Document:

EX-4.A

 

EXHIBIT 4(a)

CERTIFICATE

     I, Thomas D. Graber, Vice President, Secretary and General Counsel of American General Finance
Corporation, an Indiana corporation (the “Company”), do hereby certify that attached hereto is a
true copy of resolutions duly adopted by a duly authorized and appointed committee of the Board of
Directors of the Company by unanimous written consent on August 7, 2006, and such
resolutions have not been amended, modified or rescinded and remain in full force and effect.

IN WITNESS WHEREOF, I have hereunto signed my name.

Dated: August 14, 2006

	 	 	 	 	 
	 

	 	/s/ Thomas D. Graber
	 	 
	 

	 	 	 	 
	 

	 	Thomas D. Graber

Vice President, Secretary

and General Counsel	 	 

 

 

RESOLUTIONS AUTHORIZING MEDIUM-TERM NOTES, SERIES J

     We, the undersigned, being each and every member of the Terms and Pricing Committee of the
Board of Directors of American General Finance Corporation, a corporation duly organized and
existing under the laws of Indiana (the “Company”), do hereby unanimously consent to the approval
and adoption of the resolutions set forth below, and by signing this consent, the Terms and Pricing
Committee will be deemed to have acted with the same force and effect as though a meeting were duly
held for the purpose of taking action regarding the following resolutions: 

     WHEREAS, this Terms and Pricing Committee previously has authorized the
creation, issuance and sale of up to $15,000,000,000 aggregate principal amount of
the Company’s debt securities (the “Debt Securities”), which are to be issued
under an Indenture, dated as of May 1, 1999 (the “Indenture”), between the Company
and Wilmington Trust Company (as successor trustee to Citibank, N.A.), as Trustee
(the “Trustee”), and which Debt Securities have been registered under the
Securities Act of 1933 on the Company’s Registration Statement on Form S-3
(Registration No. 333-136056) which was filed and became automatically effective
with the Securities and Exchange Commission on July 26, 2006 (the “Registration
Statement”);

     WHEREAS, Citibank, N.A. serves as Paying Agent, Security Registrar and
Authenticating Agent under the Indenture; and

     WHEREAS, this Terms and Pricing Committee now desires to create a series of
Debt Securities and to authorize the issuance and sale thereof from time to time
under a medium-term note program;

     1. Approval of Terms of Medium-Term Notes.

     NOW, THEREFORE, BE IT RESOLVED, that this Terms and Pricing Committee hereby
authorizes and approves the creation by the Company of a series of Debt
Securities, the execution on behalf of the Company of such series of Debt
Securities, the delivery of such series of Debt Securities to the Trustee, the
authentication thereof by the Trustee (or a duly authorized agent of the Trustee),
and the delivery thereof by the Trustee pursuant to a Company Order (as defined in
the Indenture; and any terms used herein in initially capitalized form but not
defined herein shall have the meanings given to them in the Indenture), all in
accordance with Article Three of the Indenture and with the procedures set forth
in the Indenture and in the administrative procedure hereinafter approved (the
“Administrative Procedure”) as follows:

     a. Title.

     The title of such series of Debt Securities shall be “Medium-Term Notes,
Series J” (the “Notes”);

 

 

b. Aggregate Principal Amount.

     The aggregate principal amount of the Notes which may be authenticated and
delivered under the Indenture shall not exceed $15,000,000,000, or the equivalent
thereof in one or more foreign currencies, including the Euro, and any composite
currency; such amount to be reduced by the aggregate principal amount of any other
Debt Securities issued under the Registration Statement. For purposes of
calculating the issue price of Notes denominated in a foreign currency to be
applied against the amount of Notes authorized, such Notes shall have an issue
price in U.S. dollars determined by Citibank, N.A., as Paying Agent, using the
noon buying rate in The City of New York for cable transfers in foreign currencies
as certified (or if not so certified, as otherwise determined) for customs
purposes by The Federal Reserve Bank of New York;

     c. Type of Security.

     The Notes shall be issued as Registered Securities pursuant to the Indenture;
and the Notes may be issued, as determined by any two Authorized Officers (as
named below), either in certificated form or in book-entry form; and beneficial
owners of interests in any Notes issued in book-entry form may exchange such
interests for Notes in certificated form only under the circumstances, and on the
terms and conditions, as may be determined by any two Authorized Officers;

     d. Maturity Date.

     Each Note shall have a Stated Maturity on which the principal of the Note is
payable, as determined by any two Authorized Officers in accordance with the
Administrative Procedure, which Stated Maturity may vary among the Notes and, in
the case of extendible maturity notes, may be extended; provided,
however, that each Stated Maturity shall not be less than nine months from
date of issue;

     e. Interest, Principal Amount and Currency

     Each Note shall be issued in a principal amount and in a currency determined
by any two Authorized Officers in accordance with the Indenture and the
Administrative Procedure; each interest bearing Note shall bear interest from its
date of issue at either a fixed rate (a “Fixed Rate Note”) or a floating rate
determined by reference to such interest rate basis, bases or formula as may be
determined by any two Authorized Officers and calculated in the manner described
in one or more prospectus supplements or pricing supplements relating to the Notes
(each a “Prospectus Supplement”) to the prospectus constituting a part of the
Registration Statement (the “Prospectus”) and in accordance with the
Administrative Procedure (a “Floating Rate Note,” which term shall include any
Note bearing interest with reference to both a floating rate and a fixed rate);
all determinations regarding whether a Note is a Fixed Rate Note or a Floating
Rate Note and, subject to the provisions

 

 

established by these resolutions, all other determinations regarding interest
on the Notes shall be made by any two Authorized Officers in accordance with the
Indenture and the Administrative Procedure; and principal amounts and interest
terms may vary among the Notes;

     f. Issue Date.

