KMF September Program Enhancements

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1 KMF September Program Enhancements National Excluding Tri States Excluding (CT, NJ and NY) Kia Motors Finance (KMF) is pleased to announce the below enhancements to September Promotions. Please refer to the corresponding bulletins for complete details, all enhancements will be highlighted in yellow. 1 MY15 Cadenza Special Lease (502): $20 improvement on feature payments 2 MY16 Forte 66-month terms at 60-month rates (as low as 0% for 66 months) Additional $500 Bonus Cash ELIGIBLE CUSTOMERS: FICO Score 700+ (Tiers 1 3) PROMOTION CODES: LAPR (500) & Dealer Choice (506) 3 Low APR (500): MY16 Soul Rates as low as 0.9% for up to 60 months Dealer Choice (506): Additional $500 Bonus Cash Special Lease (502): $10 improvement on feature 36 Month payment 4 Low APR (500) and Dealer Choice (506): MY16 Sportage Additional $500 Bonus Cash liability. KMF shall not be bound by any previous interpretations made by KMF before or during the program. This announcement supersedes all previously COMPLIANCE WITH ALL APPLICABLE ADVERTISING AND CONSUMER FINANCE DISCLOSURE LAWS CONCERNING ANY DEALER ADVERTISING OF THIS

2 Cadenza September Enhancements Kia Motors Finance (KMF) is pleased to announce the below lease enhancements to MY15 Cadenza. KMF Special Lease -- (Select code '502'): MY 2015 Cadenza 24mo Lease Model # Model Lease Cash Tier 1-3 (FICO 700+) E4222 Premium 3.3L GDI V6 6 A/T $7, % $150 Flat Only E4292 Limited 3.3L GDI V6 6 A/T $9, % or- $150 Flat MY 2015 Cadenza 36mo Lease Model # Model Lease Cash E4222 Premium 3.3L GDI V6 6 A/T $5, % $150 Flat Only E4292 Limited 3.3L GDI V6 6 A/T $6, % or- $150 Flat MY 2015 Cadenza 48mo Lease Model # Model Lease Cash E4222 Premium 3.3L GDI V6 6 A/T $5, % or- $150 Flat E4292 Limited 3.3L GDI V6 6 A/T $5, % or- $150 Flat

3 Cadenza September Enhancements KMF Special Lease Program Example -- (Select code '502'): Sign It & Drive It Model Year Model Cadenza Cadenza Term Model# E4222 E4222 Trim Premium 3.3L GDI V6 6 A/T Premium 3.3L GDI V6 6 A/T Invoice, incl. Freight* $33, $33, Gross Margin**** $2, $2, Gross Cap Cost $35, $35, KMF Lease Cash $7, $5, KMA OLP/CBP N/A N/A KMA Bonus Cash N/A N/A Cap Cost Reduction $2, $0.00 Net Cap Cost $26, $30, MSRP, incl. Freight $35, $35, RV% (12,000 mi./yr)*** 56% 51% RV$ $20, $18, FICO 700+ Money Factor ** ** Monthly Depreciation $ $ Monthly Rent Charge $8.78 $19.94 Monthly BASE Payment $267 $359 Cap Cost Reduction $2, $0.00 Acquisition Fee $ $0.00 Security Deposit $0.00 $0.00 Due at Lease Signing: $2,999 $0 * Invoice as published in KMA's Pricing Guides. Includes Flooring & Holdback. ** The money factor to the consumer CANNOT be increased over the published rate. Dealer rate participation is NOT available under this advertising special program. *** All examples use residuals based on 12,000 mile per year lease. ****For Sign It and Drive It the gross margin will be reduced by the amount of the first months payment ***** Gross Cap Cost includes acquisition fee for Sign-It & Drive-It Lease Program $150 flat fee will be paid on all lease contracts booked under this special lease program. Total Net Cap Cost and base monthly payment does not include tax, license, registration, options, and the like.

4 MY16 Forte September Enhancements Kia Motors Finance (KMF) is pleased to announce enhanced APR promotions for MY16 Forte. KMF Low APR -- (Select code '500'): MY 2016 Forte Terms Reserve Tier FICO Range KMF Bonus Cash Mark-up -or- Flat 1/ $ % 0.0% 0.0% 0.0% 1.9% N/A -or- $ $ % 0.0% 0.0% 0.0% 1.9% N/A -or- $ $ % 1.9% 1.9% 3.9% 3.9% N/A -or- $ $ % 2.9% 2.9% 5.0% 5.0% N/A -or- $ $ % 3.9% 3.9% 6.25% 6.25% N/A -or- $ $ % 5.9% 5.9% 8.25% 8.25% N/A -or- $ $ % 9.9% 9.9% 9.9% 9.9% N/A -or- $100 KMF Dealer Choice -- (Select code '506 ): MY 2016 Forte Terms Reserve Tier FICO Range KMF Bonus Cash Mark-up -or- Flat 1/ $1, % 1.9% 1.9% 1.9% 3.9% 1% -or- STD $1, % 1.9% 1.9% 1.9% 4.9% 1% -or- STD $1, % 3.9% 3.9% 5.9% 5.9% 1% -or- STD $1, % 4.9% 4.9% 7.0% 7.0% 1% -or- STD $1, % 5.9% 5.9% 8.25% 8.25% 1% -or- STD $1, % 7.9% 7.9% 10.25% 10.25% 1% -or- STD $1, % 11.9% 11.9% 11.9% 11.9% 1% -or- STD

