1. Preliminary
2007 Fourth Quarter and Full Year Earnings
February 5, 2008
9:00 AM EST
Contact GMAC Investor Relations at (866) 710-4623 or investor.relations@gmacfs.com

2. Forward-Looking Statements
In the presentation that follows and related comments by GMAC LLC (“GMAC”) management, the use of the words “expect,”
“anticipate,” “estimate,” “forecast,” “initiative,” “objective,” “plan,” “goal,” “project,” “outlook,” “priorities,” “target,” “intend,”
“evaluate,” “pursue,” “seek,” “may,” “would,” “could,” “should,” “believe,” “potential,” “continue,” or similar expressions is intended
to identify forward-looking statements. All statements herein and in related management comments, other than statements of
historical fact, including without limitation, statements about future events and financial performance, are forward-looking
statements that involve certain risks and uncertainties. While these statements represent our current judgment on what the future
may hold, and we believe these judgments are reasonable, these statements are not guarantees of any events or financial
results, and GMAC’s and ResCap’s actual results may differ materially due to numerous important factors that are described in
the most recent reports on SEC Forms 10-K and 10-Q for GMAC and Residential Capital, LLC (“ResCap”), each of which may be
revised or supplemented in subsequent reports on SEC Forms 10-Q and 8-K. Such factors include, among others, the following:
securing low cost funding to sustain growth for GMAC and ResCap and maintaining the mutually beneficial relationship between
GMAC and General Motors Corporation (“GM”); our ability to maintain an appropriate level of debt; the profitability and financial
condition of GM; restrictions on ResCap’s ability to pay dividends to us; recent developments in the residential mortgage market,
especially in the nonprime sector; changes in the residual value of off-lease vehicles; the impact on ResCap of the continuing
decline in the U.S. housing market; changes in U.S. government-sponsored mortgage programs or disruptions in the markets in
which our mortgage subsidiaries operate; disruptions in the market in which we fund GMAC’s and ResCap’s operations, with
resulting negative impact on our liquidity; changes in our contractual servicing rights; costs and risks associated with litigation;
changes in our accounting assumptions that may require or that result from changes in the accounting rules or their application,
which could result in an impact on earnings; changes in the credit ratings of ResCap, GMAC or GM; changes in economic
conditions, currency exchange rates or political stability in the markets in which we operate; and changes in the existing or the
adoption of new laws, regulations, policies or other activities of governments, agencies and similar organizations. Investors are
cautioned not to place undue reliance on forward-looking statements. GMAC undertakes no obligation to update publicly or
otherwise revise any forward-looking statements except where expressly required by law. A reconciliation of certain non-GAAP
financial measures included within this presentation is provided in the supplemental charts.
Use of the term “loans” describes products associated with direct and indirect lending activities of GMAC’s global operations.
The specific products include retail installment sales contracts, loans, lines of credit, leases or other financing products. The term
“originate” refers to GMAC’s purchase, acquisition or direct origination of various “loan” products.
2
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

3. Table of Contents
1. GMAC Page 4
2- Global Auto Finance Page 6
3- Insurance Page 10
4- ResCap Page 12
5- Liquidity and Funding Page 18
6- Summary Page 19
7- Supplemental Page 20
3
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

4. 2007 – Fourth Quarter Performance Highlights
Q4 2007 loss of $724 million, versus earnings of $1,016 million in
Q4 2006
• Loss driven by ResCap performance due to asset write downs and
impairments, restructuring costs, weaker consumer credit. Partially
offset by gains from the repurchase and retirement of debt and
deconsolidation of several on-balance sheet securitizations
Full-year 2007 loss of $2.3 billion, versus earnings of $2.1 billion in
2006
• Full-year results also reflect the difficult conditions for our mortgage
operations
GMAC ended 2007 with $22.7 billion of cash and certain marketable
securities
GMAC ex. ResCap $18.3 billion
ResCap 4.4 billion
GMAC $22.7 billion
4
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

