590.26 Td (7,513) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 577.26 Td (Investment ) Tj ET Q q 0 0 0 rg BT 110.74 577.26 Td (securities) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 577.40 Td (15,752) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 577.26 Td (14,178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 564.26 Td (Loans ) Tj ET Q q 0 0 0 rg BT 92.74 564.26 Td (held-for) Tj ET Q q 0 0 0 rg BT 121.64 564.26 Td (-sale, ) Tj ET Q q 0 0 0 rg BT 143.04 564.26 Td (net ) Tj ET Q q 0 0 0 rg BT 156.29 564.26 Td (\($701 ) Tj ET Q q 0 0 0 rg BT 179.53 564.26 Td (and ) Tj ET Q q 0 0 0 rg BT 194.78 564.26 Td ($2,490 ) Tj ET Q q 0 0 0 rg BT 221.78 564.26 Td (fair ) Tj ET Q q 0 0 0 rg BT 236.52 564.26 Td (value-elected\)) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 452.00 564.40 Td (718) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 564.26 Td (2,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 551.26 Td (Finance ) Tj ET Q q 0 0 0 rg BT 99.24 551.26 Td (receivables ) Tj ET Q q 0 0 0 rg BT 141.96 551.26 Td (and ) Tj ET Q q 0 0 0 rg BT 157.21 551.26 Td (loans, ) Tj ET Q q 0 0 0 rg BT 180.71 551.26 Td (net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 538.26 Td (Finance ) Tj ET Q q 0 0 0 rg BT 99.24 538.26 Td (receivables ) Tj ET Q q 0 0 0 rg BT 141.96 538.26 Td (and ) Tj ET Q q 0 0 0 rg BT 157.21 538.26 Td (loans, ) Tj ET Q q 0 0 0 rg BT 180.71 538.26 Td (net) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 538.40 Td (99,123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 538.26 Td (99,055) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 525.26 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 109.73 525.26 Td (for ) Tj ET Q q 0 0 0 rg BT 122.48 525.26 Td (loan ) Tj ET Q q 0 0 0 rg BT 140.22 525.26 Td (losses) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 442.25 525.40 Td (\(1,197) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 465.50 525.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.25 525.26 Td (\(1,170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.50 525.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 512.26 Td (T) Tj ET Q q 0 0 0 rg BT 73.68 512.26 Td (otal ) Tj ET Q q 0 0 0 rg BT 89.11 512.26 Td (finance ) Tj ET Q q 0 0 0 rg BT 117.85 512.26 Td (receivables ) Tj ET Q q 0 0 0 rg BT 160.57 512.26 Td (and ) Tj ET Q q 0 0 0 rg BT 175.81 512.26 Td (loans, ) Tj ET Q q 0 0 0 rg BT 199.31 512.26 Td (net) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 512.40 Td (97,926) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 512.26 Td (97,885) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 499.26 Td (Investment ) Tj ET Q q 0 0 0 rg BT 110.74 499.26 Td (in ) Tj ET Q q 0 0 0 rg BT 119.99 499.26 Td (operating ) Tj ET Q q 0 0 0 rg BT 156.23 499.26 Td (leases, ) Tj ET Q q 0 0 0 rg BT 182.22 499.26 Td (net) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 499.40 Td (14,828) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 499.26 Td (13,550) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 486.26 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 105.74 486.26 Td (servicing ) Tj ET Q q 0 0 0 rg BT 140.98 486.26 Td (rights) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 452.00 486.40 Td (917) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.00 486.26 Td (952) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 473.26 Td (Premiums ) Tj ET Q q 0 0 0 rg BT 107.25 473.26 Td (receivable ) Tj ET Q q 0 0 0 rg BT 146.47 473.26 Td (and ) Tj ET Q q 0 0 0 rg BT 161.72 473.26 Td (other ) Tj ET Q q 0 0 0 rg BT 182.46 473.26 Td (insurance ) Tj ET Q q 0 0 0 rg BT 219.19 473.26 Td (assets) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 473.40 Td (1,608) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 473.26 Td (1,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 460.26 Td (Other ) Tj ET Q q 0 0 0 rg BT 91.24 460.26 Td (assets) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 460.40 Td (7,950) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 460.26 Td (11,908) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 447.26 Td (Assets ) Tj ET Q q 0 0 0 rg BT 94.25 447.26 Td (of ) Tj ET Q q 0 0 0 rg BT 104.00 447.26 Td (operations ) Tj ET Q q 0 0 0 rg BT 143.74 447.26 Td (held-for) Tj ET Q q 0 0 0 rg BT 172.63 447.26 Td (-sale) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 447.40 Td (19,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 447.26 Td (32,176) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 425.46 Td (T) Tj ET Q q 0 0 0 rg BT 73.68 425.46 Td (otal ) Tj ET Q q 0 0 0 rg BT 89.11 425.46 Td (assets) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 421.00 425.45 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 436.25 425.45 Td (166,199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 425.46 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.25 425.46 Td (182,347) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 68.50 412.40 Td (Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 399.26 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 98.75 399.26 Td (liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 386.26 Td (Noninterest-bearing) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 421.00 386.40 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 452.00 386.40 Td (844) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 386.26 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 386.26 Td (1,977) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 373.26 Td (Interest-bearing) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 373.40 Td (49,482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 373.26 Td (45,938) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 360.26 Td (T) Tj ET Q q 0 0 0 rg BT 73.68 360.26 Td (otal ) Tj ET Q q 0 0 0 rg BT 89.11 360.26 Td (deposit ) Tj ET Q q 0 0 0 rg BT 117.36 360.26 Td (liabilities) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 360.40 Td (50,326) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 360.26 Td (47,915) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 347.26 Td (Short-term ) Tj ET Q q 0 0 0 rg BT 109.74 347.26 Td (borrowings) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 347.40 Td (7,618) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 347.26 Td (7,461) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 334.26 Td (Long-term ) Tj ET Q q 0 0 0 rg BT 109.24 334.26 Td (debt) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 334.40 Td (67,621) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 334.26 Td (74,561) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 321.26 Td (Interest ) Tj ET Q q 0 0 0 rg BT 97.74 321.26 Td (payable) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 452.00 321.40 Td (972) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.00 321.26 Td (932) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 308.26 Td (Unearned ) Tj ET Q q 0 0 0 rg BT 105.73 308.26 Td (insurance ) Tj ET Q q 0 0 0 rg BT 142.46 308.26 Td (premiums ) Tj ET Q q 0 0 0 rg BT 180.71 308.26 Td (and ) Tj ET Q q 0 0 0 rg BT 195.95 308.26 Td (service ) Tj ET Q q 0 0 0 rg BT 223.69 308.26 Td (revenue) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 308.40 Td (2,286) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 308.26 Td (2,296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 295.26 Td (Accrued ) Tj ET Q q 0 0 0 rg BT 101.23 295.26 Td (expenses ) Tj ET Q q 0 0 0 rg BT 135.97 295.26 Td (and ) Tj ET Q q 0 0 0 rg BT 151.21 295.26 Td (other ) Tj ET Q q 0 0 0 rg BT 171.96 295.26 Td (liabilities) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 295.40 Td (3,669) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 295.26 Td (6,585) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 282.26 Td (Liabilities ) Tj ET Q q 0 0 0 rg BT 107.24 282.26 Td (of ) Tj ET Q q 0 0 0 rg BT 116.99 282.26 Td (operations ) Tj ET Q q 0 0 0 rg BT 156.73 282.26 Td (held-for) Tj ET Q q 0 0 0 rg BT 185.63 282.26 Td (-sale) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 282.40 Td (13,233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 282.26 Td (22,699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 269.26 Td (T) Tj ET Q q 0 0 0 rg BT 73.68 269.26 Td (otal ) Tj ET Q q 0 0 0 rg BT 89.11 269.26 Td (liabilities) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 436.25 269.40 Td (145,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.25 269.26 Td (162,449) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 68.50 256.40 Td (Equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 243.26 Td (Common ) Tj ET Q q 0 0 0 rg BT 104.25 243.26 Td (stock ) Tj ET Q q 0 0 0 rg BT 125.50 243.26 Td (and ) Tj ET Q q 0 0 0 rg BT 140.75 243.26 Td (paid-in ) Tj ET Q q 0 0 0 rg BT 168.49 243.26 Td (capital) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 243.40 Td (19,668) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 243.26 Td (19,668) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 230.26 Td (Mandatorily ) Tj ET Q q 0 0 0 rg BT 115.24 230.26 Td (convertible ) Tj ET Q q 0 0 0 rg BT 157.97 230.26 Td (preferred ) Tj ET Q q 0 0 0 rg BT 193.19 230.26 Td (stock ) Tj ET Q q 0 0 0 rg BT 214.44 230.26 Td (held ) Tj ET Q q 0 0 0 rg BT 232.19 230.26 Td (by ) Tj ET Q q 0 0 0 rg BT 243.44 230.26 Td (U.S.Department ) Tj ET Q q 0 0 0 rg BT 306.42 230.26 Td (of ) Tj ET Q q 0 0 0 rg BT 316.09 230.26 Td (T) Tj ET Q q 0 0 0 rg BT 321.35 230.26 Td (reasury) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 230.40 Td (5,685) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 230.26 Td (5,685) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 217.26 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 104.23 217.26 Td (stock) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 445.25 217.40 Td (1,255) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 217.26 Td (1,255) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 204.26 Td (Accumulated ) Tj ET Q q 0 0 0 rg BT 118.73 204.26 Td (deficit) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 442.25 204.40 Td (\(6,128) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 465.50 204.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.25 204.26 Td (\(7,021) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.50 204.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 191.26 Td (Accumulated ) Tj ET Q q 0 0 0 rg BT 118.73 191.26 Td (other ) Tj ET Q q 0 0 0 rg BT 139.47 191.26 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 196.20 191.26 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 218.45 191.26 Td (income) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 458.00 191.40 Td (\(6) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 465.50 191.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.00 191.26 Td (311) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 178.26 Td (T) Tj ET Q q 0 0 0 rg BT 73.68 178.26 Td (otal ) Tj ET Q q 0 0 0 rg BT 89.11 178.26 Td (equity) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 440.75 178.40 Td (20,474) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 178.26 Td (19,898) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.50 165.26 Td (T) Tj ET Q q 0 0 0 rg BT 73.37 165.26 Td (otal ) Tj ET Q q 0 0 0 rg BT 89.11 165.26 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 124.86 165.26 Td (and ) Tj ET Q q 0 0 0 rg BT 140.10 165.26 Td (equity) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 421.00 165.40 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 436.25 165.40 Td (166,199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 165.26 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.25 165.26 Td (182,347) Tj ET Q BT /F2 10.00 Tf ET BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 144.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.78 144.70 Td (Notes ) Tj ET Q q 0 0 0 rg BT 93.56 144.70 Td (to ) Tj ET Q q 0 0 0 rg BT 103.34 144.70 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 151.65 144.70 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 206.46 144.70 Td (Financial ) Tj ET Q q 0 0 0 rg BT 244.75 144.70 Td (Statements ) Tj ET Q q 0 0 0 rg BT 292.54 144.70 Td (\(unaudited\) ) Tj ET Q q 0 0 0 rg BT 340.35 144.70 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 400.35 144.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 423.34 144.70 Td (unaudited ) Tj ET Q q 0 0 0 rg BT 465.15 144.70 Td (condensed ) Tj ET Q q 0 0 0 rg BT 511.46 144.70 Td (consolidated ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 133.90 Td (balance ) Tj ET Q q 0 0 0 rg BT 84.57 133.90 Td (sheet ) Tj ET Q q 0 0 0 rg BT 109.63 133.90 Td (in ) Tj ET Q q 0 0 0 rg BT 119.68 133.90 Td (this ) Tj ET Q q 0 0 0 rg BT 136.73 133.90 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 182.30 133.90 Td (Plan ) Tj ET Q q 0 0 0 rg BT 203.36 133.90 Td (and ) Tj ET Q q 0 0 0 rg BT 221.42 133.90 Td (its ) Tj ET Q q 0 0 0 rg BT 233.47 133.90 Td (1Q ) Tj ET Q q 0 0 0 rg BT 248.52 133.90 Td (2013 ) Tj ET Q q 0 0 0 rg BT 271.58 133.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 295.63 133.90 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 318.68 133.90 Td (are ) Tj ET Q q 0 0 0 rg BT 334.73 133.90 Td (an ) Tj ET Q q 0 0 0 rg BT 347.79 133.90 Td (integral ) Tj ET Q q 0 0 0 rg BT 380.35 133.90 Td (part ) Tj ET Q q 0 0 0 rg BT 398.90 133.90 Td (of ) Tj ET Q q 0 0 0 rg BT 409.05 133.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 432.81 133.90 Td (unaudited ) Tj ET Q q 0 0 0 rg BT 475.40 133.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 528.98 133.90 Td (financial ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 123.10 Td (statements.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 96.70 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 118.67 96.70 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 198.01 96.70 Td (Statement ) Tj ET Q q 0 0 0 rg BT 259.36 96.70 Td (of ) Tj ET Q q 0 0 0 rg BT 274.02 96.70 Td (Income ) Tj ET Q q 0 0 0 rg BT 319.36 96.70 Td (\(unaudited\)) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 70.30 Td (The ) Tj ET Q q 0 0 0 rg BT 73.18 70.30 Td (following ) Tj ET Q q 0 0 0 rg BT 122.38 70.30 Td (table ) Tj ET Q q 0 0 0 rg BT 150.91 70.30 Td (presents ) Tj ET Q q 0 0 0 rg BT 198.95 70.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 229.08 70.30 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 298.97 70.30 Td (statement ) Tj ET Q q 0 0 0 rg BT 354.17 70.30 Td (of ) Tj ET Q q 0 0 0 rg BT 366.69 70.30 Td (income ) Tj ET Q q 0 0 0 rg BT 407.88 70.30 Td (\(unaudited\) ) Tj ET Q q 0 0 0 rg BT 471.09 70.30 Td (from ) Tj ET Q q 0 0 0 rg BT 497.60 70.30 Td (the ) Tj ET Q q 0 0 0 rg BT 516.79 70.30 Td (1Q ) Tj ET Q q 0 0 0 rg BT 535.30 70.30 Td (2013 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 55.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 81.33 55.90 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 111.34 55.90 Td (for ) Tj ET Q q 0 0 0 rg BT 128.68 55.90 Td (the ) Tj ET Q q 0 0 0 rg BT 148.70 55.90 Td (three ) Tj ET Q q 0 0 0 rg BT 179.38 55.90 Td (months ) Tj ET Q q 0 0 0 rg BT 222.07 55.90 Td (ended ) Tj ET Q q 0 0 0 rg BT 258.77 55.90 Td (March ) Tj ET Q q 0 0 0 rg BT 295.44 55.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 315.46 55.90 Td (2013:) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 726.5 m 446 726.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 726.5 m 479 726.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479 726.5 m 485 726.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 726.5 m 492 726.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 726.5 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J 0 j 3 M 428 713.5 m 435 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 713.5 m 446 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 713.5 m 479 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479 713.5 m 485 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 713.5 m 492 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 713.5 m 499 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 713.5 m 510 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510 713.5 m 544 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 544 713.5 m 550 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 550 713.5 m 557 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 622.5 m 446 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 622.5 m 479 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479 622.5 m 485 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 622.5 m 492 622.5 l s 0 0 0 RG /GS0 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622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 544 622.5 m 550 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 550 622.5 m 557 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 557.5 m 446 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 557.5 m 479 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479 557.5 m 485 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 557.5 m 492 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 557.5 m 499 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 557.5 m 510 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510 557.5 m 544 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 544 557.5 m 550 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 550 557.5 m 557 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54 557.5 m 428 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 557.5 m 435 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 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w 0 i [] 0 d 0 J 0 j 3 M 499 531.5 m 510 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510 531.5 m 544 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 544 531.5 m 550 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 550 531.5 m 557 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54 531.5 m 428 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 531.5 m 435 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 531.5 m 446 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 531.5 m 479 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479 531.5 m 485 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 531.5 m 492 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 531.5 m 499 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 531.5 m 510 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510 531.5 m 544 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 544 531.5 m 550 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 550 531.5 m 557 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 479.5 m 446 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 479.5 m 479 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479 479.5 m 485 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 479.5 m 492 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 479.5 m 499 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 479.5 m 510 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510 479.5 m 544 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 544 479.5 m 550 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 550 479.5 m 557 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 54 479.5 m 428 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 479.5 m 435 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 479.5 m 446 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 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ET q 0 0 0 rg BT 459.00 470.90 Td (\(119) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 475.50 470.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.50 470.76 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 457.76 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 93.73 457.76 Td (premiums ) Tj ET Q q 0 0 0 rg BT 131.98 457.76 Td (and ) Tj ET Q q 0 0 0 rg BT 147.22 457.76 Td (service ) Tj ET Q q 0 0 0 rg BT 174.95 457.76 Td (revenue ) Tj ET Q q 0 0 0 rg BT 205.69 457.76 Td (earned) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 457.90 Td (259) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 457.76 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 444.76 Td (Gain ) Tj ET Q q 0 0 0 rg BT 76.24 444.76 Td (on ) Tj ET Q q 0 0 0 rg BT 87.49 444.76 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 123.73 444.76 Td (and ) Tj ET Q q 0 0 0 rg BT 138.98 444.76 Td (automotive ) Tj ET Q q 0 0 0 rg BT 181.72 444.76 Td (loans, ) Tj ET Q q 0 0 0 rg BT 205.22 444.76 Td (net) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 466.50 444.90 Td (38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.50 444.76 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 431.76 Td (Other ) Tj ET Q q 0 0 0 rg BT 79.24 431.76 Td (gain ) Tj ET Q q 0 0 0 rg BT 96.99 431.76 Td (on ) Tj ET Q q 0 0 0 rg BT 108.24 431.76 Td (investments, ) Tj ET Q q 0 0 0 rg BT 155.73 431.76 Td (net) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 466.50 431.90 Td (51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.50 431.76 Td (89) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 418.76 Td (Other ) Tj ET Q q 0 0 0 rg BT 79.24 418.76 Td (income, ) Tj ET Q q 0 0 0 rg BT 110.23 418.76 Td (net ) Tj ET Q q 0 0 0 rg BT 123.48 418.76 Td (of ) Tj ET Q q 0 0 0 rg BT 133.22 418.76 Td (losses) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 418.90 Td (157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 418.76 Td (210) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 405.76 Td (T) Tj ET Q q 0 0 0 rg BT 61.68 405.76 Td (otal ) Tj ET Q q 0 0 0 rg BT 77.11 405.76 Td (other ) Tj ET Q q 0 0 0 rg BT 97.86 405.76 Td (revenue) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 405.90 Td (386) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 405.76 Td (605) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 56.50 392.90 Td (T) Tj ET Q q 0 0 0 rg BT 62.09 392.90 Td (otal ) Tj ET Q q 0 0 0 rg BT 78.42 392.90 Td (net ) Tj ET Q q 0 0 0 rg BT 92.67 392.90 Td (r) Tj ET Q q 0 0 0 rg BT 96.58 392.90 Td (evenue) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 455.25 392.90 Td (1,026) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 392.76 Td (956) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 56.50 379.90 Td (Pr) Tj ET Q q 0 0 0 rg BT 65.91 379.90 Td (ovision ) Tj ET Q q 0 0 0 rg BT 95.09 379.90 Td (for) Tj ET Q q 0 0 0 rg BT 106.50 379.90 Td ( ) Tj ET Q q 0 0 0 rg BT 108.67 379.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 127.42 379.90 Td (losses) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 379.90 Td (131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.50 379.76 Td (98) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 56.50 366.90 Td (Noninter) Tj ET Q q 0 0 0 rg BT 90.92 366.90 Td (est ) Tj ET Q q 0 0 0 rg BT 103.58 366.90 Td (expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 353.76 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 110.75 353.76 Td (and ) Tj ET Q q 0 0 0 rg BT 125.99 353.76 Td (benefits ) Tj ET Q q 0 0 0 rg BT 156.73 353.76 Td (expense) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 353.90 Td (285) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 353.76 Td (303) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 340.76 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 93.73 340.76 Td (losses ) Tj ET Q q 0 0 0 rg BT 117.48 340.76 Td (and ) Tj ET Q q 0 0 0 rg BT 132.73 340.76 Td (loss ) Tj ET Q q 0 0 0 rg BT 148.98 340.76 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 190.73 340.76 Td (expenses) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 340.90 Td (115) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.50 340.76 Td (98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 327.76 Td (Other ) Tj ET Q q 0 0 0 rg BT 79.24 327.76 Td (operating ) Tj ET Q q 0 0 0 rg BT 115.48 327.76 Td (expenses) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 327.90 Td (558) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 327.76 Td (454) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 314.76 Td (T) Tj ET Q q 0 0 0 rg BT 61.68 314.76 Td (otal ) Tj ET Q q 0 0 0 rg BT 77.11 314.76 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 119.35 314.76 Td (expense) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 314.90 Td (958) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 314.76 Td (855) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 56.50 301.90 Td (\(Loss\) ) Tj ET Q q 0 0 0 rg BT 82.25 301.90 Td (income ) Tj ET Q q 0 0 0 rg BT 111.99 301.90 Td (fr) Tj ET Q q 0 0 0 rg BT 118.90 301.90 Td (om ) Tj ET Q q 0 0 0 rg BT 133.07 301.90 Td (continuing ) Tj ET Q q 0 0 0 rg BT 176.33 301.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 219.08 301.90 Td (befor) Tj ET Q q 0 0 0 rg BT 239.49 301.90 Td (e ) Tj ET Q q 0 0 0 rg BT 245.66 301.90 Td (income ) Tj ET Q q 0 0 0 rg BT 275.40 301.90 Td (tax ) Tj ET Q q 0 0 0 rg BT 289.65 301.90 Td (expense) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 463.50 301.90 Td (\(63) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 475.50 301.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 301.76 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 288.76 Td (Income ) Tj ET Q q 0 0 0 rg BT 85.74 288.76 Td (tax ) Tj ET Q q 0 0 0 rg BT 98.98 288.76 Td (\(benefit\) ) Tj ET Q q 0 0 0 rg BT 132.21 288.76 Td (expense ) Tj ET Q q 0 0 0 rg BT 163.45 288.76 Td (from ) Tj ET Q q 0 0 0 rg BT 183.19 288.76 Td (continuing ) Tj ET Q q 0 0 0 rg BT 223.94 288.76 Td (operations) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 459.00 288.90 Td (\(123) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 475.50 288.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 288.76 Td (1) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 56.50 275.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 72.24 275.90 Td (income ) Tj ET Q q 0 0 0 rg BT 101.98 275.90 Td (fr) Tj ET Q q 0 0 0 rg BT 108.89 275.90 Td (om ) Tj ET Q q 0 0 0 rg BT 123.06 275.90 Td (continuing ) Tj ET Q q 0 0 0 rg BT 166.32 275.90 Td (operations) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 466.50 275.90 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 275.76 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 262.76 Td (Income ) Tj ET Q q 0 0 0 rg BT 85.74 262.76 Td (from ) Tj ET Q q 0 0 0 rg BT 105.48 262.76 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 153.72 262.76 Td (operations, ) Tj ET Q q 0 0 0 rg BT 195.71 262.76 Td (net ) Tj ET Q q 0 0 0 rg BT 208.96 262.76 Td (of ) Tj ET Q q 0 0 0 rg BT 218.71 262.76 Td (tax) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 455.25 262.90 Td (1,033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 262.76 Td (308) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 56.50 249.90 Td (Net ) Tj ET Q q 0 0 0 rg BT 72.24 249.90 Td (income) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 455.25 249.90 Td (1,093) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 249.76 Td (310) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 56.50 236.76 Td (Other ) Tj ET Q q 0 0 0 rg BT 79.24 236.76 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 135.97 236.76 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 158.22 236.76 Td (income, ) Tj ET Q q 0 0 0 rg BT 189.21 236.76 Td (net ) Tj ET Q q 0 0 0 rg BT 202.46 236.76 Td (of ) Tj ET Q q 0 0 0 rg BT 212.20 236.76 Td (tax) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 459.00 236.90 Td (\(317) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 475.50 236.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 236.76 Td (187) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 56.50 223.90 Td (Compr) Tj ET Q q 0 0 0 rg BT 83.83 223.90 Td (ehensive ) Tj ET Q q 0 0 0 rg BT 118.58 223.90 Td (income) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 438.00 223.90 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 462.00 223.90 Td (776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 223.76 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 223.76 Td (497) Tj ET Q BT /F2 10.00 Tf ET BT /F5 9.00 Tf ET q 0 0 0 rg BT 50.00 186.45 Td ([Statement continues on next page]) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 43 696.6 m 417 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417 696.6 m 424 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 696.6 m 437 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 696.6 m 472 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 696.6 m 478 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 696.6 m 484 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 696.6 m 491 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 696.6 m 505 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 696.6 m 540 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 696.6 m 549 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 696.6 m 568 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 43 696.6 m 417 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417 696.6 m 424 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 696.6 m 437 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 696.6 m 472 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 696.6 m 478 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 696.6 m 484 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 696.6 m 491 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 696.6 m 505 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 696.6 m 540 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 696.6 m 549 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 696.6 m 568 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 43 644.6 m 417 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417 644.6 m 424 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 644.6 m 437 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 644.6 m 472 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 644.6 m 478 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 644.6 m 484 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 644.6 m 491 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 644.6 m 505 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 644.6 m 540 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 644.6 m 549 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 644.6 m 568 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 43 631.6 m 417 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417 631.6 m 424 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 631.6 m 437 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 618.6 m 437 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 631.6 m 472 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 618.6 m 472 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 631.6 m 478 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 618.6 m 478 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 631.6 m 484 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 618.6 m 484 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 631.6 m 491 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 618.6 m 491 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 631.6 m 505 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 618.6 m 505 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 631.6 m 540 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 618.6 m 540 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 631.6 m 549 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 618.6 m 549 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 631.6 m 568 631.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 618.6 m 568 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 43 618.6 m 417 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417 618.6 m 424 618.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 618.6 m 437 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424 605.6 m 437 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 618.6 m 472 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437 605.6 m 472 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 618.6 m 478 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 472 605.6 m 478 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 618.6 m 484 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 605.6 m 484 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 618.6 m 491 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484 605.6 m 491 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 618.6 m 505 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491 605.6 m 505 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 618.6 m 540 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 605.6 m 540 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 618.6 m 549 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 540 605.6 m 549 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 618.6 m 568 618.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 549 605.6 m 568 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 43 605.6 m 417 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417 605.6 m 424 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424 592.6 m 437 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437 592.6 m 472 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 472 592.6 m 478 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 592.6 m 484 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484 592.6 m 491 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491 592.6 m 505 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 592.6 m 540 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 540 592.6 m 549 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 549 592.6 m 568 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 43 592.6 m 417 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417 592.6 m 424 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424 579.6 m 437 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437 579.6 m 472 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 472 579.6 m 478 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 579.6 m 484 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484 579.6 m 491 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491 579.6 m 505 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 579.6 m 540 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 540 579.6 m 549 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 549 579.6 m 568 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 43 579.6 m 417 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417 579.6 m 424 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424 579.6 m 437 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437 579.6 m 472 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 472 579.6 m 478 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 579.6 m 484 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484 579.6 m 491 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491 579.6 m 505 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 579.6 m 540 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 540 579.6 m 549 579.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 549 579.6 m 568 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 540.6 m 437 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 540.6 m 472 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 540.6 m 478 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 540.6 m 484 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 540.6 m 491 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 540.6 m 505 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 540.6 m 540 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 540.6 m 549 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 540.6 m 568 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 43 540.6 m 417 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417 540.6 m 424 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 540.6 m 437 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 540.6 m 472 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 540.6 m 478 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 540.6 m 484 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 540.6 m 491 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 540.6 m 505 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 540.6 m 540 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 540.6 m 549 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 540.6 m 568 540.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 43 527.6 m 417 527.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417 527.6 m 424 527.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424 527.6 m 437 527.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437 527.6 m 472 527.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 472 527.6 m 478 527.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 527.6 m 484 527.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484 527.6 m 491 527.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491 527.6 m 505 527.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 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RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417 488.6 m 424 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417 475.6 m 424 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 488.6 m 437 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424 475.6 m 437 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 488.6 m 472 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437 475.6 m 472 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 488.6 m 478 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 472 475.6 m 478 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 488.6 m 484 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478 475.6 m 484 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 488.6 m 491 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484 475.6 m 491 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 488.6 m 505 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 491 475.6 m 505 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 488.6 m 540 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 475.6 m 540 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540 488.6 m 549 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 540 475.6 m 549 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 549 488.6 m 568 488.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 549 475.6 m 568 475.6 l s BT /F7 9.00 Tf ET q 0 0 0 rg BT 435.25 714.05 Td (Three months ended March 31,) Tj ET Q BT /F8 9.00 Tf ET q 0 0 0 rg BT 45.50 700.85 Td (\($ ) Tj ET Q q 0 0 0 rg BT 55.25 700.85 Td (in ) Tj ET Q q 0 0 0 rg BT 64.50 700.85 Td (millions\)) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 444.50 701.00 Td (2013) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 520.00 701.00 Td (2012) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 45.50 688.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 61.24 688.00 Td (income ) Tj ET Q q 0 0 0 rg BT 90.98 688.00 Td (attributable ) Tj ET Q q 0 0 0 rg BT 139.23 688.00 Td (to ) Tj ET Q q 0 0 0 rg BT 148.98 688.00 Td (common ) Tj ET Q q 0 0 0 rg BT 184.22 688.00 Td (shar) Tj ET Q q 0 0 0 rg BT 201.14 688.00 Td (eholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 674.86 Td (Net ) Tj ET Q q 0 0 0 rg BT 60.74 674.86 Td (income ) Tj ET Q q 0 0 0 rg BT 89.48 674.86 Td (from ) Tj ET Q q 0 0 0 rg BT 109.23 674.86 Td (continuing ) Tj ET Q q 0 0 0 rg BT 149.98 674.86 Td (operations) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 429.00 675.00 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 459.50 675.00 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 674.86 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.00 674.86 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 661.86 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 81.23 661.86 Td (stock ) Tj ET Q q 0 0 0 rg BT 102.48 661.86 Td (dividends ) Tj ET Q q 0 0 0 rg BT 139.72 661.86 Td (- ) Tj ET Q q 0 0 0 rg BT 144.97 661.86 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 163.23 661.86 Td (Department ) Tj ET Q q 0 0 0 rg BT 207.96 661.86 Td (of ) Tj ET Q q 0 0 0 rg BT 217.62 661.86 Td (T) Tj ET Q q 0 0 0 rg BT 222.88 661.86 Td (reasury) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 452.00 662.00 Td (\(133) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 468.50 662.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 661.86 Td (\(134) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.50 661.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 648.86 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 81.23 648.86 Td (stock ) Tj ET Q q 0 0 0 rg BT 102.48 648.86 Td (dividends) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 456.50 649.00 Td (\(67) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 468.50 649.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.50 648.86 Td (\(67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.50 648.86 Td (\)) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 45.50 636.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 61.24 636.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 77.50 636.00 Td (fr) Tj ET Q q 0 0 0 rg BT 84.41 636.00 Td (om ) Tj ET Q q 0 0 0 rg BT 98.57 636.00 Td (continuing ) Tj ET Q q 0 0 0 rg BT 141.84 636.00 Td (operations ) Tj ET Q q 0 0 0 rg BT 184.59 636.00 Td (attributable ) Tj ET Q q 0 0 0 rg BT 232.83 636.00 Td (to ) Tj ET Q q 0 0 0 rg BT 242.58 636.00 Td (common ) Tj ET Q q 0 0 0 rg BT 277.83 636.00 Td (shar) Tj ET Q q 0 0 0 rg BT 294.75 636.00 Td (eholders) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 452.00 636.00 Td (\(140) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 468.50 636.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 635.86 Td (\(199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.50 635.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 622.86 Td (Income ) Tj ET Q q 0 0 0 rg BT 74.74 622.86 Td (from ) Tj ET Q q 0 0 0 rg BT 94.48 622.86 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 142.72 622.86 Td (operations, ) Tj ET Q q 0 0 0 rg BT 184.71 622.86 Td (net ) Tj ET Q q 0 0 0 rg BT 197.96 622.86 Td (of ) Tj ET Q q 0 0 0 rg BT 207.71 622.86 Td (tax) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 448.25 623.00 Td (1,033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 622.86 Td (308) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 45.50 610.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 61.24 610.00 Td (income ) Tj ET Q q 0 0 0 rg BT 90.98 610.00 Td (attributable ) Tj ET Q q 0 0 0 rg BT 139.23 610.00 Td (to ) Tj ET Q q 0 0 0 rg BT 148.98 610.00 Td (common ) Tj ET Q q 0 0 0 rg BT 184.22 610.00 Td (shar) Tj ET Q q 0 0 0 rg BT 201.14 610.00 Td (eholders) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 429.00 610.00 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 455.00 610.00 Td (893) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 609.86 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 609.86 Td (109) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 45.50 597.00 Td (Basic ) Tj ET Q q 0 0 0 rg BT 68.25 597.00 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 137.98 597.00 Td (common ) Tj ET Q q 0 0 0 rg BT 173.22 597.00 Td (shar) Tj ET Q q 0 0 0 rg BT 190.14 597.00 Td (es ) Tj ET Q q 0 0 0 rg BT 199.81 597.00 Td (outstanding) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 432.50 597.00 Td (1,330,970) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 596.86 Td (1,330,970) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 45.50 584.00 Td (Diluted ) Tj ET Q q 0 0 0 rg BT 76.25 584.00 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 145.98 584.00 Td (common ) Tj ET Q q 0 0 0 rg BT 181.23 584.00 Td (shar) Tj ET Q q 0 0 0 rg BT 198.15 584.00 Td (es ) Tj ET Q q 0 0 0 rg BT 207.81 584.00 Td (outstanding\(a\)) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 432.50 584.00 Td (1,330,970) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 583.86 Td (1,330,970) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 45.50 571.00 Td (Basic ) Tj ET Q q 0 0 0 rg BT 68.25 571.00 Td (earnings ) Tj ET Q q 0 0 0 rg BT 103.50 571.00 Td (per) Tj ET Q q 0 0 0 rg BT 116.42 571.00 Td ( ) Tj ET Q q 0 0 0 rg BT 118.59 571.00 Td (common ) Tj ET Q q 0 0 0 rg BT 153.83 571.00 Td (shar) Tj ET Q q 0 0 0 rg BT 170.75 571.00 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 557.86 Td (Net ) Tj ET Q q 0 0 0 rg BT 60.74 557.86 Td (loss ) Tj ET Q q 0 0 0 rg BT 77.00 557.86 Td (from ) Tj ET Q q 0 0 0 rg BT 96.74 557.86 Td (continuing ) Tj ET Q q 0 0 0 rg BT 137.49 557.86 Td (operations) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 429.00 558.00 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 452.00 558.00 Td (\(105) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 468.50 558.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 557.86 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 557.86 Td (\(149) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.50 557.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 544.86 Td (Income ) Tj ET Q q 0 0 0 rg BT 74.74 544.86 Td (from ) Tj ET Q q 0 0 0 rg BT 94.48 544.86 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 142.72 544.86 Td (operations, ) Tj ET Q q 0 0 0 rg BT 184.71 544.86 Td (net ) Tj ET Q q 0 0 0 rg BT 197.96 544.86 Td (of ) Tj ET Q q 0 0 0 rg BT 207.71 544.86 Td (tax) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 455.00 545.00 Td (776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 544.86 Td (231) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 531.86 Td (Net ) Tj ET Q q 0 0 0 rg BT 60.74 531.86 Td (income) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 429.00 532.00 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 455.00 532.00 Td (671) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 531.86 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.50 531.86 Td (82) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 45.50 519.00 Td (Diluted ) Tj ET Q q 0 0 0 rg BT 76.25 519.00 Td (earnings ) Tj ET Q q 0 0 0 rg BT 111.51 519.00 Td (per) Tj ET Q q 0 0 0 rg BT 124.34 519.00 Td ( ) Tj ET Q q 0 0 0 rg BT 126.59 519.00 Td (common ) Tj ET Q q 0 0 0 rg BT 161.83 519.00 Td (shar) Tj ET Q q 0 0 0 rg BT 178.67 519.00 Td (e\(a\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 505.86 Td (Net ) Tj ET Q q 0 0 0 rg BT 60.74 505.86 Td (loss ) Tj ET Q q 0 0 0 rg BT 77.00 505.86 Td (from ) Tj ET Q q 0 0 0 rg BT 96.74 505.86 Td (continuing ) Tj ET Q q 0 0 0 rg BT 137.49 505.86 Td (operations) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 429.00 506.00 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 452.00 506.00 Td (\(105) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 468.50 506.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 505.86 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 505.86 Td (\(149) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.50 505.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 492.86 Td (Income ) Tj ET Q q 0 0 0 rg BT 74.74 492.86 Td (from ) Tj ET Q q 0 0 0 rg BT 94.48 492.86 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 142.72 492.86 Td (operations, ) Tj ET Q q 0 0 0 rg BT 184.71 492.86 Td (net ) Tj ET Q q 0 0 0 rg BT 197.96 492.86 Td (of ) Tj ET Q q 0 0 0 rg BT 207.71 492.86 Td (tax) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 455.00 493.00 Td (776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 492.86 Td (231) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.50 479.86 Td (Net ) Tj ET Q q 0 0 0 rg BT 60.74 479.86 Td (income) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 429.00 480.00 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 455.00 480.00 Td (671) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 479.86 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.50 479.86 Td (82) Tj ET Q BT /F2 10.00 Tf ET BT /F5 8.00 Tf ET q 0 0 0 rg BT 49.00 460.50 Td (\(a\)) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 58.78 460.50 Td ( ) Tj ET Q BT /F5 8.00 Tf ET q 0 0 0 rg BT 60.95 460.50 Td (Due ) Tj ET Q q 0 0 0 rg BT 77.80 460.50 Td (to ) Tj ET Q q 0 0 0 rg BT 86.65 460.50 Td (the ) Tj ET Q q 0 0 0 rg BT 99.94 460.50 Td (anti-dilutive ) Tj ET Q q 0 0 0 rg BT 142.58 460.50 Td (ef) Tj ET Q q 0 0 0 rg BT 149.11 460.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 164.18 460.50 Td (of ) Tj ET Q q 0 0 0 rg BT 173.02 460.50 Td (converting ) Tj ET Q q 0 0 0 rg BT 212.11 460.50 Td (the ) Tj ET Q q 0 0 0 rg BT 225.40 460.50 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 247.14 460.50 Td (Rate ) Tj ET Q q 0 0 0 rg BT 266.21 460.50 Td (Cumulative ) Tj ET Q q 0 0 0 rg BT 308.40 460.50 Td (Mandatorily ) Tj ET Q q 0 0 0 rg BT 351.92 460.50 Td (Convertible ) Tj ET Q q 0 0 0 rg BT 394.56 460.50 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 430.08 460.50 Td (Stock ) Tj ET Q q 0 0 0 rg BT 452.27 460.50 Td (into ) Tj ET Q q 0 0 0 rg BT 467.34 460.50 Td (common ) Tj ET Q q 0 0 0 rg BT 500.19 460.50 Td (shares ) Tj ET Q q 0 0 0 rg BT 526.37 460.50 Td (and ) Tj ET Q q 0 0 0 rg BT 541.89 460.50 Td (the ) Tj ET Q BT /F5 8.00 Tf ET q 0 0 0 rg BT 63.00 450.90 Td (net ) Tj ET Q q 0 0 0 rg BT 76.62 450.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 93.35 450.90 Td (from ) Tj ET Q q 0 0 0 rg BT 111.85 450.90 Td (continuing ) Tj ET Q q 0 0 0 rg BT 150.82 450.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 190.68 450.90 Td (attributable ) Tj ET Q q 0 0 0 rg BT 232.76 450.90 Td (to ) Tj ET Q q 0 0 0 rg BT 241.94 450.90 Td (common ) Tj ET Q q 0 0 0 rg BT 275.11 450.90 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 323.86 450.90 Td (for ) Tj ET Q q 0 0 0 rg BT 335.70 450.90 Td (the ) Tj ET Q q 0 0 0 rg BT 349.32 450.90 Td (three ) Tj ET Q q 0 0 0 rg BT 370.06 450.90 Td (months ) Tj ET Q q 0 0 0 rg BT 398.79 450.90 Td (ended ) Tj ET Q q 0 0 0 rg BT 423.54 450.90 Td (March31, ) Tj ET Q q 0 0 0 rg BT 461.61 450.90 Td (2013 ) Tj ET Q q 0 0 0 rg BT 481.91 450.90 Td (and ) Tj ET Q q 0 0 0 rg BT 497.75 450.90 Td (2012, ) Tj ET Q q 0 0 0 rg BT 520.27 450.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 537.00 450.90 Td (from ) Tj ET Q BT /F5 8.00 Tf ET q 0 0 0 rg BT 63.00 441.30 Td (continuing ) Tj ET Q q 0 0 0 rg BT 101.37 441.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 140.62 441.30 Td (attributable ) Tj ET Q q 0 0 0 rg BT 182.09 441.30 Td (to ) Tj ET Q q 0 0 0 rg BT 190.66 441.30 Td (common ) Tj ET Q q 0 0 0 rg BT 223.22 441.30 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 271.37 441.30 Td (and ) Tj ET Q q 0 0 0 rg BT 286.61 441.30 Td (basic ) Tj ET Q q 0 0 0 rg BT 307.18 441.30 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 372.67 441.30 Td (common ) Tj ET Q q 0 0 0 rg BT 405.23 441.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 431.14 441.30 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 474.40 441.30 Td (were ) Tj ET Q q 0 0 0 rg BT 493.63 441.30 Td (used ) Tj ET Q q 0 0 0 rg BT 512.87 441.30 Td (to ) Tj ET Q q 0 0 0 rg BT 521.44 441.30 Td (calculate ) Tj ET Q BT /F5 8.00 Tf ET q 0 0 0 rg BT 63.00 431.70 Td (basic ) Tj ET Q q 0 0 0 rg BT 83.90 431.70 Td (and ) Tj ET Q q 0 0 0 rg BT 99.47 431.70 Td (diluted ) Tj ET Q q 0 0 0 rg BT 125.27 431.70 Td (earnings ) Tj ET Q q 0 0 0 rg BT 158.18 431.70 Td (per ) Tj ET Q q 0 0 0 rg BT 171.96 431.70 Td (share) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 414.90 Td (The ) Tj ET Q q 0 0 0 rg BT 68.19 414.90 Td (Notes ) Tj ET Q q 0 0 0 rg BT 94.38 414.90 Td (to ) Tj ET Q q 0 0 0 rg BT 104.57 414.90 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 153.29 414.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 208.50 414.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 247.20 414.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 295.41 414.90 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 355.76 414.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 379.17 414.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 432.38 414.90 Td (statement ) Tj ET Q q 0 0 0 rg BT 474.59 414.90 Td (of ) Tj ET Q q 0 0 0 rg BT 484.77 414.90 Td (income ) Tj ET Q q 0 0 0 rg BT 516.47 414.90 Td (\(unaudited\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 404.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.51 404.10 Td (this ) Tj ET Q q 0 0 0 rg BT 76.01 404.10 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 121.04 404.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 141.55 404.10 Td (and ) Tj ET Q q 0 0 0 rg BT 159.07 404.10 Td (its ) Tj ET Q q 0 0 0 rg BT 170.57 404.10 Td (1Q ) Tj ET Q q 0 0 0 rg BT 185.07 404.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 207.60 404.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 231.09 404.10 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 253.60 404.10 Td (are ) Tj ET Q q 0 0 0 rg BT 269.11 404.10 Td (an ) Tj ET Q q 0 0 0 rg BT 281.62 404.10 Td (integral ) Tj ET Q q 0 0 0 rg BT 313.64 404.10 Td (part ) Tj ET Q q 0 0 0 rg BT 331.65 404.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.32 404.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 364.54 404.10 Td (unaudited ) Tj ET Q q 0 0 0 rg BT 406.58 404.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 459.62 404.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 495.14 404.10 Td (statements.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 377.70 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 377.70 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 377.70 Td (Capital) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 351.30 Td (As ) Tj ET Q q 0 0 0 rg BT 68.09 351.30 Td (a ) Tj ET Q q 0 0 0 rg BT 78.84 351.30 Td (bank ) Tj ET Q q 0 0 0 rg BT 108.95 351.30 Td (holding ) Tj ET Q q 0 0 0 rg BT 151.73 351.30 Td (company) Tj ET Q q 0 0 0 rg BT 199.53 351.30 Td (, ) Tj ET Q q 0 0 0 rg BT 206.14 351.30 Td (AFI ) Tj ET Q q 0 0 0 rg BT 228.89 351.30 Td (and ) Tj ET Q q 0 0 0 rg BT 252.99 351.30 Td (its ) Tj ET Q q 0 0 0 rg BT 269.08 351.30 Td (insured ) Tj ET Q q 0 0 0 rg BT 312.52 351.30 Td (depository ) Tj ET Q q 0 0 0 rg BT 371.97 351.30 Td (institution ) Tj ET Q q 0 0 0 rg BT 426.74 351.30 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 479.88 351.30 Td (, ) Tj ET Q q 0 0 0 rg BT 486.48 351.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 509.90 351.30 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 544.67 351.30 Td (are ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 336.90 Td (subject ) Tj ET Q q 0 0 0 rg BT 90.20 336.90 Td (to ) Tj ET Q q 0 0 0 rg BT 102.39 336.90 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 159.93 336.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 196.80 336.90 Td (and ) Tj ET Q q 0 0 0 rg BT 219.00 336.90 Td (leverage ) Tj ET Q q 0 0 0 rg BT 267.21 336.90 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 323.44 336.90 Td (issued ) Tj ET Q q 0 0 0 rg BT 360.30 336.90 Td (by ) Tj ET Q q 0 0 0 rg BT 375.16 336.90 Td (federal ) Tj ET Q q 0 0 0 rg BT 414.03 336.90 Td (and ) Tj ET Q q 0 0 0 rg BT 436.24 336.90 Td (state ) Tj ET Q q 0 0 0 rg BT 464.43 336.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 508.65 336.90 Td (regulators ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 322.50 Td (that ) Tj ET Q q 0 0 0 rg BT 72.36 322.50 Td (require ) Tj ET Q q 0 0 0 rg BT 112.05 322.50 Td (that ) Tj ET Q q 0 0 0 rg BT 134.41 322.50 Td (their ) Tj ET Q q 0 0 0 rg BT 160.09 322.50 Td (capital-to-assets ) Tj ET Q q 0 0 0 rg BT 249.80 322.50 Td (ratios ) Tj ET Q q 0 0 0 rg BT 281.49 322.50 Td (meet ) Tj ET Q q 0 0 0 rg BT 310.50 322.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 348.86 322.50 Td (minimum ) Tj ET Q q 0 0 0 rg BT 399.87 322.50 Td (standards. ) Tj ET Q q 0 0 0 rg BT 458.25 322.50 Td ( ) Tj ET Q q 0 0 0 rg BT 460.59 322.50 Td (Under ) Tj ET Q q 0 0 0 rg BT 495.61 322.50 Td (these ) Tj ET Q q 0 0 0 rg BT 527.31 322.50 Td (capital ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 308.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 104.88 308.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 161.76 308.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.61 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.13 308.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 260.33 308.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 319.17 308.10 Td (for ) Tj ET Q q 0 0 0 rg BT 336.01 308.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 376.20 308.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 431.05 308.10 Td (action, ) Tj ET Q q 0 0 0 rg BT 468.67 308.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 490.18 308.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.47 308.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 534.64 308.10 Td (Bank ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 293.70 Td (must ) Tj ET Q q 0 0 0 rg BT 78.70 293.70 Td (meet ) Tj ET Q q 0 0 0 rg BT 108.08 293.70 Td (specific ) Tj ET Q q 0 0 0 rg BT 150.79 293.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 188.17 293.70 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 244.91 293.70 Td (that ) Tj ET Q q 0 0 0 rg BT 267.62 293.70 Td (involve ) Tj ET Q q 0 0 0 rg BT 307.67 293.70 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 371.75 293.70 Td (measures ) Tj ET Q q 0 0 0 rg BT 427.13 293.70 Td (of ) Tj ET Q q 0 0 0 rg BT 439.84 293.70 Td (their ) Tj ET Q q 0 0 0 rg BT 465.88 293.