Demand Notes

Welcome to GMAC Demand Notes

Demand Notes is designed to offer eligible members of the GM/GMAC Family a convenient means of investing funds directly with GMAC. Satisfied investors have already learned what sets this program apart from other investments:

• Favorable rate of return, when compared to competitive investments (Click here for rate history pdf)
• Daily compound interest
• Floating interest rate, set weekly
• Online funds transfers
• Easy access to your funds
• Free checks and unlimited check writing (minimum $250)
• Low initial investment and minimum balance of $1,000
• No administrative fees

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 is offered in the U. S. by prospectus only. Complete information concerning Demand Notes is contained in the prospectus.

GMAC has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents GMAC has filed with the SEC for more complete information about GMAC and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, GMAC, will arrange to send you the prospectus if you call 1-800-684-8823 and request a copy.