EX-99.2 6 d390027dex992.htm EX-99.2 EX-99.2

Exhibit 99.2

 

 

 

CUSTODIAN AGREEMENT

BETWEEN

ALLY BANK,

CUSTODIAN

AND

ALLY AUTO ASSETS LLC,

DEPOSITOR

DATED AS OF OCTOBER 12, 2022

 

 

 

 

This CUSTODIAN AGREEMENT, dated as of October 12, 2022, is made between ALLY BANK, a Utah chartered bank, as custodian (“Ally Bank” or the “Custodian”), and ALLY AUTO ASSETS LLC, a Delaware limited liability company, as depositor (the “Depositor”).

WHEREAS, simultaneously herewith Ally Bank, as seller (the “Seller”), and the Depositor are entering into a Pooling Agreement, dated as of the date hereof (as it may be amended, modified or supplemented from time to time, the “Pooling Agreement”), pursuant to which the Seller shall sell, transfer and assign, as of the Closing Date, to the Depositor without recourse all of its right, title and interest in and to the Receivables;

WHEREAS, in connection with such sale, transfer and assignment, the Servicing Agreement provides that the Depositor shall simultaneously enter into a custodian agreement pursuant to which the Depositor shall revocably appoint the Custodian as custodian of the Receivable Files pertaining to the Receivables;

WHEREAS, the Pooling Agreement contemplates that the Depositor may enter into the Further Transfer Agreements with the Issuing Entity, pursuant to which the Depositor shall sell, transfer and assign, as of the Closing Date, with respect to the Receivables, to the Issuing Entity without recourse all of the Depositor’s right, title and interest in and to the Receivables and under the aforementioned custodian agreement;

WHEREAS, in connection with any such sale, transfer and assignment, the Depositor desires for the Custodian to act as custodian of the Receivables for the benefit of the Issuing Entity; and

WHEREAS, after the execution of the Indenture, the Custodian will act on behalf of the Indenture Trustee in connection with its duties as custodian of the Receivables.

NOW, THEREFORE, in consideration of the mutual agreements herein contained and of other good and valuable consideration the receipt and adequacy of which are hereby acknowledged, the parties agree as follows:

1. Definitions. Capitalized terms used but not otherwise defined herein shall have the respective meanings assigned to them in Part I of Appendix A to the Servicing Agreement among the Issuing Entity, the Servicer and the Depositor, dated as of the date hereof (as it may be amended, modified or supplemented from time to time, the “Servicing Agreement”) or in the text of the Servicing Agreement. The rules of construction set forth in Part II of such Appendix A shall be applicable to this Custodian Agreement. All references herein to Sections and subsections are to Sections and subsections of this Custodian Agreement unless otherwise specified.

2. Appointment of Custodian; Acknowledgment of Receipt. Subject to the terms and conditions hereof, the Depositor hereby appoints the Custodian, and the Custodian hereby accepts such appointment, to act as agent of the Depositor as Custodian to maintain custody of the Receivable Files pertaining to the Receivables. The Custodian hereby acknowledges that the Depositor may sell, transfer and assign all of its right, title and interest under this Custodian Agreement to the Issuing Entity pursuant to the Further Transfer

Agreements. The Custodian hereby agrees, in connection with any such sale, transfer and assignment, to act as Custodian for the benefit of the Issuing Entity with respect to those Receivables of which from time to time the Issuing Entity is the Owner. The Custodian acknowledges that the Issuing Entity has pledged the Receivables to the Indenture Trustee under the Indenture and agrees to hold the Receivables on behalf of the Issuing Entity and the Indenture Trustee for the benefit of the Secured Parties. In performing its duties hereunder, the Custodian agrees to act with reasonable care, using that degree of skill and attention that the Custodian exercises with respect to files relating to comparable motor vehicle related property that the Custodian services and holds for itself or others. The Custodian hereby acknowledges receipt of the Receivable File for each Receivable listed on the Schedule of Receivables.

