If you are making changes to your address or want to sign up for EasyPay and Paperless Statements, check the box at the left and complete the reverse side.

Changes?

ACCOUNT SUMMARY

Customer Service Contact: (800) 578-5000 Hours of Operation: Mon - Fri, 9:00 a.m. to 9:00 p.m. ETWebsite: bmwusa.com/mybmw bmwusa.com/mybmw

IMPORTANT INFORMATION

$__________

Make payments to

Allow 5-7 days for your payment to reach us. Please detach here and return this portion with your payment. Always put your complete account number on your check or money order.

Payments received after statement date are not reflected.

BMW Financial ServicesAccount Statement

Principal Interest Other Charges Total

BMW Financial ServicesP.O. Box 3608Dublin, OH 43016-0306

REMITTANCE SECTION

AMOUNT DUE

TRANSACTION(S) SINCE LAST STATEMENTAmount PaidDate Account Activity Charges

VILOURD GATCHALIAN

11/19/20157/8/2017

1001910849

1001910849

BMW 328i SA SWBAPH575X9NL80225

0.00451.11451.11

451.1112/8/2015

Previous Statement Balance 451.11

11/8/2015 Payment Received. Thank You 451.11

12/8/2015 Current Payment Due 451.11

Account Balance After Credit 451.11

A payment of $451.11 will be processed on 12/8/2015 by ourEasyPay program.

Our offices will be closed Thursday, November 26, 2015 andFriday November 27, 2015 in celebration of the ThanksgivingHoliday. Our offices will resume normal business hours on Monday,November 30, 2015. You may view your account information ormake a payment online 24/7 by visiting bmwusa.com/mybmw or bycalling our automated phone service at (800) 578-5000. Thank youfor your business and Happy Thanksgiving to you and your family.

347.18 103.93 0.00 451.11

When making early payments or payments greater than your regular monthlypayment amount, your principal may be reduced. By making payments inexcess of your regular payment amount you may effectively reduce your finalpayment or shorten the term of your account.

8,052.48 12/8/2015

Payment must be received by 12/18/2015 to avoid a late charge.

VILOURD GATCHALIAN125 S LA FAYETTE PARK PL APT 1LOS ANGELES, CA 90057

BMW Bank of North AmericaP.O. Box 78066Phoenix, AZ 85062-8066

By signing below, I authorize BMW Financial Services NA, LLC including its subsidiaries and affiliates (“BMW FS”), to initiate withdrawals from the checking account or savings account shown below, for amounts due to BMW FS according to the terms of my Lease Agreement, Retail Installment Sales Contract or Performance Loan with BMW FS.I may cancel this EasyPay authorization by logging in to My BMW at www.bmwusa.com/mybmw or by calling (800) 578-5000, Monday through Friday from 9:00 a.m. to 9:00 p.m., ET.I understand that I must continue to make my regular monthly payment until notified when my electronic withdrawals will begin.

Log in to My BMW at www.bmwusa.com/mybmw for faster processing.

Address: ___________________________________________________________________________

City/County: ____________________________________State/ZIP:___________________________

Home Phone: ___________________________________Business Phone: ____________________

Cell Phone: _________________________________________________________________________

Email Address: ______________________________________________________________________

VEHICLE GARAGING CHANGE(The address where the vehicle will be registered.) Changes may affect payment.

Address (No P.O. Boxes): _____________________________________________________________

City/County: ____________________________________State/ZIP:___________________________

License Plate Number:______________Vehicle Registration Expiration Date: _____/_____/_____

BMW Financial Services Account Number: _____________________________________________

Customer Name: ____________________________________________________________________

Checking Savings Request Start Date: _______________________________________

Bank Routing Number: ___/___/___/___/___/___/___/___/___

Bank Account Number: ___/___/___/___/___/___/___/___/___/___/___/___/___/___/___/___

By providing your email address, you consent to receive emails from BMW Financial Services regarding your account. You also consent for BMW Financial Services to share your email address with our affiliates.

Check here to receive an email with instructions for enrolling in Paperless Statements.

Email Address: ______________________________________________________________________

Signature: __________________________________________________________________________

NOTICESExcept where prohibited by law this Account Statement is an attempt to collect a debt and any information obtained will be used for that purpose.

NOTICE TO CONSUMER ABOUT NEGATIVE CREDIT REPORTINGFederal law requires us to advise you that we may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. As required by law, you are hereby notified that a negative credit report reflecting on your credit records may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Notice of dispute of accurate information: If you believe we reported incorrect or incomplete information about you to a credit bureau, write to us at BMW Financial Services, P.O. Box 3608, Dublin, OH 43016-0306. Identify the information and tell us why you believe it is incorrect or incomplete.Autodialed and prerecorded calls: We use automatic telephone dialing systems and prerecorded/artificial voice messages to communicate to our customers. By providing your contact information, you agree to be contacted regarding your account via text message or telephone, including the use of prerecorded or autodialed calls. Standard mobile, message, or data rates may apply. BMW Financial Services periodically monitors and records incoming calls to ensure quality customer service. Check Processing: When you provide a check as payment you authorize us to use information from your check to make a one–time electronic fund transfer from your account or to process the payment as a check transaction.

