Ignite the Power.
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Why Mercedes-Benz Finance Who better to Finance and Insure your vehicle than the people who built it. Whether you own one commercial vehicle or a fleet, having the right financial partner by your side is critical. That s why Mercedes-Benz Finance and *Insurance, is dedicated to providing flexible terms and financing options that are every bit as attractive as your Mercedes-Benz. Powerup your finance solutions with Mercedes-Benz value chain, working in harmony to convoy you to financial success. Mercedes-Benz Financial Services South Africa is 100% owned by Mercedes-Benz South Africa, and thus the Finance and Insurance arm of the group of companies. As an Independant Captive Funding House, Mercedes-Benz Finance is focussed on all the commercial vehicles in the MBSA stable of brands. Not only financing the vehicle but also assist with the finance of additional items on the unit as well as trailers. Mercedes-Benz Finance offers flexibility through Structured payments; Skip payments; and Individually calculated interest rates. Our qualified Business Managers/Area Managers are geared on client satisfaction and commited to offering tailor made mobility solutions. *Mercedes-Benz Finance and Insurance is underwritten by Regent Insurance Company Limited. 3
4 National Credit Act Decision Tree: Who falls inside and outside the Act?
Finance Options 5
CHOICES With a reduced monthly repayment, Choices is an innovative finance plan that makes you the kingpin. Bringing improved cashflow and vehicle replacement cycles together through the luxury of choice. With this unique finance plan, you get to choose an option that suits you best at the end of the agreement period. Product Benefits 1. Lower monthly repayments; 2. Assist with cashflow; 3. Regular vehicle replacement cycles; 4. End-of-Agreement, CHOICES; 5. On balance sheet finance; 6. Finance charges and depreciation are deductable from income tax (subject to customer profile); 7. Increased balance sheet asset value. 6
CHOICES Contract Purchase With your commercial vehicle costing R 1000 000; 1. We obtain a Guaranteed Buy-back value from Mercedes-Benz South Africa s Used truck division (TruckStore), based on your individual application. 2. You have the option to either pay the vehicles VAT upfront as a deposit or Vat back in month 4. (Subject to customer profile) 3. The reduced capital repayment becomes even less, compared to conventional finance. 4. At the end of the term you choose what you want to do with the vehicle, take ownership or replace it. *Capital repayment: R 577 193 (vehicle value less vat payment less buy-back). Interest repayment R1000 000, subject to credit approval. ** Subject to Fear Wear and Tear Guide. These figures are for demonstration purposes only, and does not constitute any actual offer. 7
Instalment Sales Agreement/Finance Lease Traditional financing The Instalment Agreement is the traditional way of financing your vehicle of choice. There are no surprises, only predictable and regular monthly instalments. What you get out of the deal is a finance package where repayments are payable in regular monthly instalments over an agreed period. Product Benefits Ownership (final payment), no end-of-agreement surprises; On balance sheet finance; Finance charges and depreciation are deductible from income tax (subject to customer profile). 8
Instalment Sales Agreement/Finance Lease Traditional financing With your commercial vehicle costing R 1000 000; 1. The repayment value is decreased. 2. This happens through a deposit payment or paying the vat back in month 4. (Subject to customer profile) 3. There is no guaranteed buy-back at the end of the agreement. 4. No outstanding balance, you take full ownership once the last repayment is paid. 9 * Repayment value: vehicle value less vat payment. Subject to credit approval. These figures are for demonstration purposes only, and does not constitute any actual offer.
Operating Lease Value chain offering This rental package is specially designed for the customer who would like to pay for the use of a vehicle, rather than ownership. Legal ownership of the vehicle resides with Mercedes-Benz Financial Services. Product Benefits Capital expense eliminated and improved cash flow; Off balance sheet finance - (confirm with your auditor) VAT claimable and payable monthly (not capitalised up front); Rental fully tax deductable as operating expenses; No vehicle disposal risk; Option to drive a new vehicle more often; Reduced monthly payment. 10
Operating Lease Off balance sheet finance Renting your next commercial vehicle has never been this easy. 1. Identify your desired vehicle and complete a very simple application form 2. Mercedes-Benz Finance will give you the best possible monthly rental, based on your specific application. 3. At the end of the agreement you simply return the vehicle to MBSA TruckStore*. 11 * Subject to credit approval and the Fair Wear and Tear Guide. These figures are for demonstration purposes only, and does not constitute any actual offer.
