IT S GO TIME. WELCOME TO BMW FINANCIAL SERVICES. CONTENTS

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1 IT S GO TIME. WELCOME TO BMW FINANCIAL SERVICES. 1

2 Paying for Your BMW Motorcycle 3-4 UltimatePay, EasyPay 4 Phone and Mail Payments 4 Managing Your Account 5-6 BMW FS Central 6 Paperless Invoicing 6 Insuring Your BMW Motorcycle 7-8 Coverage Requirements 7-8 BMW Performance Insurance 8 The BMW Family of Cards 9-10 Contact Us

3 PAYING FOR YOUR BMW MOTORCYCLE. More ways to make your monthly payment means one less thing to worry about. 3

4 PAY ELECTRONICALLY EasyPay Automatic monthly payments Avoid paperwork and possible late charges by enrolling in EasyPay. Each month on your due date, your payment will be electronically transferred from the bank account of your choice and you will receive confirmation by . To sign up for EasyPay, log in to BMW FS Central at bmwgroupfs.com, call , or see the instructions on the back of your billing statement. UltimatePay Instant, one-time payments Save time by making a single payment online. No checks to write. No postage to buy. And your payment will be reflected on your account within one hour. To use UltimatePay, log in to BMW FS Central at bmwgroupfs.com. PAY BY PHONE To use UltimatePay by phone free of charge, call our automated telephone service at , and, after authenticating, say Make a Payment and follow the prompts. If you prefer to make a payment via a representative, you may be charged a minimal fee. PAY BY MAIL Each month, you ll receive an Account Statement approximately 10 days before the scheduled payment due date, listing all of your account activity for the billing cycle. Simply tear off the perforated bottom portion and send it with your payment, keeping the top portion for your records. In the unlikely event that you do not receive your Account Statement on time, you should still send in your payment by the regularly scheduled due date to avoid any late charges. If you live in one of the states listed below, please mail your payments to: BMW Bank of North America PO Box Phoenix, AZ Alaska, Arizona, California, Colorado, Hawaii, Idaho, Kansas, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wyoming Residents of other states should send their payments to: BMW Financial Services PO Box Louisville, KY Late charges and returned checks: You may incur a late charge for payments received after the due date. If your check is returned for any reason, you may incur a charge. When you make a payment, please remember to write your 10-digit BMW account number on your check or money order. To pay online, visit BMW FS Central at 4

5 MANAGING YOUR ACCOUNT. BMW Financial Services makes it easy to manage your account. So you can spend more time on the open road. 5

6 BMW FS Central Online Account Management The easy, secure way to manage your BMW Financial Services account online 24/7. Make online payments. Review your statements. Sign-up for EasyPay or paperless invoicing. And more. To sign up for BMW FS Central, visit bmwgroupfs.com. Please be sure to have your Vehicle Identification Number (VIN), your Social Security number, and your BMW Financial Services account number handy. This will help ensure the privacy and security of your account information. Paperless Invoicing Looking for the eco-friendly way to manage your BMW Financial Services account? Sign up for paperless invoicing today by logging in to BMW FS Central at bmwgroupfs.com. Customer Service Center If you have questions about your account, we re here to help. By Phone: Monday to Friday 9 a.m. 9 p.m. Eastern Time By Mail: BMW Financial Services Customer Service Center PO Box 3608 Dublin, OH BMWmotorcycles.com BMW Financial Services Page Learn more about everything BMW Financial Services offers to take you Beyond the Ride by visiting bmwmotorcycles.com and clicking on the Financial Services tab. There you can get additional information about our financing programs, find FAQs, apply for credit for your next motorcycle, and more. 6

7 INSURING YOUR BMW MOTORCYCLE HERE S HOW TO PROTECT YOUR BIKE FOR THE ROAD AHEAD. 1 Required Insurance Coverage You are required to have comprehensive and collision coverage for the actual value of your BMW motorcycle. The maximum deductible allowed is $1,000 for BMW motorcycles. BMW Financial Services must be listed as loss payee using the information below: 2 BMW Financial Services Insurance Department BMW Monday through Friday 9:00 AM to 6:00 PM ET Accident and Theft Information As soon as possible after an accident or theft, call BMW to report it. Of course, you must also promptly report the incident to your insurance company and to the local police. When it comes to repairs, we strongly recommend that you use an authorized BMW service facility, such as your local BMW Motorrad dealer. 7

8 3 How to Handle Insurance Repair Checks If you receive an insurance company s check to cover a repair bill, it will be payable both to you and to us. Do not endorse it. Please send this joint-payee check to BMW Financial Services promptly, along with a copy of the repair order and the garage s address, or a copy of your paid receipt. Please include the VIN or account number. Send all joint-payee checks to: BMW Financial Services Insurance Repair 5550 Britton Parkway Hilliard, OH If your BMW motorcycle is declared a total loss and you receive a total loss joint-payee check, please endorse the check and send it to the address shown above. BMW Performance Insurance from Liberty Mutual BMW Performance Insurance from Liberty Mutual gives you access to exceptional benefits because you own an exceptional motorcycle. Available only to BMW motorcycle riders, this quality coverage features savings and benefits such as: Exclusive savings of up to 10%. 1 Genuine BMW Replacement Parts. 2 Towing to your nearest BMW Motorrad dealer. 3 Better Bike Replacement. 4 Call for a free quote today. 1. Discounts and savings are available where state laws and regulations allow, and may vary by state. Exclusive savings not available to Massachusetts residents. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. 2. Genuine BMW Replacement Parts available except where prohibited by state law. 3. With the purchase of optional Towing & Labor coverage. Applies to mechanical breakdowns and disablements only. Towing related to accidents would be covered under your Collision or Comprehensive coverage. 4. Optional coverage. Deductible applies. A consumer report from a consumer reporting agency and/or a motor vehicle report, on all drivers listed on your policy, may be obtained where state laws and regulations allow. Products are offered through BMW Insurance Agency, 300 Chestnut Ridge Road, Woodcliff Lake, NJ , which is not affiliated with Liberty Mutual Insurance Company and its affiliates. BMW Insurance Agency may be compensated for services provided in connection with your policy BMW of North America, LLC. Policies are underwritten and provided by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA Liberty Mutual Insurance. 8