5. Net Income and Significant Items
Net Income by Segment
Q4 2007 Q4 2006 Chg FY 2007 FY 2006 Chg
($ millions)
Global Automotive Finance $137 $593 ($456) $1,485 $1,243 $242
Insurance 68 735 (667) 459 1,127 (668)
ResCap (921) (128) (793) (4,346) 705 (5,051)
Other (8) (184) 176 70 (950) 1,020
Consolidated net income ($724) $1,016 ($1,740) ($2,332) $2,125 ($4,457)
GMAC Consolidated Significant Items
Q4 2007 Q4 2006 FY 2007 FY 2006
($ millions)
Goodwill Impairment - - ($455) ($695)
Capital Gains - 570 - 570
Restructuring Charges (131) - (131) -
Debt Repurchase/Tender 563 - 563 -
Gain on Deconsolidation 438 - 526 -
Memo: Q4 Provision on Deconsolidated Assets (281)
Memo: Gain on Deconsolidation, Net of Q4 Provision 157
LLC Conversion - 791 - 791
ResCap HFS Valuation Adjustments (91) (257) (1,476) (273)
ResCap Gain/Loss on Investment Securities,net (399) (56) (748) 69
ResCap REO Impairment (167) (424) -
-
ResCap Lot Option/Model Home Impairment (77) (45) (204) (45)
5
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

6. Global Auto Finance – Key Metrics
($ m il)
Net Income Global Consumer Originations
($ bil)
$700 Used
$18.8
$593 $21
$554
$600 New
$14.0 $14.5 $13.4
$500 $16 $12.3 $12.9
$399 $395 $12.3
$400 $10.8
$11
$285
$300 $211
$154
$200 $137
$6 $2.3
$2.1 $2.1 $1.9
$100 $1.5 $1.5 $1.4 $1.4
$0 $1
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
'06 '06 '06 '06 '07 '07 '07 '07
($ m il)
($ bil)
Global Consumer Auto Asset Base Retail Gain/(Loss) on Sales
$170
of Auto Loans $131
$140
$124
$123 $123
$130 $121
$120 $120 $120 $120
$110 $87 $86
$115
$56
$80 $55
$ 99
$ 96
$100 $ 94
$50
$ 83
$ 85
$ 84
$ 83 $ 83
$85 $20
$70 ($10)
($26) ($29)
($40)
$55
($70)
$40
($100) ($95)
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
'06 '06 '06 '06 '07 '07 '07 '07
Serviced On-Balance Sheet
All tables include North American and International Operations. Origination figures include auto loans and leases
6
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

7. Global Auto Finance – Condensed Income Statement
Q4 2007 Q4 2006
($ millions)
Revenue
Total financing revenue $3,804 $3,544
Interest expense 2,314 2,147
Depreciation expense on operating lease assets 1,383 1,152
Net financing revenue 107 245
Other revenue
Servicing fees 89 94
Gain on sale of loans, net 165 238
Investment income 116 78
Other income 743 481
Total other revenue 1,113 891
Total net revenue 1,220 1,136
Provision for credit losses 188 197
Non-interest expense
Compensation and benefits expense 198 233
Other operating expenses 591 531
Total non-interest expense 789 764
Income before income tax expense (benefit) 243 175
Income tax expense (benefit) 106 (418)
Net income $137 $593
7
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

8. Auto Delinquency Trends – Managed Portfolio
Global Delinquencies- as % of Managed Retail Contracts
30 days or more past due
2.8%
2.68%
2.7% 2.66%
2.61% 2.63%
2.6%
2.52%
2.5% 2.48%
2.46%
2.4% 2.40%
2.3%
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
North Asia Latin
Global
America Europe Pacific America
Loans > 30 Days Past Due
Q4 2007 2.77% 1.36% 1.90% 4.06% 2.68%
Q4 2006 2.62% 1.77% 2.44% 3.79% 2.61%
Year over Year Change +15bps -41bps -54bps +27bps +7 bps
8
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

