PROTECT YOUR INVESTMENT WITH ŠKODA CHOICE

PROTECT YOUR INVESTMENT WITH ŠKODA CHOICE Enjoy the peace of mind of knowing the minimum value you can receive for your vehicle at the end of your contracted term #. You have taken the time to select the ŠKODA that best reflects your lifestyle and we know your ŠKODA represents a valuable investment. Now imagine having the security of knowing your vehicle s minimum future value is guaranteed at the time of purchase by ŠKODA Financial Services #. ŠKODA Choice is a finance program tailored to meet the requirements of ŠKODA owners by providing protection around your ŠKODA future value #, whilst offering simple monthly instalment financing option. For more information about ŠKODA Choice speak with your local participating ŠKODA dealer. 1

PROTECT YOUR INVESTMENT 2

With ŠKODA Choice guaranteeing the future value of your ŠKODA #, you are in a great position to upgrade to the latest model, more often, at the end of your ŠKODA Choice term. You can also use positive equity towards your new vehicle purchase and be protected from negative equity, with our convenient trade-in option. The program also gives you the ability to return your vehicle to ŠKODA Financial Services at the end of the term and requires ŠKODA Financial Services to purchase the vehicle at a value (known as the Guaranteed Future Value) #, determined by ŠKODA Financial Services and as set out in your contract. Whether you are selecting your new ŠKODA for business or personal use, you can choose the contract term that best suits your requirements. Enjoy the protection that comes from having locked in a value up front to be attributed to your vehicle at the end of your contract #. There are also no account keeping fees and with a fixed interest rate, and the benefit of the Guaranteed Future Value, this means you can budget for future finance payments with greater assurance. At the end of your term, you can simply choose to: Select your preferred ŠKODA At the end of your chosen term Retain Make an offer to purchase/refinance the vehicle Trade-in Your existing vehicle and purchase a new ŠKODA under the ŠKODA Choice program All based on the customer s choice Return Hand the vehicle back and receive the Guaranteed Future Value # Conditions apply so please speak to a ŠKODA Financial Services Business Manager for more information. 3

THE BENEFITS OF GUARANTEEING YOUR FUTURE VALUE Peace of mind motoring; Greater assurance, with a finance solution designed for the needs of approved ŠKODA customers. Protect your investment with ŠKODA s future value; We can help to protect the value of your vehicle by setting the value that you can receive for your ŠKODA from ŠKODA Financial Services at the end of your chosen contract #. A choice of options at the end of your ŠKODA Financial Services contract; Your ŠKODA Choice package allows you to trade-in, refinance/retain or return your vehicle. A personally tailored solution; The Guaranteed Future Value is designed to suit your needs based on the term you require for your contract and your proposed usage of your vehicle. There are a number of options you can choose from. Upgrade to the latest ŠKODA model more often; Guaranteeing the future value of your ŠKODA puts you in a great position to upgrade to a new ŠKODA at the end of your contract term. 4 Conditions apply so please speak to a ŠKODA Financial Services Business Manager for more information.

PERSONALLY TAILORED Any additional factory fitted options are also eligible for inclusion under the program. 6

The Guaranteed Future Value of your ŠKODA is established at the beginning of the contract term, depending on the model and specifications of your ŠKODA and the options you choose. You ll be protecting your investment in advance exactly at the minimum value you can receive for your vehicle at the end of the term of your contract #. MAINTAINING YOUR VEHICLE Your new ŠKODA is an investment, so we understand that you would prefer to keep it maintained in premium condition. To ensure the integrity of the program, your ŠKODA must be in an acceptable condition when you return it to us and must not exceed the kilometre limit. Of course, we also understand that some reasonable wear and tear is only to be expected, but it needs to remain within the provisions set by your ŠKODA Financial Services contract. Where the vehicle is not in acceptable condition, the Guaranteed Future Value of your vehicle will be reduced. A kilometre limit will also be nominated under the contract, exceeding this limit will also reduce the Guaranteed Future Value. However, this won t affect your ability to choose whether you trade-in, retain (or refinance) or return your ŠKODA. Conditions apply so please speak to a ŠKODA Financial Services Business Manager for more information. 7

ELIGIBLE ŠKODA MODELS ŠKODA Choice is available on the following ŠKODA Vehicles. Models are current as at May 2015. Please verify with your participating ŠKODA dealer the models eligible for the program. Fabia Range Octavia and Octavia RS Range Rapid Spaceback Octavia Scout 4x4 Yeti Range Superb Range 11

FLEXIBLE FINANCE FROM THE ŠKODA SPECIALISTS Choosing a new car is a very personal thing, and we think car finance should be just as personal. At ŠKODA Financial Services we are here to help you tailor a finance option for your budget, lifestyle and new vehicle. Because no one understands ŠKODA like we do. Greater convenience + + Complete flexibility Swift and seamless approvals We know your time is valuable, so enjoy the convenience of applying for finance on the spot at your ŠKODA dealership. Enjoy a flexible range of finance options, whether your new ŠKODA is for business or pleasure. Because we know ŠKODA inside out, we can approve applications faster often on the same day. Superior value + + Personalised solutions The ŠKODA standard With no account keeping fees and competitive rates, you ll be surprised how affordable car finance can be. From Chattel Mortgages to Consumer Loans, we ll help you explore the options and tailor a finance solution just for you. You can be certain of superb value and reliability with a finance solution worthy of your new ŠKODA. 12

PROTECT YOUR FUTURE With the minimum future value for your ŠKODA #, you can be confident about your future commitments, while enjoying an attractive monthly instalment today. To learn more about this tailored program, please visit your ŠKODA Dealer and speak to a ŠKODA Financial Services Business Manager Visit www.skoda.com.au or www.skodafinancialservices.com.au for more details. Conditions apply so please speak to a ŠKODA Financial Services Business Manager for more information. 15

CONDITIONS The ŠKODA Choice program consists of an option that requires ŠKODA Financial Services to purchase your vehicle at the end of your ŠKODA Financial Services Chattel Mortgage, Consumer Loan or Hire-Purchase for a value (known as the Guaranteed Future Value) determined by ŠKODA Financial Services and set out in your contract. The Guaranteed Future Value is not a representation by ŠKODA Financial Services as to the likely market value of your vehicle as at the end of your contract. The option is available on all new and demonstrator ŠKODA Vehicles. Please verify with your dealership vehicles that are eligible for the program. If vehicles are not returned in an acceptable condition, as defined in the terms and conditions or exceed kilometre restrictions the Guaranteed Future Value will be reduced. The cost of the program is incorporated into the interest rate on your loan or your rental. This is a summary only. Please read the full terms and conditions. Please consider whether these products and services are appropriate for your circumstances. Before acting on any of the information in this brochure, please seek independent financial and tax advice. Full terms and conditions are available upon application. Available only to approved applicants of ŠKODA Financial Services. Subject to credit assessment. Fees and charges apply. Fleet, government, rental buyers, hire car and chauffeur companies are excluded. ŠKODA Financial Services is a trading name of Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460. Australian Credit Licence 389344. # See the Maintaining your Vehicle section in the Customer brochure for information on the circumstances in which the Guaranteed Future Value will be reduced. Visit www.skoda.com.au or www.skodafinancialservices.com.au

Volkswagen Financial Services Australia Pty Limited ABN 20 097 071 460 Australian Credit Licence 389344 www.skodafinancialservices.com.au Current at time of printing 1 May 2015. Product code: SKC Customer Brochure