THE FREEDOM OF MOBILITY. BMW LEASING.

BMW Financial Services

www.bmw.inSheer

Driving Pleasure

BMW Financial Services

www.bmw.inSheer

Driving Pleasure

EXPERIENCE THE CONSISTENT JOY OF DRIVING WITH BMW FINANCIAL SERVICES.

BMW Financial Services 4

BMW Leasing 6

BMW Finance Lease 10

BMW Operating Lease 11

Loan vs Lease 14

FAQs 18

2 I BMW Financial Services

FINANCING, LEASING AND INSURANCE.PREMIUM SERVICES UNDER ONE BRAND.

BMW Financial Services is dedicated to giving you as a BMW customer thetype of products, professionalism and efficient services needed to make thetransition from the showroom to the highway, pleasurable and memorable.

To make sure you enjoy driving our cars, we have put together a portfolio ofinnovative tailor-made Finance, Lease and Insurance products, speciallyengineered for you and your BMW.

BMW Financial Services is committed to enhancing the Sheer Driving Pleasureof your BMW experience and we are confident of providing you with unrivaledservices and commitment, perfectly matching your needs as a BMW customer.

BMW Financial Services I 5

MINIMAL CAPITAL COMMITMENT. EASY COST CONTROL.

BMW Leasing from BMW Financial Services brings you closer to your dreams. With the features and terms that our leasing products offer, you now have the opportunity to enjoy simplicity, flexibility and peace of mind with practical solutions through out the lease contract, while also reducing the cost of ownership.

No matter if you are an individual customer or a corporate customer, our leasing products are tailored to your individual needs and managed with a high level of service.

BMW LEASING.

6 I BMW Financial Services

THE FASTEST WAY TO YOUR DREAM CAR.BMW LEASING.

We at BMW Financial Services offer you the easiest and the most flexible way of driving a BMW now and also upgrading to a new BMW model in the future. You can now drive the BMW of your dreams for a fixed period of time by agreeing to pay a fixed lease rental.

Our BMW Lease products are designed to extend exclusive benefits and efficient services required by BMW customers.

At the end of your contract tenure, BMW Leasing gives customers the option to retain the vehicle or upgrade to a new BMW of their choice.

WhY LEASE? ADvANtAGES At A GLANcE.*• You only pay for as much as you use• You have the opportunity to drive the latest BMW models• You can avail Tax Benefits• You can customise your lease contract to best suit your needs• You can enjoy professional and efficient service• Zero down payment option• Option to include insurance packages of the vehicle in your monthly lease rental• Option to include maintenance packages of the vehicle in your monthly lease rental• You enjoy the added security of keeping all your automotive needs under one roof. From the test drive to the end of your lease contract, the BMW family meets all your automotive needs.• Pre-closure option

* terms and conditions apply.BMW Financial Services I 9

JOY REACHES DREAMS.BMW FINANCE LEASE.

JOY MAKES IT HAPPENBMW OPERATING LEASE.

Under this arrangement, the customer has an option to drive a BMW of his choice for a fixed period of time in return for a pre-decided lease rental. At the end of the tenure, the customer is given the option to retain the vehicle at a price substantially lower than the market price*.

FEAtURES AND BENEFItS OF FINANcE LEASE.*• Flexibility to choose a new BMW that best suits your driving and lifestyle needs• Flexible contract tenure to choose from• Zero down payment option available• Tax Benefits to customers: Interest and depreciation allowed as an expense for accounting, taxation purpose. Also tax benefit can be availed on the price of ancillary products.• Flexibility to pre-close the contract on payment of applicable charges• Flexibility to incorporate ancillary products like Motor Insurance, BMW Service Inclusive (BSI) and BMW Secure Premium into the lease rentals to provide additional safety for you and your BMW

Under this arrangement, the BMW customer will have the opportunity to drive a BMW of his choice for a fixed period of time, in return for a pre-decided lease rental. At the end of the lease tenure, you may decide to upgrade to a new BMW or purchase the existing vehicle.

Under Operating Lease arrangement, BMW Financial Services bears the risk of ownership of the vehicle. As a privileged customer, you can drive the vehicle for the agreed tenure and leave the rest on us to manage.

FEAtURES AND BENEFItS OF OPERAtING LEASE.*• Minimum cash outflow due to residual value benefit• Upgrade to a new BMW model, at the end of the lease tenure• Flexible contract tenure to choose from• Zero down payment option available• Avail tax benefits• Flexibility to pre-close the contract on payment of applicable charges• Flexibility to incorporate ancillary products like Motor Insurance, BMW Service Inclusive (BSI) and BMW Secure Premium into the lease rentals to provide additional safety for you and your BMW

* terms and conditions apply. * terms and conditions apply.