PAPERLESS STATEMENT INFORMATION Paperless Statements allow you to reduce mail and increase security. You will receive a notification email approximately 20 days prior to your due date to access your Account Statement online. To enroll for Paperless Statements, please log in to My BMW at www.bmwusa.com/mybmw, or check the box below to receive an enrollment email.

EASYPAY INSTRUCTIONS (AUTOMATIC MONTHLY PAYMENTS)

(On a business check, these numbers may appear in reverse order)Three easy ways to sign up:

• Log in to My BMW at www.bmwusa.com/mybmw and complete enrollment OR• Fax completed form below to (888) 323-2828 OR • Mail completed form below with your monthly payment and retain copy for your records. Please allow up to 7 business days for fax or mailed requests to be processed.

You will receive confirmation once your EasyPay is activated.

INSURANCE INFORMATIONPlease send all proof of insurance (binders, policies, renewals, endorsements and information) by email to insuranceinfo@bmwfs.com, by fax to (888) 910-6245, or by mail to:BMW Financial ServicesATTN: InsuranceP.O. Box 8002Hilliard, Ohio 43026-8002Insurance claims for all accidents and/or stolen vehicles must be reported to the Insurance Center at (800) 653-4269, Monday through Friday from 9:00 a.m. to 6:00 p.m. ET.

PAYOFF INFORMATIONStep 1. Obtain updated payoff quote and payoff document Log in to My BMW at www.bmwusa.com/mybmw OR Call (800) 578-5000 to use our 24 hour automated telephone service OR Speak to a Customer Service representative during normal business hours.Step 2. Determine what type of funds are required to meet your Title/Lien Release expectations: Expedited Title Release – Use certified funds, which can be obtained from a bank, such as certified checks or money orders. If your account is eligible, you may choose to include a fee in the payoff for overnight delivery of your Title/Lien Release once your payoff is processed. Your Title/Lien Release will be sent to your current billing address within 5 business days upon receipt of your funds. Standard Release - Use a personal check if you do not need your Title/Lien Release expedited. If your account is eligible, you may choose to include a fee in the payoff for overnight delivery of your Title/Lien Release once your payoff is processed. Your Title/Lien Release will be sent to your current billing address within 15 business days upon receipt of your funds, depending on state law.Step 3. Prepare your payoff, choose a mailing location, and read some important disclosures: Make your funds payable to Financial Services Remarketing, Inc. (FSRI). Include your 10 digit BMW Financial Services account number on your payment. Include your payoff document if you want your title sent to another address other than the current billing address.Overnight Mail Regular MailFinancial Services Remarketing, Inc. Financial Services Remarketing, Inc. c/o US Bank, Box 83290 P.O. Box 832905300 S. Cicero Avenue Chicago, IL 60691-0290Chicago, IL 60638If the overnight carrier requests a telephone number for the addresses, please provide the telephone number for BMW Financial Services, (800) 578-5000. Your payoff amount may include items that have not yet cleared your bank. The payoff amount is subject to increase based on the return of any such items. If your Title is electronic, the process to release will vary based upon your State’s requirements; however, our lien will electronically be released within the same time frames depending on the type of funds received. BMW Financial Services does not accept electronic transfers or credit cards for payoffs. All funds are credited the day they are received and can take 1-2 business days to be reflected on your account. Do not include an overnight return envelope.

PAYMENT INFORMATIONElectronic payment: Log in to My BMW at www.bmwusa.com/mybmw to schedule an ACH or debit card payment. Credit cards are not accepted for regular monthly payments.

Pay by phone: call our automated telephone service at (800) 578-5000 and after authenticating, simply say “make a payment” and follow the prompts.

All electronic payments are credited to your account on the date processed; however, allow up to 5 business days for the funds to be withdrawn from your bank. Payments are processed in Eastern Time.

Mail a payment: Please remit all payments to BMW Financial Services with the remittance coupon from this statement to the following payment address:

BMW Financial ServicesP.O. Box 9001065Louisville, KY 40290-1065

CONTACT INFORMATIONCall us at (800) 578-5000, Monday through Friday from 9:00 a.m. to 9:00 p.m. ET.For international calls, dial (614) 718-6350. Please send written correspondence and/or notices of bankruptcy filing to:BMW Financial Services Regional Service CenterP.O. Box 3608Dublin, OH 43016-0306To contact us electronically, please use our secure Message Center. Please log in to My BMW at www.bmwusa.com/mybmw and select Message Center.

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