Solutions as individual BMW Financial Services as you are. Finance Lease Insurance The Ultimate Driving Machine BMW applies the same disciplined, yet creative and dynamic approach to finance, lease, and insurance services, as it does to its cars, developing innovative, flexible and extremely competitive solutions tailored to individual needs and backed with individual service. This brochure provides an outline of the options offered by BMW Financial Services and an indication of the way they can be tailored to meet your needs and to help you make informed, cost-effective decisions. The Business Manager at your BMW Dealer can advise you on the ideal package to meet your objectives. Visit our website at www.bmwfinance.com.au where you will find comprehensive information about our products and services. BMW Full Circle is an innovative finance programme that allows you to enjoy the present, secure in the knowledge that the future is taken care of. As an approved commercial customer, you can select the contract term that suits your needs – 24, 36 or 48 months – and ensure that you only pay for what you need by choosing either a 15,000 or 20,000 kilometres annual allowance. And by placing equity into your finance contract as either a cash deposit or using the residual value of your BMW, you have the flexibility of setting repayments to suit your budget. Most importantly, BMW Full Circle provides peace of mind with Guaranteed Future Value: at the end of your contract you can choose to trade-in, buy out, refinance or simply hand the keys back.* *BMW Full Circle is only available to approved commercial customers for business purposes. BMW Full Circle options are subject to wear and tear and kilometre conditions. BMW Prestige Purchase offers flexibility as it enables business customers to select the contract term, place a deposit into the contract, and nominate the balloon (final instalment), therefore tailoring the repayment to suit your budget. Repayments are fixed for the term of the contract, and where the vehicle is used for income-producing purposes, interest charges and depreciation on the vehicle may be tax deductible. BMW Prestige Lease is a tax-effective product that enables business customers to acquire a new vehicle without tying up valuable capital. Flexible lease terms and residuals, along with fixed repayments, enable a business to tailor repayments to suit their needs, and preserve cash-flow which can then be utilised elsewhere in the business. Where the vehicle is used for income producing purposes, a tax deduction may be available. BMW Novated Lease enables both employees and employers to gain benefits from salary-packaging a vehicle. Employees benefit as they require a smaller portion of their income to run the vehicle, and can enjoy a lower rate of tax on the benefit, than if they were to pay for the vehicle running costs with after-tax income. Employers benefit as a BMW Novated Lease removes many of problems associated with traditional methods of providing company vehicles to employees. BMW Auto Plan/Auto Plan Plus is ideal for busy people who like the idea of prestige motoring without the day-to-day hassles of actual ownership. Auto Plan Plus offers one monthly repayment that includes the finance repayment, all scheduled service and maintenance, tyres, registration, and roadside assistance, for the term of the contract. Auto Plan is suitable for those drivers who prefer to pay for any service and maintenance costs as and when they occur, and with either lease you have no concerns about resale value or vehicle disposal because, at the end of the contract, you simply return your vehicle to your BMW Dealer, who will then arrange a new BMW for you. BMW Chattel Mortgage offers business customers many advantages and is particularly suitable for those customers who account for their business operations on a cash basis. A Chattel Mortgage Agreement is tax-effective and assists to enhance cash-flow, as a customer can claim back some or all of the GST contained in the vehicle purchase. BMW Personal Loan is an ideal way for private customers to enjoy prestige motoring. It can be used to fund any new or used BMW that will be used mainly for personal use. Where you can demonstrate some business use, you may be able to claim a tax deduction for that portion. BMW Motorcycle Personal Loan can be used to fund any new or used BMW motorcycle. Choose the term of your loan, and tailor the repayments to suit your budget. Repayments are fixed for the period of the loan, and you can elect to have a balloon (final instalment) on your contract, therefore making the repayments more affordable, or choose