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 503.26 293.70 Td (and ) Tj ET Q q 0 0 0 rg BT 525.98 293.70 Td (certain ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 279.30 Td (of) Tj ET Q q 0 0 0 rg BT 59.79 279.30 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 112.51 279.30 Td (sheet ) Tj ET Q q 0 0 0 rg BT 145.23 279.30 Td (items. ) Tj ET Q q 0 0 0 rg BT 180.59 279.30 Td ( ) Tj ET Q q 0 0 0 rg BT 183.28 279.30 Td (AFI ) Tj ET Q q 0 0 0 rg BT 205.31 279.30 Td (and ) Tj ET Q q 0 0 0 rg BT 228.02 279.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 250.72 279.30 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 289.72 279.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 327.76 279.30 Td (amounts ) Tj ET Q q 0 0 0 rg BT 377.15 279.30 Td (and ) Tj ET Q q 0 0 0 rg BT 400.53 279.30 Td (classifications ) Tj ET Q q 0 0 0 rg BT 477.91 279.30 Td (are ) Tj ET Q q 0 0 0 rg BT 498.61 279.30 Td (also ) Tj ET Q q 0 0 0 rg BT 523.99 279.30 Td (subject ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 264.90 Td (to ) Tj ET Q q 0 0 0 rg BT 63.80 264.90 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 121.63 264.90 Td (judgments ) Tj ET Q q 0 0 0 rg BT 180.79 264.90 Td (by ) Tj ET Q q 0 0 0 rg BT 197.25 264.90 Td (the ) Tj ET Q q 0 0 0 rg BT 217.73 264.90 Td (regulators ) Tj ET Q q 0 0 0 rg BT 274.88 264.90 Td (about ) Tj ET Q q 0 0 0 rg BT 308.71 264.90 Td (components, ) Tj ET Q q 0 0 0 rg BT 381.21 264.90 Td (risk-weightings, ) Tj ET Q q 0 0 0 rg BT 467.69 264.90 Td (and ) Tj ET Q q 0 0 0 rg BT 491.51 264.90 Td (other ) Tj ET Q q 0 0 0 rg BT 522.65 264.90 Td (factors. ) Tj ET Q q 0 0 0 rg BT 565.33 264.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 250.50 Td (Failure ) Tj ET Q q 0 0 0 rg BT 88.66 250.50 Td (to ) Tj ET Q q 0 0 0 rg BT 100.65 250.50 Td (meet ) Tj ET Q q 0 0 0 rg BT 129.30 250.50 Td (minimum ) Tj ET Q q 0 0 0 rg BT 179.95 250.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 216.62 250.50 Td (requirements ) Tj ET Q q 0 0 0 rg BT 288.63 250.50 Td (can ) Tj ET Q q 0 0 0 rg BT 309.96 250.50 Td (initiate ) Tj ET Q q 0 0 0 rg BT 346.62 250.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 384.62 250.50 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 443.29 250.50 Td (and ) Tj ET Q q 0 0 0 rg BT 465.30 250.50 Td (possibly ) Tj ET Q q 0 0 0 rg BT 510.63 250.50 Td (additional ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 236.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 121.93 236.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 163.85 236.10 Td (by ) Tj ET Q q 0 0 0 rg BT 180.43 236.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 237.69 236.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 264.95 236.10 Td (if ) Tj ET Q q 0 0 0 rg BT 274.85 236.10 Td (undertaken, ) Tj ET Q q 0 0 0 rg BT 342.13 236.10 Td (could ) Tj ET Q q 0 0 0 rg BT 374.72 236.10 Td (have ) Tj ET Q q 0 0 0 rg BT 404.64 236.10 Td (a ) Tj ET Q q 0 0 0 rg BT 415.22 236.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 448.47 236.10 Td (material ) Tj ET Q q 0 0 0 rg BT 495.05 236.10 Td (ef) Tj ET Q q 0 0 0 rg BT 504.84 236.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 528.08 236.10 Td (on ) Tj ET Q q 0 0 0 rg BT 545.33 236.10 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 221.70 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 121.47 221.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 169.59 221.70 Td (statements ) Tj ET Q q 0 0 0 rg BT 232.38 221.70 Td (or ) Tj ET Q q 0 0 0 rg BT 247.14 221.70 Td (the ) Tj ET Q q 0 0 0 rg BT 267.91 221.70 Td (results ) Tj ET Q q 0 0 0 rg BT 307.34 221.70 Td (of ) Tj ET Q q 0 0 0 rg BT 321.44 221.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 381.57 221.70 Td (and ) Tj ET Q q 0 0 0 rg BT 405.68 221.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 453.80 221.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 505.93 221.70 Td (of ) Tj ET Q q 0 0 0 rg BT 519.21 221.70 Td (AFI ) Tj ET Q q 0 0 0 rg BT 541.97 221.70 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 207.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.67 207.30 Td (Bank.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 180.90 Td (The ) Tj ET Q q 0 0 0 rg BT 74.06 180.90 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 132.80 180.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 170.87 180.90 Td (ratios ) Tj ET Q q 0 0 0 rg BT 203.60 180.90 Td (are ) Tj ET Q q 0 0 0 rg BT 224.33 180.90 Td (determined ) Tj ET Q q 0 0 0 rg BT 287.75 180.90 Td (by ) Tj ET Q q 0 0 0 rg BT 303.81 180.90 Td (allocating ) Tj ET Q q 0 0 0 rg BT 357.89 180.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 395.96 180.90 Td (and ) Tj ET Q q 0 0 0 rg BT 419.36 180.90 Td (specified ) Tj ET Q q 0 0 0 rg BT 470.11 180.90 Td (of) Tj ET Q q 0 0 0 rg BT 479.90 180.90 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 532.65 180.90 Td (sheet ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 166.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 97.08 166.50 Td (instruments ) Tj ET Q q 0 0 0 rg BT 162.16 166.50 Td (into ) Tj ET Q q 0 0 0 rg BT 184.57 166.50 Td (several ) Tj ET Q q 0 0 0 rg BT 226.31 166.50 Td (broad ) Tj ET Q q 0 0 0 rg BT 260.06 166.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 281.78 166.50 Td (categories ) Tj ET Q q 0 0 0 rg BT 340.20 166.50 Td (with ) Tj ET Q q 0 0 0 rg BT 364.60 166.50 Td (higher ) Tj ET Q q 0 0 0 rg BT 401.01 166.50 Td (levels ) Tj ET Q q 0 0 0 rg BT 434.75 166.50 Td (of ) Tj ET Q q 0 0 0 rg BT 447.81 166.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 485.56 166.50 Td (being ) Tj ET Q q 0 0 0 rg BT 517.98 166.50 Td (required ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 152.10 Td (for ) Tj ET Q q 0 0 0 rg BT 66.93 152.10 Td (the ) Tj ET Q q 0 0 0 rg BT 86.54 152.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 144.83 152.10 Td (that ) Tj ET Q q 0 0 0 rg BT 167.78 152.10 Td (present ) Tj ET Q q 0 0 0 rg BT 210.73 152.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 251.68 152.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 276.60 152.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.53 152.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 315.14 152.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.75 152.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 372.36 152.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 427.33 152.10 Td (guidelines, ) Tj ET Q q 0 0 0 rg BT 487.44 152.10 Td (T) Tj ET Q q 0 0 0 rg BT 493.44 152.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 515.72 152.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 553.33 152.10 Td (is ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 137.70 Td (divided ) Tj ET Q q 0 0 0 rg BT 90.80 137.70 Td (into ) Tj ET Q q 0 0 0 rg BT 112.92 137.70 Td (two ) Tj ET Q q 0 0 0 rg BT 134.36 137.70 Td (tiers: ) Tj ET Q q 0 0 0 rg BT 163.13 137.70 Td ( ) Tj ET Q q 0 0 0 rg BT 165.73 137.70 Td (T) Tj ET Q q 0 0 0 rg BT 172.61 137.70 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 198.72 137.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 236.18 137.70 Td (and ) Tj ET Q q 0 0 0 rg BT 258.79 137.70 Td (T) Tj ET Q q 0 0 0 rg BT 265.68 137.70 Td (ier2 ) Tj ET Q q 0 0 0 rg BT 291.79 137.70 Td (capital. ) Tj ET Q q 0 0 0 rg BT 332.58 137.70 Td ( ) Tj ET Q q 0 0 0 rg BT 335.18 137.70 Td (T) Tj ET Q q 0 0 0 rg BT 342.06 137.70 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 368.17 137.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 405.63 137.70 Td (generally ) Tj ET Q q 0 0 0 rg BT 457.10 137.70 Td (consists ) Tj ET Q q 0 0 0 rg BT 503.22 137.70 Td (of ) Tj ET Q q 0 0 0 rg BT 516.00 137.70 Td (common ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 123.30 Td (equity) Tj ET Q q 0 0 0 rg BT 81.13 123.30 Td (, ) Tj ET Q q 0 0 0 rg BT 87.93 123.30 Td (minority ) Tj ET Q q 0 0 0 rg BT 133.40 123.30 Td (interests, ) Tj ET Q q 0 0 0 rg BT 185.55 123.30 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 239.72 123.30 Td (noncumulative ) Tj ET Q q 0 0 0 rg BT 320.57 123.30 Td (preferred ) Tj ET Q q 0 0 0 rg BT 372.72 123.30 Td (stock, ) Tj ET Q q 0 0 0 rg BT 407.53 123.30 Td (and ) Tj ET Q q 0 0 0 rg BT 431.02 123.30 Td (the ) Tj ET Q q 0 0 0 rg BT 451.17 123.30 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 504.65 123.30 Td (cumulative ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 108.90 Td (preferred ) Tj ET Q q 0 0 0 rg BT 102.15 108.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 133.62 108.90 Td (sold ) Tj ET Q q 0 0 0 rg BT 159.10 108.90 Td (to ) Tj ET Q q 0 0 0 rg BT 172.57 108.90 Td (the ) Tj ET Q q 0 0 0 rg BT 192.71 108.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 219.29 108.90 Td (T) Tj ET Q q 0 0 0 rg BT 226.17 108.90 Td (reasury ) Tj ET Q q 0 0 0 rg BT 269.65 108.90 Td (under ) Tj ET Q q 0 0 0 rg BT 303.80 108.90 Td (the ) Tj ET Q q 0 0 0 rg BT 323.72 108.90 Td (T) Tj ET Q q 0 0 0 rg BT 330.61 108.90 Td (roubled ) Tj ET Q q 0 0 0 rg BT 373.41 108.90 Td (Asset ) Tj ET Q q 0 0 0 rg BT 406.89 108.90 Td (Relief ) Tj ET Q q 0 0 0 rg BT 441.03 108.90 Td (Program, ) Tj ET Q q 0 0 0 rg BT 493.84 108.90 Td (less ) Tj ET Q q 0 0 0 rg BT 518.64 108.90 Td (goodwill ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 94.50 Td (and ) Tj ET Q q 0 0 0 rg BT 72.77 94.50 Td (other ) Tj ET Q q 0 0 0 rg BT 102.86 94.50 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 173.64 94.50 Td ( ) Tj ET Q q 0 0 0 rg BT 176.21 94.50 Td (T) Tj ET Q q 0 0 0 rg BT 183.09 94.50 Td (ier2 ) Tj ET Q q 0 0 0 rg BT 209.18 94.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 246.61 94.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 298.05 94.50 Td (consists ) Tj ET Q q 0 0 0 rg BT 344.15 94.50 Td (of ) Tj ET Q q 0 0 0 rg BT 356.90 94.50 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 409.68 94.50 Td (preferred ) Tj ET Q q 0 0 0 rg BT 461.12 94.50 Td (stock ) Tj ET Q q 0 0 0 rg BT 491.87 94.50 Td (not ) Tj ET Q q 0 0 0 rg BT 511.30 94.50 Td (qualifying ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 80.10 Td (as ) Tj ET Q q 0 0 0 rg BT 66.71 80.10 Td (T) Tj ET Q q 0 0 0 rg BT 73.60 80.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 101.26 80.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 143.60 80.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 182.59 80.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 232.93 80.10 Td (of ) Tj ET Q q 0 0 0 rg BT 247.26 80.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 320.96 80.10 Td (debt, ) Tj ET Q q 0 0 0 rg BT 351.97 80.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.31 80.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.31 80.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 454.99 80.10 Td (for ) Tj ET Q q 0 0 0 rg BT 473.31 80.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 500.32 80.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 541.98 80.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 65.70 Td (other ) Tj ET Q q 0 0 0 rg BT 81.94 65.70 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 154.57 65.70 Td ( ) Tj ET Q q 0 0 0 rg BT 158.86 65.70 Td (The ) Tj ET Q q 0 0 0 rg BT 184.13 65.70 Td (amount ) Tj ET Q q 0 0 0 rg BT 228.75 65.70 Td (of ) Tj ET Q q 0 0 0 rg BT 243.05 65.70 Td (T) Tj ET Q q 0 0 0 rg BT 249.94 65.70 Td (ier2 ) Tj ET Q q 0 0 0 rg BT 277.87 65.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 317.15 65.70 Td (may ) Tj ET Q q 0 0 0 rg BT 344.42 65.70 Td (not ) Tj ET Q q 0 0 0 rg BT 365.69 65.70 Td (exceed ) Tj ET Q q 0 0 0 rg BT 408.98 65.70 Td (the ) Tj ET Q q 0 0 0 rg BT 430.25 65.70 Td (amount ) Tj ET Q q 0 0 0 rg BT 474.87 65.70 Td (of ) Tj ET Q q 0 0 0 rg BT 489.17 65.70 Td (T) Tj ET Q q 0 0 0 rg BT 496.06 65.70 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 523.99 65.70 Td (capital. ) Tj ET Q q 0 0 0 rg BT 565.35 65.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 51.30 Td (Finally) Tj ET Q q 0 0 0 rg BT 83.79 51.30 Td (, ) Tj ET Q q 0 0 0 rg BT 90.24 51.30 Td (T) Tj ET Q q 0 0 0 rg BT 96.24 51.30 Td (otal ) Tj ET Q q 0 0 0 rg BT 118.92 51.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 156.94 51.30 Td (is ) Tj ET Q q 0 0 0 rg BT 168.94 51.30 Td (the ) Tj ET Q q 0 0 0 rg BT 188.96 51.30 Td (sum ) Tj ET Q q 0 0 0 rg BT 214.96 51.30 Td (of ) Tj ET Q q 0 0 0 rg BT 228.08 51.30 Td (T) Tj ET Q q 0 0 0 rg BT 234.97 51.30 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 261.65 51.30 Td (and ) Tj ET Q q 0 0 0 rg BT 284.79 51.30 Td (T) Tj ET Q q 0 0 0 rg BT 291.67 51.30 Td (ier2 ) Tj ET Q q 0 0 0 rg BT 318.35 51.30 Td (capital.) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (15) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (Under ) Tj ET Q q 0 0 0 rg BT 85.44 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 104.87 740.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 142.31 740.30 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 197.11 740.30 Td (guidelines, ) Tj ET Q q 0 0 0 rg BT 257.24 740.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 302.02 740.30 Td (organizations ) Tj ET Q q 0 0 0 rg BT 376.16 740.30 Td (are ) Tj ET Q q 0 0 0 rg BT 396.25 740.30 Td (required ) Tj ET Q q 0 0 0 rg BT 443.03 740.30 Td (to ) Tj ET Q q 0 0 0 rg BT 455.79 740.30 Td (maintain ) Tj ET Q q 0 0 0 rg BT 503.90 740.30 Td (a ) Tj ET Q q 0 0 0 rg BT 513.33 740.30 Td (minimum ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (T) Tj ET Q q 0 0 0 rg BT 56.00 725.90 Td (otal ) Tj ET Q q 0 0 0 rg BT 78.95 725.90 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 137.91 725.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 176.20 725.90 Td (ratio ) Tj ET Q q 0 0 0 rg BT 203.15 725.90 Td (\(T) Tj ET Q q 0 0 0 rg BT 213.14 725.90 Td (otal ) Tj ET Q q 0 0 0 rg BT 236.10 725.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 274.39 725.90 Td (to ) Tj ET Q q 0 0 0 rg BT 288.00 725.90 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 362.30 725.90 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 404.58 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 418.19 725.90 Td (8% ) Tj ET Q q 0 0 0 rg BT 439.14 725.90 Td (and ) Tj ET Q q 0 0 0 rg BT 462.76 725.90 Td (a ) Tj ET Q q 0 0 0 rg BT 472.81 725.90 Td (T) Tj ET Q q 0 0 0 rg BT 479.69 725.90 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 506.64 725.90 Td (risk-based ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 711.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 88.94 711.50 Td (ratio ) Tj ET Q q 0 0 0 rg BT 116.54 711.50 Td (\(T) Tj ET Q q 0 0 0 rg BT 127.42 711.50 Td (ier ) Tj ET Q q 0 0 0 rg BT 145.01 711.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 155.94 711.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 194.89 711.50 Td (to ) Tj ET Q q 0 0 0 rg BT 209.15 711.50 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 284.10 711.50 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 327.03 711.50 Td (of ) Tj ET Q q 0 0 0 rg BT 341.29 711.50 Td (4%. ) Tj ET Q q 0 0 0 rg BT 366.23 711.50 Td ( ) Tj ET Q q 0 0 0 rg BT 370.21 711.50 Td (The ) Tj ET Q q 0 0 0 rg BT 395.14 711.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 436.09 711.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 482.38 711.50 Td (regulators ) Tj ET Q q 0 0 0 rg BT 539.99 711.50 Td (also ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (have ) Tj ET Q q 0 0 0 rg BT 78.49 697.10 Td (established ) Tj ET Q q 0 0 0 rg BT 141.66 697.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 192.79 697.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 241.29 697.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 267.10 697.10 Td (guidelines. ) Tj ET Q q 0 0 0 rg BT 326.94 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 329.24 697.10 Td (The ) Tj ET Q q 0 0 0 rg BT 352.38 697.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 400.88 697.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 426.69 697.10 Td (is ) Tj ET Q q 0 0 0 rg BT 437.82 697.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 479.65 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 494.63 697.10 Td (T) Tj ET Q q 0 0 0 rg BT 501.52 697.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 527.33 697.10 Td (capital ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 682.70 Td (divided ) Tj ET Q q 0 0 0 rg BT 89.95 682.70 Td (by ) Tj ET Q q 0 0 0 rg BT 104.55 682.70 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 151.84 682.70 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 200.45 682.70 Td (average ) Tj ET Q q 0 0 0 rg BT 245.73 682.70 Td (total ) Tj ET Q q 0 0 0 rg BT 270.34 682.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 306.94 682.70 Td (\(which ) Tj ET Q q 0 0 0 rg BT 343.54 682.70 Td (reflect ) Tj ET Q q 0 0 0 rg BT 378.14 682.70 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 444.76 682.70 Td (for ) Tj ET Q q 0 0 0 rg BT 460.69 682.70 Td (disallowed ) Tj ET Q q 0 0 0 rg BT 518.64 682.70 Td (goodwill ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 668.30 Td (and ) Tj ET Q q 0 0 0 rg BT 74.52 668.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 115.03 668.30 Td (intangible ) Tj ET Q q 0 0 0 rg BT 170.90 668.30 Td (assets\). ) Tj ET Q q 0 0 0 rg BT 217.41 668.30 Td ( ) Tj ET Q q 0 0 0 rg BT 221.61 668.30 Td (The ) Tj ET Q q 0 0 0 rg BT 246.79 668.30 Td (minimum ) Tj ET Q q 0 0 0 rg BT 299.66 668.30 Td (T) Tj ET Q q 0 0 0 rg BT 306.54 668.30 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 334.38 668.30 Td (leverage ) Tj ET Q q 0 0 0 rg BT 384.91 668.30 Td (ratio ) Tj ET Q q 0 0 0 rg BT 412.75 668.30 Td (is ) Tj ET Q q 0 0 0 rg BT 425.91 668.30 Td (3% ) Tj ET Q q 0 0 0 rg BT 447.75 668.30 Td (or ) Tj ET Q q 0 0 0 rg BT 462.92 668.30 Td (4%, ) Tj ET Q q 0 0 0 rg BT 488.09 668.30 Td (depending ) Tj ET Q q 0 0 0 rg BT 548.65 668.30 Td (on ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 653.90 Td (factors ) Tj ET Q q 0 0 0 rg BT 89.35 653.90 Td (specified ) Tj ET Q q 0 0 0 rg BT 140.04 653.90 Td (in ) Tj ET Q q 0 0 0 rg BT 152.71 653.90 Td (the ) Tj ET Q q 0 0 0 rg BT 172.73 653.90 Td (regulations.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 627.50 Td (A) Tj ET Q q 0 0 0 rg BT 57.34 627.50 Td ( ) Tj ET Q q 0 0 0 rg BT 60.73 627.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 106.15 627.50 Td (institution ) Tj ET Q q 0 0 0 rg BT 160.23 627.50 Td (meets ) Tj ET Q q 0 0 0 rg BT 196.29 627.50 Td (the ) Tj ET Q q 0 0 0 rg BT 216.36 627.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 273.11 627.50 Td (definition ) Tj ET Q q 0 0 0 rg BT 324.53 627.50 Td (of ) Tj ET Q q 0 0 0 rg BT 337.93 627.50 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 430.67 627.50 Td (when ) Tj ET Q q 0 0 0 rg BT 462.75 627.50 Td (its ) Tj ET Q q 0 0 0 rg BT 477.91 627.50 Td (T) Tj ET Q q 0 0 0 rg BT 483.91 627.50 Td (otal ) Tj ET Q q 0 0 0 rg BT 506.65 627.50 Td (risk-based ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 88.18 613.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 115.02 613.10 Td (equals ) Tj ET Q q 0 0 0 rg BT 153.88 613.10 Td (or ) Tj ET Q q 0 0 0 rg BT 168.04 613.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 216.23 613.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 243.75 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.26 613.10 Td (its ) Tj ET Q q 0 0 0 rg BT 282.53 613.10 Td (T) Tj ET Q q 0 0 0 rg BT 289.42 613.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 316.25 613.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 375.10 613.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 413.29 613.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 440.12 613.10 Td (equals ) Tj ET Q q 0 0 0 rg BT 478.98 613.10 Td (or ) Tj ET Q q 0 0 0 rg BT 493.15 613.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 541.34 613.10 Td (6%; ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (and ) Tj ET Q q 0 0 0 rg BT 74.29 598.70 Td (for ) Tj ET Q q 0 0 0 rg BT 92.56 598.70 Td (an ) Tj ET Q q 0 0 0 rg BT 110.17 598.70 Td (insured ) Tj ET Q q 0 0 0 rg BT 153.80 598.70 Td (depository ) Tj ET Q q 0 0 0 rg BT 213.43 598.70 Td (institution, ) Tj ET Q q 0 0 0 rg BT 271.72 598.70 Td (when ) Tj ET Q q 0 0 0 rg BT 304.68 598.70 Td (its ) Tj ET Q q 0 0 0 rg BT 320.95 598.70 Td (leverage ) Tj ET Q q 0 0 0 rg BT 371.24 598.70 Td (ratio ) Tj ET Q q 0 0 0 rg BT 398.85 598.70 Td (equals ) Tj ET Q q 0 0 0 rg BT 438.48 598.70 Td (or ) Tj ET Q q 0 0 0 rg BT 453.42 598.70 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 502.38 598.70 Td (5%, ) Tj ET Q q 0 0 0 rg BT 527.32 598.70 Td (unless ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 91.36 584.30 Td (to ) Tj ET Q q 0 0 0 rg BT 104.70 584.30 Td (a ) Tj ET Q q 0 0 0 rg BT 114.71 584.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 171.40 584.30 Td (directive ) Tj ET Q q 0 0 0 rg BT 219.42 584.30 Td (to ) Tj ET Q q 0 0 0 rg BT 232.76 584.30 Td (maintain ) Tj ET Q q 0 0 0 rg BT 281.45 584.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 318.14 584.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 356.16 584.30 Td (levels.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 557.90 Td (The ) Tj ET Q q 0 0 0 rg BT 74.09 557.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 119.54 557.90 Td (regulators ) Tj ET Q q 0 0 0 rg BT 176.31 557.90 Td (also ) Tj ET Q q 0 0 0 rg BT 201.74 557.90 Td (have ) Tj ET Q q 0 0 0 rg BT 231.18 557.90 Td (developed ) Tj ET Q q 0 0 0 rg BT 289.97 557.90 Td (a ) Tj ET Q q 0 0 0 rg BT 300.06 557.90 Td (measure ) Tj ET Q q 0 0 0 rg BT 350.16 557.90 Td (of ) Tj ET Q q 0 0 0 rg BT 363.58 557.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 401.68 557.90 Td (called ) Tj ET Q q 0 0 0 rg BT 436.23 557.90 Td (T) Tj ET Q q 0 0 0 rg BT 443.11 557.90 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 469.87 557.90 Td (common, ) Tj ET Q q 0 0 0 rg BT 522.63 557.90 Td (defined ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 543.50 Td (as ) Tj ET Q q 0 0 0 rg BT 64.46 543.50 Td (T) Tj ET Q q 0 0 0 rg BT 71.34 543.50 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 96.59 543.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 133.19 543.50 Td (less ) Tj ET Q q 0 0 0 rg BT 156.44 543.50 Td (non-common ) Tj ET Q q 0 0 0 rg BT 228.38 543.50 Td (elements, ) Tj ET Q q 0 0 0 rg BT 282.31 543.50 Td (including ) Tj ET Q q 0 0 0 rg BT 331.58 543.50 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 384.19 543.50 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 436.14 543.50 Td (preferred ) Tj ET Q q 0 0 0 rg BT 486.74 543.50 Td (stock, ) Tj ET Q q 0 0 0 rg BT 519.99 543.50 Td (minority ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 92.66 529.10 Td (in ) Tj ET Q q 0 0 0 rg BT 105.31 529.10 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 175.32 529.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 201.97 529.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 253.97 529.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 311.30 529.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.63 529.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 394.64 529.10 Td (convertible ) Tj ET Q q 0 0 0 rg BT 455.98 529.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 507.99 529.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 565.34 529.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 514.70 Td (T) Tj ET Q q 0 0 0 rg BT 56.88 514.70 Td (ier ) Tj ET Q q 0 0 0 rg BT 73.34 514.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 83.14 514.70 Td (common ) Tj ET Q q 0 0 0 rg BT 132.28 514.70 Td (is ) Tj ET Q q 0 0 0 rg BT 144.07 514.70 Td (used ) Tj ET Q q 0 0 0 rg BT 173.22 514.70 Td (by ) Tj ET Q q 0 0 0 rg BT 189.01 514.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 234.17 514.70 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 293.99 514.70 Td (investors, ) Tj ET Q q 0 0 0 rg BT 348.47 514.70 Td (and ) Tj ET Q q 0 0 0 rg BT 371.61 514.70 Td (analysts ) Tj ET Q q 0 0 0 rg BT 418.76 514.70 Td (to ) Tj ET Q q 0 0 0 rg BT 431.89 514.70 Td (assess ) Tj ET Q q 0 0 0 rg BT 472.36 514.70 Td (and ) Tj ET Q q 0 0 0 rg BT 495.51 514.70 Td (compare ) Tj ET Q q 0 0 0 rg BT 545.32 514.70 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 500.30 Td (quality ) Tj ET Q q 0 0 0 rg BT 88.16 500.30 Td (and ) Tj ET Q q 0 0 0 rg BT 111.66 500.30 Td (composition ) Tj ET Q q 0 0 0 rg BT 179.17 500.30 Td (of ) Tj ET Q q 0 0 0 rg BT 191.97 500.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 223.07 500.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 261.23 500.30 Td (with ) Tj ET Q q 0 0 0 rg BT 286.05 500.30 Td (the ) Tj ET Q q 0 0 0 rg BT 306.21 500.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 344.37 500.30 Td (of ) Tj ET Q q 0 0 0 rg BT 357.86 500.30 Td (other ) Tj ET Q q 0 0 0 rg BT 388.69 500.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 436.19 500.30 Td (services ) Tj ET Q q 0 0 0 rg BT 483.68 500.30 Td (companies. ) Tj ET Q q 0 0 0 rg BT 548.52 500.30 Td ( ) Tj ET Q q 0 0 0 rg BT 552.00 500.30 Td (In ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 485.90 Td (addition, ) Tj ET Q q 0 0 0 rg BT 98.59 485.90 Td (bank ) Tj ET Q q 0 0 0 rg BT 127.84 485.90 Td (holding ) Tj ET Q q 0 0 0 rg BT 169.77 485.90 Td (companies ) Tj ET Q q 0 0 0 rg BT 231.02 485.90 Td (with ) Tj ET Q q 0 0 0 rg BT 255.59 485.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 293.50 485.90 Td (of ) Tj ET Q q 0 0 0 rg BT 306.73 485.90 Td ($50.0 ) Tj ET Q q 0 0 0 rg BT 339.98 485.90 Td (billion ) Tj ET Q q 0 0 0 rg BT 373.89 485.90 Td (or ) Tj ET Q q 0 0 0 rg BT 387.79 485.90 Td (more, ) Tj ET Q q 0 0 0 rg BT 421.69 485.90 Td (such ) Tj ET Q q 0 0 0 rg BT 450.26 485.90 Td (as ) Tj ET Q q 0 0 0 rg BT 465.52 485.90 Td (AFI, ) Tj ET Q q 0 0 0 rg BT 490.75 485.90 Td (must ) Tj ET Q q 0 0 0 rg BT 519.97 485.90 Td (develop ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 471.50 Td (and ) Tj ET Q q 0 0 0 rg BT 73.60 471.50 Td (maintain ) Tj ET Q q 0 0 0 rg BT 122.54 471.50 Td (a ) Tj ET Q q 0 0 0 rg BT 132.79 471.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 171.06 471.50 Td (plan ) Tj ET Q q 0 0 0 rg BT 197.33 471.50 Td (annually ) Tj ET Q q 0 0 0 rg BT 245.61 471.50 Td (and, ) Tj ET Q q 0 0 0 rg BT 272.54 471.50 Td (among ) Tj ET Q q 0 0 0 rg BT 312.81 471.50 Td (other ) Tj ET Q q 0 0 0 rg BT 343.74 471.50 Td (elements, ) Tj ET Q q 0 0 0 rg BT 399.35 471.50 Td (the ) Tj ET Q q 0 0 0 rg BT 419.61 471.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 457.88 471.50 Td (plan ) Tj ET Q q 0 0 0 rg BT 484.14 471.50 Td (must ) Tj ET Q q 0 0 0 rg BT 513.73 471.50 Td (include ) Tj ET Q q 0 0 0 rg BT 555.33 471.50 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 108.10 457.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.18 457.10 Td (how ) Tj ET Q q 0 0 0 rg BT 143.86 457.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 164.60 457.10 Td (will ) Tj ET Q q 0 0 0 rg BT 183.34 457.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 230.77 457.10 Td (a ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 239.52 457.10 Td (pro ) Tj ET Q q 0 0 0 rg BT 258.93 457.10 Td (forma) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 289.61 457.10 Td ( ) Tj ET Q q 0 0 0 rg BT 291.55 457.10 Td (T) Tj ET Q q 0 0 0 rg BT 298.43 457.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 313.84 457.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 322.59 457.10 Td (common ) Tj ET Q q 0 0 0 rg BT 370.68 457.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 396.09 457.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 406.97 457.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 422.38 457.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 431.13 457.10 Td (common ) Tj ET Q q 0 0 0 rg BT 479.22 457.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.30 457.10 Td (risk-weighted ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 442.70 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 92.01 442.70 Td (above ) Tj ET Q q 0 0 0 rg BT 128.04 442.70 Td (5% ) Tj ET Q q 0 0 0 rg BT 148.72 442.70 Td (under ) Tj ET Q q 0 0 0 rg BT 182.74 442.70 Td (expected ) Tj ET Q q 0 0 0 rg BT 234.78 442.70 Td (conditions ) Tj ET Q q 0 0 0 rg BT 292.15 442.70 Td (and ) Tj ET Q q 0 0 0 rg BT 315.51 442.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 354.86 442.70 Td (stressed ) Tj ET Q q 0 0 0 rg BT 403.54 442.70 Td (scenarios.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 416.30 Td (On ) Tj ET Q q 0 0 0 rg BT 69.29 416.30 Td (October29, ) Tj ET Q q 0 0 0 rg BT 135.27 416.30 Td (2010, ) Tj ET Q q 0 0 0 rg BT 167.93 416.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 190.55 416.30 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 223.87 416.30 Td (AFI, ) Tj ET Q q 0 0 0 rg BT 249.15 416.30 Td (IBFinance ) Tj ET Q q 0 0 0 rg BT 309.79 416.30 Td (Holding ) Tj ET Q q 0 0 0 rg BT 353.77 416.30 Td (Company) Tj ET Q q 0 0 0 rg BT 404.24 416.30 Td (, ) Tj ET Q q 0 0 0 rg BT 410.85 416.30 Td (LLC ) Tj ET Q q 0 0 0 rg BT 436.15 416.30 Td (\(a ) Tj ET Q q 0 0 0 rg BT 450.10 416.30 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 507.40 416.30 Td (of ) Tj ET Q q 0 0 0 rg BT 520.04 416.30 Td (AFI ) Tj ET Q q 0 0 0 rg BT 541.99 416.30 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 401.90 Td (the ) Tj ET Q q 0 0 0 rg BT 72.52 401.90 Td (direct ) Tj ET Q q 0 0 0 rg BT 107.70 401.90 Td (parent ) Tj ET Q q 0 0 0 rg BT 147.56 401.90 Td (company ) Tj ET Q q 0 0 0 rg BT 202.09 401.90 Td (of ) Tj ET Q q 0 0 0 rg BT 216.78 401.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 241.95 401.90 Td (Bank\), ) Tj ET Q q 0 0 0 rg BT 282.47 401.90 Td (and ) Tj ET Q q 0 0 0 rg BT 308.33 401.90 Td (the ) Tj ET Q q 0 0 0 rg BT 330.85 401.90 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 364.69 401.90 Td (entered ) Tj ET Q q 0 0 0 rg BT 411.22 401.90 Td (into ) Tj ET Q q 0 0 0 rg BT 436.41 401.90 Td (a ) Tj ET Q q 0 0 0 rg BT 448.92 401.90 Td (Capital ) Tj ET Q q 0 0 0 rg BT 492.11 401.90 Td (and ) Tj ET Q q 0 0 0 rg BT 517.97 401.90 Td (Liquidity ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 387.50 Td (Maintenance ) Tj ET Q q 0 0 0 rg BT 121.04 387.50 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 182.64 387.50 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 190.62744140625 385.7890625 m 231.97119140625 385.7890625 l s q 0 0 0 rg BT 190.63 387.50 Td (CALMA) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 231.97 387.50 Td (\). ) Tj ET Q q 0 0 0 rg BT 246.20 387.50 Td ( ) Tj ET Q q 0 0 0 rg BT 248.91 387.50 Td (The ) Tj ET Q q 0 0 0 rg BT 272.48 387.50 Td (ef) Tj ET Q q 0 0 0 rg BT 282.28 387.50 Td (fective ) Tj ET Q q 0 0 0 rg BT 319.86 387.50 Td (date ) Tj ET Q q 0 0 0 rg BT 346.11 387.50 Td (of ) Tj ET Q q 0 0 0 rg BT 359.02 387.50 Td (the ) Tj ET Q q 0 0 0 rg BT 378.60 387.50 Td (CALMA) Tj ET Q q 0 0 0 rg BT 419.28 387.50 Td ( ) Tj ET Q q 0 0 0 rg BT 422.18 387.50 Td (was ) Tj ET Q q 0 0 0 rg BT 445.84 387.50 Td (August ) Tj ET Q q 0 0 0 rg BT 486.10 387.50 Td (24, ) Tj ET Q q 0 0 0 rg BT 505.68 387.50 Td (2010. ) Tj ET Q q 0 0 0 rg BT 538.61 387.50 Td ( ) Tj ET Q q 0 0 0 rg BT 541.32 387.50 Td (The ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (CALMA) Tj ET Q q 0 0 0 rg BT 90.68 373.10 Td ( ) Tj ET Q q 0 0 0 rg BT 93.30 373.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 139.27 373.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 176.58 373.10 Td (at ) Tj ET Q q 0 0 0 rg BT 188.68 373.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 210.63 373.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 240.60 373.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.23 373.10 Td (be ) Tj ET Q q 0 0 0 rg BT 269.19 373.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 330.52 373.10 Td (at ) Tj ET Q q 0 0 0 rg BT 343.14 373.10 Td (a ) Tj ET Q q 0 0 0 rg BT 352.43 373.10 Td (level ) Tj ET Q q 0 0 0 rg BT 379.73 373.10 Td (such ) Tj ET Q q 0 0 0 rg BT 407.70 373.10 Td (that ) Tj ET Q q 0 0 0 rg BT 429.81 373.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 451.76 373.10 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 490.02 373.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 538.67 373.10 Td (ratio ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 358.70 Td (is ) Tj ET Q q 0 0 0 rg BT 62.01 358.70 Td (at ) Tj ET Q q 0 0 0 rg BT 75.36 358.70 Td (least ) Tj ET Q q 0 0 0 rg BT 104.05 358.70 Td (15%. ) Tj ET Q q 0 0 0 rg BT 134.74 358.70 Td ( ) Tj ET Q q 0 0 0 rg BT 138.08 358.70 Td (For ) Tj ET Q q 0 0 0 rg BT 159.43 358.70 Td (this ) Tj ET Q q 0 0 0 rg BT 181.44 358.70 Td (purpose, ) Tj ET Q q 0 0 0 rg BT 231.48 358.70 Td (the ) Tj ET Q q 0 0 0 rg BT 251.51 358.70 Td (leverage ) Tj ET Q q 0 0 0 rg BT 300.88 358.70 Td (ratio ) Tj ET Q q 0 0 0 rg BT 327.57 358.70 Td (is ) Tj ET Q q 0 0 0 rg BT 339.58 358.70 Td (determined ) Tj ET Q q 0 0 0 rg BT 402.95 358.70 Td (in ) Tj ET Q q 0 0 0 rg BT 415.64 358.70 Td (accordance ) Tj ET Q q 0 0 0 rg BT 481.02 358.70 Td (with ) Tj ET Q q 0 0 0 rg BT 505.70 358.70 Td (the ) Tj ET Q q 0 0 0 rg BT 525.72 358.70 Td (FDIC's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 344.30 Td (regulations ) Tj ET Q q 0 0 0 rg BT 112.04 344.30 Td (related ) Tj ET Q q 0 0 0 rg BT 152.06 344.30 Td (to ) Tj ET Q q 0 0 0 rg BT 165.41 344.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 203.43 344.30 Td (maintenance.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 317.90 Td (The ) Tj ET Q q 0 0 0 rg BT 75.94 317.90 Td (following ) Tj ET Q q 0 0 0 rg BT 127.89 317.90 Td (table ) Tj ET Q q 0 0 0 rg BT 159.17 317.90 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 228.06 317.90 Td (AFI ) Tj ET Q q 0 0 0 rg BT 251.99 317.90 Td (and ) Tj ET Q q 0 0 0 rg BT 276.23 317.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 300.83 317.90 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 341.73 317.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 381.68 317.90 Td (ratios ) Tj ET Q q 0 0 0 rg BT 416.28 317.90 Td (as ) Tj ET Q q 0 0 0 rg BT 434.21 317.90 Td (of ) Tj ET Q q 0 0 0 rg BT 449.48 317.90 Td (March ) Tj ET Q q 0 0 0 rg BT 488.08 317.90 Td (31, ) Tj ET Q q 0 0 0 rg BT 510.02 317.90 Td (2013 ) Tj ET Q q 0 0 0 rg BT 541.98 317.90 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 303.50 Td (December ) Tj ET Q q 0 0 0 rg BT 108.69 303.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 128.70 303.50 Td (2012:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 268 m 210 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 268 m 243 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243 268 m 249 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249 268 m 256 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256 268 m 263 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263 268 m 292 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292 268 m 298 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298 268 m 310 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 268 m 326 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326 268 m 363 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 268 m 369 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369 268 m 376 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376 268 m 383 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383 268 m 413 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413 268 m 419 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 268 m 433 268 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 56 250 m 200 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 250 m 210 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 250 m 243 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243 250 m 249 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249 250 m 256 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256 250 m 263 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263 250 m 292 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292 250 m 298 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298 250 m 310 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310 250 m 317 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 250 m 326 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326 250 m 363 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 250 m 369 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369 250 m 376 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376 250 m 383 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383 250 m 413 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413 250 m 419 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 250 m 433 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 250 m 440 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 250 m 473 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 250 m 479 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479 250 m 489 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489 250 m 505 250 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 250 m 555 250 l s BT /F7 9.00 Tf ET q 0 0 0 rg BT 224.70 272.40 Td (March31, 2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.10 272.26 Td (December31, 2012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 263.46 Td (Required) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.45 254.46 Td (minimum) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.60 272.26 Td (Well-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.00 263.26 Td (capitalized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.95 254.26 Td (minimum) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 58.50 254.40 Td (\() Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 61.50 254.40 Td ($ ) Tj ET Q q 0 0 0 rg BT 69.00 254.40 Td (in ) Tj ET Q q 0 0 0 rg BT 78.51 254.40 Td (millions) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 108.51 254.40 Td (\)) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 211.70 254.45 Td (Amount) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 275.50 254.45 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.20 254.46 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.75 254.46 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 241.26 Td (Risk-based ) Tj ET Q q 0 0 0 rg BT 100.74 241.26 Td (capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 228.26 Td (T) Tj ET Q q 0 0 0 rg BT 63.84 228.26 Td (ier ) Tj ET Q q 0 0 0 rg BT 75.42 228.26 Td (1 ) Tj ET Q q 0 0 0 rg BT 82.17 228.26 Td (\(to ) Tj ET Q q 0 0 0 rg BT 94.42 228.26 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 146.16 228.26 Td (assets\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 215.26 Td (AFI) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 202.00 215.40 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 214.75 215.40 Td (20,663) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 268.25 215.40 Td (14.59) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 297.50 215.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 215.26 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.75 215.26 Td (20,232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.25 215.26 Td (13.13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.00 215.26 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.75 215.26 Td (4.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.05 215.31 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 215.26 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.00 215.26 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 202.26 Td (Ally ) Tj ET Q q 0 0 0 rg BT 76.75 202.26 Td (Bank) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 214.75 202.40 Td (14,380) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 268.25 202.40 Td (16.68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.75 202.26 Td (14,136) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.25 202.26 Td (16.26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.75 202.26 Td (4.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.25 202.26 Td (6.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 189.26 Td (T) Tj ET Q q 0 0 0 rg BT 63.68 189.26 Td (otal ) Tj ET Q q 0 0 0 rg BT 79.11 189.26 Td (\(to ) Tj ET Q q 0 0 0 rg BT 91.36 189.26 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 143.10 189.26 Td (assets\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 176.26 Td (AFI) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 202.00 176.40 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 214.75 176.40 Td (22,084) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 268.25 176.40 Td (15.59) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 297.50 176.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 176.26 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.75 176.26 Td (21,669) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.25 176.26 Td (14.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.00 176.26 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.75 176.26 Td (8.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.05 176.31 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.00 176.26 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.00 176.26 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 163.26 Td (Ally ) Tj ET Q q 0 0 0 rg BT 76.75 163.26 Td (Bank) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 214.75 163.40 Td (15,073) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 268.25 163.40 Td (17.48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.75 163.26 Td (14,827) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.25 163.26 Td (17.06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.75 163.26 Td (8.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.75 163.26 Td (10.00) Tj ET Q BT /F2 10.00 Tf ET BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 142.70 Td ([T) Tj ET Q q 0 0 0 rg BT 57.17 142.70 Td (able ) Tj ET Q q 0 0 0 rg BT 76.69 142.70 Td (continues ) Tj ET Q q 0 0 0 rg BT 117.72 142.70 Td (on ) Tj ET Q q 0 0 0 rg BT 130.23 142.70 Td (the ) Tj ET Q q 0 0 0 rg BT 145.24 142.70 Td (next ) Tj ET Q q 0 0 0 rg BT 164.75 142.70 Td (page.]) Tj ET Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (16) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199 735.5 m 210 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 735.5 m 243 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243 735.5 m 249 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249 735.5 m 256 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256 735.5 m 263 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263 735.5 m 292 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292 735.5 m 298 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298 735.5 m 313 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322 735.5 m 331 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 735.5 m 364 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 735.5 m 375 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375 735.5 m 384 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 735.5 m 414 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 735.5 m 420 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 735.5 m 433 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 55 718.5 m 199 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199 718.5 m 210 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 718.5 m 243 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243 718.5 m 249 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249 718.5 m 256 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256 718.5 m 263 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263 718.5 m 292 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292 718.5 m 298 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298 718.5 m 313 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313 718.5 m 322 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322 718.5 m 331 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 718.5 m 364 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 718.5 m 375 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375 718.5 m 384 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 718.5 m 414 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 718.5 m 420 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 718.5 m 433 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 718.5 m 440 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 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687.90 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 214.75 687.90 Td (20,663) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 268.25 687.90 Td (12.01) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 300.50 687.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 687.76 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.75 687.76 Td (20,232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.25 687.76 Td (11.16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.00 687.76 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 687.76 Td (3.00-4.00%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.00 687.76 Td (\(b\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 57.50 674.76 Td (Ally ) Tj ET Q q 0 0 0 rg BT 75.75 674.76 Td (Bank) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 214.75 674.90 Td (14,380) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 268.25 674.90 Td (15.59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.75 674.76 Td (14,136) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.25 674.76 Td (15.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.25 674.76 Td (15.00) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 491.60 674.75 Td (\(c\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.50 674.76 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.00 674.76 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 57.50 661.76 Td (T) Tj ET Q q 0 0 0 rg BT 62.84 661.76 Td (ier ) Tj ET Q q 0 0 0 rg BT 79.14 661.76 Td (1 ) Tj ET Q q 0 0 0 rg BT 90.60 661.76 Td (common ) Tj ET Q q 0 0 0 rg BT 129.05 661.76 Td (\(to ) Tj ET Q q 0 0 0 rg BT 146.01 661.76 Td (risk-weighted ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 57.50 652.76 Td (assets\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 57.50 639.76 Td (AFI) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 202.00 639.90 Td ($) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 214.75 639.90 Td (11,180) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 272.75 639.90 Td (7.89) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 300.50 639.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 639.76 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.75 639.76 Td (10,749) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.75 639.76 Td (6.98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.00 639.76 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.50 639.76 Td (n/a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 639.76 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 639.76 Td (n/a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 57.50 626.76 Td (Ally ) Tj ET Q q 0 0 0 rg BT 75.75 626.76 Td (Bank) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 240.45 626.90 Td (n/a) Tj ET Q BT /F7 9.00 Tf ET q 0 0 0 rg BT 297.45 626.90 Td (n/a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.50 626.76 Td (n/a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 626.76 Td (n/a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.50 626.76 Td (n/a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 626.76 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 626.76 Td (n/a) Tj ET Q BT /F2 10.00 Tf ET BT /F5 8.00 Tf ET q 0 0 0 rg BT 68.00 613.40 Td (n/a=not applicable) Tj ET Q BT /F5 8.00 Tf ET q 0 0 0 rg BT 68.00 597.80 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 79.82 597.80 Td (Federal ) Tj ET Q q 0 0 0 rg BT 108.98 597.80 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 146.59 597.80 Td (reporting ) Tj ET Q q 0 0 0 rg BT 180.20 597.80 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 218.27 597.80 Td (require ) Tj ET Q q 0 0 0 rg BT 245.21 597.80 Td (the ) Tj ET Q q 0 0 0 rg BT 258.37 597.80 Td (calculation ) Tj ET Q q 0 0 0 rg BT 298.21 597.80 Td (of ) Tj ET Q q 0 0 0 rg BT 306.92 597.80 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 339.20 597.80 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 372.36 597.80 Td (average ) Tj ET Q q 0 0 0 rg BT 403.31 597.80 Td (assets ) Tj ET Q q 0 0 0 rg BT 428.47 597.80 Td (using ) Tj ET Q q 0 0 0 rg BT 449.63 597.80 Td (a ) Tj ET Q q 0 0 0 rg BT 456.12 597.80 Td (daily ) Tj ET Q q 0 0 0 rg BT 474.61 597.80 Td (average ) Tj ET Q q 0 0 0 rg BT 505.56 597.80 Td (methodology) Tj ET Q q 0 0 0 rg BT 550.78 597.80 Td (.) Tj ET Q BT /F5 8.00 Tf ET q 0 0 0 rg BT 68.00 582.20 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 79.86 582.20 Td (There ) Tj ET Q q 0 0 0 rg BT 102.98 582.20 Td (is ) Tj ET Q q 0 0 0 rg BT 110.98 582.20 Td (no ) Tj ET Q q 0 0 0 rg BT 121.95 582.20 Td (T) Tj ET Q q 0 0 0 rg BT 126.54 582.20 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 144.33 582.20 Td (leverage ) Tj ET Q q 0 0 0 rg BT 177.24 582.20 Td (component ) Tj ET Q q 0 0 0 rg BT 219.04 582.20 Td (in ) Tj ET Q q 0 0 0 rg BT 227.49 582.20 Td (the ) Tj ET Q q 0 0 0 rg BT 240.84 582.20 Td (definition ) Tj ET Q q 0 0 0 rg BT 275.08 582.20 Td (of ) Tj ET Q q 0 0 0 rg BT 283.98 582.20 Td (a ) Tj ET Q q 0 0 0 rg BT 290.65 582.20 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 347.12 582.20 Td (bank ) Tj ET Q q 0 0 0 rg BT 366.69 582.20 Td (holding ) Tj ET Q q 0 0 0 rg BT 394.71 582.20 Td (company) Tj ET Q q 0 0 0 rg BT 426.58 582.20 Td (.) Tj ET Q BT /F5 8.00 Tf ET q 0 0 0 rg BT 68.00 566.60 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 79.11 566.60 Td (Ally ) Tj ET Q q 0 0 0 rg BT 94.22 566.60 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 116.90 566.60 Td (in ) Tj ET Q q 0 0 0 rg BT 125.35 566.60 Td (accordance ) Tj ET Q q 0 0 0 rg BT 168.93 566.60 Td (with ) Tj ET Q q 0 0 0 rg BT 185.38 566.60 Td (the ) Tj ET Q q 0 0 0 rg BT 198.73 566.60 Td (CALMA, ) Tj ET Q q 0 0 0 rg BT 230.73 566.60 Td (is ) Tj ET Q q 0 0 0 rg BT 238.73 566.60 Td (required ) Tj ET Q q 0 0 0 rg BT 270.31 566.60 Td (to ) Tj ET Q q 0 0 0 rg BT 279.20 566.60 Td (maintain ) Tj ET Q q 0 0 0 rg BT 311.66 566.60 Td (a ) Tj ET Q q 0 0 0 rg BT 318.19 566.60 Td (T) Tj ET Q q 0 0 0 rg BT 322.78 566.60 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 340.57 566.60 Td (leverage ) Tj ET Q q 0 0 0 rg BT 373.48 566.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 391.26 566.60 Td (of ) Tj ET Q q 0 0 0 rg BT 400.16 566.60 Td (at ) Tj ET Q q 0 0 0 rg BT 409.05 566.60 Td (least ) Tj ET Q q 0 0 0 rg BT 428.17 566.60 Td (15%.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 546.20 Td (On ) Tj ET Q q 0 0 0 rg BT 69.32 546.20 Td (March31, ) Tj ET Q q 0 0 0 rg BT 126.00 546.20 Td (2013, ) Tj ET Q q 0 0 0 rg BT 158.68 546.20 Td (AFI ) Tj ET Q q 0 0 0 rg BT 180.67 546.20 Td (and ) Tj ET Q q 0 0 0 rg BT 203.35 546.20 Td (Ally ) Tj ET Q q 0 0 0 rg BT 226.00 546.20 Td (Bank ) Tj ET Q q 0 0 0 rg BT 256.66 546.20 Td (were ) Tj ET Q q 0 0 0 rg BT 285.99 546.20 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 378.67 546.20 Td (and ) Tj ET Q q 0 0 0 rg BT 402.00 546.20 Td (met ) Tj ET Q q 0 0 0 rg BT 425.32 546.20 Td (all ) Tj ET Q q 0 0 0 rg BT 440.65 546.20 Td (capital ) Tj ET Q q 0 0 0 rg BT 478.65 546.20 Td (requirements ) Tj ET Q q 0 0 0 rg BT 552.00 546.20 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 531.80 Td (which ) Tj ET Q q 0 0 0 rg BT 84.01 531.80 Td (each ) Tj ET Q q 0 0 0 rg BT 113.37 531.80 Td (was ) Tj ET Q q 0 0 0 rg BT 138.04 531.80 Td (subject.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 505.45 Td (2.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 505.45 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 505.45 Td (Basel ) Tj ET Q q 0 0 0 rg BT 121.36 505.45 Td (Capital ) Tj ET Q q 0 0 0 rg BT 164.25 505.45 Td (Accord) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 479.00 Td (The ) Tj ET Q q 0 0 0 rg BT 73.66 479.00 Td (minimum ) Tj ET Q q 0 0 0 rg BT 125.30 479.00 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 183.63 479.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 221.30 479.00 Td (requirements ) Tj ET Q q 0 0 0 rg BT 294.31 479.00 Td (adopted ) Tj ET Q q 0 0 0 rg BT 340.66 479.00 Td (by ) Tj ET Q q 0 0 0 rg BT 356.31 479.00 Td (the ) Tj ET Q q 0 0 0 rg BT 375.97 479.00 Td (federal ) Tj ET Q q 0 0 0 rg BT 415.64 479.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 460.65 479.00 Td (agencies ) Tj ET Q q 0 0 0 rg BT 511.67 479.00 Td (follow ) Tj ET Q q 0 0 0 rg BT 545.32 479.00 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 464.60 Td (Capital ) Tj ET Q q 0 0 0 rg BT 91.48 464.60 Td (Accord ) Tj ET Q q 0 0 0 rg BT 133.97 464.60 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 141.9609375 462.8890625 m 220.78515625 462.8890625 l s q 0 0 0 rg BT 141.96 464.60 Td (Capital ) Tj ET Q q 0 0 0 rg BT 183.44 464.60 Td (Accord) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 220.79 464.60 Td ( ) Tj ET Q q 0 0 0 rg BT 229.93 464.60 Td (or ) Tj ET Q q 0 0 0 rg BT 245.74 464.60 Td () Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 249.736328125 462.8890625 m 288.232421875 462.8890625 l s q 0 0 0 rg BT 249.74 464.60 Td (Basel ) Tj ET Q q 0 0 0 rg BT 284.90 464.60 Td (I) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 288.23 464.60 Td (\) ) Tj ET Q q 0 0 0 rg BT 301.37 464.60 Td (of ) Tj ET Q q 0 0 0 rg BT 316.52 464.60 Td (the ) Tj ET Q q 0 0 0 rg BT 338.35 464.60 Td (Bank ) Tj ET Q q 0 0 0 rg BT 370.84 464.60 Td (for ) Tj ET Q q 0 0 0 rg BT 389.99 464.60 Td (International ) Tj ET Q q 0 0 0 rg BT 461.18 464.60 Td (Settlements' ) Tj ET Q q 0 0 0 rg BT 531.98 464.60 Td (Basel ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 450.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 112.26 450.25 Td (on ) Tj ET Q q 0 0 0 rg BT 129.85 450.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 177.45 450.25 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 244.40 450.25 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 252.388671875 448.5390625 m 344.662109375 448.5390625 l s q 0 0 0 rg BT 252.39 450.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 286.65 450.25 Td (Committee) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 344.66 450.25 Td (\). ) Tj ET Q q 0 0 0 rg BT 360.23 450.25 Td ( ) Tj ET Q q 0 0 0 rg BT 364.20 450.25 Td (The ) Tj ET Q q 0 0 0 rg BT 389.12 450.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 429.87 450.25 Td (Accord ) Tj ET Q q 0 0 0 rg BT 471.46 450.25 Td (was ) Tj ET Q q 0 0 0 rg BT 497.04 450.25 Td (published ) Tj ET Q q 0 0 0 rg BT 552.66 450.25 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 435.85 Td (1988 ) Tj ET Q q 0 0 0 rg BT 80.98 435.85 Td (and ) Tj ET Q q 0 0 0 rg BT 105.28 435.85 Td (generally ) Tj ET Q q 0 0 0 rg BT 158.26 435.85 Td (applies ) Tj ET Q q 0 0 0 rg BT 200.57 435.85 Td (to ) Tj ET Q q 0 0 0 rg BT 214.87 435.85 Td (depository ) Tj ET Q q 0 0 0 rg BT 274.51 435.85 Td (institutions ) Tj ET Q q 0 0 0 rg BT 335.49 435.85 Td (and ) Tj ET Q q 0 0 0 rg BT 359.80 435.85 Td (their ) Tj ET Q q 0 0 0 rg BT 387.42 435.85 Td (holding ) Tj ET Q q 0 0 0 rg BT 430.41 435.85 Td (companies ) Tj ET Q q 0 0 0 rg BT 492.72 435.85 Td (in ) Tj ET Q q 0 0 0 rg BT 506.35 435.85 Td (the ) Tj ET Q q 0 0 0 rg BT 527.31 435.85 Td (United ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 421.45 Td (States. ) Tj ET Q q 0 0 0 rg BT 90.47 421.45 Td ( ) Tj ET Q q 0 0 0 rg BT 93.59 421.45 Td (In ) Tj ET Q q 0 0 0 rg BT 106.72 421.45 Td (2004, ) Tj ET Q q 0 0 0 rg BT 139.87 421.45 Td (the ) Tj ET Q q 0 0 0 rg BT 159.68 421.45 Td (Basel ) Tj ET Q q 0 0 0 rg BT 192.81 421.45 Td (Committee ) Tj ET Q q 0 0 0 rg BT 253.95 421.45 Td (published ) Tj ET Q q 0 0 0 rg BT 308.44 421.45 Td (a ) Tj ET Q q 0 0 0 rg BT 318.24 421.45 Td (revision ) Tj ET Q q 0 0 0 rg BT 362.71 421.45 Td (to ) Tj ET Q q 0 0 0 rg BT 375.84 421.45 Td (the ) Tj ET Q q 0 0 0 rg BT 395.64 421.45 Td (Capital ) Tj ET Q q 0 0 0 rg BT 435.49 421.45 Td (Accord ) Tj ET Q q 0 0 0 rg BT 475.96 421.45 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 483.95361328125 419.7390625 m 523.97314453125 419.7390625 l s q 0 0 0 rg BT 483.95 421.45 Td (BaselII) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 523.97 421.45 Td (\). ) Tj ET Q q 0 0 0 rg BT 538.42 421.45 Td ( ) Tj ET Q q 0 0 0 rg BT 541.34 421.45 Td (The ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 407.05 Td (goal ) Tj ET Q q 0 0 0 rg BT 75.29 407.05 Td (of ) Tj ET Q q 0 0 0 rg BT 87.90 407.05 Td (the ) Tj ET Q q 0 0 0 rg BT 107.18 407.05 Td (BaselII ) Tj ET Q q 0 0 0 rg BT 149.80 407.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 187.09 407.05 Td (rules ) Tj ET Q q 0 0 0 rg BT 215.70 407.05 Td (is ) Tj ET Q q 0 0 0 rg BT 226.97 407.05 Td (to ) Tj ET Q q 0 0 0 rg BT 239.58 407.05 Td (provide ) Tj ET Q q 0 0 0 rg BT 281.54 407.05 Td (more ) Tj ET Q q 0 0 0 rg BT 311.48 407.05 Td (risk-sensitive ) Tj ET Q q 0 0 0 rg BT 383.43 407.05 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 439.39 407.05 Td (capital ) Tj ET Q q 0 0 0 rg BT 476.68 407.05 Td (calculations ) Tj ET Q q 0 0 0 rg BT 541.98 407.05 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 392.65 Td (promote ) Tj ET Q q 0 0 0 rg BT 101.57 392.65 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 161.84 392.65 Td (risk-management ) Tj ET Q q 0 0 0 rg BT 262.09 392.65 Td (practices ) Tj ET Q q 0 0 0 rg BT 317.66 392.65 Td (among ) Tj ET Q q 0 0 0 rg BT 361.90 392.65 Td (large, ) Tj ET Q q 0 0 0 rg BT 399.47 392.65 Td (internationally ) Tj ET Q q 0 0 0 rg BT 481.07 392.65 Td (active ) Tj ET Q q 0 0 0 rg BT 519.96 392.65 Td (banking ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 378.25 Td (organizations. ) Tj ET Q q 0 0 0 rg BT 128.13 378.25 Td ( ) Tj ET Q q 0 0 0 rg BT 131.54 378.