AMERICAN GENERAL Financial Services

Personal Loans through American General Financial Services

We can help make your dreams a reality. Loans for any purpose: vacation, home improvements, major purchases, education and debt consolidation. A variety of payment plans to fit your budget.

* Easy to apply online or through your local office
* No application fee
* Any size loan to meet your needs
* Fast response - usually in one hour or less
* Secured or unsecured loans
* Local lender with a nationwide presence

Retail Financing through American General Financial Services

Let American General Help You Make The Sale

American General Financial Services is a leading provider of revolving and installment financing, helping thousands of retailers make the sale for more than 85 years.

Choose from a variety of financing payment plans designed to help you make your product or service affordable and competitive. The results: more business, higher revenues, and increased customer satisfaction and loyalty.

Why American General Financial Services?

* Financial Stability - American General Financial Services has over $25 billion in assets with over 1,500 consumer finance branches in the United States, Puerto Rico, and the US Virgin Islands. Our parent company, American International Group (AIG) is the world's leading international insurance and financial services organization.
* Reliable - More than 17,000 merchants currently count on us for rapid approvals and quick funding.
* Dedicated to Service - We have more than 9,000 professionals committed to customer and merchant satisfaction through centralized and local service, support, and training.
* Capable - Designated Retail Account Managers and over 1,500 branch offices are located strategically across the United States. Together with central service and support departments, we provide a team oriented approach to financing.

Financing allows the customer to get what they want or need when they want it without reducing their savings account or increasing their credit card debt or other lines of credit.

American Dream Revolving Credit Retail Financing -- American General Financial Services

Revolving Credit is the Solution for Merchants Who Need Add-on Purchase Power for Repeat Customers

Across the country, thousands of merchants take advantage of the American Dream revolving finance program from American General Financial Services. American Dream financing plans are geared to what today's customers want - fast, easy ways to pay for merchandise that dreams are made of. It gives local merchants the promotional payment options they need to compete with other companies offering similar products or services.

Program Features:

Application Processing and Funding

* Simple and fast application processing
* Immediate access to accounts for authorization via our automated Authorization System
* Quick funding (often same day)
* Revolving accounts for add-on purchasing power

Technology

* Verifone Processing Terminal
o Point of sale device which provides fast application data entry and credit decisions with simple funding at your store.
* System to System Capability
o GERS Retail Systems
o STORIS Management Systems
o Custom Interfaces
* Internet Application Processing System (IAPS)
o Allows your customers to apply from home via a link on your website.
* Voice Response Unit (VRU)
o Provides your staff with the ability to obtain an authorization on a customer's account via the telephone.
* Phone Bank
o Provides your sales force with the capability of submitting applications via the telephone from a customer's home.
* AGF Direct
o Internet based point of sale software that allows you, as a retailer, to submit applications, authorize accounts, access available credit, and process funding all from the convenience of your own PC.

Promotional Payment Options

AGFS offers many promotional payment options that you can use individually or in combination to drive business into your store, such as:

* Same as Cash Options
* Deferred Payments
* Equal Payments
* Reduced APRs

*Custom promotional payment options are also available using a combination of the promotional terms to help you gain a competitive advantage.

Effective Marketing Options

* Billing Statement messages
* Point of Sale materials
* Customized Credit Cards
* Acquisition mail programs

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