Document:

EX-4.2

 Exhibit 4.2 

ALLY FINANCIAL INC. AND ALLY BANK 

EXECUTIVE COMMITTEE 

Unanimous Written Consent 
 The
undersigned, being all the members of the Ally Financial Inc. (“Ally”) and Ally Bank Executive Committee (the “Executive Committee”), without the formality of convening a meeting, do hereby consent to the adoption of, and do
hereby adopt, the following resolutions: 
 Approval of Terms; Establishment of Series 

RESOLVED that a series of securities is hereby established, the title of which shall be 4.750% Senior Notes due 2027 (the “Notes”),
which shall be issued pursuant to the indenture dated as of July 1, 1982 (as supplemented or otherwise modified from time to time, the “Indenture”), between Ally and The Bank of New York Mellon (successor to Morgan Guaranty Trust
Company of New York), as trustee (the “Trustee”), and shall have the terms (the “Pricing Terms”) set forth in the preliminary prospectus supplement dated June 6, 2022, attached hereto as Exhibit A, as supplemented by the
pricing term sheet attached hereto as Exhibit B; 
 RESOLVED that the form and terms of the Notes substantially in the form filed as an
exhibit to Ally’s registration statement on Form S-3 (333-234810) filed with the U.S. Securities and Exchange Commission (the “SEC”), as supplemented by
the Pricing Terms, are hereby approved for issuance and sale; 
 Additional Actions 

RESOLVED that the Proper Officers are, and each of them hereby is, authorized and directed, for and on behalf of Ally, to file or cause to be
filed with the SEC, in compliance with Rule 424(b) under the Securities Act of 1933, as amended, and the rules and regulations of the Commission promulgated thereunder, a final prospectus supplement relating to the offering of the Notes (the
“Offer”) in such form and with such changes and modifications from the preliminary prospectus supplement dated June 6, 2022, as are deemed appropriate and necessary in the judgment of such officer, such approval to be conclusively
evidenced by the filing of the final prospectus supplement with the SEC; 
 RESOLVED that the underwriting agreement to be dated as of
June 6, 2022, by and among Ally and the underwriters (the “Underwriting Agreement”) relating to the Notes, substantially in the form presented to the Executive Committee, is hereby approved by Ally, and each of the Proper Officers be,
and each of them hereby is, authorized and directed to execute and deliver in the name and on behalf of Ally, (i) the Underwriting Agreement and (ii) such other documents as may be necessary or advisable in connection with the Underwriting
Agreement, in each case in such form and having such terms as may be approved by the Proper Officer executing the same, such approval to be conclusively evidenced by such officer’s execution thereof; 

RESOLVED that the Proper Officers of Ally or any of them acting alone be, and each of them is, authorized and empowered in the name and on
behalf of Ally, (i) to make modifications and amendments to and to execute and deliver all documents and instruments related to and in furtherance of the foregoing resolutions, and (ii) from time to time, to execute and deliver such other
and further agreements, certificates, notices and other instruments or documents, and do and perform such acts and things, including, without limitation, causing to be paid any fees or expenses in connection with the Offer, as any of them, in his or
her discretion, may deem necessary or advisable in connection with these resolutions, the Offer, or any related instruments; 

 RESOLVED that the Executive Committee adopts and incorporates by reference any form of
specific resolution to carry into effect the purpose and intent of the foregoing resolutions, or covering authority included in matters authorized in the foregoing resolutions, including forms of resolutions in connection therewith that may be
required by the SEC, and any federal, state, local, foreign or transnational, inspection person or agency, and the Secretary of Ally is directed to insert a copy thereof in the records of the Board of Directors and to certify the same as having been
duly adopted by the Executive Committee; 
 RESOLVED that all actions heretofore taken by any of the directors, officers, employees,
representatives or agents of Ally or any of its affiliates by and in connection with the Offer and any other actions, or contemplated by the Offer or otherwise referred to in the foregoing resolutions, be, and each of the same is, ratified,
confirmed and approved in all respects as the act and deed of Ally; and 
 RESOLVED that for the purposes of all of the foregoing resolutions
the President, Chief Executive Officer, the Chief Financial Officer, the Chief Risk Officer, any Executive Vice President and any Vice President, the Secretary and any Assistant Secretary, the Treasurer and any Assistant Treasurer of Ally is each a
“Proper Officer” and, collectively, the “Proper Officers.” 
 This Unanimous Written Consent may be executed in two or more
counterparts, each of which is deemed an original and all of which taken together constitute one and the same instrument. Facsimile and other electronic signatures of this Unanimous Written Consent are deemed to constitute original signatures. 