9. Consumer Auto Loss Trends – Managed
Global Annualized Credit Losses
as % of Retail Contracts
1.3%
1.22%
1.2% 1.12%
1.10%
1.13%
1.1% 1.05%
1.02%
1.0% 0.97%
0.92%
0.9%
0.8%
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
North Asia Latin
America Europe Pacific America Global
Net Retail Losses (% Avg Assets)
YTD 2007 1.20% 0.32% 0.35% 1.04% 1.02%
YTD 2006 1.20% 0.73% 0.33% 0.92% 1.10%
Year over Year Change 0bps -41bps +2bps +12bps -8bps
9
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

10. Insurance – Key Metrics
Net Income
($ m il)
Core Earnings*
($ mil)
$735
$800 $200 $170
$700
$143
$600 $134
$150 $126
$118 $114
$500
$85
$400 $100 $70
$300 $183
$143
$200 $129 $131 $50
$117
$80 $68
$100
$0 $0
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
'06 '06 '06 '06 '07 '07 '07 '07
Combined Ratio** Premiums Written
($ m il)
98% 96.9% $1,150
96.2% $1,070 $1,070 $1,063
95.3%
96% $1,030 $1,037
$1,050
$964
94% $942
92.5% $936
$950
91.3% 91.0%
92% 90.2%
89.4% $850
90%
88% $750
86%
$650
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
'06 '06 '06 '06 '07 '07 '07 '07
*Core Earnings = underwriting income + investment income, net of tax. See supplemental charts for a reconciliation of core earnings to GAAP income.
**Combined Ratio = sum of all incurred losses and expenses (excluding interest and income tax expense) divided by the total premiums and service revenues
earned and other income. Excluding Provident acquisition, the combined ratio would be 93.8% and 95.4% for Q3 2007 and Q4 2007 respectively.
10
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

11. Insurance – Condensed Income Statement
Q4 2007 Q4 2006
($ millions)
Revenue
Insurance premiums and service revenue earned $1,133 $1,067
Investment income 107 960
Other income 42 34
Total insurance premiums and other income 1,282 2,061
Insurance losses and loss adjustment expenses 656 590
Acquisition and underwriting expense 472 406
Premium and other non-income taxes 24 23
Income before income tax expense 130 1,042
Income tax expense 62 307
Net income $68 $735
11
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

12. ResCap Key Operating Issues
U.S. Residential Finance
• Reduced assets largely through nonprime deconsolidation removing
$22 billion from the balance sheet in the fourth quarter
• Maintained prime conforming agency production while reducing nonprime and
prime nonconforming production
• Servicing portfolio remained stable even as nonprime component was
reduced
Business Lending
• Total asset base reduced by $0.9 billion to $5.6 billion in Q4
• Increased focus on asset management and workout activities as housing
market deteriorates and builders face increasing pressure
International Business
• Securitization and whole loan activity curtailed as a result of global credit
market turmoil
• Diminished production significantly due to constrained market liquidity
12
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

13. ResCap – Key Metrics
($ m il) ($ bil) 1
ResCap Net Income ResCap Total Assets
$150
$548 $136
$125 $133 $126 $122
$500 $201 $122
$83 $114
$120
$100 Of the total, $17 billion was $88
($300) $90
($128) securitized on-balance
($254)
($700)
sheet at 12/31/07, with net
$60
($1,100) ($921) economic exposure limited
($910)
($1,500) $30 to $535 million
($1,900) ($2,261) $0
($2,300)
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
'06 '06 '06 '06 '07 '07 '07 '07
Total HFI, net of Allowance All Other
($ bil)
($ bil)
Primary Servicing - Period End ResCap Loan Production
$461 $466 $453 $60
$453
$500 $434 $449
$51.5 $49.2
$410
$393 $47.0
$400 $41.6
$45 $37.5
$34.8
$300 $29.3
$30 $20.8
$200
$100 $15
$0
$0
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
'06 '06 '06 '06 '07 '07 '07 '07
2
Prime Conforming Prime Nonconforming Nonprime 2
Prime Conforming Prime Nonconforming Nonprime
1) Total assets include the auto assets of GMAC Bank as represented in ResCap’s 10-K financial statements.
2) Government and Prime Second Liens are included in Prime Nonconforming.
13
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