     Each Note shall be issued on and dated such date as may be determined by any
two Authorized Officers in accordance with the Administrative Procedure, which
date may vary among the Notes;

     g. Interest Payment Dates and Record Dates.

     The Interest Payment Dates on which interest on each Fixed Rate Note shall be
payable shall be March 1 and September 1 of each year, unless otherwise determined
by any two Authorized Officers, and at Maturity of the Fixed Rate Note; interest
payments on a Floating Rate Note shall be made on such dates as are provided in
the applicable Floating Rate Note as determined by any two Authorized Officers in
accordance with the provisions of the Indenture and the Administrative Procedure;
and, unless otherwise determined by any two Authorized Officers, the Regular
Record Date for the payment of interest on any Note shall be the fifteenth
calendar day (whether or not a Business Day) prior to each such Interest Payment
Date;

     h. Place and Manner of Payment.

     Payment of the principal of, and premium and interest, if any, on the Notes
shall be made at the places and in the manner approved by any two Authorized
Officers in accordance with the provisions of the Indenture and the Administrative
Procedure;

     i. Redemption or Repayment.

     The Notes shall not be redeemable or repayable prior to the Stated Maturity
thereof unless otherwise determined with respect to specific Notes by any two
Authorized Officers and unless so specified in a Prospectus Supplement, in which
case such specific Notes shall be redeemable or repayable at the times or upon the
events determined by such Authorized Officers and in accordance with the
provisions set forth in such Notes and Prospectus Supplement and in the Indenture;

     j. Sinking Fund.

     The Notes shall not be entitled to any sinking fund unless otherwise
determined with respect to specific Notes by any two Authorized Officers and
unless so specified in a Prospectus Supplement, in which case such specific Notes
shall be entitled to a sinking fund at the times or upon the events determined by
such Authorized Officers and in accordance with the provisions set forth in such
Notes and Prospectus Supplement and in the Indenture;

 

 

k. Denominations.

     The Notes shall be issuable in denominations of $1,000 or any amount in
excess thereof which is an integral multiple of $1,000 (or such other authorized
denominations in a specified currency other than United States dollars as shall be
determined by any two Authorized Officers);

     l. Book-entry.

     Unless otherwise determined with respect to specific Notes by any two
Authorized Officers, all of the Notes shall be issued in book-entry form pursuant
to the book-entry system described in a Prospectus Supplement and the accompanying
Prospectus;

     m. Forms of Book-entry Securities.

     The forms of book-entry securities for Fixed Rate Notes and Floating Rate
Notes attached to this written consent as Exhibits A-1 and A-2, respectively, and
the terms and provisions of such Notes set forth therein (including, without
limitation, the terms and provisions with respect to the payment of principal and
interest and with respect to optional redemption, optional repayment and sinking
fund payments), hereby are approved in all respects; and, unless otherwise
determined by any two Authorized Officers in accordance with the authority granted
to them pursuant to these resolutions, such forms of security shall be used for,
and such terms and provisions shall apply to, each Fixed Rate Note and Floating
Rate Note, respectively, issued in book-entry form (it being understood that such
optional redemption, optional repayment and sinking fund terms shall not be
applicable to any Note unless otherwise determined by any two Authorized Officers
and unless so specified in a Prospectus Supplement);

     n. Forms of Certificated Securities.

     The forms of certificated securities for Fixed Rate Notes and Floating Rate
Notes, and the terms and provisions for such Notes to be set forth therein, shall
be as determined from time to time by any two Authorized Officers in accordance
with the authority granted to them pursuant to these resolutions;

     o. Additional Types of Notes.

     The Notes may be issued as discount notes, indexed notes, extendible maturity
notes and amortizing notes and, subject to the provisions established by these
resolutions, all determinations regarding the terms of such Notes shall be made by
any two Authorized Officers in accordance with the Indenture and the
Administrative Procedure and all amounts payable with respect to such Notes shall
be calculated in a manner described in such Notes and in one or more Prospectus
Supplements; the forms of book-entry and certificated securities for such

 

 

Notes, and the terms and provisions to be set forth therein, shall be as
determined from time to time by any two Authorized Officers in accordance with the
authority granted to them pursuant to these resolutions; and

     p. Miscellaneous.