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 158.30 378.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 203.75 378.25 Td (regulators ) Tj ET Q q 0 0 0 rg BT 260.52 378.25 Td (published ) Tj ET Q q 0 0 0 rg BT 315.32 378.25 Td (final ) Tj ET Q q 0 0 0 rg BT 340.74 378.25 Td (BaselII ) Tj ET Q q 0 0 0 rg BT 384.18 378.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 413.60 378.25 Td (in ) Tj ET Q q 0 0 0 rg BT 426.36 378.25 Td (December2007. ) Tj ET Q q 0 0 0 rg BT 518.49 378.25 Td ( ) Tj ET Q q 0 0 0 rg BT 521.91 378.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 555.34 378.25 Td (II ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 363.85 Td (contemplated ) Tj ET Q q 0 0 0 rg BT 125.67 363.85 Td (a ) Tj ET Q q 0 0 0 rg BT 135.96 363.85 Td (three-year ) Tj ET Q q 0 0 0 rg BT 194.27 363.85 Td (transition ) Tj ET Q q 0 0 0 rg BT 246.58 363.85 Td (period ) Tj ET Q q 0 0 0 rg BT 283.55 363.85 Td (during ) Tj ET Q q 0 0 0 rg BT 320.53 363.85 Td (which ) Tj ET Q q 0 0 0 rg BT 354.83 363.85 Td (a ) Tj ET Q q 0 0 0 rg BT 365.12 363.85 Td (bank ) Tj ET Q q 0 0 0 rg BT 394.76 363.85 Td (holding ) Tj ET Q q 0 0 0 rg BT 437.08 363.85 Td (company ) Tj ET Q q 0 0 0 rg BT 489.39 363.85 Td (or ) Tj ET Q q 0 0 0 rg BT 503.68 363.85 Td (bank ) Tj ET Q q 0 0 0 rg BT 533.32 363.85 Td (could ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 349.45 Td (gradually ) Tj ET Q q 0 0 0 rg BT 101.47 349.45 Td (lower ) Tj ET Q q 0 0 0 rg BT 132.91 349.45 Td (its ) Tj ET Q q 0 0 0 rg BT 147.68 349.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 185.14 349.45 Td (level ) Tj ET Q q 0 0 0 rg BT 212.59 349.45 Td (below ) Tj ET Q q 0 0 0 rg BT 246.71 349.45 Td (the ) Tj ET Q q 0 0 0 rg BT 266.16 349.45 Td (levels ) Tj ET Q q 0 0 0 rg BT 299.61 349.45 Td (required ) Tj ET Q q 0 0 0 rg BT 346.40 349.45 Td (by ) Tj ET Q q 0 0 0 rg BT 361.85 349.45 Td (Basel ) Tj ET Q q 0 0 0 rg BT 394.63 349.45 Td (I. ) Tj ET Q q 0 0 0 rg BT 404.07 349.45 Td ( ) Tj ET Q q 0 0 0 rg BT 406.84 349.45 Td (However) Tj ET Q q 0 0 0 rg BT 453.53 349.45 Td (, ) Tj ET Q q 0 0 0 rg BT 459.63 349.45 Td (under ) Tj ET Q q 0 0 0 rg BT 493.09 349.45 Td (a ) Tj ET Q q 0 0 0 rg BT 502.53 349.45 Td (final ) Tj ET Q q 0 0 0 rg BT 527.32 349.45 Td (capital ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 335.05 Td (rule ) Tj ET Q q 0 0 0 rg BT 72.03 335.05 Td (that ) Tj ET Q q 0 0 0 rg BT 94.06 335.05 Td (implements ) Tj ET Q q 0 0 0 rg BT 157.43 335.05 Td (a ) Tj ET Q q 0 0 0 rg BT 166.13 335.05 Td (provision ) Tj ET Q q 0 0 0 rg BT 216.17 335.05 Td (of ) Tj ET Q q 0 0 0 rg BT 228.20 335.05 Td (the ) Tj ET Q q 0 0 0 rg BT 246.90 335.05 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 311.87 335.05 Td (Act, ) Tj ET Q q 0 0 0 rg BT 334.16 335.05 Td (AFI ) Tj ET Q q 0 0 0 rg BT 354.85 335.05 Td (and ) Tj ET Q q 0 0 0 rg BT 376.49 335.05 Td (Ally ) Tj ET Q q 0 0 0 rg BT 397.84 335.05 Td (Bank ) Tj ET Q q 0 0 0 rg BT 427.21 335.05 Td (must ) Tj ET Q q 0 0 0 rg BT 455.23 335.05 Td (continue ) Tj ET Q q 0 0 0 rg BT 502.62 335.05 Td (to ) Tj ET Q q 0 0 0 rg BT 514.65 335.05 Td (calculate ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 320.65 Td (their ) Tj ET Q q 0 0 0 rg BT 75.02 320.65 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 132.04 320.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 168.40 320.65 Td (requirements ) Tj ET Q q 0 0 0 rg BT 240.10 320.65 Td (under ) Tj ET Q q 0 0 0 rg BT 272.47 320.65 Td (Basel ) Tj ET Q q 0 0 0 rg BT 304.16 320.65 Td (I, ) Tj ET Q q 0 0 0 rg BT 312.50 320.65 Td (and ) Tj ET Q q 0 0 0 rg BT 334.19 320.65 Td (the ) Tj ET Q q 0 0 0 rg BT 352.54 320.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 388.90 320.65 Td (requirements ) Tj ET Q q 0 0 0 rg BT 460.61 320.65 Td (that ) Tj ET Q q 0 0 0 rg BT 482.29 320.65 Td (each ) Tj ET Q q 0 0 0 rg BT 509.99 320.65 Td (computes ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 306.25 Td (under ) Tj ET Q q 0 0 0 rg BT 84.18 306.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 117.68 306.25 Td (I ) Tj ET Q q 0 0 0 rg BT 124.50 306.25 Td (will ) Tj ET Q q 0 0 0 rg BT 144.65 306.25 Td (serve ) Tj ET Q q 0 0 0 rg BT 177.48 306.25 Td (as ) Tj ET Q q 0 0 0 rg BT 193.64 306.25 Td (a ) Tj ET Q q 0 0 0 rg BT 203.80 306.25 Td (floor ) Tj ET Q q 0 0 0 rg BT 230.63 306.25 Td (for ) Tj ET Q q 0 0 0 rg BT 248.11 306.25 Td (its ) Tj ET Q q 0 0 0 rg BT 263.60 306.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 322.44 306.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 360.61 306.25 Td (requirement ) Tj ET Q q 0 0 0 rg BT 428.13 306.25 Td (computed ) Tj ET Q q 0 0 0 rg BT 484.31 306.25 Td (under ) Tj ET Q q 0 0 0 rg BT 518.49 306.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 551.99 306.25 Td (II. ) Tj ET Q q 0 0 0 rg BT 565.33 306.25 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 291.85 Td (As ) Tj ET Q q 0 0 0 rg BT 67.04 291.85 Td (of ) Tj ET Q q 0 0 0 rg BT 80.09 291.85 Td (December ) Tj ET Q q 0 0 0 rg BT 138.49 291.85 Td (31, ) Tj ET Q q 0 0 0 rg BT 158.21 291.85 Td (2013, ) Tj ET Q q 0 0 0 rg BT 190.68 291.85 Td (Ally ) Tj ET Q q 0 0 0 rg BT 213.05 291.85 Td (is ) Tj ET Q q 0 0 0 rg BT 224.76 291.85 Td (not ) Tj ET Q q 0 0 0 rg BT 244.48 291.85 Td (required ) Tj ET Q q 0 0 0 rg BT 291.55 291.85 Td (to ) Tj ET Q q 0 0 0 rg BT 304.60 291.85 Td (comply ) Tj ET Q q 0 0 0 rg BT 345.65 291.85 Td (with ) Tj ET Q q 0 0 0 rg BT 370.03 291.85 Td (the ) Tj ET Q q 0 0 0 rg BT 389.76 291.85 Td (BaselII ) Tj ET Q q 0 0 0 rg BT 432.82 291.85 Td (rules ) Tj ET Q q 0 0 0 rg BT 461.87 291.85 Td (as ) Tj ET Q q 0 0 0 rg BT 477.58 291.85 Td (implemented ) Tj ET Q q 0 0 0 rg BT 549.32 291.85 Td (by ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 277.45 Td (the ) Tj ET Q q 0 0 0 rg BT 70.02 277.45 Td (U.S.banking ) Tj ET Q q 0 0 0 rg BT 142.06 277.45 Td (regulators.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 251.05 Td (In ) Tj ET Q q 0 0 0 rg BT 62.70 251.05 Td (addition ) Tj ET Q q 0 0 0 rg BT 107.43 251.05 Td (to ) Tj ET Q q 0 0 0 rg BT 120.13 251.05 Td (BaselII, ) Tj ET Q q 0 0 0 rg BT 166.18 251.05 Td (the ) Tj ET Q q 0 0 0 rg BT 185.56 251.05 Td (Basel ) Tj ET Q q 0 0 0 rg BT 218.27 251.05 Td (Committee ) Tj ET Q q 0 0 0 rg BT 278.98 251.05 Td (adopted ) Tj ET Q q 0 0 0 rg BT 325.05 251.05 Td (new ) Tj ET Q q 0 0 0 rg BT 349.76 251.05 Td (capital, ) Tj ET Q q 0 0 0 rg BT 390.47 251.05 Td (leverage, ) Tj ET Q q 0 0 0 rg BT 442.53 251.05 Td (and ) Tj ET Q q 0 0 0 rg BT 465.25 251.05 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 507.96 251.05 Td (guidelines ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 236.65 Td (under ) Tj ET Q q 0 0 0 rg BT 84.37 236.65 Td (the ) Tj ET Q q 0 0 0 rg BT 104.73 236.65 Td (Capital ) Tj ET Q q 0 0 0 rg BT 145.03 236.65 Td (Accord ) Tj ET Q q 0 0 0 rg BT 186.06 236.65 Td (in ) Tj ET Q q 0 0 0 rg BT 199.08 236.65 Td (December ) Tj ET Q q 0 0 0 rg BT 258.11 236.65 Td (2010 ) Tj ET Q q 0 0 0 rg BT 288.49 236.65 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 296.478515625 234.93906249999998 m 339.83203125 234.93906249999998 l s q 0 0 0 rg BT 296.48 236.65 Td (BaselIII) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 339.83 236.65 Td (\), ) Tj ET Q q 0 0 0 rg BT 354.84 236.65 Td (which ) Tj ET Q q 0 0 0 rg BT 389.20 236.65 Td (when ) Tj ET Q q 0 0 0 rg BT 421.56 236.65 Td (implemented ) Tj ET Q q 0 0 0 rg BT 493.94 236.65 Td (in ) Tj ET Q q 0 0 0 rg BT 506.96 236.65 Td (the ) Tj ET Q q 0 0 0 rg BT 527.32 236.65 Td (United ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 222.25 Td (States, ) Tj ET Q q 0 0 0 rg BT 90.87 222.25 Td (may ) Tj ET Q q 0 0 0 rg BT 117.07 222.25 Td (have ) Tj ET Q q 0 0 0 rg BT 146.61 222.25 Td (the ) Tj ET Q q 0 0 0 rg BT 166.81 222.25 Td (ef) Tj ET Q q 0 0 0 rg BT 176.60 222.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 199.46 222.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.99 222.25 Td (raising ) Tj ET Q q 0 0 0 rg BT 251.86 222.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 290.07 222.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 363.62 222.25 Td (beyond ) Tj ET Q q 0 0 0 rg BT 406.51 222.25 Td (those ) Tj ET Q q 0 0 0 rg BT 439.39 222.25 Td (required ) Tj ET Q q 0 0 0 rg BT 486.94 222.25 Td (by ) Tj ET Q q 0 0 0 rg BT 503.13 222.25 Td (current ) Tj ET Q q 0 0 0 rg BT 544.00 222.25 Td (law ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 207.85 Td (and ) Tj ET Q q 0 0 0 rg BT 72.83 207.85 Td (the ) Tj ET Q q 0 0 0 rg BT 92.33 207.85 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 157.94 207.85 Td (Act. ) Tj ET Q q 0 0 0 rg BT 181.42 207.85 Td ( ) Tj ET Q q 0 0 0 rg BT 184.23 207.85 Td (BaselIII ) Tj ET Q q 0 0 0 rg BT 230.40 207.85 Td (calls ) Tj ET Q q 0 0 0 rg BT 257.21 207.85 Td (for ) Tj ET Q q 0 0 0 rg BT 274.03 207.85 Td (an ) Tj ET Q q 0 0 0 rg BT 290.19 207.85 Td (increase ) Tj ET Q q 0 0 0 rg BT 338.36 207.85 Td (of ) Tj ET Q q 0 0 0 rg BT 351.18 207.85 Td (the ) Tj ET Q q 0 0 0 rg BT 370.67 207.85 Td (minimum ) Tj ET Q q 0 0 0 rg BT 421.97 207.85 Td (T) Tj ET Q q 0 0 0 rg BT 428.85 207.85 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 455.01 207.85 Td (common ) Tj ET Q q 0 0 0 rg BT 503.83 207.85 Td (equity ) Tj ET Q q 0 0 0 rg BT 538.66 207.85 Td (ratio ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 193.45 Td (to ) Tj ET Q q 0 0 0 rg BT 62.86 193.45 Td (4.5%, ) Tj ET Q q 0 0 0 rg BT 96.39 193.45 Td (net ) Tj ET Q q 0 0 0 rg BT 115.93 193.45 Td (of ) Tj ET Q q 0 0 0 rg BT 128.79 193.45 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 185.00 193.45 Td (deductions, ) Tj ET Q q 0 0 0 rg BT 249.22 193.45 Td (and ) Tj ET Q q 0 0 0 rg BT 272.10 193.45 Td (introduces ) Tj ET Q q 0 0 0 rg BT 330.31 193.45 Td (a ) Tj ET Q q 0 0 0 rg BT 339.84 193.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 377.38 193.45 Td (conservation ) Tj ET Q q 0 0 0 rg BT 448.26 193.45 Td (buf) Tj ET Q q 0 0 0 rg BT 464.73 193.45 Td (fer ) Tj ET Q q 0 0 0 rg BT 481.58 193.45 Td (of ) Tj ET Q q 0 0 0 rg BT 494.44 193.45 Td (an ) Tj ET Q q 0 0 0 rg BT 510.64 193.45 Td (additional ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 179.05 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 80.82 179.05 Td (of ) Tj ET Q q 0 0 0 rg BT 94.30 179.05 Td (common ) Tj ET Q q 0 0 0 rg BT 143.79 179.05 Td (equity ) Tj ET Q q 0 0 0 rg BT 179.28 179.05 Td (to ) Tj ET Q q 0 0 0 rg BT 192.76 179.05 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 266.93 179.05 Td (assets, ) Tj ET Q q 0 0 0 rg BT 308.42 179.05 Td (raising ) Tj ET Q q 0 0 0 rg BT 347.24 179.05 Td (the ) Tj ET Q q 0 0 0 rg BT 367.39 179.05 Td (target ) Tj ET Q q 0 0 0 rg BT 401.55 179.05 Td (minimum ) Tj ET Q q 0 0 0 rg BT 453.69 179.05 Td (common ) Tj ET Q q 0 0 0 rg BT 503.18 179.05 Td (equity ) Tj ET Q q 0 0 0 rg BT 538.67 179.05 Td (ratio ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 164.65 Td (to ) Tj ET Q q 0 0 0 rg BT 65.10 164.65 Td (7.0%. ) Tj ET Q q 0 0 0 rg BT 100.87 164.65 Td ( ) Tj ET Q q 0 0 0 rg BT 105.96 164.65 Td (BaselIII ) Tj ET Q q 0 0 0 rg BT 154.40 164.65 Td (increases ) Tj ET Q q 0 0 0 rg BT 210.84 164.65 Td (the ) Tj ET Q q 0 0 0 rg BT 232.61 164.65 Td (minimum ) Tj ET Q q 0 0 0 rg BT 286.04 164.65 Td (T) Tj ET Q q 0 0 0 rg BT 292.92 164.65 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 321.35 164.65 Td (capitalratio ) Tj ET Q q 0 0 0 rg BT 387.81 164.65 Td (to ) Tj ET Q q 0 0 0 rg BT 402.90 164.65 Td (8.5% ) Tj ET Q q 0 0 0 rg BT 435.34 164.65 Td (\(inclusive ) Tj ET Q q 0 0 0 rg BT 490.45 164.65 Td (of ) Tj ET Q q 0 0 0 rg BT 505.54 164.65 Td (the ) Tj ET Q q 0 0 0 rg BT 527.31 164.65 Td (capital ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 150.25 Td (conservation ) Tj ET Q q 0 0 0 rg BT 121.96 150.25 Td (buf) Tj ET Q q 0 0 0 rg BT 138.42 150.25 Td (fer\), ) Tj ET Q q 0 0 0 rg BT 163.67 150.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 218.95 150.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.54 150.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 291.88 150.25 Td (T) Tj ET Q q 0 0 0 rg BT 297.88 150.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 321.14 150.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 359.74 150.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 387.00 150.25 Td (to ) Tj ET Q q 0 0 0 rg BT 400.93 150.25 Td (10.5% ) Tj ET Q q 0 0 0 rg BT 438.87 150.25 Td (\(inclusive ) Tj ET Q q 0 0 0 rg BT 492.80 150.25 Td (of ) Tj ET Q q 0 0 0 rg BT 506.73 150.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.33 150.25 Td (capital ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 135.85 Td (conservation ) Tj ET Q q 0 0 0 rg BT 120.29 135.85 Td (buf) Tj ET Q q 0 0 0 rg BT 136.75 135.85 Td (fer\), ) Tj ET Q q 0 0 0 rg BT 160.34 135.85 Td (and ) Tj ET Q q 0 0 0 rg BT 182.61 135.85 Td (introduces ) Tj ET Q q 0 0 0 rg BT 240.22 135.85 Td (a ) Tj ET Q q 0 0 0 rg BT 249.15 135.85 Td (countercyclical ) Tj ET Q q 0 0 0 rg BT 330.10 135.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 367.03 135.85 Td (buf) Tj ET Q q 0 0 0 rg BT 383.50 135.85 Td (fer ) Tj ET Q q 0 0 0 rg BT 399.75 135.85 Td (of ) Tj ET Q q 0 0 0 rg BT 412.01 135.85 Td (up ) Tj ET Q q 0 0 0 rg BT 427.61 135.85 Td (to ) Tj ET Q q 0 0 0 rg BT 439.87 135.85 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 469.47 135.85 Td (of ) Tj ET Q q 0 0 0 rg BT 481.72 135.85 Td (common ) Tj ET Q q 0 0 0 rg BT 529.99 135.85 Td (equity ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 121.45 Td (or ) Tj ET Q q 0 0 0 rg BT 64.25 121.45 Td (other ) Tj ET Q q 0 0 0 rg BT 95.19 121.45 Td (fully ) Tj ET Q q 0 0 0 rg BT 120.11 121.45 Td (loss ) Tj ET Q q 0 0 0 rg BT 145.04 121.45 Td (absorbing ) Tj ET Q q 0 0 0 rg BT 201.33 121.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 239.60 121.45 Td (for ) Tj ET Q q 0 0 0 rg BT 257.19 121.45 Td (periods ) Tj ET Q q 0 0 0 rg BT 300.13 121.45 Td (of ) Tj ET Q q 0 0 0 rg BT 313.72 121.45 Td (excess ) Tj ET Q q 0 0 0 rg BT 354.66 121.45 Td (credit ) Tj ET Q q 0 0 0 rg BT 387.58 121.45 Td (growth. ) Tj ET Q q 0 0 0 rg BT 430.52 121.45 Td ( ) Tj ET Q q 0 0 0 rg BT 434.10 121.45 Td (BaselIII ) Tj ET Q q 0 0 0 rg BT 481.04 121.45 Td (also ) Tj ET Q q 0 0 0 rg BT 506.64 121.45 Td (introduces ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 107.05 Td (a ) Tj ET Q q 0 0 0 rg BT 60.28 107.05 Td (non-risk ) Tj ET Q q 0 0 0 rg BT 106.57 107.05 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 155.31 107.05 Td (T) Tj ET Q q 0 0 0 rg BT 162.20 107.05 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 189.15 107.05 Td (leverage ) Tj ET Q q 0 0 0 rg BT 238.79 107.05 Td (ratio ) Tj ET Q q 0 0 0 rg BT 265.75 107.05 Td (of ) Tj ET Q q 0 0 0 rg BT 279.36 107.05 Td (3%, ) Tj ET Q q 0 0 0 rg BT 303.65 107.05 Td (based ) Tj ET Q q 0 0 0 rg BT 339.95 107.05 Td (on ) Tj ET Q q 0 0 0 rg BT 356.91 107.05 Td (a ) Tj ET Q q 0 0 0 rg BT 367.19 107.05 Td (measure ) Tj ET Q q 0 0 0 rg BT 417.49 107.05 Td (of ) Tj ET Q q 0 0 0 rg BT 431.10 107.05 Td (the ) Tj ET Q q 0 0 0 rg BT 451.40 107.05 Td (total ) Tj ET Q q 0 0 0 rg BT 477.69 107.05 Td (exposure ) Tj ET Q q 0 0 0 rg BT 530.66 107.05 Td (rather ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 92.65 Td (than ) Tj ET Q q 0 0 0 rg BT 75.20 92.65 Td (total ) Tj ET Q q 0 0 0 rg BT 99.73 92.65 Td (assets, ) Tj ET Q q 0 0 0 rg BT 139.59 92.65 Td (and ) Tj ET Q q 0 0 0 rg BT 161.45 92.65 Td (new ) Tj ET Q q 0 0 0 rg BT 185.31 92.65 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 227.17 92.65 Td (standards. ) Tj ET Q q 0 0 0 rg BT 285.05 92.65 Td ( ) Tj ET Q q 0 0 0 rg BT 286.77 92.65 Td (The ) Tj ET Q q 0 0 0 rg BT 309.30 92.65 Td (BaselIII ) Tj ET Q q 0 0 0 rg BT 354.49 92.65 Td (capital, ) Tj ET Q q 0 0 0 rg BT 394.36 92.65 Td (leverage, ) Tj ET Q q 0 0 0 rg BT 445.57 92.65 Td (and ) Tj ET Q q 0 0 0 rg BT 467.44 92.65 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 509.30 92.65 Td (standards ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 78.25 Td (will ) Tj ET Q q 0 0 0 rg BT 69.20 78.25 Td (be ) Tj ET Q q 0 0 0 rg BT 85.08 78.25 Td (phased ) Tj ET Q q 0 0 0 rg BT 126.98 78.25 Td (in ) Tj ET Q q 0 0 0 rg BT 138.86 78.25 Td (over ) Tj ET Q q 0 0 0 rg BT 164.74 78.25 Td (a ) Tj ET Q q 0 0 0 rg BT 173.95 78.25 Td (multi-year ) Tj ET Q q 0 0 0 rg BT 229.16 78.25 Td (period. ) Tj ET Q q 0 0 0 rg BT 268.38 78.25 Td ( ) Tj ET Q q 0 0 0 rg BT 270.75 78.25 Td (The ) Tj ET Q q 0 0 0 rg BT 293.96 78.25 Td (Basel ) Tj ET Q q 0 0 0 rg BT 326.52 78.25 Td (III ) Tj ET Q q 0 0 0 rg BT 339.05 78.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 367.60 78.25 Td (also ) Tj ET Q q 0 0 0 rg BT 392.15 78.25 Td (call ) Tj ET Q q 0 0 0 rg BT 412.69 78.25 Td (for ) Tj ET Q q 0 0 0 rg BT 429.23 78.25 Td (a ) Tj ET Q q 0 0 0 rg BT 438.43 78.25 Td (15% ) Tj ET Q q 0 0 0 rg BT 464.99 78.25 Td (cap ) Tj ET Q q 0 0 0 rg BT 486.87 78.25 Td (on ) Tj ET Q q 0 0 0 rg BT 502.75 78.25 Td (the ) Tj ET Q q 0 0 0 rg BT 521.97 78.25 Td (amount ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 63.85 Td (of ) Tj ET Q q 0 0 0 rg BT 62.98 63.85 Td (T) Tj ET Q q 0 0 0 rg BT 69.87 63.85 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 96.39 63.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 134.26 63.85 Td (that ) Tj ET Q q 0 0 0 rg BT 157.46 63.85 Td (can ) Tj ET Q q 0 0 0 rg BT 179.99 63.85 Td (be ) Tj ET Q q 0 0 0 rg BT 196.51 63.85 Td (met, ) Tj ET Q q 0 0 0 rg BT 223.03 63.85 Td (in ) Tj ET Q q 0 0 0 rg BT 235.55 63.85 Td (the ) Tj ET Q q 0 0 0 rg BT 255.42 63.85 Td (aggregate, ) Tj ET Q q 0 0 0 rg BT 315.98 63.85 Td (through ) Tj ET Q q 0 0 0 rg BT 359.86 63.85 Td (significant ) Tj ET Q q 0 0 0 rg BT 416.40 63.85 Td (investments ) Tj ET Q q 0 0 0 rg BT 483.61 63.85 Td (in ) Tj ET Q q 0 0 0 rg BT 496.13 63.85 Td (the ) Tj ET Q q 0 0 0 rg BT 515.99 63.85 Td (common ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 49.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 90.60 49.45 Td (of ) Tj ET Q q 0 0 0 rg BT 105.19 49.45 Td (unconsolidated ) Tj ET Q q 0 0 0 rg BT 190.50 49.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 239.11 49.45 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 310.39 49.45 Td (MSRs, ) Tj ET Q q 0 0 0 rg BT 350.98 49.45 Td (and ) Tj ET Q q 0 0 0 rg BT 375.58 49.45 Td (deferred ) Tj ET Q q 0 0 0 rg BT 424.86 49.45 Td (tax ) Tj ET Q q 0 0 0 rg BT 445.45 49.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 484.71 49.45 Td (through ) Tj ET Q q 0 0 0 rg BT 529.99 49.45 Td (timing ) Tj ET Q endstream endobj 35 0 obj <> endobj 36 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (17) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (dif) Tj ET Q q 0 0 0 rg BT 62.46 740.30 Td (ferences. ) Tj ET Q q 0 0 0 rg BT 115.52 740.30 Td ( ) Tj ET Q q 0 0 0 rg BT 119.23 740.30 Td (In ) Tj ET Q q 0 0 0 rg BT 132.95 740.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 182.03 740.30 Td (under ) Tj ET Q q 0 0 0 rg BT 216.43 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 236.82 740.30 Td (BaselIII ) Tj ET Q q 0 0 0 rg BT 283.88 740.30 Td (rules, ) Tj ET Q q 0 0 0 rg BT 316.93 740.30 Td (after ) Tj ET Q q 0 0 0 rg BT 344.65 740.30 Td (a ) Tj ET Q q 0 0 0 rg BT 355.03 740.30 Td (ten-year ) Tj ET Q q 0 0 0 rg BT 402.76 740.30 Td (phase-out ) Tj ET Q q 0 0 0 rg BT 459.85 740.30 Td (period ) Tj ET Q q 0 0 0 rg BT 496.91 740.30 Td (beginning ) Tj ET Q q 0 0 0 rg BT 552.67 740.30 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (January2013, ) Tj ET Q q 0 0 0 rg BT 129.59 725.90 Td (trust ) Tj ET Q q 0 0 0 rg BT 156.45 725.90 Td (preferred ) Tj ET Q q 0 0 0 rg BT 208.68 725.90 Td (and ) Tj ET Q q 0 0 0 rg BT 232.23 725.90 Td (other ) Tj ET Q q 0 0 0 rg BT 263.11 725.90 Td ("hybrid" ) Tj ET Q q 0 0 0 rg BT 307.84 725.90 Td (securities ) Tj ET Q q 0 0 0 rg BT 362.06 725.90 Td (will ) Tj ET Q q 0 0 0 rg BT 382.25 725.90 Td (no ) Tj ET Q q 0 0 0 rg BT 399.13 725.90 Td (longer ) Tj ET Q q 0 0 0 rg BT 436.02 725.90 Td (qualify ) Tj ET Q q 0 0 0 rg BT 474.24 725.90 Td (as ) Tj ET Q q 0 0 0 rg BT 490.21 725.90 Td (T) Tj ET Q q 0 0 0 rg BT 497.10 725.90 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 523.97 725.90 Td (capital. ) Tj ET Q q 0 0 0 rg BT 565.33 725.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 711.50 Td (However) Tj ET Q q 0 0 0 rg BT 96.69 711.50 Td (, ) Tj ET Q q 0 0 0 rg BT 103.43 711.50 Td (under ) Tj ET Q q 0 0 0 rg BT 137.54 711.50 Td (the ) Tj ET Q q 0 0 0 rg BT 157.63 711.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 223.72 711.50 Td (Act, ) Tj ET Q q 0 0 0 rg BT 247.81 711.50 Td (subject ) Tj ET Q q 0 0 0 rg BT 289.24 711.50 Td (to ) Tj ET Q q 0 0 0 rg BT 302.66 711.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 342.09 711.50 Td (exceptions ) Tj ET Q q 0 0 0 rg BT 402.87 711.50 Td (\() Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 406.87 711.50 Td (e.g.,) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 430.22 711.50 Td ( ) Tj ET Q q 0 0 0 rg BT 433.63 711.50 Td (for ) Tj ET Q q 0 0 0 rg BT 451.04 711.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 477.81 711.50 Td (or ) Tj ET Q q 0 0 0 rg BT 491.89 711.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 527.33 711.50 Td (issued ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 62.28 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.23 697.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 106.84 697.10 Td (government ) Tj ET Q q 0 0 0 rg BT 172.48 697.10 Td (under ) Tj ET Q q 0 0 0 rg BT 205.44 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.40 697.10 Td (Emergency ) Tj ET Q q 0 0 0 rg BT 287.36 697.10 Td (Economic ) Tj ET Q q 0 0 0 rg BT 342.32 697.10 Td (Stabilization ) Tj ET Q q 0 0 0 rg BT 408.84 697.10 Td (Act\), ) Tj ET Q q 0 0 0 rg BT 435.78 697.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 461.39 697.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 512.35 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 534.64 697.10 Td (other ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 682.70 Td ("hybrid" ) Tj ET Q q 0 0 0 rg BT 95.58 682.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 150.64 682.70 Td (are ) Tj ET Q q 0 0 0 rg BT 172.37 682.70 Td (phased ) Tj ET Q q 0 0 0 rg BT 216.12 682.70 Td (out ) Tj ET Q q 0 0 0 rg BT 237.18 682.70 Td (from ) Tj ET Q q 0 0 0 rg BT 265.27 682.70 Td (T) Tj ET Q q 0 0 0 rg BT 272.15 682.70 Td (ier ) Tj ET Q q 0 0 0 rg BT 289.87 682.70 Td (1 ) Tj ET Q q 0 0 0 rg BT 300.92 682.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 339.99 682.70 Td (over ) Tj ET Q q 0 0 0 rg BT 367.71 682.70 Td (a ) Tj ET Q q 0 0 0 rg BT 378.76 682.70 Td (three-year ) Tj ET Q q 0 0 0 rg BT 437.83 682.70 Td (period ) Tj ET Q q 0 0 0 rg BT 475.57 682.70 Td (starting ) Tj ET Q q 0 0 0 rg BT 519.30 682.70 Td (January ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 668.30 Td (2013.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (In ) Tj ET Q q 0 0 0 rg BT 62.32 641.90 Td (July ) Tj ET Q q 0 0 0 rg BT 85.97 641.90 Td (2013, ) Tj ET Q q 0 0 0 rg BT 118.32 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 137.31 641.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 162.96 641.90 Td (federal ) Tj ET Q q 0 0 0 rg BT 201.97 641.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 246.32 641.90 Td (agencies ) Tj ET Q q 0 0 0 rg BT 296.67 641.90 Td (finalized ) Tj ET Q q 0 0 0 rg BT 343.01 641.90 Td (rules ) Tj ET Q q 0 0 0 rg BT 371.33 641.90 Td (implementing ) Tj ET Q q 0 0 0 rg BT 445.01 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 464.01 641.90 Td (Basel ) Tj ET Q q 0 0 0 rg BT 496.34 641.90 Td (III ) Tj ET Q q 0 0 0 rg BT 508.65 641.90 Td (regulatory ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 627.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 89.67 627.50 Td (framework ) Tj ET Q q 0 0 0 rg BT 150.65 627.50 Td (and ) Tj ET Q q 0 0 0 rg BT 175.65 627.50 Td (related ) Tj ET Q q 0 0 0 rg BT 217.32 627.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 284.67 627.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 306.99 627.50 Td (changes. ) Tj ET Q q 0 0 0 rg BT 360.67 627.50 Td ( ) Tj ET Q q 0 0 0 rg BT 365.32 627.50 Td (The ) Tj ET Q q 0 0 0 rg BT 390.98 627.50 Td (final ) Tj ET Q q 0 0 0 rg BT 417.97 627.50 Td (rules ) Tj ET Q q 0 0 0 rg BT 448.96 627.50 Td (represent ) Tj ET Q q 0 0 0 rg BT 504.63 627.50 Td (substantial ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (revisions ) Tj ET Q q 0 0 0 rg BT 102.05 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.75 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.13 613.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 196.19 613.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 235.57 613.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 266.28 613.10 Td (for ) Tj ET Q q 0 0 0 rg BT 284.98 613.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 331.71 613.10 Td (organizations. ) Tj ET Q q 0 0 0 rg BT 411.12 613.10 Td ( ) Tj ET Q q 0 0 0 rg BT 415.82 613.10 Td (Highlights ) Tj ET Q q 0 0 0 rg BT 473.21 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.91 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.29 613.10 Td (final ) Tj ET Q q 0 0 0 rg BT 536.00 613.10 Td (rules ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (include ) Tj ET Q q 0 0 0 rg BT 91.35 598.70 Td (a ) Tj ET Q q 0 0 0 rg BT 101.34 598.70 Td (revised ) Tj ET Q q 0 0 0 rg BT 143.34 598.70 Td (definition ) Tj ET Q q 0 0 0 rg BT 194.70 598.70 Td (of ) Tj ET Q q 0 0 0 rg BT 208.02 598.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 246.03 598.70 Td (in ) Tj ET Q q 0 0 0 rg BT 258.69 598.70 Td (order ) Tj ET Q q 0 0 0 rg BT 290.02 598.70 Td (to ) Tj ET Q q 0 0 0 rg BT 303.35 598.70 Td (implement ) Tj ET Q q 0 0 0 rg BT 362.02 598.70 Td (the ) Tj ET Q q 0 0 0 rg BT 382.02 598.70 Td (Basel ) Tj ET Q q 0 0 0 rg BT 415.36 598.70 Td (III ) Tj ET Q q 0 0 0 rg BT 428.68 598.70 Td (reforms ) Tj ET Q q 0 0 0 rg BT 472.67 598.70 Td (as ) Tj ET Q q 0 0 0 rg BT 488.67 598.70 Td (well ) Tj ET Q q 0 0 0 rg BT 512.66 598.70 Td (as ) Tj ET Q q 0 0 0 rg BT 528.65 598.70 Td (higher ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (minimum ) Tj ET Q q 0 0 0 rg BT 102.40 584.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 140.82 584.30 Td (ratios ) Tj ET Q q 0 0 0 rg BT 173.90 584.30 Td (that ) Tj ET Q q 0 0 0 rg BT 197.65 584.30 Td (will ) Tj ET Q q 0 0 0 rg BT 218.05 584.30 Td (apply ) Tj ET Q q 0 0 0 rg BT 250.47 584.30 Td (to ) Tj ET Q q 0 0 0 rg BT 264.21 584.30 Td (most ) Tj ET Q q 0 0 0 rg BT 293.95 584.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 339.72 584.30 Td (organizations. ) Tj ET Q q 0 0 0 rg BT 418.17 584.30 Td ( ) Tj ET Q q 0 0 0 rg BT 421.66 584.30 Td (The ) Tj ET Q q 0 0 0 rg BT 446.07 584.30 Td (final ) Tj ET Q q 0 0 0 rg BT 471.82 584.30 Td (rules ) Tj ET Q q 0 0 0 rg BT 501.57 584.30 Td (remove ) Tj ET Q q 0 0 0 rg BT 545.31 584.30 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 569.90 Td (use ) Tj ET Q q 0 0 0 rg BT 73.66 569.90 Td (of ) Tj ET Q q 0 0 0 rg BT 87.98 569.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 121.64 569.90 Td (ratings ) Tj ET Q q 0 0 0 rg BT 161.97 569.90 Td (from ) Tj ET Q q 0 0 0 rg BT 190.28 569.90 Td (both ) Tj ET Q q 0 0 0 rg BT 217.95 569.90 Td (the ) Tj ET Q q 0 0 0 rg BT 238.94 569.90 Td (standardized ) Tj ET Q q 0 0 0 rg BT 311.97 569.90 Td (and ) Tj ET Q q 0 0 0 rg BT 336.30 569.90 Td (advanced ) Tj ET Q q 0 0 0 rg BT 392.66 569.90 Td (approaches, ) Tj ET Q q 0 0 0 rg BT 463.02 569.90 Td (as ) Tj ET Q q 0 0 0 rg BT 480.00 569.90 Td (required ) Tj ET Q q 0 0 0 rg BT 528.34 569.90 Td (by ) Tj ET Q q 0 0 0 rg BT 545.33 569.90 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 555.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 116.23 555.50 Td (Act. ) Tj ET Q q 0 0 0 rg BT 140.49 555.50 Td ( ) Tj ET Q q 0 0 0 rg BT 144.08 555.50 Td (In ) Tj ET Q q 0 0 0 rg BT 157.67 555.50 Td (addition, ) Tj ET Q q 0 0 0 rg BT 206.63 555.50 Td (the ) Tj ET Q q 0 0 0 rg BT 226.89 555.50 Td (standards ) Tj ET Q q 0 0 0 rg BT 283.18 555.50 Td (in ) Tj ET Q q 0 0 0 rg BT 296.11 555.50 Td (the ) Tj ET Q q 0 0 0 rg BT 316.37 555.50 Td (existing ) Tj ET Q q 0 0 0 rg BT 360.65 555.50 Td (Basel ) Tj ET Q q 0 0 0 rg BT 394.25 555.50 Td (I ) Tj ET Q q 0 0 0 rg BT 401.17 555.50 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 460.11 555.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 498.39 555.50 Td (rules, ) Tj ET Q q 0 0 0 rg BT 531.32 555.50 Td (which ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (are ) Tj ET Q q 0 0 0 rg BT 71.33 541.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 117.33 541.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.31 541.10 Td (as ) Tj ET Q q 0 0 0 rg BT 147.97 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.63 541.10 Td (general ) Tj ET Q q 0 0 0 rg BT 216.64 541.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 275.98 541.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 314.65 541.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 395.99 541.10 Td (have ) Tj ET Q q 0 0 0 rg BT 426.00 541.10 Td (been ) Tj ET Q q 0 0 0 rg BT 456.67 541.10 Td (revised ) Tj ET Q q 0 0 0 rg BT 499.34 541.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.33 541.10 Td (include ) Tj ET Q q 0 0 0 rg BT 555.34 541.10 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 526.70 Td (more ) Tj ET Q q 0 0 0 rg BT 82.49 526.70 Td (risk-sensitive ) Tj ET Q q 0 0 0 rg BT 156.98 526.70 Td (risk-weighting ) Tj ET Q q 0 0 0 rg BT 235.49 526.70 Td (approach. ) Tj ET Q q 0 0 0 rg BT 294.01 526.70 Td ( ) Tj ET Q q 0 0 0 rg BT 298.83 526.70 Td (The ) Tj ET Q q 0 0 0 rg BT 324.65 526.70 Td (phase-in ) Tj ET Q q 0 0 0 rg BT 375.83 526.70 Td (period ) Tj ET Q q 0 0 0 rg BT 414.34 526.70 Td (applicable ) Tj ET Q q 0 0 0 rg BT 473.53 526.70 Td (to ) Tj ET Q q 0 0 0 rg BT 487.67 526.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 512.15 526.70 Td (begins ) Tj ET Q q 0 0 0 rg BT 552.66 526.70 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 512.30 Td (January ) Tj ET Q q 0 0 0 rg BT 96.03 512.30 Td (2015.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 485.90 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 116.74 485.90 Td (with ) Tj ET Q q 0 0 0 rg BT 141.46 485.90 Td (evolving ) Tj ET Q q 0 0 0 rg BT 188.86 485.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 226.92 485.90 Td (requirements ) Tj ET Q q 0 0 0 rg BT 300.33 485.90 Td (is ) Tj ET Q q 0 0 0 rg BT 312.37 485.90 Td (a ) Tj ET Q q 0 0 0 rg BT 322.42 485.90 Td (strategic ) Tj ET Q q 0 0 0 rg BT 371.15 485.90 Td (priority ) Tj ET Q q 0 0 0 rg BT 410.53 485.90 Td (for ) Tj ET Q q 0 0 0 rg BT 427.24 485.90 Td (Ally) Tj ET Q q 0 0 0 rg BT 445.69 485.90 Td (. ) Tj ET Q q 0 0 0 rg BT 452.40 485.90 Td ( ) Tj ET Q q 0 0 0 rg BT 455.11 485.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 477.82 485.90 Td (expects ) Tj ET Q q 0 0 0 rg BT 522.55 485.90 Td (to ) Tj ET Q q 0 0 0 rg BT 535.93 485.90 Td (be ) Tj ET Q q 0 0 0 rg BT 552.66 485.90 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 471.50 Td (compliance ) Tj ET Q q 0 0 0 rg BT 114.03 471.50 Td (with ) Tj ET Q q 0 0 0 rg BT 138.71 471.50 Td (all ) Tj ET Q q 0 0 0 rg BT 154.04 471.50 Td (applicable ) Tj ET Q q 0 0 0 rg BT 211.42 471.50 Td (requirements ) Tj ET Q q 0 0 0 rg BT 284.79 471.50 Td (within ) Tj ET Q q 0 0 0 rg BT 318.80 471.50 Td (the ) Tj ET Q q 0 0 0 rg BT 338.81 471.50 Td (established ) Tj ET Q q 0 0 0 rg BT 402.86 471.50 Td (timeframes.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (3.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 445.10 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 445.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 129.34 445.10 Td (Planning ) Tj ET Q q 0 0 0 rg BT 183.34 445.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.01 445.10 Td (Stress ) Tj ET Q q 0 0 0 rg BT 248.04 445.10 Td (T) Tj ET Q q 0 0 0 rg BT 254.47 445.10 Td (ests) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 418.70 Td (In ) Tj ET Q q 0 0 0 rg BT 67.12 418.70 Td (December ) Tj ET Q q 0 0 0 rg BT 129.58 418.70 Td (201) Tj ET Q q 0 0 0 rg BT 148.71 418.70 Td (1, ) Tj ET Q q 0 0 0 rg BT 165.82 418.70 Td (the ) Tj ET Q q 0 0 0 rg BT 189.61 418.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 220.06 418.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 269.20 418.70 Td (regulators ) Tj ET Q q 0 0 0 rg BT 329.67 418.70 Td (imposed ) Tj ET Q q 0 0 0 rg BT 382.14 418.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 423.93 418.70 Td (planning ) Tj ET Q q 0 0 0 rg BT 476.42 418.70 Td (and ) Tj ET Q q 0 0 0 rg BT 503.54 418.70 Td (stress ) Tj ET Q q 0 0 0 rg BT 542.66 418.70 Td (test ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 404.30 Td (requirements ) Tj ET Q q 0 0 0 rg BT 123.60 404.30 Td (on ) Tj ET Q q 0 0 0 rg BT 140.52 404.30 Td (bank ) Tj ET Q q 0 0 0 rg BT 170.11 404.30 Td (holding ) Tj ET Q q 0 0 0 rg BT 212.38 404.30 Td (companies ) Tj ET Q q 0 0 0 rg BT 273.97 404.30 Td (with ) Tj ET Q q 0 0 0 rg BT 298.88 404.30 Td ($50.0 ) Tj ET Q q 0 0 0 rg BT 332.48 404.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 366.73 404.30 Td (or ) Tj ET Q q 0 0 0 rg BT 380.97 404.30 Td (more ) Tj ET Q q 0 0 0 rg BT 411.88 404.30 Td (of ) Tj ET Q q 0 0 0 rg BT 425.46 404.30 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 496.41 404.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 537.99 404.30 Td ( ) Tj ET Q q 0 0 0 rg BT 541.33 404.30 Td (The ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 389.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 89.11 389.90 Td (planning ) Tj ET Q q 0 0 0 rg BT 138.91 389.90 Td (regime ) Tj ET Q q 0 0 0 rg BT 180.02 389.90 Td (requires ) Tj ET Q q 0 0 0 rg BT 226.92 389.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 250.68 389.90 Td (to ) Tj ET Q q 0 0 0 rg BT 265.11 389.90 Td (submit ) Tj ET Q q 0 0 0 rg BT 304.88 389.90 Td (a ) Tj ET Q q 0 0 0 rg BT 315.98 389.90 Td (proposed ) Tj ET Q q 0 0 0 rg BT 370.44 389.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 409.55 389.90 Td (plan ) Tj ET Q q 0 0 0 rg BT 436.67 389.90 Td (to ) Tj ET Q q 0 0 0 rg BT 451.10 389.90 Td (the ) Tj ET Q q 0 0 0 rg BT 472.20 389.90 Td (Federal ) Tj ET Q q 0 0 0 rg BT 517.32 389.90 Td (Reserve ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 375.50 Td (every ) Tj ET Q q 0 0 0 rg BT 84.20 375.50 Td (January) Tj ET Q q 0 0 0 rg BT 126.00 375.50 Td (, ) Tj ET Q q 0 0 0 rg BT 134.18 375.50 Td (which ) Tj ET Q q 0 0 0 rg BT 169.72 375.50 Td (the ) Tj ET Q q 0 0 0 rg BT 191.25 375.50 Td (Federal ) Tj ET Q q 0 0 0 rg BT 236.79 375.50 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 286.33 375.50 Td (must ) Tj ET Q q 0 0 0 rg BT 317.19 375.50 Td (take ) Tj ET Q q 0 0 0 rg BT 344.72 375.50 Td (action ) Tj ET Q q 0 0 0 rg BT 381.60 375.50 Td (on ) Tj ET Q q 0 0 0 rg BT 399.80 375.50 Td (by ) Tj ET Q q 0 0 0 rg BT 417.32 375.50 Td (the ) Tj ET Q q 0 0 0 rg BT 438.86 375.50 Td (following ) Tj ET Q q 0 0 0 rg BT 490.40 375.50 Td (March. ) Tj ET Q q 0 0 0 rg BT 531.93 375.50 Td ( ) Tj ET Q q 0 0 0 rg BT 536.78 375.50 Td ( ) Tj ET Q q 0 0 0 rg BT 541.32 375.50 Td (The ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 103.16 361.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 140.97 361.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 166.78 361.10 Td (must ) Tj ET Q q 0 0 0 rg BT 195.90 361.10 Td (include ) Tj ET Q q 0 0 0 rg BT 237.05 361.10 Td (a ) Tj ET Q q 0 0 0 rg BT 246.84 361.10 Td (description ) Tj ET Q q 0 0 0 rg BT 307.99 361.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.12 361.10 Td (all ) Tj ET Q q 0 0 0 rg BT 336.25 361.10 Td (planned ) Tj ET Q q 0 0 0 rg BT 382.08 361.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 419.89 361.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 461.03 361.10 Td (over ) Tj ET Q q 0 0 0 rg BT 487.49 361.10 Td (a ) Tj ET Q q 0 0 0 rg BT 497.29 361.10 Td (nine-quarter ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 346.70 Td (planning ) Tj ET Q q 0 0 0 rg BT 97.35 346.70 Td (horizon, ) Tj ET Q q 0 0 0 rg BT 142.02 346.70 Td (including ) Tj ET Q q 0 0 0 rg BT 191.37 346.70 Td ( ) Tj ET Q q 0 0 0 rg BT 193.35 346.70 Td (issuance ) Tj ET Q q 0 0 0 rg BT 242.69 346.70 Td (of ) Tj ET Q q 0 0 0 rg BT 254.67 346.70 Td (any ) Tj ET Q q 0 0 0 rg BT 276.00 346.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 301.33 346.70 Td (or ) Tj ET Q q 0 0 0 rg BT 313.98 346.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 347.98 346.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 384.64 346.70 Td (instrument, ) Tj ET Q q 0 0 0 rg BT 445.98 346.70 Td (any ) Tj ET Q q 0 0 0 rg BT 467.30 346.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 503.97 346.70 Td (distribution ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 332.30 Td (and ) Tj ET Q q 0 0 0 rg BT 75.83 332.30 Td (any ) Tj ET Q q 0 0 0 rg BT 100.98 332.30 Td (similar ) Tj ET Q q 0 0 0 rg BT 141.45 332.30 Td (action ) Tj ET Q q 0 0 0 rg BT 179.28 332.30 Td (that ) Tj ET Q q 0 0 0 rg BT 205.10 332.30 Td (the ) Tj ET Q q 0 0 0 rg BT 227.59 332.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 274.09 332.30 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 324.58 332.30 Td (determines ) Tj ET Q q 0 0 0 rg BT 389.74 332.30 Td (could ) Tj ET Q q 0 0 0 rg BT 424.24 332.30 Td (have ) Tj ET Q q 0 0 0 rg BT 456.07 332.30 Td (an ) Tj ET Q q 0 0 0 rg BT 475.22 332.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 516.37 332.30 Td (on ) Tj ET Q q 0 0 0 rg BT 534.37 332.30 Td (Ally's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 317.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 121.57 317.90 Td (capital. ) Tj ET Q q 0 0 0 rg BT 163.79 317.90 Td ( ) Tj ET Q q 0 0 0 rg BT 167.70 317.90 Td (The ) Tj ET Q q 0 0 0 rg BT 192.57 317.90 Td (proposed ) Tj ET Q q 0 0 0 rg BT 246.80 317.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 285.68 317.90 Td (plan ) Tj ET Q q 0 0 0 rg BT 312.56 317.90 Td (must ) Tj ET Q q 0 0 0 rg BT 342.75 317.90 Td (also ) Tj ET Q q 0 0 0 rg BT 368.96 317.90 Td (include ) Tj ET Q q 0 0 0 rg BT 411.17 317.90 Td (a ) Tj ET Q q 0 0 0 rg BT 422.04 317.90 Td (discussion ) Tj ET Q q 0 0 0 rg BT 482.25 317.90 Td (of ) Tj ET Q q 0 0 0 rg BT 496.45 317.90 Td (how ) Tj ET Q q 0 0 0 rg BT 521.82 317.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 545.35 317.90 Td (will ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 303.50 Td (maintain ) Tj ET Q q 0 0 0 rg BT 98.82 303.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 136.96 303.50 Td (above ) Tj ET Q q 0 0 0 rg BT 173.12 303.50 Td (the ) Tj ET Q q 0 0 0 rg BT 193.26 303.50 Td (minimum ) Tj ET Q q 0 0 0 rg BT 245.39 303.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 302.21 303.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 340.35 303.50 Td (ratios ) Tj ET Q q 0 0 0 rg BT 373.16 303.50 Td (and ) Tj ET Q q 0 0 0 rg BT 396.64 303.50 Td (above ) Tj ET Q q 0 0 0 rg BT 432.79 303.50 Td (a ) Tj ET Q q 0 0 0 rg BT 442.70 303.50 Td (T) Tj ET Q q 0 0 0 rg BT 449.59 303.50 Td (ier ) Tj ET Q q 0 0 0 rg BT 466.38 303.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 476.52 303.50 Td (common ) Tj ET Q q 0 0 0 rg BT 525.99 303.50 Td (equity-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (to-total ) Tj ET Q q 0 0 0 rg BT 91.29 289.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 166.59 289.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 205.88 289.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 233.83 289.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.45 289.10 Td (5%, ) Tj ET Q q 0 0 0 rg BT 273.73 289.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.36 289.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 332.31 289.10 Td (as ) Tj ET Q q 0 0 0 rg BT 349.59 289.10 Td (a ) Tj ET Q q 0 0 0 rg BT 360.87 289.10 Td (source ) Tj ET Q q 0 0 0 rg BT 401.50 289.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.11 289.10 Td (strength ) Tj ET Q q 0 0 0 rg BT 464.08 289.10 Td (to ) Tj ET Q q 0 0 0 rg BT 477.78 289.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 501.72 289.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 537.01 289.10 Td ( ) Tj ET Q q 0 0 0 rg BT 541.32 289.10 Td (The ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 274.70 Td (Federal ) Tj ET Q q 0 0 0 rg BT 93.02 274.70 Td (Reserve's ) Tj ET Q q 0 0 0 rg BT 148.32 274.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 185.33 274.70 Td (plan ) Tj ET Q q 0 0 0 rg BT 210.35 274.70 Td (rule ) Tj ET Q q 0 0 0 rg BT 232.69 274.70 Td (requires ) Tj ET Q q 0 0 0 rg BT 278.37 274.70 Td (that ) Tj ET Q q 0 0 0 rg BT 300.25 274.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 321.91 274.70 Td (receive ) Tj ET Q q 0 0 0 rg BT 362.93 274.70 Td (no ) Tj ET Q q 0 0 0 rg BT 378.60 274.70 Td (objection ) Tj ET Q q 0 0 0 rg BT 428.97 274.70 Td (from ) Tj ET Q q 0 0 0 rg BT 455.29 274.70 Td (the ) Tj ET Q q 0 0 0 rg BT 474.30 274.70 Td (Federal ) Tj ET Q q 0 0 0 rg BT 517.32 274.70 Td (Reserve ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 260.30 Td (before ) Tj ET Q q 0 0 0 rg BT 86.95 260.30 Td (making ) Tj ET Q q 0 0 0 rg BT 128.56 260.30 Td (a ) Tj ET Q q 0 0 0 rg BT 138.16 260.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 175.77 260.30 Td (distribution. ) Tj ET Q q 0 0 0 rg BT 240.06 260.30 Td ( ) Tj ET Q q 0 0 0 rg BT 242.99 260.30 Td (If ) Tj ET Q q 0 0 0 rg BT 252.58 260.30 Td (the ) Tj ET Q q 0 0 0 rg BT 272.19 260.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 315.80 260.30 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 363.41 260.30 Td (objects ) Tj ET Q q 0 0 0 rg BT 404.36 260.30 Td (to ) Tj ET Q q 0 0 0 rg BT 417.29 260.30 Td (the ) Tj ET Q q 0 0 0 rg BT 436.90 260.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 474.51 260.30 Td (plan, ) Tj ET Q q 0 0 0 rg BT 503.46 260.30 Td (or ) Tj ET Q q 0 0 0 rg BT 517.05 260.30 Td (if ) Tj ET Q q 0 0 0 rg BT 525.98 260.30 Td (certain ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 245.90 Td (material ) Tj ET Q q 0 0 0 rg BT 96.76 245.90 Td (events ) Tj ET Q q 0 0 0 rg BT 136.19 245.90 Td (occur ) Tj ET Q q 0 0 0 rg BT 169.61 245.90 Td (after ) Tj ET Q q 0 0 0 rg BT 197.70 245.90 Td (approval ) Tj ET Q q 0 0 0 rg BT 247.81 245.90 Td (of ) Tj ET Q q 0 0 0 rg BT 261.90 245.90 Td (a ) Tj ET Q q 0 0 0 rg BT 272.65 245.90 Td (plan, ) Tj ET Q q 0 0 0 rg BT 301.94 245.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 325.35 245.90 Td (must ) Tj ET Q q 0 0 0 rg BT 355.44 245.90 Td (submit ) Tj ET Q q 0 0 0 rg BT 394.86 245.90 Td (a ) Tj ET Q q 0 0 0 rg BT 405.61 245.90 Td (revised ) Tj ET Q q 0 0 0 rg BT 448.37 245.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 487.14 245.90 Td (plan ) Tj ET Q q 0 0 0 rg BT 513.90 245.90 Td (within ) Tj ET Q q 0 0 0 rg BT 548.66 245.90 Td (30 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 231.50 Td (days. ) Tj ET Q q 0 0 0 rg BT 82.00 231.50 Td ( ) Tj ET Q q 0 0 0 rg BT 85.31 231.50 Td (In ) Tj ET Q q 0 0 0 rg BT 98.64 231.50 Td (addition, ) Tj ET Q q 0 0 0 rg BT 147.32 231.50 Td (even ) Tj ET Q q 0 0 0 rg BT 176.66 231.50 Td (with ) Tj ET Q q 0 0 0 rg BT 201.32 231.50 Td (an ) Tj ET Q q 0 0 0 rg BT 217.98 231.50 Td (approved ) Tj ET Q q 0 0 0 rg BT 271.33 231.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 309.34 231.50 Td (plan, ) Tj ET Q q 0 0 0 rg BT 338.02 231.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 360.67 231.50 Td (must ) Tj ET Q q 0 0 0 rg BT 389.99 231.50 Td (seek ) Tj ET Q q 0 0 0 rg BT 418.65 231.50 Td (the ) Tj ET Q q 0 0 0 rg BT 438.65 231.50 Td (approval ) Tj ET Q q 0 0 0 rg BT 488.00 231.50 Td (of ) Tj ET Q q 0 0 0 rg BT 501.32 231.50 Td (the ) Tj ET Q q 0 0 0 rg BT 521.32 231.50 Td (Federal ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 100.22 217.10 Td (before ) Tj ET Q q 0 0 0 rg BT 139.79 217.10 Td (making ) Tj ET Q q 0 0 0 rg BT 184.01 217.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.22 217.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 236.45 217.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 300.02 217.10 Td (if, ) Tj ET Q q 0 0 0 rg BT 314.89 217.10 Td (among ) Tj ET Q q 0 0 0 rg BT 357.12 217.10 Td (other ) Tj ET Q q 0 0 0 rg BT 390.01 217.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 433.79 217.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 458.67 217.10 Td (would ) Tj ET Q q 0 0 0 rg BT 495.56 217.10 Td (not ) Tj ET Q q 0 0 0 rg BT 517.78 217.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 550.00 217.10 Td (its ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 202.70 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 106.70 202.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 144.72 202.70 Td (requirements ) Tj ET Q q 0 0 0 rg BT 218.08 202.70 Td (after ) Tj ET Q q 0 0 0 rg BT 245.43 202.70 Td (making ) Tj ET Q q 0 0 0 rg BT 287.45 202.70 Td (the ) Tj ET Q q 0 0 0 rg BT 307.46 202.70 Td (proposed ) Tj ET Q q 0 0 0 rg BT 360.83 202.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 398.86 202.70 Td (distribution.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 176.30 Td (In ) Tj ET Q q 0 0 0 rg BT 61.98 176.30 Td (October ) Tj ET Q q 0 0 0 rg BT 106.64 176.30 Td (2012, ) Tj ET Q q 0 0 0 rg BT 138.64 176.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 163.95 176.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 207.96 176.30 Td (regulators ) Tj ET Q q 0 0 0 rg BT 263.30 176.30 Td (issued ) Tj ET Q q 0 0 0 rg BT 299.96 176.30 Td (final ) Tj ET Q q 0 0 0 rg BT 323.94 176.30 Td (rules ) Tj ET Q q 0 0 0 rg BT 351.93 176.30 Td (on ) Tj ET Q q 0 0 0 rg BT 367.25 176.30 Td (stress ) Tj ET Q q 0 0 0 rg BT 401.22 176.30 Td (testing. ) Tj ET Q q 0 0 0 rg BT 441.89 176.30 Td ( ) Tj ET Q q 0 0 0 rg BT 443.73 176.30 Td (The ) Tj ET Q q 0 0 0 rg BT 466.38 176.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 509.04 176.30 Td (Reserve's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 161.90 Td (final ) Tj ET Q q 0 0 0 rg BT 75.07 161.90 Td (rule ) Tj ET Q q 0 0 0 rg BT 98.13 161.90 Td (requires ) Tj ET Q q 0 0 0 rg BT 143.93 161.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 166.32 161.90 Td (to ) Tj ET Q q 0 0 0 rg BT 179.38 161.90 Td (conduct ) Tj ET Q q 0 0 0 rg BT 224.47 161.90 Td (semi-annual ) Tj ET Q q 0 0 0 rg BT 292.89 161.90 Td (\(annual ) Tj ET Q q 0 0 0 rg BT 335.98 161.90 Td (and ) Tj ET Q q 0 0 0 rg BT 359.05 161.90 Td (mid-cycle\) ) Tj ET Q q 0 0 0 rg BT 416.77 161.90 Td (stress ) Tj ET Q q 0 0 0 rg BT 451.83 161.90 Td (tests ) Tj ET Q q 0 0 0 rg BT 480.23 161.90 Td (under ) Tj ET Q q 0 0 0 rg BT 513.97 161.90 Td (baseline, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 147.50 Td (adverse, ) Tj ET Q q 0 0 0 rg BT 100.42 147.50 Td (and ) Tj ET Q q 0 0 0 rg BT 124.83 147.50 Td (severely ) Tj ET Q q 0 0 0 rg BT 173.90 147.50 Td (adverse ) Tj ET Q q 0 0 0 rg BT 220.98 147.50 Td (economic ) Tj ET Q q 0 0 0 rg BT 276.73 147.50 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 332.48 147.50 Td (over ) Tj ET Q q 0 0 0 rg BT 360.21 147.50 Td (a ) Tj ET Q q 0 0 0 rg BT 371.28 147.50 Td (nine-quarter ) Tj ET Q q 0 0 0 rg BT 440.38 147.50 Td (planning ) Tj ET Q q 0 0 0 rg BT 490.14 147.50 Td (horizon. ) Tj ET Q q 0 0 0 rg BT 537.22 147.50 Td ( ) Tj ET Q q 0 0 0 rg BT 541.33 147.50 Td (The ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (FDIC's ) Tj ET Q q 0 0 0 rg BT 89.40 133.10 Td (final ) Tj ET Q q 0 0 0 rg BT 114.53 133.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 137.66 133.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 183.51 133.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 205.96 133.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 236.43 133.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.55 133.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 294.70 133.10 Td (an ) Tj ET Q q 0 0 0 rg BT 311.16 133.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 350.31 133.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 385.43 133.10 Td (test ) Tj ET Q q 0 0 0 rg BT 407.89 133.10 Td (under ) Tj ET Q q 0 0 0 rg BT 441.69 133.10 Td (baseline, ) Tj ET Q q 0 0 0 rg BT 492.85 133.10 Td (adverse, ) Tj ET Q q 0 0 0 rg BT 541.99 133.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 118.70 Td (severely ) Tj ET Q q 0 0 0 rg BT 98.66 118.70 Td (adverse ) Tj ET Q q 0 0 0 rg BT 145.33 118.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 200.67 118.70 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 256.00 118.70 Td (over ) Tj ET Q q 0 0 0 rg BT 283.33 118.70 Td (a ) Tj ET Q q 0 0 0 rg BT 293.98 118.70 Td (nine-quarter ) Tj ET Q q 0 0 0 rg BT 362.66 118.70 Td (planning ) Tj ET Q q 0 0 0 rg BT 412.02 118.70 Td (horizon. ) Tj ET Q q 0 0 0 rg BT 458.69 118.70 Td ( ) Tj ET Q q 0 0 0 rg BT 462.66 118.70 Td (Under ) Tj ET Q q 0 0 0 rg BT 499.33 118.70 Td (these ) Tj ET Q q 0 0 0 rg BT 532.66 118.70 Td (rules, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 104.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.14 104.30 Td (and ) Tj ET Q q 0 0 0 rg BT 94.41 104.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 116.55 104.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 146.70 104.30 Td (are ) Tj ET Q q 0 0 0 rg BT 166.85 104.30 Td (required ) Tj ET Q q 0 0 0 rg BT 213.68 104.30 Td (to ) Tj ET Q q 0 0 0 rg BT 226.49 104.30 Td (submit ) Tj ET Q q 0 0 0 rg BT 264.64 104.30 Td (the ) Tj ET Q q 0 0 0 rg BT 284.12 104.30 Td (results ) Tj ET Q q 0 0 0 rg BT 322.27 104.30 Td (of ) Tj ET Q q 0 0 0 rg BT 335.08 104.30 Td (these ) Tj ET Q q 0 0 0 rg BT 367.24 104.30 Td (stress ) Tj ET Q q 0 0 0 rg BT 402.05 104.30 Td (tests ) Tj ET Q q 0 0 0 rg BT 430.19 104.30 Td (to ) Tj ET Q q 0 0 0 rg BT 443.00 104.30 Td (regulators ) Tj ET Q q 0 0 0 rg BT 499.17 104.30 Td (and ) Tj ET Q q 0 0 0 rg BT 521.99 104.30 Td (publicly ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 89.90 Td (disclose ) Tj ET Q q 0 0 0 rg BT 97.52 89.90 Td (the ) Tj ET Q q 0 0 0 rg BT 118.36 89.90 Td (results ) Tj ET Q q 0 0 0 rg BT 157.87 89.90 Td (of ) Tj ET Q q 0 0 0 rg BT 172.04 89.90 Td (the ) Tj ET Q q 0 0 0 rg BT 192.88 89.90 Td (stress ) Tj ET Q q 0 0 0 rg BT 229.05 89.90 Td (tests ) Tj ET Q q 0 0 0 rg BT 258.55 89.90 Td (under ) Tj ET Q q 0 0 0 rg BT 293.41 89.90 Td (the ) Tj ET Q q 0 0 0 rg BT 314.25 89.90 Td (severely ) Tj ET Q q 0 0 0 rg BT 363.10 89.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 409.95 89.90 Td (economic ) Tj ET Q q 0 0 0 rg BT 465.47 89.90 Td (scenario. ) Tj ET Q q 0 0 0 rg BT 518.32 89.90 Td ( ) Tj ET Q q 0 0 0 rg BT 522.49 89.90 Td (Per ) Tj ET Q q 0 0 0 rg BT 545.32 89.90 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 75.50 Td (rules, ) Tj ET Q q 0 0 0 rg BT 84.50 75.50 Td (the ) Tj ET Q q 0 0 0 rg BT 106.33 75.50 Td (regulators ) Tj ET Q q 0 0 0 rg BT 164.84 75.50 Td (will ) Tj ET Q q 0 0 0 rg BT 186.66 75.50 Td (also ) Tj ET Q q 0 0 0 rg BT 213.83 75.50 Td (publish, ) Tj ET Q q 0 0 0 rg BT 260.34 75.50 Td (by ) Tj ET Q q 0 0 0 rg BT 278.17 75.50 Td (March ) Tj ET Q q 0 0 0 rg BT 316.66 75.50 Td (31 ) Tj ET Q q 0 0 0 rg BT 335.16 75.50 Td (of ) Tj ET Q q 0 0 0 rg BT 350.32 75.50 Td (each ) Tj ET Q q 0 0 0 rg BT 381.49 75.50 Td (calendar ) Tj ET Q q 0 0 0 rg BT 432.68 75.50 Td (year) Tj ET Q q 0 0 0 rg BT 455.36 75.50 Td (, ) Tj ET Q q 0 0 0 rg BT 463.84 75.50 Td (a ) Tj ET Q q 0 0 0 rg BT 475.67 75.50 Td (summary ) Tj ET Q q 0 0 0 rg BT 530.16 75.50 Td (of ) Tj ET Q q 0 0 0 rg BT 545.32 75.50 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 114.69 61.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 150.03 61.10 Td (test ) Tj ET Q q 0 0 0 rg BT 172.70 61.10 Td (results ) Tj ET Q q 0 0 0 rg BT 211.38 61.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.72 61.10 Td (each ) Tj ET Q q 0 0 0 rg BT 258.07 61.10 Td (company) Tj ET Q q 0 0 0 rg BT 305.87 61.10 Td (.) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (18) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (Stress ) Tj ET Q q 0 0 0 rg BT 87.77 740.30 Td (tests ) Tj ET Q q 0 0 0 rg BT 116.86 740.30 Td (are ) Tj ET Q q 0 0 0 rg BT 137.97 740.30 Td (intended ) Tj ET Q q 0 0 0 rg BT 187.77 740.30 Td (to ) Tj ET Q q 0 0 0 rg BT 201.53 740.30 Td (provide ) Tj ET Q q 0 0 0 rg BT 244.65 740.30 Td (supervisors ) Tj ET Q q 0 0 0 rg BT 309.76 740.30 Td (with ) Tj ET Q q 0 0 0 rg BT 334.85 740.30 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 420.65 740.30 Td (information ) Tj ET Q q 0 0 0 rg BT 483.77 740.30 Td (to ) Tj ET Q q 0 0 0 rg BT 497.53 740.30 Td (help ) Tj ET Q q 0 0 0 rg BT 523.98 740.30 Td (identify ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (downside ) Tj ET Q q 0 0 0 rg BT 105.19 725.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 128.34 725.90 Td (and ) Tj ET Q q 0 0 0 rg BT 152.85 725.90 Td (the ) Tj ET Q q 0 0 0 rg BT 174.02 725.90 Td (potential ) Tj ET Q q 0 0 0 rg BT 223.88 725.90 Td (ef) Tj ET Q q 0 0 0 rg BT 233.67 725.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 257.50 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 271.99 725.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 319.17 725.90 Td (conditions ) Tj ET Q q 0 0 0 rg BT 377.70 725.90 Td (on ) Tj ET Q q 0 0 0 rg BT 395.53 725.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 434.71 725.90 Td (adequacy) Tj ET Q q 0 0 0 rg BT 485.86 725.90 Td (. ) Tj ET Q q 0 0 0 rg BT 493.68 725.90 Td ( ) Tj ET Q q 0 0 0 rg BT 498.17 725.90 Td (Stress ) Tj ET Q q 0 0 0 rg BT 536.67 725.90 Td (tests ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 711.50 Td (required ) Tj ET Q q 0 0 0 rg BT 98.34 711.50 Td (under ) Tj ET Q q 0 0 0 rg BT 133.35 711.50 Td (the ) Tj ET Q q 0 0 0 rg BT 154.35 711.50 Td (Federal ) Tj ET Q q 0 0 0 rg BT 199.35 711.50 Td (Reserve's ) Tj ET Q q 0 0 0 rg BT 256.64 711.50 Td (final ) Tj ET Q q 0 0 0 rg BT 282.97 711.50 Td (rule ) Tj ET Q q 0 0 0 rg BT 307.29 711.50 Td (are ) Tj ET Q q 0 0 0 rg BT 328.95 711.50 Td (integrated ) Tj ET Q q 0 0 0 rg BT 386.64 711.50 Td (into ) Tj ET Q q 0 0 0 rg BT 410.30 711.50 Td (the ) Tj ET Q q 0 0 0 rg BT 431.30 711.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 470.30 711.50 Td (planning ) Tj ET Q q 0 0 0 rg BT 520.00 711.50 Td (process ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (under ) Tj ET Q q 0 0 0 rg BT 83.99 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.96 697.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 147.95 697.10 Td (Reserve's ) Tj ET Q q 0 0 0 rg BT 204.21 697.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 242.20 697.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 268.18 697.10 Td (rule. ) Tj ET Q q 0 0 0 rg BT 294.82 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 298.11 697.10 Td (In ) Tj ET Q q 0 0 0 rg BT 311.42 697.10 Td (January ) Tj ET Q q 0 0 0 rg BT 357.40 697.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 390.07 697.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 412.70 697.10 Td (submitted ) Tj ET Q q 0 0 0 rg BT 468.02 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.00 697.10 Td (required ) Tj ET Q q 0 0 0 rg BT 535.32 697.10 Td (2013 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 682.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 87.25 682.70 Td (plan ) Tj ET Q q 0 0 0 rg BT 112.51 682.70 Td (and ) Tj ET Q q 0 0 0 rg BT 135.10 682.70 Td (stress ) Tj ET Q q 0 0 0 rg BT 169.67 682.70 Td (tests ) Tj ET Q q 0 0 0 rg BT 197.58 682.70 Td (as ) Tj ET Q q 0 0 0 rg BT 212.82 682.70 Td (required ) Tj ET Q q 0 0 0 rg BT 259.42 682.70 Td (by ) Tj ET Q q 0 0 0 rg BT 274.66 682.70 Td (these ) Tj ET Q q 0 0 0 rg BT 306.58 682.70 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 371.19 682.70 Td ( ) Tj ET Q q 0 0 0 rg BT 373.75 682.70 Td (In ) Tj ET Q q 0 0 0 rg BT 386.33 682.70 Td (March ) Tj ET Q q 0 0 0 rg BT 422.24 682.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 454.83 682.70 Td (the ) Tj ET Q q 0 0 0 rg BT 474.08 682.70 Td (Federal ) Tj ET Q q 0 0 0 rg BT 517.34 682.70 Td (Reserve ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 668.30 Td (objected ) Tj ET Q q 0 0 0 rg BT 98.55 668.30 Td (to ) Tj ET Q q 0 0 0 rg BT 111.73 668.30 Td (the ) Tj ET Q q 0 0 0 rg BT 131.59 668.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 169.45 668.30 Td (plan ) Tj ET Q q 0 0 0 rg BT 195.31 668.30 Td (both ) Tj ET Q q 0 0 0 rg BT 221.85 668.30 Td (on ) Tj ET Q q 0 0 0 rg BT 238.37 668.30 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 302.92 668.30 Td (and ) Tj ET Q q 0 0 0 rg BT 326.12 668.30 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 383.33 668.30 Td (grounds. ) Tj ET Q q 0 0 0 rg BT 433.21 668.30 Td ( ) Tj ET Q q 0 0 0 rg BT 435.75 668.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 458.27 668.30 Td (submitted ) Tj ET Q q 0 0 0 rg BT 513.47 668.30 Td (a ) Tj ET Q q 0 0 0 rg BT 523.32 668.30 Td (revised ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 653.90 Td (capital ) Tj ET Q q 0 0 0 rg BT 88.43 653.90 Td (plan ) Tj ET Q q 0 0 0 rg BT 114.87 653.90 Td (on ) Tj ET Q q 0 0 0 rg BT 131.96 653.90 Td (September ) Tj ET Q q 0 0 0 rg BT 194.40 653.90 Td (6, ) Tj ET Q q 0 0 0 rg BT 208.16 653.90 Td (2013. ) Tj ET Q q 0 0 0 rg BT 241.93 653.90 Td ( ) Tj ET Q q 0 0 0 rg BT 245.44 653.90 Td (The ) Tj ET Q q 0 0 0 rg BT 269.86 653.90 Td (Federal ) Tj ET Q q 0 0 0 rg BT 314.29 653.90 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 362.72 653.90 Td (announced ) Tj ET Q q 0 0 0 rg BT 425.86 653.90 Td (that ) Tj ET Q q 0 0 0 rg BT 449.62 653.90 Td (it ) Tj ET Q q 0 0 0 rg BT 459.36 653.90 Td (has ) Tj ET Q q 0 0 0 rg BT 482.46 653.90 Td (not ) Tj ET Q q 0 0 0 rg BT 502.88 653.90 Td (objected ) Tj ET Q q 0 0 0 rg BT 552.00 653.90 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 639.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 82.30 639.50 Td (revised ) Tj ET Q q 0 0 0 rg BT 125.66 639.