JOY IS ABOUT PERFECT SERVICE.

Tailored Financial SolutionsThe F&I Manager / Corporate Sales Manager at your BMW Dealership shall assist you in making the most educated financial decision and shall tailor-make your financial solution to best suit your / your company’s requirements

Premium ServicesEfficient and professional services suited to cater to your specific needs

Documentation and Registration Assistancethe F&I Manager / corporate Sales Manager at your BMW Dealership shall assist you with the documentation and registration process.

Insurance Solution*

You have the option to include a comprehensive Motor Insurance and BMW Secure Premium package offered to you by Bajaj Allianz General Insurance.

BMW Financial Services will assist you with insurance related documentation and formalities for new and subsequently renewed insurance policies.

Maintenance Solution*

You have the option to include maintenance solutions through BMW Service Inclusive (BSI). Under this package, your BMW authorized dealership shall take care of the maintenance of your BMW.

End of Term Options*

You can continue enjoying driving your BMW vehicle at the agreed residual value in case of Finance Lease, where as in case of Operating Lease, BMW Financial Services will give you the option to purchase the existing BMW at the prevalent market price or upgrade to a new BMW.

Special BMW Lease OffersBMW Financial Services / your BMW Dealership representative shall keep you updated on the latest offers, so that as a privileged BMW customer you can make an informed decision and can take advantage of the benefits being offered.

For details, please contact the Finance and Insurance Manager / corporate Sales Manager at your nearest BMW dealership.

* terms and conditions apply. BMW Financial Services I 1312 I BMW Financial Services

JOY GIVES YOU WHAT YOU WANT.LOAN VS LEASE.

BMW Financial Services offers customers a wide range of finance and lease product options to choose from. Based on the individual needs of the customer, the F&I Manager / Corporate Sales Manager at your dealership shall assist you in making the most educated financial decision.

Sample illustration.BMW 320d Dynamic OL “Zero Down Payment” FL “10% Down Payment” Loan “10% Down Payment”Ex-Showroom Price INR 2,830,000.00 INR 2,830,000.00 INR 2,830,000.00Registration and Road tax INR 298,915.00 INR 298,915.00 INR 298,915.00

comprehensive Motor Insurance Included for 3 Years Included for the first year. Option to renew every year at an additional cost.

Included for the first year. Option to renew every year at an additional cost.

Maximum Kms (per annum) 10000 kms - -tenure 36 Months 36 Months 36 MonthsBMW Secure Inclusive Ultimate (BSI) Included for 3 Years Optional Optional

BMW Secure Premium*** Included for 3 Years Included for the first year. Option to renew every year at an additional cost

Included for the first year. Option to renew every year at an additional cost

Indicative Basic Rental/ EMI (Inclusive of VAT) INR 87,257.00 INR 85,107.00 INR 90,260.00

State Taxes (as applicable - extra) Yes Yes YesComparison Parameters

Motor Insurance** comprehensive Motor Insuranceincluded for 3 Years. comprehensive Motor Insurance optional comprehensive Motor Insurance optional

BMW Service Inclusive Ultimate (BSI)* BSI maintenance packageincluded for the entire contract tenure. Option to purchase at an additional cost Option to purchase at an additional cost

BMW Secure Advanced*

• tyre coverage• Alloy coverage• Hydrostatic Lock Coverage• 24 X 7 Roadside Assistance

Included for 3 YearsIncluded for the first year. Option torenew it every year at additionalcost

Included for the first year. Option torenew it every year at additionalcost

BMW Secure Premium***

• Depreciation cover• Car Replacement (in case of total loss)

Included for 3 Years Included for the first year. Optionto renew every year at an additional cost.

Included for the first year. Option to renew every year at an additional cost.

Tax Benefits (Business User) On the entire lease rental On the interest and depreciation only On the interest and depreciation only

Income Tax Benefits(Salaried Individual)

Option to claim lease rental as adeduction from Gross total Income

Option to claim lease rental as adeduction from Gross total Income -

For details, please contact the F&I Manager/ corporate Sales Manager at your nearest BMW dealership.

* terms and conditions apply. Buying and Registration city - New Delhi. the above example is for illustrative purposes only. Actual lease rentals can differ at the time of the contract.** Motor Insurance solutions are offered and provided by Bajaj Allianz General Insurance in India. Terms and conditions apply.*** The customer can only avail the benefits of BMW Secure Premium, if the Motor Insurance for the said vehicle is through Bajaj Allianz General Insurance. Terms and conditions apply. OL=Operating Lease, FL=Finance Lease14 I BMW Financial Services

LEASING WITH BMW FINANCIAL SERVICES.THE BENEFITS.*

LEASING MADE EASY.THE HASSLE FREE PROCESS.