14. ResCap – Condensed Income Statement
Q4 2007 Q4 2006
($ millions)
Revenue
Total financing revenue $1,288 $2,007
Interest expense 1,421 1,747
Net financing revenue (133) 260
Other revenue
Servicing fees 440 421
Servicing asset valuation and hedge activities, net 34 (413)
Insurance premiums and service revenue earned 11 9
Gain on sale of loans, net 299 11
Investment income (335) 9
Other income 457 231
Total other revenue 906 268
Total net revenue 773 528
Provision for credit losses 830 850
Non-interest expense
Compensation and benefits expense 229 222
Other operating expenses 646 408
Total non-interest expense 875 630
Loss before income tax benefit (932) (952)
Income tax benefit (11) (824)
Net loss ($921) ($128)
*Income statement presentation (condensed) as it appears in GMAC’s Form 10-K; results as they appear in ResCap’s Form 10-K can be found
on page 23 of this presentation.
14
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

15. ResCap – Nonprime and Prime Exposure
($ bil) ($ bil)
Loan Servicing Portfolio Warehouse Lending Receivables
$450 $406 $401
$396
$383 $6 $5.3
$300 $3.6
$4
$150 $1.6 $1.5
$2 $1.2
$70.3 $64.3 $60.0 $52.6
$0.3 $0.2 $0.2
$0 $0
Q1 '07 Q2 '07 Q3 '07 Q4 '07 Q1 '07 Q2 '07 Q3 '07 Q4 '07
($ bil) ($ bil)
Loans Held For Investment
Held For Sale
$20 $17.0 $60
$17 billion of securitized
$15.3 $47.9
$15 assets (largely nonprime),
$45
$12.0
$10.0 with net economic exposure
$10 $25.3
$30 limited to $535 million
$17.4 $16.9
$5.0
$4.0
$5 $2.9 $15
$2.0
$0 $0
Q1 '07 Q2 '07 Q3 '07 Q4 '07 Q1 '07 Q2 '07 Q3 '07 Q4 '07
Nonprime2 Prime and Other1
1) Prime and Other includes Prime Conforming, Prime Nonconforming, Prime Second-Lien, and Government.
2) The nonprime category includes high FICO/high LTV loans, high FICO alternative attribute loans, purchased distressed assets, and subprime assets (Weighted Average
FICO 618) for the domestic business and international loans with at least some adverse credit history.
15
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

16. ResCap – Global Portfolio Credit Quality
Nonaccrual Loans as a Percentage of Nonaccrual Loans as a Percentage of
Mortgage Loans Held For Investment Lending Receivables
14.0% 14.1% 10.9%
15% 12%
12.7%
11.9% 9.3%
10%
12% 10.5%
9.2% 7.1%
8%
8.4% 8.3%
9%
5.0%
6%
6% 2.9%
4%
3% 2% 0.4% 0.2% 0.2%
0% 0%
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07 '06 '06 '06 '06 '07 '07 '07 '07
Net Charge-offs as a Percentage of Net Charge-offs as a Percentage of
Mortgage Loans Held For Investment Lending Receivables
1.0% 3.0% 2.65%
0.73% 0.76% 2.5%
0.8%
2.0%
0.6%
1.5%
0.40%
0.33% 0.33%
0.4% 0.25% 1.0%
0.16% 0.20% 0.47%
0.37%
0.2% 0.22%
0.5% 0.00% 0.03% 0.00% 0.02%
0.0% 0.0%
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07 '06 '06 '06 '06 '07 '07 '07 '07
16
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