3. Maintenance at Office. The Custodian agrees to maintain each Receivable File at one of its branch offices as identified in the list of branch offices attached hereto as Exhibit A or with third party vendors as shall be deemed appropriate by the Custodian.

4. Duties of Custodian.

(a) Safekeeping. The Custodian shall hold each Receivable File described herein on behalf of the Owner of the related Receivable for the use and benefit of the Owner and, if applicable, Interested Parties and shall maintain such accurate and complete accounts, records and computer systems pertaining to each Receivable File described herein as shall enable the Asset Representations Reviewer, the Depositor and the Issuing Entity to comply with their respective obligations under the Asset Representations Review Agreement, the Pooling Agreement, the Trust Sale Agreement and the other Basic Documents. Each Receivable shall be identified as such on the books and records of the Custodian to the extent the Custodian reasonably determines to be necessary to comply with the terms and conditions of the Servicing Agreement and, if applicable, the other Basic Documents. The Custodian shall conduct, or cause to be conducted, periodic physical inspections (or, with respect to Receivables that are “electronic chattel paper,” review authoritative copies) of the Receivable Files held by it under this Custodian Agreement, and of the related accounts, records and computer systems, in such a manner as shall enable the Asset Representations Reviewer, the Issuing Entity, the Servicer and the Custodian to verify the accuracy of the Custodian’s inventory and record keeping. The Custodian shall promptly report to the Owner of a Receivable any failure on its part to hold the related Receivable File as described herein and maintain its accounts, records and computer systems as herein provided and promptly take appropriate action to remedy any such failure.

(b) Access to Records. Subject only to the Custodian’s security requirements applicable to its own employees having access to similar records held by the Custodian, the Custodian shall permit the Asset Representations Reviewer (if an Asset Representations Review Notice has been delivered), the Owner of a Receivable or its duly authorized representatives, attorneys or auditors to inspect the related Receivable File described herein and the related accounts, records and computer systems maintained by the Custodian pursuant hereto at such times as the Owner or, if an Asset Representations Review Notice has been delivered, the Asset Representations Reviewer may reasonably request.

(c) Release of Documents. The Custodian shall release any Receivable (and its related Receivable File) to the Asset Representations Reviewer, the Depositor, the Servicer or the Issuing Entity, as appropriate, under the circumstances provided in the Pooling Agreement, the Asset Representations Review Agreement, the Trust Sale Agreement, the Servicing Agreement and the other Basic Documents.

 

2    Custodian Agreement (AART 2022-2)

(d) Administration; Reports. In general, the Custodian shall attend to all non-discretionary details in connection with maintaining custody of the Receivable Files as described herein. In addition, the Custodian shall assist the Issuing Entity and the Servicer generally in the preparation of routine reports to the Securityholders, if any, or to regulatory bodies, to the extent necessitated by the Custodian’s custody of the Receivable Files described herein.

(e) Servicing. The Custodian is familiar with the duties of the Servicer, the servicing procedures and the allocation and distribution provisions (including those related to principal collections, losses and recoveries on Receivables) set forth in the Servicing Agreement and the Indenture and hereby agrees to maintain the Receivables Files in a manner consistent therewith. The Custodian further agrees to cooperate with the Servicer in the Servicer’s performance of its duties under the Servicing Agreement.

(f) Regulation AB Compliance. If at any time the Custodian is not also serving as Servicer under the Servicing Agreement, the Custodian shall:

(i) deliver to the Servicer on or before March 10 of each year, beginning March 10, 2023 (or, if such date is not a Business Day, the next succeeding Business Day), a report, dated as of December 31 of the preceding calendar year, of its assessment of compliance with the Servicing Criteria applicable to it with respect to such calendar year (or, in the case of the first year, since no later than the Closing Date), including disclosure of any material instance of non-compliance identified by the Custodian, as required by Rule 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation AB under the Securities Act;