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 165.02 639.50 Td (plan ) Tj ET Q q 0 0 0 rg BT 192.39 639.50 Td (on ) Tj ET Q q 0 0 0 rg BT 210.41 639.50 Td (November ) Tj ET Q q 0 0 0 rg BT 270.44 639.50 Td (15, ) Tj ET Q q 0 0 0 rg BT 291.80 639.50 Td (2013. ) Tj ET Q q 0 0 0 rg BT 326.50 639.50 Td ( ) Tj ET Q q 0 0 0 rg BT 331.18 639.50 Td (In ) Tj ET Q q 0 0 0 rg BT 345.86 639.50 Td (connection ) Tj ET Q q 0 0 0 rg BT 408.58 639.50 Td (with ) Tj ET Q q 0 0 0 rg BT 434.59 639.50 Td (its ) Tj ET Q q 0 0 0 rg BT 451.27 639.50 Td (reviews, ) Tj ET Q q 0 0 0 rg BT 499.95 639.50 Td (the ) Tj ET Q q 0 0 0 rg BT 521.31 639.50 Td (Federal ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 98.10 625.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 152.88 625.10 Td (to ) Tj ET Q q 0 0 0 rg BT 166.31 625.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 209.08 625.10 Td (its ) Tj ET Q q 0 0 0 rg BT 224.50 625.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 273.94 625.10 Td (for ) Tj ET Q q 0 0 0 rg BT 291.36 625.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 339.48 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 362.92 625.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 405.68 625.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 461.12 625.10 Td (on ) Tj ET Q q 0 0 0 rg BT 477.89 625.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 529.99 625.10 Td (equity ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 610.70 Td (and ) Tj ET Q q 0 0 0 rg BT 72.91 610.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 99.16 610.70 Td (instruments ) Tj ET Q q 0 0 0 rg BT 164.07 610.70 Td (included ) Tj ET Q q 0 0 0 rg BT 211.66 610.70 Td (in ) Tj ET Q q 0 0 0 rg BT 223.32 610.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 253.84 610.70 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 310.09 610.70 Td (capital, ) Tj ET Q q 0 0 0 rg BT 351.00 610.70 Td (including ) Tj ET Q q 0 0 0 rg BT 401.26 610.70 Td (preferred ) Tj ET Q q 0 0 0 rg BT 452.84 610.70 Td (stock, ) Tj ET Q q 0 0 0 rg BT 487.08 610.70 Td (trust ) Tj ET Q q 0 0 0 rg BT 513.31 610.70 Td (preferred ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 596.30 Td (securities, ) Tj ET Q q 0 0 0 rg BT 107.35 596.30 Td (and ) Tj ET Q q 0 0 0 rg BT 130.71 596.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 203.43 596.30 Td (debt.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 569.90 Td (4.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 569.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 569.90 Td (Funding ) Tj ET Q q 0 0 0 rg BT 136.65 569.90 Td (and ) Tj ET Q q 0 0 0 rg BT 161.32 569.90 Td (Liquidity) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 543.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 80.81 543.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 123.37 543.50 Td (strategy ) Tj ET Q q 0 0 0 rg BT 169.24 543.50 Td (largely ) Tj ET Q q 0 0 0 rg BT 207.78 543.50 Td (focuses ) Tj ET Q q 0 0 0 rg BT 252.32 543.50 Td (on ) Tj ET Q q 0 0 0 rg BT 268.86 543.50 Td (the ) Tj ET Q q 0 0 0 rg BT 288.73 543.50 Td (development ) Tj ET Q q 0 0 0 rg BT 360.63 543.50 Td (of ) Tj ET Q q 0 0 0 rg BT 373.82 543.50 Td (diversified ) Tj ET Q q 0 0 0 rg BT 431.04 543.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 473.59 543.50 Td (sources, ) Tj ET Q q 0 0 0 rg BT 522.13 543.50 Td (which ) Tj ET Q q 0 0 0 rg BT 556.00 543.50 Td (it ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (manages ) Tj ET Q q 0 0 0 rg BT 102.11 529.10 Td (across ) Tj ET Q q 0 0 0 rg BT 140.20 529.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 192.30 529.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 249.06 529.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 297.82 529.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.58 529.10 Td (investor ) Tj ET Q q 0 0 0 rg BT 365.35 529.10 Td (groups. ) Tj ET Q q 0 0 0 rg BT 408.12 529.10 Td ( ) Tj ET Q q 0 0 0 rg BT 410.31 529.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 432.40 529.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 464.50 529.10 Td (its ) Tj ET Q q 0 0 0 rg BT 479.24 529.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 516.67 529.10 Td (primarily ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 514.70 Td (with ) Tj ET Q q 0 0 0 rg BT 74.96 514.70 Td (a ) Tj ET Q q 0 0 0 rg BT 85.26 514.70 Td (mix ) Tj ET Q q 0 0 0 rg BT 107.54 514.70 Td (of ) Tj ET Q q 0 0 0 rg BT 121.17 514.70 Td (retail ) Tj ET Q q 0 0 0 rg BT 150.80 514.70 Td (and ) Tj ET Q q 0 0 0 rg BT 174.45 514.70 Td (brokered ) Tj ET Q q 0 0 0 rg BT 225.43 514.70 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 277.08 514.70 Td (public ) Tj ET Q q 0 0 0 rg BT 312.06 514.70 Td (and ) Tj ET Q q 0 0 0 rg BT 335.70 514.70 Td (private ) Tj ET Q q 0 0 0 rg BT 375.34 514.70 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 450.34 514.70 Td (securitizations, ) Tj ET Q q 0 0 0 rg BT 533.32 514.70 Td (asset ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 500.30 Td (sales, ) Tj ET Q q 0 0 0 rg BT 84.68 500.30 Td (committed ) Tj ET Q q 0 0 0 rg BT 143.36 500.30 Td (and ) Tj ET Q q 0 0 0 rg BT 166.72 500.30 Td (uncommitted ) Tj ET Q q 0 0 0 rg BT 238.75 500.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 271.43 500.30 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 320.77 500.30 Td (and ) Tj ET Q q 0 0 0 rg BT 344.13 500.30 Td (public ) Tj ET Q q 0 0 0 rg BT 378.82 500.30 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 438.19 500.30 Td (debt.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 473.90 Td (The ) Tj ET Q q 0 0 0 rg BT 74.04 473.90 Td (diversity ) Tj ET Q q 0 0 0 rg BT 121.40 473.90 Td (of ) Tj ET Q q 0 0 0 rg BT 134.10 473.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 165.09 473.90 Td (funding ) Tj ET Q q 0 0 0 rg BT 207.82 473.90 Td (sources ) Tj ET Q q 0 0 0 rg BT 253.19 473.90 Td (enhances ) Tj ET Q q 0 0 0 rg BT 308.59 473.90 Td (funding ) Tj ET Q q 0 0 0 rg BT 351.32 473.90 Td (flexibility) Tj ET Q q 0 0 0 rg BT 395.78 473.90 Td (, ) Tj ET Q q 0 0 0 rg BT 402.47 473.90 Td (limits ) Tj ET Q q 0 0 0 rg BT 433.16 473.90 Td (dependence ) Tj ET Q q 0 0 0 rg BT 502.58 473.90 Td (on ) Tj ET Q q 0 0 0 rg BT 519.28 473.90 Td (any ) Tj ET Q q 0 0 0 rg BT 541.99 473.90 Td (one ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 459.50 Td (source, ) Tj ET Q q 0 0 0 rg BT 92.25 459.50 Td (and ) Tj ET Q q 0 0 0 rg BT 115.17 459.50 Td (results ) Tj ET Q q 0 0 0 rg BT 153.41 459.50 Td (in ) Tj ET Q q 0 0 0 rg BT 165.65 459.50 Td (a ) Tj ET Q q 0 0 0 rg BT 175.22 459.50 Td (more ) Tj ET Q q 0 0 0 rg BT 205.46 459.50 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 241.25 459.50 Td (fective ) Tj ET Q q 0 0 0 rg BT 278.83 459.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 321.10 459.50 Td (strategy ) Tj ET Q q 0 0 0 rg BT 366.68 459.50 Td (over ) Tj ET Q q 0 0 0 rg BT 392.92 459.50 Td (the ) Tj ET Q q 0 0 0 rg BT 412.50 459.50 Td (long ) Tj ET Q q 0 0 0 rg BT 438.08 459.50 Td (term. ) Tj ET Q q 0 0 0 rg BT 468.32 459.50 Td ( ) Tj ET Q q 0 0 0 rg BT 471.02 459.50 Td (Throughout ) Tj ET Q q 0 0 0 rg BT 535.30 459.50 Td (2008 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (and ) Tj ET Q q 0 0 0 rg BT 73.16 445.10 Td (2009, ) Tj ET Q q 0 0 0 rg BT 106.32 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.14 445.10 Td (global ) Tj ET Q q 0 0 0 rg BT 161.30 445.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 193.78 445.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 239.59 445.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 308.10 445.10 Td (extraordinary ) Tj ET Q q 0 0 0 rg BT 381.27 445.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 415.08 445.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.23 445.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 474.04 445.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.20 445.10 Td (stress. ) Tj ET Q q 0 0 0 rg BT 535.67 445.10 Td ( ) Tj ET Q q 0 0 0 rg BT 538.19 445.10 Td (As ) Tj ET Q q 0 0 0 rg BT 555.32 445.10 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 430.70 Td (result, ) Tj ET Q q 0 0 0 rg BT 88.72 430.70 Td (access ) Tj ET Q q 0 0 0 rg BT 132.12 430.70 Td (by ) Tj ET Q q 0 0 0 rg BT 150.84 430.70 Td (market ) Tj ET Q q 0 0 0 rg BT 193.56 430.70 Td (participants, ) Tj ET Q q 0 0 0 rg BT 264.31 430.70 Td (including ) Tj ET Q q 0 0 0 rg BT 316.52 430.70 Td (Ally) Tj ET Q q 0 0 0 rg BT 334.97 430.70 Td (, ) Tj ET Q q 0 0 0 rg BT 344.35 430.70 Td (to ) Tj ET Q q 0 0 0 rg BT 360.40 430.70 Td (the ) Tj ET Q q 0 0 0 rg BT 383.13 430.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 423.86 430.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 472.58 430.70 Td (was ) Tj ET Q q 0 0 0 rg BT 499.97 430.70 Td (significantly ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 416.30 Td (constrained ) Tj ET Q q 0 0 0 rg BT 115.47 416.30 Td (and ) Tj ET Q q 0 0 0 rg BT 138.92 416.30 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 195.05 416.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 226.49 416.30 Td (increased. ) Tj ET Q q 0 0 0 rg BT 285.29 416.30 Td ( ) Tj ET Q q 0 0 0 rg BT 288.72 416.30 Td (In ) Tj ET Q q 0 0 0 rg BT 302.16 416.30 Td (response, ) Tj ET Q q 0 0 0 rg BT 358.29 416.30 Td (numerous ) Tj ET Q q 0 0 0 rg BT 415.08 416.30 Td (government ) Tj ET Q q 0 0 0 rg BT 481.88 416.30 Td (programs ) Tj ET Q q 0 0 0 rg BT 536.00 416.30 Td (were ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 401.90 Td (established ) Tj ET Q q 0 0 0 rg BT 115.40 401.90 Td (aimed ) Tj ET Q q 0 0 0 rg BT 152.77 401.90 Td (at ) Tj ET Q q 0 0 0 rg BT 167.47 401.90 Td (improving ) Tj ET Q q 0 0 0 rg BT 224.18 401.90 Td (the ) Tj ET Q q 0 0 0 rg BT 245.55 401.90 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 290.26 401.90 Td (position ) Tj ET Q q 0 0 0 rg BT 336.31 401.90 Td (of ) Tj ET Q q 0 0 0 rg BT 351.01 401.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 379.04 401.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 427.75 401.90 Td (services ) Tj ET Q q 0 0 0 rg BT 476.45 401.90 Td (firms. ) Tj ET Q q 0 0 0 rg BT 510.47 401.90 Td ( ) Tj ET Q q 0 0 0 rg BT 514.23 401.90 Td (After ) Tj ET Q q 0 0 0 rg BT 543.33 401.90 Td (AFI ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 387.50 Td (converted ) Tj ET Q q 0 0 0 rg BT 105.92 387.50 Td (to ) Tj ET Q q 0 0 0 rg BT 119.15 387.50 Td (a ) Tj ET Q q 0 0 0 rg BT 129.05 387.50 Td (bank ) Tj ET Q q 0 0 0 rg BT 158.29 387.50 Td (holding ) Tj ET Q q 0 0 0 rg BT 200.22 387.50 Td (company ) Tj ET Q q 0 0 0 rg BT 252.13 387.50 Td (in ) Tj ET Q q 0 0 0 rg BT 264.70 387.50 Td (late ) Tj ET Q q 0 0 0 rg BT 287.27 387.50 Td (2008, ) Tj ET Q q 0 0 0 rg BT 319.88 387.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 342.44 387.50 Td (participated ) Tj ET Q q 0 0 0 rg BT 407.70 387.50 Td (in ) Tj ET Q q 0 0 0 rg BT 420.26 387.50 Td (several ) Tj ET Q q 0 0 0 rg BT 462.17 387.50 Td (of ) Tj ET Q q 0 0 0 rg BT 475.40 387.50 Td (these ) Tj ET Q q 0 0 0 rg BT 507.98 387.50 Td (programs, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (including ) Tj ET Q q 0 0 0 rg BT 101.90 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.81 373.10 Td (T) Tj ET Q q 0 0 0 rg BT 128.81 373.10 Td (emporary ) Tj ET Q q 0 0 0 rg BT 184.03 373.10 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 232.59 373.10 Td (Guaranty ) Tj ET Q q 0 0 0 rg BT 286.48 373.10 Td (Program ) Tj ET Q q 0 0 0 rg BT 337.02 373.10 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 345.01220703125 371.3890625 m 376.35400390625 371.3890625 l s q 0 0 0 rg BT 345.01 373.10 Td (TLGP) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 376.35 373.10 Td (\), ) Tj ET Q q 0 0 0 rg BT 391.92 373.10 Td (T) Tj ET Q q 0 0 0 rg BT 397.92 373.10 Td (erm ) Tj ET Q q 0 0 0 rg BT 422.21 373.10 Td (Auction ) Tj ET Q q 0 0 0 rg BT 466.77 373.10 Td (Facility) Tj ET Q q 0 0 0 rg BT 503.21 373.10 Td (, ) Tj ET Q q 0 0 0 rg BT 511.08 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.34 373.10 Td (T) Tj ET Q q 0 0 0 rg BT 541.34 373.10 Td (erm ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 358.70 Td (Asset-Backed ) Tj ET Q q 0 0 0 rg BT 128.88 358.70 Td (Securities ) Tj ET Q q 0 0 0 rg BT 186.42 358.70 Td (Loan ) Tj ET Q q 0 0 0 rg BT 217.96 358.70 Td (Facility) Tj ET Q q 0 0 0 rg BT 254.41 358.70 Td (. ) Tj ET Q q 0 0 0 rg BT 262.59 358.70 Td ( ) Tj ET Q q 0 0 0 rg BT 266.48 358.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 298.96 358.70 Td (diversification ) Tj ET Q q 0 0 0 rg BT 376.50 358.70 Td (strategy ) Tj ET Q q 0 0 0 rg BT 424.04 358.70 Td (and ) Tj ET Q q 0 0 0 rg BT 448.91 358.70 Td (participation ) Tj ET Q q 0 0 0 rg BT 518.46 358.70 Td (in ) Tj ET Q q 0 0 0 rg BT 532.65 358.70 Td (these ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 344.30 Td (programs ) Tj ET Q q 0 0 0 rg BT 104.78 344.30 Td (helped ) Tj ET Q q 0 0 0 rg BT 144.91 344.30 Td (it ) Tj ET Q q 0 0 0 rg BT 155.00 344.30 Td (maintain ) Tj ET Q q 0 0 0 rg BT 204.45 344.30 Td (suf) Tj ET Q q 0 0 0 rg BT 220.24 344.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 255.69 344.30 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 299.80 344.30 Td (during ) Tj ET Q q 0 0 0 rg BT 337.25 344.30 Td (this ) Tj ET Q q 0 0 0 rg BT 360.02 344.30 Td (period ) Tj ET Q q 0 0 0 rg BT 397.47 344.30 Td (of ) Tj ET Q q 0 0 0 rg BT 411.57 344.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 459.69 344.30 Td (distress ) Tj ET Q q 0 0 0 rg BT 505.13 344.30 Td (to ) Tj ET Q q 0 0 0 rg BT 519.23 344.30 Td (meet ) Tj ET Q q 0 0 0 rg BT 550.01 344.30 Td (all ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 329.90 Td (maturing ) Tj ET Q q 0 0 0 rg BT 100.36 329.90 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 160.07 329.90 Td (debt ) Tj ET Q q 0 0 0 rg BT 187.09 329.90 Td (obligations ) Tj ET Q q 0 0 0 rg BT 248.13 329.90 Td (and ) Tj ET Q q 0 0 0 rg BT 271.83 329.90 Td (to ) Tj ET Q q 0 0 0 rg BT 285.50 329.90 Td (continue ) Tj ET Q q 0 0 0 rg BT 334.54 329.90 Td (its ) Tj ET Q q 0 0 0 rg BT 350.21 329.90 Td (lending ) Tj ET Q q 0 0 0 rg BT 392.58 329.90 Td (and ) Tj ET Q q 0 0 0 rg BT 416.27 329.90 Td (operating ) Tj ET Q q 0 0 0 rg BT 469.98 329.90 Td (activities. ) Tj ET Q q 0 0 0 rg BT 523.00 329.90 Td ( ) Tj ET Q q 0 0 0 rg BT 526.67 329.90 Td (During ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 315.50 Td (2012, ) Tj ET Q q 0 0 0 rg BT 82.70 315.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 105.37 315.50 Td (repaid ) Tj ET Q q 0 0 0 rg BT 142.06 315.50 Td (the ) Tj ET Q q 0 0 0 rg BT 161.86 315.50 Td (TLGP) Tj ET Q q 0 0 0 rg BT 192.99 315.50 Td ( ) Tj ET Q q 0 0 0 rg BT 196.32 315.50 Td (debt; ) Tj ET Q q 0 0 0 rg BT 226.34 315.50 Td (the ) Tj ET Q q 0 0 0 rg BT 246.36 315.50 Td (other ) Tj ET Q q 0 0 0 rg BT 277.04 315.50 Td (programs ) Tj ET Q q 0 0 0 rg BT 331.06 315.50 Td (were ) Tj ET Q q 0 0 0 rg BT 360.41 315.50 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 431.12 315.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 458.46 315.50 Td (to ) Tj ET Q q 0 0 0 rg BT 471.80 315.50 Td (2012.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (As ) Tj ET Q q 0 0 0 rg BT 67.30 289.10 Td (part ) Tj ET Q q 0 0 0 rg BT 91.27 289.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.92 289.10 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 134.17 289.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 172.82 289.10 Td (transformation ) Tj ET Q q 0 0 0 rg BT 252.81 289.10 Td (from ) Tj ET Q q 0 0 0 rg BT 280.11 289.10 Td (an ) Tj ET Q q 0 0 0 rg BT 296.75 289.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 366.11 289.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 413.43 289.10 Td (services ) Tj ET Q q 0 0 0 rg BT 460.74 289.10 Td (company ) Tj ET Q q 0 0 0 rg BT 512.72 289.10 Td (to ) Tj ET Q q 0 0 0 rg BT 526.03 289.10 Td (a ) Tj ET Q q 0 0 0 rg BT 535.99 289.10 Td (bank ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 274.70 Td (holding ) Tj ET Q q 0 0 0 rg BT 92.66 274.70 Td (company) Tj ET Q q 0 0 0 rg BT 140.46 274.70 Td (, ) Tj ET Q q 0 0 0 rg BT 146.96 274.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 170.25 274.70 Td (took ) Tj ET Q q 0 0 0 rg BT 196.88 274.70 Td (actions ) Tj ET Q q 0 0 0 rg BT 238.86 274.70 Td (to ) Tj ET Q q 0 0 0 rg BT 252.82 274.70 Td (further ) Tj ET Q q 0 0 0 rg BT 291.46 274.70 Td (diversify ) Tj ET Q q 0 0 0 rg BT 339.42 274.70 Td (and ) Tj ET Q q 0 0 0 rg BT 363.40 274.70 Td (develop ) Tj ET Q q 0 0 0 rg BT 409.39 274.70 Td (more ) Tj ET Q q 0 0 0 rg BT 440.68 274.70 Td (stable ) Tj ET Q q 0 0 0 rg BT 476.66 274.70 Td (funding ) Tj ET Q q 0 0 0 rg BT 519.98 274.70 Td (sources ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 260.30 Td (and, ) Tj ET Q q 0 0 0 rg BT 76.06 260.30 Td (in ) Tj ET Q q 0 0 0 rg BT 88.10 260.30 Td (particular) Tj ET Q q 0 0 0 rg BT 136.79 260.30 Td (, ) Tj ET Q q 0 0 0 rg BT 142.82 260.30 Td (embarked ) Tj ET Q q 0 0 0 rg BT 198.88 260.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 228.28 260.30 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 280.33 260.30 Td (to ) Tj ET Q q 0 0 0 rg BT 293.04 260.30 Td (grow ) Tj ET Q q 0 0 0 rg BT 321.75 260.30 Td (its ) Tj ET Q q 0 0 0 rg BT 336.45 260.30 Td (consumer ) Tj ET Q q 0 0 0 rg BT 391.84 260.30 Td (deposit-taking ) Tj ET Q q 0 0 0 rg BT 469.26 260.30 Td (capabilities ) Tj ET Q q 0 0 0 rg BT 531.32 260.30 Td (within ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 245.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.12 245.90 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 105.60 245.90 Td ( ) Tj ET Q q 0 0 0 rg BT 108.39 245.90 Td (In ) Tj ET Q q 0 0 0 rg BT 121.18 245.90 Td (addition, ) Tj ET Q q 0 0 0 rg BT 168.79 245.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 190.91 245.90 Td (began ) Tj ET Q q 0 0 0 rg BT 227.07 245.90 Td (distinguishing ) Tj ET Q q 0 0 0 rg BT 302.57 245.90 Td (its ) Tj ET Q q 0 0 0 rg BT 317.36 245.90 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 360.17 245.90 Td (management ) Tj ET Q q 0 0 0 rg BT 433.00 245.90 Td (strategies ) Tj ET Q q 0 0 0 rg BT 487.82 245.90 Td (between ) Tj ET Q q 0 0 0 rg BT 535.97 245.90 Td (bank ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 231.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 92.70 231.50 Td (and ) Tj ET Q q 0 0 0 rg BT 116.06 231.50 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 169.43 231.50 Td (funding.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (Maximizing ) Tj ET Q q 0 0 0 rg BT 112.88 205.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 141.77 205.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 184.01 205.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 238.24 205.10 Td (to ) Tj ET Q q 0 0 0 rg BT 251.12 205.10 Td (be ) Tj ET Q q 0 0 0 rg BT 267.34 205.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.89 205.10 Td (cornerstone ) Tj ET Q q 0 0 0 rg BT 353.12 205.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.43 205.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 395.92 205.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 449.48 205.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 492.36 205.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 534.16 205.10 Td (. ) Tj ET Q q 0 0 0 rg BT 540.36 205.10 Td ( ) Tj ET Q q 0 0 0 rg BT 542.66 205.10 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 190.70 Td (has ) Tj ET Q q 0 0 0 rg BT 71.46 190.70 Td (made ) Tj ET Q q 0 0 0 rg BT 103.58 190.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 159.05 190.70 Td (progress ) Tj ET Q q 0 0 0 rg BT 207.85 190.70 Td (in ) Tj ET Q q 0 0 0 rg BT 219.30 190.70 Td (migrating ) Tj ET Q q 0 0 0 rg BT 270.76 190.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 307.55 190.70 Td (to ) Tj ET Q q 0 0 0 rg BT 319.25 190.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 340.69 190.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 370.15 190.70 Td (and ) Tj ET Q q 0 0 0 rg BT 392.28 190.70 Td (growing ) Tj ET Q q 0 0 0 rg BT 435.99 190.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 457.44 190.70 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 495.19 190.70 Td (retail ) Tj ET Q q 0 0 0 rg BT 523.31 190.70 Td (deposit ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 176.30 Td (base ) Tj ET Q q 0 0 0 rg BT 80.25 176.30 Td (since ) Tj ET Q q 0 0 0 rg BT 111.66 176.30 Td (AFI ) Tj ET Q q 0 0 0 rg BT 134.56 176.30 Td (became ) Tj ET Q q 0 0 0 rg BT 181.48 176.30 Td (a ) Tj ET Q q 0 0 0 rg BT 192.39 176.30 Td (bank ) Tj ET Q q 0 0 0 rg BT 222.64 176.30 Td (holding ) Tj ET Q q 0 0 0 rg BT 265.58 176.30 Td (company) Tj ET Q q 0 0 0 rg BT 313.38 176.30 Td (. ) Tj ET Q q 0 0 0 rg BT 320.94 176.30 Td ( ) Tj ET Q q 0 0 0 rg BT 325.18 176.30 Td (Retail ) Tj ET Q q 0 0 0 rg BT 360.09 176.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 409.02 176.30 Td (provide ) Tj ET Q q 0 0 0 rg BT 452.61 176.30 Td (a ) Tj ET Q q 0 0 0 rg BT 463.51 176.30 Td (low-cost ) Tj ET Q q 0 0 0 rg BT 511.76 176.30 Td (source ) Tj ET Q q 0 0 0 rg BT 552.01 176.30 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 161.90 Td (funds ) Tj ET Q q 0 0 0 rg BT 83.03 161.90 Td (that ) Tj ET Q q 0 0 0 rg BT 106.72 161.90 Td (are ) Tj ET Q q 0 0 0 rg BT 127.74 161.90 Td (less ) Tj ET Q q 0 0 0 rg BT 152.75 161.90 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 203.11 161.90 Td (to ) Tj ET Q q 0 0 0 rg BT 216.80 161.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 259.82 161.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 284.17 161.90 Td (changes, ) Tj ET Q q 0 0 0 rg BT 336.55 161.90 Td (market ) Tj ET Q q 0 0 0 rg BT 376.90 161.90 Td (volatility) Tj ET Q q 0 0 0 rg BT 418.69 161.90 Td (, ) Tj ET Q q 0 0 0 rg BT 425.70 161.90 Td (or ) Tj ET Q q 0 0 0 rg BT 440.04 161.90 Td (changes ) Tj ET Q q 0 0 0 rg BT 489.08 161.90 Td (in ) Tj ET Q q 0 0 0 rg BT 501.37 161.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 532.67 161.90 Td (credit ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 147.50 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 93.82 147.50 Td (than ) Tj ET Q q 0 0 0 rg BT 121.64 147.50 Td (other ) Tj ET Q q 0 0 0 rg BT 153.46 147.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 197.30 147.50 Td (sources. ) Tj ET Q q 0 0 0 rg BT 247.12 147.50 Td ( ) Tj ET Q q 0 0 0 rg BT 250.70 147.50 Td (As ) Tj ET Q q 0 0 0 rg BT 269.18 147.50 Td (of ) Tj ET Q q 0 0 0 rg BT 283.65 147.50 Td (March31, ) Tj ET Q q 0 0 0 rg BT 341.48 147.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 375.09 147.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 398.89 147.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 430.71 147.50 Td (had ) Tj ET Q q 0 0 0 rg BT 455.20 147.50 Td ($49.5 ) Tj ET Q q 0 0 0 rg BT 489.70 147.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 524.86 147.50 Td (of ) Tj ET Q q 0 0 0 rg BT 539.33 147.50 Td (total ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (external ) Tj ET Q q 0 0 0 rg BT 96.50 133.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 148.34 133.10 Td (including ) Tj ET Q q 0 0 0 rg BT 199.52 133.10 Td ($38.8 ) Tj ET Q q 0 0 0 rg BT 233.36 133.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 267.85 133.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.67 133.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 311.49 133.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 363.33 133.10 Td (which ) Tj ET Q q 0 0 0 rg BT 397.82 133.10 Td (constituted ) Tj ET Q q 0 0 0 rg BT 459.66 133.10 Td (about ) Tj ET Q q 0 0 0 rg BT 493.50 133.10 Td (40% ) Tj ET Q q 0 0 0 rg BT 521.33 133.10 Td (of ) Tj ET Q q 0 0 0 rg BT 534.39 133.10 Td (Ally's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 118.70 Td (total ) Tj ET Q q 0 0 0 rg BT 76.02 118.70 Td (funding. ) Tj ET Q q 0 0 0 rg BT 122.05 118.70 Td ( ) Tj ET Q q 0 0 0 rg BT 125.17 118.70 Td (This ) Tj ET Q q 0 0 0 rg BT 151.17 118.70 Td (compares ) Tj ET Q q 0 0 0 rg BT 207.20 118.70 Td (to ) Tj ET Q q 0 0 0 rg BT 220.54 118.70 Td (just ) Tj ET Q q 0 0 0 rg BT 242.54 118.70 Td (14% ) Tj ET Q q 0 0 0 rg BT 269.90 118.70 Td (on ) Tj ET Q q 0 0 0 rg BT 286.58 118.70 Td (December ) Tj ET Q q 0 0 0 rg BT 345.27 118.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 365.28 118.70 Td (2008.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 92.30 Td (In ) Tj ET Q q 0 0 0 rg BT 63.95 92.30 Td (addition ) Tj ET Q q 0 0 0 rg BT 109.93 92.30 Td (to ) Tj ET Q q 0 0 0 rg BT 123.88 92.30 Td (building ) Tj ET Q q 0 0 0 rg BT 169.20 92.30 Td (a ) Tj ET Q q 0 0 0 rg BT 179.81 92.30 Td (larger ) Tj ET Q q 0 0 0 rg BT 214.44 92.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 257.08 92.30 Td (base, ) Tj ET Q q 0 0 0 rg BT 289.59 92.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 312.87 92.30 Td (continues ) Tj ET Q q 0 0 0 rg BT 368.19 92.30 Td (to ) Tj ET Q q 0 0 0 rg BT 382.14 92.30 Td (remain ) Tj ET Q q 0 0 0 rg BT 422.76 92.30 Td (active ) Tj ET Q q 0 0 0 rg BT 458.06 92.30 Td (in ) Tj ET Q q 0 0 0 rg BT 471.34 92.30 Td (the ) Tj ET Q q 0 0 0 rg BT 491.97 92.30 Td (securitization ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 77.90 Td (markets ) Tj ET Q q 0 0 0 rg BT 97.23 77.90 Td (to ) Tj ET Q q 0 0 0 rg BT 111.80 77.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 154.15 77.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 178.05 77.90 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 218.25 77.90 Td (automotive ) Tj ET Q q 0 0 0 rg BT 281.51 77.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 334.10 77.90 Td (portfolios. ) Tj ET Q q 0 0 0 rg BT 390.69 77.90 Td ( ) Tj ET Q q 0 0 0 rg BT 395.25 77.90 Td (For ) Tj ET Q q 0 0 0 rg BT 417.81 77.90 Td (example, ) Tj ET Q q 0 0 0 rg BT 471.06 77.90 Td (during ) Tj ET Q q 0 0 0 rg BT 508.97 77.90 Td (2012, ) Tj ET Q q 0 0 0 rg BT 542.66 77.90 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 63.50 Td (issued ) Tj ET Q q 0 0 0 rg BT 87.91 63.50 Td ($1) Tj ET Q q 0 0 0 rg BT 100.37 63.50 Td (1.8 ) Tj ET Q q 0 0 0 rg BT 120.28 63.50 Td (billion ) Tj ET Q q 0 0 0 rg BT 154.19 63.50 Td (in ) Tj ET Q q 0 0 0 rg BT 166.76 63.50 Td (secured ) Tj ET Q q 0 0 0 rg BT 212.68 63.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 255.27 63.50 Td (backed ) Tj ET Q q 0 0 0 rg BT 297.19 63.50 Td (by ) Tj ET Q q 0 0 0 rg BT 313.09 63.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 375.02 63.50 Td (retail ) Tj ET Q q 0 0 0 rg BT 404.26 63.50 Td (installment ) Tj ET Q q 0 0 0 rg BT 464.84 63.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 490.08 63.50 Td (contracts ) Tj ET Q q 0 0 0 rg BT 541.99 63.50 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 49.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 81.40 49.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 121.48 49.10 Td (as ) Tj ET Q q 0 0 0 rg BT 139.55 49.10 Td (well ) Tj ET Q q 0 0 0 rg BT 165.61 49.10 Td (as ) Tj ET Q q 0 0 0 rg BT 183.68 49.10 Td (dealer ) Tj ET Q q 0 0 0 rg BT 222.43 49.10 Td (floorplan ) Tj ET Q q 0 0 0 rg BT 273.85 49.10 Td (automotive ) Tj ET Q q 0 0 0 rg BT 337.95 49.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 372.03 49.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.35 49.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 411.08 49.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 447.16 49.10 Td ( ) Tj ET Q q 0 0 0 rg BT 452.55 49.10 Td (Continued ) Tj ET Q q 0 0 0 rg BT 512.66 49.10 Td (structural ) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (19) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (ef) Tj ET Q q 0 0 0 rg BT 59.79 740.30 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 112.66 740.30 Td (in ) Tj ET Q q 0 0 0 rg BT 125.51 740.30 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 205.06 740.30 Td (combined ) Tj ET Q q 0 0 0 rg BT 260.60 740.30 Td (with ) Tj ET Q q 0 0 0 rg BT 285.45 740.30 Td (improving ) Tj ET Q q 0 0 0 rg BT 340.99 740.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 379.19 740.30 Td (market ) Tj ET Q q 0 0 0 rg BT 419.37 740.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 476.92 740.30 Td (have ) Tj ET Q q 0 0 0 rg BT 506.46 740.30 Td (resulted ) Tj ET Q q 0 0 0 rg BT 552.66 740.30 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (a ) Tj ET Q q 0 0 0 rg BT 60.80 725.90 Td (reduction ) Tj ET Q q 0 0 0 rg BT 114.28 725.90 Td (in ) Tj ET Q q 0 0 0 rg BT 127.75 725.90 Td (the ) Tj ET Q q 0 0 0 rg BT 148.55 725.90 Td (cost ) Tj ET Q q 0 0 0 rg BT 174.68 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 188.81 725.90 Td (funds ) Tj ET Q q 0 0 0 rg BT 222.29 725.90 Td (achieved ) Tj ET Q q 0 0 0 rg BT 274.44 725.90 Td (through ) Tj ET Q q 0 0 0 rg BT 319.26 725.90 Td (secured ) Tj ET Q q 0 0 0 rg BT 366.08 725.90 Td (funding ) Tj ET Q q 0 0 0 rg BT 409.57 725.90 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 481.72 725.90 Td (making ) Tj ET Q q 0 0 0 rg BT 524.53 725.90 Td (them ) Tj ET Q q 0 0 0 rg BT 555.33 725.90 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 711.50 Td (very ) Tj ET Q q 0 0 0 rg BT 75.63 711.50 Td (attractive ) Tj ET Q q 0 0 0 rg BT 127.28 711.50 Td (source ) Tj ET Q q 0 0 0 rg BT 166.26 711.50 Td (of ) Tj ET Q q 0 0 0 rg BT 179.23 711.50 Td (funding. ) Tj ET Q q 0 0 0 rg BT 224.89 711.50 Td ( ) Tj ET Q q 0 0 0 rg BT 227.85 711.50 Td (In ) Tj ET Q q 0 0 0 rg BT 240.82 711.50 Td (addition, ) Tj ET Q q 0 0 0 rg BT 289.15 711.50 Td (for ) Tj ET Q q 0 0 0 rg BT 306.12 711.50 Td (retail ) Tj ET Q q 0 0 0 rg BT 335.09 711.50 Td (installment ) Tj ET Q q 0 0 0 rg BT 395.41 711.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 420.38 711.50 Td (contracts ) Tj ET Q q 0 0 0 rg BT 472.03 711.50 Td (and ) Tj ET Q q 0 0 0 rg BT 495.01 711.50 Td (retail ) Tj ET Q q 0 0 0 rg BT 523.98 711.50 Td (leases, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 70.25 697.10 Td (term ) Tj ET Q q 0 0 0 rg BT 97.82 697.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 148.07 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.64 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.89 697.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 244.16 697.10 Td (locks ) Tj ET Q q 0 0 0 rg BT 275.07 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 287.98 697.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 330.92 697.10 Td (for ) Tj ET Q q 0 0 0 rg BT 348.49 697.10 Td (a ) Tj ET Q q 0 0 0 rg BT 358.73 697.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 409.66 697.10 Td (pool ) Tj ET Q q 0 0 0 rg BT 435.92 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.49 697.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 479.07 697.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 540.00 697.10 Td (sale ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 682.70 Td (contracts ) Tj ET Q q 0 0 0 rg BT 102.75 682.70 Td (and ) Tj ET Q q 0 0 0 rg BT 126.83 682.70 Td (leases ) Tj ET Q q 0 0 0 rg BT 165.58 682.70 Td (for ) Tj ET Q q 0 0 0 rg BT 183.65 682.70 Td (the ) Tj ET Q q 0 0 0 rg BT 204.40 682.70 Td (life ) Tj ET Q q 0 0 0 rg BT 223.80 682.70 Td (of ) Tj ET Q q 0 0 0 rg BT 237.87 682.70 Td (the ) Tj ET Q q 0 0 0 rg BT 258.62 682.70 Td (underlying ) Tj ET Q q 0 0 0 rg BT 318.05 682.70 Td (assets. ) Tj ET Q q 0 0 0 rg BT 360.13 682.70 Td ( ) Tj ET Q q 0 0 0 rg BT 364.19 682.70 Td (Once ) Tj ET Q q 0 0 0 rg BT 396.94 682.70 Td (a ) Tj ET Q q 0 0 0 rg BT 407.68 682.70 Td (pool ) Tj ET Q q 0 0 0 rg BT 434.43 682.70 Td (of ) Tj ET Q q 0 0 0 rg BT 448.50 682.70 Td (retail ) Tj ET Q q 0 0 0 rg BT 478.57 682.70 Td (installment ) Tj ET Q q 0 0 0 rg BT 539.99 682.70 Td (sale ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 668.30 Td (contracts ) Tj ET Q q 0 0 0 rg BT 103.05 668.30 Td (is ) Tj ET Q q 0 0 0 rg BT 116.08 668.30 Td (selected ) Tj ET Q q 0 0 0 rg BT 165.15 668.30 Td (and ) Tj ET Q q 0 0 0 rg BT 189.53 668.30 Td (placed ) Tj ET Q q 0 0 0 rg BT 229.26 668.30 Td (into ) Tj ET Q q 0 0 0 rg BT 252.97 668.30 Td (a ) Tj ET Q q 0 0 0 rg BT 264.01 668.30 Td (securitization, ) Tj ET Q q 0 0 0 rg BT 341.75 668.30 Td (the ) Tj ET Q q 0 0 0 rg BT 362.79 668.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 422.53 668.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 461.58 668.30 Td (and ) Tj ET Q q 0 0 0 rg BT 485.97 668.30 Td (corresponding ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 653.90 Td (debt ) Tj ET Q q 0 0 0 rg BT 75.83 653.90 Td (amortize ) Tj ET Q q 0 0 0 rg BT 124.31 653.90 Td (simultaneously) Tj ET Q q 0 0 0 rg BT 202.79 653.90 Td (, ) Tj ET Q q 0 0 0 rg BT 208.60 653.90 Td (resulting ) Tj ET Q q 0 0 0 rg BT 256.43 653.90 Td (in ) Tj ET Q q 0 0 0 rg BT 268.24 653.90 Td (committed ) Tj ET Q q 0 0 0 rg BT 326.06 653.90 Td (and ) Tj ET Q q 0 0 0 rg BT 348.56 653.90 Td (matched ) Tj ET Q q 0 0 0 rg BT 397.06 653.90 Td (funding ) Tj ET Q q 0 0 0 rg BT 438.90 653.90 Td (for ) Tj ET Q q 0 0 0 rg BT 455.38 653.90 Td (the ) Tj ET Q q 0 0 0 rg BT 474.53 653.90 Td (life ) Tj ET Q q 0 0 0 rg BT 492.34 653.90 Td (of ) Tj ET Q q 0 0 0 rg BT 504.82 653.90 Td (the ) Tj ET Q q 0 0 0 rg BT 523.98 653.90 Td (assets. ) Tj ET Q q 0 0 0 rg BT 565.33 653.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 639.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.47 639.50 Td (manages ) Tj ET Q q 0 0 0 rg BT 126.97 639.50 Td (the ) Tj ET Q q 0 0 0 rg BT 147.79 639.50 Td (execution ) Tj ET Q q 0 0 0 rg BT 203.29 639.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 226.09 639.50 Td (arising ) Tj ET Q q 0 0 0 rg BT 265.57 639.50 Td (from ) Tj ET Q q 0 0 0 rg BT 293.71 639.50 Td (secured ) Tj ET Q q 0 0 0 rg BT 340.53 639.50 Td (funding ) Tj ET Q q 0 0 0 rg BT 384.04 639.50 Td (by ) Tj ET Q q 0 0 0 rg BT 400.85 639.50 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 466.35 639.50 Td (a ) Tj ET Q q 0 0 0 rg BT 477.16 639.50 Td (diverse ) Tj ET Q q 0 0 0 rg BT 519.98 639.50 Td (investor ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (base ) Tj ET Q q 0 0 0 rg BT 79.36 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.71 625.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 167.42 625.10 Td (committed ) Tj ET Q q 0 0 0 rg BT 226.10 625.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 272.12 625.10 Td (facilities.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (As ) Tj ET Q q 0 0 0 rg BT 65.47 598.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 86.64 598.70 Td (has ) Tj ET Q q 0 0 0 rg BT 107.82 598.70 Td (shifted ) Tj ET Q q 0 0 0 rg BT 145.01 598.70 Td (its ) Tj ET Q q 0 0 0 rg BT 158.84 598.70 Td (focus ) Tj ET Q q 0 0 0 rg BT 189.35 598.70 Td (to ) Tj ET Q q 0 0 0 rg BT 201.19 598.70 Td (migrating ) Tj ET Q q 0 0 0 rg BT 252.37 598.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 288.89 598.70 Td (to ) Tj ET Q q 0 0 0 rg BT 300.36 598.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 321.53 598.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 350.71 598.70 Td (and ) Tj ET Q q 0 0 0 rg BT 372.57 598.70 Td (growing ) Tj ET Q q 0 0 0 rg BT 416.42 598.70 Td (its ) Tj ET Q q 0 0 0 rg BT 430.25 598.70 Td (bank ) Tj ET Q q 0 0 0 rg BT 458.11 598.70 Td (funding ) Tj ET Q q 0 0 0 rg BT 499.31 598.70 Td (capabilities, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 81.27 584.30 Td (reliance ) Tj ET Q q 0 0 0 rg BT 126.95 584.30 Td (on ) Tj ET Q q 0 0 0 rg BT 143.94 584.30 Td (parent ) Tj ET Q q 0 0 0 rg BT 181.62 584.30 Td (company ) Tj ET Q q 0 0 0 rg BT 233.95 584.30 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 277.62 584.30 Td (has ) Tj ET Q q 0 0 0 rg BT 300.62 584.30 Td (consequently ) Tj ET Q q 0 0 0 rg BT 374.98 584.30 Td (been ) Tj ET Q q 0 0 0 rg BT 405.33 584.30 Td (reduced. ) Tj ET Q q 0 0 0 rg BT 455.67 584.30 Td ( ) Tj ET Q q 0 0 0 rg BT 459.32 584.30 Td (Funding ) Tj ET Q q 0 0 0 rg BT 506.33 584.30 Td (sources ) Tj ET Q q 0 0 0 rg BT 552.00 584.30 Td (at ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 569.90 Td (AFI ) Tj ET Q q 0 0 0 rg BT 73.25 569.90 Td (generally ) Tj ET Q q 0 0 0 rg BT 126.53 569.90 Td (consist ) Tj ET Q q 0 0 0 rg BT 168.47 569.90 Td (of ) Tj ET Q q 0 0 0 rg BT 183.06 569.90 Td (longer-term ) Tj ET Q q 0 0 0 rg BT 249.00 569.90 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 309.62 569.90 Td (debt, ) Tj ET Q q 0 0 0 rg BT 340.89 569.90 Td (private ) Tj ET Q q 0 0 0 rg BT 381.50 569.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 415.42 569.90 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 466.02 569.90 Td (and ) Tj ET Q q 0 0 0 rg BT 490.63 569.90 Td (asset-backed ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 555.50 Td (securitizations. ) Tj ET Q q 0 0 0 rg BT 134.24 555.50 Td ( ) Tj ET Q q 0 0 0 rg BT 139.12 555.50 Td (For ) Tj ET Q q 0 0 0 rg BT 161.99 555.50 Td (example, ) Tj ET Q q 0 0 0 rg BT 215.56 555.50 Td (in ) Tj ET Q q 0 0 0 rg BT 229.77 555.50 Td (2012, ) Tj ET Q q 0 0 0 rg BT 263.71 555.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 287.25 555.50 Td (issued ) Tj ET Q q 0 0 0 rg BT 326.82 555.50 Td (over ) Tj ET Q q 0 0 0 rg BT 355.04 555.50 Td ($3.6billion ) Tj ET Q q 0 0 0 rg BT 417.29 555.50 Td (of ) Tj ET Q q 0 0 0 rg BT 432.17 555.50 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 493.08 555.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 521.32 555.50 Td (globally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (through ) Tj ET Q q 0 0 0 rg BT 93.20 541.10 Td (several ) Tj ET Q q 0 0 0 rg BT 134.38 541.10 Td (issuances. ) Tj ET Q q 0 0 0 rg BT 193.58 541.10 Td ( ) Tj ET Q q 0 0 0 rg BT 196.08 541.10 Td (On ) Tj ET Q q 0 0 0 rg BT 214.59 541.10 Td (March31, ) Tj ET Q q 0 0 0 rg BT 270.44 541.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 302.48 541.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 324.31 541.10 Td (had ) Tj ET Q q 0 0 0 rg BT 346.84 541.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 372.69 541.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 405.88 541.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.40 541.10 Td ($5.6 ) Tj ET Q q 0 0 0 rg BT 454.26 541.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 487.44 541.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.95 541.10 Td (outstanding ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 526.70 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 108.62 526.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 161.88 526.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 187.82 526.70 Td (with ) Tj ET Q q 0 0 0 rg BT 211.74 526.70 Td (maturities ) Tj ET Q q 0 0 0 rg BT 266.33 526.70 Td (in ) Tj ET Q q 0 0 0 rg BT 278.25 526.70 Td (2013 ) Tj ET Q q 0 0 0 rg BT 307.53 526.70 Td (and ) Tj ET Q q 0 0 0 rg BT 330.13 526.70 Td (2014, ) Tj ET Q q 0 0 0 rg BT 362.74 526.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 425.21 526.70 Td (. ) Tj ET Q q 0 0 0 rg BT 431.12 526.70 Td ( ) Tj ET Q q 0 0 0 rg BT 433.53 526.70 Td (T) Tj ET Q q 0 0 0 rg BT 439.53 526.70 Td (o ) Tj ET Q q 0 0 0 rg BT 448.79 526.70 Td (fund ) Tj ET Q q 0 0 0 rg BT 474.72 526.70 Td (these ) Tj ET Q q 0 0 0 rg BT 506.66 526.70 Td (maturities, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 512.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 75.62 512.30 Td (expects ) Tj ET Q q 0 0 0 rg BT 123.25 512.30 Td (to ) Tj ET Q q 0 0 0 rg BT 139.54 512.30 Td (use ) Tj ET Q q 0 0 0 rg BT 165.17 512.30 Td (existing ) Tj ET Q q 0 0 0 rg BT 212.14 512.30 Td (pre-issued ) Tj ET Q q 0 0 0 rg BT 274.45 512.30 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 320.75 512.30 Td (combined ) Tj ET Q q 0 0 0 rg BT 379.06 512.30 Td (with ) Tj ET Q q 0 0 0 rg BT 406.68 512.30 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 474.33 512.30 Td (an ) Tj ET Q q 0 0 0 rg BT 493.96 512.30 Td (opportunistic ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 497.90 Td (approach ) Tj ET Q q 0 0 0 rg BT 103.37 497.90 Td (to ) Tj ET Q q 0 0 0 rg BT 116.71 497.90 Td (new ) Tj ET Q q 0 0 0 rg BT 142.06 497.90 Td (issuances.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 471.50 Td (The ) Tj ET Q q 0 0 0 rg BT 73.99 471.50 Td (strategies ) Tj ET Q q 0 0 0 rg BT 129.33 471.50 Td (previously ) Tj ET Q q 0 0 0 rg BT 186.66 471.50 Td (outlined ) Tj ET Q q 0 0 0 rg BT 232.01 471.50 Td (have ) Tj ET Q q 0 0 0 rg BT 261.34 471.50 Td (allowed ) Tj ET Q q 0 0 0 rg BT 304.69 471.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 327.33 471.50 Td (to ) Tj ET Q q 0 0 0 rg BT 340.65 471.50 Td (build ) Tj ET Q q 0 0 0 rg BT 369.32 471.50 Td (and ) Tj ET Q q 0 0 0 rg BT 392.65 471.50 Td (maintain ) Tj ET Q q 0 0 0 rg BT 441.32 471.50 Td (a ) Tj ET Q q 0 0 0 rg BT 451.30 471.50 Td (conservative ) Tj ET Q q 0 0 0 rg BT 521.98 471.50 Td (liquidity ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (position. ) Tj ET Q q 0 0 0 rg BT 98.53 457.10 Td ( ) Tj ET Q q 0 0 0 rg BT 102.37 457.10 Td (On ) Tj ET Q q 0 0 0 rg BT 122.22 457.10 Td (March ) Tj ET Q q 0 0 0 rg BT 159.40 457.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 179.92 457.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 213.79 457.10 Td (total ) Tj ET Q q 0 0 0 rg BT 240.31 457.10 Td (available ) Tj ET Q q 0 0 0 rg BT 291.51 457.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 335.37 457.10 Td (at ) Tj ET Q q 0 0 0 rg BT 348.46 457.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 370.96 457.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.06 457.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 417.24 457.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 448.43 457.10 Td (was ) Tj ET Q q 0 0 0 rg BT 473.60 457.10 Td ($19.5 ) Tj ET Q q 0 0 0 rg BT 507.47 457.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 542.00 457.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 442.70 Td ($10.4 ) Tj ET Q q 0 0 0 rg BT 83.04 442.70 Td (billion, ) Tj ET Q q 0 0 0 rg BT 120.07 442.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 182.54 442.70 Td (. ) Tj ET Q q 0 0 0 rg BT 188.88 442.70 Td ( ) Tj ET Q q 0 0 0 rg BT 191.29 442.70 Td (AFI ) Tj ET Q q 0 0 0 rg BT 212.97 442.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 256.00 442.70 Td (is ) Tj ET Q q 0 0 0 rg BT 267.68 442.70 Td (defined ) Tj ET Q q 0 0 0 rg BT 310.06 442.70 Td (as ) Tj ET Q q 0 0 0 rg BT 325.14 442.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 355.78 442.70 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 426.17 442.70 Td (operations, ) Tj ET Q q 0 0 0 rg BT 488.56 442.70 Td (less ) Tj ET Q q 0 0 0 rg BT 512.31 442.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 534.65 442.70 Td (Bank ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 428.30 Td (and ) Tj ET Q q 0 0 0 rg BT 72.70 428.30 Td (the ) Tj ET Q q 0 0 0 rg BT 92.06 428.30 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 158.10 428.30 Td (of ) Tj ET Q q 0 0 0 rg BT 170.25 428.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 192.27 428.30 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 247.64 428.30 Td (Holdings, ) Tj ET Q q 0 0 0 rg BT 300.35 428.30 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 322.37 428.30 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 330.36083984375 426.5890625 m 454.44482421875 426.5890625 l s q 0 0 0 rg BT 330.36 428.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 352.37 428.30 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 407.75 428.30 Td (Holdings) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 454.44 428.30 Td (\). ) Tj ET Q q 0 0 0 rg BT 468.45 428.30 Td ( ) Tj ET Q q 0 0 0 rg BT 470.59 428.30 Td (At ) Tj ET Q q 0 0 0 rg BT 484.61 428.30 Td (the ) Tj ET Q q 0 0 0 rg BT 503.97 428.30 Td (same ) Tj ET Q q 0 0 0 rg BT 535.99 428.30 Td (time, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 413.90 Td (since ) Tj ET Q q 0 0 0 rg BT 81.26 413.90 Td (the ) Tj ET Q q 0 0 0 rg BT 101.19 413.90 Td (first ) Tj ET Q q 0 0 0 rg BT 123.77 413.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 165.04 413.90 Td (of ) Tj ET Q q 0 0 0 rg BT 178.29 413.90 Td (201) Tj ET Q q 0 0 0 rg BT 197.42 413.90 Td (1, ) Tj ET Q q 0 0 0 rg BT 210.68 413.90 Td (these ) Tj ET Q q 0 0 0 rg BT 243.28 413.90 Td (strategies ) Tj ET Q q 0 0 0 rg BT 298.55 413.90 Td (have ) Tj ET Q q 0 0 0 rg BT 327.82 413.90 Td (also ) Tj ET Q q 0 0 0 rg BT 353.08 413.90 Td (resulted ) Tj ET Q q 0 0 0 rg BT 399.02 413.90 Td (in ) Tj ET Q q 0 0 0 rg BT 411.61 413.90 Td (a ) Tj ET Q q 0 0 0 rg BT 421.53 413.90 Td (cost ) Tj ET Q q 0 0 0 rg BT 446.79 413.90 Td (of ) Tj ET Q q 0 0 0 rg BT 460.04 413.90 Td (funds ) Tj ET Q q 0 0 0 rg BT 492.65 413.90 Td (improvement ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 399.50 Td (of ) Tj ET Q q 0 0 0 rg BT 63.44 399.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 141.58 399.50 Td (95 ) Tj ET Q q 0 0 0 rg BT 158.37 399.50 Td (basis ) Tj ET Q q 0 0 0 rg BT 189.82 399.50 Td (points ) Tj ET Q q 0 0 0 rg BT 225.27 399.50 Td (at ) Tj ET Q q 0 0 0 rg BT 238.72 399.50 Td (December ) Tj ET Q q 0 0 0 rg BT 297.51 399.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 317.63 399.50 Td (2012. ) Tj ET Q q 0 0 0 rg BT 351.09 399.50 Td ( ) Tj ET Q q 0 0 0 rg BT 354.53 399.50 Td (Looking ) Tj ET Q q 0 0 0 rg BT 400.00 399.50 Td (forward, ) Tj ET Q q 0 0 0 rg BT 446.79 399.50 Td (given ) Tj ET Q q 0 0 0 rg BT 478.23 399.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 509.29 399.50 Td (enhanced ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 92.39 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.78 385.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 151.83 385.10 Td (position ) Tj ET Q q 0 0 0 rg BT 195.56 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.95 385.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 269.02 385.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 320.74 385.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 352.46 385.10 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 393.71 385.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 415.41 385.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 459.13 385.10 Td (that ) Tj ET Q q 0 0 0 rg BT 481.52 385.10 Td (its ) Tj ET Q q 0 0 0 rg BT 495.89 385.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 520.26 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 532.64 385.10 Td (funds ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 370.70 Td (will ) Tj ET Q q 0 0 0 rg BT 70.00 370.70 Td (continue ) Tj ET Q q 0 0 0 rg BT 118.70 370.70 Td (to ) Tj ET Q q 0 0 0 rg BT 132.04 370.70 Td (improve ) Tj ET Q q 0 0 0 rg BT 178.06 370.70 Td (over ) Tj ET Q q 0 0 0 rg BT 204.73 370.70 Td (time.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 344.30 Td (5.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 344.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 344.30 Td (T) Tj ET Q q 0 0 0 rg BT 92.67 344.30 Td (roubled ) Tj ET Q q 0 0 0 rg BT 139.55 344.30 Td (Asset ) Tj ET Q q 0 0 0 rg BT 175.57 344.30 Td (Relief ) Tj ET Q q 0 0 0 rg BT 211.58 344.30 Td (Program) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 317.90 Td (As ) Tj ET Q q 0 0 0 rg BT 68.38 317.90 Td (part ) Tj ET Q q 0 0 0 rg BT 93.43 317.90 Td (of ) Tj ET Q q 0 0 0 rg BT 107.82 317.90 Td (the ) Tj ET Q q 0 0 0 rg BT 128.01 317.90 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 192.41 317.90 Td (Industry ) Tj ET Q q 0 0 0 rg BT 239.47 317.90 Td (Financing ) Tj ET Q q 0 0 0 rg BT 295.88 317.90 Td (Program ) Tj ET Q q 0 0 0 rg BT 346.27 317.90 Td (created ) Tj ET Q q 0 0 0 rg BT 390.67 317.90 Td (under ) Tj ET Q q 0 0 0 rg BT 425.74 317.90 Td (the ) Tj ET Q q 0 0 0 rg BT 446.51 317.90 Td (T) Tj ET Q q 0 0 0 rg BT 453.40 317.90 Td (roubled ) Tj ET Q q 0 0 0 rg BT 496.93 317.90 Td (Asset ) Tj ET Q q 0 0 0 rg BT 531.32 317.90 Td (Relief ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 303.50 Td (Program ) Tj ET Q q 0 0 0 rg BT 102.93 303.50 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 110.921875 301.7890625 m 142.03515625 301.7890625 l s q 0 0 0 rg BT 110.92 303.50 Td (T) Tj ET Q q 0 0 0 rg BT 117.36 303.50 Td (ARP) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 142.04 303.50 Td (\) ) Tj ET Q q 0 0 0 rg BT 156.94 303.50 Td (established ) Tj ET Q q 0 0 0 rg BT 224.57 303.50 Td (by ) Tj ET Q q 0 0 0 rg BT 244.16 303.50 Td (the ) Tj ET Q q 0 0 0 rg BT 267.76 303.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 298.01 303.50 Td (Department ) Tj ET Q q 0 0 0 rg BT 367.62 303.50 Td (of ) Tj ET Q q 0 0 0 rg BT 384.10 303.50 Td (T) Tj ET Q q 0 0 0 rg BT 390.98 303.50 Td (reasury ) Tj ET Q q 0 0 0 rg BT 437.91 303.50 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 445.90185546875 301.7890625 m 492.80029296875 301.7890625 l s q 0 0 0 rg BT 445.90 303.50 Td (T) Tj ET Q q 0 0 0 rg BT 452.79 303.50 Td (reasury) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 492.80 303.50 Td (\) ) Tj ET Q q 0 0 0 rg BT 507.71 303.50 Td (under ) Tj ET Q q 0 0 0 rg BT 545.32 303.50 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (Emergency ) Tj ET Q q 0 0 0 rg BT 116.48 289.10 Td (Economic ) Tj ET Q q 0 0 0 rg BT 174.95 289.10 Td (Stabilization ) Tj ET Q q 0 0 0 rg BT 245.44 289.10 Td ( ) Tj ET Q q 0 0 0 rg BT 250.07 289.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 273.19 289.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.98 289.10 Td (2008 ) Tj ET Q q 0 0 0 rg BT 321.46 289.10 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 329.45458984375 287.3890625 m 361.47021484375 287.3890625 l s q 0 0 0 rg BT 329.45 289.10 Td (EESA) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 361.47 289.10 Td (\), ) Tj ET Q q 0 0 0 rg BT 377.43 289.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 401.88 289.10 Td (has ) Tj ET Q q 0 0 0 rg BT 427.01 289.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 473.50 289.10 Td (into ) Tj ET Q q 0 0 0 rg BT 498.63 289.10 Td (agreements ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 274.70 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 99.16 274.70 Td (to ) Tj ET Q q 0 0 0 rg BT 111.63 274.70 Td (which ) Tj ET Q q 0 0 0 rg BT 144.61 274.70 Td (T) Tj ET Q q 0 0 0 rg BT 151.49 274.70 Td (reasury ) Tj ET Q q 0 0 0 rg BT 193.96 274.70 Td (has ) Tj ET Q q 0 0 0 rg BT 215.77 274.70 Td (made ) Tj ET Q q 0 0 0 rg BT 248.25 274.70 Td (investments ) Tj ET Q q 0 0 0 rg BT 314.74 274.70 Td (in ) Tj ET Q q 0 0 0 rg BT 326.05 274.70 Td (AFI. ) Tj ET Q q 0 0 0 rg BT 350.51 274.70 Td ( ) Tj ET Q q 0 0 0 rg BT 352.48 274.70 Td (As ) Tj ET Q q 0 0 0 rg BT 368.94 274.70 Td (a ) Tj ET Q q 0 0 0 rg BT 378.08 274.70 Td (result ) Tj ET Q q 0 0 0 rg BT 409.88 274.70 Td (of ) Tj ET Q q 0 0 0 rg BT 422.35 274.70 Td (these ) Tj ET Q q 0 0 0 rg BT 454.16 274.70 Td (investments, ) Tj ET Q q 0 0 0 rg BT 523.98 274.70 Td (subject ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 260.30 Td (to ) Tj ET Q q 0 0 0 rg BT 62.07 260.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 100.15 260.30 Td (exceptions, ) Tj ET Q q 0 0 0 rg BT 162.51 260.30 Td (AFI ) Tj ET Q q 0 0 0 rg BT 183.24 260.30 Td (and ) Tj ET Q q 0 0 0 rg BT 205.32 260.30 Td (its ) Tj ET Q q 0 0 0 rg BT 219.38 260.30 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 284.81 260.30 Td (are ) Tj ET Q q 0 0 0 rg BT 304.22 260.30 Td (generally ) Tj ET Q q 0 0 0 rg BT 354.98 260.30 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 409.74 260.30 Td (from ) Tj ET Q q 0 0 0 rg BT 435.81 260.30 Td (paying ) Tj ET Q q 0 0 0 rg BT 473.23 260.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 511.31 260.30 Td (dividends ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 245.90 Td (or ) Tj ET Q q 0 0 0 rg BT 64.66 245.90 Td (distributions ) Tj ET Q q 0 0 0 rg BT 132.68 245.90 Td (on, ) Tj ET Q q 0 0 0 rg BT 153.36 245.90 Td (or ) Tj ET Q q 0 0 0 rg BT 168.02 245.90 Td (redeeming, ) Tj ET Q q 0 0 0 rg BT 232.05 245.90 Td (repurchasing, ) Tj ET Q q 0 0 0 rg BT 308.75 245.90 Td (or ) Tj ET Q q 0 0 0 rg BT 323.41 245.90 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 376.10 245.90 Td (any ) Tj ET Q q 0 0 0 rg BT 398.64 245.90 Td (AFI ) Tj ET Q q 0 0 0 rg BT 421.30 245.90 Td (common ) Tj ET Q q 0 0 0 rg BT 471.31 245.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 503.31 245.90 Td (without ) Tj ET Q q 0 0 0 rg BT 545.32 245.90 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 231.50 Td (consent ) Tj ET Q q 0 0 0 rg BT 95.28 231.50 Td (of ) Tj ET Q q 0 0 0 rg BT 108.32 231.50 Td (T) Tj ET Q q 0 0 0 rg BT 115.20 231.50 Td (reasury) Tj ET Q q 0 0 0 rg BT 154.33 231.50 Td (. ) Tj ET Q q 0 0 0 rg BT 160.91 231.50 Td ( ) Tj ET Q q 0 0 0 rg BT 163.51 231.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 185.42 231.50 Td (has ) Tj ET Q q 0 0 0 rg BT 208.02 231.50 Td (further ) Tj ET Q q 0 0 0 rg BT 245.94 231.50 Td (agreed ) Tj ET Q q 0 0 0 rg BT 286.55 231.50 Td (that ) Tj ET Q q 0 0 0 rg BT 309.82 231.50 Td (while ) Tj ET Q q 0 0 0 rg BT 340.41 231.50 Td (any ) Tj ET Q q 0 0 0 rg BT 363.00 231.50 Td (obligation ) Tj ET Q q 0 0 0 rg BT 417.62 231.50 Td (of ) Tj ET Q q 0 0 0 rg BT 430.23 231.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 452.15 231.50 Td (arising ) Tj ET Q q 0 0 0 rg BT 490.74 231.50 Td (from ) Tj ET Q q 0 0 0 rg BT 517.99 231.50 Td (financial ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (assistance ) Tj ET Q q 0 0 0 rg BT 109.90 217.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 159.13 217.10 Td (under ) Tj ET Q q 0 0 0 rg BT 192.81 217.10 Td (T) Tj ET Q q 0 0 0 rg BT 199.25 217.10 Td (ARP) Tj ET Q q 0 0 0 rg BT 223.71 217.10 Td ( ) Tj ET Q q 0 0 0 rg BT 226.91 217.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 272.79 217.10 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 340.74 217.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 362.61 217.10 Td (will ) Tj ET Q q 0 0 0 rg BT 382.47 217.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 423.68 217.10 Td (with ) Tj ET Q q 0 0 0 rg BT 448.22 217.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 487.44 217.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 548.66 217.10 Td (on ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 202.70 Td (executive ) Tj ET Q q 0 0 0 rg BT 104.35 202.70 Td (perquisites ) Tj ET Q q 0 0 0 rg BT 166.03 202.70 Td (and ) Tj ET Q q 0 0 0 rg BT 189.71 202.70 Td (compensation. ) Tj ET Q q 0 0 0 rg BT 271.41 202.70 Td ( ) Tj ET Q q 0 0 0 rg BT 274.33 202.70 Td (AFI ) Tj ET Q q 0 0 0 rg BT 296.65 202.70 Td (must ) Tj ET Q q 0 0 0 rg BT 326.31 202.70 Td (also ) Tj ET Q q 0 0 0 rg BT 351.98 202.70 Td (take ) Tj ET Q q 0 0 0 rg BT 378.31 202.70 Td (all ) Tj ET Q q 0 0 0 rg BT 393.97 202.70 Td (necessary ) Tj ET Q q 0 0 0 rg BT 452.32 202.70 Td (action ) Tj ET Q q 0 0 0 rg BT 487.99 202.70 Td (to ) Tj ET Q q 0 0 0 rg BT 501.65 202.70 Td (ensure ) Tj ET Q q 0 0 0 rg BT 541.99 202.70 Td (that ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 188.30 Td (its ) Tj ET Q q 0 0 0 rg BT 66.81 188.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 107.65 188.30 Td (plans ) Tj ET Q q 0 0 0 rg BT 141.15 188.30 Td (comply ) Tj ET Q q 0 0 0 rg BT 183.97 188.30 Td (with ) Tj ET Q q 0 0 0 rg BT 210.13 188.30 Td (Section ) Tj ET Q q 0 0 0 rg BT 254.96 188.30 Td (1) Tj ET Q q 0 0 0 rg BT 260.75 188.30 Td (1) Tj ET Q q 0 0 0 rg BT 266.53 188.30 Td (1\(b\) ) Tj ET Q q 0 0 0 rg BT 292.68 188.30 Td (of ) Tj ET Q q 0 0 0 rg BT 307.50 188.30 Td (the ) Tj ET Q q 0 0 0 rg BT 329.00 188.30 Td (EESA) Tj ET Q q 0 0 0 rg BT 360.35 188.30 Td ( ) Tj ET Q q 0 0 0 rg BT 365.16 188.30 Td (as ) Tj ET Q q 0 0 0 rg BT 382.65 188.30 Td (implemented ) Tj ET Q q 0 0 0 rg BT 456.16 188.30 Td (by ) Tj ET Q q 0 0 0 rg BT 473.65 188.30 Td (any ) Tj ET Q q 0 0 0 rg BT 497.81 188.30 Td (guidance ) Tj ET Q q 0 0 0 rg BT 551.33 188.30 Td (or ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 173.90 Td (regulation ) Tj ET Q q 0 0 0 rg BT 105.08 173.90 Td (under ) Tj ET Q q 0 0 0 rg BT 138.16 173.90 Td (the ) Tj ET Q q 0 0 0 rg BT 157.22 173.90 Td (EESA, ) Tj ET Q q 0 0 0 rg BT 194.95 173.90 Td (as ) Tj ET Q q 0 0 0 rg BT 210.00 173.90 Td (amended ) Tj ET Q q 0 0 0 rg BT 262.42 173.90 Td (by ) Tj ET Q q 0 0 0 rg BT 277.47 173.90 Td (the ) Tj ET Q q 0 0 0 rg BT 296.06 173.90 Td (American ) Tj ET Q q 0 0 0 rg BT 349.13 173.90 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 402.19 173.90 Td (and ) Tj ET Q q 0 0 0 rg BT 424.59 173.90 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 499.86 173.90 Td (Act ) Tj ET Q q 0 0 0 rg BT 519.58 173.90 Td (of ) Tj ET Q q 0 0 0 rg BT 531.97 173.90 Td (2009, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 159.50 Td (as ) Tj ET Q q 0 0 0 rg BT 66.16 159.50 Td (implemented ) Tj ET Q q 0 0 0 rg BT 138.34 159.50 Td (by ) Tj ET Q q 0 0 0 rg BT 154.50 159.50 Td (the ) Tj ET Q q 0 0 0 rg BT 174.67 159.50 Td (Interim ) Tj ET Q q 0 0 0 rg BT 214.82 159.50 Td (Final ) Tj ET Q q 0 0 0 rg BT 244.32 159.50 Td (Rule ) Tj ET Q q 0 0 0 rg BT 272.48 159.50 Td (issued ) Tj ET Q q 0 0 0 rg BT 310.65 159.50 Td (by ) Tj ET Q q 0 0 0 rg BT 326.58 159.50 Td (T) Tj ET Q q 0 0 0 rg BT 333.47 159.50 Td (reasury ) Tj ET Q q 0 0 0 rg BT 376.97 159.50 Td (on ) Tj ET Q q 0 0 0 rg BT 393.80 159.50 Td (June ) Tj ET Q q 0 0 0 rg BT 423.30 159.50 Td (15, ) Tj ET Q q 0 0 0 rg BT 443.47 159.50 Td (2009, ) Tj ET Q q 0 0 0 rg BT 476.98 159.50 Td (and ) Tj ET Q q 0 0 0 rg BT 500.49 159.50 Td (any ) Tj ET Q q 0 0 0 rg BT 523.32 159.50 Td (rulings, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 111.31 145.10 Td (or ) Tj ET Q q 0 0 0 rg BT 126.61 145.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 189.25 145.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 262.57 145.10 Td (or ) Tj ET Q q 0 0 0 rg BT 277.87 145.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 317.18 145.10 Td (by ) Tj ET Q q 0 0 0 rg BT 334.48 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.79 145.10 Td (Of) Tj ET Q q 0 0 0 rg BT 368.24 145.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 391.54 145.