YOUR MINI, YOUR WAY. MINI FINANCIAL SERVICES.

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1 YOUR MINI, YOUR WAY. MINI FINANCIAL SERVICES.

2 PUT YOURSELF IN THE DRIVER S SEAT. MINI Financial Services offers packages that are designed to help you get your hands on the MINI of your choice. Be it long term or short term you ll discover a vast variety of solutions, payment options and fixed interest rates. In this brochure you will find an overview of the options offered by MINI Financial Services and learn how we can tailor your finance contract to suit your lifestyle. Once you have chosen your fabulous new MINI (the hard part), the Business Manager at your MINI Garage will work with you to find a solution that suits your needs, so all you have to worry about is picking the colour of your MINI. Alternatively, visit MINI.com.au WHAT SERVICE IS BEST FOR YOU? MINI Flex Personal Consumer Loan MINI Flex MINI Insurance Business Prestige Lease Chattel Mortgage CONTENTS. Consumer Loan 5 MINI Flex 6 Chattel Mortgage 9 Prestige Lease 10 Additional Services eportal 12 Finance Website 12 My MINI Account 12 Insurance and Warranties Prestige Motor Vehicle Insurance 14 New and Used Vehicle Extended Warranty Insurance 14 Value Protect Insurance 16 LeaseProtect Insurance 18 Loan Protection Insurance 18

3 FUN, FREEDOM, FLEXIBILITY. Customer Type Consumer A MINI Consumer Loan is ideal if you use your vehicle wholly or predominantly for private purposes (this means that the vehicle is used privately for more than 50% of the time). You can tailor your monthly repayments by selecting a contract term from months. To make your budgeting easier, payments are fixed during the period of the contract and can be direct debited from your nominated account. You can elect to have a final lump sum payment (residual) on the contract or you can choose a contract without a final lump sum payment and enjoy owning your MINI outright at the end of your contract. MINI Flex Vehicle New / Demo / Used Terms 24 to 60 Months Interest Rate Fixed Payment Frequency Monthly Payment Method Direct Debit / BPAY Balloon / Final Lump Sum Payment Optional Early Termination Fee No Monthly Account Keeping Fee No 24/7 Online Access MINI Prestige Motor Vehicle Insurance MINI Value Protect Insurance MINI Extended Warranty Insurance MINI Loan Protection Insurance 5

4 GET A CLEAR PICTURE OF THE FUTURE. MINI Flex is designed to help you enjoy the future with the security of knowing exactly how much your MINI will be worth at the end of your contract with a Guaranteed Future Value. It s perfect for both commercial and consumer customers. Simply select the contract term that best suits your needs 24, 36, 48 or 60 months with the option of a 15,000, 20,000 or 25,000 annual kilometre allowance. And at the end of your contract you can: Trade-in Refinance Payout Hand back the keys with no further obligation. * Customer Type Consumer Commercial Vehicle New/Demo New/Demo Terms 24 to 60 Months 24 to 60 Months Interest Rate Fixed Fixed Payment Frequency Monthly Monthly Payment Method Direct Debit / BPAY Direct Debit / BPAY Balloon / Final Lump Sum Payment Guaranteed Future Value Guaranteed Future Value Early termination fees No Monthly Account Keeping Fee No No 24/7 Online Access MINI Prestige Motor Vehicle Insurance MINI Value Protect Insurance MINI Extended Warranty Insurance MINI Loan Protection Insurance 6 *Provided your vehicle meets fair wear and tear conditions and has not exceeded the contracted kilometre allowance. Please note that under a Commercial Loan, your loan is not regulated under the National Consumer Credit Protection (NCCP) Act. MINI FLEX. FUTURE-PROOFED FINANCE.

