Ally Bank 2015 Annual Report Download - page 140
Download and view the complete annual report
Please find page 140 of the 2015 Ally Bank annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.DVSSFODZEFOPNJOBUFEBTTFUTBOEMJBCJMJUJFTBOENBSLFUSJTLTSFMBUFEUPPVSJOWFTUNFOUQPSUGPMJPBOEDFSUBJOPGPVSFYFDVUJWFTIBSFCBTFE
DPNQFOTBUJPOQMBOT
*OUFSFTU3BUF3JTL
8FNPOJUPSPVSNJYPGGJYFEBOEWBSJBCMFSBUFBTTFUTBOEMJBCJMJUJFT8IFOJUJTDPTUFGGFDUJWFUPEPTPXFNBZFOUFSJOUPJOUFSFTUSBUF
TXBQTGPSXBSETGVUVSFTPQUJPOTBOETXBQUJPOTUPBDIJFWFPVSEFTJSFENJYPGGJYFEBOEWBSJBCMFSBUFBTTFUTBOEMJBCJMJUJFT8FFYFDVUF
JOUFSFTUSBUFTXBQTGPSXBSETGVUVSFTPQUJPOTBOETXBQUJPOTUPNPEJGZPVSFYQPTVSFUPJOUFSFTUSBUFSJTLCZDPOWFSUJOHDFSUBJOGJYFESBUF
JOTUSVNFOUTUPBWBSJBCMFSBUFBOEDFSUBJOWBSJBCMFSBUFJOTUSVNFOUTUPBGJYFESBUF8FVTFBNJYPGCPUIEFSJWBUJWFTUIBURVBMJGZGPSIFEHF
BDDPVOUJOHUSFBUNFOUBOEFDPOPNJDIFEHFT
%FSJWBUJWFTRVBMJGZJOHGPSIFEHFBDDPVOUJOHDPOTJTUPGSFDFJWFGJYFETXBQTEFTJHOBUFEBTGBJSWBMVFIFEHFTPGTQFDJGJDGJYFESBUF
VOTFDVSFEEFCUPCMJHBUJPOTSFDFJWFGJYFETXBQTEFTJHOBUFEBTGBJSWBMVFIFEHFTPGTQFDJGJDGJYFESBUF'FEFSBM)PNF-PBO#BOL"EWBODFT
QBZGJYFETXBQTEFTJHOBUFEBTGBJSWBMVFIFEHFTPGTQFDJGJDQPSUGPMJPTPGGJYFESBUFIFMEGPSJOWFTUNFOUSFUBJMBVUPNPUJWFMPBOBTTFUTBOEQBZ
GJYFETXBQTEFTJHOBUFEBTDBTIGMPXIFEHFTPGUIFFYQFDUFEGVUVSFDBTIGMPXTJOUIFGPSNPGJOUFSFTUQBZNFOUTPODFSUBJOPVUTUBOEJOHWBSJBCMF
SBUFCPSSPXJOHTBTTPDJBUFEXJUIPVSTFDVSFEEFCU
8FBMTPFYFDVUFFDPOPNJDIFEHFTXIJDIDPOTJTUPGJOUFSFTUSBUFTXBQTBOEJOUFSFTUSBUFDBQTIFMEUPNJUJHBUFJOUFSFTUSBUFSJTLBTTPDJBUFE
XJUIPVSEFCUQPSUGPMJP8FBMTPVTFJOUFSFTUSBUFTXBQTUPFDPOPNJDBMMZIFEHFPVSOFUGJYFEWFSTVTWBSJBCMFJOUFSFTUSBUFFYQPTVSF8FFOUFS
JOUPFDPOPNJDIFEHFTJOUIFGPSNPGTIPSUEBUFEFYDIBOHFUSBEFE&VSPEPMMBSGVUVSFTUPIFEHFUIFJOUFSFTUSBUFFYQPTVSFPGPVSGJYFESBUF
