Frequently Asked Questions
Save your Money. Not your Questions.

At GE Interest Plus, we take pride in going the extra mile to serve you. The good news is that your concerns may have already been addressed. Please read the frequently asked questions, and if you have any other questions, our representatives are available Monday - Friday, 8:30 am - 7:00 pm Eastern Time. They may be reached toll-free at 800-433-4480.

General Information

  1. What is GE Interest Plus?

    GE Interest Plus is an investment designed to provide individual investors with a convenient way to invest directly in General Electric Capital Corporation (GECC). It is an unsecured and unsubordinated debt obligation of GECC and is not a bank account or a money market fund. It is not a bank deposit and is not FDIC insured. It is offered in the U.S. by prospectus only. Complete information concerning GE Interest Plus is contained in the Prospectus.

  2. How does GE Interest Plus set its rates?

    Rates are reviewed by the GE Interest Plus Committee and may be reset weekly.

  3. How is yield calculated?

    Yield reflects the annual rate of return on your investment. It assumes that interest is accrued daily and posted monthly, and that there are no additional investments or redemptions.

  4. How Is Interest Accrued and Paid?

    Interest on the Notes will accrue daily. Accrued interest will be credited and automatically reinvested in additional Notes monthly and will begin to accrue interest on the first day following the date of such reinvestment.

  5. What is the minimum initial investment?

    The minimum initial investment is $500.

  6. Will the interest I earn be taxable?

    Yes. Interest earned on your GE Interest Plus investment will constitute income to you and is taxable in the year in which it is earned. Interest income is subject to federal and applicable state and local taxes. If you received an initial investment incentive, that incentive would be treated as interest income and reported on the 1099 Int. statement you will receive in January of each year.

  7. Why do you pay a lower rate for investments that are greater than $5 Million?

    The rate paid to investments greater than $5 million is designed to encourage investors to maintain investments below $5 Million and only applies to that portion of your investment that is greater than $5 million.

  8. What if I have questions about my investment?

    For up-to-date information about your investment or current GE Interest Plus rates, you may login to GE Interest Plus eService or call our automated touch tone service at 1-800-433-4480, 24 hours a day, 7 days a week. Customer Service Representatives are also available at this number, Monday through Friday, from 8:30 a.m. to 7:00 p.m. Eastern Time.

  9. Can I apply for an investment if I do not have a Driver's License?

    Yes. If you do not have a Driver's License, we will need some other form of state issued identification to verify your identity.

Investing and redeeming

  1. What types of checks will you accept for investment?

    Your investment check must be drawn on a U.S. bank or a U.S. branch of a foreign bank. Funds must be in U.S. dollars. Money orders, traveler's checks, starter checks, cashier's checks, credit card checks and third party checks are not acceptable. Your check must be made payable to "GE Interest Plus" or the registered investors of the GE Interest Plus Investment.

  2. How do I add to or redeem from my investment?

    The easiest way to invest more or redeem is by linking an external bank account and electronically transferring funds to and from your linked bank account. Other ways to invest include mailing in a check, wiring in funds, payroll deductions, authorizing Social Security to deposit your monthly payments, and authorizing automatic monthly transfers from a linked bank account (Auto Invest).

  3. Can I redeem my investment at anytime?

    Yes, you can do so at no charge by simply writing a check ($250 minimum), transferring money to your linked bank account through our Quick Redemption Service ($25 minimum and $50,000 daily maximum) or through the Wire Redemption Service option ($2,500 minimum and a $15 wire fee).

  4. Are there any penalties for redeeming funds?

    No. You have unlimited access to your investment if the funds are available for redemption. If you write a check under the $250 requirement, however, you will be assessed a $10 fee.

  5. What type of bank account can I link to my GE Interest Plus investment?

    It must be a U.S.–based bank checking or savings account with a valid routing number.

  6. Can I link more than one bank account to my GE Interest Plus investment?

    If you are enrolled in eService, you will be able to link different accounts for each service. For example, you may link one bank account for electronic transfers made to add to your investment (Quick Invest) and a different account for electronic transfers made to your bank (Quick Redemption).

  7. When are invested funds available for redemption?

    While funds invested will begin to accrue interest on the day they are posted to your investment, they are available for redemption based on how the funds were invested:

    • Funds invested via a check are available for redemption 7 business days after the date of credit.
    • Funds invested via electronic transfer from your linked bank account (Quick Invest) are available 3business days after the date of credit.
    • Funds invested via wire are available for redemption on the next business day.

Investment Quality

  1. How safe is my investment?

    There is risk with any investment you make. However, with GE Interest Plus, you benefit from the credit worthiness of General Electric Capital Corporation (GECC).

  2. Is GE Interest Plus FDIC Insured?

    GE Interest Plus is not an FDIC- insured bank deposit. It is an investment in the senior unsecured debt of GE Capital Corporation.

  3. Is GE Interest Plus covered under the FDIC's Temporary Liquidity Guarantee Program?

    No, based on the final rules established by the FDIC on 11/21/08, GE Interest Plus is not guaranteed under the FDIC's Temporary Liquidity Guarantee Program.

Fees

  1. Do I pay any sales or management fees?

    No. There are no sales or management fees.

  2. Are there Maintenance Fees?

    There are no regular maintenance. Fees are assessed for checks returned for insufficient funds, wire redemptions, stop payment requests, checks written for less than the $250 minimum, and other unusual services.