5 CRAFTED FOR YOUR COMPANY. Customer Type Commercial A MINI Chattel Mortgage is ideal for sole traders, companies and partnerships that are eligible to claim their vehicle is being utilised predominantly for business purposes. * A MINI Chattel Mortgage allows you to tailor your finance contract to best suit your needs with flexible contract terms (24 to 60 months), the deposit amount and the option of a final lump sum payment. MINI Flex Vehicle New / Demo / Used Terms 24 to 60 Months Interest Rate Fixed Payment Frequency Monthly Payment Method Direct Debit / BPAY Balloon / Final Lump Sum Payment Early termination fees Monthly Account Keeping Fee Optional No 24/7 Online Access MINI Prestige Motor Vehicle Insurance MINI Value Protect Insurance MINI Extended Warranty Insurance MINI Loan Protection Insurance *We recommend that you seek independent financial advice for your specific circumstances and consult your accountant regarding eligibility criteria. Please note that under a Commercial Loan, your loan is not regulated under the National Consumer Credit Protection (NCCP) Act. 9

6 CLEVER BUSINESS, HOLD THE CAPITAL. Customer Type MINI Flex Commercial A MINI Prestige Lease is a great way for a business customer to purchase a vehicle without tying up capital, allowing those funds to be used elsewhere in the business. * Flexible contract terms (24 to 60 months) are available and, as the residual value can be varied according to the contract term,^ repayments can be tailored to suit your business and your budget. MINI Financial Services also allows customers to novate their leases which is an ideal way to salary package a vehicle.^ Vehicle New / Demo / Used Terms 24 to 60 Months Interest Rate Fixed Payment Frequency Monthly Payment Method Direct Debit / BPAY Balloon / Final Lump Sum Payment Required Early termination fees Monthly Account Keeping Fee No 24/7 Online Access MINI Prestige Motor Vehicle Insurance MINI Value Protect Insurance MINI Extended Warranty Insurance MINI LeaseProtect Insurance 10 *We recommend that you seek independent financial advice for your specific circumstances and consult your accountant regarding eligibility criteria. ^Subject to minimum ATO guidelines. Please note that under a Commercial Loan, your loan is not regulated under the National Consumer Credit Protection (NCCP) Act.

7 CONVENIENCE IS IN THE DETAILS. Visit the MINI Financial Services website, where you can view the range of MINIs available to you, based on a weekly repayment that suits your lifestyle. You may discover that the one you ve always dreamed of owning is more affordable than you thought. Once you have chosen your MINI you can make an enquiry or book a test drive with your preferred MINI dealership. MINI eportal is a simple and secure way to sign, upload and download finance agreement documents in an online environment. Employing market leading technology, MINI eportal does away with the need for pen and paper, allowing you to digitally sign and manage the documents required for financing your new MINI purchase quickly and efficiently. You can do so where and when it suits you across a variety of devices, 24/7. My MINI Account provides you with secure online access to your MINI Financial Services account details 24/7 so you can view transactions when you want to. My MINI Account gives you access to your account statements, allows you to update your personal details, set up SMS payment reminders, get interest payment details and much more. 12

8 PROTECT YOUR LOVED ONE. MINI Prestige Motor Vehicle Insurance * ensures your MINI remains a MINI by guaranteeing it will be repaired with genuine MINI parts and by an Accredited MINI Body shop. That means it will always meets the highest standards that MINI is known for. You will also receive: New for Old replacement of a vehicle up to 3 years * Choice of Accredited MINI repairer Repaired with MINI specialised equipment MINI trained technicians Flexible payment options. THE CONFIDENCE TO CONTINUE. MINI New Vehicle Extended Warranty Insurance * offers as an extension of your original new vehicle warranty and can be purchased right up until the very last day of your new car factory warranty. MINI Used Vehicle Warranty Insurance * protects you against expensive mechanical repairs, ensuring that every drive can be one of pure joy. You will also receive: MINI Roadside Assistance and Accident Management No excess payable Pay by the month option available Australia wide coverage. *Please read the PDS for full terms and conditions

9 PROTECT YOUR VEHICLE AND YOUR INVESTMENT. MINI Value Protect Insurance * is designed to provide you with protection in the event that your vehicle is deemed a total loss by your comprehensive motor vehicle insurer. Whether you pay cash or finance for your vehicle, you receive the greater of the following: (1) The difference between the loan settlement amount and the total loss payment; or (2) The difference between the replacement vehicle value (which includes on road costs) and the total loss payment up to the maximum sum insured under the cover option you select. Other benefits include: Cover for out-of-pocket expenses incurred when replacing your vehicle You can claim extra cover even when the total loss payment is equal to or higher than the loan settlement amount or replacement vehicle value To find out more, contact a Business Manager at your MINI Garage. 16 *Cover subject to policy terms, conditions, limits and exclusions. Please consider the Product Disclosure Statement before making a decision.