(ii) cause a firm of registered public accountants that is qualified and independent within the meaning of Rule 2-01 of Regulation S-X under the Securities Act to deliver to the Servicer on or before March 15 (or, if such date is not a Business Day, the next succeeding Business Day) of each year, beginning March 15, 2023, an attestation report that satisfies the requirements of Rule 13a-18 or Rule 15d-18 under the Exchange Act, as applicable, of the assessment of compliance with Servicing Criteria with respect to the prior calendar year (or, in the case of the first year, since no later than the Closing Date); and

(iii) the reports under this Section 4(f) shall be delivered on or before April 15 (or, if such date is not a Business Day, the next succeeding Business Day) of each calendar year if the Issuing Entity is not required to file periodic reports under the Exchange Act or any other law, beginning April 15, 2024.

5. Instructions; Authority to Act. The Custodian shall be deemed to have received proper instructions from the Issuing Entity with respect to the Receivable Files described herein upon its receipt of written instructions signed by an Authorized Officer. A certified copy of a by-law or of a resolution of the appropriate governing body of the Issuing Entity (or, as appropriate, a trustee or other Authorized Officer on behalf of the Issuing Entity) may be received and accepted by the Custodian as conclusive evidence of the authority of any such officer to act and may be considered as in full force and effect until receipt of written notice to the contrary. Such instructions may be general or specific in terms.

 

3    Custodian Agreement (AART 2022-2)

6. Indemnification by the Custodian. The Custodian agrees to indemnify the Depositor, the Issuing Entity and each trustee for any and all liabilities, obligations, losses, damage, payments, costs or expenses of any kind whatsoever that may be imposed on, incurred or asserted against the Depositor, the Issuing Entity or any such trustee as the result of any act or omission in any way relating to the maintenance and custody by the Custodian of the Receivable Files described herein; provided, however, that the Custodian shall not be liable to the Depositor, the Issuing Entity or any such trustee, respectively, for any portion of any such amount resulting from the willful misfeasance, bad faith or negligence of the Depositor, the Issuing Entity or any such trustee, respectively.

7. Advice of Counsel. The Custodian, the Depositor and, upon execution of the Basic Documents, the Issuing Entity further agree that the Custodian shall be entitled to rely and act upon advice of counsel with respect to its performance hereunder and shall be without liability for any action reasonably taken pursuant to such advice, provided that such action is not in violation of applicable federal or state law.

8. Limitation on Liability of the Custodian and Others.

(a) Neither the Custodian nor any of the directors or officers or employees or agents of the Custodian shall be under any liability to the Asset Representations Reviewer, the Issuing Entity, the Noteholders or the Certificateholders, except as specifically provided in this Custodian Agreement, for any action taken or for refraining from the taking of any action pursuant to this Custodian Agreement or for errors in judgment; provided, however, that this provision shall not protect the Custodian or any such Person against any liability that would otherwise be imposed by reason of willful misfeasance, bad faith or negligence (except errors in judgment) in the performance of duties or by reason of a reckless disregard of its obligations and duties herein.

(b) Except as provided in this Custodian Agreement, the Custodian shall not be under any obligation to appear in, prosecute or defend any proceeding that is not incidental to its duties to act as custodian for the Receivables and the other Purchased Property in accordance with this Custodian Agreement and that in its opinion may involve it in any expense or liability; provided, however, the Custodian may undertake any reasonable action that it may deem necessary or desirable in respect of this Custodian Agreement and the rights and duties of the parties to this Custodian Agreement and the interests of the Noteholders and Certificateholders in the Basic Documents. In such event, the legal expenses and costs for such action and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust and the Custodian shall be entitled to be reimbursed therefor.

