DYNAMIC FINANCE. TAILORED SOLUTIONS FROM BMW FINANCIAL SERVICES.

DYNAMIC FINANCE. TAILORED SOLUTIONS FROM BMW FINANCIAL SERVICES.

IT S TIME TO TAKE CONTROL. BMW Financial Services offers a dynamic approach to finance and insurance products. We develop innovative, competitive finance with finance terms between 24 to 60 months that have no monthly account keeping fees. In this brochure you will find an overview of the options offered by BMW Financial Services and how we can tailor your finance contract to suit your lifestyle. The Business Manager at your preferred BMW dealership can advise you further on any products and services contained in this brochure. Full Circle WHAT SERVICE IS BEST FOR YOU? Personal Consumer Loan Full Circle Business Prestige Lease Chattel Mortgage CONTENTS. Consumer Loan 5 Full Circle 6 Chattel Mortgage 9 Prestige Lease 10 Additional Services Finance Website 12 Alternatively, visit bmw.com.au or ideserveanewbmw.bmw.com.au BMW Insurance eportal 12 My BMW Account 12 Insurance and Warranties Prestige Motor Vehicle Insurance 14 New and Used Vehicle Extended Warranty Insurance 14 Value Protect Insurance 16 Loan Protection Insurance 18 LeaseProtect Insurance 18

THE FEELING OF FREEDOM. A BMW Consumer Loan is suitable when 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. Tailor your monthly repayments by selecting a contract term from 24-60 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 full ownership of your vehicle at the end of your contract. Customer Type BMW Full Circle Vehicle Terms Interest Rate Payment Frequency Consumer New / Demo / Used 24 to 60 Months Fixed Monthly Payment Method Direct Debit / BPAY Balloon / Final Lump Sum Payment Early Termination Fee Monthly Account Keeping Fee Optional No No 24/7 Online Access BMW Prestige Motor Vehicle Insurance BMW Value Protect Insurance BMW Warranty Insurance BMW Loan Protection Insurance 5

FLEXIBILITY FROM BEGINNING TO END. BMW Full Circle offers unprecedented choice and security for commercial and consumer customers. BMW Full Circle is designed to ensure you enjoy the future with the security of knowing exactly how much your BMW will be worth at the end of your contract with a Guaranteed Future Value. 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 BMW Prestige Motor Vehicle Insurance BMW Value Protect Insurance BMW Warranty Insurance BMW Loan Protection Insurance * 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. 6

YOUR BUSINESS IS IN GOOD COMPANY. A BMW 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 BMW Chattel Mortgage gives you the ability 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. Customer Type BMW Full Circle Vehicle Terms Interest Rate Payment Frequency Commercial New / Demo / Used 24 to 60 Months Fixed Monthly Payment Method Direct Debit / BPAY Balloon / Final Lump Sum Payment Early Termination Fees Monthly Account Keeping Fee Optional No 24/7 Online Access BMW Prestige Motor Vehicle Insurance BMW Value Protect Insurance BMW Warranty Insurance BMW 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

KEEP YOUR BUSINESS MOVING. A BMW 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. BMW Financial Services also offers the ability for customers to novate their leases which is an ideal way to salary package a vehicle.^ Customer Type BMW Full Circle Vehicle Terms Interest Rate Payment Frequency Commercial New / Demo / Used 24 to 60 Months Fixed Monthly Payment Method Direct Debit / BPAY Balloon / Final Lump Sum Payment Early Termination Fees Monthly Account Keeping Fee Required No 24/7 Online Access BMW Prestige Motor Vehicle Insurance BMW Value Protect Insurance BMW Warranty Insurance BMW LeaseProtect Insurance * 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. 10