[signatures are on the following page] 

  
 2 

 This Unanimous Written Consent is effective on the latest date set forth opposite these signatures. 

 

							
				
	 /s/ Bradley J. Brown
	 		 	        	 	June 6, 2022
	Bradley J. Brown	 		 		 	
				
	 /s/ Jennifer A. LaClair
	 		 		 	June 6, 2022
	Jennifer A. LaClairEX-4.3

 Exhibit 4.3 

Unless this certificate is presented by an authorized representative of The Depository Trust Company, a New York corporation (“DTC”), to Ally
Financial Inc. 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 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 inasmuch as the registered owner hereof,
Cede & Co., has an interest herein. 
 No. _____ 

CUSIP No.: 02005N BQ2 
 ISIN No.:
US02005NBQ25 
 4.750% Senior Note due 2027 

Ally Financial Inc. 
 promises to pay to
Cede & Co. or registered assigns, 
 the principal sum of _________ MILLION DOLLARS ($_________) on June 9, 2027. 

Interest Payment Dates: June 9 and December 9 (or, if any such day is not a Business Day (as defined on the reverse side of this note), the next
succeeding Business Day), commencing on December 9, 2022. 
 Record Dates: The calendar day immediately preceding the relevant interest payment date.

 Dated: _________ 

[ADDITIONAL PROVISIONS OF THIS NOTE ARE
SET FORTH ON THE REVERSE SIDE OF THIS NOTE] 

 WITNESS THE SEAL OF THE COMPANY AND THE SIGNATURES OF ITS DULY AUTHORIZED OFFICERS. 

 

			
	ALLY FINANCIAL INC.
		
	By:	 	  

	Name:	 	
	Title:	 	
		
	By:	 	  

	Name:	 	
	Title:	 	

 Dated: _________ 

[Signature Page to Senior Note] 

			
	TRUSTEE’S CERTIFICATE OF AUTHENTICATION
	
	THIS IS ONE OF THE SECURITIES OF THE
	SERIES DESIGNATED THEREIN REFERRED TO
	IN THE WITHIN-MENTIONED INDENTURE.
	
	THE BANK OF NEW YORK MELLON,
	AS TRUSTEE
		
	By:	 	  

		 	Authorized Signatory

 Dated: _________ 

[Signature Page to Senior Note] 

 [REVERSE SIDE OF NOTE] 

4.750% Senior Note due 2027 

Capitalized terms used herein have the meanings assigned to them in the Indenture referred to below unless otherwise indicated. 

Ally Financial Inc., a Delaware corporation (hereinafter called the “Company”, which term includes any successor under the
Indenture hereinafter referred to), for value received, hereby promises to pay to Cede & Co., or its registered assigns, the principal sum of                 
MILLION DOLLARS    ($                ) at the office or agency of the Company for such purpose in the Borough of Manhattan, The City of New York, on
June 9, 2027, in such coin or currency of the United States of America as at the time of payment shall be legal tender for the payment of public and private debts, and to pay interest on said principal sum at the rate of 4.750% per annum at the
office or agency of the Company in the Borough of Manhattan, The City of New York, in like coin or currency on June 9 and December 9 (each, an “Interest Payment Date”) of each year, beginning on December 9, 2022. Such
interest will accrue from and including June 9, 2022, or the most recent Interest Payment Date (whether or not such Interest Payment Date was a Business Day (as defined below)) for which interest had been paid or duly provided for to but
excluding the relevant Interest Payment Date. The first payment to be made on December 9, 2022, is in respect of the period from and including June 9, 2022, to but excluding December 9, 2022. The interest so payable on any Interest
Payment Date will, subject to certain exceptions provided in the Indenture referred to below, be paid to the person in whose name this 4.750% Note (as defined below) is registered at the close of business on the calendar day immediately preceding
such Interest Payment Date. At the option of the Company, interest may be paid by check to the registered holder hereof entitled thereto at his last address as it appears on the registry books, and principal may be paid by check to the registered
holder hereof or other person entitled thereto against surrender of this 4.750% Note. 
 If an Interest Payment Date falls on a day that is
not a Business Day, the interest payment will be postponed to the next succeeding Business Day, with the same force and effect as if made on the date such payment was due, and no interest will accrue as a result of such delay. 