9. Effective Period, Termination and Amendment; Interpretive and Additional Provisions. This Custodian Agreement shall become effective as of the date hereof, shall continue in full force and effect until terminated as hereinafter provided, and may be amended at any time by mutual agreement of the parties hereto. This Custodian Agreement may

 

4    Custodian Agreement (AART 2022-2)

be terminated by either party by written notice to the other party, such termination to take effect no sooner than sixty (60) days after the date of such notice. Notwithstanding the foregoing, if Ally Bank resigns as Servicer under the Basic Documents or if all of the rights and obligations of the Servicer have been terminated under the Servicing Agreement, this Custodian Agreement may be terminated by the Issuing Entity or by any Persons to whom the Issuing Entity has assigned its rights hereunder. As soon as practicable after the termination of this Custodian Agreement, the Custodian shall deliver the Receivable Files described herein to the Issuing Entity or the Issuing Entity’s agent at such place or places as the Issuing Entity may reasonably designate.

10. Governing Law. THIS CUSTODIAN AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE PRINCIPLES OF CONFLICTS OF LAWS THEREOF OR OF ANY OTHER JURISDICTION OTHER THAN SECTION 5-1401 AND SECTION 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES UNDER THIS CUSTODIAN AGREEMENT SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

11. Notices. All demands, notices and communications upon or to the Custodian or the Depositor under this Custodian Agreement shall be delivered as specified in Appendix B of the Servicing Agreement.

12. Binding Effect. This Custodian Agreement shall be binding upon and shall inure to the benefit of the Depositor, the Issuing Entity, the Custodian and their respective successors and assigns, including the Issuing Entity.

13. Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Custodian Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Custodian Agreement and shall in no way affect the validity or enforceability of the other provisions of this Custodian Agreement.

14. Assignment. Notwithstanding anything to the contrary contained in this Custodian Agreement other than Section 19 of this Custodian Agreement, this Custodian Agreement may not be assigned by the Custodian without the prior written consent of the Depositor or any Persons to whom the Depositor has assigned its rights hereunder, as applicable.

15. Headings. The headings of the various Sections herein are for convenience of reference only and shall not define or limit any of the terms or provisions hereof.

16. Counterparts. This Custodian Agreement may be executed by the parties in separate counterparts, each of which when so executed and delivered shall be an original but all such counterparts shall together constitute but one and the same instrument. Each party agrees that this Custodian Agreement and any other documents to be delivered in connection herewith may be electronically signed, and that any electronic signatures appearing on this Custodian Agreement or such other documents are the same as handwritten signatures for the purposes of validity, enforceability, and admissibility.

 

5    Custodian Agreement (AART 2022-2)

17. No Third-Party Beneficiaries. This Custodian Agreement shall inure to the benefit of and be binding upon the parties hereto, the Owners and, to the extent expressly provided herein, the Interested Parties, and their respective successors and permitted assigns. Except as otherwise expressly provided in this Custodian Agreement, no other Person shall have any right or obligation hereunder.

18. Merger and Integration. Except as specifically stated otherwise herein, this Custodian Agreement sets forth the entire understanding of the parties relating to the subject matter hereof, and all prior understandings, written or oral, are superseded by this Custodian Agreement. This Custodian Agreement may not be modified, amended, waived or supplemented except as provided herein.

19. Merger, Consolidation or Assumption of the Obligations of the Custodian. Any corporation, limited liability company or other entity (i) into which the Custodian may be merged or consolidated, (ii) resulting from any merger, conversion or consolidation to which the Custodian shall be a party, (iii) succeeding to the business of the Custodian or (iv) 25% or more of the voting stock (or if not a corporation, other voting interests) of which is owned, directly or indirectly, by General Motors or Ally Financial, which corporation, limited liability company or other entity in any of the foregoing cases executes an agreement of assumption to perform every obligation of the Custodian under this Custodian Agreement and the other Basic Documents, shall be the successor to the Custodian under this Custodian Agreement without the execution or filing of any document or any further act on the part of any of the parties to this Custodian Agreement, anything in this Custodian Agreement to the contrary notwithstanding. The Custodian shall provide notice of any merger, consolidation or succession pursuant to this Section 19 to the Rating Agencies.

20. Compliance with the FDIC Rule. The Custodian agrees to (i) perform the covenants set forth in Article XII of the Indenture applicable to it and (ii) facilitate compliance with Article XII of the Indenture by the Ally Parties.

