Information for Investors

The business of GMAC is financed by equity capital, intermediate and long-term debt issues, short-term and medium-term notes, securitization of assets and overseas borrowing under bank lines of credit.

In the United States

GMAC Demand Notes: Demand Notes is designed to offer eligible GM family members a convenient means of investing funds directly with GMAC. Demand Notes is an unsecured debt obligation of GMAC. It is neither a money market fund nor a bank account and is not FDIC insured. Demand Notes provide a favorable rate of return (when compared to competitive investments), easy access to your funds and a low initial investment of $1,000. Offered in the U.S. by prospectus only. For a prospectus and information: Call 1-888-271-4066 or visit www.demandnotes.com.

GMAC SmartNotes: An investment that offers both fixed and floating rate structures and is designed for the individual investor. SmartNotes have various interest payment structures with maturities from nine months to 30 years. Notes are issued in denominations of $1,000 or more and are sold in the U.S. by prospectus only. For a prospectus and rate information: Call 1-888-271-4066 or visit www.smartnotes.com.

Commercial Paper: GMAC principally offers commercial paper directly to institutional and commercial investors in book-entry form on a continuous basis. These short-term promissory notes are available to mature on any business day selected by the investor, with a maximum maturity of 270 days. GMAC commercial paper is issued on a discount or interest-bearing basis at identical yields and is payable upon maturity at a designated bank. For rate information or to place an order: Call 1-800-338-4622.

Medium-term Notes: GMAC sells medium-term notes through dealer agents in book-entry form. These notes are offered by prospectus and are issued in registered form for any maturity ranging from nine months to 30 years. Interest on fixed-rate notes is paid semiannually on April 1 and October 1, or annually on October 1, at the option of the original purchaser, and at maturity. Notes are issued in denominations of $1,000 or more: For a prospectus: Call 1-800-338-4622 or write P.O. Box 200, Detroit, MI 48265-2000.

Outside the United States

GMAC of Canada Limited borrows its funds in a similar manner to that followed by GMAC in the United States. In other countries, funds required to finance GMAC operations are generally acquired through a combination of short-term and medium-term loans from banks, institutional investors, capital market transactions and, in certain countries, through the sales of notes in the open market. The general practice is for such borrowings to be guaranteed by GMAC.

Contact Us

GMAC Financial Services:
www.gmacfs.com  Opens in new window

GMAC Investor Relations:
917-369-2315

GMAC Customer Service Center / Auto Financing:
800-200-4622

GMAC Demand Notes/SmartNotes:
888-271-4066
www.demandnotes.com  Opens in new window
www.smartnotes.com  Opens in new window

SmartLease/Smart Products:
800-327-6278

ResCap:
952-857-7000
www.rescapholdings.com  Opens in new window

GMAC Bank:
866-2GMBANK
www.gmacbank.com  Opens in new window

GMAC Family First:
800-964-GMAC
www.gmfamilyfirst.com  Opens in new window

GMAC Mortgage:
800-888-GMAC
www.gmacmortgage.com  Opens in new window

GMAC Real Estate:
800-274-SOLD
www.gmacrealestate.com  Opens in new window

GMAC Commercial Finance:
248-356-4622
www.gmaccf.com  Opens in new window

GMAC Insurance
   GM Family: 800-328-5503
   Consumer: 800-847-2886
   Mechanical Customer Service Center: 800-631-5590
www.gmacinsurance.com  Opens in new window

GMAC files with the Securities and Exchange Commission Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. These reports contain complete information concerning GMAC, including financials. These reports are available on GMAC’s website at www.gmacfs.com (to access them enter “Investment” then “Financial Statements and SEC Filings”). In addition, you can write us at Controller’s Office, 200 Renaissance Center, MC 482-B08-A36, Detroit, MI 48265 to obtain a copy of any such current filed report.