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.18 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.49 145.10 Td (Special ) Tj ET Q q 0 0 0 rg BT 471.47 145.10 Td (Master ) Tj ET Q q 0 0 0 rg BT 512.77 145.10 Td (for ) Tj ET Q q 0 0 0 rg BT 531.10 145.10 Td (T) Tj ET Q q 0 0 0 rg BT 537.54 145.10 Td (ARP) Tj ET Q q 0 0 0 rg BT 562.00 145.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 130.70 Td (Compensation.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 94.30 Td (D.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 94.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 94.30 Td (Description of Derivative and Hedging ) Tj ET Q q 0 0 0 rg BT 306.26 94.30 Td (Activities) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 67.90 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 112.16 67.90 Td (are ) Tj ET Q q 0 0 0 rg BT 132.32 67.90 Td (instruments ) Tj ET Q q 0 0 0 rg BT 197.16 67.90 Td (that ) Tj ET Q q 0 0 0 rg BT 219.99 67.90 Td (derive ) Tj ET Q q 0 0 0 rg BT 255.49 67.90 Td (their ) Tj ET Q q 0 0 0 rg BT 281.64 67.90 Td (value ) Tj ET Q q 0 0 0 rg BT 313.15 67.90 Td (from ) Tj ET Q q 0 0 0 rg BT 339.96 67.90 Td (underlying ) Tj ET Q q 0 0 0 rg BT 398.15 67.90 Td (asset ) Tj ET Q q 0 0 0 rg BT 429.64 67.90 Td (prices, ) Tj ET Q q 0 0 0 rg BT 467.80 67.90 Td (indices, ) Tj ET Q q 0 0 0 rg BT 511.30 67.90 Td (reference ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 53.50 Td (rates, ) Tj ET Q q 0 0 0 rg BT 83.37 53.50 Td (and ) Tj ET Q q 0 0 0 rg BT 106.75 53.50 Td (other ) Tj ET Q q 0 0 0 rg BT 137.46 53.50 Td (inputs, ) Tj ET Q q 0 0 0 rg BT 176.17 53.50 Td (or ) Tj ET Q q 0 0 0 rg BT 190.20 53.50 Td (a ) Tj ET Q q 0 0 0 rg BT 200.23 53.50 Td (combination ) Tj ET Q q 0 0 0 rg BT 268.30 53.50 Td (of ) Tj ET Q q 0 0 0 rg BT 281.66 53.50 Td (these ) Tj ET Q q 0 0 0 rg BT 314.38 53.50 Td (factors. ) Tj ET Q q 0 0 0 rg BT 357.08 53.50 Td ( ) Tj ET Q q 0 0 0 rg BT 360.44 53.50 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 423.15 53.50 Td (may ) Tj ET Q q 0 0 0 rg BT 449.18 53.50 Td (be ) Tj ET Q q 0 0 0 rg BT 465.88 53.50 Td (listed ) Tj ET Q q 0 0 0 rg BT 497.25 53.50 Td (or ) Tj ET Q q 0 0 0 rg BT 511.28 53.50 Td (traded ) Tj ET Q q 0 0 0 rg BT 548.67 53.50 Td (on ) Tj ET Q endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (20) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (an ) Tj ET Q q 0 0 0 rg BT 66.49 740.30 Td (exchange ) Tj ET Q q 0 0 0 rg BT 121.67 740.30 Td (or ) Tj ET Q q 0 0 0 rg BT 135.48 740.30 Td (they ) Tj ET Q q 0 0 0 rg BT 161.30 740.30 Td (may ) Tj ET Q q 0 0 0 rg BT 187.11 740.30 Td (be ) Tj ET Q q 0 0 0 rg BT 203.59 740.30 Td (privately ) Tj ET Q q 0 0 0 rg BT 251.41 740.30 Td (negotiated ) Tj ET Q q 0 0 0 rg BT 310.60 740.30 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 365.76 740.30 Td (which ) Tj ET Q q 0 0 0 rg BT 399.58 740.30 Td (are ) Tj ET Q q 0 0 0 rg BT 420.06 740.30 Td (usually ) Tj ET Q q 0 0 0 rg BT 460.55 740.30 Td (referred ) Tj ET Q q 0 0 0 rg BT 505.71 740.30 Td (to ) Tj ET Q q 0 0 0 rg BT 518.86 740.30 Td (as ) Tj ET Q q 0 0 0 rg BT 534.67 740.30 Td (over-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (the-counter ) Tj ET Q q 0 0 0 rg BT 114.04 725.90 Td (derivatives.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 699.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.38 699.50 Td (enters ) Tj ET Q q 0 0 0 rg BT 110.78 699.50 Td (into ) Tj ET Q q 0 0 0 rg BT 134.17 699.50 Td (derivative ) Tj ET Q q 0 0 0 rg BT 189.57 699.50 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 261.65 699.50 Td (including ) Tj ET Q q 0 0 0 rg BT 313.06 699.50 Td (interest-rate ) Tj ET Q q 0 0 0 rg BT 381.13 699.50 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 422.52 699.50 Td (futures, ) Tj ET Q q 0 0 0 rg BT 466.58 699.50 Td (forwards, ) Tj ET Q q 0 0 0 rg BT 519.97 699.50 Td (options, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 73.39 685.10 Td (swaptions, ) Tj ET Q q 0 0 0 rg BT 133.45 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.15 685.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 207.56 685.10 Td (with ) Tj ET Q q 0 0 0 rg BT 232.26 685.10 Td (its ) Tj ET Q q 0 0 0 rg BT 247.63 685.10 Td (market ) Tj ET Q q 0 0 0 rg BT 287.67 685.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 309.69 685.10 Td (management ) Tj ET Q q 0 0 0 rg BT 383.10 685.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 435.81 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 439.18 685.10 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 501.89 685.10 Td (are ) Tj ET Q q 0 0 0 rg BT 522.60 685.10 Td (used ) Tj ET Q q 0 0 0 rg BT 551.99 685.10 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 670.70 Td (manage ) Tj ET Q q 0 0 0 rg BT 96.73 670.70 Td (interest-rate ) Tj ET Q q 0 0 0 rg BT 164.13 670.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 186.16 670.70 Td (relating ) Tj ET Q q 0 0 0 rg BT 228.88 670.70 Td (to ) Tj ET Q q 0 0 0 rg BT 242.26 670.70 Td (specific ) Tj ET Q q 0 0 0 rg BT 285.64 670.70 Td (groups ) Tj ET Q q 0 0 0 rg BT 325.70 670.70 Td (of ) Tj ET Q q 0 0 0 rg BT 339.08 670.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 377.13 670.70 Td (and ) Tj ET Q q 0 0 0 rg BT 400.52 670.70 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 452.57 670.70 Td (including ) Tj ET Q q 0 0 0 rg BT 503.30 670.70 Td (automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 656.30 Td (receivables ) Tj ET Q q 0 0 0 rg BT 115.11 656.30 Td (and ) Tj ET Q q 0 0 0 rg BT 139.54 656.30 Td (debt. ) Tj ET Q q 0 0 0 rg BT 170.63 656.30 Td ( ) Tj ET Q q 0 0 0 rg BT 174.17 656.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 206.20 656.30 Td (primary ) Tj ET Q q 0 0 0 rg BT 250.61 656.30 Td (objective ) Tj ET Q q 0 0 0 rg BT 302.38 656.30 Td (for ) Tj ET Q q 0 0 0 rg BT 320.79 656.30 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 365.22 656.30 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 426.99 656.30 Td (is ) Tj ET Q q 0 0 0 rg BT 440.06 656.30 Td (to ) Tj ET Q q 0 0 0 rg BT 454.48 656.30 Td (manage ) Tj ET Q q 0 0 0 rg BT 502.25 656.30 Td (market ) Tj ET Q q 0 0 0 rg BT 543.33 656.30 Td (risk ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (volatility ) Tj ET Q q 0 0 0 rg BT 96.01 641.90 Td (associated ) Tj ET Q q 0 0 0 rg BT 156.72 641.90 Td (with ) Tj ET Q q 0 0 0 rg BT 181.39 641.90 Td (interest-rate ) Tj ET Q q 0 0 0 rg BT 248.75 641.90 Td (risks ) Tj ET Q q 0 0 0 rg BT 276.75 641.90 Td (related ) Tj ET Q q 0 0 0 rg BT 316.77 641.90 Td (to ) Tj ET Q q 0 0 0 rg BT 330.11 641.90 Td (its ) Tj ET Q q 0 0 0 rg BT 345.45 641.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 383.46 641.90 Td (and ) Tj ET Q q 0 0 0 rg BT 406.82 641.90 Td (liabilities.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 615.50 Td (In addition, ) Tj ET Q q 0 0 0 rg BT 111.38 615.50 Td (Ally uses foreign exchange contracts to mitigate foreign-currency risk associated ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (with foreign currency-denominated investment securities, foreign currency-denominated debt, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 586.70 Td (foreign exchange transactions, and ) Tj ET Q q 0 0 0 rg BT 239.46 586.70 Td (Ally's net investment in foreign subsidiaries. Derivatives that ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 572.30 Td (were held for trading purposes were limited to those entered into by ) Tj ET Q q 0 0 0 rg BT 410.87 572.30 Td (Ally) Tj ET Q q 0 0 0 rg BT 432.66 572.30 Td (s broker-dealer) Tj ET Q BT /F9 12.00 Tf ET q 0 0 0 rg BT 513.36 572.30 Td (.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 516.39 572.30 Td ( Since ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 557.90 Td (the discontinuation of that business, ) Tj ET Q q 0 0 0 rg BT 243.46 557.90 Td (Ally no longer has any derivatives classified as trading.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 529.10 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 529.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 132.68 529.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 162.03 529.10 Td (Risk) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 502.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.29 502.70 Td (executes ) Tj ET Q q 0 0 0 rg BT 123.28 502.70 Td (interest-rate ) Tj ET Q q 0 0 0 rg BT 190.26 502.70 Td (swaps ) Tj ET Q q 0 0 0 rg BT 227.24 502.70 Td (to ) Tj ET Q q 0 0 0 rg BT 240.20 502.70 Td (modify ) Tj ET Q q 0 0 0 rg BT 278.50 502.70 Td (the ) Tj ET Q q 0 0 0 rg BT 298.14 502.70 Td (exposure ) Tj ET Q q 0 0 0 rg BT 350.47 502.70 Td (to ) Tj ET Q q 0 0 0 rg BT 363.43 502.70 Td (interest-rate ) Tj ET Q q 0 0 0 rg BT 430.42 502.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 452.04 502.70 Td (by ) Tj ET Q q 0 0 0 rg BT 467.67 502.70 Td (converting ) Tj ET Q q 0 0 0 rg BT 525.99 502.70 Td (certain ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 488.30 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 103.43 488.30 Td (instruments ) Tj ET Q q 0 0 0 rg BT 168.86 488.30 Td (to ) Tj ET Q q 0 0 0 rg BT 182.28 488.30 Td (a ) Tj ET Q q 0 0 0 rg BT 192.36 488.30 Td (variable ) Tj ET Q q 0 0 0 rg BT 237.79 488.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 261.88 488.30 Td (and ) Tj ET Q q 0 0 0 rg BT 285.31 488.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 324.73 488.30 Td (variable-rate ) Tj ET Q q 0 0 0 rg BT 394.84 488.30 Td (instruments ) Tj ET Q q 0 0 0 rg BT 460.27 488.30 Td (to ) Tj ET Q q 0 0 0 rg BT 473.69 488.30 Td (a ) Tj ET Q q 0 0 0 rg BT 483.77 488.30 Td (fixed ) Tj ET Q q 0 0 0 rg BT 512.53 488.30 Td (rate. ) Tj ET Q q 0 0 0 rg BT 539.95 488.30 Td ( ) Tj ET Q q 0 0 0 rg BT 542.68 488.30 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 473.90 Td (monitors ) Tj ET Q q 0 0 0 rg BT 99.85 473.90 Td (the ) Tj ET Q q 0 0 0 rg BT 120.36 473.90 Td (mix ) Tj ET Q q 0 0 0 rg BT 142.86 473.90 Td (of ) Tj ET Q q 0 0 0 rg BT 156.70 473.90 Td (fixed- ) Tj ET Q q 0 0 0 rg BT 189.88 473.90 Td (and ) Tj ET Q q 0 0 0 rg BT 213.73 473.90 Td (variable-rate ) Tj ET Q q 0 0 0 rg BT 284.27 473.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 322.78 473.90 Td (and ) Tj ET Q q 0 0 0 rg BT 346.64 473.90 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 399.16 473.90 Td ( ) Tj ET Q q 0 0 0 rg BT 402.99 473.90 Td (When ) Tj ET Q q 0 0 0 rg BT 438.17 473.90 Td (it ) Tj ET Q q 0 0 0 rg BT 448.01 473.90 Td (is ) Tj ET Q q 0 0 0 rg BT 460.51 473.90 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 496.30 473.90 Td (fective ) Tj ET Q q 0 0 0 rg BT 534.82 473.90 Td (to ) Tj ET Q q 0 0 0 rg BT 548.66 473.90 Td (do ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 459.50 Td (so, ) Tj ET Q q 0 0 0 rg BT 69.10 459.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 92.29 459.50 Td (may ) Tj ET Q q 0 0 0 rg BT 118.82 459.50 Td (enter ) Tj ET Q q 0 0 0 rg BT 150.03 459.50 Td (into ) Tj ET Q q 0 0 0 rg BT 173.24 459.50 Td (interest-rate ) Tj ET Q q 0 0 0 rg BT 241.12 459.50 Td (swaps ) Tj ET Q q 0 0 0 rg BT 278.99 459.50 Td (to ) Tj ET Q q 0 0 0 rg BT 292.86 459.50 Td (achieve ) Tj ET Q q 0 0 0 rg BT 338.08 459.50 Td (the ) Tj ET Q q 0 0 0 rg BT 358.62 459.50 Td (desired ) Tj ET Q q 0 0 0 rg BT 401.84 459.50 Td (mix ) Tj ET Q q 0 0 0 rg BT 424.36 459.50 Td (of ) Tj ET Q q 0 0 0 rg BT 438.22 459.50 Td (fixed- ) Tj ET Q q 0 0 0 rg BT 471.42 459.50 Td (and ) Tj ET Q q 0 0 0 rg BT 495.30 459.50 Td (variable-rate ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 88.09 445.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.51 445.10 Td (debt. ) Tj ET Q q 0 0 0 rg BT 141.60 445.10 Td ( ) Tj ET Q q 0 0 0 rg BT 145.01 445.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 179.76 445.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.17 445.10 Td (these ) Tj ET Q q 0 0 0 rg BT 225.93 445.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 268.70 445.10 Td (may ) Tj ET Q q 0 0 0 rg BT 294.78 445.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 332.87 445.10 Td (for ) Tj ET Q q 0 0 0 rg BT 350.28 445.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 387.05 445.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 448.50 445.10 Td (treatment. ) Tj ET Q q 0 0 0 rg BT 505.92 445.10 Td ( ) Tj ET Q q 0 0 0 rg BT 509.33 445.10 Td (Economic ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 430.70 Td (hedges ) Tj ET Q q 0 0 0 rg BT 92.92 430.70 Td (have ) Tj ET Q q 0 0 0 rg BT 122.49 430.70 Td (also ) Tj ET Q q 0 0 0 rg BT 148.05 430.70 Td (been ) Tj ET Q q 0 0 0 rg BT 178.29 430.70 Td (entered ) Tj ET Q q 0 0 0 rg BT 222.54 430.70 Td (into ) Tj ET Q q 0 0 0 rg BT 245.44 430.70 Td (to ) Tj ET Q q 0 0 0 rg BT 259.00 430.70 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 304.56 430.70 Td (exposure ) Tj ET Q q 0 0 0 rg BT 357.48 430.70 Td (for ) Tj ET Q q 0 0 0 rg BT 375.03 430.70 Td (the ) Tj ET Q q 0 0 0 rg BT 395.26 430.70 Td (following ) Tj ET Q q 0 0 0 rg BT 445.50 430.70 Td (categories: ) Tj ET Q q 0 0 0 rg BT 507.75 430.70 Td ( ) Tj ET Q q 0 0 0 rg BT 511.30 430.70 Td (mortgage ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 416.30 Td (servicing ) Tj ET Q q 0 0 0 rg BT 99.93 416.30 Td (rights, ) Tj ET Q q 0 0 0 rg BT 135.19 416.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 188.47 416.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 213.74 416.30 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 291.01 416.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 344.28 416.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 375.56 416.30 Td (held-for-sale, ) Tj ET Q q 0 0 0 rg BT 448.17 416.30 Td (debt, ) Tj ET Q q 0 0 0 rg BT 477.44 416.30 Td (equity ) Tj ET Q q 0 0 0 rg BT 512.05 416.30 Td (and ) Tj ET Q q 0 0 0 rg BT 534.65 416.30 Td (other ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 401.90 Td (fixed ) Tj ET Q q 0 0 0 rg BT 78.16 401.90 Td (versus ) Tj ET Q q 0 0 0 rg BT 116.31 401.90 Td (variable ) Tj ET Q q 0 0 0 rg BT 161.14 401.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 184.63 401.90 Td (exposure. ) Tj ET Q q 0 0 0 rg BT 240.14 401.90 Td ( ) Tj ET Q q 0 0 0 rg BT 242.39 401.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 264.54 401.90 Td (sold ) Tj ET Q q 0 0 0 rg BT 289.36 401.90 Td (its ) Tj ET Q q 0 0 0 rg BT 304.17 401.90 Td (agency ) Tj ET Q q 0 0 0 rg BT 345.67 401.90 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 381.15 401.90 Td (during ) Tj ET Q q 0 0 0 rg BT 417.32 401.90 Td (the ) Tj ET Q q 0 0 0 rg BT 436.81 401.90 Td (second ) Tj ET Q q 0 0 0 rg BT 478.31 401.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 519.14 401.90 Td (of ) Tj ET Q q 0 0 0 rg BT 531.96 401.90 Td (2013. ) Tj ET Q q 0 0 0 rg BT 565.33 401.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 387.50 Td (As ) Tj ET Q q 0 0 0 rg BT 67.14 387.50 Td (of ) Tj ET Q q 0 0 0 rg BT 80.28 387.50 Td (September ) Tj ET Q q 0 0 0 rg BT 142.12 387.50 Td (30, ) Tj ET Q q 0 0 0 rg BT 161.93 387.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 194.48 387.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 216.95 387.50 Td (had ) Tj ET Q q 0 0 0 rg BT 240.10 387.50 Td (no ) Tj ET Q q 0 0 0 rg BT 256.59 387.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 310.42 387.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 336.24 387.50 Td (commitments ) Tj ET Q q 0 0 0 rg BT 410.72 387.50 Td (and ) Tj ET Q q 0 0 0 rg BT 433.88 387.50 Td (an ) Tj ET Q q 0 0 0 rg BT 450.36 387.50 Td (immaterial ) Tj ET Q q 0 0 0 rg BT 508.84 387.50 Td (amount ) Tj ET Q q 0 0 0 rg BT 552.00 387.50 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (held-for-sale ) Tj ET Q q 0 0 0 rg BT 120.03 373.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 174.06 373.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 209.42 373.10 Td ( ) Tj ET Q q 0 0 0 rg BT 212.53 373.10 Td (Thus, ) Tj ET Q q 0 0 0 rg BT 245.22 373.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 267.89 373.10 Td (no ) Tj ET Q q 0 0 0 rg BT 284.57 373.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 321.26 373.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 363.96 373.10 Td (these ) Tj ET Q q 0 0 0 rg BT 396.65 373.10 Td (activities.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 346.70 Td (2.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 346.70 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 346.70 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 133.33 346.70 Td (Currency ) Tj ET Q q 0 0 0 rg BT 189.35 346.70 Td (Risk) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 320.30 Td (Ally enters into derivative financial instrument contracts to mitigate the risk associated with ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 305.90 Td (variability in cash flows related to foreign currency financial instruments. While ) Tj ET Q q 0 0 0 rg BT 470.18 305.90 Td (Ally has reduced ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 291.50 Td (the foreign exchange exposure to net investments in foreign operations through the sales of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (discontinued international businesses, foreign-currency forwards and option- based contracts ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 262.70 Td (have been entered into with external counterparties to hedge foreign exchange exposure on our ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 248.30 Td (net investments. ) Tj ET Q q 0 0 0 rg BT 143.38 248.30 Td (A) Tj ET Q q 0 0 0 rg BT 150.72 248.30 Td ( centralized-lending program is also used to manage liquidity for the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 233.90 Td (subsidiary businesses, but as of September 30, 2013, this activity is immaterial given the limited ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 219.50 Td (international operations.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 190.70 Td (Except for the remaining net investment hedges, ) Tj ET Q q 0 0 0 rg BT 310.15 190.70 Td (Ally generally has not elected to treat any ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 176.30 Td (foreign-currency derivatives as hedges for accounting purposes principally because the changes ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 161.90 Td (in the fair values of the foreign-currency swaps are substantially of) Tj ET Q q 0 0 0 rg BT 401.29 161.90 Td (fset by the foreign-currency ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 147.50 Td (revaluation gains and losses of the underlying assets and liabilities.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 118.70 Td (3. ) Tj ET Q q 0 0 0 rg BT 86.00 118.70 Td (Counterparty ) Tj ET Q q 0 0 0 rg BT 164.67 118.70 Td (Credit ) Tj ET Q q 0 0 0 rg BT 202.68 118.70 Td (Risk) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 92.30 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 112.75 92.30 Td (contain ) Tj ET Q q 0 0 0 rg BT 154.85 92.30 Td (an ) Tj ET Q q 0 0 0 rg BT 171.60 92.30 Td (element ) Tj ET Q q 0 0 0 rg BT 217.69 92.30 Td (of ) Tj ET Q q 0 0 0 rg BT 231.10 92.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 263.85 92.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 285.91 92.30 Td (if ) Tj ET Q q 0 0 0 rg BT 295.32 92.30 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 374.76 92.30 Td (are ) Tj ET Q q 0 0 0 rg BT 395.51 92.30 Td (unable ) Tj ET Q q 0 0 0 rg BT 434.95 92.30 Td (to ) Tj ET Q q 0 0 0 rg BT 448.36 92.30 Td (meet ) Tj ET Q q 0 0 0 rg BT 478.44 92.30 Td (the ) Tj ET Q q 0 0 0 rg BT 498.52 92.30 Td (terms ) Tj ET Q q 0 0 0 rg BT 531.92 92.30 Td (of ) Tj ET Q q 0 0 0 rg BT 545.33 92.30 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 77.90 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 118.64 77.90 Td ( ) Tj ET Q q 0 0 0 rg BT 120.57 77.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 154.52 77.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 175.12 77.90 Td (associated ) Tj ET Q q 0 0 0 rg BT 234.42 77.90 Td (with ) Tj ET Q q 0 0 0 rg BT 257.70 77.90 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 316.99 77.90 Td (is ) Tj ET Q q 0 0 0 rg BT 327.59 77.90 Td (measured ) Tj ET Q q 0 0 0 rg BT 382.89 77.90 Td (as ) Tj ET Q q 0 0 0 rg BT 397.50 77.90 Td (the ) Tj ET Q q 0 0 0 rg BT 416.12 77.90 Td (net ) Tj ET Q q 0 0 0 rg BT 434.73 77.90 Td (replacement ) Tj ET Q q 0 0 0 rg BT 502.70 77.90 Td (cost ) Tj ET Q q 0 0 0 rg BT 526.65 77.90 Td (should ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 63.50 Td (the ) Tj ET Q q 0 0 0 rg BT 70.49 63.50 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 150.35 63.50 Td (that ) Tj ET Q q 0 0 0 rg BT 174.18 63.50 Td (owe ) Tj ET Q q 0 0 0 rg BT 199.25 63.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 222.40 63.50 Td (under ) Tj ET Q q 0 0 0 rg BT 256.90 63.50 Td (the ) Tj ET Q q 0 0 0 rg BT 277.39 63.50 Td (contract ) Tj ET Q q 0 0 0 rg BT 323.89 63.50 Td (completely ) Tj ET Q q 0 0 0 rg BT 385.06 63.50 Td (fail ) Tj ET Q q 0 0 0 rg BT 404.21 63.50 Td (to ) Tj ET Q q 0 0 0 rg BT 418.03 63.50 Td (perform ) Tj ET Q q 0 0 0 rg BT 463.19 63.50 Td (under ) Tj ET Q q 0 0 0 rg BT 497.69 63.50 Td (the ) Tj ET Q q 0 0 0 rg BT 518.19 63.50 Td (terms ) Tj ET Q q 0 0 0 rg BT 552.00 63.50 Td (of ) Tj ET Q endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (21) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (those ) Tj ET Q q 0 0 0 rg BT 82.16 740.30 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 136.98 740.30 Td (assuming ) Tj ET Q q 0 0 0 rg BT 191.14 740.30 Td (no ) Tj ET Q q 0 0 0 rg BT 207.29 740.30 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 265.44 740.30 Td (of ) Tj ET Q q 0 0 0 rg BT 278.25 740.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 336.42 740.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 387.25 740.30 Td (as ) Tj ET Q q 0 0 0 rg BT 402.73 740.30 Td (measured ) Tj ET Q q 0 0 0 rg BT 458.89 740.30 Td (by ) Tj ET Q q 0 0 0 rg BT 474.36 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 493.85 740.30 Td (market ) Tj ET Q q 0 0 0 rg BT 533.32 740.30 Td (value ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.34 725.90 Td (the ) Tj ET Q q 0 0 0 rg BT 83.36 725.90 Td (derivative.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 699.50 Td (T) Tj ET Q q 0 0 0 rg BT 56.00 699.50 Td (o ) Tj ET Q q 0 0 0 rg BT 70.34 699.50 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 120.02 699.50 Td (the ) Tj ET Q q 0 0 0 rg BT 144.37 699.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 170.70 699.50 Td (of ) Tj ET Q q 0 0 0 rg BT 188.37 699.50 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 262.74 699.50 Td (default, ) Tj ET Q q 0 0 0 rg BT 308.25 699.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 335.25 699.50 Td (maintains ) Tj ET Q q 0 0 0 rg BT 394.27 699.50 Td (collateral ) Tj ET Q q 0 0 0 rg BT 449.96 699.50 Td (agreements ) Tj ET Q q 0 0 0 rg BT 520.99 699.50 Td (with ) Tj ET Q q 0 0 0 rg BT 550.00 699.50 Td (its ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 133.66 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 137.67 685.10 Td (The ) Tj ET Q q 0 0 0 rg BT 162.63 685.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 230.29 685.10 Td (require ) Tj ET Q q 0 0 0 rg BT 271.93 685.10 Td (both ) Tj ET Q q 0 0 0 rg BT 299.57 685.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 339.88 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 354.17 685.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 403.81 685.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 456.12 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 469.75 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.72 685.10 Td (event ) Tj ET Q q 0 0 0 rg BT 524.36 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 545.33 685.10 Td (fair ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 670.70 Td (values ) Tj ET Q q 0 0 0 rg BT 88.62 670.70 Td (of ) Tj ET Q q 0 0 0 rg BT 102.57 670.70 Td (the ) Tj ET Q q 0 0 0 rg BT 123.19 670.70 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 184.48 670.70 Td (meet ) Tj ET Q q 0 0 0 rg BT 215.09 670.70 Td (established ) Tj ET Q q 0 0 0 rg BT 279.74 670.70 Td (thresholds. ) Tj ET Q q 0 0 0 rg BT 342.38 670.70 Td ( ) Tj ET Q q 0 0 0 rg BT 346.31 670.70 Td (In ) Tj ET Q q 0 0 0 rg BT 360.26 670.70 Td (the ) Tj ET Q q 0 0 0 rg BT 380.88 670.70 Td (event ) Tj ET Q q 0 0 0 rg BT 414.17 670.70 Td (that ) Tj ET Q q 0 0 0 rg BT 438.12 670.70 Td (either ) Tj ET Q q 0 0 0 rg BT 472.07 670.70 Td (party ) Tj ET Q q 0 0 0 rg BT 502.69 670.70 Td (defaults ) Tj ET Q q 0 0 0 rg BT 548.65 670.70 Td (on ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 656.30 Td (the ) Tj ET Q q 0 0 0 rg BT 69.21 656.30 Td (obligation, ) Tj ET Q q 0 0 0 rg BT 126.44 656.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.65 656.30 Td (secured ) Tj ET Q q 0 0 0 rg BT 190.87 656.30 Td (party ) Tj ET Q q 0 0 0 rg BT 220.07 656.30 Td (may ) Tj ET Q q 0 0 0 rg BT 245.27 656.30 Td (seize ) Tj ET Q q 0 0 0 rg BT 275.81 656.30 Td (the ) Tj ET Q q 0 0 0 rg BT 295.02 656.30 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 348.90 656.30 Td ( ) Tj ET Q q 0 0 0 rg BT 351.43 656.30 Td (Generally) Tj ET Q q 0 0 0 rg BT 401.89 656.30 Td (, ) Tj ET Q q 0 0 0 rg BT 407.25 656.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 437.41 656.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 487.96 656.30 Td (arrangements ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (are ) Tj ET Q q 0 0 0 rg BT 69.27 641.90 Td (bilateral ) Tj ET Q q 0 0 0 rg BT 113.22 641.90 Td (such ) Tj ET Q q 0 0 0 rg BT 140.49 641.90 Td (that ) Tj ET Q q 0 0 0 rg BT 162.05 641.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 183.31 641.90 Td (and ) Tj ET Q q 0 0 0 rg BT 205.26 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 223.87 641.90 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 292.50 641.90 Td (each ) Tj ET Q q 0 0 0 rg BT 320.44 641.90 Td (post ) Tj ET Q q 0 0 0 rg BT 345.05 641.90 Td (collateral ) Tj ET Q q 0 0 0 rg BT 395.00 641.90 Td (for ) Tj ET Q q 0 0 0 rg BT 410.93 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 429.54 641.90 Td (value ) Tj ET Q q 0 0 0 rg BT 460.15 641.90 Td (of ) Tj ET Q q 0 0 0 rg BT 472.08 641.90 Td (its ) Tj ET Q q 0 0 0 rg BT 486.01 641.90 Td (total ) Tj ET Q q 0 0 0 rg BT 510.62 641.90 Td (obligation ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 627.50 Td (to ) Tj ET Q q 0 0 0 rg BT 63.29 627.50 Td (the ) Tj ET Q q 0 0 0 rg BT 83.26 627.50 Td (other ) Tj ET Q q 0 0 0 rg BT 113.89 627.50 Td (party) Tj ET Q q 0 0 0 rg BT 139.68 627.50 Td (. ) Tj ET Q q 0 0 0 rg BT 146.30 627.50 Td ( ) Tj ET Q q 0 0 0 rg BT 149.58 627.50 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 214.23 627.50 Td (terms ) Tj ET Q q 0 0 0 rg BT 247.51 627.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 290.15 627.50 Td (for ) Tj ET Q q 0 0 0 rg BT 307.44 627.50 Td (standard ) Tj ET Q q 0 0 0 rg BT 357.42 627.50 Td (and ) Tj ET Q q 0 0 0 rg BT 380.73 627.50 Td (customary ) Tj ET Q q 0 0 0 rg BT 439.36 627.50 Td (exchanges ) Tj ET Q q 0 0 0 rg BT 500.69 627.50 Td (of ) Tj ET Q q 0 0 0 rg BT 513.98 627.50 Td (collateral ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (based ) Tj ET Q q 0 0 0 rg BT 86.60 613.10 Td (on ) Tj ET Q q 0 0 0 rg BT 103.86 613.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 153.14 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 166.39 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.98 613.10 Td (market ) Tj ET Q q 0 0 0 rg BT 227.56 613.10 Td (value ) Tj ET Q q 0 0 0 rg BT 260.16 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 274.07 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.66 613.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 360.62 613.10 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 425.22 613.10 Td ( ) Tj ET Q q 0 0 0 rg BT 428.88 613.10 Td (The ) Tj ET Q q 0 0 0 rg BT 453.46 613.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 502.73 613.10 Td (party ) Tj ET Q q 0 0 0 rg BT 533.32 613.10 Td (posts ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (additional ) Tj ET Q q 0 0 0 rg BT 105.37 598.70 Td (collateral ) Tj ET Q q 0 0 0 rg BT 157.38 598.70 Td (when ) Tj ET Q q 0 0 0 rg BT 190.07 598.70 Td (their ) Tj ET Q q 0 0 0 rg BT 217.40 598.70 Td (obligation ) Tj ET Q q 0 0 0 rg BT 272.77 598.70 Td (rises ) Tj ET Q q 0 0 0 rg BT 302.10 598.70 Td (or ) Tj ET Q q 0 0 0 rg BT 316.76 598.70 Td (removes ) Tj ET Q q 0 0 0 rg BT 366.77 598.70 Td (collateral ) Tj ET Q q 0 0 0 rg BT 418.79 598.70 Td (when ) Tj ET Q q 0 0 0 rg BT 451.47 598.70 Td (it ) Tj ET Q q 0 0 0 rg BT 461.46 598.70 Td (falls. ) Tj ET Q q 0 0 0 rg BT 490.13 598.70 Td ( ) Tj ET Q q 0 0 0 rg BT 493.33 598.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 516.66 598.70 Td (also ) Tj ET Q q 0 0 0 rg BT 542.66 598.70 Td (has ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (unilateral ) Tj ET Q q 0 0 0 rg BT 102.43 584.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 154.18 584.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 221.28 584.30 Td (whereby ) Tj ET Q q 0 0 0 rg BT 270.37 584.30 Td (either ) Tj ET Q q 0 0 0 rg BT 303.38 584.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 326.45 584.30 Td (or ) Tj ET Q q 0 0 0 rg BT 340.85 584.30 Td (its ) Tj ET Q q 0 0 0 rg BT 356.58 584.30 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 427.01 584.30 Td (is ) Tj ET Q q 0 0 0 rg BT 439.41 584.30 Td (the ) Tj ET Q q 0 0 0 rg BT 459.82 584.30 Td (only ) Tj ET Q q 0 0 0 rg BT 485.57 584.30 Td (entity ) Tj ET Q q 0 0 0 rg BT 517.98 584.30 Td (required ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 569.90 Td (to ) Tj ET Q q 0 0 0 rg BT 64.74 569.90 Td (post ) Tj ET Q q 0 0 0 rg BT 92.16 569.90 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 148.25 569.90 Td ( ) Tj ET Q q 0 0 0 rg BT 152.98 569.90 Td (Finally) Tj ET Q q 0 0 0 rg BT 186.77 569.90 Td (, ) Tj ET Q q 0 0 0 rg BT 194.84 569.90 Td (certain ) Tj ET Q q 0 0 0 rg BT 235.59 569.90 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 297.68 569.90 Td (contain ) Tj ET Q q 0 0 0 rg BT 341.11 569.90 Td (provisions ) Tj ET Q q 0 0 0 rg BT 399.86 569.90 Td (that ) Tj ET Q q 0 0 0 rg BT 424.61 569.90 Td (require ) Tj ET Q q 0 0 0 rg BT 465.76 569.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 489.83 569.90 Td (to ) Tj ET Q q 0 0 0 rg BT 504.57 569.90 Td (either ) Tj ET Q q 0 0 0 rg BT 539.32 569.90 Td (post ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 555.50 Td (additional ) Tj ET Q q 0 0 0 rg BT 105.11 555.50 Td (collateral ) Tj ET Q q 0 0 0 rg BT 156.86 555.50 Td (or ) Tj ET Q q 0 0 0 rg BT 171.26 555.50 Td (immediately ) Tj ET Q q 0 0 0 rg BT 239.01 555.50 Td (settle ) Tj ET Q q 0 0 0 rg BT 271.42 555.50 Td (any ) Tj ET Q q 0 0 0 rg BT 294.50 555.50 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 360.28 555.50 Td (liability ) Tj ET Q q 0 0 0 rg BT 400.03 555.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 451.79 555.50 Td (upon ) Tj ET Q q 0 0 0 rg BT 482.22 555.50 Td (the ) Tj ET Q q 0 0 0 rg BT 502.63 555.50 Td (occurrence ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (of ) Tj ET Q q 0 0 0 rg BT 63.34 541.10 Td (a ) Tj ET Q q 0 0 0 rg BT 73.35 541.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 124.04 541.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 156.72 541.10 Td (risk-related ) Tj ET Q q 0 0 0 rg BT 219.41 541.10 Td (event.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 504.30 Td (E.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 61.34 504.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 504.30 Td (Memberships in Material Payment, Clearing, and Settlement Systems) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 477.90 Td (T) Tj ET Q q 0 0 0 rg BT 56.00 477.90 Td (o ) Tj ET Q q 0 0 0 rg BT 65.68 477.90 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 112.70 477.90 Td (its ) Tj ET Q q 0 0 0 rg BT 127.70 477.90 Td (business ) Tj ET Q q 0 0 0 rg BT 178.06 477.90 Td (and ) Tj ET Q q 0 0 0 rg BT 201.09 477.90 Td (support ) Tj ET Q q 0 0 0 rg BT 244.12 477.90 Td (client ) Tj ET Q q 0 0 0 rg BT 275.13 477.90 Td (and ) Tj ET Q q 0 0 0 rg BT 298.15 477.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 350.50 477.90 Td (needs, ) Tj ET Q q 0 0 0 rg BT 388.94 477.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 411.28 477.90 Td (maintains ) Tj ET Q q 0 0 0 rg BT 465.64 477.90 Td (memberships ) Tj ET Q q 0 0 0 rg BT 540.66 477.90 Td (with ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 463.50 Td (and ) Tj ET Q q 0 0 0 rg BT 73.90 463.50 Td (participates ) Tj ET Q q 0 0 0 rg BT 139.15 463.50 Td (in ) Tj ET Q q 0 0 0 rg BT 152.36 463.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 192.26 463.50 Td (payment, ) Tj ET Q q 0 0 0 rg BT 245.50 463.50 Td (clearing, ) Tj ET Q q 0 0 0 rg BT 294.74 463.50 Td (and ) Tj ET Q q 0 0 0 rg BT 318.64 463.50 Td (settlement ) Tj ET Q q 0 0 0 rg BT 377.88 463.50 Td (systems, ) Tj ET Q q 0 0 0 rg BT 429.09 463.50 Td (which ) Tj ET Q q 0 0 0 rg BT 463.65 463.50 Td (are ) Tj ET Q q 0 0 0 rg BT 484.88 463.50 Td (also ) Tj ET Q q 0 0 0 rg BT 510.77 463.50 Td (known ) Tj ET Q q 0 0 0 rg BT 549.34 463.50 Td (as ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 449.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 98.03 449.10 Td (market ) Tj ET Q q 0 0 0 rg BT 138.70 449.10 Td (utilities ) Tj ET Q q 0 0 0 rg BT 179.38 449.10 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 187.373046875 447.3890625 m 219.365234375 447.3890625 l s q 0 0 0 rg BT 187.37 449.10 Td (FMUs) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 219.37 449.10 Td (\). ) Tj ET Q q 0 0 0 rg BT 234.69 449.10 Td ( ) Tj ET Q q 0 0 0 rg BT 238.69 449.10 Td (FMUs ) Tj ET Q q 0 0 0 rg BT 274.68 449.10 Td (permit ) Tj ET Q q 0 0 0 rg BT 311.23 449.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 334.56 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.57 449.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 391.93 449.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 441.96 449.10 Td (services ) Tj ET Q q 0 0 0 rg BT 489.97 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.97 449.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 541.99 449.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 434.70 Td (customers, ) Tj ET Q q 0 0 0 rg BT 112.15 434.70 Td (and ) Tj ET Q q 0 0 0 rg BT 135.63 434.70 Td (to ) Tj ET Q q 0 0 0 rg BT 149.11 434.70 Td (engage ) Tj ET Q q 0 0 0 rg BT 192.62 434.70 Td (in ) Tj ET Q q 0 0 0 rg BT 205.42 434.70 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 266.25 434.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 334.41 434.70 Td (as ) Tj ET Q q 0 0 0 rg BT 350.55 434.70 Td (needed ) Tj ET Q q 0 0 0 rg BT 394.06 434.70 Td (to ) Tj ET Q q 0 0 0 rg BT 407.53 434.70 Td (manage ) Tj ET Q q 0 0 0 rg BT 454.36 434.70 Td (risk, ) Tj ET Q q 0 0 0 rg BT 479.83 434.70 Td (secure ) Tj ET Q q 0 0 0 rg BT 519.31 434.70 Td (funding, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 420.30 Td (and ) Tj ET Q q 0 0 0 rg BT 73.89 420.30 Td (meet ) Tj ET Q q 0 0 0 rg BT 104.44 420.30 Td (the ) Tj ET Q q 0 0 0 rg BT 124.99 420.30 Td (needs ) Tj ET Q q 0 0 0 rg BT 161.55 420.30 Td (of ) Tj ET Q q 0 0 0 rg BT 175.42 420.30 Td (its ) Tj ET Q q 0 0 0 rg BT 191.29 420.30 Td (clients ) Tj ET Q q 0 0 0 rg BT 229.17 420.30 Td (and ) Tj ET Q q 0 0 0 rg BT 253.06 420.30 Td (customers. ) Tj ET Q q 0 0 0 rg BT 315.61 420.30 Td ( ) Tj ET Q q 0 0 0 rg BT 319.48 420.30 Td (In ) Tj ET Q q 0 0 0 rg BT 333.36 420.30 Td (this ) Tj ET Q q 0 0 0 rg BT 355.90 420.30 Td (context, ) Tj ET Q q 0 0 0 rg BT 401.79 420.30 Td (membership ) Tj ET Q q 0 0 0 rg BT 479.68 420.30 Td (means ) Tj ET Q q 0 0 0 rg BT 519.56 420.30 Td (that ) Tj ET Q q 0 0 0 rg BT 542.68 420.30 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 405.90 Td (has ) Tj ET Q q 0 0 0 rg BT 72.68 405.90 Td (direct ) Tj ET Q q 0 0 0 rg BT 105.36 405.90 Td (access ) Tj ET Q q 0 0 0 rg BT 146.04 405.90 Td (to ) Tj ET Q q 0 0 0 rg BT 159.38 405.90 Td (these ) Tj ET Q q 0 0 0 rg BT 192.07 405.90 Td (FMUs.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 379.50 Td (The ) Tj ET Q q 0 0 0 rg BT 75.77 379.50 Td (following ) Tj ET Q q 0 0 0 rg BT 127.55 379.50 Td (table ) Tj ET Q q 0 0 0 rg BT 158.65 379.50 Td (lists ) Tj ET Q q 0 0 0 rg BT 184.41 379.50 Td (the ) Tj ET Q q 0 0 0 rg BT 206.18 379.50 Td (material ) Tj ET Q q 0 0 0 rg BT 253.94 379.50 Td (payment, ) Tj ET Q q 0 0 0 rg BT 308.39 379.50 Td (clearing, ) Tj ET Q q 0 0 0 rg BT 358.84 379.50 Td (and ) Tj ET Q q 0 0 0 rg BT 383.94 379.50 Td (settlement ) Tj ET Q q 0 0 0 rg BT 444.39 379.50 Td (systems ) Tj ET Q q 0 0 0 rg BT 493.48 379.50 Td (in ) Tj ET Q q 0 0 0 rg BT 507.91 379.50 Td (which ) Tj ET Q q 0 0 0 rg BT 542.67 379.50 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 365.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 104.69 365.10 Td (a ) Tj ET Q q 0 0 0 rg BT 114.70 365.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 147.38 365.10 Td (membership.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112 342.6 m 112 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112 342.6 m 190 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 342.6 m 190 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 342.6 m 283 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 342.6 m 283 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 342.6 m 499 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 342.6 m 499 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112 320.6 m 112 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112 320.6 m 190 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 320.6 m 190 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 320.6 m 283 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 320.6 m 283 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 320.6 m 499 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 320.6 m 499 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112 296.6 m 112 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 296.6 m 190 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 296.6 m 283 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 296.6 m 283 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 296.6 m 499 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 296.6 m 499 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112 252.60000000000002 m 112 198.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112 252.60000000000002 m 190 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112 198.60000000000002 m 190 198.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 252.60000000000002 m 190 198.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 252.60000000000002 m 283 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190 198.60000000000002 m 283 198.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 252.60000000000002 m 283 198.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 252.60000000000002 m 499 198.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 252.60000000000002 m 499 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 198.60000000000002 m 499 198.60000000000002 l s BT /F3 11.00 Tf ET q 0 0 0 rg BT 138.05 328.79 Td (Type) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 225.15 329.02 Td (FMU) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 329.35 328.79 Td (Description of Services) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 114.50 284.30 Td (Payment ) Tj ET Q q 0 0 0 rg BT 151.99 284.30 Td (Systems) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 192.50 310.80 Td (Fedwire Funds) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 192.50 301.80 Td (Service) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 311.55 Td (Electronic ) Tj ET Q q 0 0 0 rg BT 329.65 311.55 Td (payment ) Tj ET Q q 0 0 0 rg BT 368.80 311.55 Td (system ) Tj ET Q q 0 0 0 rg BT 401.93 311.55 Td (for ) Tj ET Q q 0 0 0 rg BT 417.06 311.55 Td (cash ) Tj ET Q q 0 0 0 rg BT 440.71 311.55 Td (in ) Tj ET Q q 0 0 0 rg BT 452.34 311.55 Td (the ) Tj ET Q q 0 0 0 rg BT 469.48 311.55 Td (United ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 302.55 Td (States) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 192.50 272.30 Td (FedACH Services) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 287.55 Td (Electronic ) Tj ET Q q 0 0 0 rg BT 331.10 287.55 Td (payment ) Tj ET Q q 0 0 0 rg BT 371.70 287.55 Td (system ) Tj ET Q q 0 0 0 rg BT 406.29 287.55 Td (for ) Tj ET Q q 0 0 0 rg BT 422.87 287.55 Td (batched ) Tj ET Q q 0 0 0 rg BT 460.98 287.55 Td (payment ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 278.55 Td (services ) Tj ET Q q 0 0 0 rg BT 322.78 278.55 Td (and ) Tj ET Q q 0 0 0 rg BT 342.06 278.55 Td (the ) Tj ET Q q 0 0 0 rg BT 358.84 278.55 Td (electronic ) Tj ET Q q 0 0 0 rg BT 401.63 278.55 Td (exchange ) Tj ET Q q 0 0 0 rg BT 444.93 278.55 Td (of ) Tj ET Q q 0 0 0 rg BT 456.70 278.55 Td (debit ) Tj ET Q q 0 0 0 rg BT 480.48 278.55 Td (and ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 269.55 Td (credit ) Tj ET Q q 0 0 0 rg BT 311.55 269.55 Td (transactions ) Tj ET Q q 0 0 0 rg BT 364.11 269.55 Td (through ) Tj ET Q q 0 0 0 rg BT 398.67 269.55 Td (the ) Tj ET Q q 0 0 0 rg BT 414.42 269.55 Td (Automated ) Tj ET Q q 0 0 0 rg BT 461.98 269.55 Td (Clearing ) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 260.55 Td (House ) Tj ET Q q 0 0 0 rg BT 314.02 260.55 Td (\() Tj ET Q BT /F5 9.00 Tf ET 0 0 0 RG /GS0 gs 0.66 w 0 i [] 0 d 1 J 1 j 3 M 320.01025390625 259.26455078125 m 339.01220703125 259.26455078125 l s q 0 0 0 rg BT 320.01 260.55 Td (ACH) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 339.01 260.55 Td (\) ) Tj ET Q q 0 0 0 rg BT 347.51 260.55 Td (network) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 114.50 227.80 Td (International) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 114.50 218.80 Td (Messaging Utility) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 192.50 236.80 Td (SWIFT \(The Society) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 192.50 227.80 Td (for Worldwide) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 192.50 218.80 Td (Interbank Financial) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 192.50 209.80 Td (Telecommunication\)) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 243.55 Td (Telecommunication platform for the exchange of) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 234.55 Td (standardized financial messages between financial) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 225.55 Td (institutions, between financial institutions and market) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 216.55 Td (infrastructures, and between financial institutions) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 285.50 207.55 Td (and their corporate clients and customers) Tj ET Q BT /F2 10.00 Tf ET BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 159.30 Td (F) Tj ET Q q 0 0 0 rg BT 56.00 159.30 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.33 159.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 159.30 Td (Description of Non-U.S. Operations) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 132.90 Td (During ) Tj ET Q q 0 0 0 rg BT 89.49 132.90 Td (2012, ) Tj ET Q q 0 0 0 rg BT 122.85 132.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 146.33 132.90 Td (decided ) Tj ET Q q 0 0 0 rg BT 192.51 132.90 Td (to ) Tj ET Q q 0 0 0 rg BT 206.66 132.90 Td (sell ) Tj ET Q q 0 0 0 rg BT 228.81 132.90 Td (substantially ) Tj ET Q q 0 0 0 rg BT 298.99 132.90 Td (all ) Tj ET Q q 0 0 0 rg BT 315.14 132.90 Td (of ) Tj ET Q q 0 0 0 rg BT 329.29 132.90 Td (its ) Tj ET Q q 0 0 0 rg BT 345.44 132.90 Td (international ) Tj ET Q q 0 0 0 rg BT 414.96 132.90 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 482.47 132.90 Td (which ) Tj ET Q q 0 0 0 rg BT 517.30 132.90 Td (included ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 118.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 112.79 118.50 Td (finance, ) Tj ET Q q 0 0 0 rg BT 158.91 118.50 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 218.37 118.50 Td (and ) Tj ET Q q 0 0 0 rg BT 242.48 118.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 288.60 118.50 Td (and ) Tj ET Q q 0 0 0 rg BT 312.72 118.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 355.50 118.50 Td (operations. ) Tj ET Q q 0 0 0 rg BT 418.97 118.50 Td ( ) Tj ET Q q 0 0 0 rg BT 423.06 118.50 Td (On ) Tj ET Q q 0 0 0 rg BT 443.16 118.50 Td (February ) Tj ET Q q 0 0 0 rg BT 495.26 118.50 Td (1, ) Tj ET Q q 0 0 0 rg BT 509.36 118.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 542.67 118.50 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 104.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 109.49 104.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.29 104.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 156.43 104.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.56 104.10 Td (its ) Tj ET Q q 0 0 0 rg BT 186.68 104.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 242.18 104.10 Td (automotive ) Tj ET Q q 0 0 0 rg BT 305.00 104.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 347.81 104.10 Td (operation ) Tj ET Q q 0 0 0 rg BT 401.98 104.10 Td (to ) Tj ET Q q 0 0 0 rg BT 416.11 104.10 Td (Royal ) Tj ET Q q 0 0 0 rg BT 450.91 104.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 482.38 104.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.51 104.10 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 546.00 104.10 Td (On ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 89.70 Td (February ) Tj ET Q q 0 0 0 rg BT 99.71 89.70 Td (28, ) Tj ET Q q 0 0 0 rg BT 118.08 89.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 149.47 89.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 170.49 89.70 Td (completed ) Tj ET Q q 0 0 0 rg BT 227.55 89.70 Td (the ) Tj ET Q q 0 0 0 rg BT 245.92 89.70 Td (sale ) Tj ET Q q 0 0 0 rg BT 269.63 89.70 Td (of ) Tj ET Q q 0 0 0 rg BT 281.33 89.70 Td (Car ) Tj ET Q q 0 0 0 rg BT 302.36 89.70 Td (Care ) Tj ET Q q 0 0 0 rg BT 330.06 89.70 Td (Plan ) Tj ET Q q 0 0 0 rg BT 355.77 89.70 Td (\(Holdings\) ) Tj ET Q q 0 0 0 rg BT 412.14 89.70 Td (Ltd. ) Tj ET Q q 0 0 0 rg BT 433.85 89.70 Td (, ) Tj ET Q q 0 0 0 rg BT 438.88 89.70 Td (which ) Tj ET Q q 0 0 0 rg BT 471.25 89.70 Td (held ) Tj ET Q q 0 0 0 rg BT 495.63 89.70 Td (its ) Tj ET Q q 0 0 0 rg BT 509.32 89.70 Td (remaining ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 75.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 104.37 75.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 162.76 75.30 Td (in ) Tj ET Q q 0 0 0 rg BT 174.44 75.30 Td (Europe ) Tj ET Q q 0 0 0 rg BT 215.48 75.30 Td (and ) Tj ET Q q 0 0 0 rg BT 237.84 75.30 Td (Latin ) Tj ET Q q 0 0 0 rg BT 265.74 75.30 Td (America, ) Tj ET Q q 0 0 0 rg BT 315.43 75.30 Td (to ) Tj ET Q q 0 0 0 rg BT 327.31 75.30 Td (Amtrust ) Tj ET Q q 0 0 0 rg BT 370.99 75.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 421.36 75.30 Td (Services. ) Tj ET Q q 0 0 0 rg BT 473.05 75.30 Td ( ) Tj ET Q q 0 0 0 rg BT 475.39 75.30 Td (On ) Tj ET Q q 0 0 0 rg BT 493.28 75.30 Td (April ) Tj ET Q q 0 0 0 rg BT 519.63 75.30 Td (1, ) Tj ET Q q 0 0 0 rg BT 531.98 75.30 Td (2013, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 60.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.36 60.90 Td (completed ) Tj ET Q q 0 0 0 rg BT 132.75 60.90 Td (the ) Tj ET Q q 0 0 0 rg BT 153.46 60.90 Td (sale ) Tj ET Q q 0 0 0 rg BT 179.50 60.90 Td (of ) Tj ET Q q 0 0 0 rg BT 193.53 60.90 Td (the ) Tj ET Q q 0 0 0 rg BT 214.24 60.90 Td (majority ) Tj ET Q q 0 0 0 rg BT 260.27 60.90 Td (of ) Tj ET Q q 0 0 0 rg BT 274.31 60.90 Td (its ) Tj ET Q q 0 0 0 rg BT 290.33 60.90 Td (automotive ) Tj ET Q q 0 0 0 rg BT 353.06 60.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 395.78 60.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 455.84 60.90 Td (in ) Tj ET Q q 0 0 0 rg BT 469.21 60.90 Td (Europe ) Tj ET Q q 0 0 0 rg BT 511.93 60.90 Td (and ) Tj ET Q q 0 0 0 rg BT 535.98 60.90 Td (Latin ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 46.50 Td (America ) Tj ET Q q 0 0 0 rg BT 98.85 46.50 Td (to ) Tj ET Q q 0 0 0 rg BT 113.70 46.50 Td (GM ) Tj ET Q q 0 0 0 rg BT 137.87 46.50 Td (Financial. ) Tj ET Q q 0 0 0 rg BT 194.06 46.50 Td ( ) Tj ET Q q 0 0 0 rg BT 198.90 46.50 Td (On ) Tj ET Q q 0 0 0 rg BT 219.75 46.50 Td (May ) Tj ET Q q 0 0 0 rg BT 247.26 46.50 Td (2, ) Tj ET Q q 0 0 0 rg BT 262.11 46.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 296.02 46.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 320.19 46.50 Td (completed ) Tj ET Q q 0 0 0 rg BT 380.40 46.50 Td (the ) Tj ET Q q 0 0 0 rg BT 401.92 46.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 428.77 46.50 Td (of ) Tj ET Q q 0 0 0 rg BT 443.62 46.50 Td (its ) Tj ET Q q 0 0 0 rg BT 460.46 46.50 Td (Mexican ) Tj ET Q q 0 0 0 rg BT 509.98 46.50 Td (insurance ) Tj ET Q endstream endobj 45 0 obj <> endobj 46 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (22) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (company) Tj ET Q q 0 0 0 rg BT 97.80 740.30 Td (, ) Tj ET Q q 0 0 0 rg BT 103.96 740.30 Td (Aba ) Tj ET Q q 0 0 0 rg BT 128.83 740.30 Td (Seguros, ) Tj ET Q q 0 0 0 rg BT 180.38 740.30 Td (S.A. ) Tj ET Q q 0 0 0 rg BT 206.57 740.30 Td (de ) Tj ET Q q 0 0 0 rg BT 223.44 740.30 Td (C.V) Tj ET Q q 0 0 0 rg BT 242.34 740.30 Td (., ) Tj ET Q q 0 0 0 rg BT 252.53 740.30 Td (to ) Tj ET Q q 0 0 0 rg BT 265.36 740.30 Td (ACE ) Tj ET Q q 0 0 0 rg BT 293.55 740.30 Td (Limited. ) Tj ET Q q 0 0 0 rg BT 339.09 740.30 Td ( ) Tj ET Q q 0 0 0 rg BT 342.61 740.30 Td (On ) Tj ET Q q 0 0 0 rg BT 362.13 740.30 Td (June ) Tj ET Q q 0 0 0 rg BT 391.67 740.30 Td (1, ) Tj ET Q q 0 0 0 rg BT 405.20 740.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 438.05 740.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 460.91 740.30 Td (completed ) Tj ET Q q 0 0 0 rg BT 519.79 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 539.99 740.30 Td (sale ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.66 725.90 Td (the ) Tj ET Q q 0 0 0 rg BT 83.99 725.90 Td (remainder ) Tj ET Q q 0 0 0 rg BT 141.67 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 155.33 725.90 Td (its ) Tj ET Q q 0 0 0 rg BT 170.98 725.90 Td (automotive ) Tj ET Q q 0 0 0 rg BT 233.33 725.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 275.67 725.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 335.37 725.90 Td (in ) Tj ET Q q 0 0 0 rg BT 348.36 725.90 Td (Europe ) Tj ET Q q 0 0 0 rg BT 390.70 725.90 Td (to ) Tj ET Q q 0 0 0 rg BT 404.36 725.90 Td (GM ) Tj ET Q q 0 0 0 rg BT 427.34 725.90 Td (Financial. ) Tj ET Q q 0 0 0 rg BT 482.35 725.90 Td ( ) Tj ET Q q 0 0 0 rg BT 486.00 725.90 Td (On ) Tj ET Q q 0 0 0 rg BT 505.66 725.90 Td (October ) Tj ET Q q 0 0 0 rg BT 552.00 725.90 Td (1, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 711.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 81.84 711.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 103.44 711.50 Td (completed ) Tj ET Q q 0 0 0 rg BT 161.07 711.50 Td (the ) Tj ET Q q 0 0 0 rg BT 180.01 711.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 204.29 711.50 Td (of ) Tj ET Q q 0 0 0 rg BT 216.56 711.50 Td (the ) Tj ET Q q 0 0 0 rg BT 235.50 711.50 Td (remainder ) Tj ET Q q 0 0 0 rg BT 291.79 711.50 Td (of ) Tj ET Q q 0 0 0 rg BT 304.06 711.50 Td (its ) Tj ET Q q 0 0 0 rg BT 318.32 711.50 Td (automotive ) Tj ET Q q 0 0 0 rg BT 379.29 711.50 Td (finance ) Tj ET Q q 0 0 0 rg BT 420.24 711.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 478.55 711.50 Td (in ) Tj ET Q q 0 0 0 rg BT 490.15 711.50 Td (Latin ) Tj ET Q q 0 0 0 rg BT 517.98 711.50 Td (America ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 63.23 697.10 Td (GM ) Tj ET Q q 0 0 0 rg BT 85.79 697.10 Td (Financial. ) Tj ET Q q 0 0 0 rg BT 140.38 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 143.60 697.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 177.39 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 183.31 697.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 205.87 697.10 Td (anticipates ) Tj ET Q q 0 0 0 rg BT 266.46 697.10 Td (closing ) Tj ET Q q 0 0 0 rg BT 307.04 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.95 697.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 352.19 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.43 697.10 Td (its ) Tj ET Q q 0 0 0 rg BT 380.65 697.10 Td (share ) Tj ET Q q 0 0 0 rg BT 413.90 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 426.46 697.10 Td (a ) Tj ET Q q 0 0 0 rg BT 436.37 697.10 Td (joint ) Tj ET Q q 0 0 0 rg BT 461.61 697.10 Td (venture ) Tj ET Q q 0 0 0 rg BT 504.86 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.42 697.10 Td (China ) Tj ET Q q 0 0 0 rg BT 552.00 697.10 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 682.70 Td (GM ) Tj ET Q q 0 0 0 rg BT 72.66 682.70 Td (Financial ) Tj ET Q q 0 0 0 rg BT 124.02 682.70 Td (during ) Tj ET Q q 0 0 0 rg BT 160.71 682.70 Td (2014.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 656.30 Td (For ) Tj ET Q q 0 0 0 rg BT 71.64 656.30 Td (further ) Tj ET Q q 0 0 0 rg BT 109.96 656.30 Td (details ) Tj ET Q q 0 0 0 rg BT 148.28 656.30 Td (with ) Tj ET Q q 0 0 0 rg BT 173.26 656.30 Td (respect ) Tj ET Q q 0 0 0 rg BT 216.24 656.30 Td (to ) Tj ET Q q 0 0 0 rg BT 229.17 656.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 260.43 656.30 Td (sales ) Tj ET Q q 0 0 0 rg BT 292.08 656.30 Td (of ) Tj ET Q q 0 0 0 rg BT 305.73 656.30 Td (international ) Tj ET Q q 0 0 0 rg BT 374.74 656.30 Td (operations, ) Tj ET Q q 0 0 0 rg BT 437.75 656.30 Td (refer ) Tj ET Q q 0 0 0 rg BT 466.06 656.30 Td (to ) Tj ET Q q 0 0 0 rg BT 479.71 656.30 Td (Notes ) Tj ET Q q 0 0 0 rg BT 514.69 656.30 Td (2 ) Tj ET Q q 0 0 0 rg BT 525.00 656.30 Td (and ) Tj ET Q q 0 0 0 rg BT 548.66 656.30 Td (31 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (to ) Tj ET Q q 0 0 0 rg BT 62.58 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 81.84 641.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 154.46 641.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 205.06 641.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 268.33 641.90 Td (in ) Tj ET Q q 0 0 0 rg BT 280.25 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 299.51 641.90 Td (2012 ) Tj ET Q q 0 0 0 rg BT 328.78 641.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 359.35 641.90 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 390.61 641.90 Td (to ) Tj ET Q q 0 0 0 rg BT 403.19 641.90 Td (Notes ) Tj ET Q q 0 0 0 rg BT 437.11 641.90 Td (2 ) Tj ET Q q 0 0 0 rg BT 446.36 641.90 Td (and ) Tj ET Q q 0 0 0 rg BT 468.96 641.90 Td (27 ) Tj ET Q q 0 0 0 rg BT 484.88 641.90 Td (to ) Tj ET Q q 0 0 0 rg BT 497.46 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 516.72 641.90 Td (1Q ) Tj ET Q q 0 0 0 rg BT 535.30 641.90 Td (2013 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 627.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 81.13 627.50 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 114.27 627.50 Td (Note ) Tj ET Q q 0 0 0 rg BT 142.75 627.50 Td (2 ) Tj ET Q q 0 0 0 rg BT 152.56 627.50 Td (to ) Tj ET Q q 0 0 0 rg BT 165.70 627.50 Td (the ) Tj ET Q q 0 0 0 rg BT 185.51 627.50 Td (2Q ) Tj ET Q q 0 0 0 rg BT 204.65 627.50 Td (2013 ) Tj ET Q q 0 0 0 rg BT 234.48 627.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 265.61 627.50 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 298.75 627.50 Td (Notes ) Tj ET Q q 0 0 0 rg BT 333.23 627.50 Td (2 ) Tj ET Q q 0 0 0 rg BT 343.04 627.50 Td (and ) Tj ET Q q 0 0 0 rg BT 366.19 627.50 Td (27 ) Tj ET Q q 0 0 0 rg BT 382.67 627.50 Td (to ) Tj ET Q q 0 0 0 rg BT 395.81 627.50 Td (the ) Tj ET Q q 0 0 0 rg BT 415.63 627.50 Td (3Q ) Tj ET Q q 0 0 0 rg BT 434.77 627.50 Td (2013 ) Tj ET Q q 0 0 0 rg BT 464.59 627.50 Td (Form ) Tj ET Q q 0 0 0 rg BT 495.72 627.50 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 528.87 627.50 Td (and ) Tj ET Q q 0 0 0 rg BT 552.02 627.50 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 80.63 613.10 Td (Current ) Tj ET Q q 0 0 0 rg BT 124.32 613.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 164.02 613.10 Td (on ) Tj ET Q q 0 0 0 rg BT 181.04 613.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 212.71 613.10 Td (8-K ) Tj ET Q q 0 0 0 rg BT 235.06 613.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 260.75 613.10 Td (on ) Tj ET Q q 0 0 0 rg BT 277.78 613.10 Td (July ) Tj ET Q q 0 0 0 rg BT 302.79 613.10 Td (9, ) Tj ET Q q 0 0 0 rg BT 316.47 613.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 350.18 613.10 Td ( ) Tj ET Q q 0 0 0 rg BT 353.86 613.10 Td (For ) Tj ET Q q 0 0 0 rg BT 375.53 613.10 Td (further ) Tj ET Q q 0 0 0 rg BT 413.89 613.10 Td (details ) Tj ET Q q 0 0 0 rg BT 452.25 613.10 Td (with ) Tj ET Q q 0 0 0 rg BT 477.27 613.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 520.29 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.98 613.10 Td (sales ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (that ) Tj ET Q q 0 0 0 rg BT 72.76 598.70 Td (have ) Tj ET Q q 0 0 0 rg BT 101.52 598.70 Td (been ) Tj ET Q q 0 0 0 rg BT 130.96 598.70 Td (completed, ) Tj ET Q q 0 0 0 rg BT 192.40 598.70 Td (refer ) Tj ET Q q 0 0 0 rg BT 219.82 598.70 Td (to ) Tj ET Q q 0 0 0 rg BT 232.03 598.70 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 261.73 598.70 Td (Current ) Tj ET Q q 0 0 0 rg BT 304.49 598.70 Td (Reports ) Tj ET Q q 0 0 0 rg BT 349.25 598.70 Td (on ) Tj ET Q q 0 0 0 rg BT 365.34 598.70 Td (Form ) Tj ET Q q 0 0 0 rg BT 396.08 598.70 Td (8-K ) Tj ET Q q 0 0 0 rg BT 417.49 598.70 Td (filed ) Tj ET Q q 0 0 0 rg BT 442.25 598.70 Td (February ) Tj ET Q q 0 0 0 rg BT 493.01 598.70 Td (5, ) Tj ET Q q 0 0 0 rg BT 505.76 598.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 537.99 598.70 Td (April ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (2, ) Tj ET Q q 0 0 0 rg BT 63.34 584.