     In all other respects, the Notes shall have the terms to be established and
reestablished from time to time by any two Authorized Officers; and be it

     2. Authentication and Delivery of Notes.

     FURTHER RESOLVED, that any one Authorized Officer be, and each of them hereby
is, authorized and directed to cause the Trustee to complete and authenticate
Notes in the form or forms and in the aggregate principal amount specified in
paragraph 1 above in such denominations and registered in such names as shall
hereafter be requested in accordance with a Company Order to the Trustee, and to
deliver said authenticated Notes in accordance with said Company Order and the
Administrative Procedure, and otherwise to act with respect to the Notes in
accordance with the Company Order and the Administrative Procedure; and be it

     3. Distribution Agreement.

     FURTHER RESOLVED, that the Authorized Officers are hereby authorized to
establish the form, terms and provisions of the Distribution Agreement relating to
the sale of Notes to or through agents (the “Agents”) to be entered into among the
Agents and the Company (the “Distribution Agreement”), and that any two Authorized
Officers be, and they hereby are, authorized in the name and on behalf of the
Company to execute and deliver, in such number of counterparts as such Authorized
Officers deem advisable, the Distribution Agreement in such form, and containing
such terms and provisions, as the Authorized Officers executing the same shall
approve, such approval to be conclusively evidenced by their execution and
delivery thereof; and be it

     4. Administrative Procedure.

     FURTHER RESOLVED, that the Authorized Officers are hereby authorized to
establish the forms, terms and provisions of the Administrative Procedure relating
to the sale of Notes to or through the Agents, and that the appropriate officers
of the Company be, and they hereby are, authorized to act in accordance with such
Administrative Procedure in such form and containing such terms and provisions, as
any two Authorized Officers shall approve; and be it

     5. Calculation Agent Agreement.

 

 

     FURTHER RESOLVED, that the Authorized Officers are hereby authorized to
establish the form, terms and provisions of the Calculation Agent Agreement
relating to the calculation of interest rates and amounts payable on Floating Rate
Notes, to be entered into between the Company and Citibank, N.A. as calculation
agent, and that any two Authorized Officers be, and they hereby are, authorized in
the name and on behalf of the Company to execute and deliver, in such number of
counterparts as such Authorized Officers deem advisable, the Calculation Agent
Agreement in such form, and containing such terms and provisions, as the
Authorized Officers executing the same shall approve, such approval to be
conclusively evidenced by their execution and delivery thereof; and be it

     6. Exchange Rate Agency Agreement

     FURTHER RESOLVED, that the Authorized Officers are hereby authorized to
establish the form, terms and provisions of one or more Exchange Rate Agency
Agreements relating to the calculation of exchange rates between U.S. dollars and
foreign currencies in which Notes may be denominated and payable, to be entered
into between the Company and Citibank, N.A. as exchange rate agent, and that any
two Authorized Officers be, and they hereby are, authorized in the name and on
behalf of the Company to execute and deliver, in such number of counterparts as
such Authorized Officers deem advisable, any Exchange Rate Agency Agreement in
such form, and containing such terms and provisions, as the Authorized Officers
executing the same shall approve, such approval to be conclusively evidenced by
their execution and delivery thereof; and be it

     7. Letter of Representations.

     FURTHER RESOLVED, that the Authorized Officers are hereby authorized to
establish the form, terms and provisions of the Letter of Representations relating
to certain matters arising in connection with the issuance of Notes, to be entered
into among the Company, Citibank, N.A. and The Depository Trust Company, and that
any one Authorized Officer be, and each of them hereby is, authorized in the name
and on behalf of the Company to execute and deliver, in such number of
counterparts as such Authorized Officer deems advisable, the Letter of
Representations in such form, and containing such terms and provisions, as the
Authorized Officer executing the same shall approve, such approval to be
conclusively evidenced by such Authorized Officer’s execution and delivery
thereof; and be it

     8. Authorized Officers.

     FURTHER RESOLVED, that the Chairman, the Chief Executive Officer, the
President, the Chief Financial Officer, the Secretary, the Treasurer and any
Assistant Treasurer of the Company be, and each of them hereby is, appointed as an
Authorized Officer, and that any two Authorized Officers be, and hereby are,
authorized to make all

 

 

determinations and to do and prepare all such acts or things, and to execute,
deliver, and file such documents or instruments as may be necessary or appropriate
in order to carry out fully the purposes and intent of the foregoing resolutions,
except that any one Authorized Officer, acting alone, shall be authorized to take
the actions specified in paragraphs 2 and 7 above; and be it

     9. Further Miscellaneous Authority.

     FURTHER RESOLVED, that the appropriate officers of the Company be, and each
of them hereby is, authorized to do and perform all such acts or things, and to
execute, deliver, and file such documents or instruments as such officer may deem
necessary or appropriate in order to carry out fully the purpose and intent of the
foregoing resolutions.EX-4.B

 

EXHIBIT 4(b)

[SPECIMEN]

THIS NOTE IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND
IS REGISTERED IN THE NAME OF A DEPOSITORY OR A NOMINEE THEREOF. UNLESS AND UNTIL IT IS EXCHANGED
FOR NOTES IN CERTIFICATED FORM, THIS NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE
DEPOSITORY TO A NOMINEE OF THE DEPOSITORY OR BY A NOMINEE OF THE DEPOSITORY TO THE DEPOSITORY OR
ANOTHER NOMINEE OF THE DEPOSITORY OR BY THE DEPOSITORY OR ANY SUCH NOMINEE TO A SUCCESSOR
DEPOSITORY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITORY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN
AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE
ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED
IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED
BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.