*    *    *    *    *

 

6    Custodian Agreement (AART 2022-2)

IN WITNESS WHEREOF, each of the parties hereto has caused this Custodian Agreement to be executed in its name and on its behalf by a duly authorized officer as of the day and year first above written.

 

ALLY BANK, as Custodian
By: /s/ E. Kahan                                                   
Name: E. Kahan
Title: Assistant Treasurer
ALLY AUTO ASSETS LLC, as Depositor
By: /s/ C. T. Salter                                                 
Name: C. T. Salter
Title: Vice President

 

7    Custodian Agreement (AART 2022-2)

EXHIBIT A

LIST OF BRANCH OFFICES

[ATTACHED]

 

Exhibit A-1

Region    Funding Center    Credit Center    Branch
Number		    Name    Address Line 1    Address Line 2    Address Line 3    Country    Zip Code    City
         101    ALLY LOS V5.0    200 Renaissance Dr          USA    48265    Detroit
NE Region          915    Northeast RBC    2000 Westinghouse Drive    Suite 300       USA    16066    Cranberry Township
   NE Funding Center       708    Northeast Funding Center    2000 Westinghouse Drive    Suite 300       USA    16066    Cranberry Township
      Credit Center    004    Pittsburgh SPB    2000 Westinghouse Drive    Suite 300       USA    16066    Cranberry Township
      Credit Center    010    Cleveland SPB    2000 Westinghouse Drive    Suite 300       USA    16066    Cranberry Township
      Credit Center    020    Philadelphia SPB    2000 Westinghouse Drive    Suite 300       USA    16066    Cranberry Township
      Credit Center    103    Hartford SPB    2000 Westinghouse Drive    Suite 300       USA    16066    Cranberry Township
      Credit Center    864    NE LOS RBC SPB    2000 Westinghouse Drive    Suite 300       USA    16066    Cranberry Township
SE Region          902    Southeast RBC    1735 N Brown Road    Suite 500       USA    30043    Lawrenceville
   SE Funding Center       709    Southeast Funding Center    1735 N Brown Road    Suite 500       USA    30043    Lawrenceville
      Credit Center    023    Charlotte SPB    1735 N Brown Road    Suite 500       USA    30043    Lawrenceville
      Credit Center    029    Jacksonville SPB    1735 N Brown Road    Suite 500       USA    30043    Lawrenceville
      Credit Center    340    Atlanta SPB    1735 N Brown Road    Suite 500       USA    30043    Lawrenceville
      Credit Center    599    San Juan, PR    1735 N Brown Road    Suite 500       USA    30043    Lawrenceville
      Credit Center    865    SE LOS RBC SPB    1735 N Brown Road    Suite 500       USA    30043    Lawrenceville
C Region          906    Central RBC    3333 Finley Road, 6th Floor          USA    60515    Downers Grove
   C Funding Center       707    Central Funding Center    3333 Finley Road, 6th Floor          USA    60515    Downers Grove
      Credit Center    007    Minneapolis SPB    3333 Finley Road, 6th Floor          USA    60515    Downers Grove
      Credit Center    008    St Louis SPB    3333 Finley Road, 6th Floor          USA    60515    Downers Grove
      Credit Center    045    Michigan SPB    3333 Finley Road, 6th Floor          USA    60515    Downers Grove
      Credit Center    154    Chicago SPB    3333 Finley Road, 6th Floor          USA    60515    Downers Grove
      Credit Center    863    C LOS RBC SPB    3333 Finley Road, 6th Floor          USA    60515    Downers Grove
W Region          911    West RBC    5851 Legacy Circle    Suite 200       USA    75024    Plano
   W Funding Center       706    West Funding Center    5851 Legacy Circle    Suite 200       USA    75024    Plano
      Credit Center    005    Dallas SPB    2911 Lake Vista Drive          USA    75067-3801    Lewisville
      Credit Center    021    Denver SPB    2911 Lake Vista Drive          USA    75067-3801    Lewisville
      Credit Center    084    Houston SPB    2911 Lake Vista Drive          USA    75067-3801    Lewisville
      Credit Center    862    W LOS RBC SPB    2911 Lake Vista Drive          USA    75067-3801    Lewisville
   CSG Funding Center       715    CSG Funding Center    5851 Legacy Circle    Suite 200       USA    75024    Plano
      Credit Center    652    CSG Southeast SPB    2911 Lake Vista Drive          USA    75067    Lewisville
      Credit Center    653    CSG Northeast SPB    2911 Lake Vista Drive          USA    75067    Lewisville

