Who better to finance your car than the people who built it?

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1 >> Financing your smart Who better to finance your car than the people who built it? SF67/01/14 smart Mercedes-Benz Financial s UK Limited. A Daimler Company. Tongwell, Milton Keynes MK15 8BA, United Kingdom. Tel: by smart is arranged by Daimler Insurance s UK Limited and underwritten by Aviva Insurance Limited. Registered in Scotland, No Registered Office: Pitheavlis, Perth PH2 0NH. Daimler Insurance s are authorised and regulated by the Financial Conduct Authority. Aviva Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For joint protection calls may be recorded and/or monitored. We may decline to quote in some circumstances. This brochure provides only an outline of the benefits of the insurance cover available and does not constitute full terms and conditions. Though accurate and up to date at the time of going to press (01/2014), details may change without prior notice. Mercedes-Benz is a registered trademark of Daimler AG, Stuttgart, Germany. smart is a registered trademark of Daimler AG, Stuttgart, Germany.

2 I was really impressed with the entire service from beginning to end >> Keeping you 100% smart We believe a great driving experience should be matched by an equally great ownership experience. And that s why we put just as much thought, time and effort into designing our finance options, our service plans and our insurance cover as we do into our cars. Over the next few pages you can read about the benefits of the services we offer and see just how costeffective and hassle-free they can make owning and running a smart. Of course if you d like to find out more about any of our current offers, simply call into your local Retailer where one of our Business Managers will be more than happy to talk you through anything you need to know. Taken from Customer Satisfaction Survey feedback Q3 2011

3 >> Choosing the colour of your smart can be difficult. Fortunately, financing it isn t. You ve chosen the perfect colour and options for your new fortwo. Now simply sit down with one of our Business Managers and they ll be happy to guide you through our range of finance packages, service options and Insurance Cover. We re not in the business of simply providing a loan to fund the purchase of your new fortwo. We look on it rather as a journey that we take with you from the moment you choose your new car to the minute you choose your next one. You should find that our finance packages are more convenient than a traditional personal loan. They are: > > Quick and easy to arrange On average approved credit applications are processed within 19 minutes. > > Immediately available With no waiting for cheques or loans to clear. > > No security on your home required You will not be required to provide us with any security against your house as a condition of taking out the finance agreement. > > Clear and transparent Other lenders may offer you a higher APR to the one you applied for based on your credit status. Where we advertise an APR, this is the APR you will receive if your credit application is successful. > > Guarantee the future value of your car Our Personal Contract Purchase plan, Agility features a future guaranteed value, which provides you with protection against the risk of depreciation, and also makes your payments more affordable. >>Dedicated to finding the right finance package for you. In all of our retailers you will find dedicated Business Managers who are vehicle funding specialists, assuring you of the best advice when it comes to choosing the best options for your chosen vehicle. Our Business Managers are experts in all aspects of vehicle finance. They will talk you through the options, advise you as to which one might suit you best and help you to make the right choice. What s more they have access to systems and support that will enable quotations and comparisons to be prepared for you in minutes. Above all, we want you to be reassured that our Business Manager will be there with you every step of the way - discussing your requirements, making suggestions and outlining the options available. Don t just take our word for it It s a measure of the lengths we take to meet our customers needs that during 2010, 98% of our customers were either satisfied, very satisfied or completely satisfied with their overall finance experience.* What s more, our Customer Teams at Mercedes Benz Financial s are SAF Approved and are made up of SAF Experts. Our SAF accreditation acts as an independent recognition of the fact that we are continuously raising our professional standards and our motor finance expertise for the benefit of our customers. It is very clear and I found that the person I was dealing with was professional and dealt with things well. Based on all credit applications received January-November 2010 For more information on our finance offers, service care and Insurance options, simply talk to one of our experienced Business Managers today or read on for further details. * Mercedes-Benz Finance Customer Satisfaction Survey January-December Taken from Customer Satisfaction Survey feedback Q3 2011