	 	 	 
	REGISTERED

	 	PRINCIPAL AMOUNT:
	No.
	 	 

CUSIP:

GLOBAL SECURITY

AMERICAN GENERAL FINANCE CORPORATION

FIXED RATE

MEDIUM-TERM NOTE, SERIES J

	 	 	 
	ORIGINAL ISSUE DATE:

	 	INITIAL REDEMPTION DATE:
	 
	 	 
	STATED MATURITY:

	 	INITIAL REDEMPTION PERCENTAGE:
	 
	 	 
	INTEREST RATE:

	 	ANNUAL REDEMPTION PERCENTAGE REDUCTION:

SPECIFIED CURRENCY (If other than U.S. dollars):

EXCHANGE RATE AGENT (If Specified Currency is other than U.S. dollars):

AUTHORIZED DENOMINATIONS (If other than U.S.$100,000 and integral multiples of U.S.$1,000 in
excess thereof):

	 	 	 
	INTEREST PAYMENT DATE(S):

	 	ADDENDUM ATTACHED:
	 
	 	 
	 

	 	o Yes
	 

	 	o No
	 
	 	 
	OPTIONAL REPAYMENT DATE(S):

	 	     OTHER PROVISIONS:

 

 

     AMERICAN GENERAL FINANCE CORPORATION, an Indiana corporation (the “Company”, which
term includes any successor corporation under the Indenture referred to herein), for value
received, hereby promises to pay to CEDE & CO., or registered assigns, the principal amount
specified above in the currency specified above (the “Specified Currency”) on the Stated Maturity
specified above (except to the extent redeemed, repaid or accelerated prior to the Stated
Maturity), and to pay interest thereon in the Specified Currency at the Interest Rate per annum
specified above, computed on the basis of a 360-day year consisting of twelve 30-day months,
until the principal hereof is paid or duly made available for payment. References herein to “this
Note”, “hereof”, “herein” and comparable terms shall include an Addendum hereto if an Addendum is
specified above.

     The Company will pay interest on each Interest Payment Date specified above, commencing on
the first Interest Payment Date next succeeding the Original Issue Date specified above, unless
the Original Issue Date occurs after a Regular Record Date (as defined below) and on or before
the next succeeding Interest Payment Date, in which case commencing on the second Interest
Payment Date succeeding the Original Issue Date, and on the Stated Maturity or any Redemption
Date or Optional Repayment Date (each as defined below) (the date of each such Stated Maturity,
Redemption Date and Optional Repayment Date and the date on which principal is due and payable by
acceleration pursuant to the Indenture (as defined below) being referred to hereinafter as a
“Maturity” with respect to principal payable on such date). Interest on this Note will accrue
from and including the most recent Interest Payment Date to which interest has been paid or duly
provided for or, if no interest has been paid or duly provided for, from and including the
Original Issue Date specified above, to but excluding the applicable Interest Payment Date or
Maturity, as the case may be, until the principal hereof has been paid or duly made available for
payment. If the Maturity or an Interest Payment Date (each a “Payment Date”) falls on a day that
is not a Business Day (as defined below), principal, premium, if any, and interest payable with
respect to such Payment Date will be paid on the next succeeding Business Day with the same force
and effect as if made on such Payment Date, and no interest shall accrue with respect to such
payment for the period from and after such Payment Date. The interest so payable and punctually
paid or duly provided for on any Interest Payment Date will be paid to the Person in whose name
this Note (or one or more Predecessor Securities) is registered at the close of business on the
Regular Record Date for such Interest Payment Date (the “Holder”), which shall be the fifteenth
calendar day (whether or not a Business Day) next preceding such Interest Payment Date. Any such
interest which is payable but not punctually paid or duly provided for on any Interest Payment
Date (herein called “Defaulted Interest”), shall forthwith cease to be payable to the Holder on
such Regular Record Date and may be paid to the Person in whose name this Note (or one or more
Predecessor Securities) is registered at the close of business on a Special Record Date for the
payment of such Defaulted Interest to be fixed by the Trustee, notice whereof shall be given to
the Holder of this Note not less than 10 days prior to such Special Record Date, or may be paid
at any time in any other lawful manner, all as more fully provided in the Indenture.

     For purposes of this Note, “Business Day” means any day, other than a Saturday or Sunday,
that is neither a legal holiday nor a day on which commercial banks are authorized or required by
law, regulation or executive order to close in The City of New York; provided, however, that,
with respect to Notes denominated in a currency other than U.S. dollars, the day must also not be
a day on which commercial banks are authorized or required by law, regulation or executive order
to close in the Principal Financial Center (as defined below) of the country issuing the
Specified Currency (or, if the Specified Currency is Euro, the day must also be a day on which
the Trans-European Automated Real-Time Gross Settlement Express Transfer (TARGET) system is
open).