      Credit Center    690
    CSG West SPB    2911 Lake Vista Drive       USA       75067    Lewisville
      Credit Center    693
    CSG Central SPB    2911 Lake Vista Drive    —      USA       75067    Lewisville
      Credit Center    696
    CSG Pacific West Coast SPB    2911 Lake Vista Drive    —      USA       75067    Lewisville
      Credit Center    888    CSG Single SPB    2911 Lake Vista Drive       USA       75067    Lewisville
      Credit Center    899    CSG MD - HD SPB    7159 Corklan Drive    Suite 200    USA       32258    Jacksonville
PWC Region          932    Pacific West Coast RBC    535 Anton Blvd    Suite 300    USA       92626    Costa Mesa
   PWC Funding Center       774    Pacific West Coast Funding Center    535 Anton Blvd    Suite 300    USA       92626    Costa Mesa
      Credit Center    061    Phoenix SPB    2911 Lake Vista Drive       USA       75067    Lewisville
      Credit Center    085    Sacramento SPB    2911 Lake Vista Drive       USA       75067-3801    Lewisville
      Credit Center    861    PW LOS RBC SPB    2911 Lake Vista Drive       USA       75067-3801    Lewisville
Bank Region          917    Ally Automotive Bank RO    6985 Union Park Center       USA       84047    Midvale
      Credit Center    611    Ally Bank    6985 Union Park Center       USA       84047    Midvale
      Credit Center    628    NE Ally Bank    6985 Union Park Center       USA       84047    Midvale
      Credit Center    673    SE & C Ally Bank    6985 Union Park Center       USA       84047    Midvale
N/P Region          940    Ally Non Prime Region    7159 Corklan Drive    Suite 200    USA       32258    Jacksonville
   N/P Funding Center       704    Non Prime Funding Center    7159 Corklan Drive    Suite 200    USA       32258    Jacksonville
      Credit Center    899
    Ally Non Prime SPB    7159 Corklan Drive    Suite 200    USA       32258    Jacksonville
DIG/HVC Region          956    DIG/HVC Region    2911 Lake Vista Drive       USA       75067-3801    Lewisville
   DIG/HVC Funding Center       786    DIG/HVC/CarMax Funding Center    2911 Lake Vista Drive       USA       75067-3801    Lewisville
      Credit Center    886    DIG SPB    2911 Lake Vista Drive       USA       75067-3801    Lewisville
      Credit Center    811    HVC SPB    2911 Lake Vista Drive       USA       75067-3801    Lewisville
CARMAX Region          922    CARMAX Region    2911 Lake Vista Drive       USA       75067-3801    Lewisville
   CARMAX Funding Center       716    CARMAX Funding Center    2911 Lake Vista Drive       USA       75067-3801    Lewisville
      Credit Center    896    CARMAX SPB    2911 Lake Vista Drive       USA       75067-3801    Lewisville
Diversified Region          939    Diversified Financing Region    535 Anton Blvd    Suite 300    USA       92626    Costa Mesa
   RV Funding Center       712    RV Funding Center    535 Anton Blvd    Suite 300    USA       92626    Costa Mesa
      Credit Center    270    RV Credit Center    535 Anton Blvd    Suite 300    USA       92626    Costa Mesa
      Credit Center    670    RV Bank Credit Center    535 Anton Blvd    Suite 300    USA       92626    Costa Mesa