5 MY16 Soul September Enhancements Kia Motors Finance (KMF) is pleased to announce enhanced APR and Special Lease promotions for MY16 Soul. KMF Low APR -- (Select code '500'): MY 2016 Soul Terms Reserve 1/ $0 0.9% 0.9% 0.9% 1.9% N/A -or- $ $0 0.9% 0.9% 0.9% 1.9% N/A -or- $ $0 1.9% 1.9% 1.9% 3.9% N/A -or- $ $0 2.9% 2.9% 2.9% 5.0% N/A -or- $ $0 3.9% 3.9% 3.9% 6.25% N/A -or- $ $0 5.9% 5.9% 5.9% 8.25% N/A -or- $ $0 9.9% 9.9% 9.9% 9.9% N/A -or- $100 KMF Dealer Choice -- (Select code '506 ): MY 2016 Soul Terms Reserve 1/ $1, % 2.9% 2.9% 3.9% 1% -or- STD $1, % 2.9% 2.9% 4.9% 1% -or- STD $1, % 3.9% 3.9% 5.9% 1% -or- STD $1, % 4.9% 4.9% 7.0% 1% -or- STD $1, % 5.9% 5.9% 8.25% 1% -or- STD $1, % 7.9% 7.9% 10.25% 1% -or- STD $1, % 11.9% 11.9% 11.9% 1% -or- STD KMF Special Lease -- (Select code '502'): MY 2016 Soul 36mo Lease Model # Model Lease Cash B1511 Base 1.6L GDI I4 6 M/T $ % or- $150 Flat B1512 Base 1.6L GDI I4 6 A/T $ % $150 Flat Only B2522 Plus 2.0L I4 6 A/T $ % or- $150 Flat B2542 Exclaim 2.0L I4 6 A/T $ % or- $150 Flat MY 2016 Soul 48mo Lease Model # Model Lease Cash B1511 Base 1.6L GDI I4 6 M/T $ % or- $150 Flat B1512 Base 1.6L GDI I4 6 A/T $ % or- $150 Flat B2522 Plus 2.0L I4 6 A/T $ % or- $150 Flat B2542 Exclaim 2.0L I4 6 A/T $ % or- $150 Flat

6 MY16 Soul September Enhancements KMF Special Lease Program Example -- (Select code '502'): Model Year 2016 Model Soul Term 36 Model# B1512 Trim LX 2.4L I4 6 A/T FWD Invoice, incl. Freight* $17, Gross Margin**** $ Gross Cap Cost $17, KMF Lease Cash $0.00 KMA OLP/CBP $0.00 KMA Bonus Cash N/A Cap Cost Reduction $1, Cap Acq. Fee $0.00 Net Cap Cost $16, MSRP, incl. Freight $18, RV% (12,000 mi./yr)*** 60% RV$ $10, FICO 700+ Money Factor ** Monthly Depreciation $ Monthly Rent Charge $25.31 Monthly BASE Payment $189 Cap Cost Reduction $1, Acquisition Fee $ Security Deposit $0.00 Due at Lease Signing: $1,999 * Invoice as published in KMA's Pricing Guides. Includes Flooring & Holdback. ** The money factor to the consumer CANNOT be increased over the published rate. Dealer rate participation is NOT available under this advertising special program. *** All examples use residuals based on 12,000 mile per year lease. ****For Sign It and Drive It the gross margin will be reduced by the amount of the first months payment ***** Gross Cap Cost includes acquisition fee for Sign-It & Drive-It Lease Program $150 flat fee will be paid on all lease contracts booked under this special lease program. Total Net Cap Cost and base monthly payment does not include tax, license, registration, options, and the like.

7 MY16 Sportage September Enhancements Kia Motors Finance (KMF) is pleased to announce enhanced APR promotions for MY16 Sportage. KMF Low APR -- (Select code '500'): MY 2016 Sportage Terms Reserve 1/ $ % 0.9% 0.9% 1.9% N/A -or- $ $ % 0.9% 0.9% 1.9% N/A -or- $ $ % 1.9% 1.9% 3.9% N/A -or- $ $ % 2.9% 2.9% 5.0% N/A -or- $ $ % 3.9% 3.9% 6.25% N/A -or- $ $ % 5.9% 5.9% 8.25% N/A -or- $ $ % 9.9% 9.9% 9.9% N/A -or- $100 KMF Dealer Choice -- (Select code '506 ): MY 2016 Sportage Terms Reserve 1/ $1, % 2.9% 2.9% 3.9% 1% -or- STD $1, % 2.9% 2.9% 4.9% 1% -or- STD $1, % 3.9% 3.9% 5.9% 1% -or- STD $1, % 4.9% 4.9% 7.0% 1% -or- STD $1, % 5.9% 5.9% 8.25% 1% -or- STD $1, % 7.9% 7.9% 10.25% 1% -or- STD $1, % 11.9% 11.9% 11.9% 1% -or- STD

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