2

 

“Principal Financial Center” means the capital city of the country issuing the Specified
Currency; provided, however, that with respect to U.S. dollars, Australian dollars, Canadian
dollars, Euro, South African rand and Swiss francs, the Principal Financial Center shall be The
City of New York, Sydney, Toronto, London, Johannesburg and Zurich, respectively.

     The principal hereof and any premium and interest hereon are payable by the Company in the
Specified Currency shown above. If the Specified Currency of this Note is U.S. dollars, then
payment of the principal, premium, if any, and interest on this Note will be made by wire
transfer of such money of the United States of America as at the time of payment shall be legal
tender for payment of public and private debts to an account specified by the Holder for such
purpose. If the Specified Currency of this Note is other than U.S. dollars, the Exchange Rate
Agent specified above or a successor thereto (the “Exchange Rate Agent”) will (unless otherwise
specified herein) arrange to convert all payments in respect hereof into U.S. dollars in the
manner described below. However, the Holder hereof may elect to receive all or a specified
portion of any payment of principal, premium, if any, and/or interest in respect hereof in the
Specified Currency by delivery of a written request to the Paying Agent at its corporate trust
office in The City of New York on or prior to the fifth Business Day after the applicable record
date or at least ten calendar days prior to the Maturity, as the case may be. Such request may
be mailed or hand delivered or sent by cable, telex or other form of facsimile transmission.
Such election will remain in effect until revoked by written notice delivered to the Paying Agent
on or prior to the fifth Business Day after the applicable record date or at least ten calendar
days prior to the Maturity, as the case may be.

     If the Specified Currency is other than U.S. dollars and the Holder fails to elect payment
in such Specified Currency, the amount of any U.S. dollar payments to be made in respect hereof
will be determined by the Exchange Rate Agent in the morning of the day that would be considered
the date for “spot” settlement of such Specified Currency on the applicable Payment Date in
accordance with market convention (generally two New York Business Days (as defined below) prior
to the Payment Date) at the market rate determined by the Exchange Rate Agent to accomplish the
conversion on that Payment Date of the aggregate amount of the Specified Currency payable on this
Note (and any other Note with similar terms and bearing the same CUSIP number) to be converted
into U.S. dollars. “New York Business Day” means any day, other than a Saturday or Sunday, that
is neither a legal holiday nor a day on which commercial banks are authorized or required by law,
regulation or executive order to close in The City of New York. All currency exchange costs will
be borne by the Holder hereof by deductions from such U.S. dollar payments.

     Except as set forth below, if any payment in respect hereof is required to be made in a
Specified Currency other than U.S. dollars and such currency is unavailable to the Company due to
the imposition of governmental exchange controls or other circumstances beyond the Company’s
control or is no longer used by the government of the country issuing such currency (unless
replaced by the Euro) or for the settlement of transactions by public institutions of or within
the international banking community, then such payment shall be made in U.S. dollars until such
currency is again available to the Company or so used. In the event of such unavailability of
the Specified Currency, the Company will be entitled to satisfy its obligations to the Holder by
making payments in U.S. dollars on the basis of the Market Exchange Rate (as defined below),
computed by the Exchange Rate Agent, on the second Business Day prior to the particular payment
or, if the Market Exchange Rate is not then available, on the basis of the most recently
available Market Exchange Rate. The “Market Exchange Rate” for a Specified Currency other than
U.S. dollars means the noon dollar buying rate in The City of New York for cable transfers for
the Specified Currency as certified for customs purposes (or, if not so certified, as otherwise
determined) by the

3

 

Federal Reserve Bank of New York. Any payment in respect of this Note made in U.S. dollars
under such circumstances will not constitute an Event of Default under the Indenture.

     All determinations made by the Exchange Rate Agent will be at its sole discretion (except to
the extent expressly provided that any determination is subject to approval by the Company) and,
in the absence of manifest error, will be conclusive for all purposes and binding on the Holder
of this Note, and the Exchange Rate Agent will have no liability therefor.

     If the principal of and any interest and premium, if any, on this Note is payable in a
Specified Currency other than U.S. dollars and the issuing country of such Specified Currency
becomes a Participating Member State (as defined below), then the Company may, solely at its
option and without the consent of the Holder of this Note or the need to amend the Indenture or
this Note, on any Interest Payment Date occurring after the date on which such country has become
a Participating Member State (such Interest Payment Date, a “Redenomination Date”), redenominate
this Note into Euro upon the giving of not less than 30 days’ notice thereof to the Holder of
this Note, which notice shall set forth the manner in which such redenomination shall be
effected. If the Company elects to redenominate this Note, the election to redenominate will
have effect as follows:

          1. the Specified Currency will be deemed to be redenominated in such amount of Euro as is
equivalent to its denomination or the amount of interest so specified in the Specified Currency
at the Fixed Conversion Rate (as defined below) adopted by the Council of the European Union for
the Specified Currency, rounded down to the nearest Euro 0.01;

          2. after the Redenomination Date, all payments in respect of this Note, other than payments
of interest in respect of periods commencing before the Redenomination Date, will be made solely
in Euro as though references in this Note to the Specified Currency were to Euro. Payments will
be made in Euro by credit or transfer to a Euro-denominated account (or any other account to
which Euro may be credited or transferred) specified by the Holder, or at the option of the
Holder, by a Euro cheque;

          3. if interest hereon for any period ending on or after the Redenomination Date is required
to be calculated for a period of less than one year, it will be calculated on the basis of the
applicable fraction specified on the first page of this Note; and

          4. such other changes shall be made to the terms of this Note as the Company may decide,
after consultation with the Trustee, and as may be specified in the notice, to conform them to
conventions then applicable to debt securities denominated in Euro or to enable this Note to be
consolidated with other notes, whether or not originally denominated in the Specified Currency or
Euro. Any such other changes will not take effect until after they have been notified to the
Holder.