CONVENIENCE IS IN THE DETAILS. Visit the BMW Financial Services website, where you can view the range of Ultimate Driving Machines available to you, based on a weekly repayment that suits your lifestyle. You may discover that the BMW you have always dreamed of owning is more affordable than you thought. Once you have selected your BMW you can make an enquiry or book a test drive with your preferred BMW dealership. www.ideserveanewbmw.bmw.com.au BMW eportal is a simple and secure way to sign, upload and download finance agreement documents in an online environment. Employing market leading technology, BMW eportal does away with the need for pen and paper, allowing you to digitally sign and manage the documents required for financing your new BMW purchase quickly and efficiently. You can do so where and when it suits you across a variety of devices, 24/7. My BMW Account provides you with secure online access to your BMW Financial Services account details 24/7 so you can view transactions when you want to. My BMW 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

NEVER COMPROMISE ON THE EXHILARATION OF THE DRIVE. BMW Prestige Motor Vehicle Insurance * can guarantee that your BMW will be repaired with genuine BMW parts and by an Accredited BMW Body shop. That means your Ultimate Driving Machine always meets the highest standards that BMW is known for. You will also receive: New for Old replacement of a vehicle up to 3 years * Choice of Accredited BMW repairer Repaired with BMW specialised equipment BMW Trained technicians Flexible payment options THE CONFIDENCE TO CONTINUE. BMW 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. BMW Used Vehicle Warranty Insurance * can protect you against expensive mechanical repairs, ensuring that every journey can be one of genuine joy. You will also receive: BMW 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. 14 15

PROTECT YOUR VEHICLE AND YOUR INVESTMENT. BMW 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 BMW Dealership. * Please read the PDS for terms and conditions. 16

LOOKING AFTER MORE THAN JUST YOUR VEHICLE. BMW 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. BMW Loan Protection Insurance can help 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. THE ULTIMATE CHOICE. You are one step closer to experiencing the Ultimate Driving Machine. Once you choose the BMW that s perfect for you, the next step is to speak with the Business Manager at your preferred BMW dealership about our range of finance and insurance products giving you the peace of mind to drive with complete confidence. THE FUTURE IS SECURE. BMW LeaseProtect Insurance * is designed to secure your vehicle lease payments in the event that you are unable to meet your financial commitment. BMW 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. It provides cover for death, involuntary unemployment and pays up to 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. Prestige Motor Vehicle, Value Protect Insurance and Warranty insurances under the BMW brand are issued by Allianz Australia Insurance Limited, AFS Licence No. 234708 ABN 15 000 122 850 (Allianz). In arranging this insurance BMW Australia Finance Limited ABN 78 007 101 715 and authorised dealers act as agents of Allianz and not as your agent. *Cover subject to policy terms, conditions, limits and exclusions. Please consider the Product Disclosure Statement before making a decision. 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. 234708 ABN 15 000 122 850 (Allianz). Part 1 - Trauma and Death Cover is issued by Allianz Australia Life Insurance Limited AFS Licence No. 296559 ABN 27 076 033 782 (Allianz Life). Allianz acts as Allianz Life s agent in offering and administering the Part 1 - Trauma and Death cover. LeaseProtection 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. 234708 ABN 15 000 122 850 (Allianz). Part 1 - Death Cover is issued by Allianz Australia Life Insurance Limited AFS Licence No. 296559 ABN 27 076 033 782 (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. Ask us for more information before we provide you with our service. 18

This brochure is not a contract and does not constitute a quote or offer of finance from BMW Australia Finance Limited ABN 78 007 101 715, Australian credit licence 392387. Fees, charges, terms, conditions and approval criteria apply. We do not provide advice on insurance based on any consideration of your objectives, financial situation or needs. You should obtain independent financial and legal advice relevant to your specific circumstances before making any decision in relation to finance. Please consider the Product Disclosure Statements before making your decision. BMW Insurance products are underwritten by Allianz Australia Insurance Limited AFSL 234708 and Allianz Australia Life Insurance Limited AFS Licence No. 296559 ABN 27 076 033 782, ABN 15 000 122 850 (Allianz). In arranging this insurance BMW Australia Finance Limited acts as an agent of Allianz and not as your agent.