not to have a balloon and enjoy full ownership at the end of the contract. BMW Personal Lease opens the advantages of leasing to private customers, and is suitable when you use your vehicle predominantly for personal purposes. By selecting the term and residual value, you can tailor your monthly repayment, and because repayments are fixed, and known in advance, you have control of your budget. Again, where you can demonstrate some business use, a tax deduction may be available. BMW Motor Vehicle Insurance 2 is designed expressly for BMW owners and is available only through BMW Dealers. It offers a number of special policy features in keeping with the BMW marque, and only authorised BMW repairers using genuine BMW parts can repair your vehicle, ensuring that your BMW remains a BMW. Protect your investment and ensure peace of mind, with BMW Motor Vehicle Insurance. BMW Assurance Plan1 offers financial security in case the unexpected happens. Depending on the level of cover you choose, Assurance Plan can protect you for life, accident and sickness, and involuntary unemployment. Should any of these events occur, Assurance Plan will cover the monthly finance repayments or may even pay out the balance remaining on your finance contract. Ensure peace of mind and more enjoyment from driving your BMW, with protection from Assurance Plan. BMW Autosure Protection1 is a practical insurance solution that protects you from financial exposure on your finance contract. If, in the event of an accident, your vehicle is a total loss and the comprehensive motor vehicle insurance payout does not cover the balance owing on your finance contract, you may be liable for the shortfall. Autosure Protection will reduce or eliminate this shortfall, therefore providing you added security, peace of mind, and enjoyment from your BMW. BMW Leasesure Insurance1 offers security for employees who finance a vehicle as part of their salary package. One concern associated with financing the purchase of a new vehicle is the worry of job security and what happens with your repayments in the event of unemployment. In the event an employee is made redundant or their employment involuntarily terminated, with BMW Leasesure Insurance they can elect to return the vehicle to BMW Financial Services, and in the situation where there is a difference between the payout amount on the finance contract and the market value of the vehicle, Leasesure Insurance will cover the shortfall. BMW Owners’ Circle provides secure online access to your BMW Financial Services account details 24/7, enabling you to transact when you want to. Review your payment history; change contact details; request a new direct debit; obtain statements; request payout quotes or further information on services such as BMW Insurance or the exclusive BMW Card. Information available includes contract number and status, contract type, term, start date, end date, residual value, payment method and the amount and date your next payment is due. All you need to do to set up your password access is go to www.ownerscircle.com.au and click on the heading ‘First time to Owners’ Circle?’. You will be taken to a series of questions where you will need your account number and date of birth. Once entered, you can create your secure password, which will be confirmed via email. BMW Mortgage. With a choice of flexible, cost- effective options, a BMW Mortgage makes property finance as easy as financing your BMW. Whether you’re planning to buy or build your first home, remortgaging your existing home or looking for a rewarding property investment, a BMW Mortgage can be tailored precisely to your needs. Choose from: BMW Standard Loan, BMW Premium Loan, BMW Line Of Credit or BMW Combo Loan. BMW Mortgage is available to all suitable home loan applications and offers no application fees, no ongoing fees, no settlement fees, no valuation fees, no redraw fees and free ATM withdrawals. * For more information talk to your BMW Business Manager, or apply online at www.bmwmortgage.com.au. *Except for BMW Standard Loan. Stamp duty and registration fees applicable as well as legal costs in some circumstances. The BMW Card is the ideal way to enjoy and complement the BMW lifestyle, providing the financial flexibility and spending power you deserve. The BMW Card offers unique benefits and value- added features. It’s our way of saying thank you for being a BMW customer. There is no annual card fee in the first year, saving you $70. Furthermore, we will continue to waive the annual card fee every year in which you spend over $18,000 on your card, reset annually. Like your BMW, the BMW Card is the ultimate in its