4 The whole experience was brilliant, just fantastic. >> Agility The flexible, affordable and risk-free payment plan. Your smart Option 1 Option 2 Option 3 With Agility, a flexible deposit and term allows you to budget precisely. Agility defers your decision whether to purchase or return your smart until the end of your agreement. smart guarantees the future value of your vehicle which also lowers your monthly payments - many customers use this increased affordability as a means to buy a higher specification. The Benefits of Agility > > Lower your monthly repayments as we can guarantee the future value of your car > > Defer the decision to own the car outright until the end of the agreement > > Decide upon the level of deposit and monthly repayments that suit you best > > Enjoy a risk-free finance experience as the future value of the car is underwritten by us > > Avoid the risk of depreciation and benefit through more affordable payments. Deposit Monthly payments calculated based on anticipated mileage during term Choice of 3 options Purchase your smart by paying the Optional Purchase Payment* Hand back your smart** Purchase and part-exchange your smart for a brand new one* If you choose to return your vehicle, under the terms of your agreement, your car must be maintained at an Official Workshop. If you d like to find out more about Agility or any of our other finance plans, whether for personal or business use, talk to a Business Manager today. Taken from Customer Satisfaction Survey feedback Q * Please note that a Purchase Activation Fee will be debited from your account. To find out how much this is, please look at your contract under the other financial information section. This will complete the purchase of your smart car, leaving you free to Part Exchange for a new smart, or to simply enjoy your car. ** If you decide to return the car to us, it s vital that you check your smart car for any unacceptable damage beforehand. Fees can easily be avoided if you follow our vehicle return standards.

5 >> Finance options More payment options and more flexibility. Our finance offers a range of options, and levels of flexibility, that you re unlikely to find elsewhere. You could choose to own or lease your smart and then select the scheme that provides the payment and benefits that suit you best. Options include Hire Purchase, for regular monthly payments; Operating Lease, which offers great benefits to business customers; and Personal Lease for private customers who want hassle-free motoring. Your smart Deposit Monthly payments Own your smart Total value of smart Monthly rentals calculated based on only a proportion of the smarts value Return of smart Total value of smart Monthly rentals calculated based on only a proportion of the smarts value Return of smart Very good rate, I didn t have to go looking around or anything else. Hire Purchase Fixed payments over an agreed term for a simple route to ownership > > At the end of the agreement, you own the vehicle > > Flexible deposit and repayment period > > Fixed interest rate and payments throughout the life of the loan. Operating Lease Low monthly rentals based on only a proportion of the car s value. > > There is no large initial deposit > > By including a guaranteed residual value, your monthly rentals are reduced > > Fixed monthly rentals that fit your budget and protect you from unexpected bills > > Eliminates capital expense > > Possibility to extend the lease in some instances > > At the end of the lease period the vehicle is returned. Personal Lease Lease a car over a fixed term, with low monthly rentals and none of the worries of ownership. > > There is no large initial deposit > > By including a guaranteed residual value, your monthly rentals are reduced > > Fixed monthly rentals that fit your budget and protect you from unexpected bills > > Possibility to extend the hire in some instances > > Simply hand back at the end of your agreement (subject to charges for excess mileage and damage). Taken from Customer Satisfaction Survey feedback Q3 2011

6 >> A lease&care agreement A general overview. A lease&care agreement consists of an Operating Lease agreement for your vehicle and a lease agreement for your battery. In addition to the benefits of an Operating Lease agreement you also receive the following for your battery: >> sale&care Own the car you want to own, without the responsibility of owning the battery it runs on. A valuable aspect of your lease&care agreement is Battery Care Cover which is included as standard. This means that you have the peace of mind of knowing that the battery within your new smart fortwo electric drive will have the care it requires. If the battery falls below 80% of its capacity, we will replace the battery for you, providing you have followed the manufacturer s and Official Workshop (smart Retailer) (where relevant) recommendations as set out in the handbook. Battery capacity will be measured during battery maintenance when we ll give you diagnostic information about the battery. In addition, your Battery Care Cover will include all recommended battery maintenance and servicing, as well as any preventative treatment checks which may be required. We will carry out any work needed to keep your battery in good working condition too. This will include a high voltage battery check every 12 months or 12,400 miles (whichever comes first). Plus a battery drying cartridge replacement every 24 months or 24,800 miles (whichever comes first). As a lease&care customer, you will also benefit from sale&care move. This includes enhanced breakdown cover exclusive to your smart fortwo electric drive 3rd generation, for the life of your battery lease agreement. The smart fortwo electric drive 3rd generation comes with a standard three year warranty, and the sale&care move further expands the benefits and features of the traditional two year smartmove assistance provided to smart vehicles. sale&care move benefits include: > > Breakdown > > Within the first three years, the vehicle is fully covered for any breakdown situation, and the repairs are covered under the manufacturer s warranty > > For the years which remain, up to ten years, the vehicle is also fully covered for any breakdown situation, up to the point where workshop diagnosis is complete. At this point, the cost of repairs and replacement mobility are covered if it is established that the battery caused the breakdown > > Hotel stay (for a maximum of one night) > > Recovery. sale&care is a completely hassle-free way of purchasing your smart fortwo electric drive 3rd generation electric vehicle. As with our lease&care option, it gives you the peace of mind of having preventative treatment checks on your battery which you ll lease but with this option you ll enjoy the freedom of owning your fortwo outright, and having no regular payments to meet. Again, if your battery capacity drops below 80%, we ll swap it for another as part of your agreement. And, because we know that battery technology is still relatively new, we ll give you even more reassurance with sale&care move included as part of your deal. It means you can relax with breakdown cover for the length of your battery lease term and simply concentrate on enjoying life as a fortwo electric owner.

