Filed Pursuant to Rule 433
Registration No. 333-193070
Term Sheet dated November 12, 2014
3.750% Senior Notes due 2019
| Issuer: | Ally Financial Inc. (“Ally”) | |
| Expected Ratings: | B1 / BB / BB+ (Moody’s/S&P/Fitch) | |
| Title of Securities: | 3.750% Senior Notes due 2019 | |
| Legal Format: | SEC Registered | |
| Trade Date: | November 12, 2014 | |
| Settlement Date: | November 17, 2014 (T+3) | |
| Final Maturity Date: | November 18, 2019 | |
| Aggregate Principal Amount: | $800,000,000 | |
| Gross Proceeds: | $792,800,000 | |
| Underwriting Discount: | 0.800% | |
| Net Proceeds to Ally before Estimated Expenses: | $786,400,000 | |
| Coupon: | 3.750% | |
| Issue Price: | 99.100% | |
| Benchmark Treasury: | 1.500% due October 31, 2019 | |
| Benchmark Treasury Yield: | 1.651% | |
| Spread to Benchmark Treasury: | 229.9 bps | |
| Yield to Maturity: | 3.950% | |
| Interest Payment Dates: | Semi-annually, in arrears on May 18 and November 18 of each year, until maturity, commencing May 18, 2015 | |
| Optional Redemption: | None | |
| Day Count Convention: | 30/360; Unadjusted, Following Business Day convention | |
| Business Days: | New York | |
| CUSIP/ISIN Numbers: | CUSIP: 02005N AW0 | |
| ISIN: US02005NAW02 | ||
| Joint Book-Running Managers: | Barclays Capital Inc. Citigroup Global Markets Inc. J.P. Morgan Securities LLC RBC Capital Markets, LLC | |
| Co-Managers: | Credit Agricole Securities (USA) Inc. Lloyds Securities Inc. PNC Capital Markets LLC Scotia Capital (USA) Inc. U.S. Bancorp Investments, Inc. Cabrera Capital Markets, LLC C.L. King & Associates, Inc. MFR Securities, Inc. Samuel A. Ramirez & Company, Inc. | |
| Denominations: | $2,000 x $1,000 | |
Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time.
The Issuer has filed a registration statement (including a prospectus and related preliminary prospectus supplement for the offering) with the U.S. Securities and Exchange Commission (the “SEC”) for the offering to which this communication relates. Before you invest, you should read the preliminary prospectus supplement, the accompanying prospectus in that registration statement and the other documents the Issuer has filed with the SEC for more complete information about the Issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC’s website at www.sec.gov. Alternatively, the Issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling Barclays Capital Inc. toll-free at 1-888-603-5847, Citigroup Global Markets Inc. toll-free at 1-800-831-9146, J.P. Morgan Securities LLC collect at 1-212-834-4533 or RBC Capital Markets, LLC toll-free at 1-866-375-6829.
This communication should be read in conjunction with the preliminary prospectus supplement and the accompanying prospectus. The information in this communication supersedes the information in the preliminary prospectus supplement and the accompanying prospectus to the extent it is inconsistent with the information in such preliminary prospectus supplement or the accompanying prospectus.