BVUPNPUJWFMPBOTBTXFMMBTGPSXBSETPQUJPOTBOETXBQUJPOTUPFDPOPNJDBMMZIFEHFPVSOFUGJYFEWFSTVTWBSJBCMFJOUFSFTUSBUFFYQPTVSF
'PSFJHO&YDIBOHF3JTL
8FFOUFSJOUPEFSJWBUJWFGJOBODJBMJOTUSVNFOUDPOUSBDUTUPNJUJHBUFUIFSJTLBTTPDJBUFEXJUIWBSJBCJMJUZJODBTIGMPXTSFMBUFEUPPVSWBSJPVT
GPSFJHODVSSFODZFYQPTVSFT
8FFOUFSJOUPGPSFJHODVSSFODZGPSXBSETXJUIFYUFSOBMDPVOUFSQBSUJFTBTOFUJOWFTUNFOUIFEHFTPGGPSFJHOFYDIBOHFFYQPTVSFPOPVS
JOWFTUNFOUTJOGPSFJHOTVCTJEJBSJFT0VSFRVJUZJTJNQBDUFECZUIFDVNVMBUJWFUSBOTMBUJPOBEKVTUNFOUTSFTVMUJOHGSPNUIFUSBOTMBUJPOPGGPSFJHO
TVCTJEJBSZSFTVMUTUIJTJNQBDUJTSFGMFDUFEJOPVSBDDVNVMBUFEPUIFSDPNQSFIFOTJWFJODPNFMPTT
0VSSFNBJOJOHGPSFJHOTVCTJEJBSJFTJOXJOEEPXONBJOUBJOCPUIBTTFUTBOEMJBCJMJUJFTJOMPDBMDVSSFODJFT5IFTFMPDBMDVSSFODJFTBSF
HFOFSBMMZUIFTVCTJEJBSJFTGVODUJPOBMDVSSFODJFTGPSBDDPVOUJOHQVSQPTFT'PSFJHODVSSFODZFYDIBOHFSBUFHBJOTBOEMPTTFTBSJTFXIFOUIF
BTTFUTPSMJBCJMJUJFTPGPVSTVCTJEJBSJFTBSFEFOPNJOBUFEJODVSSFODJFTUIBUEJGGFSGSPNJUTGVODUJPOBMDVSSFODZ8FFOUFSJOUPFDPOPNJDIFEHFTUP
NJUJHBUFUIJTSJTL
8FBMTPFOUFSJOUPGPSFJHODVSSFODZGPSXBSETUPFDPOPNJDBMMZIFEHFPVSGPSFJHOEFOPNJOBUFEEFCUPVSDFOUSBMJ[FEMFOEJOHQSPHSBNBOE
GPSFJHOEFOPNJOBUFEUIJSEQBSUZMPBOT5IFIFEHFPGGPSFJHOEFOPNJOBUFEEFCUXBTFOUFSFEJOUPDPODVSSFOUXJUIUIFEFCUJTTVBODFXJUIUIF
UFSNTPGUIFEFSJWBUJWFNBUDIJOHUIFUFSNTPGUIFVOEFSMZJOHEFCU5IFDFOUSBMJ[FEMFOEJOHQSPHSBNNBOBHFTMJRVJEJUZGPSPVSTVCTJEJBSZ
CVTJOFTTFTCVUBTPG%FDFNCFSUIJTBDUJWJUZJTJNNBUFSJBM'PSFJHODVSSFODZEFOPNJOBUFEMPBOBHSFFNFOUTBSFFYFDVUFEXJUIPVS
GPSFJHOTVCTJEJBSJFTJOUIFJSMPDBMDVSSFODJFT8FFWBMVBUFPVSGPSFJHODVSSFODZFYQPTVSFSFTVMUJOHGSPNJOUFSDPNQBOZMFOEJOHBOENBOBHFPVS
DVSSFODZSJTLFYQPTVSFCZFOUFSJOHJOUPGPSFJHODVSSFODZEFSJWBUJWFTXJUIFYUFSOBMDPVOUFSQBSUJFT0VSSFNBJOJOHGPSFJHODVSSFODZEFSJWBUJWFT