7 >> care Keeping a tight grip on servicing costs. >> Insurance that truly protects the car you love! Rated 5 Stars just what you d expect. From extra peace of mind to easier finances, Care can help look after of all of your servicing needs so you can simply enjoy life. Defaqto, a leading UK independent financial research company, compared our to other motor insurance policies. The result? Our has received a 5 Star Rating, their highest rating available, meaning you can be sure of the quality of our. Our accreditation Putting the Customer First is the national standard for customer service and affirms our standing and integrity in this area. Superb benefits as standard. The smart bits of Care. > > Guarantees the price you pay today is the price for the next 2 or 3 services, so what you pay won t ever go up even if inflation does > > Fixed monthly costs make it easier for you to budget because you can spread the cost of servicing > > You ll be adding an official stamp to your service history. So when it comes to selling your pride and joy on, future owners can look for the manufacturers seal of approval when they buy > > You ll have the satisfaction of knowing that your car will be serviced by specially trained technicians, using the latest diagnostic equipment, and fitting genuine smart parts > > If your car has been bought on finance then the Care payment can be easily added to your monthly budget plan > > Fully transferable to a new owner if you sell your smart, providing the plan is paid for up front. There are no surprises with our with benefits that include: > > 24/7 UK accident recovery to your nearest smart Approved Repairer > > Guaranteed repairs using smart GenuineParts > > 180 days cover as standard for temporary visits to most of mainland Europe (up to 3 months in one trip) > > Unlimited cover for in-car audio and telecommunications equipment, fitted by the factory or Retailer > > Your No Claims Bonus is unaffected if you are involved in an accident with an uninsured driver which is not your fault. Call us now for a motor insurance quote on (all calls charged at a local rate) or visit thesmart.co.uk/motorinsurance. Receive up to 10% discount when you take out your policy online. Our UK-based call centre is open Mon to Fri 8.30am 6pm and Sat 9am 2pm. For joint protection, calls may be recorded and/or monitored. by smart is underwritten by Aviva Insurance Limited. For more information visit: thesmart.co.uk or contact your local smart retailer.