17. ResCap Capital and Liquidity
Global ResCap cash and cash equivalents of $4.4 billion (12/31/07)
• ResCap cash declined compared to Q3 2007 for several reasons including:
– Cash expended on the Tender Offer to repurchase debt at a discount
– Incremental cash requirements to support inventory held in International
Operations
Consolidated tangible net worth exceeded the $5.4 billion covenant at year-end
Q1 2007 Q2 2007 Q3 2007 Q4 2007
($ billions)
Cash and Cash Equivalents 2.6 3.7 6.5 4.4
Common Equity 7.2 7.5 6.2 6.0
Syndicated revolving credit facilities remain undrawn and available at $1.75 billion
GMAC Bank provides access to FHLB Advances and Deposits
ResCap has significant maturities related to its secured facilities and unsecured
debt funding during 2008
• GMAC and ResCap continue to aggressively work to maintain adequate liquidity,
including negotiation of renewals, replacement facilities and/or other alternatives,
including use of existing alternative liquidity sources
17
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

18. GMAC Liquidity
The company’s liquidity profile did not change materially in the quarter
• While cash and marketable securities are down, debt is also down
GMAC GMAC Ex. ResCap GMAC
TOTAL ResCap Ex. Bank Bank
($ billions)
Cash & Marketable Securities* (9/30) $28.8 $22.2 $4.4 $2.2
Unsecured Public Debt Maturities (3.4) (3.3) (0.1) -
Open Market Debt Repurchases/Tender (1.4) (1.2) (0.2) -
Changes in Selected Assets** (1.5) (0.4) (0.1) (1.0)
Other 0.2 1.0 (1.0) 0.2
Cash & Marketable Securities* (12/31) 22.7 18.3 3.0 1.4
Net Q4 Chg in Cash & Marketable Securities ($6.1) ($3.9) ($1.4) ($0.8)
*Includes highly liquid marketable securities at 9/30/2007 of $4.8 billion and $5.0 billion at 12/31/2007.
**Changes in loans held for sale, gross finance receivables and loans, investment in operating leases, excluding impact of deconsolidation.
18
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

19. Summary
Challenging performance throughout 2007
• Losses in Q4 2007 are smaller than those in Q3 2007, showing that actions
undertaken in 2007 are starting to produce results
– Restructured ResCap
– Tightened lending standards
– Reduced balance sheet
– Accelerated Auto Finance “originate to distribute” model
– Took appropriate impairments and reserves
– Holding cash at high levels
GMAC and ResCap are refocusing on core strengths
• Maintaining scalable platforms to capitalize on larger share of retail and
commercial auto finance and utilize our exclusive relationship with GM
GMAC is prepared to tackle challenges anticipated in 2008
Forecasting GMAC to return to profitability in 2008
19
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

20. Supplemental Charts
20
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

21. Supplemental
Preliminary Q4 Consolidated Net Income
Q4 2007 Q4 2006 $ Chg % Chg
($ millions)
Revenue
Total financing revenue $5,193 $5,701 ($508) (9%)
Interest expense 3,653 3,825 (172) (4)
Depreciation expense on operating lease assets 1,384 1,156 228 20
Net financing revenue 156 720 (564) (78)
Other revenue
Servicing fees 529 515 14 3
Servicing asset valuation and hedge activities, net 34 (413) 447 108
Insurance premiums and service revenue earned 1,144 1,076 68 6
Gain on sale of loans, net 464 249 215 86
Investment income (75) 1,063 (1,138) (107)
Other income 1,041 694 347 50
Total other revenue 3,137 3,184 (47) (1)
Total net revenue 3,293 3,904 (611) (16)
Provision for credit losses 1,021 1,063 (42) (4)
Non-interest expense
Compensation and benefits expense 544 562 (18) (3)
Insurance losses and loss adjustment expenses 656 590 66 11
Other operating expenses 1,647 1,335 312 23
Total non-interest expense 2,847 2,487 360 14
Income (loss) before income tax expense (benefit) (575) 354 (929) (262)
Income tax expense (benefit) 149 (662) 811 123
Net income (loss) ($724) $1,016 ($1,740) (171%)
21
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