“Business Day” is any day which is not a Saturday or Sunday or a day on which banking institutions in New York, New York are
authorized or obligated by law or executive order to close. 
 This 4.750% Note is one of a duly authorized issue of debentures, notes,
bonds or other evidences of indebtedness of the Company (hereinafter called the “Securities”) of the series hereinafter specified, all issued or to be issued under and pursuant to an indenture dated as of July 1, 1982 (as may
be supplemented from time to time, herein called the “Indenture”), duly executed and delivered by the Company to The Bank of New York Mellon (herein called the “Trustee”, which term includes any successor trustee
under the Indenture), to which the Indenture and all indentures supplemental thereto reference is hereby made for a description of the rights, limitations of rights, obligations, duties and immunities thereunder of the Trustee, the Company and the
Holders of the Securities. The terms of this 4.750% Note include those stated in the Indenture and those made part of the Indenture by reference to the Trust Indenture Act. This 4.750% Note is subject to all such terms, and Holders are referred to
the Indenture and the Trust Indenture Act for a statement of all such terms. To the extent permitted by applicable law, in the event of any inconsistency between the terms of this 4.750% Note and the terms of the Indenture, the terms of this 4.750%
Note shall control. The Securities may be issued in one or more 

  
 R-1 

 
series, which different series may be issued in various aggregate principal amounts, may mature at different times, may bear interest (if any) at different rates, may be subject to different
redemption provisions (if any), and may otherwise vary as in the Indenture provided. This 4.750% Note is one of two (2) global notes, which together represent all of the Company’s 4.750% Senior Notes due 2027 (CUSIP: 02005N BQ2) registered
with the United States Securities and Exchange Commission (the “4.750% Notes”, which term shall include any Additional Notes (as defined below)), limited in initial issuance to the aggregate principal amount of $750,000,000.
The 4.750% Notes will bear interest, calculated on the basis of a 360-day year consisting of twelve 30-day months. 

The 4.750% Notes are in registered book-entry form without coupons in initial denominations of $2,000 and integral multiples of $1,000 in
excess thereof. 
 The 4.750% Notes do not have the benefit of a sinking fund. 

The 4.750% Notes will be redeemable at the Company’s option, in whole or in part, at any time or from time to time, on or after
December 6, 2022 (or, if Additional Notes (as defined below) are issued after June 9, 2022, beginning 180 days after the issue date of such Additional Notes), and prior to the Applicable Par Call Date, in each case at a redemption price,
plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date, equal to the greater of: 
  

	 	•	 	 100% of the aggregate principal amount of the 4.750% Notes being redeemed on that redemption date; and

  

	 	•	 	 the sum of the present values of the remaining scheduled payments of principal and interest on the 4.750% Notes
being redeemed that would be due if the 4.750% Notes to be redeemed matured on the Applicable Par Call Date (not including any portion of such payments of interest accrued to the redemption date) discounted to the redemption date on a semi-annual
basis (assuming a 360-day year consisting of twelve 30-day months) at the applicable Treasury Rate plus the Applicable Spread for the 4.750% Notes to be redeemed.