• Simple and hassle free process• competitive terms and conditions• Range of down payment options to chose from• Option to choose between different tenures and annual mileage depending upon your requirements• Single Point Contact for all your automotive needs – Motor Insurance, BMW Secure Premium and BMW Service Inclusive (BSI)• Premium Service - Guidance and assistance from the BMW dealership• Early termination / Pre-closure option available• Faster turnaround time

• choose the BMW that fascinates you• Select the convenient payment tenure• Agree on a convenient monthly lease rental• the Finance and Insurance Manager at your dealership shall assist you with all formalities - from the lease documentation to the vehicle registration and vehicle insurance• Enjoy the Sheer Pleasure of driving away in your new BMW

At thE END OF YOUR LEASE tENURE.• We will guide you with the end of term process• You will have the flexibility of choosing from the various options available to you

* terms and conditions apply.

FREQUENTLY ASKED QUESTIONS (FAQs).

What is the difference between Lease and Loan? When you take a loan on your vehicle the risk, rewards and ownership is transferred to you. In return you are liable to pay the financial institution the sum of the cost of the car plus the interest charges as applicable, in the form of monthly installments (EMIs).

For a leased vehicle, you have the freedom to drive your vehicle at a pre-decided fixed lease rental for an agreed time period. thus you pay for only as much as you use. At the end of the lease tenure, you have the option of ownership / exchange or upgradation to a new BMW car.

What is the difference between Finance Lease and Operating Lease?A Finance Lease transfers substantially all risks and rewards incidental to the ownership of the asset. Title may or may not eventually be transferred. A Operating Lease does not include any of the features mentioned in the afore said definition of Finance Lease.

As a salaried individual, how is leasing my vehicle beneficial to me over financing?*

As a salaried individual you stand to gain due to the incidence of Income tax, which applies to the cash component and thus your disposable income increases in case the vehicle is a part of your remuneration structure. In turn, your employer also benefits from this as the lease rentals can be treated as expense in case of operating lease. In case of Finance lease, your employer can write-off the interest component included in the lease rentals and at the same time can also avail depreciation benefits.

Example**:Employee Compensation StructureVehicle not part of CTCMonthly taxable Salary = INR 100,000Income Tax Rate (indicative) = 30%tax Amount = INR 30,000Net Salary = INR 70,000EMI (towards car) = INR 10,000Disposable Income = INR 60,000

Saving of upto INR 3,000 per month per Lac. No tax applicable on the part of the salary paid as lease rentals.

How is leasing beneficial for a Corporate Customer?With reference to the accounting treatment of a company account, as a corporate customer you can enjoy the following benefits of a Lease.

Particulars Loan Finance Lease Operating Lease

Asset Recognition In the Borrower’s books In the Lessee’s books In the Lessor’s books

Liability Recognition In the Borrower’s books In the Lessee’s books In the Lessor’s books

Expense Interest and depreciation onlyto the Borrower

Interest and depreciation onlyto the Lessee

Full rental to the Lessee

Depreciation In the Borrower’s books In the Lessee’s books In the Lessor’s books

What are the benefits of Leasing through BMW Financial Services?We at BMW Financial Services offer you the easiest most flexible way of driving the BMW of your dreams now and also upgrading to a new BMWin the future. through our innovative lease products, customers have the opportunity to experience the simplest, most flexible way of driving aBMW, with an option to exchange and upgrade to a new model in the future.

We also offer you a range of innovative products like Motor Insurance, BMW Secure Premium and BMW Service Inclusive (BSI), our maintenancepackage. BMW Financial Services provides its customers with complete peace of mind and sheer driving pleasure.

No matter if you are an individual customer or a corporate customer, our leasing products are customised to suit all your needs.BMW Financial Services offers lease products specifically designed to suit you and your BMW.

What happens at end of my Lease Contract?At the end of the lease tenure, you have the opportunity to retain your leased BMW vehicle, upgrade to a new BMW model or return the leased BMW vehicle.

the Finance and Insurance Manager / corporate Sales Manager at your dealership shall be glad to assist you with the end of term and requisite formalities.

Vehicle as a part of CTCGross Salary = INR 100,000Lease Rental towards car = INR 10,000Monthly taxable Salary = INR 90,000Income Tax Rate (indicative) = 30%tax Amount = INR 27,000Disposable Income = INR 63,000

* Tax benefits as applicable. This is a sample illustration and for details please consult your tax advisor.** For illustrative purpose only. BMW Financial Services I 19