22. Supplemental
Preliminary Full Year Consolidated Net Income
FY 2007 FY 2006 $ Chg % Chg
($ millions)
Revenue
Total financing revenue $21,187 $23,103 ($1,916) (8%)
Interest expense 14,776 15,560 (784) (5)
Depreciation expense on operating lease assets 4,915 5,341 (426) (8)
Net financing revenue 1,496 2,202 (706) (32)
Other revenue
Servicing fees 2,193 1,893 300 16
Amoritzation and impairment of servicing rights 0 (23) 23 100
Servicing asset valuation and hedge activities, net (544) (1,100) 556 51
Insurance premiums and service revenue earned 4,378 4,183 195 5
Gain on sale of loans, net 508 1,470 (962) (65)
Investment income 473 2,143 (1,670) (78)
Other income 3,295 4,054 (759) (19)
Total other revenue 10,303 12,620 (2,317) (18)
Total net revenue 11,799 14,822 (3,023) (20)
Provision for credit losses 3,096 2,000 1,096 55
Non-interest expense
Compensation and benefits expense 2,453 2,558 (105) (4)
Insurance losses and loss adjustment expenses 2,451 2,420 31 1
Other operating expenses 5,286 4,776 510 11
Impairment of goodwill and other intangible assets 455 840 (385) (46)
Total non-interest expense 10,645 10,594 51 0
Income (loss) before income tax expense (1,942) 2,228 (4,170) (187)
Income tax expense 390 103 287 279
Net income (loss) ($2,332) $2,125 ($4,457) (210%)
22
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

23. Supplemental
ResCap – Income Statement*
Q4 2007 Q4 2006 $ Chg % Chg
($ millions)
Revenue
Total Interest Income $1,578 $2,210 ($632) (29%)
Interest Expense 1,479 1,763 (285) 16
Provision for credit losses 836 850 (15) 2
Net financing (loss) revenue (736) (403) (332) (82)
Mortgage Servicing Fees 440 421 18 4
Servicing asset valuation and hedge activities, net 34 (413) 446 -
Net loan servicing income 473 9 465 5285
Net gains/(losses) on sale of loans 299 11 288 2516
Gain on extinguishment of debt 521 - 521 -
Other income (462) 97 (559) -
Noninterest expense 861 656 205 (31)
Restructuring 127 - 127 -
Income Tax expense 4 (823) 827 -
Minority Interest 26 10 16 169
Net income (loss) ($921) ($128) ($793) 620%
Memo: Supplemental ResCap Q4 2007 Information
$ Chg % Chg
Q4 2007 Q4 2006
($ millions)
Net Income
Residential Finance Group ($923) ($686) ($237) (35%)
International Business Group (184) 97 (281) -
Business Capital Group (325) 14 (339) -
1
ResCap Corp/Elims 511 447 65 14%
Total ($921) ($128) ($793) -
*Income statement presentation (condensed) as it appears in ResCap’s Form 10-K; results as they appear in GMAC’s Form 10-K can be found
on page 14 of this presentation.
1) Includes $521 million after-tax gain on retirement of debt in Q4 of 2007 as a result of the ResCap tender and debt
purchased in open market transactions by GMAC and contributed to ResCap, which was subsequently retired.
23
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

24. Supplemental
Sale Proceeds on Lease Terminations – Managed U.S.
Sale Proceeds on Lease
$17,000
Terminations in the U.S.
$16,079
$16,000 $15,992
$15,638
$15,425
$15,446
$15,000 $14,962
$14,886
$14,543
$14,000
$13,000
$12,000
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
'06 '06 '06 '06 '07 '07 '07 '07
Note: 36-month Leases (adjusted for Q4 2007 vehicle mix). Represents GMAC owned portfolio
in the United States.
24
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

