Document:

<PAGE>
                                                                    EXHIBIT 4(a)

                                   CERTIFICATE

      I, Timothy M. Hayes, Senior 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 November 6, 2002, 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resolutions have not been amended, modified or rescinded and remain in full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: November 14, 2002

                                                /s/ Timothy M. Hayes
                                                --------------------------------
                                                Timothy M. Hayes
                                                Senior Vice President, Secretary
                                                and General Counsel
<PAGE>
               RESOLUTIONS AUTHORIZING MEDIUM-TERM NOTES, SERIES H

            WHEREAS, this Terms and Pricing Committee previously has authorized
      the creation, issuance and sale of up to $7,500,000,000 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 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. 333-100345) which was declared effective by the
      Securities and Exchange Commission on October 18, 2002 (the "Registration
      Statement"); 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, 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 H" (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
      $5,750,000,000, 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 the Trustee, 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
<PAGE>
      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;
<PAGE>
            g.    INTEREST PAYMENTS 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.
<PAGE>
            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
<PAGE>
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
      the Trustee 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
<PAGE>
      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 the Trustee 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, the Trustee 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
<PAGE>
8.    AUTHORIZED OFFICERS.

            FURTHER RESOLVED, that the Chairman, the Chief Executive Officer,
      the President, the Chief Financial Officer, 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.<PAGE>
                                                                    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 H

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.$1,000 and integral multiples
thereof):

INTEREST PAYMENT DATE(S):                                     ADDENDUM ATTACHED:

                                                              [ ] Yes
                                                              [ ] No

OPTIONAL REPAYMENT DATE(S):                                    OTHER PROVISIONS:
<PAGE>
      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
<PAGE>
"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 Trustee 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 Trustee 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
<PAGE>
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 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
herein; 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
<PAGE>
      "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 H (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
<PAGE>
and 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 $1,000 (or such other
Specified Currency denomination as may be indicated herein), 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 days prior to the Redemption
Date. In

                                       6
<PAGE>
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 $1,000 (or such other Specified Currency
denomination as may be indicated herein), 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 $1,000 and integral multiples thereof (or such other Specified
Currency denomination as may be indicated herein). 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 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

                                       7
<PAGE>
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
Trustee. 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 use 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 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
<PAGE>
      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
therein referred to in the within-mentioned Indenture.

      Citibank, N.A.
      as Trustee

By:________________________________________
    Authorized Signatory

                                       9
<PAGE>
                            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 Trustee 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 Trustee 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 $1,000 or an integral multiple of
$1,000, or such other Specified Currency denomination as may be indicated on the
face of the Note) which the Holder elects to have repaid: _______________ and
specify the denomination or denominations (which shall be $1,000 or an integral
multiple of $1,000, or such other Specified Currency denomination as may be
indicated on the face of the 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
<PAGE>
                                   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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