     The definition of Business Day that shall apply for payments on or in respect hereof
following any redenomination hereof and for all other purposes under this Note and under the
Indenture shall be (A) the business day definition for fixed rate Euro-denominated debt
obligations issued in the Euromarkets and held in international clearing systems which are
consistent with existing or anticipated market practices as determined by the Company or (B) if
no such business day definition is so determined, the definition of business day which applied to
this Note before redenomination or (C) if the Company would be unable to make payments on this
Note on the date that payment is expressed to be due if (B) above were to apply, such other
business day definition as is determined by the Company.

4

 

     “Fixed Conversion Rate” with respect to any Specified Currency means the irrevocably fixed
conversion rate between the Euro and such Specified Currency adopted by the Council of the
European Union according to Article 109 (4), first sentence, of the Treaty of Rome (as defined
below).

     “Participating Member State” means a member state of the European Union that adopts the Euro
in accordance with the Treaty of Rome.

     “Treaty of Rome” means the Treaty of Rome of March 25, 1957, as amended by the Single
European Act of 1986 and the Maastricht Treaty (as defined below), establishing the European
Community, as amended from time to time.

     “Maastricht Treaty” means the Treaty on European Union which was signed in Maastricht, the
Netherlands, on February 1, 1992 and came into force on November 1, 1993.

     Except as provided herein with respect to the redenomination of this Note into Euro, the
occurrence or non-occurrence of an EMU Event (as defined below) or the entry into force of any
law, regulation, directive or order requiring redenomination to be undertaken on terms different
than those described herein, will not have the effect of altering any term of, or discharging or
excusing performance under, the Indenture or this Note nor give the Company, the Trustee or the
Holder of this Note, the right unilaterally to alter or terminate the Indenture or this Note or
give rise to any Event of Default or otherwise be the basis for any acceleration, early
redemption, rescission, notice, repudiation, adjustment or renegotiation of the terms of the
Indenture or this Note. The occurrence or non-occurrence of an EMU Event will be considered to
occur automatically pursuant to the terms of this Note. For purposes hereof, “EMU Event” means
any event associated with the Economic Monetary Union as contemplated by the Treaty of Rome in
the European Community, including, without limitation, each (and any combination) of (i) the
fixing of exchange rates between the currency of a Participating Member State and the Euro or
between the currencies of Participating Member States; (ii) the introduction of the Euro as
lawful currency in a Participating Member State; (iii) the withdrawal from legal tender of any
currency that, before the introduction of the Euro, was lawful currency in any of the
Participating Member States; or (iv) the disappearance or replacement of a relevant rate option
or other price source for the national currency of any Participating Member States, or the
failure of the agreed price or rate sponsor or screen provider (or any successor thereof) to
publish or display a relevant rate, index, price, page or screen.

     In the event that the issuing country of the Specified Currency, or, in the case of the
Euro, the European Union, officially redenominates the Specified Currency into, or replaces it
with, a currency other than the Euro, then the Company’s obligations with respect to payments on
this Note shall be deemed, immediately following such redenomination, to provide for payment of
that amount of redenominated currency representing the amount of the Company’s obligations
immediately prior to such redenomination (by application of the fixed conversion rate adopted for
such purpose by such country, or the European Union, as the case may be). Except as set forth
above, in no event shall any adjustment be made to any amount payable with respect to this Note
as a result of any change in the value of the Specified Currency relative to any other currency
due solely to fluctuations in exchange rates.

     This Medium-Term Note, Series J (collectively, the “Notes”) is one of a duly authorized
issue of debt securities (hereinafter called the “Securities”) of the Company issued and to be
issued under an Indenture dated as of May 1, 1999 (herein called the “Indenture”) between the
Company

5

 

and Wilmington Trust Company (successor trustee to Citibank, N.A.), as Trustee (herein, the
“Trustee”, which term shall include any successor trustee under the Indenture), to which
Indenture and all indentures supplemental thereto and the Officers’ Certificate setting forth the
terms of this series of Securities, reference is hereby made for a statement of the respective
rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and
the Holders and the terms upon which the Notes are, and are to be, authenticated and delivered.
The Notes may bear different dates, mature at different times, bear interest at different rates,
be subject to different redemption or repayment provisions and may otherwise vary, all as
provided in the Indenture and in such Officers’ Certificate.

     Any provision contained herein with respect to the calculation of the rate of interest
applicable to this Note, its Interest Payment Dates, the Stated Maturity, the Specified Currency,
any redemption or repayment provisions, or any other matter relating hereto may be modified as
specified in an Addendum relating hereto if so specified on the first page hereof or as set forth
under “Other Provisions” if so set forth on the first page hereof.