 On and after the Applicable Par Call Date, the 4.750% Notes will be redeemable, in whole or in part, at any time and
from time to time, at the Company’s option at a redemption price equal to 100% of the aggregate principal amount of the 4.750% Notes being redeemed, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. 

If the Company redeems 4.750% Notes at its option, then (a) notwithstanding the foregoing, installments of interest on the 4.750% Notes
that are due and payable on any Interest Payment Date falling on or prior to a redemption date for the 4.750% Notes will be payable on that Interest Payment Date to the registered holders thereof as of the close of business on the relevant record
date according to the terms of the 4.750% Notes and the Indenture and (b) the redemption price will, if applicable, be calculated on the basis of a 360-day year consisting of twelve 30-day months. 
 “Applicable Par Call Date” means May 10, 2027 (30 days prior to
the maturity date). 
 “Applicable Spread” means 30 basis points. 

  
 R-2 

 “Comparable Treasury Issue” means the United States Treasury security
selected by an Independent Investment Banker as having an actual or interpolated maturity comparable to the remaining term of the 4.750% Notes to be redeemed (assuming the 4.750% Notes matured on the Applicable Par Call Date) that would be utilized,
at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities of comparable maturity to such remaining term. 

“Comparable Treasury Price” means, with respect to any redemption date for 4.750% Notes to be redeemed, (A) if the
Independent Investment Banker obtains four or more applicable Reference Treasury Dealer Quotations, the average of all such Reference Treasury Dealer Quotations after excluding the highest and lowest of such applicable Reference Treasury Dealer
Quotations or (B) if the Independent Investment Banker obtains fewer than four applicable Reference Treasury Dealer Quotations, the average of all such Reference Treasury Dealer Quotations. 

“Independent Investment Banker” means one of the Reference Treasury Dealers appointed by the Company to act as the
“Independent Investment Banker.” 
 “Reference Treasury Dealers” mean, with respect to the 4.750% Notes offered
hereby, (A) Barclays Capital Inc., BofA Securities, Inc., Deutsche Bank Securities Inc. and Morgan Stanley & Co. LLC (or their respective affiliates which are Primary Treasury Dealers (as defined below)), and their respective
successors; provided, however, that if any of the foregoing shall cease to be a primary U.S. Government securities dealer in the United States (a “Primary Treasury Dealer”), the Company will substitute therefor another Primary
Treasury Dealer; and (B) any other Primary Treasury Dealer(s) selected by the Company. 
 “Reference Treasury Dealer
Quotation” means, with respect to each Reference Treasury Dealer and any redemption date for 4.750% Notes to be redeemed, the average, as determined by the Independent Investment Banker, of the bid and asked prices for the Comparable
Treasury Issue for the 4.750% Notes to be redeemed on such redemption date (expressed in each case as a percentage of its aggregate principal amount) quoted in writing to the Independent Investment Banker by such Reference Treasury Dealer at 5:00
p.m. (New York City time) on the third Business Day preceding such redemption date. 
 “Treasury Rate” means, with respect
to any redemption date applicable to the 4.750% Notes, the rate per annum equal to the semi-annual equivalent yield to maturity of the Comparable Treasury Issue for the 4.750% Notes to be redeemed on such redemption date, assuming a price for the
Comparable Treasury Issue (expressed as a percentage of its aggregate principal amount) equal to the applicable Comparable Treasury Price for such redemption date. 

Notice of any redemption will be mailed at least 30 days but not more than 90 days before the redemption date to each Holder of the 4.750%
Notes to be redeemed. Unless the Company defaults in payment of the redemption price, on or after the redemption date, interest will cease to accrue on the 4.750% Notes called for redemption. 

If less than all of the 4.750% Notes are to be redeemed, the Trustee shall select pro rata or by lot or in such other manner as the Trustee
shall deem fair and appropriate, the 4.750% Notes to be redeemed, subject in all cases to compliance with applicable DTC procedures. The Trustee may select for redemption 4.750% Notes and portions of 4.750% Notes in amounts of $2,000 and integral
multiples of $1,000 in excess thereof (provided that the unredeemed portion of such 4.750% Notes redeemed in part will not be less than $2,000) and shall thereafter promptly notify the Company in writing of the numbers of 4.750% Notes to be
redeemed, in whole or in part. 