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 96.71 584.30 Td (May ) Tj ET Q q 0 0 0 rg BT 122.71 584.30 Td (2, ) Tj ET Q q 0 0 0 rg BT 136.05 584.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 169.41 584.30 Td (June ) Tj ET Q q 0 0 0 rg BT 198.77 584.30 Td (3, ) Tj ET Q q 0 0 0 rg BT 212.11 584.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 245.47 584.30 Td (and ) Tj ET Q q 0 0 0 rg BT 268.83 584.30 Td (October ) Tj ET Q q 0 0 0 rg BT 314.85 584.30 Td (2, ) Tj ET Q q 0 0 0 rg BT 328.19 584.30 Td (2013.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 557.90 Td (Upon ) Tj ET Q q 0 0 0 rg BT 82.02 557.90 Td (completion ) Tj ET Q q 0 0 0 rg BT 143.39 557.90 Td (of ) Tj ET Q q 0 0 0 rg BT 156.73 557.90 Td (these ) Tj ET Q q 0 0 0 rg BT 189.42 557.90 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 260.12 557.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 291.08 557.90 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 341.77 557.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 401.15 557.90 Td (will ) Tj ET Q q 0 0 0 rg BT 421.14 557.90 Td (be ) Tj ET Q q 0 0 0 rg BT 437.83 557.90 Td (limited ) Tj ET Q q 0 0 0 rg BT 475.84 557.90 Td (to ) Tj ET Q q 0 0 0 rg BT 489.18 557.90 Td (the ) Tj ET Q q 0 0 0 rg BT 509.19 557.90 Td (following:) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 531.50 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 531.50 Td (Motors ) Tj ET Q q 0 0 0 rg BT 126.33 531.50 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 182.69 531.50 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 249.05 531.50 Td (\(") Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 257.30322265625 529.7890625 m 279.29931640625 529.7890625 l s q 0 0 0 rg BT 257.30 531.50 Td (MIC) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 279.30 531.50 Td ("\), ) Tj ET Q q 0 0 0 rg BT 294.55 531.50 Td (an ) Tj ET Q q 0 0 0 rg BT 311.55 531.50 Td (U.S.-based ) Tj ET Q q 0 0 0 rg BT 375.24 531.50 Td (insurance ) Tj ET Q q 0 0 0 rg BT 430.93 531.50 Td (unit, ) Tj ET Q q 0 0 0 rg BT 457.27 531.50 Td (operating ) Tj ET Q q 0 0 0 rg BT 510.96 531.50 Td (through ) Tj ET Q q 0 0 0 rg BT 555.32 531.50 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 517.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 143.02 517.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 185.35 517.10 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 193.341796875 515.3890625 m 288.3798828125 515.3890625 l s q 0 0 0 rg BT 193.34 517.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 250.36 517.10 Td (Branch) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 288.38 517.10 Td (\), ) Tj ET Q q 0 0 0 rg BT 305.35 517.10 Td (engages ) Tj ET Q q 0 0 0 rg BT 357.03 517.10 Td (in ) Tj ET Q q 0 0 0 rg BT 372.01 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.34 517.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 465.35 517.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.00 517.10 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 523.99 517.10 Td (service ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 502.70 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 140.12 502.70 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 195.58 502.70 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 235.03 502.70 Td (inventory ) Tj ET Q q 0 0 0 rg BT 285.82 502.70 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 343.28 502.70 Td (and ) Tj ET Q q 0 0 0 rg BT 365.40 502.70 Td (a ) Tj ET Q q 0 0 0 rg BT 374.17 502.70 Td (tire ) Tj ET Q q 0 0 0 rg BT 392.94 502.70 Td (road ) Tj ET Q q 0 0 0 rg BT 419.05 502.70 Td (hazard ) Tj ET Q q 0 0 0 rg BT 457.84 502.70 Td (program ) Tj ET Q q 0 0 0 rg BT 504.62 502.70 Td (throughout ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 488.30 Td (Canada; ) Tj ET Q q 0 0 0 rg BT 135.24 488.30 Td (and ) Tj ET Q q 0 0 0 rg BT 159.13 488.30 Td (a ) Tj ET Q q 0 0 0 rg BT 169.67 488.30 Td (third ) Tj ET Q q 0 0 0 rg BT 196.88 488.30 Td (party ) Tj ET Q q 0 0 0 rg BT 227.43 488.30 Td (administration ) Tj ET Q q 0 0 0 rg BT 306.00 488.30 Td (unit ) Tj ET Q q 0 0 0 rg BT 329.21 488.30 Td (responsible ) Tj ET Q q 0 0 0 rg BT 394.45 488.30 Td (for ) Tj ET Q q 0 0 0 rg BT 412.32 488.30 Td (marketing, ) Tj ET Q q 0 0 0 rg BT 472.21 488.30 Td (sales, ) Tj ET Q q 0 0 0 rg BT 507.43 488.30 Td (policy ) Tj ET Q q 0 0 0 rg BT 541.98 488.30 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 473.90 Td (claim ) Tj ET Q q 0 0 0 rg BT 120.86 473.90 Td (administration ) Tj ET Q q 0 0 0 rg BT 202.42 473.90 Td (of ) Tj ET Q q 0 0 0 rg BT 219.28 473.90 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 263.49 473.90 Td (service ) Tj ET Q q 0 0 0 rg BT 308.36 473.90 Td (and ) Tj ET Q q 0 0 0 rg BT 335.24 473.90 Td (tire ) Tj ET Q q 0 0 0 rg BT 358.77 473.90 Td (road ) Tj ET Q q 0 0 0 rg BT 389.64 473.90 Td (hazard ) Tj ET Q q 0 0 0 rg BT 433.19 473.90 Td (contracts ) Tj ET Q q 0 0 0 rg BT 488.73 473.90 Td (as ) Tj ET Q q 0 0 0 rg BT 508.27 473.90 Td (well ) Tj ET Q q 0 0 0 rg BT 535.79 473.90 Td (as ) Tj ET Q q 0 0 0 rg BT 555.33 473.90 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 459.50 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 157.66 459.50 Td (program ) Tj ET Q q 0 0 0 rg BT 205.29 459.50 Td (for ) Tj ET Q q 0 0 0 rg BT 222.25 459.50 Td (GM ) Tj ET Q q 0 0 0 rg BT 244.52 459.50 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 292.84 459.50 Td ( ) Tj ET Q q 0 0 0 rg BT 295.60 459.50 Td (The ) Tj ET Q q 0 0 0 rg BT 319.22 459.50 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 373.55 459.50 Td (Branch ) Tj ET Q q 0 0 0 rg BT 414.52 459.50 Td (is ) Tj ET Q q 0 0 0 rg BT 426.13 459.50 Td (not ) Tj ET Q q 0 0 0 rg BT 445.76 459.50 Td (a ) Tj ET Q q 0 0 0 rg BT 455.38 459.50 Td (separate ) Tj ET Q q 0 0 0 rg BT 505.03 459.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 533.33 459.50 Td (entity ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 445.10 Td (but ) Tj ET Q q 0 0 0 rg BT 106.02 445.10 Td (a ) Tj ET Q q 0 0 0 rg BT 116.02 445.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 156.05 445.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.39 445.10 Td (MIC. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 416.30 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 416.30 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 416.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 110.00 416.30 Td (International ) Tj ET Q q 0 0 0 rg BT 180.72 416.30 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 238.09 416.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 294.12 416.30 Td (Ltd., ) Tj ET Q q 0 0 0 rg BT 322.13 416.30 Td (a ) Tj ET Q q 0 0 0 rg BT 333.48 416.30 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 392.17 416.30 Td (of ) Tj ET Q q 0 0 0 rg BT 405.92 416.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 429.92 416.30 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 487.29 416.30 Td (Holdings, ) Tj ET Q q 0 0 0 rg BT 541.99 416.30 Td (is ) Tj ET Q q 0 0 0 rg BT 555.32 416.30 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 401.90 Td (Bermuda ) Tj ET Q q 0 0 0 rg BT 139.15 401.90 Td (re-insurance ) Tj ET Q q 0 0 0 rg BT 210.31 401.90 Td (company ) Tj ET Q q 0 0 0 rg BT 263.47 401.90 Td (with ) Tj ET Q q 0 0 0 rg BT 289.27 401.90 Td (a ) Tj ET Q q 0 0 0 rg BT 300.40 401.90 Td (50% ) Tj ET Q q 0 0 0 rg BT 328.88 401.90 Td (quota ) Tj ET Q q 0 0 0 rg BT 363.37 401.90 Td (share ) Tj ET Q q 0 0 0 rg BT 397.85 401.90 Td (reinsurance ) Tj ET Q q 0 0 0 rg BT 465.02 401.90 Td (agreement ) Tj ET Q q 0 0 0 rg BT 526.85 401.90 Td (for ) Tj ET Q q 0 0 0 rg BT 545.31 401.90 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 387.50 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 126.69 387.50 Td (service ) Tj ET Q q 0 0 0 rg BT 168.03 387.50 Td (contract ) Tj ET Q q 0 0 0 rg BT 214.05 387.50 Td (business ) Tj ET Q q 0 0 0 rg BT 264.75 387.50 Td (underwritten ) Tj ET Q q 0 0 0 rg BT 334.12 387.50 Td (by ) Tj ET Q q 0 0 0 rg BT 350.12 387.50 Td (the ) Tj ET Q q 0 0 0 rg BT 370.14 387.50 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 424.85 387.50 Td (Branch ) Tj ET Q q 0 0 0 rg BT 466.20 387.50 Td (of ) Tj ET Q q 0 0 0 rg BT 479.54 387.50 Td (MIC.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 358.70 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 358.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 358.70 Td (Limited ) Tj ET Q q 0 0 0 rg BT 127.69 358.70 Td (non-automotive ) Tj ET Q q 0 0 0 rg BT 213.42 358.70 Td (commercial ) Tj ET Q q 0 0 0 rg BT 277.77 358.70 Td (finance ) Tj ET Q q 0 0 0 rg BT 319.48 358.70 Td (activity ) Tj ET Q q 0 0 0 rg BT 359.16 358.70 Td (in ) Tj ET Q q 0 0 0 rg BT 371.51 358.70 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 419.89 358.70 Td (which ) Tj ET Q q 0 0 0 rg BT 453.58 358.70 Td (is ) Tj ET Q q 0 0 0 rg BT 465.26 358.70 Td (managed ) Tj ET Q q 0 0 0 rg BT 518.31 358.70 Td (from ) Tj ET Q q 0 0 0 rg BT 545.32 358.70 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 344.30 Td (United ) Tj ET Q q 0 0 0 rg BT 124.02 344.30 Td (States.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 315.50 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 315.50 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 315.50 Td (A) Tj ET Q q 0 0 0 rg BT 93.34 315.50 Td ( ) Tj ET Q q 0 0 0 rg BT 95.90 315.50 Td (small ) Tj ET Q q 0 0 0 rg BT 126.45 315.50 Td (number ) Tj ET Q q 0 0 0 rg BT 169.69 315.50 Td (of ) Tj ET Q q 0 0 0 rg BT 182.26 315.50 Td (companies ) Tj ET Q q 0 0 0 rg BT 242.84 315.50 Td (engaged ) Tj ET Q q 0 0 0 rg BT 292.11 315.50 Td (in ) Tj ET Q q 0 0 0 rg BT 304.01 315.50 Td (the ) Tj ET Q q 0 0 0 rg BT 323.24 315.50 Td (process ) Tj ET Q q 0 0 0 rg BT 367.81 315.50 Td (of ) Tj ET Q q 0 0 0 rg BT 380.38 315.50 Td (liquidating ) Tj ET Q q 0 0 0 rg BT 436.97 315.50 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 488.22 315.50 Td (of ) Tj ET Q q 0 0 0 rg BT 500.78 315.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 538.01 315.50 Td (from ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 301.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 116.96 301.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 144.30 301.10 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 194.99 301.10 Td (operations.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 272.30 Td (On ) Tj ET Q q 0 0 0 rg BT 69.45 272.30 Td (April ) Tj ET Q q 0 0 0 rg BT 97.75 272.30 Td (1, ) Tj ET Q q 0 0 0 rg BT 112.05 272.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 146.37 272.30 Td (after ) Tj ET Q q 0 0 0 rg BT 174.67 272.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 229.67 272.30 Td (pending ) Tj ET Q q 0 0 0 rg BT 276.67 272.30 Td (sales, ) Tj ET Q q 0 0 0 rg BT 311.46 272.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 335.09 272.30 Td (had ) Tj ET Q q 0 0 0 rg BT 359.40 272.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 438.40 272.30 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 466.04 272.30 Td (billion ) Tj ET Q q 0 0 0 rg BT 501.02 272.30 Td (in ) Tj ET Q q 0 0 0 rg BT 514.66 272.30 Td (non-U.S. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 257.90 Td (assets.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 221.30 Td (G.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.67 221.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 221.30 Td (Material Supervisory ) Tj ET Q q 0 0 0 rg BT 206.94 221.30 Td (Authorities) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 194.90 Td (As ) Tj ET Q q 0 0 0 rg BT 66.82 194.90 Td (a ) Tj ET Q q 0 0 0 rg BT 76.31 194.90 Td (participant ) Tj ET Q q 0 0 0 rg BT 134.50 194.90 Td (in ) Tj ET Q q 0 0 0 rg BT 146.65 194.90 Td (the ) Tj ET Q q 0 0 0 rg BT 166.15 194.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 211.01 194.90 Td (and ) Tj ET Q q 0 0 0 rg BT 233.85 194.90 Td (insurance ) Tj ET Q q 0 0 0 rg BT 288.70 194.90 Td (industries, ) Tj ET Q q 0 0 0 rg BT 345.65 194.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 367.80 194.90 Td (is ) Tj ET Q q 0 0 0 rg BT 379.28 194.90 Td (subject ) Tj ET Q q 0 0 0 rg BT 420.12 194.90 Td (to ) Tj ET Q q 0 0 0 rg BT 432.95 194.90 Td (extensive ) Tj ET Q q 0 0 0 rg BT 486.46 194.90 Td (regulation ) Tj ET Q q 0 0 0 rg BT 541.98 194.90 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 180.50 Td (supervision ) Tj ET Q q 0 0 0 rg BT 114.03 180.50 Td (under ) Tj ET Q q 0 0 0 rg BT 148.06 180.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 174.73 180.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 214.75 180.50 Td (and ) Tj ET Q q 0 0 0 rg BT 238.11 180.50 Td (state ) Tj ET Q q 0 0 0 rg BT 267.46 180.50 Td (laws.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 154.10 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 154.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 133.99 154.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.00 154.10 Td (Supervision) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 127.70 Td (As ) Tj ET Q q 0 0 0 rg BT 67.28 127.70 Td (a ) Tj ET Q q 0 0 0 rg BT 77.23 127.70 Td (bank ) Tj ET Q q 0 0 0 rg BT 106.52 127.70 Td (holding ) Tj ET Q q 0 0 0 rg BT 148.50 127.70 Td (company ) Tj ET Q q 0 0 0 rg BT 200.46 127.70 Td (under ) Tj ET Q q 0 0 0 rg BT 234.43 127.70 Td (the ) Tj ET Q q 0 0 0 rg BT 254.38 127.70 Td (BHC ) Tj ET Q q 0 0 0 rg BT 282.34 127.70 Td (Act, ) Tj ET Q q 0 0 0 rg BT 305.64 127.70 Td (AFI ) Tj ET Q q 0 0 0 rg BT 327.58 127.70 Td (is ) Tj ET Q q 0 0 0 rg BT 339.52 127.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 380.81 127.70 Td (to ) Tj ET Q q 0 0 0 rg BT 394.10 127.70 Td (supervision ) Tj ET Q q 0 0 0 rg BT 458.07 127.70 Td (and ) Tj ET Q q 0 0 0 rg BT 481.36 127.70 Td (examination ) Tj ET Q q 0 0 0 rg BT 549.34 127.70 Td (by ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 113.30 Td (the ) Tj ET Q q 0 0 0 rg BT 73.08 113.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 120.18 113.30 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 171.26 113.30 Td (and ) Tj ET Q q 0 0 0 rg BT 197.69 113.30 Td (the ) Tj ET Q q 0 0 0 rg BT 220.77 113.30 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 282.53 113.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 336.96 113.30 Td (Protection ) Tj ET Q q 0 0 0 rg BT 397.39 113.30 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 442.49 113.30 Td (\(for ) Tj ET Q q 0 0 0 rg BT 466.89 113.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 509.31 113.30 Td (consumer ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 98.90 Td (protection ) Tj ET Q q 0 0 0 rg BT 105.75 98.90 Td (purposes\). ) Tj ET Q q 0 0 0 rg BT 165.50 98.90 Td ( ) Tj ET Q q 0 0 0 rg BT 168.55 98.90 Td (Under ) Tj ET Q q 0 0 0 rg BT 204.29 98.90 Td (the ) Tj ET Q q 0 0 0 rg BT 224.02 98.90 Td (system ) Tj ET Q q 0 0 0 rg BT 265.08 98.90 Td (of ) Tj ET Q q 0 0 0 rg BT 278.14 98.90 Td (functional ) Tj ET Q q 0 0 0 rg BT 336.55 98.90 Td (regulation ) Tj ET Q q 0 0 0 rg BT 396.31 98.90 Td (established ) Tj ET Q q 0 0 0 rg BT 460.07 98.90 Td (under ) Tj ET Q q 0 0 0 rg BT 493.81 98.90 Td (the ) Tj ET Q q 0 0 0 rg BT 513.55 98.90 Td (BHC ) Tj ET Q q 0 0 0 rg BT 541.33 98.90 Td (Act, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 84.50 Td (the ) Tj ET Q q 0 0 0 rg BT 71.04 84.50 Td (Federal ) Tj ET Q q 0 0 0 rg BT 116.08 84.50 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 165.12 84.50 Td (serves ) Tj ET Q q 0 0 0 rg BT 204.81 84.50 Td (as ) Tj ET Q q 0 0 0 rg BT 221.84 84.50 Td (the ) Tj ET Q q 0 0 0 rg BT 242.88 84.50 Td (primary ) Tj ET Q q 0 0 0 rg BT 287.24 84.50 Td (regulator ) Tj ET Q q 0 0 0 rg BT 338.95 84.50 Td (of ) Tj ET Q q 0 0 0 rg BT 353.31 84.50 Td (the ) Tj ET Q q 0 0 0 rg BT 374.35 84.50 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 445.22 84.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 468.91 84.50 Td (organization, ) Tj ET Q q 0 0 0 rg BT 541.98 84.50 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (coordinates ) Tj ET Q q 0 0 0 rg BT 116.48 70.10 Td (with ) Tj ET Q q 0 0 0 rg BT 142.26 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.38 70.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 207.82 70.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 265.62 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.19 70.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 311.25 70.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 339.03 70.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 393.51 70.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 461.31 70.10 Td (with ) Tj ET Q q 0 0 0 rg BT 487.09 70.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 530.88 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 545.33 70.10 Td (the ) Tj ET Q endstream endobj 47 0 obj <> endobj 48 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (23) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 100.23 740.30 Td (of ) Tj ET Q q 0 0 0 rg BT 114.46 740.30 Td (those ) Tj ET Q q 0 0 0 rg BT 148.03 740.30 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 218.95 740.30 Td ( ) Tj ET Q q 0 0 0 rg BT 223.16 740.30 Td (Such ) Tj ET Q q 0 0 0 rg BT 254.73 740.30 Td (functionally ) Tj ET Q q 0 0 0 rg BT 322.98 740.30 Td (regulated ) Tj ET Q q 0 0 0 rg BT 381.23 740.30 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 435.49 740.30 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 503.07 740.30 Td (include ) Tj ET Q q 0 0 0 rg BT 545.32 740.30 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (insurance ) Tj ET Q q 0 0 0 rg BT 105.37 725.90 Td (company ) Tj ET Q q 0 0 0 rg BT 157.39 725.90 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 224.09 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 236.77 725.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 259.44 725.90 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 315.47 725.90 Td (Holdings ) Tj ET Q q 0 0 0 rg BT 365.50 725.90 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 373.490234375 724.1890625 m 494.890625 724.1890625 l s q 0 0 0 rg BT 373.49 725.90 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 429.52 725.90 Td (Subsidiaries) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 494.89 725.90 Td (\).) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 699.50 Td (2.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 699.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 699.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 111.34 699.50 Td (Bank) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.29 673.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 104.60 673.10 Td (is ) Tj ET Q q 0 0 0 rg BT 117.22 673.10 Td (a ) Tj ET Q q 0 0 0 rg BT 127.85 673.10 Td (Utah ) Tj ET Q q 0 0 0 rg BT 157.16 673.10 Td (state-chartered ) Tj ET Q q 0 0 0 rg BT 241.82 673.10 Td (nonmember ) Tj ET Q q 0 0 0 rg BT 309.81 673.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 343.12 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.09 673.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.72 673.10 Td (member ) Tj ET Q q 0 0 0 rg BT 425.69 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.65 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.29 673.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 495.58 673.10 Td ( ) Tj ET Q q 0 0 0 rg BT 498.75 673.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 522.04 673.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 553.35 673.10 Td (is ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 658.70 Td (supervised ) Tj ET Q q 0 0 0 rg BT 110.29 658.70 Td (and ) Tj ET Q q 0 0 0 rg BT 132.57 658.70 Td (examined ) Tj ET Q q 0 0 0 rg BT 186.85 658.70 Td (by ) Tj ET Q q 0 0 0 rg BT 201.78 658.70 Td (the ) Tj ET Q q 0 0 0 rg BT 220.72 658.70 Td (FDIC's ) Tj ET Q q 0 0 0 rg BT 259.26 658.70 Td (New ) Tj ET Q q 0 0 0 rg BT 285.38 658.70 Td (Y) Tj ET Q q 0 0 0 rg BT 292.28 658.70 Td (ork ) Tj ET Q q 0 0 0 rg BT 311.21 658.70 Td (regional ) Tj ET Q q 0 0 0 rg BT 356.16 658.70 Td (of) Tj ET Q q 0 0 0 rg BT 365.95 658.70 Td (fice, ) Tj ET Q q 0 0 0 rg BT 390.22 658.70 Td (the ) Tj ET Q q 0 0 0 rg BT 409.16 658.70 Td (Utah ) Tj ET Q q 0 0 0 rg BT 436.76 658.70 Td (Department ) Tj ET Q q 0 0 0 rg BT 501.71 658.70 Td (of ) Tj ET Q q 0 0 0 rg BT 513.98 658.70 Td (Financial ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 644.30 Td (Institutions ) Tj ET Q q 0 0 0 rg BT 114.14 644.30 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 122.13671875 642.5890625 m 150.1328125 642.5890625 l s q 0 0 0 rg BT 122.14 644.30 Td (UDFI) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 150.13 644.30 Td (\), ) Tj ET Q q 0 0 0 rg BT 168.24 644.30 Td (and ) Tj ET Q q 0 0 0 rg BT 195.04 644.30 Td (the ) Tj ET Q q 0 0 0 rg BT 218.51 644.30 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 280.64 644.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 335.45 644.30 Td (Protection ) Tj ET Q q 0 0 0 rg BT 396.26 644.30 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 441.73 644.30 Td (\(for ) Tj ET Q q 0 0 0 rg BT 466.51 644.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 509.31 644.30 Td (consumer ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 629.90 Td (protection ) Tj ET Q q 0 0 0 rg BT 106.03 629.90 Td (purposes\).) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 603.50 Td (3.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 603.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 603.50 Td (State ) Tj ET Q q 0 0 0 rg BT 118.68 603.50 Td (Supervision) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 72.56 577.10 Td (and ) Tj ET Q q 0 0 0 rg BT 95.70 577.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 118.93 577.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 150.18 577.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 176.76 577.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 208.67 577.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 251.26 577.10 Td (company ) Tj ET Q q 0 0 0 rg BT 303.84 577.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 351.09 577.10 Td (in ) Tj ET Q q 0 0 0 rg BT 364.33 577.10 Td (a ) Tj ET Q q 0 0 0 rg BT 374.89 577.10 Td (number ) Tj ET Q q 0 0 0 rg BT 419.47 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.38 577.10 Td (states. ) Tj ET Q q 0 0 0 rg BT 472.62 577.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.74 577.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 536.88 577.10 Td (, ) Tj ET Q q 0 0 0 rg BT 543.33 577.10 Td (AFI ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 562.70 Td (and ) Tj ET Q q 0 0 0 rg BT 72.53 562.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 95.00 562.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 125.49 562.70 Td (may ) Tj ET Q q 0 0 0 rg BT 151.29 562.70 Td (be ) Tj ET Q q 0 0 0 rg BT 167.77 562.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 208.93 562.70 Td (to ) Tj ET Q q 0 0 0 rg BT 222.07 562.70 Td (examination ) Tj ET Q q 0 0 0 rg BT 289.91 562.70 Td (by ) Tj ET Q q 0 0 0 rg BT 305.72 562.70 Td (the ) Tj ET Q q 0 0 0 rg BT 325.53 562.70 Td (state ) Tj ET Q q 0 0 0 rg BT 354.68 562.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 399.85 562.70 Td (department ) Tj ET Q q 0 0 0 rg BT 463.69 562.70 Td (or ) Tj ET Q q 0 0 0 rg BT 477.49 562.70 Td (other ) Tj ET Q q 0 0 0 rg BT 507.98 562.70 Td (applicable ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 548.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 106.06 548.30 Td (authority ) Tj ET Q q 0 0 0 rg BT 154.78 548.30 Td (in ) Tj ET Q q 0 0 0 rg BT 166.81 548.30 Td (connection ) Tj ET Q q 0 0 0 rg BT 227.55 548.30 Td (with ) Tj ET Q q 0 0 0 rg BT 251.58 548.30 Td (the ) Tj ET Q q 0 0 0 rg BT 270.96 548.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 319.67 548.30 Td (authorized ) Tj ET Q q 0 0 0 rg BT 378.40 548.30 Td (by ) Tj ET Q q 0 0 0 rg BT 393.77 548.30 Td (and ) Tj ET Q q 0 0 0 rg BT 416.48 548.30 Td (conducted ) Tj ET Q q 0 0 0 rg BT 474.55 548.30 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 523.95 548.30 Td (to ) Tj ET Q q 0 0 0 rg BT 536.65 548.30 Td (such ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 533.90 Td (licenses.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 507.50 Td (4.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 507.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 507.50 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 146.02 507.50 Td (Subsidiaries) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (The ) Tj ET Q q 0 0 0 rg BT 74.71 481.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 131.45 481.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 200.86 481.10 Td (are ) Tj ET Q q 0 0 0 rg BT 222.24 481.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 264.29 481.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.34 481.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 318.39 481.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 371.10 481.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 429.18 481.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 467.91 481.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 541.98 481.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 466.70 Td (net ) Tj ET Q q 0 0 0 rg BT 69.91 466.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 101.83 466.70 Td (and ) Tj ET Q q 0 0 0 rg BT 125.08 466.70 Td (dividend ) Tj ET Q q 0 0 0 rg BT 173.02 466.70 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 234.26 466.70 Td (under ) Tj ET Q q 0 0 0 rg BT 268.19 466.70 Td (applicable ) Tj ET Q q 0 0 0 rg BT 325.46 466.70 Td (state ) Tj ET Q q 0 0 0 rg BT 354.71 466.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 409.98 466.70 Td (law) Tj ET Q q 0 0 0 rg BT 427.32 466.70 Td (, ) Tj ET Q q 0 0 0 rg BT 433.89 466.70 Td ( ) Tj ET Q q 0 0 0 rg BT 437.12 466.70 Td (as ) Tj ET Q q 0 0 0 rg BT 453.03 466.70 Td (well ) Tj ET Q q 0 0 0 rg BT 476.93 466.70 Td (as ) Tj ET Q q 0 0 0 rg BT 492.84 466.70 Td (the ) Tj ET Q q 0 0 0 rg BT 512.75 466.70 Td (rules ) Tj ET Q q 0 0 0 rg BT 541.99 466.70 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 452.30 Td (regulations ) Tj ET Q q 0 0 0 rg BT 113.95 452.30 Td (promulgated ) Tj ET Q q 0 0 0 rg BT 185.91 452.30 Td (by ) Tj ET Q q 0 0 0 rg BT 203.84 452.30 Td (various ) Tj ET Q q 0 0 0 rg BT 247.77 452.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 276.36 452.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 334.97 452.30 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 391.59 452.30 Td ( ) Tj ET Q q 0 0 0 rg BT 396.84 452.30 Td (Under ) Tj ET Q q 0 0 0 rg BT 434.77 452.30 Td (various ) Tj ET Q q 0 0 0 rg BT 478.70 452.30 Td (state ) Tj ET Q q 0 0 0 rg BT 509.97 452.30 Td (insurance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 437.90 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 117.65 437.90 Td (dividend ) Tj ET Q q 0 0 0 rg BT 167.97 437.90 Td (distributions ) Tj ET Q q 0 0 0 rg BT 237.61 437.90 Td (may ) Tj ET Q q 0 0 0 rg BT 265.90 437.90 Td (be ) Tj ET Q q 0 0 0 rg BT 284.86 437.90 Td (made ) Tj ET Q q 0 0 0 rg BT 320.49 437.90 Td (only ) Tj ET Q q 0 0 0 rg BT 348.12 437.90 Td (from ) Tj ET Q q 0 0 0 rg BT 377.73 437.90 Td (statutory ) Tj ET Q q 0 0 0 rg BT 429.36 437.90 Td (unassigned ) Tj ET Q q 0 0 0 rg BT 496.36 437.90 Td (surplus ) Tj ET Q q 0 0 0 rg BT 540.66 437.90 Td (with ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 423.50 Td (approvals ) Tj ET Q q 0 0 0 rg BT 107.29 423.50 Td (required ) Tj ET Q q 0 0 0 rg BT 156.57 423.50 Td (from ) Tj ET Q q 0 0 0 rg BT 185.83 423.50 Td (the ) Tj ET Q q 0 0 0 rg BT 207.77 423.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 266.39 423.50 Td (authorities ) Tj ET Q q 0 0 0 rg BT 327.01 423.50 Td (for ) Tj ET Q q 0 0 0 rg BT 346.28 423.50 Td (dividends ) Tj ET Q q 0 0 0 rg BT 402.23 423.50 Td (in ) Tj ET Q q 0 0 0 rg BT 416.83 423.50 Td (excess ) Tj ET Q q 0 0 0 rg BT 459.44 423.50 Td (of ) Tj ET Q q 0 0 0 rg BT 474.70 423.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 515.98 423.50 Td (statutory ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (limitations. ) Tj ET Q q 0 0 0 rg BT 108.52 409.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.23 409.10 Td (The ) Tj ET Q q 0 0 0 rg BT 132.75 409.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 187.28 409.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 254.48 409.10 Td (are ) Tj ET Q q 0 0 0 rg BT 273.66 409.10 Td (also ) Tj ET Q q 0 0 0 rg BT 297.51 409.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 337.36 409.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.21 409.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 405.08 409.10 Td (state ) Tj ET Q q 0 0 0 rg BT 432.93 409.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 458.77 409.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 509.30 409.10 Td (governing ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 394.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 107.25 394.70 Td (companies, ) Tj ET Q q 0 0 0 rg BT 173.83 394.70 Td (as ) Tj ET Q q 0 0 0 rg BT 191.73 394.70 Td (well ) Tj ET Q q 0 0 0 rg BT 217.62 394.70 Td (as ) Tj ET Q q 0 0 0 rg BT 235.51 394.70 Td (laws ) Tj ET Q q 0 0 0 rg BT 264.74 394.70 Td (and ) Tj ET Q q 0 0 0 rg BT 289.98 394.70 Td (regulations ) Tj ET Q q 0 0 0 rg BT 353.90 394.70 Td (for ) Tj ET Q q 0 0 0 rg BT 373.13 394.70 Td (products ) Tj ET Q q 0 0 0 rg BT 424.37 394.70 Td (that ) Tj ET Q q 0 0 0 rg BT 449.60 394.70 Td (are ) Tj ET Q q 0 0 0 rg BT 472.17 394.70 Td (not ) Tj ET Q q 0 0 0 rg BT 494.07 394.70 Td (regulated ) Tj ET Q q 0 0 0 rg BT 549.33 394.70 Td (as ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 380.30 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 108.67 380.30 Td (such ) Tj ET Q q 0 0 0 rg BT 137.32 380.30 Td (as ) Tj ET Q q 0 0 0 rg BT 153.30 380.30 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 193.95 380.30 Td (service ) Tj ET Q q 0 0 0 rg BT 235.27 380.30 Td (contracts ) Tj ET Q q 0 0 0 rg BT 287.25 380.30 Td (and ) Tj ET Q q 0 0 0 rg BT 310.58 380.30 Td (GAP) Tj ET Q q 0 0 0 rg BT 335.70 380.30 Td ( ) Tj ET Q q 0 0 0 rg BT 339.01 380.30 Td (products. ) Tj ET Q q 0 0 0 rg BT 391.67 380.30 Td ( ) Tj ET Q q 0 0 0 rg BT 394.76 380.30 Td (The ) Tj ET Q q 0 0 0 rg BT 418.74 380.30 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 473.42 380.30 Td (Branch ) Tj ET Q q 0 0 0 rg BT 514.74 380.30 Td (of ) Tj ET Q q 0 0 0 rg BT 528.05 380.30 Td (MIC ) Tj ET Q q 0 0 0 rg BT 553.35 380.30 Td (is ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 365.90 Td (also ) Tj ET Q q 0 0 0 rg BT 74.20 365.90 Td (regulated ) Tj ET Q q 0 0 0 rg BT 126.43 365.90 Td (by ) Tj ET Q q 0 0 0 rg BT 141.29 365.90 Td (the ) Tj ET Q q 0 0 0 rg BT 160.15 365.90 Td (Of) Tj ET Q q 0 0 0 rg BT 172.61 365.90 Td (fice ) Tj ET Q q 0 0 0 rg BT 193.47 365.90 Td (of ) Tj ET Q q 0 0 0 rg BT 205.66 365.90 Td (the ) Tj ET Q q 0 0 0 rg BT 224.53 365.90 Td (Superintendent ) Tj ET Q q 0 0 0 rg BT 308.11 365.90 Td (of ) Tj ET Q q 0 0 0 rg BT 320.31 365.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 370.52 365.90 Td (Institutions ) Tj ET Q q 0 0 0 rg BT 430.07 365.90 Td (under ) Tj ET Q q 0 0 0 rg BT 462.95 365.90 Td (a ) Tj ET Q q 0 0 0 rg BT 471.81 365.90 Td (similar ) Tj ET Q q 0 0 0 rg BT 508.66 365.90 Td (regulatory ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 351.50 Td (regime.) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 244.80 327.50 Td (______________________) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 106.20 301.10 Td (information ) Tj ET Q q 0 0 0 rg BT 169.06 301.10 Td (on ) Tj ET Q q 0 0 0 rg BT 185.43 301.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 216.55 301.10 Td (supervision ) Tj ET Q q 0 0 0 rg BT 280.75 301.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.26 301.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 360.46 301.10 Td (can ) Tj ET Q q 0 0 0 rg BT 383.31 301.10 Td (be ) Tj ET Q q 0 0 0 rg BT 400.15 301.10 Td (found ) Tj ET Q q 0 0 0 rg BT 433.67 301.10 Td (in ) Tj ET Q q 0 0 0 rg BT 446.04 301.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 477.16 301.10 Td ('34 ) Tj ET Q q 0 0 0 rg BT 495.83 301.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 516.66 301.10 Td (Reports, ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 286.70 Td (including ) Tj ET Q q 0 0 0 rg BT 99.96 286.70 Td (the ) Tj ET Q q 0 0 0 rg BT 119.24 286.70 Td (sections ) Tj ET Q q 0 0 0 rg BT 165.85 286.70 Td (on ) Tj ET Q q 0 0 0 rg BT 181.80 286.70 Td (Certain ) Tj ET Q q 0 0 0 rg BT 227.07 286.70 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 287.70 286.70 Td (Matters ) Tj ET Q q 0 0 0 rg BT 334.30 286.70 Td (and ) Tj ET Q q 0 0 0 rg BT 356.91 286.70 Td (Risks ) Tj ET Q q 0 0 0 rg BT 392.83 286.70 Td (Related ) Tj ET Q q 0 0 0 rg BT 436.79 286.70 Td (to ) Tj ET Q q 0 0 0 rg BT 449.39 286.70 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 513.36 286.70 Td (on ) Tj ET Q q 0 0 0 rg BT 529.30 286.70 Td (pages ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 50.00 272.30 Td (4-10 ) Tj ET Q q 0 0 0 rg BT 77.35 272.30 Td (and ) Tj ET Q q 0 0 0 rg BT 100.71 272.30 Td (1) Tj ET Q q 0 0 0 rg BT 106.49 272.30 Td (1-15, ) Tj ET Q q 0 0 0 rg BT 137.18 272.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 199.64 272.30 Td (, ) Tj ET Q q 0 0 0 rg BT 206.31 272.30 Td (of ) Tj ET Q q 0 0 0 rg BT 219.65 272.30 Td (the ) Tj ET Q q 0 0 0 rg BT 239.67 272.30 Td (2012 ) Tj ET Q q 0 0 0 rg BT 269.70 272.30 Td (Form ) Tj ET Q q 0 0 0 rg BT 301.03 272.30 Td (10-K.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 220.30 Td (H.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 220.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 220.30 Td (Principal Officers) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 193.90 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 193.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 193.90 Td (Principal ) Tj ET Q q 0 0 0 rg BT 140.02 193.90 Td (Officers ) Tj ET Q q 0 0 0 rg BT 188.70 193.90 Td (of ) Tj ET Q q 0 0 0 rg BT 202.92 193.90 Td (AFI) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 167.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 165.5986328125 m 378.306640625 165.5986328125 l s q 0 0 0 rg BT 122.00 167.50 Td (Michael ) Tj ET Q q 0 0 0 rg BT 168.90 167.50 Td (A. ) Tj ET Q q 0 0 0 rg BT 184.24 167.50 Td (Carpenter) Tj ET Q q 0 0 0 rg BT 240.26 167.50 Td (, ) Tj ET Q q 0 0 0 rg BT 246.93 167.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 280.26 167.50 Td (Executive ) Tj ET Q q 0 0 0 rg BT 339.63 167.50 Td (Officer) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 153.10 Td (Michael ) Tj ET Q q 0 0 0 rg BT 166.06 153.10 Td (Carpenter ) Tj ET Q q 0 0 0 rg BT 222.14 153.10 Td (was ) Tj ET Q q 0 0 0 rg BT 246.19 153.10 Td (named ) Tj ET Q q 0 0 0 rg BT 285.60 153.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 316.33 153.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 371.06 153.10 Td (Of) Tj ET Q q 0 0 0 rg BT 383.52 153.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 408.90 153.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.08 153.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 442.46 153.10 Td (in ) Tj ET Q q 0 0 0 rg BT 454.52 153.10 Td (November ) Tj ET Q q 0 0 0 rg BT 512.58 153.10 Td (2009 ) Tj ET Q q 0 0 0 rg BT 541.99 153.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 138.70 Td (has ) Tj ET Q q 0 0 0 rg BT 144.67 138.70 Td (served ) Tj ET Q q 0 0 0 rg BT 184.00 138.70 Td (on ) Tj ET Q q 0 0 0 rg BT 200.67 138.70 Td (its ) Tj ET Q q 0 0 0 rg BT 215.99 138.70 Td (Board ) Tj ET Q q 0 0 0 rg BT 251.33 138.70 Td (of ) Tj ET Q q 0 0 0 rg BT 264.66 138.70 Td (Directors ) Tj ET Q q 0 0 0 rg BT 315.98 138.70 Td (since ) Tj ET Q q 0 0 0 rg BT 347.32 138.70 Td (May ) Tj ET Q q 0 0 0 rg BT 373.31 138.70 Td (2009. ) Tj ET Q q 0 0 0 rg BT 406.65 138.70 Td ( ) Tj ET Q q 0 0 0 rg BT 409.97 138.70 Td (He ) Tj ET Q q 0 0 0 rg BT 428.63 138.70 Td (oversees ) Tj ET Q q 0 0 0 rg BT 480.64 138.70 Td (all ) Tj ET Q q 0 0 0 rg BT 495.97 138.70 Td (strategy ) Tj ET Q q 0 0 0 rg BT 541.97 138.70 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 124.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 183.48 124.30 Td (to ) Tj ET Q q 0 0 0 rg BT 198.93 124.30 Td (focus ) Tj ET Q q 0 0 0 rg BT 233.05 124.30 Td (on ) Tj ET Q q 0 0 0 rg BT 251.84 124.30 Td (strengthening ) Tj ET Q q 0 0 0 rg BT 330.00 124.30 Td (the ) Tj ET Q q 0 0 0 rg BT 352.12 124.30 Td (core ) Tj ET Q q 0 0 0 rg BT 380.91 124.30 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 449.71 124.30 Td (while ) Tj ET Q q 0 0 0 rg BT 482.50 124.30 Td (positioning ) Tj ET Q q 0 0 0 rg BT 545.32 124.30 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 109.90 Td (company ) Tj ET Q q 0 0 0 rg BT 174.03 109.90 Td (for ) Tj ET Q q 0 0 0 rg BT 191.36 109.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 245.38 109.90 Td (growth.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 83.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 81.5986328125 m 265.923828125 81.5986328125 l s q 0 0 0 rg BT 122.00 83.50 Td (W) Tj ET Q q 0 0 0 rg BT 133.22 83.50 Td (illiam ) Tj ET Q q 0 0 0 rg BT 167.23 83.50 Td (F) Tj ET Q q 0 0 0 rg BT 173.23 83.50 Td (. ) Tj ET Q q 0 0 0 rg BT 179.90 83.50 Td (Muir) Tj ET Q q 0 0 0 rg BT 204.57 83.50 Td (, ) Tj ET Q q 0 0 0 rg BT 211.24 83.50 Td (President) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 69.10 Td (William ) Tj ET Q q 0 0 0 rg BT 163.88 69.10 Td (Muir ) Tj ET Q q 0 0 0 rg BT 190.43 69.10 Td (is ) Tj ET Q q 0 0 0 rg BT 202.31 69.10 Td (President ) Tj ET Q q 0 0 0 rg BT 256.22 69.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.81 69.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 290.69 69.10 Td (and ) Tj ET Q q 0 0 0 rg BT 313.93 69.10 Td (head ) Tj ET Q q 0 0 0 rg BT 343.84 69.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.07 69.10 Td (its ) Tj ET Q q 0 0 0 rg BT 372.28 69.10 Td (Dealer ) Tj ET Q q 0 0 0 rg BT 410.85 69.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 462.09 69.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 511.32 69.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 565.35 69.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 54.70 Td (He ) Tj ET Q q 0 0 0 rg BT 140.17 54.70 Td (oversees ) Tj ET Q q 0 0 0 rg BT 191.69 54.70 Td (the ) Tj ET Q q 0 0 0 rg BT 211.21 54.70 Td (company's ) Tj ET Q q 0 0 0 rg BT 271.02 54.70 Td (automotive ) Tj ET Q q 0 0 0 rg BT 332.55 54.70 Td (finance, ) Tj ET Q q 0 0 0 rg BT 377.41 54.70 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 435.61 54.70 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 475.79 54.70 Td (remarketing ) Tj ET Q q 0 0 0 rg BT 541.98 54.70 Td (and ) Tj ET Q endstream endobj 49 0 obj <> endobj 50 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (24) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 740.30 Td (servicing ) Tj ET Q q 0 0 0 rg BT 171.79 740.30 Td (operations. ) Tj ET Q q 0 0 0 rg BT 233.60 740.30 Td ( ) Tj ET Q q 0 0 0 rg BT 236.03 740.30 Td (Muir ) Tj ET Q q 0 0 0 rg BT 261.80 740.30 Td (is ) Tj ET Q q 0 0 0 rg BT 272.91 740.30 Td (also ) Tj ET Q q 0 0 0 rg BT 297.36 740.30 Td (a ) Tj ET Q q 0 0 0 rg BT 306.47 740.30 Td (member ) Tj ET Q q 0 0 0 rg BT 352.91 740.30 Td (of ) Tj ET Q q 0 0 0 rg BT 365.36 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 383.99 740.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 405.77 740.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 435.56 740.30 Td (Board ) Tj ET Q q 0 0 0 rg BT 470.01 740.30 Td (of ) Tj ET Q q 0 0 0 rg BT 482.46 740.30 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 536.24 740.30 Td ( ) Tj ET Q q 0 0 0 rg BT 538.67 740.30 Td (Muir ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 725.90 Td (joined ) Tj ET Q q 0 0 0 rg BT 157.73 725.90 Td (GMAC ) Tj ET Q q 0 0 0 rg BT 197.43 725.90 Td (\(now ) Tj ET Q q 0 0 0 rg BT 227.15 725.90 Td (known ) Tj ET Q q 0 0 0 rg BT 265.54 725.90 Td (as ) Tj ET Q q 0 0 0 rg BT 281.18 725.90 Td (AFI\) ) Tj ET Q q 0 0 0 rg BT 307.55 725.90 Td (in ) Tj ET Q q 0 0 0 rg BT 320.59 725.90 Td (1992 ) Tj ET Q q 0 0 0 rg BT 350.99 725.90 Td (as ) Tj ET Q q 0 0 0 rg BT 367.37 725.90 Td (V) Tj ET Q q 0 0 0 rg BT 375.16 725.90 Td (ice ) Tj ET Q q 0 0 0 rg BT 394.20 725.90 Td (President ) Tj ET Q q 0 0 0 rg BT 448.60 725.90 Td (of ) Tj ET Q q 0 0 0 rg BT 462.31 725.90 Td (National ) Tj ET Q q 0 0 0 rg BT 509.31 725.90 Td (Accounts. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 711.50 Td (In ) Tj ET Q q 0 0 0 rg BT 137.84 711.50 Td (1995, ) Tj ET Q q 0 0 0 rg BT 173.70 711.50 Td (he ) Tj ET Q q 0 0 0 rg BT 192.88 711.50 Td (became ) Tj ET Q q 0 0 0 rg BT 241.41 711.50 Td (V) Tj ET Q q 0 0 0 rg BT 249.20 711.50 Td (ice ) Tj ET Q q 0 0 0 rg BT 270.37 711.50 Td (President ) Tj ET Q q 0 0 0 rg BT 326.90 711.50 Td (of ) Tj ET Q q 0 0 0 rg BT 342.74 711.50 Td (Eastern ) Tj ET Q q 0 0 0 rg BT 389.93 711.50 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 419.10 711.50 Td (Operations. ) Tj ET Q q 0 0 0 rg BT 486.96 711.50 Td (In ) Tj ET Q q 0 0 0 rg BT 502.80 711.50 Td (1996, ) Tj ET Q q 0 0 0 rg BT 538.67 711.50 Td (Muir ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 697.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 185.58 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.14 697.10 Td (General ) Tj ET Q q 0 0 0 rg BT 249.38 697.10 Td (Motors' ) Tj ET Q q 0 0 0 rg BT 293.90 697.10 Td (Delphi ) Tj ET Q q 0 0 0 rg BT 332.37 697.10 Td (Automotive ) Tj ET Q q 0 0 0 rg BT 397.95 697.10 Td (Systems ) Tj ET Q q 0 0 0 rg BT 449.52 697.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 474.42 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 492.64 697.10 Td (Executive-in-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 682.70 Td (Charge ) Tj ET Q q 0 0 0 rg BT 164.73 682.70 Td (of ) Tj ET Q q 0 0 0 rg BT 178.11 682.70 Td (Operations ) Tj ET Q q 0 0 0 rg BT 240.18 682.70 Td (and ) Tj ET Q q 0 0 0 rg BT 263.58 682.70 Td (was ) Tj ET Q q 0 0 0 rg BT 288.29 682.70 Td (later ) Tj ET Q q 0 0 0 rg BT 315.01 682.70 Td (appointed ) Tj ET Q q 0 0 0 rg BT 371.10 682.70 Td (Executive ) Tj ET Q q 0 0 0 rg BT 426.50 682.70 Td (Director ) Tj ET Q q 0 0 0 rg BT 471.88 682.70 Td (of ) Tj ET Q q 0 0 0 rg BT 485.26 682.70 Td (Planning. ) Tj ET Q q 0 0 0 rg BT 538.67 682.70 Td (Muir ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 668.30 Td (returned ) Tj ET Q q 0 0 0 rg BT 169.25 668.30 Td (to ) Tj ET Q q 0 0 0 rg BT 181.81 668.30 Td (GMAC ) Tj ET Q q 0 0 0 rg BT 220.37 668.30 Td (in ) Tj ET Q q 0 0 0 rg BT 232.27 668.30 Td (February ) Tj ET Q q 0 0 0 rg BT 282.84 668.30 Td (1998 ) Tj ET Q q 0 0 0 rg BT 312.09 668.30 Td (as ) Tj ET Q q 0 0 0 rg BT 327.32 668.30 Td (Executive ) Tj ET Q q 0 0 0 rg BT 381.90 668.30 Td (V) Tj ET Q q 0 0 0 rg BT 389.69 668.30 Td (ice ) Tj ET Q q 0 0 0 rg BT 407.58 668.30 Td (President ) Tj ET Q q 0 0 0 rg BT 460.83 668.30 Td (and ) Tj ET Q q 0 0 0 rg BT 483.41 668.30 Td (Chief ) Tj ET Q q 0 0 0 rg BT 513.98 668.30 Td (Financial ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 653.90 Td (Of) Tj ET Q q 0 0 0 rg BT 134.45 653.90 Td (ficer) Tj ET Q q 0 0 0 rg BT 156.46 653.90 Td (. ) Tj ET Q q 0 0 0 rg BT 162.75 653.90 Td (He ) Tj ET Q q 0 0 0 rg BT 181.04 653.90 Td (was ) Tj ET Q q 0 0 0 rg BT 205.33 653.90 Td (given ) Tj ET Q q 0 0 0 rg BT 236.97 653.90 Td (the ) Tj ET Q q 0 0 0 rg BT 256.61 653.90 Td (additional ) Tj ET Q q 0 0 0 rg BT 310.94 653.90 Td (title ) Tj ET Q q 0 0 0 rg BT 332.56 653.90 Td (of ) Tj ET Q q 0 0 0 rg BT 345.52 653.90 Td (Chairman ) Tj ET Q q 0 0 0 rg BT 400.50 653.90 Td (of ) Tj ET Q q 0 0 0 rg BT 413.46 653.90 Td (GMAC's ) Tj ET Q q 0 0 0 rg BT 460.70 653.90 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 516.35 653.90 Td (Group ) Tj ET Q q 0 0 0 rg BT 552.66 653.90 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 639.50 Td (June ) Tj ET Q q 0 0 0 rg BT 151.36 639.50 Td (1999 ) Tj ET Q q 0 0 0 rg BT 181.38 639.50 Td (and ) Tj ET Q q 0 0 0 rg BT 204.74 639.50 Td (named ) Tj ET Q q 0 0 0 rg BT 244.77 639.50 Td (President ) Tj ET Q q 0 0 0 rg BT 298.79 639.50 Td (of ) Tj ET Q q 0 0 0 rg BT 312.14 639.50 Td (GMAC ) Tj ET Q q 0 0 0 rg BT 351.47 639.50 Td (in ) Tj ET Q q 0 0 0 rg BT 364.14 639.50 Td (2004.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 613.10 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 611.1986328125 m 565.337890625 611.1986328125 l s q 0 0 0 rg BT 122.00 613.10 Td (Jeffrey ) Tj ET Q q 0 0 0 rg BT 165.57 613.10 Td (J. ) Tj ET Q q 0 0 0 rg BT 179.79 613.10 Td (Brown, ) Tj ET Q q 0 0 0 rg BT 224.66 613.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 266.21 613.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 326.45 613.10 Td (V) Tj ET Q q 0 0 0 rg BT 334.24 613.10 Td (ice ) Tj ET Q q 0 0 0 rg BT 355.13 613.10 Td (President ) Tj ET Q q 0 0 0 rg BT 414.03 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 429.56 613.10 Td (Finance ) Tj ET Q q 0 0 0 rg BT 479.12 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.66 613.10 Td (Corporate ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 596.7986328125 m 172.666015625 596.7986328125 l s q 0 0 0 rg BT 122.00 598.70 Td (Planning) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 584.30 Td (Jef) Tj ET Q q 0 0 0 rg BT 137.79 584.30 Td (frey ) Tj ET Q q 0 0 0 rg BT 164.08 584.30 Td (Brown ) Tj ET Q q 0 0 0 rg BT 204.38 584.30 Td (was ) Tj ET Q q 0 0 0 rg BT 232.01 584.30 Td (appointed ) Tj ET Q q 0 0 0 rg BT 291.02 584.30 Td (Senior ) Tj ET Q q 0 0 0 rg BT 331.99 584.30 Td (Executive ) Tj ET Q q 0 0 0 rg BT 390.31 584.30 Td (V) Tj ET Q q 0 0 0 rg BT 398.09 584.30 Td (ice ) Tj ET Q q 0 0 0 rg BT 419.72 584.30 Td (President ) Tj ET Q q 0 0 0 rg BT 476.71 584.30 Td (of ) Tj ET Q q 0 0 0 rg BT 493.00 584.30 Td (Finance ) Tj ET Q q 0 0 0 rg BT 541.98 584.30 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 569.90 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 179.22 569.90 Td (Planning ) Tj ET Q q 0 0 0 rg BT 229.79 569.90 Td (of ) Tj ET Q q 0 0 0 rg BT 242.90 569.90 Td (AFI ) Tj ET Q q 0 0 0 rg BT 265.43 569.90 Td (in ) Tj ET Q q 0 0 0 rg BT 278.63 569.90 Td (June ) Tj ET Q q 0 0 0 rg BT 308.52 569.90 Td (201) Tj ET Q q 0 0 0 rg BT 327.65 569.90 Td (1. ) Tj ET Q q 0 0 0 rg BT 341.52 569.90 Td ( ) Tj ET Q q 0 0 0 rg BT 345.38 569.90 Td (In ) Tj ET Q q 0 0 0 rg BT 359.25 569.90 Td (this ) Tj ET Q q 0 0 0 rg BT 381.79 569.90 Td (role, ) Tj ET Q q 0 0 0 rg BT 409.00 569.90 Td (Brown ) Tj ET Q q 0 0 0 rg BT 446.87 569.90 Td (oversees ) Tj ET Q q 0 0 0 rg BT 499.43 569.90 Td (the ) Tj ET Q q 0 0 0 rg BT 519.97 569.90 Td (finance, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 555.50 Td (treasury) Tj ET Q q 0 0 0 rg BT 164.46 555.50 Td (, ) Tj ET Q q 0 0 0 rg BT 170.10 555.50 Td (and ) Tj ET Q q 0 0 0 rg BT 192.44 555.50 Td (corporate ) Tj ET Q q 0 0 0 rg BT 245.44 555.50 Td (strategy ) Tj ET Q q 0 0 0 rg BT 290.44 555.50 Td (activities ) Tj ET Q q 0 0 0 rg BT 338.76 555.50 Td (of ) Tj ET Q q 0 0 0 rg BT 351.08 555.50 Td (the ) Tj ET Q q 0 0 0 rg BT 370.08 555.50 Td (company) Tj ET Q q 0 0 0 rg BT 417.88 555.50 Td (. ) Tj ET Q q 0 0 0 rg BT 423.52 555.50 Td ( ) Tj ET Q q 0 0 0 rg BT 425.83 555.50 Td (Brown ) Tj ET Q q 0 0 0 rg BT 462.16 555.50 Td (joined ) Tj ET Q q 0 0 0 rg BT 496.04 555.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 517.02 555.50 Td (in ) Tj ET Q q 0 0 0 rg BT 528.67 555.50 Td (March ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 541.10 Td (2009 ) Tj ET Q q 0 0 0 rg BT 150.60 541.10 Td (as ) Tj ET Q q 0 0 0 rg BT 165.17 541.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 220.32 541.10 Td (T) Tj ET Q q 0 0 0 rg BT 227.20 541.10 Td (reasurer ) Tj ET Q q 0 0 0 rg BT 273.79 541.10 Td (with ) Tj ET Q q 0 0 0 rg BT 297.03 541.10 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 368.30 541.10 Td (for ) Tj ET Q q 0 0 0 rg BT 384.20 541.10 Td (global ) Tj ET Q q 0 0 0 rg BT 418.13 541.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 463.38 541.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 514.63 541.10 Td (including ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 526.70 Td (funding ) Tj ET Q q 0 0 0 rg BT 164.70 526.70 Td (and ) Tj ET Q q 0 0 0 rg BT 188.06 526.70 Td (balance ) Tj ET Q q 0 0 0 rg BT 233.43 526.70 Td (sheet ) Tj ET Q q 0 0 0 rg BT 266.12 526.70 Td (management. ) Tj ET Q q 0 0 0 rg BT 342.83 526.70 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 500.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 498.3986328125 m 377.380859375 498.3986328125 l s q 0 0 0 rg BT 122.00 500.30 Td (Christopher ) Tj ET Q q 0 0 0 rg BT 192.89 500.30 Td (A. ) Tj ET Q q 0 0 0 rg BT 208.23 500.30 Td (Halmy) Tj ET Q q 0 0 0 rg BT 243.35 500.30 Td (, ) Tj ET Q q 0 0 0 rg BT 250.02 500.30 Td (Chief ) Tj ET Q q 0 0 0 rg BT 283.36 500.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 338.70 500.30 Td (Officer) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 485.90 Td (Christopher ) Tj ET Q q 0 0 0 rg BT 187.26 485.90 Td (Halmy ) Tj ET Q q 0 0 0 rg BT 224.50 485.90 Td (was ) Tj ET Q q 0 0 0 rg BT 249.07 485.90 Td (named ) Tj ET Q q 0 0 0 rg BT 288.99 485.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 320.24 485.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 371.50 485.90 Td (Of) Tj ET Q q 0 0 0 rg BT 383.95 485.90 Td (ficer ) Tj ET Q q 0 0 0 rg BT 409.85 485.90 Td (of ) Tj ET Q q 0 0 0 rg BT 422.45 485.90 Td (AFI ) Tj ET Q q 0 0 0 rg BT 444.35 485.90 Td (in ) Tj ET Q q 0 0 0 rg BT 456.92 485.90 Td (November ) Tj ET Q q 0 0 0 rg BT 515.51 485.90 Td (2013. ) Tj ET Q q 0 0 0 rg BT 548.77 485.90 Td ( ) Tj ET Q q 0 0 0 rg BT 552.00 485.90 Td (In ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 471.50 Td (this ) Tj ET Q q 0 0 0 rg BT 145.74 471.50 Td (role, ) Tj ET Q q 0 0 0 rg BT 174.16 471.50 Td (he ) Tj ET Q q 0 0 0 rg BT 192.57 471.50 Td (is ) Tj ET Q q 0 0 0 rg BT 206.31 471.50 Td (responsible ) Tj ET Q q 0 0 0 rg BT 272.75 471.50 Td (for ) Tj ET Q q 0 0 0 rg BT 291.82 471.50 Td (the ) Tj ET Q q 0 0 0 rg BT 313.57 471.50 Td (oversight ) Tj ET Q q 0 0 0 rg BT 367.33 471.50 Td (of ) Tj ET Q q 0 0 0 rg BT 382.41 471.50 Td (the ) Tj ET Q q 0 0 0 rg BT 404.16 471.50 Td (company's ) Tj ET Q q 0 0 0 rg BT 466.21 471.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 515.31 471.50 Td (analysis, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 457.10 Td (treasury) Tj ET Q q 0 0 0 rg BT 164.46 457.10 Td (, ) Tj ET Q q 0 0 0 rg BT 169.64 457.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 213.50 457.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.37 457.10 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 287.92 457.10 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 351.14 457.10 Td (business ) Tj ET Q q 0 0 0 rg BT 400.35 457.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 447.57 457.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.44 457.10 Td (investor ) Tj ET Q q 0 0 0 rg BT 513.31 457.10 Td (relations. ) Tj ET Q q 0 0 0 rg BT 565.33 457.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 442.70 Td (Halmy ) Tj ET Q q 0 0 0 rg BT 159.34 442.70 Td (joined ) Tj ET Q q 0 0 0 rg BT 194.04 442.70 Td (AFI ) Tj ET Q q 0 0 0 rg BT 216.04 442.70 Td (in ) Tj ET Q q 0 0 0 rg BT 228.71 442.70 Td (2009 ) Tj ET Q q 0 0 0 rg BT 258.74 442.70 Td (and ) Tj ET Q q 0 0 0 rg BT 282.10 442.70 Td (has ) Tj ET Q q 0 0 0 rg BT 304.78 442.70 Td (served ) Tj ET Q q 0 0 0 rg BT 344.13 442.70 Td (as ) Tj ET Q q 0 0 0 rg BT 360.14 442.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 416.62 442.70 Td (T) Tj ET Q q 0 0 0 rg BT 423.50 442.70 Td (reasurer ) Tj ET Q q 0 0 0 rg BT 471.52 442.70 Td (since ) Tj ET Q q 0 0 0 rg BT 502.87 442.70 Td (201) Tj ET Q q 0 0 0 rg BT 522.00 442.70 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 416.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 414.3986328125 m 565.34375 414.3986328125 l s q 0 0 0 rg BT 122.00 416.30 Td (David ) Tj ET Q q 0 0 0 rg BT 158.53 416.30 Td (J. ) Tj ET Q q 0 0 0 rg BT 172.39 416.30 Td (DeBrunner) Tj ET Q q 0 0 0 rg BT 233.73 416.30 Td (, ) Tj ET Q q 0 0 0 rg BT 240.92 416.30 Td (V) Tj ET Q q 0 0 0 rg BT 248.70 416.30 Td (ice ) Tj ET Q q 0 0 0 rg BT 269.24 416.30 Td (President, ) Tj ET Q q 0 0 0 rg BT 331.11 416.30 Td (Chief ) Tj ET Q q 0 0 0 rg BT 364.44 416.30 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 434.29 416.30 Td (Officer) Tj ET Q q 0 0 0 rg BT 472.30 416.30 Td (, ) Tj ET Q q 0 0 0 rg BT 479.49 416.30 Td (and ) Tj ET Q q 0 0 0 rg BT 504.67 416.30 Td (Corporate ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 399.9986328125 m 179.333984375 399.9986328125 l s q 0 0 0 rg BT 122.00 401.90 Td (Controller) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 387.50 Td (David ) Tj ET Q q 0 0 0 rg BT 154.61 387.50 Td (DeBrunner ) Tj ET Q q 0 0 0 rg BT 214.57 387.50 Td (was ) Tj ET Q q 0 0 0 rg BT 237.83 387.50 Td (named ) Tj ET Q q 0 0 0 rg BT 276.45 387.50 Td (V) Tj ET Q q 0 0 0 rg BT 284.24 387.50 Td (ice ) Tj ET Q q 0 0 0 rg BT 301.51 387.50 Td (President, ) Tj ET Q q 0 0 0 rg BT 357.46 387.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 387.02 387.50 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 448.32 387.50 Td (Of) Tj ET Q q 0 0 0 rg BT 460.77 387.50 Td (ficer) Tj ET Q q 0 0 0 rg BT 482.78 387.50 Td (, ) Tj ET Q q 0 0 0 rg BT 488.04 387.50 Td (and ) Tj ET Q q 0 0 0 rg BT 509.99 387.50 Td (Controller ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.80 373.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 159.19 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 173.26 373.10 Td (September2007. ) Tj ET Q q 0 0 0 rg BT 270.06 373.10 Td (DeBrunner ) Tj ET Q q 0 0 0 rg BT 332.82 373.10 Td (joined ) Tj ET Q q 0 0 0 rg BT 368.63 373.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 392.70 373.10 Td (from ) Tj ET Q q 0 0 0 rg BT 421.43 373.10 Td (Fifth ) Tj ET Q q 0 0 0 rg BT 449.19 373.10 Td (Third ) Tj ET Q q 0 0 0 rg BT 481.25 373.10 Td (Bancorp ) Tj ET Q q 0 0 0 rg BT 530.68 373.10 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 538.67138671875 371.3890625 m 565.34326171875 371.3890625 l s q 0 0 0 rg BT 538.67 373.10 Td (Fifth ) Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 122 356.9890625 m 149.33984375 356.9890625 l s q 0 0 0 rg BT 122.00 358.70 Td (Third) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 149.34 358.70 Td (\) ) Tj ET Q q 0 0 0 rg BT 164.27 358.70 Td (where ) Tj ET Q q 0 0 0 rg BT 203.89 358.70 Td (he ) Tj ET Q q 0 0 0 rg BT 224.17 358.70 Td (was ) Tj ET Q q 0 0 0 rg BT 252.45 358.70 Td (Senior ) Tj ET Q q 0 0 0 rg BT 294.07 358.70 Td (V) Tj ET Q q 0 0 0 rg BT 301.86 358.70 Td (ice ) Tj ET Q q 0 0 0 rg BT 324.14 358.70 Td (President, ) Tj ET Q q 0 0 0 rg BT 385.10 358.70 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 445.40 358.70 Td (Controller) Tj ET Q q 0 0 0 rg BT 496.76 358.70 Td (, ) Tj ET Q q 0 0 0 rg BT 507.03 358.70 Td (and ) Tj ET Q q 0 0 0 rg BT 533.99 358.70 Td (Chief ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 344.30 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 184.14 344.30 Td (Of) Tj ET Q q 0 0 0 rg BT 196.59 344.30 Td (ficer ) Tj ET Q q 0 0 0 rg BT 222.03 344.30 Td (from ) Tj ET Q q 0 0 0 rg BT 248.79 344.30 Td (January2002 ) Tj ET Q q 0 0 0 rg BT 324.28 344.30 Td (to ) Tj ET Q q 0 0 0 rg BT 336.50 344.30 Td (August2007. ) Tj ET Q q 0 0 0 rg BT 409.99 344.30 Td ( ) Tj ET Q q 0 0 0 rg BT 412.76 344.30 Td (In ) Tj ET Q q 0 0 0 rg BT 425.53 344.30 Td (this ) Tj ET Q q 0 0 0 rg BT 446.97 344.30 Td (role, ) Tj ET Q q 0 0 0 rg BT 473.08 344.30 Td (he ) Tj ET Q q 0 0 0 rg BT 489.19 344.30 Td (is ) Tj ET Q q 0 0 0 rg BT 500.62 344.30 Td (responsible ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 329.90 Td (for ) Tj ET Q q 0 0 0 rg BT 139.00 329.90 Td (the ) Tj ET Q q 0 0 0 rg BT 158.68 329.90 Td (company) Tj ET Q q 0 0 0 rg BT 209.82 329.90 Td (s ) Tj ET Q q 0 0 0 rg BT 218.82 329.90 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 283.19 329.90 Td (external ) Tj ET Q q 0 0 0 rg BT 328.88 329.90 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 382.57 329.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 429.60 329.90 Td (controls, ) Tj ET Q q 0 0 0 rg BT 477.95 329.90 Td (tax, ) Tj ET Q q 0 0 0 rg BT 500.28 329.90 Td (and ) Tj ET Q q 0 0 0 rg BT 523.30 329.90 Td (finance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 315.50 Td (shared ) Tj ET Q q 0 0 0 rg BT 162.03 315.50 Td (services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 289.10 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 287.1986328125 m 311.357421875 287.1986328125 l s q 0 0 0 rg BT 122.00 289.10 Td (Brian ) Tj ET Q q 0 0 0 rg BT 156.01 289.10 Td (M. ) Tj ET Q q 0 0 0 rg BT 172.67 289.10 Td (Gunn, ) Tj ET Q q 0 0 0 rg BT 210.66 289.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 244.00 289.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 272.68 289.10 Td (Officer) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 274.70 Td (Brian ) Tj ET Q q 0 0 0 rg BT 154.31 274.70 Td (Gunn ) Tj ET Q q 0 0 0 rg BT 187.96 274.70 Td (was ) Tj ET Q q 0 0 0 rg BT 213.60 274.70 Td (named ) Tj ET Q q 0 0 0 rg BT 254.59 274.70 Td (Chief ) Tj ET Q q 0 0 0 rg BT 286.90 274.