SmartNotes

Welcome to GMAC SmartNotes

When you invest in SmartNotes, you invest in GMAC; a diversified global financial services company. GMAC provides services through its Financial, Mortgage and Insurance Operations.

SmartNotes are medium term notes that typically offer fixed, floating and step rate structures with a variety of payment options and maturities. With SmartNotes, not only do you have an investment in GMAC, you also have the added advantage of receiving higher yields and more favorable terms than are typically offered by other fixed income investments.

Experience the Value and Convenience of SmartNotes

SmartNotes by GMAC offers a low minimum investment (as little as $1,000) and a variety of rates, maturity dates, and interest payment options.

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, click on 'Review Prospectus' link under the 'Need Help?' box on the right.