  
 R-3 

 In addition to the covenants of the Company set forth in the Indenture, the Company agrees
that (each an “Additional Covenant”): 
 (a) the Company shall not, and shall not permit any of its subsidiaries to,
directly or indirectly, pay or cause to be paid any consideration, whether by way of interest, fee or otherwise, to any Holder of 4.750% Notes for or as an inducement to any consent, waiver or amendment of any of the terms or provisions of the
Indenture or the 4.750% Notes unless such consideration is offered to be paid or agreed to be paid to all Holders of the 4.750% Notes which so consent, waive or agree to amend in the time frame set forth in the solicitation documents relating to
such consent, waiver or agreement; and 
 (b) the Company shall furnish to the Holder of this 4.750% Note and to prospective investors, upon
their request, the information required to be delivered pursuant to Rule 144A(d)(4) under the Securities Act of 1933, as amended, for so long as any 4.750% Notes remain outstanding during any period when it is not subject to the reporting
requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, or otherwise permitted to furnish the Securities and Exchange Commission with certain information pursuant to Rule 12g3-2(b) of
the Securities Exchange Act of 1934. 
 In case an Event of Default, as defined in the Indenture or herein, with respect to the 4.750% Notes
shall have occurred and be continuing, the principal hereof may be declared, and upon such declaration shall become, due and payable in the manner, with the effect and subject to the conditions provided in the Indenture. Holders of the 4.750% Notes
shall vote as a separate class with respect to any defaults, Events of Default, Covenant Breaches or remedies relating thereto as a result of any covenants, obligations, or provisions affecting only the 4.750% Notes, including the Additional
Covenants. 
 The Indenture contains provisions permitting the Company and the Trustee, with the consent of the Holders of not less than
662/3% in aggregate principal amount of the Securities at the time outstanding (as defined in the Indenture) of all series to be affected by the execution of such supplemental indentures referred to in this sentence (voting as one class), evidenced
as in the Indenture provided, to execute supplemental indentures adding any provisions to or changing in any manner or eliminating any of the provisions of the Indenture or of any supplemental indenture or modifying in any manner the rights of the
Holders of the Securities of each such series; provided that no such supplemental indenture shall (i) extend the fixed maturity of any Securities, or reduce the principal amount thereof or premium, if any, or reduce the rate or extend
the time of payment of any interest thereon, without the consent of the Holder of each Security so affected, or (ii) reduce the aforesaid percentage of Securities, the Holders of which are required to consent to any such supplemental indenture,
without the consent of the Holders of all Securities then outstanding. Any such consent or waiver by the Holder of this 4.750% Note shall be conclusive and binding upon such Holder and upon all future Holders of this 4.750% Note and of any 4.750%
Note issued upon the registration of transfer hereof, or in lieu hereof, whether or not notation for such consent or waiver is made upon this 4.750% Note. 

Holders of the 4.750% Notes shall vote as a separate class with respect to amendments, modifications or waivers affecting only the 4.750%
Notes, including amendments, modifications or waivers with respect to the Additional Covenants. Holders of 4.750% Notes that contain redemption or mandatory redemption provisions shall vote as a separate class with respect to amendments,
modifications or waivers that affect only such provisions. Holders of Securities that are not 4.750% Notes, or, with respect to redemption or mandatory redemption provisions, that do not have such provisions, shall not have any voting rights with
respect to such matters. 