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 314.53 274.70 Td (Of) Tj ET Q q 0 0 0 rg BT 326.98 274.70 Td (ficer ) Tj ET Q q 0 0 0 rg BT 353.95 274.70 Td (of ) Tj ET Q q 0 0 0 rg BT 367.40 274.70 Td (AFI ) Tj ET Q q 0 0 0 rg BT 390.37 274.70 Td (in ) Tj ET Q q 0 0 0 rg BT 404.01 274.70 Td (November ) Tj ET Q q 0 0 0 rg BT 463.66 274.70 Td (201) Tj ET Q q 0 0 0 rg BT 482.79 274.70 Td (1. ) Tj ET Q q 0 0 0 rg BT 497.10 274.70 Td ( ) Tj ET Q q 0 0 0 rg BT 501.39 274.70 Td (In ) Tj ET Q q 0 0 0 rg BT 515.70 274.70 Td (this ) Tj ET Q q 0 0 0 rg BT 538.67 274.70 Td (role, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 260.30 Td (Gunn ) Tj ET Q q 0 0 0 rg BT 155.53 260.30 Td (has ) Tj ET Q q 0 0 0 rg BT 179.05 260.30 Td (overall ) Tj ET Q q 0 0 0 rg BT 218.58 260.30 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 292.12 260.30 Td (for ) Tj ET Q q 0 0 0 rg BT 310.30 260.30 Td (achieving ) Tj ET Q q 0 0 0 rg BT 365.18 260.30 Td (an ) Tj ET Q q 0 0 0 rg BT 382.70 260.30 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 447.58 260.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 493.79 260.30 Td (between ) Tj ET Q q 0 0 0 rg BT 543.34 260.30 Td (risk ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 245.90 Td (and ) Tj ET Q q 0 0 0 rg BT 148.34 245.90 Td (return, ) Tj ET Q q 0 0 0 rg BT 189.33 245.90 Td (mitigating ) Tj ET Q q 0 0 0 rg BT 247.00 245.90 Td (unnecessary ) Tj ET Q q 0 0 0 rg BT 321.36 245.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 346.33 245.90 Td (and ) Tj ET Q q 0 0 0 rg BT 372.67 245.90 Td (protecting ) Tj ET Q q 0 0 0 rg BT 431.68 245.90 Td (the ) Tj ET Q q 0 0 0 rg BT 454.68 245.90 Td (company's ) Tj ET Q q 0 0 0 rg BT 517.97 245.90 Td (financial ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 231.50 Td (returns. ) Tj ET Q q 0 0 0 rg BT 167.00 231.50 Td ( ) Tj ET Q q 0 0 0 rg BT 171.31 231.50 Td (Gunn ) Tj ET Q q 0 0 0 rg BT 204.98 231.50 Td (joined ) Tj ET Q q 0 0 0 rg BT 240.47 231.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 263.45 231.50 Td (in ) Tj ET Q q 0 0 0 rg BT 277.11 231.50 Td (2008 ) Tj ET Q q 0 0 0 rg BT 308.12 231.50 Td (as ) Tj ET Q q 0 0 0 rg BT 325.11 231.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 357.44 231.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 385.08 231.50 Td (Of) Tj ET Q q 0 0 0 rg BT 397.54 231.50 Td (ficer ) Tj ET Q q 0 0 0 rg BT 424.52 231.50 Td (for ) Tj ET Q q 0 0 0 rg BT 442.84 231.50 Td (the ) Tj ET Q q 0 0 0 rg BT 463.84 231.50 Td (Global ) Tj ET Q q 0 0 0 rg BT 501.98 231.50 Td (Automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 217.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 175.84 217.10 Td (business ) Tj ET Q q 0 0 0 rg BT 231.04 217.10 Td (where ) Tj ET Q q 0 0 0 rg BT 271.55 217.10 Td (he ) Tj ET Q q 0 0 0 rg BT 292.73 217.10 Td (was ) Tj ET Q q 0 0 0 rg BT 321.90 217.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 391.10 217.10 Td (for ) Tj ET Q q 0 0 0 rg BT 412.94 217.10 Td (overseeing ) Tj ET Q q 0 0 0 rg BT 479.47 217.10 Td (disciplined ) Tj ET Q q 0 0 0 rg BT 543.34 217.10 Td (risk ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 202.70 Td (processes, ) Tj ET Q q 0 0 0 rg BT 182.77 202.70 Td (governance ) Tj ET Q q 0 0 0 rg BT 248.22 202.70 Td (and ) Tj ET Q q 0 0 0 rg BT 270.99 202.70 Td (analytics ) Tj ET Q q 0 0 0 rg BT 320.42 202.70 Td (in ) Tj ET Q q 0 0 0 rg BT 332.50 202.70 Td (support ) Tj ET Q q 0 0 0 rg BT 375.27 202.70 Td (of ) Tj ET Q q 0 0 0 rg BT 387.48 202.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 417.85 202.70 Td (ef) Tj ET Q q 0 0 0 rg BT 427.64 202.70 Td (forts ) Tj ET Q q 0 0 0 rg BT 453.72 202.70 Td (to ) Tj ET Q q 0 0 0 rg BT 466.47 202.70 Td (diversify ) Tj ET Q q 0 0 0 rg BT 513.22 202.70 Td (and ) Tj ET Q q 0 0 0 rg BT 535.99 202.70 Td (grow ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 188.30 Td (its ) Tj ET Q q 0 0 0 rg BT 137.32 188.30 Td (automotive ) Tj ET Q q 0 0 0 rg BT 199.33 188.30 Td (product ) Tj ET Q q 0 0 0 rg BT 242.67 188.30 Td (lines. ) Tj ET Q q 0 0 0 rg BT 274.00 188.30 Td ( ) Tj ET Q q 0 0 0 rg BT 277.32 188.30 Td (In ) Tj ET Q q 0 0 0 rg BT 290.64 188.30 Td (this ) Tj ET Q q 0 0 0 rg BT 312.63 188.30 Td (role, ) Tj ET Q q 0 0 0 rg BT 339.29 188.30 Td (Gunn ) Tj ET Q q 0 0 0 rg BT 371.96 188.30 Td (established ) Tj ET Q q 0 0 0 rg BT 435.99 188.30 Td (a ) Tj ET Q q 0 0 0 rg BT 445.98 188.30 Td (global ) Tj ET Q q 0 0 0 rg BT 481.32 188.30 Td (automotive ) Tj ET Q q 0 0 0 rg BT 543.34 188.30 Td (risk ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 173.90 Td (management ) Tj ET Q q 0 0 0 rg BT 195.98 173.90 Td (framework ) Tj ET Q q 0 0 0 rg BT 255.94 173.90 Td (for ) Tj ET Q q 0 0 0 rg BT 273.88 173.90 Td (all ) Tj ET Q q 0 0 0 rg BT 289.83 173.90 Td (product ) Tj ET Q q 0 0 0 rg BT 333.79 173.90 Td (lines ) Tj ET Q q 0 0 0 rg BT 362.42 173.90 Td (across ) Tj ET Q q 0 0 0 rg BT 401.70 173.90 Td (North ) Tj ET Q q 0 0 0 rg BT 434.20 173.90 Td (America, ) Tj ET Q q 0 0 0 rg BT 485.49 173.90 Td (Latin ) Tj ET Q q 0 0 0 rg BT 514.67 173.90 Td (America, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 159.50 Td (Europe ) Tj ET Q q 0 0 0 rg BT 164.03 159.50 Td (and ) Tj ET Q q 0 0 0 rg BT 187.38 159.50 Td (China.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (2.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 133.10 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 133.10 Td (Principal ) Tj ET Q q 0 0 0 rg BT 140.02 133.10 Td (Officers ) Tj ET Q q 0 0 0 rg BT 188.70 133.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.92 133.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 228.26 133.10 Td (Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 106.70 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 104.79863281250005 m 510.13671875 104.79863281250005 l s q 0 0 0 rg BT 122.00 106.70 Td (Barbara ) Tj ET Q q 0 0 0 rg BT 170.25 106.70 Td (A. ) Tj ET Q q 0 0 0 rg BT 185.36 106.70 Td (Y) Tj ET Q q 0 0 0 rg BT 192.71 106.70 Td (astine, ) Tj ET Q q 0 0 0 rg BT 234.05 106.70 Td (Chairman, ) Tj ET Q q 0 0 0 rg BT 296.07 106.70 Td (Chief ) Tj ET Q q 0 0 0 rg BT 329.40 106.70 Td (Executive ) Tj ET Q q 0 0 0 rg BT 388.77 106.70 Td (Officer ) Tj ET Q q 0 0 0 rg BT 430.78 106.70 Td (and ) Tj ET Q q 0 0 0 rg BT 455.45 106.70 Td (President) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 92.30 Td (Barbara ) Tj ET Q q 0 0 0 rg BT 167.05 92.30 Td (A. ) Tj ET Q q 0 0 0 rg BT 181.14 92.30 Td (Y) Tj ET Q q 0 0 0 rg BT 188.25 92.30 Td (astine ) Tj ET Q q 0 0 0 rg BT 223.22 92.30 Td (was ) Tj ET Q q 0 0 0 rg BT 247.50 92.30 Td (named ) Tj ET Q q 0 0 0 rg BT 287.14 92.30 Td (Chief ) Tj ET Q q 0 0 0 rg BT 318.09 92.30 Td (Executive ) Tj ET Q q 0 0 0 rg BT 373.06 92.30 Td (Of) Tj ET Q q 0 0 0 rg BT 385.51 92.30 Td (ficer ) Tj ET Q q 0 0 0 rg BT 411.13 92.30 Td (and ) Tj ET Q q 0 0 0 rg BT 434.09 92.30 Td (President ) Tj ET Q q 0 0 0 rg BT 487.73 92.30 Td (of ) Tj ET Q q 0 0 0 rg BT 500.10 92.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 522.38 92.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 552.67 92.30 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 77.90 Td (May ) Tj ET Q q 0 0 0 rg BT 147.81 77.90 Td (2012. ) Tj ET Q q 0 0 0 rg BT 180.97 77.90 Td ( ) Tj ET Q q 0 0 0 rg BT 184.11 77.90 Td (She ) Tj ET Q q 0 0 0 rg BT 208.60 77.90 Td (also ) Tj ET Q q 0 0 0 rg BT 233.75 77.90 Td (continues ) Tj ET Q q 0 0 0 rg BT 288.26 77.90 Td (as ) Tj ET Q q 0 0 0 rg BT 304.07 77.90 Td (Chair ) Tj ET Q q 0 0 0 rg BT 335.88 77.90 Td (of ) Tj ET Q q 0 0 0 rg BT 348.40 77.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 370.88 77.90 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 404.70 77.90 Td (a ) Tj ET Q q 0 0 0 rg BT 414.51 77.90 Td (position ) Tj ET Q q 0 0 0 rg BT 459.01 77.90 Td (she ) Tj ET Q q 0 0 0 rg BT 481.49 77.90 Td (assumed ) Tj ET Q q 0 0 0 rg BT 533.32 77.90 Td (when ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 63.50 Td (she ) Tj ET Q q 0 0 0 rg BT 144.65 63.50 Td (joined ) Tj ET Q q 0 0 0 rg BT 179.32 63.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 201.28 63.50 Td (in ) Tj ET Q q 0 0 0 rg BT 213.92 63.50 Td (2010. ) Tj ET Q q 0 0 0 rg BT 247.25 63.50 Td ( ) Tj ET Q q 0 0 0 rg BT 250.33 63.50 Td (Y) Tj ET Q q 0 0 0 rg BT 257.45 63.50 Td (astine ) Tj ET Q q 0 0 0 rg BT 292.77 63.50 Td (is ) Tj ET Q q 0 0 0 rg BT 304.73 63.50 Td (a ) Tj ET Q q 0 0 0 rg BT 314.70 63.50 Td (seasoned ) Tj ET Q q 0 0 0 rg BT 370.04 63.50 Td (executive ) Tj ET Q q 0 0 0 rg BT 424.04 63.50 Td (with ) Tj ET Q q 0 0 0 rg BT 448.67 63.50 Td (diverse ) Tj ET Q q 0 0 0 rg BT 490.66 63.50 Td (experience ) Tj ET Q q 0 0 0 rg BT 552.66 63.50 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 49.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 168.52 49.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 218.35 49.10 Td ( ) Tj ET Q q 0 0 0 rg BT 220.84 49.10 Td (She ) Tj ET Q q 0 0 0 rg BT 244.68 49.10 Td (joined ) Tj ET Q q 0 0 0 rg BT 278.70 49.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 299.86 49.10 Td (in ) Tj ET Q q 0 0 0 rg BT 311.69 49.10 Td (May ) Tj ET Q q 0 0 0 rg BT 336.85 49.10 Td (2010 ) Tj ET Q q 0 0 0 rg BT 366.03 49.10 Td (as ) Tj ET Q q 0 0 0 rg BT 381.19 49.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 411.20 49.10 Td (Administrative ) Tj ET Q q 0 0 0 rg BT 489.05 49.10 Td (Of) Tj ET Q q 0 0 0 rg BT 501.50 49.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 523.51 49.10 Td (, ) Tj ET Q q 0 0 0 rg BT 529.33 49.10 Td (where ) Tj ET Q endstream endobj 51 0 obj <> endobj 52 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (25) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 740.30 Td (she ) Tj ET Q q 0 0 0 rg BT 145.27 740.30 Td (had ) Tj ET Q q 0 0 0 rg BT 169.22 740.30 Td (oversight ) Tj ET Q q 0 0 0 rg BT 221.83 740.30 Td (for ) Tj ET Q q 0 0 0 rg BT 239.76 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 260.37 740.30 Td (risk, ) Tj ET Q q 0 0 0 rg BT 286.29 740.30 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 354.25 740.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 383.53 740.30 Td (and ) Tj ET Q q 0 0 0 rg BT 407.47 740.30 Td (technology ) Tj ET Q q 0 0 0 rg BT 469.44 740.30 Td (functions, ) Tj ET Q q 0 0 0 rg BT 524.73 740.30 Td (as ) Tj ET Q q 0 0 0 rg BT 541.33 740.30 Td (well ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 725.90 Td (as ) Tj ET Q q 0 0 0 rg BT 138.01 725.90 Td (serving ) Tj ET Q q 0 0 0 rg BT 180.03 725.90 Td (as ) Tj ET Q q 0 0 0 rg BT 195.37 725.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 218.04 725.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 248.73 725.90 Td (Chair) Tj ET Q q 0 0 0 rg BT 276.74 725.90 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 699.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 697.5986328125 m 517.42578125 697.5986328125 l s q 0 0 0 rg BT 122.00 699.50 Td (Diane ) Tj ET Q q 0 0 0 rg BT 158.01 699.50 Td (E. ) Tj ET Q q 0 0 0 rg BT 172.68 699.50 Td (Morais, ) Tj ET Q q 0 0 0 rg BT 218.03 699.50 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 272.04 699.50 Td (and ) Tj ET Q q 0 0 0 rg BT 296.71 699.50 Td (Line ) Tj ET Q q 0 0 0 rg BT 324.71 699.50 Td (of ) Tj ET Q q 0 0 0 rg BT 339.37 699.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 396.06 699.50 Td (Integration ) Tj ET Q q 0 0 0 rg BT 461.39 699.50 Td (Executive) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 685.10 Td (Diane ) Tj ET Q q 0 0 0 rg BT 155.42 685.10 Td (Morais ) Tj ET Q q 0 0 0 rg BT 193.49 685.10 Td (is ) Tj ET Q q 0 0 0 rg BT 204.22 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.97 685.10 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 271.72 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 293.81 685.10 Td (Line ) Tj ET Q q 0 0 0 rg BT 318.56 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.64 685.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 381.40 685.10 Td (Integration ) Tj ET Q q 0 0 0 rg BT 440.17 685.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 494.26 685.10 Td (for ) Tj ET Q q 0 0 0 rg BT 509.92 685.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 531.32 685.10 Td (Bank. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 670.70 Td (In ) Tj ET Q q 0 0 0 rg BT 135.12 670.70 Td (this ) Tj ET Q q 0 0 0 rg BT 156.90 670.70 Td (capacity) Tj ET Q q 0 0 0 rg BT 200.03 670.70 Td (, ) Tj ET Q q 0 0 0 rg BT 206.48 670.70 Td (she ) Tj ET Q q 0 0 0 rg BT 228.94 670.70 Td (is ) Tj ET Q q 0 0 0 rg BT 240.71 670.70 Td (responsible ) Tj ET Q q 0 0 0 rg BT 305.20 670.70 Td (for ) Tj ET Q q 0 0 0 rg BT 322.31 670.70 Td (overseeing ) Tj ET Q q 0 0 0 rg BT 384.13 670.70 Td (the ) Tj ET Q q 0 0 0 rg BT 403.92 670.70 Td (overall ) Tj ET Q q 0 0 0 rg BT 442.38 670.70 Td (growth ) Tj ET Q q 0 0 0 rg BT 481.51 670.70 Td (and ) Tj ET Q q 0 0 0 rg BT 504.64 670.70 Td (profitability ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 656.30 Td (of ) Tj ET Q q 0 0 0 rg BT 140.24 656.30 Td (the ) Tj ET Q q 0 0 0 rg BT 165.16 656.30 Td (deposit ) Tj ET Q q 0 0 0 rg BT 212.09 656.30 Td (business, ) Tj ET Q q 0 0 0 rg BT 271.02 656.30 Td (including ) Tj ET Q q 0 0 0 rg BT 324.98 656.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 352.55 656.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 388.14 656.30 Td (marketing ) Tj ET Q q 0 0 0 rg BT 449.06 656.30 Td (strategies, ) Tj ET Q q 0 0 0 rg BT 512.65 656.30 Td (customer ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 641.90 Td (experience ) Tj ET Q q 0 0 0 rg BT 185.42 641.90 Td (product ) Tj ET Q q 0 0 0 rg BT 230.16 641.90 Td (and ) Tj ET Q q 0 0 0 rg BT 254.90 641.90 Td (pricing ) Tj ET Q q 0 0 0 rg BT 294.97 641.90 Td (optimization, ) Tj ET Q q 0 0 0 rg BT 367.05 641.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 421.11 641.90 Td (contact ) Tj ET Q q 0 0 0 rg BT 464.52 641.90 Td (centers, ) Tj ET Q q 0 0 0 rg BT 511.92 641.90 Td (and ) Tj ET Q q 0 0 0 rg BT 536.66 641.90 Td (back ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 627.50 Td (of) Tj ET Q q 0 0 0 rg BT 131.79 627.50 Td (fice ) Tj ET Q q 0 0 0 rg BT 154.54 627.50 Td (operations. ) Tj ET Q q 0 0 0 rg BT 217.98 627.50 Td ( ) Tj ET Q q 0 0 0 rg BT 222.05 627.50 Td (Morais ) Tj ET Q q 0 0 0 rg BT 262.13 627.50 Td (also ) Tj ET Q q 0 0 0 rg BT 288.21 627.50 Td (oversees ) Tj ET Q q 0 0 0 rg BT 340.17 627.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 363.58 627.50 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 403.29 627.50 Td (Community ) Tj ET Q q 0 0 0 rg BT 468.04 627.50 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 544.67 627.50 Td (Act ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 613.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 175.57 613.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.79 613.10 Td (In ) Tj ET Q q 0 0 0 rg BT 194.02 613.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 240.28 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.50 613.10 Td (being ) Tj ET Q q 0 0 0 rg BT 288.09 613.10 Td (a ) Tj ET Q q 0 0 0 rg BT 298.98 613.10 Td (member ) Tj ET Q q 0 0 0 rg BT 347.21 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.44 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.51 613.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 405.06 613.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 436.64 613.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 472.88 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.11 613.10 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 542.67 613.10 Td (she ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 598.70 Td (serves ) Tj ET Q q 0 0 0 rg BT 161.70 598.70 Td (as ) Tj ET Q q 0 0 0 rg BT 178.73 598.70 Td (the ) Tj ET Q q 0 0 0 rg BT 199.77 598.70 Td (primary ) Tj ET Q q 0 0 0 rg BT 244.13 598.70 Td (liaison ) Tj ET Q q 0 0 0 rg BT 282.51 598.70 Td (between ) Tj ET Q q 0 0 0 rg BT 331.37 598.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 355.07 598.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 386.78 598.70 Td (and ) Tj ET Q q 0 0 0 rg BT 411.15 598.70 Td (other ) Tj ET Q q 0 0 0 rg BT 442.86 598.70 Td (key ) Tj ET Q q 0 0 0 rg BT 465.90 598.70 Td (business ) Tj ET Q q 0 0 0 rg BT 517.62 598.70 Td (areas ) Tj ET Q q 0 0 0 rg BT 551.99 598.70 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 584.30 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 170.70 584.30 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 242.75 584.30 Td (for ) Tj ET Q q 0 0 0 rg BT 260.09 584.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 299.44 584.30 Td (and ) Tj ET Q q 0 0 0 rg BT 322.79 584.30 Td (ensure ) Tj ET Q q 0 0 0 rg BT 362.82 584.30 Td (strategic ) Tj ET Q q 0 0 0 rg BT 411.51 584.30 Td (alignment. ) Tj ET Q q 0 0 0 rg BT 470.21 584.30 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 557.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 555.9986328125 m 326.310546875 555.9986328125 l s q 0 0 0 rg BT 122.00 557.90 Td (David ) Tj ET Q q 0 0 0 rg BT 158.01 557.90 Td (P) Tj ET Q q 0 0 0 rg BT 164.47 557.90 Td (. ) Tj ET Q q 0 0 0 rg BT 171.14 557.90 Td (Shevsky) Tj ET Q q 0 0 0 rg BT 218.95 557.90 Td (, ) Tj ET Q q 0 0 0 rg BT 225.62 557.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 258.95 557.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 287.63 557.90 Td (Officer) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 543.50 Td (David ) Tj ET Q q 0 0 0 rg BT 155.56 543.50 Td (Shevsky ) Tj ET Q q 0 0 0 rg BT 203.80 543.50 Td (was ) Tj ET Q q 0 0 0 rg BT 228.03 543.50 Td (named ) Tj ET Q q 0 0 0 rg BT 267.60 543.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 298.50 543.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 324.72 543.50 Td (Of) Tj ET Q q 0 0 0 rg BT 337.17 543.50 Td (ficer ) Tj ET Q q 0 0 0 rg BT 362.72 543.50 Td (for ) Tj ET Q q 0 0 0 rg BT 379.04 543.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 401.26 543.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 431.50 543.50 Td (in ) Tj ET Q q 0 0 0 rg BT 443.72 543.50 Td (June ) Tj ET Q q 0 0 0 rg BT 472.63 543.50 Td (201) Tj ET Q q 0 0 0 rg BT 491.76 543.50 Td (1. ) Tj ET Q q 0 0 0 rg BT 504.65 543.50 Td ( ) Tj ET Q q 0 0 0 rg BT 507.53 543.50 Td (In ) Tj ET Q q 0 0 0 rg BT 520.43 543.50 Td (this ) Tj ET Q q 0 0 0 rg BT 541.99 543.50 Td (role ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 529.10 Td (he ) Tj ET Q q 0 0 0 rg BT 139.77 529.10 Td (is ) Tj ET Q q 0 0 0 rg BT 152.86 529.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 218.65 529.10 Td (for ) Tj ET Q q 0 0 0 rg BT 237.07 529.10 Td (recommending ) Tj ET Q q 0 0 0 rg BT 320.87 529.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.31 529.10 Td (administering ) Tj ET Q q 0 0 0 rg BT 421.10 529.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 444.18 529.10 Td (management ) Tj ET Q q 0 0 0 rg BT 518.65 529.10 Td (policies, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 514.70 Td (processes ) Tj ET Q q 0 0 0 rg BT 180.31 514.70 Td (and ) Tj ET Q q 0 0 0 rg BT 203.95 514.70 Td (systems ) Tj ET Q q 0 0 0 rg BT 251.57 514.70 Td (to ) Tj ET Q q 0 0 0 rg BT 265.19 514.70 Td (ensure ) Tj ET Q q 0 0 0 rg BT 305.50 514.70 Td (that ) Tj ET Q q 0 0 0 rg BT 329.13 514.70 Td (the ) Tj ET Q q 0 0 0 rg BT 349.43 514.70 Td (organization ) Tj ET Q q 0 0 0 rg BT 418.43 514.70 Td (operates ) Tj ET Q q 0 0 0 rg BT 468.75 514.70 Td (within ) Tj ET Q q 0 0 0 rg BT 503.04 514.70 Td (stated ) Tj ET Q q 0 0 0 rg BT 539.35 514.70 Td (risk-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 500.30 Td (return ) Tj ET Q q 0 0 0 rg BT 156.50 500.30 Td (characteristics. ) Tj ET Q q 0 0 0 rg BT 239.67 500.30 Td ( ) Tj ET Q q 0 0 0 rg BT 242.61 500.30 Td (The ) Tj ET Q q 0 0 0 rg BT 266.44 500.30 Td (position ) Tj ET Q q 0 0 0 rg BT 310.95 500.30 Td (spans ) Tj ET Q q 0 0 0 rg BT 346.12 500.30 Td (the ) Tj ET Q q 0 0 0 rg BT 365.96 500.30 Td (entire ) Tj ET Q q 0 0 0 rg BT 399.12 500.30 Td (organization ) Tj ET Q q 0 0 0 rg BT 467.65 500.30 Td (and ) Tj ET Q q 0 0 0 rg BT 490.82 500.30 Td (covers ) Tj ET Q q 0 0 0 rg BT 529.32 500.30 Td (credit, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 485.90 Td (market, ) Tj ET Q q 0 0 0 rg BT 165.20 485.90 Td (and ) Tj ET Q q 0 0 0 rg BT 188.41 485.90 Td (operational ) Tj ET Q q 0 0 0 rg BT 250.99 485.90 Td (risk. ) Tj ET Q q 0 0 0 rg BT 276.17 485.90 Td ( ) Tj ET Q q 0 0 0 rg BT 279.37 485.90 Td (Prior ) Tj ET Q q 0 0 0 rg BT 307.89 485.90 Td (to ) Tj ET Q q 0 0 0 rg BT 321.09 485.90 Td (becoming ) Tj ET Q q 0 0 0 rg BT 376.32 485.90 Td (the ) Tj ET Q q 0 0 0 rg BT 396.19 485.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 427.40 485.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 453.92 485.90 Td (Of) Tj ET Q q 0 0 0 rg BT 466.37 485.90 Td (ficer ) Tj ET Q q 0 0 0 rg BT 492.24 485.90 Td (for ) Tj ET Q q 0 0 0 rg BT 508.80 485.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 531.33 485.90 Td (Bank, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 471.50 Td (Shevsky ) Tj ET Q q 0 0 0 rg BT 171.44 471.50 Td (was ) Tj ET Q q 0 0 0 rg BT 196.87 471.50 Td (the ) Tj ET Q q 0 0 0 rg BT 216.83 471.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 239.59 471.50 Td (Loan ) Tj ET Q q 0 0 0 rg BT 270.38 471.50 Td (Review ) Tj ET Q q 0 0 0 rg BT 313.81 471.50 Td (Executive. ) Tj ET Q q 0 0 0 rg BT 373.26 471.50 Td ( ) Tj ET Q q 0 0 0 rg BT 377.36 471.50 Td (In ) Tj ET Q q 0 0 0 rg BT 391.45 471.50 Td (that ) Tj ET Q q 0 0 0 rg BT 415.56 471.50 Td (role ) Tj ET Q q 0 0 0 rg BT 439.66 471.50 Td (he ) Tj ET Q q 0 0 0 rg BT 457.10 471.50 Td (was ) Tj ET Q q 0 0 0 rg BT 482.53 471.50 Td (responsible ) Tj ET Q q 0 0 0 rg BT 547.99 471.50 Td (for ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 457.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 189.67 457.10 Td (a ) Tj ET Q q 0 0 0 rg BT 200.64 457.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 227.63 457.10 Td (review ) Tj ET Q q 0 0 0 rg BT 266.60 457.10 Td (function ) Tj ET Q q 0 0 0 rg BT 312.93 457.10 Td (that ) Tj ET Q q 0 0 0 rg BT 337.24 457.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 386.72 457.10 Td (AFI ) Tj ET Q q 0 0 0 rg BT 409.69 457.10 Td (senior ) Tj ET Q q 0 0 0 rg BT 446.67 457.10 Td (management ) Tj ET Q q 0 0 0 rg BT 521.01 457.10 Td (and ) Tj ET Q q 0 0 0 rg BT 545.33 457.10 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 442.70 Td (Risk ) Tj ET Q q 0 0 0 rg BT 148.15 442.70 Td (and ) Tj ET Q q 0 0 0 rg BT 170.98 442.70 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 237.16 442.70 Td (Committee ) Tj ET Q q 0 0 0 rg BT 297.99 442.70 Td (of ) Tj ET Q q 0 0 0 rg BT 310.81 442.70 Td (the ) Tj ET Q q 0 0 0 rg BT 330.31 442.70 Td (Board ) Tj ET Q q 0 0 0 rg BT 365.14 442.70 Td (of ) Tj ET Q q 0 0 0 rg BT 377.96 442.70 Td (Directors ) Tj ET Q q 0 0 0 rg BT 428.79 442.70 Td (with ) Tj ET Q q 0 0 0 rg BT 452.94 442.70 Td (independent ) Tj ET Q q 0 0 0 rg BT 521.82 442.70 Td (and ) Tj ET Q q 0 0 0 rg BT 544.65 442.70 Td (on-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 428.30 Td (going ) Tj ET Q q 0 0 0 rg BT 155.73 428.30 Td (assessments ) Tj ET Q q 0 0 0 rg BT 230.13 428.30 Td (of ) Tj ET Q q 0 0 0 rg BT 243.64 428.30 Td (AFI's ) Tj ET Q q 0 0 0 rg BT 274.98 428.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 302.04 428.30 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 355.10 428.30 Td (and ) Tj ET Q q 0 0 0 rg BT 379.49 428.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 413.21 428.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 436.24 428.30 Td (management ) Tj ET Q q 0 0 0 rg BT 510.66 428.30 Td (practices. ) Tj ET Q q 0 0 0 rg BT 565.35 428.30 Td ( ) Tj ET Q q 0 0 0 rg BT 568.68 428.30 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 413.90 Td (Previously) Tj ET Q q 0 0 0 rg BT 176.46 413.90 Td (, ) Tj ET Q q 0 0 0 rg BT 182.94 413.90 Td (Shevsky ) Tj ET Q q 0 0 0 rg BT 231.43 413.90 Td (was ) Tj ET Q q 0 0 0 rg BT 255.90 413.90 Td (a ) Tj ET Q q 0 0 0 rg BT 265.72 413.90 Td (Senior ) Tj ET Q q 0 0 0 rg BT 303.54 413.90 Td (V) Tj ET Q q 0 0 0 rg BT 311.33 413.90 Td (ice ) Tj ET Q q 0 0 0 rg BT 329.81 413.90 Td (President, ) Tj ET Q q 0 0 0 rg BT 386.98 413.90 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 444.81 413.90 Td (Risk ) Tj ET Q q 0 0 0 rg BT 471.28 413.90 Td (Policy) Tj ET Q q 0 0 0 rg BT 502.40 413.90 Td (, ) Tj ET Q q 0 0 0 rg BT 508.87 413.90 Td (for ) Tj ET Q q 0 0 0 rg BT 526.01 413.90 Td (GMAC ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 399.50 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 180.01 399.50 Td (Risk ) Tj ET Q q 0 0 0 rg BT 206.66 399.50 Td (Services. ) Tj ET Q q 0 0 0 rg BT 259.32 399.50 Td ( ) Tj ET Q q 0 0 0 rg BT 262.64 399.50 Td (In ) Tj ET Q q 0 0 0 rg BT 275.97 399.50 Td (that ) Tj ET Q q 0 0 0 rg BT 299.30 399.50 Td (role ) Tj ET Q q 0 0 0 rg BT 322.63 399.50 Td (he ) Tj ET Q q 0 0 0 rg BT 339.29 399.50 Td (was ) Tj ET Q q 0 0 0 rg BT 363.95 399.50 Td (responsible ) Tj ET Q q 0 0 0 rg BT 428.64 399.50 Td (for ) Tj ET Q q 0 0 0 rg BT 445.96 399.50 Td (leading ) Tj ET Q q 0 0 0 rg BT 487.98 399.50 Td (an ) Tj ET Q q 0 0 0 rg BT 504.65 399.50 Td (enterprise-) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 385.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 153.99 385.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 211.35 385.10 Td (for ) Tj ET Q q 0 0 0 rg BT 232.66 385.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 291.33 385.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 333.33 385.10 Td (management ) Tj ET Q q 0 0 0 rg BT 410.69 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.03 385.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 506.68 385.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 543.34 385.10 Td (risk ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 370.70 Td (management. ) Tj ET Q q 0 0 0 rg BT 197.76 370.70 Td (Dave ) Tj ET Q q 0 0 0 rg BT 228.16 370.70 Td (collaborated ) Tj ET Q q 0 0 0 rg BT 295.92 370.70 Td (with ) Tj ET Q q 0 0 0 rg BT 319.64 370.70 Td (senior ) Tj ET Q q 0 0 0 rg BT 354.71 370.70 Td (executive ) Tj ET Q q 0 0 0 rg BT 407.79 370.70 Td (management ) Tj ET Q q 0 0 0 rg BT 480.21 370.70 Td (and ) Tj ET Q q 0 0 0 rg BT 502.62 370.70 Td (operational ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 356.30 Td (management ) Tj ET Q q 0 0 0 rg BT 195.38 356.30 Td (at ) Tj ET Q q 0 0 0 rg BT 208.72 356.30 Td (all ) Tj ET Q q 0 0 0 rg BT 224.06 356.30 Td (GMAC ) Tj ET Q q 0 0 0 rg BT 263.39 356.30 Td (entities ) Tj ET Q q 0 0 0 rg BT 304.75 356.30 Td (to ) Tj ET Q q 0 0 0 rg BT 318.09 356.30 Td (implement ) Tj ET Q q 0 0 0 rg BT 376.78 356.30 Td (the ) Tj ET Q q 0 0 0 rg BT 396.79 356.30 Td (framework.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 329.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET 0 0 0 RG /GS0 gs 1.26 w 0 i [] 0 d 1 J 1 j 3 M 122 327.9986328125 m 348.27734375 327.9986328125 l s q 0 0 0 rg BT 122.00 329.90 Td (James ) Tj ET Q q 0 0 0 rg BT 162.70 329.90 Td (N. ) Tj ET Q q 0 0 0 rg BT 177.82 329.90 Td (Y) Tj ET Q q 0 0 0 rg BT 184.93 329.90 Td (oung, ) Tj ET Q q 0 0 0 rg BT 220.92 329.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 254.25 329.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 309.60 329.90 Td (Officer) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 315.50 Td (James ) Tj ET Q q 0 0 0 rg BT 162.89 315.50 Td (Y) Tj ET Q q 0 0 0 rg BT 169.79 315.50 Td (oung ) Tj ET Q q 0 0 0 rg BT 202.42 315.50 Td (was ) Tj ET Q q 0 0 0 rg BT 229.69 315.50 Td (named ) Tj ET Q q 0 0 0 rg BT 272.32 315.50 Td (Chief ) Tj ET Q q 0 0 0 rg BT 306.26 315.50 Td (Financial ) Tj ET Q q 0 0 0 rg BT 360.22 315.50 Td (Of) Tj ET Q q 0 0 0 rg BT 372.67 315.50 Td (ficer ) Tj ET Q q 0 0 0 rg BT 401.27 315.50 Td (of ) Tj ET Q q 0 0 0 rg BT 416.03 315.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 441.30 315.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 474.58 315.50 Td (in ) Tj ET Q q 0 0 0 rg BT 488.68 315.50 Td (August ) Tj ET Q q 0 0 0 rg BT 531.97 315.50 Td (2013. ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 301.10 Td (Previously ) Tj ET Q q 0 0 0 rg BT 180.95 301.10 Td (Y) Tj ET Q q 0 0 0 rg BT 187.85 301.10 Td (oung ) Tj ET Q q 0 0 0 rg BT 218.39 301.10 Td (served ) Tj ET Q q 0 0 0 rg BT 258.25 301.10 Td (as ) Tj ET Q q 0 0 0 rg BT 274.77 301.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 306.63 301.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 358.50 301.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 414.37 301.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.46 301.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 450.64 301.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 481.84 301.10 Td (from ) Tj ET Q q 0 0 0 rg BT 509.68 301.10 Td (May ) Tj ET Q q 0 0 0 rg BT 536.20 301.10 Td (201) Tj ET Q q 0 0 0 rg BT 555.33 301.10 Td (1 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 286.70 Td (until ) Tj ET Q q 0 0 0 rg BT 146.95 286.70 Td (his ) Tj ET Q q 0 0 0 rg BT 165.22 286.70 Td (appointment ) Tj ET Q q 0 0 0 rg BT 234.20 286.70 Td (as ) Tj ET Q q 0 0 0 rg BT 249.81 286.70 Td (Chief ) Tj ET Q q 0 0 0 rg BT 280.76 286.70 Td (Financial ) Tj ET Q q 0 0 0 rg BT 331.71 286.70 Td (Of) Tj ET Q q 0 0 0 rg BT 344.16 286.70 Td (ficer) Tj ET Q q 0 0 0 rg BT 366.17 286.70 Td (. ) Tj ET Q q 0 0 0 rg BT 372.44 286.70 Td ( ) Tj ET Q q 0 0 0 rg BT 375.37 286.70 Td (In ) Tj ET Q q 0 0 0 rg BT 388.31 286.70 Td (this ) Tj ET Q q 0 0 0 rg BT 409.92 286.70 Td (role, ) Tj ET Q q 0 0 0 rg BT 436.20 286.70 Td (he ) Tj ET Q q 0 0 0 rg BT 452.48 286.70 Td (is ) Tj ET Q q 0 0 0 rg BT 464.08 286.70 Td (responsible ) Tj ET Q q 0 0 0 rg BT 528.38 286.70 Td (for ) Tj ET Q q 0 0 0 rg BT 545.32 286.70 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 272.30 Td (oversight ) Tj ET Q q 0 0 0 rg BT 175.02 272.30 Td (of ) Tj ET Q q 0 0 0 rg BT 189.35 272.30 Td (all ) Tj ET Q q 0 0 0 rg BT 205.68 272.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 248.70 272.30 Td (and ) Tj ET Q q 0 0 0 rg BT 273.05 272.30 Td (treasury ) Tj ET Q q 0 0 0 rg BT 320.72 272.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 371.06 272.30 Td (of ) Tj ET Q q 0 0 0 rg BT 384.53 272.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 408.19 272.30 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 443.21 272.30 Td ( ) Tj ET Q q 0 0 0 rg BT 447.53 272.30 Td (He ) Tj ET Q q 0 0 0 rg BT 467.20 272.30 Td (joined ) Tj ET Q q 0 0 0 rg BT 502.69 272.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 526.35 272.30 Td (Bank's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 257.90 Td (Board ) Tj ET Q q 0 0 0 rg BT 157.50 257.90 Td (of ) Tj ET Q q 0 0 0 rg BT 170.99 257.90 Td (Directors ) Tj ET Q q 0 0 0 rg BT 222.48 257.90 Td (in ) Tj ET Q q 0 0 0 rg BT 235.30 257.90 Td (November ) Tj ET Q q 0 0 0 rg BT 294.14 257.90 Td (2013. ) Tj ET Q q 0 0 0 rg BT 327.65 257.90 Td ( ) Tj ET Q q 0 0 0 rg BT 331.13 257.90 Td (Previously ) Tj ET Q q 0 0 0 rg BT 389.74 257.90 Td (Y) Tj ET Q q 0 0 0 rg BT 396.64 257.90 Td (oung ) Tj ET Q q 0 0 0 rg BT 426.82 257.90 Td (served ) Tj ET Q q 0 0 0 rg BT 466.32 257.90 Td (as ) Tj ET Q q 0 0 0 rg BT 482.48 257.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 513.97 257.90 Td (Financial ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 243.50 Td (Of) Tj ET Q q 0 0 0 rg BT 134.45 243.50 Td (ficer ) Tj ET Q q 0 0 0 rg BT 158.88 243.50 Td (for ) Tj ET Q q 0 0 0 rg BT 174.64 243.50 Td (the ) Tj ET Q q 0 0 0 rg BT 193.08 243.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 245.53 243.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 303.32 243.50 Td (of ) Tj ET Q q 0 0 0 rg BT 314.74 243.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 335.16 243.50 Td (and ) Tj ET Q q 0 0 0 rg BT 356.94 243.50 Td (ResCap. ) Tj ET Q q 0 0 0 rg BT 405.38 243.50 Td ( ) Tj ET Q q 0 0 0 rg BT 407.14 243.50 Td (In ) Tj ET Q q 0 0 0 rg BT 418.90 243.50 Td (that ) Tj ET Q q 0 0 0 rg BT 440.68 243.50 Td (role ) Tj ET Q q 0 0 0 rg BT 462.44 243.50 Td (he ) Tj ET Q q 0 0 0 rg BT 477.55 243.50 Td (was ) Tj ET Q q 0 0 0 rg BT 500.64 243.50 Td (responsible ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 229.10 Td (for ) Tj ET Q q 0 0 0 rg BT 141.01 229.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 190.05 229.10 Td (oversight, ) Tj ET Q q 0 0 0 rg BT 247.09 229.10 Td (analysis, ) Tj ET Q q 0 0 0 rg BT 298.79 229.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 345.82 229.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.85 229.10 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 426.55 229.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 489.61 229.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.64 229.10 Td (business ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 214.70 Td (planning ) Tj ET Q q 0 0 0 rg BT 170.17 214.70 Td (for ) Tj ET Q q 0 0 0 rg BT 186.97 214.70 Td (the ) Tj ET Q q 0 0 0 rg BT 206.44 214.70 Td (company's ) Tj ET Q q 0 0 0 rg BT 266.22 214.70 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 360.39 214.70 Td (operations. ) Tj ET Q q 0 0 0 rg BT 422.56 214.70 Td ( ) Tj ET Q q 0 0 0 rg BT 425.17 214.70 Td (Y) Tj ET Q q 0 0 0 rg BT 432.07 214.70 Td (oung ) Tj ET Q q 0 0 0 rg BT 461.56 214.70 Td (also ) Tj ET Q q 0 0 0 rg BT 486.37 214.70 Td (held ) Tj ET Q q 0 0 0 rg BT 511.85 214.70 Td (a ) Tj ET Q q 0 0 0 rg BT 521.32 214.70 Td (number ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 200.30 Td (of ) Tj ET Q q 0 0 0 rg BT 138.54 200.30 Td (other ) Tj ET Q q 0 0 0 rg BT 172.43 200.30 Td (leadership ) Tj ET Q q 0 0 0 rg BT 234.33 200.30 Td (roles ) Tj ET Q q 0 0 0 rg BT 266.88 200.30 Td (at ) Tj ET Q q 0 0 0 rg BT 283.42 200.30 Td (ResCap, ) Tj ET Q q 0 0 0 rg BT 336.64 200.30 Td (including ) Tj ET Q q 0 0 0 rg BT 390.55 200.30 Td (Deputy ) Tj ET Q q 0 0 0 rg BT 435.10 200.30 Td (Chief ) Tj ET Q q 0 0 0 rg BT 469.65 200.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 524.21 200.30 Td (Of) Tj ET Q q 0 0 0 rg BT 536.66 200.30 Td (ficer) Tj ET Q q 0 0 0 rg BT 558.67 200.30 Td (, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 185.90 Td (Residential ) Tj ET Q q 0 0 0 rg BT 186.54 185.90 Td (Finance ) Tj ET Q q 0 0 0 rg BT 234.41 185.90 Td (Group ) Tj ET Q q 0 0 0 rg BT 272.94 185.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 306.13 185.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 359.33 185.90 Td (Of) Tj ET Q q 0 0 0 rg BT 371.78 185.90 Td (ficer) Tj ET Q q 0 0 0 rg BT 393.79 185.90 Td (, ) Tj ET Q q 0 0 0 rg BT 402.30 185.90 Td (Chief ) Tj ET Q q 0 0 0 rg BT 434.46 185.90 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 499.01 185.90 Td (Of) Tj ET Q q 0 0 0 rg BT 511.46 185.90 Td (ficer) Tj ET Q q 0 0 0 rg BT 533.47 185.90 Td (, ) Tj ET Q q 0 0 0 rg BT 541.98 185.90 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 122.00 171.50 Td (Controller) Tj ET Q q 0 0 0 rg BT 173.36 171.50 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 135.30 Td (I.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 56.67 135.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 135.30 Td (Resolution Planning Corporate Governance Structure and Processes Related to ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 120.90 Td (Resolution Planning) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 94.50 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 94.50 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 94.50 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 146.67 94.50 Td (Governance ) Tj ET Q q 0 0 0 rg BT 219.37 94.50 Td (and ) Tj ET Q q 0 0 0 rg BT 244.04 94.50 Td (Oversight) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 68.10 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 107.31 68.10 Td (governance ) Tj ET Q q 0 0 0 rg BT 173.98 68.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.95 68.10 Td (management ) Tj ET Q q 0 0 0 rg BT 271.95 68.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 324.59 68.10 Td (are ) Tj ET Q q 0 0 0 rg BT 345.89 68.10 Td (fundamental ) Tj ET Q q 0 0 0 rg BT 415.89 68.10 Td (to ) Tj ET Q q 0 0 0 rg BT 429.06 68.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 460.64 68.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 516.63 68.10 Td (planning ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 53.70 Td (process, ) Tj ET Q q 0 0 0 rg BT 99.34 53.70 Td (and ) Tj ET Q q 0 0 0 rg BT 123.35 53.70 Td (are ) Tj ET Q q 0 0 0 rg BT 144.69 53.70 Td (conducted ) Tj ET Q q 0 0 0 rg BT 204.05 53.70 Td (through ) Tj ET Q q 0 0 0 rg BT 248.74 53.70 Td (a ) Tj ET Q q 0 0 0 rg BT 259.41 53.70 Td (network ) Tj ET Q q 0 0 0 rg BT 305.42 53.70 Td (that ) Tj ET Q q 0 0 0 rg BT 329.42 53.70 Td (includes ) Tj ET Q q 0 0 0 rg BT 377.44 53.70 Td (the ) Tj ET Q q 0 0 0 rg BT 398.11 53.70 Td (Boards ) Tj ET Q q 0 0 0 rg BT 440.12 53.70 Td (of ) Tj ET Q q 0 0 0 rg BT 454.12 53.70 Td (Directors ) Tj ET Q q 0 0 0 rg BT 506.12 53.70 Td (of ) Tj ET Q q 0 0 0 rg BT 519.32 53.70 Td (AFI ) Tj ET Q q 0 0 0 rg BT 541.98 53.70 Td (and ) Tj ET Q endstream endobj 53 0 obj <> endobj 54 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (26) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.05 740.30 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 105.44 740.30 Td (Board ) Tj ET Q q 0 0 0 rg BT 140.17 740.30 Td (committees, ) Tj ET Q q 0 0 0 rg BT 207.57 740.30 Td (senior ) Tj ET Q q 0 0 0 rg BT 242.96 740.30 Td (management ) Tj ET Q q 0 0 0 rg BT 315.71 740.30 Td (committees, ) Tj ET Q q 0 0 0 rg BT 383.11 740.30 Td (management ) Tj ET Q q 0 0 0 rg BT 455.86 740.30 Td (councils, ) Tj ET Q q 0 0 0 rg BT 505.26 740.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 533.32 740.30 Td (entity ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (and ) Tj ET Q q 0 0 0 rg BT 74.72 725.90 Td (business ) Tj ET Q q 0 0 0 rg BT 126.77 725.90 Td (line ) Tj ET Q q 0 0 0 rg BT 150.15 725.90 Td (management, ) Tj ET Q q 0 0 0 rg BT 228.22 725.90 Td (and ) Tj ET Q q 0 0 0 rg BT 252.94 725.90 Td (key ) Tj ET Q q 0 0 0 rg BT 276.30 725.90 Td (functions. ) Tj ET Q q 0 0 0 rg BT 332.36 725.90 Td ( ) Tj ET Q q 0 0 0 rg BT 337.06 725.90 Td (Governance ) Tj ET Q q 0 0 0 rg BT 407.12 725.90 Td (and ) Tj ET Q q 0 0 0 rg BT 431.84 725.90 Td (oversight ) Tj ET Q q 0 0 0 rg BT 485.23 725.90 Td (begin ) Tj ET Q q 0 0 0 rg BT 519.28 725.90 Td (with ) Tj ET Q q 0 0 0 rg BT 545.32 725.90 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 711.50 Td (Boards ) Tj ET Q q 0 0 0 rg BT 91.70 711.50 Td (of ) Tj ET Q q 0 0 0 rg BT 105.39 711.50 Td (Directors ) Tj ET Q q 0 0 0 rg BT 157.08 711.50 Td (of ) Tj ET Q q 0 0 0 rg BT 170.04 711.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 192.39 711.50 Td (and ) Tj ET Q q 0 0 0 rg BT 215.36 711.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 238.38 711.50 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 272.75 711.50 Td (which ) Tj ET Q q 0 0 0 rg BT 307.11 711.50 Td (serve, ) Tj ET Q q 0 0 0 rg BT 343.47 711.50 Td (both ) Tj ET Q q 0 0 0 rg BT 370.51 711.50 Td (directly ) Tj ET Q q 0 0 0 rg BT 412.20 711.50 Td (and ) Tj ET Q q 0 0 0 rg BT 435.90 711.50 Td (through ) Tj ET Q q 0 0 0 rg BT 480.29 711.50 Td (their ) Tj ET Q q 0 0 0 rg BT 507.31 711.50 Td (respective ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 77.48 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 101.65 697.10 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 169.16 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.33 697.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 220.81 697.10 Td (Committees, ) Tj ET Q q 0 0 0 rg BT 292.31 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 309.13 697.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 348.63 697.10 Td (Champions ) Tj ET Q q 0 0 0 rg BT 421.46 697.10 Td (for ) Tj ET Q q 0 0 0 rg BT 439.61 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.44 697.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 516.62 697.10 Td (planning ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 682.70 Td (process:) Tj ET Q /GS0 gs q 512.00 0 0 353.75 50.00 311.95 cm /I1 Do Q BT /F2 10.00 Tf ET BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 285.55 Td (Other ) Tj ET Q q 0 0 0 rg BT 87.92 285.55 Td (management ) Tj ET Q q 0 0 0 rg BT 165.87 285.55 Td (committees ) Tj ET Q q 0 0 0 rg BT 235.13 285.55 Td (and ) Tj ET Q q 0 0 0 rg BT 263.06 285.55 Td (councils ) Tj ET Q q 0 0 0 rg BT 314.32 285.55 Td (involved ) Tj ET Q q 0 0 0 rg BT 366.25 285.55 Td (in ) Tj ET Q q 0 0 0 rg BT 383.50 285.55 Td (the ) Tj ET Q q 0 0 0 rg BT 408.09 285.55 Td (governance, ) Tj ET Q q 0 0 0 rg BT 482.05 285.55 Td (oversight, ) Tj ET Q q 0 0 0 rg BT 541.98 285.55 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 271.15 Td (development ) Tj ET Q q 0 0 0 rg BT 122.05 271.15 Td (of ) Tj ET Q q 0 0 0 rg BT 135.39 271.15 Td (the ) Tj ET Q q 0 0 0 rg BT 155.40 271.15 Td (Plans ) Tj ET Q q 0 0 0 rg BT 188.76 271.15 Td (include ) Tj ET Q q 0 0 0 rg BT 230.12 271.15 Td (the ) Tj ET Q q 0 0 0 rg BT 250.13 271.15 Td (following ) Tj ET Q q 0 0 0 rg BT 300.16 271.15 Td (committees ) Tj ET Q q 0 0 0 rg BT 364.84 271.15 Td (and ) Tj ET Q q 0 0 0 rg BT 388.20 271.15 Td (councils ) Tj ET Q q 0 0 0 rg BT 434.88 271.15 Td (at ) Tj ET Q q 0 0 0 rg BT 447.56 271.15 Td (AFI ) Tj ET Q q 0 0 0 rg BT 469.57 271.15 Td (and ) Tj ET Q q 0 0 0 rg BT 492.26 271.15 Td (Ally ) Tj ET Q q 0 0 0 rg BT 514.93 271.15 Td (Bank:) Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 50 243.0390625 m 271.97216796875 243.0390625 l s q 0 0 0 rg BT 50.00 244.75 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 109.99 244.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 138.62 244.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 213.96 244.75 Td (Committee) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 271.97 244.75 Td ( ) Tj ET Q q 0 0 0 rg BT 277.27 244.75 Td (\(E) Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 293.265625 243.0390625 m 320.59375 243.0390625 l s q 0 0 0 rg BT 293.27 244.75 Td (RMC) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 320.59 244.75 Td (\). ) Tj ET Q q 0 0 0 rg BT 337.22 244.75 Td ( ) Tj ET Q q 0 0 0 rg BT 341.46 244.75 Td (As ) Tj ET Q q 0 0 0 rg BT 360.76 244.75 Td (the ) Tj ET Q q 0 0 0 rg BT 382.74 244.75 Td (most ) Tj ET Q q 0 0 0 rg BT 414.04 244.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 452.02 244.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 475.98 244.75 Td (and ) Tj ET Q q 0 0 0 rg BT 501.30 244.75 Td (compliance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 230.35 Td (management ) Tj ET Q q 0 0 0 rg BT 123.87 230.35 Td (committee ) Tj ET Q q 0 0 0 rg BT 183.04 230.35 Td (at ) Tj ET Q q 0 0 0 rg BT 196.11 230.35 Td (AFI, ) Tj ET Q q 0 0 0 rg BT 221.93 230.35 Td (the ) Tj ET Q q 0 0 0 rg BT 242.43 230.35 Td (ERMC ) Tj ET Q q 0 0 0 rg BT 281.59 230.35 Td (oversees ) Tj ET Q q 0 0 0 rg BT 334.10 230.35 Td (the ) Tj ET Q q 0 0 0 rg BT 354.61 230.35 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 427.79 230.35 Td (of ) Tj ET Q q 0 0 0 rg BT 441.62 230.35 Td (senior ) Tj ET Q q 0 0 0 rg BT 478.13 230.35 Td (management ) Tj ET Q q 0 0 0 rg BT 551.99 230.35 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 215.95 Td (manage ) Tj ET Q q 0 0 0 rg BT 97.55 215.95 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 130.41 215.95 Td (risk ) Tj ET Q q 0 0 0 rg BT 154.30 215.95 Td (profile ) Tj ET Q q 0 0 0 rg BT 192.21 215.95 Td (within ) Tj ET Q q 0 0 0 rg BT 228.11 215.95 Td (the ) Tj ET Q q 0 0 0 rg BT 250.02 215.95 Td (appetite ) Tj ET Q q 0 0 0 rg BT 297.95 215.95 Td (and ) Tj ET Q q 0 0 0 rg BT 323.20 215.95 Td (tolerances ) Tj ET Q q 0 0 0 rg BT 383.79 215.95 Td (set ) Tj ET Q q 0 0 0 rg BT 405.02 215.95 Td (by ) Tj ET Q q 0 0 0 rg BT 422.92 215.95 Td (the ) Tj ET Q q 0 0 0 rg BT 444.83 215.95 Td (Risk ) Tj ET Q q 0 0 0 rg BT 473.39 215.95 Td (and ) Tj ET Q q 0 0 0 rg BT 498.64 215.95 Td (Compliance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 201.55 Td (Committee ) Tj ET Q q 0 0 0 rg BT 111.47 201.55 Td (of ) Tj ET Q q 0 0 0 rg BT 124.93 201.55 Td (the ) Tj ET Q q 0 0 0 rg BT 144.38 201.55 Td (AFI ) Tj ET Q q 0 0 0 rg BT 166.50 201.55 Td (Board ) Tj ET Q q 0 0 0 rg BT 201.98 201.55 Td (of ) Tj ET Q q 0 0 0 rg BT 215.44 201.55 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 270.24 201.55 Td ( ) Tj ET Q q 0 0 0 rg BT 273.69 201.55 Td (In ) Tj ET Q q 0 0 0 rg BT 287.15 201.55 Td (addition, ) Tj ET Q q 0 0 0 rg BT 335.98 201.55 Td (the ) Tj ET Q q 0 0 0 rg BT 356.11 201.55 Td (ERMC ) Tj ET Q q 0 0 0 rg BT 394.90 201.55 Td (oversees ) Tj ET Q q 0 0 0 rg BT 447.05 201.55 Td (the ) Tj ET Q q 0 0 0 rg BT 467.18 201.55 Td (implementation ) Tj ET Q q 0 0 0 rg BT 552.01 201.55 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 187.15 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 80.96 187.15 Td (risk ) Tj ET Q q 0 0 0 rg BT 102.96 187.15 Td (and ) Tj ET Q q 0 0 0 rg BT 126.31 187.15 Td (compliance ) Tj ET Q q 0 0 0 rg BT 190.34 187.15 Td (programs, ) Tj ET Q q 0 0 0 rg BT 247.70 187.15 Td (including ) Tj ET Q q 0 0 0 rg BT 298.40 187.15 Td (the ) Tj ET Q q 0 0 0 rg BT 318.41 187.15 Td (resolution ) Tj ET Q q 0 0 0 rg BT 373.78 187.15 Td (planning ) Tj ET Q q 0 0 0 rg BT 422.49 187.15 Td (process.) Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 50 159.0390625 m 202.845703125 159.0390625 l s q 0 0 0 rg BT 50.00 160.75 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 117.43 160.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 144.83 160.75 Td (Committee) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 202.85 160.75 Td ( ) Tj ET Q q 0 0 0 rg BT 206.91 160.75 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 214.90625 159.0390625 m 240.904296875 159.0390625 l s q 0 0 0 rg BT 214.91 160.75 Td (CRC) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 240.90 160.75 Td (\). ) Tj ET Q q 0 0 0 rg BT 256.30 160.75 Td ( ) Tj ET Q q 0 0 0 rg BT 260.10 160.75 Td (The ) Tj ET Q q 0 0 0 rg BT 284.85 160.75 Td (CRC ) Tj ET Q q 0 0 0 rg BT 314.92 160.75 Td (is ) Tj ET Q q 0 0 0 rg BT 327.65 160.75 Td (a ) Tj ET Q q 0 0 0 rg BT 338.39 160.75 Td (subcommittee ) Tj ET Q q 0 0 0 rg BT 417.16 160.75 Td (of ) Tj ET Q q 0 0 0 rg BT 431.23 160.75 Td (the ) Tj ET Q q 0 0 0 rg BT 451.98 160.75 Td (ERMC. ) Tj ET Q q 0 0 0 rg BT 494.72 160.75 Td ( ) Tj ET Q q 0 0 0 rg BT 498.52 160.75 Td (The ) Tj ET Q q 0 0 0 rg BT 523.27 160.75 Td (CRC ) Tj ET Q q 0 0 0 rg BT 553.33 160.75 Td (is ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 146.35 Td (responsible ) Tj ET Q q 0 0 0 rg BT 114.41 146.35 Td (for ) Tj ET Q q 0 0 0 rg BT 131.45 146.35 Td (oversight ) Tj ET Q q 0 0 0 rg BT 183.18 146.35 Td (of ) Tj ET Q q 0 0 0 rg BT 195.62 146.35 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 226.29 146.35 Td (compliance ) Tj ET Q q 0 0 0 rg BT 290.02 146.35 Td (risk ) Tj ET Q q 0 0 0 rg BT 311.72 146.35 Td (management ) Tj ET Q q 0 0 0 rg BT 384.80 146.35 Td (strategy ) Tj ET Q q 0 0 0 rg BT 430.52 146.35 Td (and ) Tj ET Q q 0 0 0 rg BT 453.58 146.35 Td (compliance ) Tj ET Q q 0 0 0 rg BT 517.32 146.35 Td (program ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 131.95 Td (implementation ) Tj ET Q q 0 0 0 rg BT 133.08 131.95 Td (and ) Tj ET Q q 0 0 0 rg BT 154.81 131.95 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 225.23 131.95 Td (ef) Tj ET Q q 0 0 0 rg BT 235.02 131.95 Td (forts. ) Tj ET Q q 0 0 0 rg BT 263.40 131.95 Td ( ) Tj ET Q q 0 0 0 rg BT 264.99 131.95 Td (The ) Tj ET Q q 0 0 0 rg BT 287.38 131.95 Td (CRC ) Tj ET Q q 0 0 0 rg BT 315.08 131.95 Td (is ) Tj ET Q q 0 0 0 rg BT 325.45 131.95 Td (enterprise-wide, ) Tj ET Q q 0 0 0 rg BT 412.53 131.95 Td (covering ) Tj ET Q q 0 0 0 rg BT 459.59 131.95 Td (compliance ) Tj ET Q q 0 0 0 rg BT 522.00 131.95 Td (matters ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 117.55 Td (emanating ) Tj ET Q q 0 0 0 rg BT 109.66 117.55 Td (from ) Tj ET Q q 0 0 0 rg BT 136.57 117.55 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 167.82 117.55 Td (business ) Tj ET Q q 0 0 0 rg BT 218.80 117.55 Td (lines, ) Tj ET Q q 0 0 0 rg BT 250.44 117.55 Td (legal ) Tj ET Q q 0 0 0 rg BT 279.42 117.55 Td (entities, ) Tj ET Q q 0 0 0 rg BT 324.40 117.55 Td (and ) Tj ET Q q 0 0 0 rg BT 348.04 117.55 Td (global ) Tj ET Q q 0 0 0 rg BT 383.69 117.55 Td (functions, ) Tj ET Q q 0 0 0 rg BT 438.68 117.55 Td (including ) Tj ET Q q 0 0 0 rg BT 489.67 117.55 Td (the ) Tj ET Q q 0 0 0 rg BT 509.97 117.55 Td (resolution ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 103.15 Td (planning ) Tj ET Q q 0 0 0 rg BT 98.71 103.15 Td (process.) Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 50 75.0390625 m 210.7392578125 75.0390625 l s q 0 0 0 rg BT 50.00 76.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 78.01 76.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 152.73 76.75 Td (Committee) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 210.74 76.75 Td ( ) Tj ET Q q 0 0 0 rg BT 215.41 76.75 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 223.40673828125 75.0390625 m 250.73486328125 75.0390625 l s q 0 0 0 rg BT 223.41 76.75 Td (RMC) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 250.73 76.75 Td (\). ) Tj ET Q q 0 0 0 rg BT 266.74 76.75 Td ( ) Tj ET Q q 0 0 0 rg BT 270.48 76.75 Td (As ) Tj ET Q q 0 0 0 rg BT 289.16 76.75 Td (the ) Tj ET Q q 0 0 0 rg BT 310.52 76.75 Td (most ) Tj ET Q q 0 0 0 rg BT 341.20 76.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 378.56 76.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 401.90 76.75 Td (and ) Tj ET Q q 0 0 0 rg BT 426.59 76.75 Td (compliance ) Tj ET Q q 0 0 0 rg BT 491.96 76.75 Td (management ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 62.35 Td (committee ) Tj ET Q q 0 0 0 rg BT 107.98 62.35 Td (at ) Tj ET Q q 0 0 0 rg BT 120.09 62.35 Td (Ally ) Tj ET Q q 0 0 0 rg BT 142.06 62.35 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 175.38 62.35 Td (the ) Tj ET Q q 0 0 0 rg BT 194.69 62.35 Td (RMC ) Tj ET Q q 0 0 0 rg BT 224.65 62.35 Td (oversees ) Tj ET Q q 0 0 0 rg BT 275.97 62.35 Td (the ) Tj ET Q q 0 0 0 rg BT 295.28 62.35 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 367.28 62.35 Td (of ) Tj ET Q q 0 0 0 rg BT 379.92 62.35 Td (senior ) Tj ET Q q 0 0 0 rg BT 415.23 62.35 Td (management ) Tj ET Q q 0 0 0 rg BT 487.91 62.35 Td (to ) Tj ET Q q 0 0 0 rg BT 500.54 62.35 Td (monitor ) Tj ET Q q 0 0 0 rg BT 542.67 62.35 Td (Ally ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 47.95 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 89.13 47.95 Td (risk ) Tj ET Q q 0 0 0 rg BT 111.28 47.95 Td (profile ) Tj ET Q q 0 0 0 rg BT 147.44 47.95 Td (within ) Tj ET Q q 0 0 0 rg BT 181.61 47.95 Td (the ) Tj ET Q q 0 0 0 rg BT 201.78 47.95 Td (authorities ) Tj ET Q q 0 0 0 rg BT 260.63 47.95 Td (and ) Tj ET Q q 0 0 0 rg BT 284.13 47.95 Td (tolerances ) Tj ET Q q 0 0 0 rg BT 342.98 47.95 Td (established ) Tj ET Q q 0 0 0 rg BT 407.18 47.95 Td (by ) Tj ET Q q 0 0 0 rg BT 423.34 47.95 Td (the ) Tj ET Q q 0 0 0 rg BT 443.50 47.95 Td (Risk ) Tj ET Q q 0 0 0 rg BT 470.32 47.95 Td (Committee ) Tj ET Q q 0 0 0 rg BT 531.82 47.95 Td (of ) Tj ET Q q 0 0 0 rg BT 545.31 47.95 Td (the ) Tj ET Q endstream endobj 55 0 obj <> endobj 56 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (27) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 740.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.00 740.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 102.02 740.30 Td (Board ) Tj ET Q q 0 0 0 rg BT 136.71 740.30 Td (of ) Tj ET Q q 0 0 0 rg BT 149.39 740.30 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 203.40 740.30 Td ( ) Tj ET Q q 0 0 0 rg BT 206.06 740.30 Td (In ) Tj ET Q q 0 0 0 rg BT 218.74 740.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 266.78 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 286.13 740.30 Td (RMC ) Tj ET Q q 0 0 0 rg BT 316.12 740.30 Td (oversees ) Tj ET Q q 0 0 0 rg BT 367.48 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 386.83 740.30 Td (implementation ) Tj ET Q q 0 0 0 rg BT 470.88 740.30 Td (of ) Tj ET Q q 0 0 0 rg BT 483.02 740.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 505.02 740.30 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 543.34 740.30 Td (risk ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 725.90 Td (and ) Tj ET Q q 0 0 0 rg BT 73.36 725.90 Td (compliance ) Tj ET Q q 0 0 0 rg BT 137.39 725.90 Td (programs, ) Tj ET Q q 0 0 0 rg BT 194.74 725.90 Td (including ) Tj ET Q q 0 0 0 rg BT 245.44 725.90 Td (the ) Tj ET Q q 0 0 0 rg BT 265.46 725.90 Td (resolution ) Tj ET Q q 0 0 0 rg BT 320.82 725.90 Td (planning ) Tj ET Q q 0 0 0 rg BT 369.53 725.90 Td (process.) Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 50 697.7890625 m 367.802734375 697.7890625 l s q 0 0 0 rg BT 50.00 699.50 Td (Dodd-Frank/Resolution ) Tj ET Q q 0 0 0 rg BT 177.64 699.50 Td (Planning ) Tj ET Q q 0 0 0 rg BT 228.59 699.50 Td (Program ) Tj ET Q q 0 0 0 rg BT 278.84 699.50 Td (Steering ) Tj ET Q q 0 0 0 rg BT 327.78 699.50 Td (Council) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 367.80 699.50 Td ( ) Tj ET Q q 0 0 0 rg BT 372.05 699.50 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 380.0390625 697.7890625 m 524.37109375 697.7890625 l s q 0 0 0 rg BT 380.04 699.50 Td (DF) Tj ET Q q 0 0 0 rg BT 395.37 699.50 Td (A/RPP) Tj ET Q q 0 0 0 rg BT 431.17 699.50 Td ( ) Tj ET Q q 0 0 0 rg BT 435.41 699.50 Td (Steering ) Tj ET Q q 0 0 0 rg BT 484.35 699.50 Td (Council) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 524.37 699.50 Td (\). ) Tj ET Q q 0 0 0 rg BT 539.94 699.50 Td ( ) Tj ET Q q 0 0 0 rg BT 543.34 699.50 Td (AFI ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 72.40 685.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 94.69 685.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 125.01 685.10 Td (jointly ) Tj ET Q q 0 0 0 rg BT 158.65 685.10 Td (established ) Tj ET Q q 0 0 0 rg BT 222.32 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.97 685.10 Td (DF) Tj ET Q q 0 0 0 rg BT 257.30 685.10 Td (A/RPP) Tj ET Q q 0 0 0 rg BT 293.10 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 296.06 685.10 Td (Steering ) Tj ET Q q 0 0 0 rg BT 343.72 685.10 Td (Council ) Tj ET Q q 0 0 0 rg BT 386.70 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 399.67 685.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 441.99 685.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 490.31 685.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 541.98 685.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 670.70 Td (oversight ) Tj ET Q q 0 0 0 rg BT 102.57 670.70 Td (for ) Tj ET Q q 0 0 0 rg BT 120.44 670.70 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 186.91 670.70 Td (Act ) Tj ET Q q 0 0 0 rg BT 208.12 670.70 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 276.02 670.70 Td (including ) Tj ET Q q 0 0 0 rg BT 327.27 670.70 Td (the ) Tj ET Q q 0 0 0 rg BT 347.82 670.70 Td (resolution ) Tj ET Q q 0 0 0 rg BT 403.73 670.70 Td (planning ) Tj ET Q q 0 0 0 rg BT 452.98 670.70 Td (process. ) Tj ET Q q 0 0 0 rg BT 502.20 670.70 Td ( ) Tj ET Q q 0 0 0 rg BT 506.08 670.70 Td (In ) Tj ET Q q 0 0 0 rg BT 519.96 670.70 Td (addition ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 656.30 Td (to ) Tj ET Q q 0 0 0 rg BT 63.30 656.30 Td (its ) Tj ET Q q 0 0 0 rg BT 78.60 656.30 Td (general ) Tj ET Q q 0 0 0 rg BT 121.92 656.30 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 187.92 656.30 Td (Act ) Tj ET Q q 0 0 0 rg BT 208.55 656.30 Td (compliance ) Tj ET Q q 0 0 0 rg BT 272.55 656.30 Td (activities, ) Tj ET Q q 0 0 0 rg BT 325.19 656.30 Td (the ) Tj ET Q q 0 0 0 rg BT 345.17 656.30 Td (DF) Tj ET Q q 0 0 0 rg BT 360.50 656.30 Td (A/RPP) Tj ET Q q 0 0 0 rg BT 396.29 656.30 Td ( ) Tj ET Q q 0 0 0 rg BT 399.59 656.30 Td (Steering ) Tj ET Q q 0 0 0 rg BT 447.58 656.30 Td (Council ) Tj ET Q q 0 0 0 rg BT 490.89 656.30 Td (reviews ) Tj ET Q q 0 0 0 rg BT 534.21 656.30 Td (Ally) Tj ET Q q 0 0 0 rg BT 556.00 656.30 Td (s ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (progress ) Tj ET Q q 0 0 0 rg BT 100.86 641.90 Td (towards ) Tj ET Q q 0 0 0 rg BT 147.05 641.90 Td (meeting ) Tj ET Q q 0 0 0 rg BT 193.91 641.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 251.45 641.90 Td (compliance ) Tj ET Q q 0 0 0 rg BT 316.32 641.90 Td (deadlines ) Tj ET Q q 0 0 0 rg BT 371.86 641.90 Td (for ) Tj ET Q q 0 0 0 rg BT 390.04 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 410.89 641.90 Td (resolution ) Tj ET Q q 0 0 0 rg BT 467.10 641.90 Td (planning ) Tj ET Q q 0 0 0 rg BT 516.65 641.90 Td (process, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 627.50 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 104.25 627.50 Td (risks ) Tj ET Q q 0 0 0 rg BT 131.79 627.50 Td (to ) Tj ET Q q 0 0 0 rg BT 144.11 627.50 Td (Ally) Tj ET Q q 0 0 0 rg BT 165.90 627.50 Td (s ) Tj ET Q q 0 0 0 rg BT 174.78 627.50 Td (compliance ) Tj ET Q q 0 0 0 rg BT 238.36 627.50 Td (with ) Tj ET Q q 0 0 0 rg BT 262.58 627.50 Td (the ) Tj ET Q q 0 0 0 rg BT 282.14 627.50 Td (Rules, ) Tj ET Q q 0 0 0 rg BT 319.04 627.50 Td (provides ) Tj ET Q q 0 0 0 rg BT 367.27 627.50 Td (guidance ) Tj ET Q q 0 0 0 rg BT 418.86 627.50 Td (for ) Tj ET Q q 0 0 0 rg BT 435.75 627.50 Td (the ) Tj ET Q q 0 0 0 rg BT 455.31 627.50 Td (scope ) Tj ET Q q 0 0 0 rg BT 490.22 627.50 Td (of ) Tj ET Q q 0 0 0 rg BT 503.10 627.50 Td (activities ) Tj ET Q q 0 0 0 rg BT 552.00 627.50 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (be ) Tj ET Q q 0 0 0 rg BT 66.25 613.10 Td (pursued ) Tj ET Q q 0 0 0 rg BT 112.52 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 124.76 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.34 613.10 Td (course ) Tj ET Q q 0 0 0 rg BT 183.26 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.17 613.10 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 263.11 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 286.03 613.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 334.95 613.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 389.22 613.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 435.47 613.10 Td (for ) Tj ET Q q 0 0 0 rg BT 452.38 613.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 515.98 613.10 Td (activities ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (related ) Tj ET Q q 0 0 0 rg BT 90.03 598.70 Td (to ) Tj ET Q q 0 0 0 rg BT 103.37 598.70 Td (the ) Tj ET Q q 0 0 0 rg BT 123.38 598.70 Td (resolution ) Tj ET Q q 0 0 0 rg BT 178.75 598.70 Td (planning ) Tj ET Q q 0 0 0 rg BT 227.46 598.70 Td (process.