     If an Event of Default with respect to the Notes shall occur and be continuing, the
principal of all the Notes may become due and payable in the manner and with the effect and
subject to the conditions provided in the Indenture.

     Subject to certain exceptions, the Indenture permits the Company and the Trustee to enter
into one or more supplemental indentures, with the consent of the Holders of a majority in
aggregate principal amount of the Outstanding Securities of each series to be affected by such
supplemental indentures, for the purpose of adding any provisions to or changing in any manner or
eliminating any of the provisions of the Indenture or of modifying in any manner the rights of
the Holders of Securities of such series. The Indenture also permits the Holders of a majority
in aggregate principal amount of the Outstanding Securities of any series, on behalf of the
Holders of all of the Securities of such series, to waive compliance by the Company with certain
provisions of the Indenture and certain past defaults under the Indenture and their consequences.
Any such consent or waiver by the Holder of this Note shall be conclusive and binding upon such
Holder and upon all future Holders of this Note and of any Note issued upon the registration of
transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent
or waiver is made upon this Note.

     No reference herein to the Indenture and no provision of this Note or of the Indenture shall
alter or impair the obligation of the Company, which is absolute and unconditional, to pay the
principal of, premium, if any, and interest on this Note at the times, places, and rate, and in
the coin or currency, herein prescribed.

     If so provided on the first page of this Note, this Note may be redeemed by the Company
prior to its Stated Maturity on and after the Initial Redemption Date, if any, specified on the
first page hereof (the “Redemption Date”). If no Initial Redemption Date is set forth on the
first page hereof, this Note may not be redeemed at the option of the Company prior to the Stated
Maturity. On and after the Initial Redemption Date, if any, this Note may be redeemed at any
time in whole or from time to time in part in increments of $100,000 and $1,000 in excess of
$100,000 (or such other denomination as may be indicated on the first page of this Note),
provided that any remaining principal amount shall be an authorized denomination, at the option
of the Company at the applicable Redemption Price (as defined below) together with interest
thereon payable to the Redemption Date, on written notice given to the Holder hereof not more
than 60 nor less than 30

6

 

days prior to the Redemption Date. In the event of redemption of this Note in part only, a
new Note for the unredeemed portion hereof shall be issued in the name of the Holder hereof upon
the surrender hereof.

     If applicable, the “Redemption Price” shall initially be the Initial Redemption Percentage,
specified on the first page hereof, of the principal amount of this Note to be redeemed and shall
decline at each anniversary of the Initial Redemption Date by the Annual Redemption Percentage
Reduction, if any, specified on the first page hereof, of the principal amount to be redeemed
until the Redemption Price is 100% of such principal amount.

     If so provided on the first page of this Note, this Note will be subject to repayment at the
option of the Holder hereof prior to its Stated Maturity on the Optional Repayment Date(s), if
any, indicated on the first page hereof. If no Optional Repayment Date is set forth on the first
page hereof, this Note will not be repayable at the option of the Holder hereof prior to the
Stated Maturity. On any Optional Repayment Date, this Note will be repayable in whole or in part
in increments of $100,000 and $1,000 in excess of $100,000 (or such other denomination as may be
indicated on the first page of this Note), provided that any remaining principal amount shall be
an authorized denomination, at the option of the Holder hereof at a repayment price equal to 100%
of the principal amount to be repaid, together with interest thereon payable to the Optional
Repayment Date, on notice given by such Holder and received by the Company not more than 60 nor
less than 30 days prior to the Optional Repayment Date. In the event of repayment of this Note
in part only, a new Note for the portion hereof not repaid shall be issued in the name of the
Holder hereof upon the surrender hereof. Any such notice shall be delivered to the office or
agency of the Company maintained for such purpose in the Borough of Manhattan, The City of New
York, and shall be duly executed by the Holder hereof or by his attorney duly authorized in
writing. Such notice shall consist of this Note with the form set forth below entitled “Option
to Elect Repayment” duly completed. Such notice duly received by the Company shall be
irrevocable. All questions as to the validity, form, eligibility (including time of receipt) and
acceptance of any Note for repayment will be determined by the Company, whose determination will
be final and binding.

     This Note is not subject to any sinking fund.

     As provided in the Indenture, and subject to certain limitations set forth therein and on
the first page hereof, the transfer of this Note may be registered on the Security Register of
the Company upon surrender of this Note for registration of transfer at the office or agency of
the Company maintained for such purpose in the Borough of Manhattan, The City of New York, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the
Company and the Security Registrar duly executed by, the Holder hereof or by his attorney duly
authorized in writing, and thereupon one or more new Notes having the same terms as this Note, of
authorized denominations and for the same aggregate principal amount, will be issued to the
designated transferee or transferees.