County    State    Contact Name    Phone    Fax    Email    Mailing Address same as Physical    Mailing
Branch Number		    Name    Address Line 1
Wayne    MI                   101    ALLY LOS V5.0    200 Renaissance Dr
Butler    PA       877-436-9118             915    Northeast RBC    PO Box 535160
Butler    PA       877-436-9118    708-222-2222          708    Northeast Funding Center    PO Box 535160
Butler    PA                   004    Pittsburgh SPB    PO Box 380914
Butler    PA                   010    Cleveland SPB    PO Box 380914
Butler    PA                   020    Philadelphia SPB    PO Box 380914
Butler    PA                   103    Hartford SPB    PO Box 380914
Butler    PA                   864    NE LOS RBC SPB    PO Box 380914
Gwinnett    GA       877-436-9116          X    902    Southeast RBC    1735 N Brown Road
Gwinnett    GA       877-436-9116    709-333-3333       X    709    Southeast Funding Center    1735 N Brown Road
Gwinnett    GA                   023    Charlotte SPB    PO Box 380914
Gwinnett    GA                   029    Jacksonville SPB    PO Box 380914
Gwinnett    GA                   340    Atlanta SPB    PO Box 380914
Gwinnett    GA                   599    San Juan, PR    PO Box 380914
Gwinnett    GA                   865    LOS RBC SPB    PO Box 380914
DuPage    IL       877-436-9115             906    Central RBC    PO Box 466
DuPage    IL       877-436-9115    707-111-1111          707    Central Funding Center    PO Box 466
DuPage    IL                   007    Minneapolis SPB    PO Box 380914
DuPage    IL                   008    St Louis SPB    PO Box 380914
DuPage    IL                   045    Michiagn SPB    PO Box 380914
DuPage    IL                   154    Chicago SPB    PO Box 380914
DuPage    IL                   863    C LOS RBC SPB    PO Box 380914
Collin    TX       877-436-9114             911    West RBC    PO Box 650300
Collin    TX       877-436-9114    706-444-4444          706    West Funding Center    PO Box 650300
Denton    TX                   005    Dallas SPB    PO Box 380914
Denton    TX                   021    Denver SPB    PO Box 380914
Denton    TX                   084    Houston SPB    PO Box 380914
Denton    TX                   862    W LOS RBC SPB    PO Box 380914
Collin    TX       877-436-9114    706-444-4444          715    CSG Funding Center    PO Box 650300
Denton    TX                   652    CSG Southeast SPB    PO Box 380914
Denton    TX                   653    CSG Northeast SPB    PO Box 380914

Denton    TX                   690    CSG West SPB    PO Box 380914
Denton    TX                   693    CSG Central SPB    PO Box 380914
Denton    TX                   696    CSG Pacific West Coast SPB    PO Box 380914
Denton    TX                   888    Single CSG SPB    PO Box 380914
Duval    FL                   899    Ally Non Prime SPB    PO Box 380914
Orange    CA          714-913-2656    714-913-2695       932    Pacific West Coast RBC    535 Anton Blvd
Orange    CA          877-436-9114    714-913-2695       774    Pacific West Coast Funding Center    535 Anton Blvd
Denton    TX                   061    Phoenix SPB    PO Box 380914
Denton    TX                   085    Sacramento SPB    PO Box 380914
Denton    TX                   861    PW LOS RBC SPB    PO Box 380914
Salt Lake    UT                X         
Salt Lake    UT                   611    Ally Bank    PO Box 725
Salt Lake    UT                   628    Ally Bank - Northeast    PO Box 725
Salt Lake    UT                   673    Ally Bank - Southeast    PO Box 725
Duval    FL          888-293-2611          940    Ally Non Prime Region    7159 Corklan Drive
Duval    FL          888-293-2611    704-555-5555       704    Non Prime Funding Center    PO Box 57611
Duval    FL                   899    Ally Non Prime SPB    PO Box 380914
Denton    TX                   956    DFG Region    PO Box 650300
Denton    TX                   786    DFG Funding Center    PO Box 650300
Denton    TX                   886    DFG SPB    po Box 380914
Denton    TX                   811    HVC SPB    PO Box 380914
Denton    TX                   922    CARMAX Region    PO Box 650300
Denton    TX                   716    CARMAX Funding Center    PO Box 650300
Denton    TX                   896    CARMAX SPB    PO Box 380914
Orange    CA       877-436-9118          X         
Orange    CA    Cheryl Standon    800-814-8842    714-327-1103    cheryl.standon@ally.com    X         
Orange    CA    Robert Kennedy    877-401-2559    714-327-1103    robert.kennedy@ally.com       270    RV Credit Center    PO Box 380914
Orange    CA    Robert Kennedy    877-401-2559    714-327-1103    robert.kennedy@ally.com       670    RV Bank Credit Center    PO Box 380914