8 >> Questions and Answers Q. Can I get help choosing the right finance package? A. Our Business Managers are trained vehicle funding specialists who are happy to discuss your motoring and personal needs to establish the most suitable financial package for you. Q. Over what period can I finance my vehicle? A. Our products are flexible with terms available between 12 to 48 months based on the finance product you choose and whether you take advantage of our nationally promoted low rate finance campaigns. Q. Do I need to pay a deposit? A. In most cases, yes. This will depend on the finance product you choose and the amount you borrow. The higher your deposit, the lower your monthly payments will be. Q. What options do I have at the end of my Agility agreement? A. The options at the end of your Agility agreement are: > > Purchase your smart. Simply pay the Optional Purchase Payment which is equal to the guaranteed future value. The vehicle will now be yours. > > Hand back your smart leaving you free to take out another agreement or purchase another car. You have no more obligations other than any agreed excess mileage or damage charges. > > Purchase and part-exchange your smart for a brand new one. (You may benefit if the market value is greater than the guaranteed future value). Q. How does my mileage affect my agreement? A. The mileage of your vehicle will only affect your finance agreement if you have chosen an Agility or Personal Lease product. At the beginning of your agreement your annual mileage is used to estimate the value of your vehicle when your agreement ends. If you exceed this mileage allowance (shown on your finance agreement), there will be an excess mileage charge to pay, which is calculated on a pence-per-mile basis. Therefore it is important that you set your mileage as accurately as possible at the start of the agreement. Q. What is a guaranteed future value? A. At the start of your Agility agreement your Business Manager will set a guaranteed future value (optional purchase payment) for the vehicle based on your contract term and anticipated mileage. By adding a guaranteed future value your monthly payments are reduced as they are calculated on a proportion of the vehicle cost. This can also offer you peace of mind in the event that if the market value of your vehicle at the end of the agreement is lower than this guaranteed value you can choose to simply hand the vehicle back to smart without making this final payment. See page 9 and 10 for Agility example. Q. What is the Purchase Activation fee? A. Our Agility agreements will include a purchase activation fee, this is paid if you decide you want to own your vehicle and exercise your right to purchase, at the end of the agreement. If you have a hire purchase agreement this fee is referred to as the Option to Purchase fee. Q. Will I have to pay any fees? A. Our standard fees are: Acceptance Fee 140 applicable to all finance agreements and Purchase Activation Fee/Option to Purchase fee 95 on Agility and Hire Purchase Finance agreements. Your acceptance fee covers the cost of carrying out vital checks into the history of your vehicle and registering your legal interest in it, in order to protect you from the possibility of fraud. If you buy a vehicle through an unsecured lender, you will not have this facility and the security that it gives. The acceptance fee you pay provides you with total peace of mind and the freedom to enjoy your new car. > > Any used vehicle accepted by Finance from smart is checked by HPI or Experian (credit reference agencies) to confirm that it is not an insurance write-off and that no other finance company has a financial interest in it. > > Once you have taken delivery of your vehicle, we register it with HPI or Experian, protecting you from any future fraudulent loan applications against your vehicle purchase. This ensures that any future enquiry on the vehicle will link the ownership to you and show who has an interest in it. > > We search the electoral register and national credit register when we process your application. This protects you from the danger of misrepresentation or fraud. > > We deal with all the paperwork required and process your agreement to ensure funds are dispatched to your Retailer promptly, so that your Retailer can release your vehicle. Q. Will the interest rate change throughout my agreement? A. No, our offers are fixed rate agreements, so you ll know exactly what you ll be paying from the beginning to the end of your agreement. Q. My company has opted out of a company car scheme and I now have a monthly allowance. Which finance options would be best for me? A. Agility and Personal Lease are both suitable if you are opting out of a company car scheme. Our Business Managers will help you choose a vehicle and monthly payment to match your allowance and with these products you can also benefit from the advantage of protection from depreciation. For additional peace of mind your allowance may even stretch to cover service plans and insurance. You can still simply hand the car back at the end of your agreement, and switch to driving the latest model. Q. Can I pay off my loan early? A. You have the right to early-settle loans regulated by the Consumer Credit Act and interest rebates due to you would be calculated in accordance with Consumer Credit formulae and regulations. Q. What does APR mean? A. APR stands for Annual Percentage Rate. When you borrow money on an agreement regulated by the Consumer Credit Act, lenders are required by law to quote this rate, which calculates the total amount of interest that will be paid over the whole term of the loan while taking into account any additional charges that the borrower has to pay. The APR allows you to compare the cost of finance from different lenders. Q. In the past other lenders have not offered me the advertised APR, is this likely to happen with Finance Packages from smart? A. Other lenders may offer you a higher APR to the one you applied for based on your credit status. With our Finance where we advertise an APR, this is the APR you will receive if your credit application is successful. Q. How can I cover on-going maintenance costs? A. smart have a number of service plans that are designed to make servicing as convenient and affordable as possible. Monthly payments remain the same throughout the term of your plan, allowing you to easily budget for your car s servicing. All servicing and repairs are carried out by our smart Official Workshops, guaranteeing the highest quality of specialist service for your car. If you have the option to return your vehicle under your finance agreement, it must be maintained by a smart Official Workshop only. Please speak to the Business Manager at your local Retailer for more details.

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