25. Supplemental
Reconciliation of Insurance Core Earnings
Q4 2007 Q3 2007 Q2 2007 Q1 2007 FY 2007 Q4 2006 Q3 2006 Q2 2006 Q1 2006 FY 2006
($ millions)
Net Income $68 $117 $131 $143 $459 $735 $183 $80 $129 $1,127
1
Add: Pre-tax interest expense 8 9 5 4 27 6 9 10 12 38
2
Less: Pre-tax capital gains 5 13 1 4 23 875 96 2 29 1,003
Add: Estimated taxes on interest expenses & capital gains (1) 1 (1) 0 (2) 304 30 (3) 6 337
Core Earnings $70 $114 $134 $143 $461 $170 $126 $85 $118 $499
1) Amount within premium tax and other expense in Forms 10-Q and 10-K.
2) Amount within investment income in Forms 10-Q and 10-K.
25
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

26. Supplemental
ResCap Mortgage Production
Q3 2006 Q4 2006 Q1 2007 Q2 2007 Q3 2007 Q4 2007
($ millions)
Prime conforming $12.0 $10.8 $9.6 $12.7 $12.1 $13.0
Total Conforming 12.0 10.8 9.6 12.7 12.1 13.0
Prime non-conforming 16.4 17.5 12.3 9.8 4.7 0.3
Government 0.9 0.8 0.6 0.8 1.0 1.2
Nonprime 8.5 6.9 3.3 0.7 0.2 0.1
Prime second-lien 6.1 5.2 5.3 3.1 2.2 0.9
Total non-conforming 31.9 30.4 21.5 14.5 8.1 2.5
Total Domestic 43.9 41.2 31.0 27.1 20.2 15.5
1
International 7.5 8.0 6.5 7.7 9.1 5.3
TOTAL $51.5 $49.2 $37.5 $34.8 $29.3 $20.8
Mortgage Loan Production
Mortgage Loan Production by Type
($ bil)
($ bil)
20 50
40
15
30
10
20
5
10
0
0
Q3 '06 Q4 '06 Q1 '07 Q2 '07 Q3 '07 Q4 '07
Q3 '06 Q4 '06 Q1 '07 Q2 '07 Q3 '07 Q4 '07
Prime Conforming Prime Nonconforming Government
1
Total International1
Total Domestic
Nonprime Prime Second-lien Total International
1) International includes some nonprime production
26
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

27. Supplemental
ResCap – Global HFS Portfolio
Q4 2007 Distribution of $19.0 billion
Q4 2007 Total HFS Portfolio of $12.0 billion
(Issuance and whole loan sales)
25%
71%
7% 9%
6%
45%
20%
17%
Prime Conforming Prime Nonconforming Non-Agency Public Securitizations
Nonprime Prime Second-lien Agency
Non-Agency Whole Loans
Government
• During Q4 transferred $4.9 billion from HFS to HFI
27
Q4 2007 and Full-Year GMAC Preliminary Earnings Release

28. Supplemental
ResCap – Q4 Significant Items
Significant Items
ResCap Consolidated
($ millions)
Q1 2007 Q2 2007 Q3 2007 Q4 2007 FY 2007
($545) ($330) ($884) ($836) ($2,595)
Provision for Loan Losses
(534) (182) (670) (91) (1,476)
HFS Valuation Adjustments
40 (57) (333) (399) (748)
Gain/Loss on Investment Securities, net
(41) (70) (145) (167) (424)
REO Impairment
Lot Option/Model Home Impairment (9) (20) (98) (77) (204)
(160) (60) - (107) (326)
Repurchase and Other Reserves
- - - (127) (127)
Restructuring Costs
- - 88 438 526
Gain from Deconsolidation
- - - 369 369
Open Market Repurchases/Debt Retirement
- - - 152 152
Tender Offer
- - (455) - (455)
Goodwill Impairment
Note: These amounts are classified according to ResCap's income statement presentation.
28
Q4 2007 and Full-Year GMAC Preliminary Earnings Release