Address Line 2    Address
Line 3		    Country    Zip Code    City    County    State Contact Name    Phone    Fax    Email
M.C. 482-B15-A48       USA    08265    Detroit    Wayne    MI         
      USA    15253    Pittsburgh    Allegheny    PA    877-436-9118      
      USA    15253    Pittsburgh    Allegheny    PA    877-436-9118      
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    724-742-4248   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    724-742-4248   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    724-742-4248   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    724-742-4248   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    724-742-4248   
Suite 500       USA    30043    Lawrenceville    Gwinnett    GA    877-436-9116      
Suite 500       USA    30043    Lawrenceville    Gwinnett    GA    877-436-9116      
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    704-381-3369   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    770-381-3369   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    770-381-3369   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    561-206-5197   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    770-381-3369   
      USA    60462    Orland Park    Cook    IL    877-436-9115      
      USA    60462    Orland Park    Cook    IL    877-436-9115      
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    708-873-4978   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    708-873-4978   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    800-524-3626   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    708-873-4989   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    800-524-3626   
      USA    75265    Dallas    Dallas    TX    877-436-9114      
      USA    75265    Dallas    Dallas    TX    877-436-9114      
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    972-537-3261   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    972-537-3261   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    972-537-3261   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    972-537-3261   
      USA    75265    Dallas    Dallas    TX    877-436-9114      
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    800-428-4622   
      USA    55438    Bloomington    Hennepin    MN    877-401-2559    800-428-4622   

   USA    55438    Bloomington    Hennepin    MN       877-401-2559    800-428-4622   
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    800-428-4622   
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    800-428-4622   
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    800-428-4622   
   USA    55438    Bloomington    Hennepin    MN       877-401-2559      
Suite 300    USA    92626    Costa Mesa    Orange    CA       714-913-2656    714-913-2695   
Suite 300    USA    92626    Costa Mesa    Orange    CA       714-913-2656    714-913-2695   
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    972-537-3261   
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    972-537-3261   
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    972-537-3261   
   USA    84047    Midvale    Salt Lake    UT       877-401-2559      
   USA    84047    Midvale    Salt Lake    UT       877-401-2559      
   USA    84047    Midvale    Salt Lake    UT       877-401-2559      
Suite 200    USA    32258    Jacksonville    Duval    FL       888-293-2611      
   USA    32241-7611    Jacksonville    Duval    FL       888-293-2611      
   USA    55438    Bloomington    Hennepin    MN       877-401-2559      
   USA    75265-0300    Dallas    Dallas    TX            
   USA    75265-0300    Dallas    Dallas    TX            
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    972-537-3261   
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    972-537-3261   
   USA    75265-0300    Dallas    Dallas    TX            
   USA    75265-0300    Dallas    Dallas    TX            
   USA    55438    Bloomington    Hennepin    MN       877-401-2559    972-537-3261   
   USA    55438    Bloomington    Hennepin    MN    Robert Kennedy    877-401-2559    714-327-1103    robert.kennedy@ally.com
   USA    55438    Bloomington    Hennepin    MN    Robert Kennedy    877-401-2559    714-327-1103    robert.kennedy@ally.com