ALLY: 10-K Risk Factor Changes

•Our ability to pay dividends on our common stock or repurchase shares in the future may be limited. •The market price of our common stock could be adversely impacted by anti-takeover provisions in our organizational documents and Delaware law that could delay or prevent a takeover attempt or CIC of Ally or by other banking, antitrust, or corporate laws that have or are perceived as having an anti-takeover effect. The above summary is subject in its entirety to the discussion of the risk factors set forth below. 17 17 17 Table of ContentsAlly Financial Inc. • Form 10-K Table of Contents Ally Financial Inc. • Form 10-K

•Our ability to pay dividends on our common stock or repurchase shares in the future may be limited. •The market price of our common stock could be adversely impacted by anti-takeover provisions in our organizational documents and Delaware law that could delay or prevent a takeover attempt or change in control of Ally or by other banking, antitrust, or corporate laws that have or are perceived as having an anti-takeover effect. The above summary is subject in its entirety to the discussion of the risk factors set forth below. 18 18 18 Table of ContentsAlly Financial Inc. • Form 10-K Table of Contents Ally Financial Inc. • Form 10-K