Reporting, investor communications

  1. When will I know that my investment has been established?

    If you open your investment online, you will be provided with welcome information on screen and will receive a welcome email. You will also be notified that your investment has been opened through a confirmation statement mailed the next day. If you open your investment by mail, you will be mailed a welcome letter confirming your investment information. Please note that there may be instances where we require additional information to validate your identity before we open your investment account. If that is the case, there may be a delay in the establishment of your investment.

  2. How often will I receive statements?

    You will be emailed a statement notification or mailed a statement monthly. If you do receive your statements online, you’ll have access to 24 months of statements

  3. When will I receive my 1099 Int. Statement?

    GE Interest Plus will mail your 1099 Int. statement in January of each year following the reporting year.

Types of investment accounts

  1. What are the types of investment accounts that I can open?

    GE Interest Plus opens individual investments, joint investments and Uniform Gifts to Minors or Uniform Transfer to Minors investments (UGMA or UTMA).

  2. What is a Uniform Gift to Minor’s Account?

    The Uniform Gift to Minors Act (UGMA) or the Uniform Transfers to Minors Act (UTMA) is a type of custodial account for children. Most states have adopted one form of these uniform acts as a means of transferring ownership of property to children. The Acts allow a person to fund an investment for a child, but limit that child's access to the investment until the child reaches the age of majority. The age of majority is set by state law and typically ranges from 18 to 21. The child is the investment owner, but the parent (or other adult) is named as custodian. The custodian controls the investment until the child is no longer a minor. At that point, the custodial relationship ends and the child controls the investment.

  3. Can I establish an investment account with an address outside the United States?

    No. GE Interest Plus Corporate Notes are a security issued only in the United States. GE Interest Plus is available only to individuals who have an established residence in the U.S.

  4. Can I have my mail sent to an address outside the United States?

    No.

  5. Does GE Interest Plus offer IRAs?

    No. GE Interest Plus is not a retirement investment vehicle.

How to contact us

  1. What are the mailing addresses for GE Interest Plus?

    For financial items:
    GE Interest Plus
    PO Box 6293
    Rantoul, IL 61866-6293

    For Letters/Correspondence:

    GE Interest Plus
    PO Box 6294
    Rantoul, IL 61866-6294

    For Applications:
    GE Interest Plus
    PO Box 6295
    Rantoul, IL 61866-6295

    For overnight mail:
    GE Interest Plus
    1000 S. Perimeter Road
    Rantoul IL 61866

  2. Where do I wire money?

    You can only wire money to us if you have an established investment. If you do, the wire instructions are as follows:


    GE Interest Plus
    The Huntington National Bank
    Indianapolis, Indiana
    ABA #274070442
    Include your 10-digit GE Interest Plus Investment Number

Managing your investment online or over the phone

  1. How can I manage my investment via the Internet?

    Once you receive your investment number, you will be able to manage your investment online through GE Interest Plus eService. If you open your investment online you will register for eService during your application process. If you open your investment by mail, you will register for eService after you receive your Welcome kit. In eService you’ll have fast, safe, and easy access to your investment any time, anywhere and be able to conveniently manage your investment online:

    • Transfer money between your investment and your linked bank account
    • Add or change a linked bank account
    • Update your profile
    • Link your other GE Interest Plus accounts and view them from one log-in
    • View transactions, check images and statements

  2. How secure is my information online?

    To ensure security, we encrypt all information between your PC and GE Interest Plus. Using secured browsers and 128–bit encryption technology, you can be assured security is our number one priority. In fact, 128–bit encryption is one of the highest levels of encryption currently available. 128–bit encryption is the process of scrambling information (typically for data transmission) so that only someone who has the correct encryption key can reassemble it in its original clear text format. When used between you and GE Interest Plus, this encryption technology allows you to encode (or encrypt) your personal information as you send it to us. Only GE Interest Plus can decrypt it. Likewise, when we send personal or investment account information to you, this technology allows us to encode it, and only you can decode it.

  3. What if I am having trouble logging–in to eService?

    For assistance in logging into eService, please call 1-800-433-4480 between 8:30 AM and 7:00 PM ET, Monday through Friday (other than holidays), and speak with a Service Representative.

Questions? Contact us or call us at 1-800-433-4480
Representatives are available Monday – Friday, from 8:30 a.m. to 7:00 p.m. ET

GE Interest Plus is an investment in the senior, unsecured corporate debt of General Electric Capital Corporation. You should note that GE Interest Plus Notes are not a money market fund, which is generally a diversified fund consisting of investment in short term debt securities of many companies. Unlike bank accounts and certificates of deposit, GE Interest Plus is not an FDIC-insured deposit. GE Interest Plus is not guaranteed under the FDIC’s Temporary Liquidity Guarantee Program. It is possible to lose money if GE Capital is unable to pay its debts. Please see the prospectus for important investment information.


The issuer has filed a registration statement (including a prospectus) [Registration Statement No. 333-160487] 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 the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov or by clicking here. Alternatively, the issuer, any underwriter, or any dealer participating in the offering will arrange to mail you the prospectus if you request it by clicking here or calling toll free 1-800-433-4480.


1Yield reflects the annual rate of return on your investment. It assumes that interest is accrued daily and posted monthly, and that there are no additional investments or redemptions.


*The portion of your investment that is greater than $5 Million will earn a rate of .25% and a yield of .25%.

Copyright 2012, General Electric Capital Corporation