     The Notes are issuable only in registered form without coupons in denominations of $100,000
and integral multiples of $1,000 in excess thereof (or such other denomination as may be
indicated on the first page of this Note). As provided in the Indenture and subject to certain
limitations therein or herein set forth, this Note is exchangeable for a like aggregate principal
amount of Notes having the same terms as this Note, of different authorized denominations, as
requested by the Holder surrendering the same. If (i) the Depository is at any time unwilling or
unable to continue as depository and a successor depository is not appointed by the Company

7

 

within 90 days, (ii) the Company executes and delivers to the Trustee a Company Order to the
effect that this Note shall be exchangeable or (iii) an Event of Default has occurred and is
continuing with respect to the Notes, this Note shall be exchangeable for Notes in definitive
form of like tenor and of an equal aggregate principal amount, in authorized denominations. Such
definitive Notes shall be registered in such name or names as the Depository shall instruct the
Paying Agent. If definitive Notes are so delivered, the Company may make such changes to the
form of this Note as are necessary or appropriate to allow for the issuance of such definitive
Notes.

     No service charge will be made for any registration of transfer or exchange, but the Company
may require payment of a sum sufficient to cover any tax or other governmental charge payable in
connection therewith.

     Prior to due presentment of this Note for registration of transfer, the Company, the Trustee
and any agent of the Company or the Trustee may treat the Person in whose name this Note is
registered as the owner hereof for all purposes, whether or not this Note be overdue, and neither
the Company, the Trustee nor any such agent shall be affected by notice to the contrary.

     All capitalized terms used in this Note but not defined in this Note which are defined in
the Indenture shall have the meanings assigned to them in the Indenture; and all references in
the Indenture to “Security” or “Securities” shall be deemed to include the Notes.

     This Note, including the validity hereof, and the Indenture shall be governed by and
construed in accordance with the laws of the State of New York.

     Unless the certificate of authentication hereon has been executed by or on behalf of
Wilmington Trust Company (successor trustee to Citibank, N.A.), the Trustee for this Note under
the Indenture, or its successor thereunder, by the manual signature of one of its authorized
officers, this Note shall not be entitled to any benefit under the Indenture or be valid or
obligatory for any purpose.

8

 

     IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed, manually or in
facsimile, and a facsimile of its corporate seal to be imprinted hereon.

	 	 	 	 	 	 	 
	 	 	AMERICAN GENERAL
FINANCE
       CORPORATION	 	 
	 
	 	 	 	 	 	 
	[Seal]
	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 

Bryan A. Binyon
	 	 
	 

	 	 	 	Vice President and Treasurer	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 

David M. McManigal
	 	 
	 

	 	 	 	Assistant Treasurer	 	 

     Date:

TRUSTEE’S CERTIFICATE OF AUTHENTICATION:

This is one of the Securities of the series designated
herein referred to in the within-mentioned Indenture.

	 	 	 
	Wilmington Trust Company

	 	 
	as Trustee
	 	 

By: Citibank, N.A.,

               as Authenticating Agent

	 	 	 	 	 
	By:
	 	 	 	 
	 

	 	 

Authorized Signatory
	 	 

9

 

Option to Elect Repayment

     The undersigned hereby irrevocably request(s) and instruct(s) the Company to repay this Note
(or portion hereof specified below) pursuant to its terms at a price equal to the principal
amount hereof, together with interest to the repayment date, to the undersigned, at

PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER

      

 

(Please Print or Typewrite Name, Address and Telephone Number of the Undersigned)

     For this Note to be repaid, the Paying Agent must receive at its Corporate Trust Office, or
at such other place or places of which the Company shall from time to time notify the Holder of
this Note, not more than 60 nor less than 30 days prior to an Optional Repayment Date, if any,
shown on the face of this Note, this Note with this “Option to Elect Repayment” form duly
completed. This Note and notice must be received by the Paying Agent by 5:00 P.M., New York City
time, on the last day for giving such notice.

     If less than the entire principal amount of this Note is to be repaid, specify the portion
hereof (which shall be $100,000 or an integral multiple of $1,000 in excess thereof, or such
other denomination as may be indicated on the first page of this Note) which the Holder elects to
have repaid:                                          and specify the denomination or
denominations (which shall be $100,000 or an integral multiple of $1,000 in excess thereof, or
such other denomination as may be indicated on the first page of this Note) of the Note or Notes
to be issued to the Holder for the portion of this Note not being repaid (in the absence of any
such specification, one such Note will be issued for the portion not being repaid):                     .

	 	 	 	 	 	 	 
	Dated:
	 	 	 	 	 	 
	 

	 	 
	 	 	 	 
	 
	 	 	 	 	 	 
	 

	 	 	 	 	 	NOTICE: The signature on this Option to Elect
Repayment must correspond with the name as written
upon the face of this Note in every particular,
without alteration or enlargement or any change
whatever.

10

 

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE

      

 

(Please Print or Typewrite Name, Address and Telephone Number of the Assignee)

 

the within Note and all rights thereunder, hereby irrevocably constituting and appointing
                                                             attorney to transfer said Note
on the books of the Company, with full power of substitution in the premises.

	 	 	 	 	 	 	 
	Dated:
	 	 	 	 	 	 
	 

	 	 
	 	 	 	 
	 
	 	 	 	 	 	 
	 

	 	 	 	 	 	NOTICE: The signature on this assignment must
correspond with the name as written upon the face
of the within instrument in every particular,
without alteration or enlargement or any change
whatever.

11

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