9 THE BMW FAMILY OF CARDS Fuel your passion for the Ultimate Riding Machine with the only cards that offer BMW Reward Points that can be redeemed for exclusive BMW Rewards. BMW CARD BMW SIGNATURE CARD BMW ULTIMATE CARD BMW Rewards you won t find anywhere else, with no annual fee. 1 point per $1 spent on purchases. 1 point per $1 spent on gas. 3 points per $1 spent at BMW Centers. 1 Earn more BMW Reward Points and redeem for travel rewards all for an annual fee of $75. 1 point per $1 spent on purchases. 2 points per $1 spent on gas. 4 points per $1 spent at BMW Centers. 1 Get Away Rewards for airline tickets, hotel stays and spa certificates. $500 Loyalty Credit. 2 Automatic upgrade for BMW Signature Cardholders who spend $50,000 or more per year. $75 annual fee. 1 point per $1 spent on purchases. 3 points per $1 spent on gas. 5 points per $1 spent at BMW Centers. 1 Enhanced Get Away Rewards for air travel. $500 Loyalty Credit. 2 Subject to credit review and approval. 1. Customers will earn Points for Net Purchases charged to their Account during each billing cycle at BMW Centers and other automotive businesses, based on the following retail merchant categories, as defined by VISA USA: Automotive and Truck dealers (New and Used) Sales, Service, Repairs, Parts and Leasing; Automobile and Truck Dealers (Used Only); Automotive Tire Stores; Automotive Parts and Accessories Stores. 2. Terms and conditions apply. To be eligible for the offer, you must satisfy all requirements. Must meet yearly spend requirement of at least $10,000 in net purchases between January and December billing cycles. When the minimum yearly net purchase spend has been achieved, you will be notified by written communication with detailed acceptance instructions. You must lease or finance a New or Certified Pre-Owned BMW with BMW Financial Services. Proof of vehicle purchase or lease required. BMW Signature Card account must be in good standing at time of acceptance of $500 credit. This $500 credit does not replace monthly payment on the cardholder account and/or BMW Financial Services account. This transaction will post as a credit on your BMW Signature Card statement. Cardholder is eligible for one statement credit per BMW Financial Services finance or lease contract. 9

10 REDEEM YOUR BMW REWARD POINTS FOR THESE EXCLUSIVE BMW REWARDS. BMW Financial Services Rewards Use points for a Lease or Finance Payment Credit, Excess Wear and Use Credit, BMW Protection Products Credit, or to purchase Additional Lease Miles. Vehicle Rewards Redeem for a credit of up to $10,000 when you lease or finance your next BMW motorcycle through BMW Financial Services. BMW Motorrad Dealer Rewards Redeem points to pay for service, repairs, and parts or redeem for BMW Lifestyle Accessories. Gift Card BMW Visa Prepaid Card you can use anywhere Visa is accepted, including at your local BMW Motorrad Dealer. 20% off BMW Performance Riding School when you use your BMW Card, BMW Signature Card or BMW Ultimate Card. For full rewards information, visit mybmwcard.com. APPLY FOR THE BMW CARD TODAY. CALL 888-BMW-CARD BMW Financial Services NA, LLC. The BMW word mark and BMW logo are registered trademarks of BMW AG. BMW credit cards are issued by BMW Bank of North America, a wholly-owned subsidiary of BMW Financial Services NA, LLC. Visa is a registered trademark of Visa International Service Association, and is used by BMW Bank of North America pursuant to license from Visa U.S.A. Inc. 10

11 CONTACT US Whatever your need, we re here to help. 11

12 Customer Service Center If you have questions about your account, need to notify us about a change in your address, or want a payoff quote, it s easy to get the answers you need: Insurance Department To report the total loss or theft of your BMW motorcycle, or to receive information on your insurance claims, please call: BMW Monday to Friday, 9 a.m. 6 p.m. Eastern Time. By Phone: Monday to Friday 9 a.m. 9 p.m. Eastern Time Or write to: BMW Financial Services Insurance Department PO Box 8002 Hilliard, OH By Mail: BMW Financial Services Customer Service Center PO Box 3608 Dublin, OH Please send copies of policies, renewals, or carrier changes to: Lease Customers: BMW Insurance Services PO Box Hunt Valley, MD Retail Customers: BMW Insurance Services PO Box Hunt Valley, MD BEYOND THE RIDE 2015 BMW Financial Services NA, LLC. The BMW wordmark, BMW logo and Beyond the Ride are trademarks of BMW AG. 12

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