TVDIBTIFEHFTPGGPSFJHOEFOPNJOBUFEUIJSEQBSUZMPBOTBSFSFDPSEFEBUGBJSWBMVFXJUIDIBOHFTSFDPSEFEBTJODPNFPGGTFUUJOHUIFHBJOTBOE
MPTTFTPOUIFBTTPDJBUFEGPSFJHODVSSFODZUSBOTBDUJPOT
8FVUJMJ[FEBDSPTTDVSSFODZTXBQUPFDPOPNJDBMMZIFEHFGPSFJHOFYDIBOHFFYQPTVSFPOGPSFJHODVSSFODZEFOPNJOBUFEEFCUCZ
DPOWFSUJOHUIFGVOEJOHDVSSFODZUPPVSGVODUJPOBMDVSSFODZ5IJTTXBQXBTFOUFSFEJOUPDPODVSSFOUXJUIUIFEFCUJTTVBODFXJUIUIFUFSNTPGUIF
EFSJWBUJWFNBUDIJOHUIFUFSNTPGUIFVOEFSMZJOHEFCU5IJTTXBQNBUVSFEEVSJOHUIFTFDPOERVBSUFSPG
.BSLFU3JTL
8FFOUFSJOUPFRVJUZPQUJPOTUPFDPOPNJDBMMZIFEHFPVSFYQPTVSFUPUIFFRVJUZNBSLFUT8FQVSDIBTFPQUJPOTUPBTTVNFBMPOHQPTJUJPO
PODFSUBJOFRVJUJFTBOEXSJUFPQUJPOTUPBTTVNFBTIPSUQPTJUJPO
8FBMTPFOUFSJOUPQSFQBJEFRVJUZGPSXBSEDPOUSBDUTUPFDPOPNJDBMMZIFEHFUIFQSJDFSJTLBTTPDJBUFEXJUIDFSUBJOPGPVSFYFDVUJWFTIBSF
CBTFEDPNQFOTBUJPOQMBOT5IFQSFQBJEFRVJUZGPSXBSEDPOUSBDUTBSFIZCSJEJOTUSVNFOUTDPOUBJOJOHBOFNCFEEFEGPSXBSEDPOUSBDUXIJDIJT
DPOTJEFSFEBEFSJWBUJWFJOTUSVNFOU5IFFNCFEEFEEFSJWBUJWFJOTUSVNFOUJTCJGVSDBUFEGSPNUIFIPTUDPOUSBDUBOEJTSFDPSEFEBUGBJSWBMVFXJUI
DIBOHFTJOGBJSWBMVFSFDPSEFEJODPNQFOTBUJPOBOECFOFGJUTFYQFOTF5IFCBMBODFPGUIFQSFQBJEDPNQPOFOUPGUIFTFFRVJUZGPSXBSEDPOUSBDUT
XBTNJMMJPOBTPG%FDFNCFSBOEXBTSFDPSEFEXJUIJOPUIFSBTTFUTPOUIF$POTPMJEBUFE#BMBODF4IFFU
$PVOUFSQBSUZ$SFEJU3JTL
%FSJWBUJWFGJOBODJBMJOTUSVNFOUTDPOUBJOBOFMFNFOUPGDSFEJUSJTLJGDPVOUFSQBSUJFTBSFVOBCMFUPNFFUUIFUFSNTPGUIFBHSFFNFOUT$SFEJU
SJTLBTTPDJBUFEXJUIEFSJWBUJWFGJOBODJBMJOTUSVNFOUTJTNFBTVSFEBTUIFOFUSFQMBDFNFOUDPTUTIPVMEUIFDPVOUFSQBSUJFTUIBUPXFVTVOEFSUIF
DPOUSBDUDPNQMFUFMZGBJMUPQFSGPSNVOEFSUIFUFSNTPGUIPTFDPOUSBDUTOFUPGVOEFSMZJOHDPMMBUFSBMBTNFBTVSFECZUIFNBSLFUWBMVFPGUIF
EFSJWBUJWFGJOBODJBMJOTUSVNFOU
/PUFTUP$POTPMJEBUFE'JOBODJBM4UBUFNFOUT
"MMZ'JOBODJBM*ODd'PSN,