  
 R-4 

 For the avoidance of doubt, in determining whether the Holders of the required aggregate
principal amount of 4.750% Notes have concurred in any direction, consent or waiver, 4.750% Notes which are owned by the Company or any other obligor on the 4.750% Notes, or by any person directly or indirectly controlling or controlled by or under
direct or indirect common control with the Company or any other obligor on the 4.750% Notes, shall be disregarded and deemed not to be outstanding for the purpose of any such determination, except that for the purpose of determining whether the
Trustee shall be protected in relying on any such direction, consent or waiver, only 4.750% Notes which a Responsible Officer of the Trustee knows are so owned shall be so disregarded. 4.750% Notes so owned which have been pledged in good faith may
be regarded as outstanding for the purposes of this paragraph if the pledgee shall establish to the satisfaction of the Trustee the pledgee’s right to vote such 4.750% Notes and that the pledgee is not a person directly or indirectly
controlling or controlled by or under direct or indirect common control with the Company or any such other obligor. In the case of a dispute as to such right, any decision by the Trustee taken upon the advice of counsel shall be full protection to
the Trustee. 
 No reference herein to the Indenture and no provision of this 4.750% Note or of the Indenture shall alter or impair the
obligation of the Company, which is absolute and unconditional, to pay the principal of and interest on this 4.750% Note at the place, at the respective times, at the rate, and in the coin or currency, herein prescribed. 

The Company may from time to time, without notice to or the consent of the registered holders of the 4.750% Notes, create and issue additional
notes (the “Additional Notes”) ranking pari passu with the 4.750% Notes in all respects (or in all respects except for the payment of interest accruing prior to the issue date of such Additional Notes or except for the first
payment of interest following the issue date of such Additional Notes). Such Additional Notes may be consolidated and form a single series with the 4.750% Notes and have the same terms as to status, redemption or otherwise as the 4.750% Notes. 

Upon due presentment for registration of transfer of this 4.750% Note at the office or agency designated and maintained by the Company for
such purpose in the Borough of Manhattan, The City of New York, pursuant to the provisions of the Indenture, a new 4.750% Note for an equal aggregate principal amount will be issued to the transferee in exchange therefor, subject to the limitations
provided in the Indenture, without charge except for any tax or other governmental charge imposed in connection therewith. 
 The Company,
the Trustee and any authorized agent of the Company or the Trustee may deem and treat the Holder in whose name this 4.750% Note is registered upon the books of the Company to be, and may treat such Holder as, the absolute owner of this 4.750% Note
(whether or not this 4.750% Note shall be overdue and notwithstanding any notation of ownership or other writing hereon), for the purpose of receiving payment of, or on account of, the principal hereof (and premium, if any) and interest hereon, and
for all other purposes, and neither the Company nor the Trustee nor any authorized agent of the Company or the Trustee shall be affected by any notice to the contrary. 

  
 R-5 

 No recourse under or upon any obligation, covenant or agreement in the Indenture or any
indenture supplemental thereto or in any Security, or because of any indebtedness represented thereby, shall be had against any incorporator, or against any past, present or future stockholder, officer or director, as such, of the Company or of any
successor corporation, either directly or through the Company or any successor corporation, under any rule of law, statute or constitutional provision or by the enforcement of any assessment or by any legal or equitable proceeding or otherwise, all
such liability being expressly waived and released by the acceptance hereof and as part of the consideration for the issue hereof. 
 This
4.750% Note is governed by and construed in accordance with the laws of the State of New York. 
 This 4.750% Note shall not be valid
or become obligatory for any purpose until the certificate of authentication hereon shall have been signed by the Trustee under the Indenture. 

The Company will furnish to any Holder upon written request and without charge a copy of the Indenture. 

  
 R-6 

 ASSIGNMENT FORM 

FOR VALUE RECEIVED the undersigned hereby sells, 

assigns and transfers unto 
 PLEASE INSERT SOCIAL
SECURITY OR OTHER 
 IDENTIFYING NUMBER OF ASSIGNEE 
  

	
	  

	  

	Please print or typewrite name and address including postal zip code of assignee
	  

	the within 4.750% Note of Ally Financial Inc. and hereby irrevocably constitutes and appoints
	 ___________________________________________________ attorney to transfer said 4.750% Note on the
books of the within-named Company, with full power of substitution in the premises.

 Dated: ____________ 
  

			
	SIGN HERE	 	  

		 	NOTICE: THE SIGNATURE OF 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.
		
		 	SIGNATURE GUARANTEED

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