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 572.30 Td (2.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 572.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 572.30 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 151.33 572.30 Td (Planning ) Tj ET Q q 0 0 0 rg BT 205.33 572.30 Td (Process) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 545.90 Td (The ) Tj ET Q q 0 0 0 rg BT 72.73 545.90 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 131.49 545.90 Td (Planning ) Tj ET Q q 0 0 0 rg BT 180.25 545.90 Td (Program ) Tj ET Q q 0 0 0 rg BT 228.31 545.90 Td (Core ) Tj ET Q q 0 0 0 rg BT 256.25 545.90 Td (T) Tj ET Q q 0 0 0 rg BT 262.25 545.90 Td (eam ) Tj ET Q q 0 0 0 rg BT 287.64 545.90 Td (\() Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 295.63525390625 544.1890625 m 352.90966796875 544.1890625 l s q 0 0 0 rg BT 295.64 545.90 Td (Core ) Tj ET Q q 0 0 0 rg BT 323.57 545.90 Td (T) Tj ET Q q 0 0 0 rg BT 329.57 545.90 Td (eam) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 352.91 545.90 Td (\) ) Tj ET Q q 0 0 0 rg BT 362.96 545.90 Td (actively ) Tj ET Q q 0 0 0 rg BT 405.02 545.90 Td (works ) Tj ET Q q 0 0 0 rg BT 438.41 545.90 Td (to ) Tj ET Q q 0 0 0 rg BT 450.48 545.90 Td (develop ) Tj ET Q q 0 0 0 rg BT 494.57 545.90 Td (and ) Tj ET Q q 0 0 0 rg BT 516.64 545.90 Td (maintain ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 531.50 Td (the ) Tj ET Q q 0 0 0 rg BT 68.74 531.50 Td (Plans ) Tj ET Q q 0 0 0 rg BT 100.82 531.50 Td (and ) Tj ET Q q 0 0 0 rg BT 122.90 531.50 Td (to ) Tj ET Q q 0 0 0 rg BT 134.97 531.50 Td (ensure ) Tj ET Q q 0 0 0 rg BT 173.73 531.50 Td (the ) Tj ET Q q 0 0 0 rg BT 192.47 531.50 Td (Plans ) Tj ET Q q 0 0 0 rg BT 224.55 531.50 Td (contain ) Tj ET Q q 0 0 0 rg BT 265.30 531.50 Td (the ) Tj ET Q q 0 0 0 rg BT 284.05 531.50 Td (information ) Tj ET Q q 0 0 0 rg BT 345.47 531.50 Td (required ) Tj ET Q q 0 0 0 rg BT 391.56 531.50 Td (by ) Tj ET Q q 0 0 0 rg BT 406.29 531.50 Td (the ) Tj ET Q q 0 0 0 rg BT 425.03 531.50 Td (Rules ) Tj ET Q q 0 0 0 rg BT 457.77 531.50 Td (and ) Tj ET Q q 0 0 0 rg BT 479.86 531.50 Td (by ) Tj ET Q q 0 0 0 rg BT 494.59 531.50 Td (the ) Tj ET Q q 0 0 0 rg BT 513.33 531.50 Td (materials ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 74.29 517.10 Td (feedback ) Tj ET Q q 0 0 0 rg BT 127.26 517.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 177.56 517.10 Td (in ) Tj ET Q q 0 0 0 rg BT 191.17 517.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 232.79 517.10 Td (meetings ) Tj ET Q q 0 0 0 rg BT 285.75 517.10 Td (with ) Tj ET Q q 0 0 0 rg BT 311.36 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.31 517.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 377.27 517.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 426.22 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.51 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.46 517.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 507.06 517.10 Td ( ) Tj ET Q q 0 0 0 rg BT 511.05 517.10 Td (The ) Tj ET Q q 0 0 0 rg BT 535.99 517.10 Td (Core ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 502.70 Td (T) Tj ET Q q 0 0 0 rg BT 56.00 502.70 Td (eam ) Tj ET Q q 0 0 0 rg BT 86.82 502.70 Td (coordinates ) Tj ET Q q 0 0 0 rg BT 156.34 502.70 Td (various ) Tj ET Q q 0 0 0 rg BT 202.51 502.70 Td (workstreams ) Tj ET Q q 0 0 0 rg BT 278.00 502.70 Td (in ) Tj ET Q q 0 0 0 rg BT 294.82 502.70 Td (the ) Tj ET Q q 0 0 0 rg BT 318.98 502.70 Td (business ) Tj ET Q q 0 0 0 rg BT 373.82 502.70 Td (lines ) Tj ET Q q 0 0 0 rg BT 405.98 502.70 Td (and ) Tj ET Q q 0 0 0 rg BT 433.48 502.70 Td (global ) Tj ET Q q 0 0 0 rg BT 472.99 502.70 Td (functions ) Tj ET Q q 0 0 0 rg BT 528.50 502.70 Td (in ) Tj ET Q q 0 0 0 rg BT 545.32 502.70 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 488.30 Td (development ) Tj ET Q q 0 0 0 rg BT 121.71 488.30 Td (and ) Tj ET Q q 0 0 0 rg BT 144.73 488.30 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 216.43 488.30 Td (of ) Tj ET Q q 0 0 0 rg BT 229.44 488.30 Td (the ) Tj ET Q q 0 0 0 rg BT 249.11 488.30 Td (Plans. ) Tj ET Q q 0 0 0 rg BT 285.46 488.30 Td ( ) Tj ET Q q 0 0 0 rg BT 288.46 488.30 Td (In 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Td (the ) Tj ET Q q 0 0 0 rg BT 428.00 461.90 Td (Federal ) Tj ET Q q 0 0 0 rg BT 472.66 461.90 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 521.32 461.90 Td (and ) Tj ET Q q 0 0 0 rg BT 545.32 461.90 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 447.50 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 120.66 447.50 Td (and ) Tj ET Q q 0 0 0 rg BT 144.02 447.50 Td (developed ) Tj ET Q q 0 0 0 rg BT 202.74 447.50 Td (additional ) Tj ET Q q 0 0 0 rg BT 257.45 447.50 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 328.14 447.50 Td (internally) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 418.70 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 418.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 418.70 Td (T) Tj ET Q q 0 0 0 rg BT 92.00 418.70 Td (ogether ) Tj ET Q q 0 0 0 rg BT 139.98 418.70 Td (with ) Tj ET Q q 0 0 0 rg BT 168.60 418.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 215.24 418.70 Td (and ) Tj ET Q q 0 0 0 rg BT 242.54 418.70 Td (external ) Tj ET Q q 0 0 0 rg BT 292.51 418.70 Td (counsel, 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ET Q q 0 0 0 rg BT 193.67 375.50 Td (resolution ) Tj ET Q q 0 0 0 rg BT 250.51 375.50 Td (strategies ) Tj ET Q q 0 0 0 rg BT 307.34 375.50 Td (for ) Tj ET Q q 0 0 0 rg BT 325.20 375.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 349.34 375.50 Td (and ) Tj ET Q q 0 0 0 rg BT 373.21 375.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 397.35 375.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 429.51 375.50 Td (and, ) Tj ET Q q 0 0 0 rg BT 457.67 375.50 Td (in ) Tj ET Q q 0 0 0 rg BT 471.82 375.50 Td (consultation ) Tj ET Q q 0 0 0 rg BT 540.67 375.50 Td (with ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 361.10 Td (external ) Tj ET Q q 0 0 0 rg BT 131.33 361.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.00 361.10 Td (consultants ) Tj ET Q q 0 0 0 rg BT 241.34 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.01 361.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 306.00 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.67 361.10 Td (external ) Tj ET Q q 0 0 0 rg BT 374.00 361.10 Td (counsel, ) Tj ET Q q 0 0 0 rg BT 421.33 361.10 Td (identified 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rg BT 502.65 317.90 Td (information ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 303.50 Td (systems, ) Tj ET Q q 0 0 0 rg BT 136.46 303.50 Td (identified ) Tj ET Q q 0 0 0 rg BT 187.00 303.50 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 217.76 303.50 Td (Material ) Tj ET Q q 0 0 0 rg BT 263.56 303.50 Td (Entities, ) Tj ET Q q 0 0 0 rg BT 309.37 303.50 Td (Core ) Tj ET Q q 0 0 0 rg BT 338.51 303.50 Td (Business ) Tj ET Q q 0 0 0 rg BT 390.32 303.50 Td (Lines, ) Tj ET Q q 0 0 0 rg BT 425.47 303.50 Td (Critical ) Tj ET Q q 0 0 0 rg BT 465.26 303.50 Td (Operations ) Tj ET Q q 0 0 0 rg BT 527.09 303.50 Td (\(if ) Tj ET Q q 0 0 0 rg BT 540.21 303.50 Td (any) Tj ET Q q 0 0 0 rg BT 558.67 303.50 Td (, ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 289.10 Td (including ) Tj ET Q q 0 0 0 rg BT 138.29 289.10 Td (any ) Tj ET Q q 0 0 0 rg BT 162.57 289.10 Td (Critical ) Tj ET Q q 0 0 0 rg BT 204.16 289.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 267.79 289.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 320.75 289.10 Td (by ) Tj ET Q q 0 0 0 rg BT 338.35 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.96 289.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 405.57 289.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 455.18 289.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.13 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.74 289.10 Td (FDIC\), ) Tj ET Q q 0 0 0 rg BT 541.99 289.10 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 274.70 Td (Critical ) Tj ET Q q 0 0 0 rg BT 126.00 274.70 Td (Services) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 245.90 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 245.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 245.90 Td (Reviewed ) Tj ET Q q 0 0 0 rg BT 143.01 245.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 176.03 245.90 Td (Core ) Tj ET Q q 0 0 0 rg BT 207.42 245.90 Td (Business ) Tj ET Q q 0 0 0 rg BT 261.50 245.90 Td (Lines, ) Tj ET Q q 0 0 0 rg BT 298.91 245.90 Td (Critical ) Tj ET Q q 0 0 0 rg BT 340.97 245.90 Td (Services, ) Tj ET Q q 0 0 0 rg BT 395.70 245.90 Td (and ) Tj ET Q q 0 0 0 rg BT 421.11 245.90 Td (any ) Tj ET Q q 0 0 0 rg BT 445.85 245.90 Td (Critical ) Tj ET Q q 0 0 0 rg BT 487.90 245.90 Td (Operations ) Tj ET Q q 0 0 0 rg BT 551.99 245.90 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 231.50 Td (determine ) Tj ET Q q 0 0 0 rg BT 142.81 231.50 Td (how ) Tj ET Q q 0 0 0 rg BT 168.27 231.50 Td (they ) Tj ET Q q 0 0 0 rg BT 194.40 231.50 Td (could ) Tj ET Q q 0 0 0 rg BT 226.54 231.50 Td (best ) Tj ET Q q 0 0 0 rg BT 252.66 231.50 Td (be ) Tj ET Q q 0 0 0 rg BT 269.46 231.50 Td (maintained, ) Tj ET Q q 0 0 0 rg BT 334.95 231.50 Td (sold, ) Tj ET Q q 0 0 0 rg BT 363.74 231.50 Td (or ) Tj ET Q q 0 0 0 rg BT 377.86 231.50 Td (wound ) Tj ET Q q 0 0 0 rg BT 416.67 231.50 Td (down ) Tj ET Q q 0 0 0 rg BT 448.80 231.50 Td (in ) Tj ET Q q 0 0 0 rg BT 461.59 231.50 Td (a ) Tj ET Q q 0 0 0 rg BT 471.71 231.50 Td (rapid ) Tj ET Q q 0 0 0 rg BT 501.84 231.50 Td (and ) Tj ET Q q 0 0 0 rg BT 525.31 231.50 Td (orderly ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 217.10 Td (manner) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 188.30 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 188.30 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 188.30 Td (Identified ) Tj ET Q q 0 0 0 rg BT 138.79 188.30 Td (and ) Tj ET Q q 0 0 0 rg BT 162.90 188.30 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 215.02 188.30 Td (potential ) Tj ET Q q 0 0 0 rg BT 264.47 188.30 Td (impediments ) Tj ET Q q 0 0 0 rg BT 336.59 188.30 Td (to ) Tj ET Q q 0 0 0 rg BT 350.69 188.30 Td (the ) Tj ET Q q 0 0 0 rg BT 371.46 188.30 Td (resolution ) Tj ET Q q 0 0 0 rg BT 427.58 188.30 Td (strategies ) Tj ET Q q 0 0 0 rg BT 483.69 188.30 Td (set ) Tj ET Q q 0 0 0 rg BT 503.79 188.30 Td (forth ) Tj ET Q q 0 0 0 rg BT 531.89 188.30 Td (in ) Tj ET Q q 0 0 0 rg BT 545.32 188.30 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 173.90 Td (Plans ) Tj ET Q q 0 0 0 rg BT 119.35 173.90 Td (and ) Tj ET Q q 0 0 0 rg BT 142.71 173.90 Td (their ) Tj ET Q q 0 0 0 rg BT 169.38 173.90 Td (potential ) Tj ET Q q 0 0 0 rg BT 218.09 173.90 Td (mitigants) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (The ) Tj ET Q q 0 0 0 rg BT 74.25 145.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 107.83 145.10 Td (were ) Tj ET Q q 0 0 0 rg BT 137.41 145.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 196.37 145.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.96 145.10 Td (vetted ) Tj ET Q q 0 0 0 rg BT 256.22 145.10 Td (broadly ) Tj ET Q q 0 0 0 rg BT 299.15 145.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 360.10 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.64 145.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 402.54 145.10 Td (organization. ) Tj ET Q q 0 0 0 rg BT 474.83 145.10 Td ( ) Tj ET Q q 0 0 0 rg BT 478.16 145.10 Td (The ) Tj ET Q q 0 0 0 rg BT 502.41 145.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 536.00 145.10 Td (were ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 130.70 Td (presented ) Tj ET Q q 0 0 0 rg BT 106.56 130.70 Td (to ) Tj ET Q q 0 0 0 rg BT 119.76 130.70 Td (senior ) Tj ET Q q 0 0 0 rg BT 155.63 130.70 Td (management, ) Tj ET Q q 0 0 0 rg BT 232.19 130.70 Td (internal ) Tj ET Q q 0 0 0 rg BT 274.74 130.70 Td (governance ) Tj ET Q q 0 0 0 rg BT 340.64 130.70 Td (committees, ) Tj ET Q q 0 0 0 rg BT 408.51 130.70 Td (and ) Tj ET Q q 0 0 0 rg BT 431.71 130.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 472.92 130.70 Td (matter ) Tj ET Q q 0 0 0 rg BT 510.12 130.70 Td (experts ) Tj ET Q q 0 0 0 rg BT 552.66 130.70 Td (in ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 116.30 Td (the ) Tj ET Q q 0 0 0 rg BT 69.55 116.30 Td (business ) Tj ET Q q 0 0 0 rg BT 119.78 116.30 Td (lines ) Tj ET Q q 0 0 0 rg BT 147.33 116.30 Td (and ) Tj ET Q q 0 0 0 rg BT 170.22 116.30 Td (global ) Tj ET Q q 0 0 0 rg BT 205.12 116.30 Td (functions. ) Tj ET Q q 0 0 0 rg BT 259.36 116.30 Td ( ) Tj ET Q q 0 0 0 rg BT 262.23 116.30 Td (Following ) Tj ET Q q 0 0 0 rg BT 315.79 116.30 Td (these ) Tj ET Q q 0 0 0 rg BT 348.01 116.30 Td (reviews, ) Tj ET Q q 0 0 0 rg BT 394.89 116.30 Td (the ) Tj ET Q q 0 0 0 rg BT 414.44 116.30 Td (Plans ) Tj ET Q q 0 0 0 rg BT 447.33 116.30 Td (were ) Tj ET Q q 0 0 0 rg BT 476.21 116.30 Td (presented ) Tj ET Q q 0 0 0 rg BT 532.45 116.30 Td (to ) Tj ET Q q 0 0 0 rg BT 545.33 116.30 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 101.90 Td (Board ) Tj ET Q q 0 0 0 rg BT 84.84 101.90 Td (committees ) Tj ET Q q 0 0 0 rg BT 149.00 101.90 Td (responsible ) Tj ET Q q 0 0 0 rg BT 213.19 101.90 Td (for ) Tj ET Q q 0 0 0 rg BT 230.02 101.90 Td (resolution ) Tj ET Q q 0 0 0 rg BT 284.86 101.90 Td (planning ) Tj ET Q q 0 0 0 rg BT 333.06 101.90 Td (and, ) Tj ET Q q 0 0 0 rg BT 359.23 101.90 Td (ultimately) Tj ET Q q 0 0 0 rg BT 409.02 101.90 Td (, ) Tj ET Q q 0 0 0 rg BT 415.18 101.90 Td (to ) Tj ET Q q 0 0 0 rg BT 428.00 101.90 Td (the ) Tj ET Q q 0 0 0 rg BT 447.50 101.90 Td (Boards ) Tj ET Q q 0 0 0 rg BT 488.34 101.90 Td (of ) Tj ET Q q 0 0 0 rg BT 501.17 101.90 Td (Directors ) Tj ET Q q 0 0 0 rg BT 551.99 101.90 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 87.50 Td (AFI ) Tj ET Q q 0 0 0 rg BT 72.00 87.50 Td (and ) Tj ET Q q 0 0 0 rg BT 94.70 87.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 117.37 87.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 148.05 87.50 Td (for ) Tj ET Q q 0 0 0 rg BT 165.39 87.50 Td (review ) Tj ET Q q 0 0 0 rg BT 203.40 87.50 Td (and ) Tj ET Q q 0 0 0 rg BT 226.75 87.50 Td (approval.) 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Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 645.30 Td (J.) 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0 rg BT 290.03 590.10 Td (some ) Tj ET Q q 0 0 0 rg BT 323.35 590.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.33 590.10 Td (which ) Tj ET Q q 0 0 0 rg BT 371.99 590.10 Td (are ) Tj ET Q q 0 0 0 rg BT 393.31 590.10 Td (externally ) Tj ET Q q 0 0 0 rg BT 448.65 590.10 Td (hosted, ) Tj ET Q q 0 0 0 rg BT 491.99 590.10 Td (that ) Tj ET Q q 0 0 0 rg BT 515.98 590.10 Td (interface ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 575.70 Td (with ) Tj ET Q q 0 0 0 rg BT 73.69 575.70 Td (strategic ) Tj ET Q q 0 0 0 rg BT 121.39 575.70 Td (data ) Tj ET Q q 0 0 0 rg BT 147.10 575.70 Td (provisioning ) Tj ET Q q 0 0 0 rg BT 213.49 575.70 Td (systems ) Tj ET Q q 0 0 0 rg BT 259.84 575.70 Td (for ) Tj ET Q q 0 0 0 rg BT 276.20 575.70 Td (each ) Tj ET Q q 0 0 0 rg BT 304.57 575.70 Td (major ) Tj ET Q q 0 0 0 rg BT 336.92 575.70 Td (line ) Tj ET Q q 0 0 0 rg BT 357.95 575.70 Td (of ) Tj ET Q q 0 0 0 rg BT 370.31 575.70 Td (business ) Tj ET Q q 0 0 0 rg BT 420.02 575.70 Td (and ) Tj ET Q q 0 0 0 rg BT 442.40 575.70 Td (support ) Tj ET Q q 0 0 0 rg BT 484.77 575.70 Td (function. ) Tj ET Q q 0 0 0 rg BT 532.49 575.70 Td ( ) Tj ET Q q 0 0 0 rg BT 534.37 575.70 Td (Ally's ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 561.30 Td (material ) Tj ET Q q 0 0 0 rg BT 95.09 561.30 Td (MIS ) Tj ET Q q 0 0 0 rg BT 118.83 561.30 Td (are ) Tj ET Q q 0 0 0 rg BT 138.58 561.30 Td (used ) Tj ET Q q 0 0 0 rg BT 167.02 561.30 Td (to ) Tj ET Q q 0 0 0 rg BT 179.43 561.30 Td (support ) Tj ET Q q 0 0 0 rg BT 221.87 561.30 Td (critical ) Tj ET Q q 0 0 0 rg BT 258.28 561.30 Td (business ) Tj ET Q q 0 0 0 rg BT 308.05 561.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 366.50 561.30 Td (and ) Tj ET Q q 0 0 0 rg BT 388.93 561.30 Td (to ) Tj ET Q q 0 0 0 rg BT 401.34 561.30 Td (provide ) Tj ET Q q 0 0 0 rg BT 443.11 561.30 Td (reporting ) Tj ET Q q 0 0 0 rg BT 492.88 561.30 Td (and ) Tj ET Q q 0 0 0 rg BT 515.31 561.30 Td (analytics ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 546.90 Td (for ) Tj ET Q q 0 0 0 rg BT 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Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 436.50 Td (In ) Tj ET Q q 0 0 0 rg BT 63.48 436.50 Td (order ) Tj ET Q q 0 0 0 rg BT 94.96 436.50 Td (to ) Tj ET Q q 0 0 0 rg BT 108.43 436.50 Td (ensure ) Tj ET Q q 0 0 0 rg BT 148.59 436.50 Td (the ) Tj ET Q q 0 0 0 rg BT 168.74 436.50 Td (quality ) Tj ET Q q 0 0 0 rg BT 206.89 436.50 Td (of ) Tj ET Q q 0 0 0 rg BT 220.37 436.50 Td (the ) Tj ET Q q 0 0 0 rg BT 240.52 436.50 Td (data ) Tj ET Q q 0 0 0 rg BT 267.34 436.50 Td (in ) Tj ET Q q 0 0 0 rg BT 280.15 436.50 Td (its ) Tj ET Q q 0 0 0 rg BT 295.61 436.50 Td (material ) Tj ET Q q 0 0 0 rg BT 341.76 436.50 Td (MIS, ) Tj ET Q q 0 0 0 rg BT 369.21 436.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 392.01 436.50 Td (has ) Tj ET Q q 0 0 0 rg BT 414.83 436.50 Td (a ) Tj ET Q q 0 0 0 rg BT 424.97 436.50 Td (defined ) Tj ET Q q 0 0 0 rg BT 467.80 436.50 Td (Data ) Tj ET Q q 0 0 0 rg BT 496.62 436.50 Td (Governance ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 422.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 85.88 422.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.10 422.10 Td (framework, ) Tj ET Q q 0 0 0 rg BT 175.64 422.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.86 422.10 Td (is ) Tj ET Q q 0 0 0 rg BT 214.73 422.10 Td (developing ) Tj ET Q q 0 0 0 rg BT 277.98 422.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 335.88 422.10 Td (for ) Tj ET Q q 0 0 0 rg BT 355.08 422.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 394.28 422.10 Td (data ) Tj ET Q q 0 0 0 rg BT 422.83 422.10 Td (elements. ) Tj ET Q q 0 0 0 rg BT 480.06 422.10 Td ( ) Tj ET Q q 0 0 0 rg BT 484.23 422.10 Td (A) Tj ET Q q 0 0 0 rg BT 491.57 422.10 Td ( ) Tj ET Q q 0 0 0 rg BT 496.77 422.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 536.65 422.10 Td (Data ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 407.70 Td (Governance ) Tj ET Q q 0 0 0 rg BT 117.08 407.70 Td (Council, ) Tj ET Q q 0 0 0 rg BT 162.14 407.70 Td (chaired ) Tj ET Q q 0 0 0 rg BT 203.20 407.70 Td (by ) Tj ET Q q 0 0 0 rg BT 217.24 407.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 246.57 407.70 Td (Data ) Tj ET Q q 0 0 0 rg BT 273.62 407.70 Td (Governance ) Tj ET Q q 0 0 0 rg BT 340.70 407.70 Td (Executive ) Tj ET Q q 0 0 0 rg BT 394.43 407.70 Td (and ) Tj ET Q q 0 0 0 rg BT 416.15 407.70 Td (composed ) Tj ET Q q 0 0 0 rg BT 473.22 407.70 Td (of ) Tj ET Q q 0 0 0 rg BT 484.94 407.70 Td (Data ) Tj ET Q q 0 0 0 rg BT 511.99 407.70 Td (Stewards ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 393.30 Td (across ) Tj ET Q q 0 0 0 rg BT 88.69 393.30 Td (all ) Tj ET Q q 0 0 0 rg BT 104.03 393.30 Td (lines ) Tj ET Q q 0 0 0 rg BT 132.06 393.30 Td (of ) Tj ET Q q 0 0 0 rg BT 145.41 393.30 Td (business ) Tj ET Q q 0 0 0 rg BT 196.11 393.30 Td (and ) Tj ET Q q 0 0 0 rg BT 219.47 393.30 Td (support ) Tj ET Q q 0 0 0 rg BT 262.84 393.30 Td (functions, ) Tj ET Q q 0 0 0 rg BT 317.55 393.30 Td (oversees ) Tj ET Q q 0 0 0 rg BT 368.92 393.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 399.89 393.30 Td (data ) Tj ET Q q 0 0 0 rg BT 426.58 393.30 Td (governance ) Tj ET Q q 0 0 0 rg BT 492.64 393.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 541.99 393.30 Td (and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 378.90 Td (champions ) Tj ET Q q 0 0 0 rg BT 111.37 378.90 Td (continuous ) Tj ET Q q 0 0 0 rg BT 172.74 378.90 Td (improvement ) Tj ET Q q 0 0 0 rg BT 245.43 378.90 Td (initiatives.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 352.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 73.72 352.50 Td (has ) Tj ET Q q 0 0 0 rg BT 97.45 352.50 Td (a ) Tj ET Q q 0 0 0 rg BT 108.50 352.50 Td (business ) Tj ET Q q 0 0 0 rg BT 160.25 352.50 Td (continuity ) Tj ET Q q 0 0 0 rg BT 215.33 352.50 Td (program ) Tj ET Q q 0 0 0 rg BT 264.39 352.50 Td (that ) Tj ET Q q 0 0 0 rg BT 288.79 352.50 Td (has ) Tj ET Q q 0 0 0 rg BT 312.52 352.50 Td (prepared ) Tj ET Q q 0 0 0 rg BT 364.94 352.50 Td (the ) Tj ET Q q 0 0 0 rg BT 386.00 352.50 Td (organization ) Tj ET Q q 0 0 0 rg BT 455.76 352.50 Td (for ) Tj ET Q q 0 0 0 rg BT 474.15 352.50 Td (a ) Tj ET Q q 0 0 0 rg BT 485.20 352.50 Td (broad ) Tj ET Q q 0 0 0 rg BT 520.28 352.50 Td (array ) Tj ET Q q 0 0 0 rg BT 552.00 352.50 Td (of ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 338.10 Td (situations. ) Tj ET Q q 0 0 0 rg BT 107.83 338.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.87 338.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 134.01 338.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 174.49 338.10 Td (multiple ) Tj ET Q q 0 0 0 rg BT 219.64 338.10 Td (data ) Tj ET Q q 0 0 0 rg BT 246.79 338.10 Td (centers ) Tj ET Q q 0 0 0 rg BT 289.95 338.10 Td (to ) Tj ET Q q 0 0 0 rg BT 303.75 338.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 346.91 338.10 Td (failovers ) Tj ET Q q 0 0 0 rg BT 395.39 338.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.20 338.10 Td (key ) Tj ET Q q 0 0 0 rg BT 431.67 338.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 482.81 338.10 Td (high ) Tj ET Q q 0 0 0 rg BT 509.30 338.10 Td (frequency ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 323.70 Td (back-ups ) Tj ET Q q 0 0 0 rg BT 103.82 323.70 Td (for ) Tj ET Q q 0 0 0 rg BT 122.95 323.70 Td (individual ) Tj ET Q q 0 0 0 rg BT 178.11 323.70 Td (workstations, ) Tj ET Q q 0 0 0 rg BT 253.27 323.70 Td (and ) Tj ET Q q 0 0 0 rg BT 278.42 323.70 Td (mobile ) Tj ET Q q 0 0 0 rg BT 318.90 323.70 Td (command ) Tj ET Q q 0 0 0 rg BT 376.71 323.70 Td (and ) Tj ET Q q 0 0 0 rg BT 401.86 323.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 463.03 323.70 Td (centers ) Tj ET Q q 0 0 0 rg BT 507.51 323.70 Td (to ) Tj ET Q q 0 0 0 rg BT 522.65 323.70 Td (provide ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 309.30 Td (temporary ) Tj ET Q q 0 0 0 rg BT 106.39 309.30 Td (workspace. ) Tj ET Q q 0 0 0 rg BT 169.45 309.30 Td ( ) Tj ET Q q 0 0 0 rg BT 171.35 309.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 193.06 309.30 Td (also ) Tj ET Q q 0 0 0 rg BT 217.45 309.30 Td (has ) Tj ET Q q 0 0 0 rg BT 239.17 309.30 Td (a ) Tj ET Q q 0 0 0 rg BT 248.21 309.30 Td (high ) Tj ET Q q 0 0 0 rg BT 273.27 309.30 Td (capacity ) Tj ET Q q 0 0 0 rg BT 319.67 309.30 Td (virtual ) Tj ET Q q 0 0 0 rg BT 354.05 309.30 Td (private ) Tj ET Q q 0 0 0 rg BT 392.44 309.30 Td (network ) Tj ET Q q 0 0 0 rg BT 436.83 309.30 Td (to ) Tj ET Q q 0 0 0 rg BT 449.21 309.30 Td (allow ) Tj ET Q q 0 0 0 rg BT 478.93 309.30 Td (for ) Tj ET Q q 0 0 0 rg BT 495.30 309.30 Td (home-based ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 294.90 Td (access ) Tj ET Q q 0 0 0 rg BT 90.68 294.90 Td (should ) Tj ET Q q 0 0 0 rg BT 129.38 294.90 Td (the ) Tj ET Q q 0 0 0 rg BT 149.39 294.90 Td (need ) Tj ET Q q 0 0 0 rg BT 179.42 294.90 Td (arise.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 268.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.39 268.50 Td (has ) Tj ET Q q 0 0 0 rg BT 94.79 268.50 Td (implemented ) Tj ET Q q 0 0 0 rg BT 166.55 268.50 Td (an ) Tj ET Q q 0 0 0 rg BT 182.95 268.50 Td (Identity ) Tj ET Q q 0 0 0 rg BT 224.69 268.50 Td (and ) Tj ET Q q 0 0 0 rg BT 247.16 268.50 Td (Access ) Tj ET Q q 0 0 0 rg BT 288.89 268.50 Td (Management ) Tj ET Q q 0 0 0 rg BT 361.99 268.50 Td (system ) Tj ET Q q 0 0 0 rg BT 403.05 268.50 Td (to ) Tj ET Q q 0 0 0 rg BT 416.11 268.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 458.52 268.50 Td (and ) Tj ET Q q 0 0 0 rg BT 481.60 268.50 Td (remove ) Tj ET Q q 0 0 0 rg BT 524.67 268.50 Td (access ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 254.10 Td (to ) Tj ET Q q 0 0 0 rg BT 62.75 254.10 Td (key ) Tj ET Q q 0 0 0 rg BT 84.16 254.10 Td (systems. ) Tj ET Q q 0 0 0 rg BT 134.24 254.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.98 254.10 Td (Privileged ) Tj ET Q q 0 0 0 rg BT 192.41 254.10 Td (access ) Tj ET Q q 0 0 0 rg BT 232.50 254.10 Td (is ) Tj ET Q q 0 0 0 rg BT 243.90 254.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 294.67 254.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 344.10 254.10 Td (by ) Tj ET Q q 0 0 0 rg BT 359.51 254.10 Td (hiring ) Tj ET Q q 0 0 0 rg BT 391.60 254.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 447.70 254.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.46 254.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 512.57 254.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.32 254.10 Td (ensure ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 239.70 Td (proper ) Tj ET Q q 0 0 0 rg BT 88.02 239.70 Td (access ) Tj ET Q q 0 0 0 rg BT 128.70 239.70 Td (rights ) Tj ET Q q 0 0 0 rg BT 161.38 239.70 Td (are ) Tj ET Q q 0 0 0 rg BT 182.06 239.70 Td (granted.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 213.30 Td (Information ) Tj ET Q q 0 0 0 rg BT 114.62 213.30 Td (Security ) Tj ET Q q 0 0 0 rg BT 162.56 213.30 Td (policy ) Tj ET Q q 0 0 0 rg BT 197.82 213.30 Td (and ) Tj ET Q q 0 0 0 rg BT 222.44 213.30 Td (standards, ) Tj ET Q q 0 0 0 rg BT 283.06 213.30 Td (built ) Tj ET Q q 0 0 0 rg BT 309.66 213.30 Td (on ) Tj ET Q q 0 0 0 rg BT 327.60 213.30 Td (an ) Tj ET Q q 0 0 0 rg BT 345.54 213.30 Td (international ) Tj ET Q q 0 0 0 rg BT 415.50 213.30 Td (framework ) Tj ET Q q 0 0 0 rg BT 476.10 213.30 Td (and ) Tj ET Q q 0 0 0 rg BT 500.71 213.30 Td (adhering ) Tj ET Q q 0 0 0 rg BT 552.01 213.30 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 198.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 108.36 198.90 Td (expectations ) Tj ET Q q 0 0 0 rg BT 180.74 198.90 Td (for ) Tj ET Q q 0 0 0 rg BT 199.75 198.90 Td (the ) Tj ET Q q 0 0 0 rg BT 221.44 198.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 270.47 198.90 Td (services ) Tj ET Q q 0 0 0 rg BT 319.48 198.90 Td (sector) Tj ET Q q 0 0 0 rg BT 351.49 198.90 Td (, ) Tj ET Q q 0 0 0 rg BT 359.83 198.90 Td (have ) Tj ET Q q 0 0 0 rg BT 390.86 198.90 Td (been ) Tj ET Q q 0 0 0 rg BT 422.55 198.90 Td (established ) Tj ET Q q 0 0 0 rg BT 488.27 198.90 Td (and ) Tj ET Q q 0 0 0 rg BT 513.29 198.90 Td (deployed ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 184.50 Td (throughout ) Tj ET Q q 0 0 0 rg BT 111.02 184.50 Td (the ) Tj ET Q q 0 0 0 rg BT 131.35 184.50 Td (company ) Tj ET Q q 0 0 0 rg BT 183.68 184.50 Td (to ) Tj ET Q q 0 0 0 rg BT 197.33 184.50 Td (ensure ) Tj ET Q q 0 0 0 rg BT 237.67 184.50 Td (systems ) Tj ET Q q 0 0 0 rg BT 285.32 184.50 Td (and ) Tj ET Q q 0 0 0 rg BT 308.98 184.50 Td (desktops ) Tj ET Q q 0 0 0 rg BT 360.65 184.50 Td (are ) Tj ET Q q 0 0 0 rg BT 381.64 184.50 Td (maintained ) Tj ET Q q 0 0 0 rg BT 443.99 184.50 Td (and ) Tj ET Q q 0 0 0 rg BT 467.65 184.50 Td (assessed ) Tj ET Q q 0 0 0 rg BT 521.99 184.50 Td (utilizing ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 170.10 Td (a ) Tj ET Q q 0 0 0 rg BT 60.01 170.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 118.70 170.10 Td (approach.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 133.30 Td (K.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 62.00 133.30 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 133.30 Td (High-Level Description of Resolution Strategy) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 106.90 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.01 106.90 Td ( ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 86.00 106.90 Td (Assumptions) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 80.50 Td (The ) Tj ET Q q 0 0 0 rg BT 74.61 80.50 Td (Federal ) Tj ET Q q 0 0 0 rg BT 119.23 80.50 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 167.85 80.50 Td (and ) Tj ET Q q 0 0 0 rg BT 191.80 80.50 Td (the ) Tj ET Q q 0 0 0 rg BT 212.42 80.50 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 244.35 80.50 Td (have ) Tj ET Q q 0 0 0 rg BT 274.30 80.50 Td (mandated ) Tj ET Q q 0 0 0 rg BT 331.61 80.50 Td (the ) Tj ET Q q 0 0 0 rg BT 352.22 80.50 Td (use ) Tj ET Q q 0 0 0 rg BT 375.50 80.50 Td (of ) Tj ET Q q 0 0 0 rg BT 389.44 80.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 429.39 80.50 Td (baseline ) Tj ET Q q 0 0 0 rg BT 478.03 80.50 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 549.33 80.50 Td (by ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 66.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 72.15 66.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.43 66.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 116.58 66.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 146.75 66.10 Td (in ) Tj ET Q q 0 0 0 rg BT 158.91 66.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.41 66.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 241.93 66.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.75 66.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.25 66.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 317.09 66.10 Td (165 ) Tj ET Q q 0 0 0 rg BT 339.93 66.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 366.77 66.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.60 66.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.10 66.10 Td (IDI ) Tj ET Q q 0 0 0 rg BT 427.25 66.10 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 457.42 66.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 519.89 66.10 Td (. ) Tj ET Q q 0 0 0 rg BT 526.04 66.10 Td ( ) Tj ET Q q 0 0 0 rg BT 528.67 66.10 Td (These ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 51.70 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 120.70 51.70 Td (include ) Tj ET Q q 0 0 0 rg BT 162.06 51.70 Td (the ) Tj ET Q q 0 0 0 rg BT 182.08 51.70 Td (following:) Tj ET Q endstream endobj 59 0 obj <> endobj 60 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (29) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 740.30 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 740.30 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 740.30 Td (With ) Tj ET Q q 0 0 0 rg BT 114.54 740.30 Td (no ) Tj ET Q q 0 0 0 rg BT 132.43 740.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 160.98 740.30 Td (disruption ) Tj ET Q q 0 0 0 rg BT 217.55 740.30 Td (to ) Tj ET Q q 0 0 0 rg BT 232.10 740.30 Td (the ) Tj ET Q q 0 0 0 rg BT 253.33 740.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 301.90 740.30 Td (markets, ) Tj ET Q q 0 0 0 rg BT 351.54 740.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 375.42 740.30 Td (and ) Tj ET Q q 0 0 0 rg BT 399.08 740.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 422.96 740.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 454.85 740.30 Td (have ) Tj ET Q q 0 0 0 rg BT 485.42 740.30 Td (experienced ) Tj ET Q q 0 0 0 rg BT 555.34 740.30 Td (a ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 725.90 Td (sudden, ) Tj ET Q q 0 0 0 rg BT 134.75 725.90 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 200.84 725.90 Td (idiosyncratic ) Tj ET Q q 0 0 0 rg BT 272.91 725.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 322.98 725.90 Td (loss ) Tj ET Q q 0 0 0 rg BT 350.36 725.90 Td (or ) Tj ET Q q 0 0 0 rg BT 367.07 725.90 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 413.14 725.90 Td (event ) Tj ET Q q 0 0 0 rg BT 448.54 725.90 Td (resulting ) Tj ET Q q 0 0 0 rg BT 499.94 725.90 Td (in ) Tj ET Q q 0 0 0 rg BT 515.32 725.90 Td (material ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 711.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 133.90 711.50 Td (distress, ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 186.44 711.50 Td (i.e.,) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 205.78 711.50 Td ( ) Tj ET Q q 0 0 0 rg BT 208.88 711.50 Td (Ally ) Tj ET Q q 0 0 0 rg BT 232.09 711.50 Td (has ) Tj ET Q q 0 0 0 rg BT 255.31 711.50 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 305.86 711.50 Td (or ) Tj ET Q q 0 0 0 rg BT 320.40 711.50 Td (is ) Tj ET Q q 0 0 0 rg BT 332.94 711.50 Td (likely ) Tj ET Q q 0 0 0 rg BT 363.48 711.50 Td (to ) Tj ET Q q 0 0 0 rg BT 377.36 711.50 Td (incur) Tj ET Q q 0 0 0 rg BT 402.71 711.50 Td (, ) Tj ET Q q 0 0 0 rg BT 409.91 711.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 447.79 711.50 Td (that ) Tj ET Q q 0 0 0 rg BT 471.68 711.50 Td (will ) Tj ET Q q 0 0 0 rg BT 492.21 711.50 Td (deplete ) Tj ET Q q 0 0 0 rg BT 535.45 711.50 Td (all ) Tj ET Q q 0 0 0 rg BT 551.33 711.50 Td (or ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 697.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 156.48 697.10 Td (all ) Tj ET Q q 0 0 0 rg BT 172.93 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.38 697.10 Td (its ) Tj ET Q q 0 0 0 rg BT 203.82 697.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 246.28 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 270.75 697.10 Td (there ) Tj ET Q q 0 0 0 rg BT 302.54 697.10 Td (is ) Tj ET Q q 0 0 0 rg BT 315.65 697.10 Td (no ) Tj ET Q q 0 0 0 rg BT 333.44 697.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 397.26 697.10 Td (prospect ) Tj ET Q q 0 0 0 rg BT 447.73 697.10 Td (for ) Tj ET Q q 0 0 0 rg BT 465.29 697.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 489.07 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.52 697.10 Td (avoid ) Tj ET Q q 0 0 0 rg BT 536.65 697.10 Td (such ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 682.70 Td (depletion; ) Tj ET Q q 0 0 0 rg BT 139.71 682.70 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 169.41 682.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 206.17 682.70 Td (are, ) Tj ET Q q 0 0 0 rg BT 228.92 682.70 Td (or ) Tj ET Q q 0 0 0 rg BT 241.67 682.70 Td (are ) Tj ET Q q 0 0 0 rg BT 261.08 682.70 Td (likely ) Tj ET Q q 0 0 0 rg BT 289.83 682.70 Td (to ) Tj ET Q q 0 0 0 rg BT 301.92 682.70 Td (be, ) Tj ET Q q 0 0 0 rg BT 320.67 682.70 Td (less ) Tj ET Q q 0 0 0 rg BT 344.09 682.70 Td (than ) Tj ET Q q 0 0 0 rg BT 369.52 682.70 Td (its ) Tj ET Q q 0 0 0 rg BT 383.60 682.70 Td (obligations ) Tj ET Q q 0 0 0 rg BT 443.05 682.70 Td (to ) Tj ET Q q 0 0 0 rg BT 455.13 682.70 Td (creditors ) Tj ET Q q 0 0 0 rg BT 503.22 682.70 Td (and ) Tj ET Q q 0 0 0 rg BT 525.32 682.70 Td (others; ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 668.30 Td (or ) Tj ET Q q 0 0 0 rg BT 99.27 668.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 121.86 668.30 Td (is, ) Tj ET Q q 0 0 0 rg BT 137.11 668.30 Td (or ) Tj ET Q q 0 0 0 rg BT 151.03 668.30 Td (is ) Tj ET Q q 0 0 0 rg BT 162.94 668.30 Td (likely ) Tj ET Q q 0 0 0 rg BT 192.87 668.30 Td (to ) Tj ET Q q 0 0 0 rg BT 206.12 668.30 Td (be, ) Tj ET Q q 0 0 0 rg BT 226.05 668.30 Td (unable ) Tj ET Q q 0 0 0 rg BT 265.34 668.30 Td (to ) Tj ET Q q 0 0 0 rg BT 278.60 668.30 Td (pay ) Tj ET Q q 0 0 0 rg BT 301.19 668.30 Td (its ) Tj ET Q q 0 0 0 rg BT 316.44 668.30 Td (obligations ) Tj ET Q q 0 0 0 rg BT 377.07 668.30 Td (\(other ) Tj ET Q q 0 0 0 rg BT 411.66 668.30 Td (than ) Tj ET Q q 0 0 0 rg BT 438.27 668.30 Td (those ) Tj ET Q q 0 0 0 rg BT 470.87 668.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 512.15 668.30 Td (to ) Tj ET Q q 0 0 0 rg BT 525.40 668.30 Td (a ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 535.33 668.30 Td (bona ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 86.00 653.90 Td (fide) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 105.35 653.90 Td ( ) Tj ET Q q 0 0 0 rg BT 108.68 653.90 Td (dispute\) ) Tj ET Q q 0 0 0 rg BT 154.71 653.90 Td (in ) Tj ET Q q 0 0 0 rg BT 167.38 653.90 Td (the ) Tj ET Q q 0 0 0 rg BT 187.40 653.90 Td (normal ) Tj ET Q q 0 0 0 rg BT 227.41 653.90 Td (course ) Tj ET Q q 0 0 0 rg BT 266.76 653.90 Td (of ) Tj ET Q q 0 0 0 rg BT 280.10 653.90 Td (business. ) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 334.13 653.90 Td (See) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 355.48 653.90 Td ( ) Tj ET Q q 0 0 0 rg BT 358.82 653.90 Td (12 ) Tj ET Q q 0 0 0 rg BT 375.50 653.90 Td (C.F) Tj ET Q q 0 0 0 rg BT 393.50 653.90 Td (.R. ) Tj ET Q q 0 0 0 rg BT 412.17 653.90 Td (243.2\(m\); ) Tj ET Q q 0 0 0 rg BT 483.54 653.90 Td (381.2\(m\)) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 625.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 625.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 625.10 Td (All ) Tj ET Q q 0 0 0 rg BT 104.98 625.10 Td (Material ) Tj ET Q q 0 0 0 rg BT 153.31 625.10 Td (Entities ) Tj ET Q q 0 0 0 rg BT 198.30 625.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 219.29 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.95 625.10 Td (commence ) Tj ET Q q 0 0 0 rg BT 309.29 625.10 Td (insolvency ) Tj ET Q q 0 0 0 rg BT 370.96 625.10 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 441.98 625.10 Td (under ) Tj ET Q q 0 0 0 rg BT 478.32 625.10 Td (their ) Tj ET Q q 0 0 0 rg BT 507.31 625.10 Td (respective ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 610.70 Td (insolvency ) Tj ET Q q 0 0 0 rg BT 145.36 610.70 Td (regime) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 581.90 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 581.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 581.90 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 112.67 581.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 160.03 581.90 Td (markets ) Tj ET Q q 0 0 0 rg BT 206.04 581.90 Td (are ) Tj ET Q q 0 0 0 rg BT 226.72 581.90 Td (functioning ) Tj ET Q q 0 0 0 rg BT 288.10 581.90 Td (normally ) Tj ET Q q 0 0 0 rg BT 336.78 581.90 Td (for ) Tj ET Q q 0 0 0 rg BT 354.11 581.90 Td (other ) Tj ET Q q 0 0 0 rg BT 384.80 581.90 Td (market ) Tj ET Q q 0 0 0 rg BT 424.81 581.90 Td (participants) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 553.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 553.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 553.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 121.16 553.10 Td (market ) Tj ET Q q 0 0 0 rg BT 162.97 553.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 229.48 553.10 Td (are ) Tj ET Q q 0 0 0 rg BT 251.97 553.10 Td (in ) Tj ET Q q 0 0 0 rg BT 266.45 553.10 Td (good ) Tj ET Q q 0 0 0 rg BT 298.29 553.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 347.47 553.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 400.64 553.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.81 553.10 Td (have ) Tj ET Q q 0 0 0 rg BT 456.98 553.10 Td (not ) Tj ET Q q 0 0 0 rg BT 478.80 553.10 Td (been ) Tj ET Q q 0 0 0 rg BT 510.64 553.10 Td (adversely ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 538.70 Td (af) Tj ET Q q 0 0 0 rg BT 95.79 538.70 Td (fected ) Tj ET Q q 0 0 0 rg BT 131.81 538.70 Td (by ) Tj ET Q q 0 0 0 rg BT 147.82 538.70 Td (the ) Tj ET Q q 0 0 0 rg BT 167.84 538.70 Td (idiosyncratic ) Tj ET Q q 0 0 0 rg BT 237.20 538.70 Td (event ) Tj ET Q q 0 0 0 rg BT 269.88 538.70 Td (that ) Tj ET Q q 0 0 0 rg BT 293.23 538.70 Td (caused ) Tj ET Q q 0 0 0 rg BT 335.26 538.70 Td (the ) Tj ET Q q 0 0 0 rg BT 355.28 538.70 Td (failure ) Tj ET Q q 0 0 0 rg BT 391.30 538.70 Td (of ) Tj ET Q q 0 0 0 rg BT 403.98 538.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 426.65 538.70 Td (and ) Tj ET Q q 0 0 0 rg BT 449.34 538.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 472.01 538.70 Td (Bank) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 509.90 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 509.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 509.90 Td (No ) Tj ET Q q 0 0 0 rg BT 104.67 509.90 Td (extraordinary ) Tj ET Q q 0 0 0 rg BT 178.04 509.90 Td (government ) Tj ET Q q 0 0 0 rg BT 244.74 509.90 Td (support ) Tj ET Q q 0 0 0 rg BT 288.10 509.90 Td (or ) Tj ET Q q 0 0 0 rg BT 302.11 509.90 Td (assistance) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 481.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 481.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 481.10 Td (Unsecured ) Tj ET Q q 0 0 0 rg BT 147.37 481.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 190.07 481.10 Td (is ) Tj ET Q q 0 0 0 rg BT 202.07 481.10 Td (unavailable ) Tj ET Q q 0 0 0 rg BT 266.12 481.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.80 481.10 Td (Ally) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 466.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 452.30 Td (The ) Tj ET Q q 0 0 0 rg BT 74.64 452.30 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 155.28 452.30 Td (leading ) Tj ET Q q 0 0 0 rg BT 197.94 452.30 Td (to ) Tj ET Q q 0 0 0 rg BT 211.90 452.30 Td (an ) Tj ET Q q 0 0 0 rg BT 229.21 452.30 Td (actual ) Tj ET Q q 0 0 0 rg BT 265.19 452.30 Td (failure ) Tj ET Q q 0 0 0 rg BT 301.83 452.30 Td (of ) Tj ET Q q 0 0 0 rg BT 315.79 452.30 Td (a ) Tj ET Q q 0 0 0 rg BT 326.43 452.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 374.41 452.30 Td (institution ) Tj ET Q q 0 0 0 rg BT 429.06 452.30 Td (such ) Tj ET Q q 0 0 0 rg BT 458.37 452.30 Td (as ) Tj ET Q q 0 0 0 rg BT 474.21 452.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 497.51 452.30 Td (or ) Tj ET Q q 0 0 0 rg BT 511.35 452.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 534.64 452.30 Td (Bank ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 437.90 Td (are ) Tj ET Q q 0 0 0 rg BT 69.65 437.90 Td (likely ) Tj ET Q q 0 0 0 rg BT 98.63 437.90 Td (to ) Tj ET Q q 0 0 0 rg BT 110.95 437.90 Td (dif) Tj ET Q q 0 0 0 rg BT 123.41 437.90 Td (fer) Tj ET Q q 0 0 0 rg BT 136.75 437.90 Td (, ) Tj ET Q q 0 0 0 rg BT 142.39 437.90 Td (perhaps ) Tj ET Q q 0 0 0 rg BT 188.06 437.90 Td (substantially ) Tj ET Q q 0 0 0 rg BT 256.41 437.90 Td (so, ) Tj ET Q q 0 0 0 rg BT 274.72 437.90 Td (from ) Tj ET Q q 0 0 0 rg BT 301.03 437.90 Td (the ) Tj ET Q q 0 0 0 rg BT 320.02 437.90 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 389.70 437.90 Td (on ) Tj ET Q q 0 0 0 rg BT 405.35 437.90 Td (which ) Tj ET Q q 0 0 0 rg BT 438.34 437.90 Td (the ) Tj ET Q q 0 0 0 rg BT 457.33 437.90 Td (Plans ) Tj ET Q q 0 0 0 rg BT 489.66 437.90 Td (are ) Tj ET Q q 0 0 0 rg BT 509.31 437.90 Td (premised. ) Tj ET Q q 0 0 0 rg BT 565.33 437.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 423.50 Td (These ) Tj ET Q q 0 0 0 rg BT 86.40 423.50 Td (dif) Tj ET Q q 0 0 0 rg BT 98.86 423.50 Td (ferences ) Tj ET Q q 0 0 0 rg BT 147.94 423.50 Td (might ) Tj ET Q q 0 0 0 rg BT 180.33 423.50 Td (materially ) Tj ET Q q 0 0 0 rg BT 234.73 423.50 Td (alter ) Tj ET Q q 0 0 0 rg BT 261.13 423.50 Td (the ) Tj ET Q q 0 0 0 rg BT 280.86 423.50 Td (specific ) Tj ET Q q 0 0 0 rg BT 323.93 423.50 Td (strategies ) Tj ET Q q 0 0 0 rg BT 379.01 423.50 Td (and ) Tj ET Q q 0 0 0 rg BT 402.08 423.50 Td (choices ) Tj ET Q q 0 0 0 rg BT 445.82 423.50 Td (made ) Tj ET Q q 0 0 0 rg BT 478.89 423.50 Td (and ) Tj ET Q q 0 0 0 rg BT 501.96 423.50 Td (undertaken ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (in ) Tj ET Q q 0 0 0 rg BT 62.67 409.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.69 409.10 Td (course ) Tj ET Q q 0 0 0 rg BT 122.04 409.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.38 409.10 Td (an ) Tj ET Q q 0 0 0 rg BT 152.06 409.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 187.42 409.10 Td (resolution.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 382.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 71.55 382.70 Td (and ) Tj ET Q q 0 0 0 rg BT 93.35 382.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 114.90 382.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 144.47 382.70 Td (considered ) Tj ET Q q 0 0 0 rg BT 205.40 382.70 Td (a ) Tj ET Q q 0 0 0 rg BT 214.29 382.70 Td (variety ) Tj ET Q q 0 0 0 rg BT 251.85 382.70 Td (of ) Tj ET Q q 0 0 0 rg BT 264.07 382.70 Td (strategies ) Tj ET Q q 0 0 0 rg BT 318.32 382.70 Td (or ) Tj ET Q q 0 0 0 rg BT 331.20 382.70 Td (options ) Tj ET Q q 0 0 0 rg BT 372.12 382.70 Td (during ) Tj ET Q q 0 0 0 rg BT 407.69 382.70 Td (the ) Tj ET Q q 0 0 0 rg BT 426.59 382.70 Td (development ) Tj ET Q q 0 0 0 rg BT 497.52 382.70 Td (of ) Tj ET Q q 0 0 0 rg BT 509.74 382.70 Td (the ) Tj ET Q q 0 0 0 rg BT 528.64 382.70 Td (Plans. ) Tj ET Q q 0 0 0 rg BT 565.33 382.70 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 368.30 Td (Each ) Tj ET Q q 0 0 0 rg BT 80.69 368.30 Td (of ) Tj ET Q q 0 0 0 rg BT 94.03 368.30 Td (those ) Tj ET Q q 0 0 0 rg BT 126.72 368.30 Td (strategies ) Tj ET Q q 0 0 0 rg BT 182.08 368.30 Td (or ) Tj ET Q q 0 0 0 rg BT 196.08 368.30 Td (options ) Tj ET Q q 0 0 0 rg BT 238.11 368.30 Td (considered:) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 341.90 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 341.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 341.90 Td (The ) Tj ET Q q 0 0 0 rg BT 110.01 341.90 Td (dif) Tj ET Q q 0 0 0 rg BT 122.47 341.90 Td (ferent ) Tj ET Q q 0 0 0 rg BT 156.49 341.90 Td (insolvency ) Tj ET Q q 0 0 0 rg BT 215.85 341.90 Td (regimes ) Tj ET Q q 0 0 0 rg BT 261.86 341.90 Td (to ) Tj ET Q q 0 0 0 rg BT 275.21 341.90 Td (which ) Tj ET Q q 0 0 0 rg BT 309.22 341.90 Td (the ) Tj ET Q q 0 0 0 rg BT 329.23 341.90 Td (Material ) Tj ET Q q 0 0 0 rg BT 375.25 341.90 Td (Entities ) Tj ET Q q 0 0 0 rg BT 417.93 341.90 Td (would ) Tj ET Q q 0 0 0 rg BT 452.62 341.90 Td (be ) Tj ET Q q 0 0 0 rg BT 469.30 341.90 Td (subject) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 313.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 313.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 313.10 Td (The ) Tj ET Q q 0 0 0 rg BT 109.16 313.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 170.35 313.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 202.83 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.83 313.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 244.94 313.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 296.11 313.10 Td (and ) Tj ET Q q 0 0 0 rg BT 318.62 313.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 385.80 313.10 Td (\() Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 389.80 313.10 Td (e.g.,) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 413.15 313.10 Td ( ) Tj ET Q q 0 0 0 rg BT 415.63 313.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 462.81 313.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 509.33 313.10 Td (contracts\) ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 298.70 Td (with ) Tj ET Q q 0 0 0 rg BT 114.97 298.70 Td (counterparties, ) Tj ET Q q 0 0 0 rg BT 201.98 298.70 Td (how ) Tj ET Q q 0 0 0 rg BT 231.63 298.70 Td (those ) Tj ET Q q 0 0 0 rg BT 268.62 298.70 Td (contracts ) Tj ET Q q 0 0 0 rg BT 324.94 298.70 Td (would ) Tj ET Q q 0 0 0 rg BT 363.92 298.70 Td (be ) Tj ET Q q 0 0 0 rg BT 384.91 298.70 Td (af) Tj ET Q q 0 0 0 rg BT 394.70 298.70 Td (fected ) Tj ET Q q 0 0 0 rg BT 435.02 298.70 Td (and ) Tj ET Q q 0 0 0 rg BT 462.67 298.70 Td (the ) Tj ET Q q 0 0 0 rg BT 486.99 298.70 Td (actions ) Tj ET Q q 0 0 0 rg BT 532.64 298.70 Td (those ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 284.30 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 165.38 284.30 Td (might ) Tj ET Q q 0 0 0 rg BT 198.05 284.30 Td (take ) Tj ET Q q 0 0 0 rg BT 224.07 284.30 Td (in ) Tj ET Q q 0 0 0 rg BT 236.74 284.30 Td (response ) Tj ET Q q 0 0 0 rg BT 289.44 284.30 Td (to ) Tj ET Q q 0 0 0 rg BT 302.12 284.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 333.08 284.30 Td (material ) Tj ET Q q 0 0 0 rg BT 379.10 284.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 426.46 284.30 Td (distress) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 255.50 Td (Finally) Tj ET Q q 0 0 0 rg BT 83.79 255.50 Td (, ) Tj ET Q q 0 0 0 rg BT 90.45 255.50 Td (the ) Tj ET Q q 0 0 0 rg BT 110.47 255.50 Td (Plans ) Tj ET Q q 0 0 0 rg BT 143.82 255.50 Td (themselves ) Tj ET Q q 0 0 0 rg BT 207.85 255.50 Td (have ) Tj ET Q q 0 0 0 rg BT 237.20 255.50 Td (been ) Tj ET Q q 0 0 0 rg BT 267.23 255.50 Td (developed ) Tj ET Q q 0 0 0 rg BT 325.95 255.50 Td (to ) Tj ET Q q 0 0 0 rg BT 339.29 255.50 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 376.63 255.50 Td (the ) Tj ET Q q 0 0 0 rg BT 396.65 255.50 Td (following ) Tj ET Q q 0 0 0 rg BT 446.67 255.50 Td (requirements:) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 229.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 229.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 229.10 Td (Ensure ) Tj ET Q q 0 0 0 rg BT 127.38 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.43 229.10 Td (rapid ) Tj ET Q q 0 0 0 rg BT 177.47 229.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.86 229.10 Td (orderly ) Tj ET Q q 0 0 0 rg BT 240.90 229.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 296.29 229.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.99 229.10 Td (Ally ) Tj ET Q q 0 0 0 rg BT 331.69 229.10 Td (in ) Tj ET Q q 0 0 0 rg BT 344.39 229.10 Td (a ) Tj ET Q q 0 0 0 rg BT 354.43 229.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 398.48 229.10 Td (that ) Tj ET Q q 0 0 0 rg BT 421.85 229.10 Td (avoids ) Tj ET Q q 0 0 0 rg BT 459.90 229.10 Td (systemic ) Tj ET Q q 0 0 0 rg BT 509.93 229.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 531.96 229.10 Td (to ) Tj ET Q q 0 0 0 rg BT 545.33 229.10 Td (the ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 214.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 112.67 214.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 160.03 214.70 Td (system ) Tj ET Q q 0 0 0 rg BT 201.37 214.70 Td (and ) Tj ET Q q 0 0 0 rg BT 224.73 214.70 Td (the ) Tj ET Q q 0 0 0 rg BT 244.74 214.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 271.41 214.70 Td (economy) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 185.90 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 185.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 185.90 Td (Protect ) Tj ET Q q 0 0 0 rg BT 126.69 185.90 Td (Ally ) Tj ET Q q 0 0 0 rg BT 149.36 185.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 180.04 185.90 Td (in ) Tj ET Q q 0 0 0 rg BT 192.72 185.90 Td (the ) Tj ET Q q 0 0 0 rg BT 212.73 185.90 Td (event ) Tj ET Q q 0 0 0 rg BT 245.42 185.90 Td (one ) Tj ET Q q 0 0 0 rg BT 268.78 185.90 Td (or ) Tj ET Q q 0 0 0 rg BT 282.78 185.90 Td (more ) Tj ET Q q 0 0 0 rg BT 313.46 185.90 Td (of ) Tj ET Q q 0 0 0 rg BT 326.13 185.90 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 357.10 185.90 Td (other ) Tj ET Q q 0 0 0 rg BT 387.78 185.90 Td (Material ) Tj ET Q q 0 0 0 rg BT 433.79 185.90 Td (Entities ) Tj ET Q q 0 0 0 rg BT 476.48 185.90 Td (fails) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 157.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 157.10 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 157.10 Td (Minimize ) Tj ET Q q 0 0 0 rg BT 136.67 157.10 Td (disruption ) Tj ET Q q 0 0 0 rg BT 192.04 157.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.72 157.10 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 235.68 157.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 294.36 157.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.71 157.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.06 157.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.07 157.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 398.43 157.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 444.44 157.10 Td (generally) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 128.30 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 128.30 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 128.30 Td (Ensure ) Tj ET Q q 0 0 0 rg BT 130.11 128.30 Td (that ) Tj ET Q q 0 0 0 rg BT 155.00 128.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 180.42 128.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 213.85 128.30 Td (continues ) Tj ET Q q 0 0 0 rg BT 271.31 128.30 Td (to ) Tj ET Q q 0 0 0 rg BT 287.40 128.30 Td (receive ) Tj ET Q q 0 0 0 rg BT 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377.97 697.10 Td (greatest ) Tj ET Q q 0 0 0 rg BT 424.48 697.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 460.32 697.10 Td (possible, ) Tj ET Q q 0 0 0 rg BT 510.83 697.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 552.00 697.10 Td (to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 682.70 Td (the ) Tj ET Q q 0 0 0 rg BT 106.02 682.70 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 159.39 682.70 Td (requirements) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 68.00 653.90 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.20 653.90 Td ( ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 86.00 653.90 Td (Ensure ) Tj ET Q q 0 0 0 rg BT 127.36 653.90 Td (the ) Tj ET Q q 0 0 0 rg BT 147.37 653.90 Td (continuation ) Tj ET Q q 0 0 0 rg BT 215.42 653.90 Td (and ) Tj ET Q q 0 0 0 rg BT 238.78 653.90 Td (funding ) Tj ET Q q 0 0 0 rg BT 281.48 653.90 Td (of ) Tj ET Q q 0 0 0 rg BT 294.82 653.90 Td (Critical ) Tj ET Q q 0 0 0 rg BT 334.82 653.90 Td (Operations ) Tj ET Q q 0 0 0 rg BT 396.86 653.90 Td (\(if ) Tj ET Q q 0 0 0 rg BT 410.19 653.90 Td (any\)) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (2. ) Tj ET Q q 0 0 0 rg BT 86.00 625.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 132.68 625.10 Td (165 ) Tj ET Q q 0 0 0 rg BT 156.03 625.10 Td (Plan ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 598.70 Td (In ) Tj ET Q q 0 0 0 rg BT 63.50 598.70 Td (the ) Tj ET Q q 0 0 0 rg BT 83.68 598.70 Td (unlikely ) Tj ET Q q 0 0 0 rg BT 127.19 598.70 Td (event ) Tj ET Q q 0 0 0 rg BT 160.04 598.70 Td (that ) Tj ET Q q 0 0 0 rg BT 182.85 598.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 205.68 598.70 Td (became ) Tj ET Q q 0 0 0 rg BT 251.87 598.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 293.38 598.70 Td (to ) Tj ET Q q 0 0 0 rg BT 306.89 598.70 Td (a ) Tj ET Q q 0 0 0 rg BT 317.05 598.70 Td (resolution, ) Tj ET Q q 0 0 0 rg BT 375.91 598.70 Td (the ) Tj ET Q q 0 0 0 rg BT 396.09 598.70 Td (Section ) Tj ET Q q 0 0 0 rg BT 439.61 598.70 Td (165 ) Tj ET Q q 0 0 0 rg BT 463.12 598.70 Td (Plan ) Tj ET Q q 0 0 0 rg BT 490.63 598.70 Td (contemplates ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 584.30 Td (that ) Tj ET Q q 0 0 0 rg BT 72.63 584.30 Td (Ally's ) Tj ET Q q 0 0 0 rg BT 103.53 584.30 Td (Material ) Tj ET Q q 0 0 0 rg BT 149.47 584.30 Td (Entities ) Tj ET Q q 0 0 0 rg BT 192.09 584.30 Td (other ) Tj ET Q q 0 0 0 rg BT 222.71 584.30 Td (than ) Tj ET Q q 0 0 0 rg BT 248.68 584.30 Td (Ally ) Tj ET Q q 0 0 0 rg BT 271.28 584.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 301.90 584.30 Td (and ) Tj ET Q q 0 0 0 rg BT 325.18 584.30 Td (MIC ) Tj ET Q q 0 0 0 rg BT 350.45 584.30 Td (would ) Tj ET Q q 0 0 0 rg BT 385.06 584.30 Td (seek ) Tj ET Q q 0 0 0 rg BT 413.68 584.30 Td (protection ) Tj ET Q q 0 0 0 rg BT 469.64 584.30 Td (under ) Tj ET Q q 0 0 0 rg BT 503.60 584.30 Td (Chapter ) Tj ET Q q 0 0 0 rg BT 549.56 584.30 Td (1) Tj ET Q q 0 0 0 rg BT 555.34 584.30 Td (1 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 569.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.13 569.90 Td (the ) Tj ET Q q 0 0 0 rg BT 82.93 569.90 Td 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Q q 0 0 0 rg BT 295.80 526.70 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 347.89 526.70 Td (LLC. ) Tj ET Q q 0 0 0 rg BT 375.97 526.70 Td ( ) Tj ET Q q 0 0 0 rg BT 378.17 526.70 Td (Ally ) Tj ET Q q 0 0 0 rg BT 400.24 526.70 Td (anticipates ) Tj ET Q q 0 0 0 rg BT 460.34 526.70 Td (that ) Tj ET Q q 0 0 0 rg BT 483.09 526.70 Td (the ) Tj ET Q q 0 0 0 rg BT 501.97 526.70 Td (Automotive ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 512.30 Td (Finance ) Tj ET Q q 0 0 0 rg BT 95.63 512.30 Td (Core ) Tj ET Q q 0 0 0 rg BT 124.57 512.30 Td (Business ) Tj ET Q q 0 0 0 rg BT 176.19 512.30 Td (Line ) Tj ET Q q 0 0 0 rg BT 201.81 512.30 Td (will ) Tj ET Q q 0 0 0 rg BT 221.41 512.30 Td (be ) Tj ET Q q 0 0 0 rg BT 237.69 512.30 Td (sold, ) Tj ET Q q 0 0 0 rg BT 265.97 512.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 306.93 512.30 Td (to ) Tj ET Q q 0 0 0 rg BT 319.87 512.30 Td (Bankruptcy ) Tj ET Q q 0 0 0 rg BT 382.83 512.30 Td (Court ) Tj ET Q q 0 0 0 rg BT 415.11 512.30 Td (approval, ) Tj ET Q q 0 0 0 rg BT 467.41 512.30 Td (under ) Tj ET Q q 0 0 0 rg BT 501.04 512.30 Td (section ) Tj ET Q q 0 0 0 rg BT 541.99 512.30 Td (363 ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 497.90 Td (of ) Tj ET Q q 0 0 0 rg BT 63.34 497.90 Td (the ) Tj ET Q q 0 0 0 rg BT 83.36 497.90 Td (Bankruptcy ) Tj ET Q q 0 0 0 rg BT 146.72 497.90 Td (Code.) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 471.50 Td (The Section 165 Plan assumes that the Director of the Michigan Department of Insurance and ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (Financial Services \(") Tj ET Q BT /F5 12.00 Tf ET 0 0 0 RG /GS0 gs 0.88 w 0 i [] 0 d 1 J 1 j 3 M 158.9609375 455.3890625 m 343.033203125 455.3890625 l s q 0 0 0 rg BT 158.96 457.10 Td (Michigan Insurance Commissioner) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 343.03 457.10 Td ("\) would initially impose administrative ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 442.70 Td (supervision with respect to MIC, and subsequently ask MIC) Tj ET Q q 0 0 0 rg BT 367.26 442.70 Td (s Board of Directors to consent to ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 428.30 Td (rehabilitation proceedings. ) Tj ET Q q 0 0 0 rg BT 196.54 428.30 Td (The Section 165 Plan assumes that MIC) Tj ET Q q 0 0 0 rg BT 413.77 428.30 Td (s Board of Directors ) Tj ET Q BT /F5 12.00 Tf ET q 0 0 0 rg BT 50.00 413.90 Td (consents to rehabilitation. 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