class. To add an extra touch of BMW class to your lifestyle, as well as enjoying the unique benefits that the BMW Card offers, simply visit www.bmwcard.com.au. Motorcycle Personal Loan Prestige Purchase Chattel Mortgage Personal Lease Novated Lease Prestige Lease Auto Plan Plus Personal Loan Full Circle Auto Plan Product Features New/ New/ New/ New/ New/ New/ New/ Vehicle Used Used Used Used Used Used Used New New New Suitable for private ■ ■ ■ purposes Suitable for companies, self- ■ ■ ■ ■ ■ ■ ■ employed and professional people Enhanced cash-flow ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ Fixed repayments ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ Fixed interest rates ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ Choice of residual/ ■ ■ ■ ■ ■ ■ ■ ■ balloon value Full ownership at contract end ■ ■ Opt Tax deduction ■ ■ ■ ■ ■ ■ ■ ■ ■ may be available Scheduled service/maintenance ■ included Fixed budgeting of ■ running costs No vehicle disposal ■ ■ ■ problems No residual risk ■ ■ ■ Off balance sheet ■ ■ ■ finance Flexible terms ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ Deposit may be ■ ■ ■ ■ ■ placed into contract Used as an aid to ■ salary packaging Capital not tied up ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ Terms and conditions apply. For further information on any of these products please talk to the Business Manager at your preferred BMW Dealer. Important Information: 1. Insurers: St Andrew’s Insurance (Australia) Pty Ltd ABN 89 075 044 656, AFSL No. 239649 and St Andrew’s Life Insurance Pty Ltd ABN 98 105 176 243. This insurance is not compulsory and can be obtained from an insurer of your choice. The information contained in this document is general and does not take into account your individual needs, circumstances, objectives or financial situation. You may wish to speak to an advisor authorised to provide advice tailored for your personal situation before making a decision to purchase this insurance. This material should be read in conjunction with the St Andrew’s Product Disclosure Statement (PDS) which is available from your advisor or can be downloaded from www.bmwfinance.com.au. More about BMW Financial You should consider the PDS before making a Services decision to purchase this policy. The information supplied is indicative only and is not an offer to lend or a formal disclosure statement. Applications are subject to normal bmw.com.au eligibility guidelines. You should read the PDS to determine if you are eligible. The insurers are responsible for meeting all claims. BMW Australia Finance Ltd can arrange this insurance as an authorised representative of St Andrew’s Insurance (Australia) Pty Ltd. BMW Australia The Ultimate Finance Ltd receives a commission from Driving Machine the insurers for arranging this insurance. The insurers reserve the right not to accept certain proposals and the right to issue the policy subject to certain exclusions, conditions and limitations. You should read the PDS for a full explanation of the policy terms and conditions. 2. This brochure is a summary of the benefits available under BMW Motor Vehicle Insurance. We do not advise you whether the insurance is appropriate for your personal objectives, financial situation or needs. A full description of the cover offered and the benefits, limits and exclusions is contained in the Policy Document / Product Disclosure Statement, which should be read carefully before making a decision whether to buy the product. Ask for a copy from your BMW Dealer or telephone Freecall 1800 035 660. The Insurance is provided on behalf of BMW Australia Finance Ltd Allianz Australia Insurance Limited, AFS Licence ABN 78 007 101 715 No. 234708, ABN 15 000 122 850 (Allianz). 783 Springvale Road In arranging this Insurance, Marsh Pty Ltd ABN 86 004 651 512, AFS Licence No. Mulgrave VIC 3170 238983, BMW Australia Finance Limited Phone: (03) 9264 4060 ABN 78 007 101 715, and authorised Dealers act as agents of Allianz and not as your agent. Fax: (03) 9535 4006 firstname.lastname@example.org Please note: Terms and conditions apply. For further www.bmwfinance.com.au information on any of these products, please speak to the Business Manager at your preferred BMW Dealership. Please note that this brochure is not a contract or agreement and is for your information only. The terms and conditions between you and BMW Financial SFAU1900051 Services are outlined in your terms and conditions document provided by your BMW dealer or directly by BMW Financial Services. You should refer to this document for specifics regarding the terms of the agreement between you and BMW Financial Services.