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CharterWay recognises that procurement accounts for only a fraction of the total operating cost over a vehicle s service life. This is why we specialise in efficient, costeffective mobility solutions. Clearly organised product lines, products and attractive additional services ensure that every individual requirement in the fields of procurement, service and management can be catered for. CharterWay therefore represents a one-stop shop in which commercial vehicles and services are brought together to form cost-effective and efficient mobility solutions. CharterWay Service Products Service BestBasic the service package Service BestBasic covers all the scheduled maintenance activities. All commercial vehicle maintenance tasks called for by the maintenance booklet covered by the fixed monthly payments and can therefore be calculated for the entire duration. Service Complete maintenance and repairs including wear parts Service Complete provides comprehensive cover. This package includes all vehicle components and major assemblies, as well as the replacement, maintenance and repair of all wear and tear parts. Service Leasing - Covers you in the event of theft or total loss of your vehicle after an accident. So you are always on the safe side. The advantages are clear: You get the vehicle you want; The capital required for the procurement of your fleet vehicles and for safeguarding their availability remains manageable; Through ServiceLeasing, you no longer have to worry about any of the associated administrative tasks; Covers you in the event of theft or total loss of your vehicle after an accident. So you are always on the safe side. 13
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FleetBoard offers objective and comparative data from each freight vehicle in the fleet, which provides an overview of the operational performance of individual vehicles, fuel levels and consumption as well as drivers s work profiles, which includes evaluations and gradings. In this regard, the fleet manager gets support to identify causes of high fuel-consumption and to use these figures to reduce costs of the entire fleet. Ensuring optimal flexibility, maintenance and service information can also be called-up easily online. FleetBoard uses state-of-the-art technologies to provide its services. The position of each vehicle can be identified via satellite at any time. Data will be transmitted from and to the vehicle using the latest mobile radio technology. The advantage is that wherever you have a mobile network you will also have a connection to the vehicle High performance computers in the European Data Centre of Daimler/Mercedes-Benz in Stuttgart assure the secure and accurate processing of data. The data is password protected to the dispatcher via the Internet. In his vehicle the driver is supported by easy to handle technology and convenient navigation. The specially developed vehicle devices can be updated by a remote update via the mobile network, without the vehicle having to be taken to the garage. Uptime allows for a 24-hrs monitoring of control units for preventative maintenance benefits, and quicker problem identification FleetBoard now with Stolen Vehicle Recovery In conjunction with Tracker and C-Track, FleetBoard provides an integrated Stolen Vehicle Recovery service. Available to Mercedes-Benz Truck, Bus and Van as well as Freightliner operators, this service reduces risk to your vehicle and its valuable freight; to give you added peace of mind. FleetBoard Logistics Management- On-line dispatching with real time monitoring Integral to Mercedes-Benz Commercial Vehicles FleetBoard, our Logistic Management package makes a tangible improvement to your day-to-day operation. Our DispoPilot order management device allows for digital signatures, barcode scanning, and navigation. Among many benefits are direct online dispatching and real time monitoring of your delivery status, contributing to fewer unloaded tours for vehicle and driver. FleetBoard Professional Training Driver Training for Mercedes-Benz SA Commercial Vehicles. FleetBoard Professional Training provides a number of specialized quality courses that enhance driver skills, foster personal growth and contribute to safer road environment. Courses include Vehicle Familiarisation, Economic and Defensive Driving, Advanced Driver Training, Safety Driver Training, Train the Trainer, and Fleet Consulting. Training courses are available for all vehicle categories and brands in the Mercedes-Benz Commercial Vehicles family. 15
Services for your vehicles. The basis for an excellent partnership. At Mercedes-Benz you are unlikely to experience delays when it comes to repair work. It's a good idea to have extensive maintenance and repair work carried out when your vehicle is not in operation. This reduces your vehicle downtime and adds flexibility to your planning. We are there for you longer forming a strong basis for a successful partnership. Providing for the future of your Mercedes-Benz Mercedes-Benz Genuine Parts. With Mercedes-Benz GenuineParts you benefit from more than one hundred years' experience in vehicle and parts construction. Thanks to their exceptional quality, approved safety and outstanding reliability, these parts are a compelling proposition. What is more, the extreme durability and outstanding price/performance ratio of our GenuineParts is particularly cost-effective. Mercedes-Benz Genuine Remanufactured Parts. Even when a Mercedes-Benz starts to age, the high quality of most of its constituent parts remains unchanged. That s why we re happy to take back your broken part. As a customer, you will receive a credit note to the value of your returned used part on your invoice for a certified Mercedes-Benz Remanufactured Genuine Part. Every used part that we can remanufacture saves on production costs for a new part. We pass on this saving of up to 30% directly to you. Genuine engine oil from Mercedes-Benz. Who knows best what properties the perfect oil for our cars should have? Our scientists and engineers, who, with their innovative energy, expertise and many years of experience, also built our engines. They have developed the special lubricant for your vehicle: genuine engine oil from Mercedes-Benz. In an aftermarket with so many options for parts suppliers, how can you know which supplier is right for you? The right supplier is one who goes to extraordinary lengths to meet your needs consistently and with the highest level of professionalism. Parts Professional is a Mercedes-Benz After-Sales initiative that has been launched to make even better the sales service you receive from your local dealer. It builds the strength of your dealer: By enhancing your understanding of the inherent Value of Mercedes-Benz GenuineParts available throughout the dealer network. With improved customer experience through heightened and consistent professionalism at all times across all participating Mercedes-Benz Parts Professional dealers. Through sales service that innovates and leads the aftermarket to meet and exceed your expectations. By providing additional value-add offerings that support your operations through shortened lead times, improved convenience and sustainable relationships with your supporting Mercedes-Benz dealership. 17
Dealer Contact details Mercedes-Benz Financial Services South Africa (Pty) Ltd. Wierda Road, Zwartkop, Centurion P.O. Box 10829, Centurion, 0046 Disclaimer Mercedes-Benz Financial Services is an Authorised Financial Services Provider in terms of the FAIS Act, no. 37 of 2002. Licence no. 18 604. Mercedes-Benz Financial Services is an Authorised Credit Provider in terms of the National Credit Act, no. 34 of 2005. Licence no. NCRCP80. *Underwritten by Regent Insurance Company Limited (FSB 25 511), administered by Libra Brokers (Licence No. 9131) MA50010000010001