BMW Financial Services

BMW FINANCIAL SERVICES.

THE ULTIMATEPEACE OF MIND.

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, no early termination fees and 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.

Alternatively, visit bmw.com.au or ideserveanewbmw.bmw.com.au

CONTENTS.

Consumer Loan 5

Full Circle 6

Chattel Mortgage 9

Prestige Lease 10

Additional Services

ePortal 12

Finance Website 12

My BMW Account 12

Insurance and Warranties

Prestige Motor Vehicle Insurance 14

New and Used Vehicle Extended Warranty Insurance 14

Tyre and Rim Insurance 15

Motor Equity Insurance 16

Purchase Price Insurance 16

Lease Protect Insurance 18

Loan Protection Insurance 18

WHAT SERVICE IS BEST FOR YOU?

Personal

Full Circle

Full Circle

Consumer Loan

Prestige Lease

Chattel Mortgage

Business

BMW Insurance

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 Consumer

BMW Full Circle Yes

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 Yes

BMW Prestige Motor Vehicle Insurance Yes

BMW Motor Equity Insurance / PPI Yes

BMW Extended Warranty Insurance Yes

BMW Loan Protection Insurance Yes

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*Provided your vehicle meets fair wear and tear conditions and has not exceeded the contracted kilometre allowance.

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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 and Commercial

Vehicle New / Demo

Terms 24 to 60 Months

Interest Rate Fixed

Payment Frequency Monthly

Payment Method Direct Debit / BPAY®

Balloon / Final Lump Sum Payment Guaranteed Future Value

Early Termination Fee No

Monthly Account Keeping Fee No

24/7 Online Access Yes

BMW Prestige Motor Vehicle Insurance Yes

BMW Motor Equity Insurance / PPI Yes

BMW Extended Warranty Insurance Yes

BMW Loan Protection Insurance Yes

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 Commercial

BMW Full Circle Yes

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 Yes

BMW Prestige Motor Vehicle Insurance Yes

BMW Motor Equity Insurance / PPI Yes

BMW Extended Warranty Insurance Yes

BMW Tyre and Rim Insurance Yes

BMW Loan Protection Insurance Yes*We recommend that you seek independent financial advice for your specific circumstances and consult your accountant regarding eligibility criteria. 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 Commercial

BMW Full Circle Option Yes

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 Fee No

Monthly Account Keeping Fee No

24/7 Online Access Yes

BMW Prestige Motor Vehicle Insurance Yes

BMW Motor Equity Insurance / PPI Yes

BMW Extended Warranty Insurance Yes

BMW Tyre and Rim Insurance Yes

BMW Lease Protection Insurance Yes

*We recommend that you seek independent financial advice for your specific circumstances and consult your accountant regarding eligibility criteria. ^Subject to minimum ATO guidelines.

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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.

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PROTECTING YOUR CONNECTION TO THE ROAD. BMW Tyre and Rim Insurance is a practical insurance solution designed to provide peace of mind by covering you if your motor vehicle tyres are:• Punctured • Suffer a blow out• Damaged by potholes, kerbs and various road hazards.

BMW Tyre and Rim Insurance includes cover for any damage to the wheel rim if it is:• Cracked• Warped• Misshapen by various road hazards

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 protects you against expensive repairs, ensuring that every journey can be one of genuine joy.

BMW Extended Warranty includes BMW Roadside Assistance and has a maximum claim limit up to the purchase price of the vehicle, every time you make a claim.

With your choice of term both products are transferable upon sale to a new owner, when sold privately: • Includes BMW Roadside Assistance • Maximum claim limit up to the purchase price of the vehicle

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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

*Please read the PDS for full terms and conditions.

TOTAL COVERAGE FOR TOTAL CONFIDENCE. BMW Motor Equity Insurance provides additional cover in the event of your vehicle being declared a total loss – covering your shortfall. This means you are paid out the difference between your insurance payout and what remains on your finance contact.

By making a one-off premium payment when your finance agreement commences, BMW Motor Equity Insurance can cover you up to the limit chosen for the financial shortfall that may occur if the comprehensive insurance payout does not cover the loan balance still owing on your vehicle.

BMW Purchase Price Insurance provides additional cover. If your vehicle is declared a total loss and the comprehensive motor vehicle insurance payout is less than the purchase price of the vehicle potentially saving you thousands of dollars.*

Prestige Motor Vehicle, Tyre and Rim, Motor Equity 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.

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 the PDS or the policy document 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 services.

*Limits apply and depend on the level of cover selected. Please read the PDS for full terms and conditions.

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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 Lease Protect Insurance is a cost-effective policy designed to secure your vehicle lease payments in the event that you are unable to meet your financial commitment.

BMW Lease Protect 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.

Lease Protection 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 provided 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 from Allianz. Ask us for more information before we provide you with our service.

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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. BMW Business Loan Protection Insurance can be taken if at least 50% of the loan will be applied towards business or investment purposes.

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 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.

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 provided 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.

BMW Financial Services

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. 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. Please consider the Product Disclosure Statements before making your decision. BMW Insurance products are underwritten by Allianz Australia Insurance Limited AFSL 234708, 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.