10 ALWAYS LOOKING OUT FOR YOU. MINI Loan Protection Insurance * is a consumer credit insurance that provides cover for your obligations under a loan agreement. A loan agreement commits you to specific repayment obligations, and if you were unable to meet those obligations, you would still be liable to fulfil the repayment terms of the contract. MINI Loan Protection Insurance helps you secure those commitments, protecting you and your family from the financial consequences of the unexpected by offering a range of options that can include cover for disability, trauma and death, and involuntary unemployment. LOW RISK, HIGH PRIORITY. MINI LeaseProtect Insurance * is designed to secure your vehicle lease payments in the event that you are unable to meet your financial commitment. MINI LeaseProtect helps protect you from the financial exposure on your lease that could occur through unexpected circumstances. This insurance offers convenience and flexibility with three cover options to choose from. That means you re covered for death, involuntary unemployment and shortfall on your finance contract if your vehicle is declared a total loss and the comprehensive insurance payout is less than the balance of the finance still owing. ARE YOU READY TO MEET YOUR MINI? You are one step closer to meeting your very own MINI. Once you choose the one that s perfect for you, the next step is to speak with the Business Manager at your local MINI Garage about our range of finance and insurance products that will help you own your MINI, your way. *Cover subject to policy terms, conditions, limits and exclusions. Please consider the Product Disclosure Statement before making a decision. Prestige Motor Vehicle, Value Protect Insurance and Warranty insurances under the MINI brand are issued by Allianz Australia Insurance Limited, AFS Licence No ABN (Allianz). In arranging this insurance MINI Australia Finance Limited ABN and authorised dealers act as agents of Allianz and not as your agent. Loan Protection Policy is issued by the following insurers for the covers indicated: Part 2 - Disability cover and Part 3 - Involuntary Unemployment cover are issued by Allianz Australia Insurance Limited AFS Licence No ABN (Allianz). Part 1 - Trauma and Death Cover is provided by Allianz Australia Life Insurance Limited AFS Licence No ABN (Allianz Life). Allianz acts as Allianz Life s agent in offering and administering the Part 1 - Trauma and Death cover. LeaseProtect Policy is issued by the following insurers for the covers indicated: Part 2 - Involuntary Unemployment cover and Part 3 - Motor Equity cover are issued by Allianz Australia Insurance Limited AFS Licence No ABN (Allianz). Part 1 - Death Cover is provided by Allianz Australia Life Insurance Limited AFS Licence No ABN (Allianz Life). Allianz acts as Allianz Life s agent in offering and administering the Part 1 - Death cover. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision about this insurance please consider the PDS available from this website. If you purchase this insurance we receive a commission from Allianz. Ask us for more information before we provide you with our service

11 MINI FINANCIAL SERVICES. This brochure is not a contract and does not constitute a quote or offer of finance from MINI Financial Services (a division of BMW Australia Finance Ltd) Australian credit licence , ABN Fees, charges, terms, conditions and approval criteria apply. Any information provided to you in this brochure is general in nature and does not represent legal or financial advice. You should obtain independent financial and legal advice relevant to your specific circumstances before making any decision in relation to finance and insurance. Please consider the Product Disclosure Statements before making your decision. MINI Insurance products are underwritten by Allianz Australia Insurance Limited AFSL and Allianz Australia Life Insurance Limited AFS licence No ABN , ABN (Allianz). In arranging this insurance MINI Financial Services acts as an agent of Allianz and not as your agent.