BMW NO-FEE REWARDS

Your BMW Platinum Visa Card is the only card that offers you the opportunity to earn exclusive rewards toward BMW services and merchandise with every purchase.

HOW IT WORKS:
Earn BMW Reward Points by using your BMW Platinum Visa Card for purchases. Earn one point for every two dollars you spend with your BMW Platinum Visa Card. No point cap. Earn double points for gasoline purchases. Redeem your points for the rewards of your choicefrom car maintenance services and lease and loan rewards, to BMW Lifestyle merchandise.

REWARDS ON BMW FINANCIAL SERVICES LEASES OR LOANS

Redeem your points for up to $5,000 back on a BMW Financial Services lease or loan. Redeem 10,000 BMW Reward Points for a $100 lease or loan certificate from BMW Financial Services. Call 1-877-497-8878 to redeem your points.

BMW NO-FEE REWARDS

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SECTION 1

SECTION 1 BMW NO-FEE REWARDS

ADDITIONAL LEASE MILES

Get 1,000 free additional lease miles for 20,000 BMW Reward Points. Well automatically deduct the points from your account and credit your contract with the additional miles. Call 1-877-497-8878 to redeem your points.

BMW CENTER DIVIDENDSSM

Redeem your BMW Center DividendsSM to use for service and maintenance at your BMW Center. Or cash in your Dividends for car accessories to spruce up your BMW. Remember to first select the BMW Center you prefer. Then call 1-877-497-8878 to receive a check to use at your BMW Center.

FREE ADDITIONAL LEASE MILES REWARDS 1,000 MILES 2,000 MILES 3,000 MILES 5,000 MILES POINTS NEEDED 20,000 POINTS 40,000 POINTS 60,000 POINTS 100,000 POINTS

BMW CENTER DIVIDENDSSM REWARDS $100 CHECK $200 CHECK $300 CHECK POINTS NEEDED 10,000 POINTS 20,000 POINTS 30,000 POINTS

EXCESS WEAR AND USE

Redeem your BMW Reward Points to pay for excess wear and use charges on your BMW Financial Services lease. Points are automatically deducted from your account and a credit is applied to any wear and use charges. Call 1-877-497-8878 to redeem your points

BMW LIFESTYLE MERCHANDISE

Redeem your BMW Rewards Points for exclusive BMW apparel, accessories, and gifts. Receive a $100 BMW merchandise certificate when you redeem 10,000 points. Receive a $200 BMW merchandise certificate when you redeem 20,000 points. Earn and redeem as many certificates as youd like. Order from our catalog or online, then send voucher as your payment. Call 1-877-497-8878 to redeem your points.

EXCESS WEAR AND USE REWARDS $100 $150 $200 POINTS NEEDED 10,000 POINTS 15,000 POINTS 20,000 POINTS

BMW NO-FEE REWARDS

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BMW PLATINUM BENEFITS

Because your BMW Platinum Visa Card is driven to provide superior safety and convenience, it comes standard with Visas most comprehensive benefits, reserved for Platinum cardholders.

24-HOUR CUSTOMER ASSISTANCE

Wherever you are in the world, you can reach us, 24 hours a day, for answers to: Travel or emergency questions about your card More information about your benefits Call 1-888-BMW-CARD (U.S.) or 410-581-9994 (collect outside the U.S.)

AUTO RENTAL INSURANCE

Your card provides insurance coverage for theft or damage up to the value of most rental cars, when the following conditions are met: The entire rental transaction must be completed using your BMW card. You must decline the car rental companys Collision Damage Waiver option or similar provision. Coverage is for rentals that do not exceed 15 consecutive days within the U.S., and that do not exceed 31 consecutive days outside the U.S.

To file a claim: Contact 1-888-BMW-CARD to file a claim. You must report the accident immediately. Most states require you to file no later than 20 days from the date of loss. This coverage is secondary to your primary automobile insurance policy and provides coverage on an excess basis. This insurance does not provide liability protection.

BMW PLATINUM BENEFITS

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SECTION 2

SECTION 2 BMW PLATINUM BENEFITS

 Emergency ticket replacement service offers assistance with the carriers ticket reimbursement procedures and delivery of new tickets.

EMERGENCY CASH AND CARD REPLACEMENT

Call 1-888-BMW-CARD to report a lost or stolen card. Replacement card and/or emergency cash is delivered to you within 24 hours.

Emergency transportation arranges for emergency transportation assistance under medical supervision. Prescription assistance provides help with unanticipated prescription needs. Document Delivery arranges delivery of important documents that may have been left at home or elsewhere. Emergency translation service assists you via telephone in all major languages and can help you find local interpreters, if available.

TRAVEL AND EMERGENCY ASSISTANCE*

Call 1-888-BMW-CARD to access to a host of travel and emergency referral services, including: Medical referral assistance provides referrals for medical care, monitoring, and follow-up. Legal referral assistance connects you with English-speaking attorneys, U.S. embassies, and consulates. Or access bail bond assistance, cash advances, and follow-up assistance. Trip planning assistance provides information concerning health precautions, weather, currency exchange rates, visas, and immunizations. Emergency message relay service is available 24 hours a day, toll-free to relay emergency messages when you are traveling.

*Please note: Travel and emergency assistance is provided free of charge as a referral service only. All associated costs are your responsibility.

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BMW PLATINUM BENEFITS

Up to $3,000 lost luggage assistance makes arrangements for shipment of replacement items if an airline or common carrier loses your checked luggage.

Your BMW card protects you every time you make a purchase, with: Warranty registration that gives you key information about warranty coverage. Just send us a copy of your sales receipts and warranty information. Extended warranty protection and service agreements. Allows you to double your free repair period under the original manufacturers written repair warranty up to one additional year. Call 1-888-BMW-CARD within 60 days of product failure to file a claim.

Call us toll-free 24 hours a day, at 1-888-BMW-CARD for assistance from one of 7 ,500 towing service operators and 2,000 locksmiths in the U.S. and Canada. Covers: A broken-down car A flat tire Keys locked in your car A dead battery or when you run out of gas Towing Non-emergency trip routing is also available for a small fee

TRAVEL ACCIDENT INSURANCE

To file a claim, call us at 1-888-BMW-CARD. Entitles you to $250,000 in travel accident insurance when you purchase travel tickets with your card. This accidental death and dismemberment coverage applies to common carrier transportation including airline, rail, bus, cruise line, etc.

YEAR-END SUMMARY STATEMENT

Call 1-888-BMW-CARD for information about your year-end summary. Provides an outline of monthly transaction totals in categories such as travel and restaurants. Receive a detailed transaction record that chronologically lists each of your BMW card transactions made during the previous year. Track all of your transactions conveniently in one statement.

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BMW PLATINUM BENEFITS

WARRANTY MANAGER

ROADSIDE ASSISTANCE

BMW PERFORMANCE PLUS REWARDS

SECTION 3

SECTION 3 PERFORMANCE PLUS REWARDS

Weve precision-tuned this exceptional credit card to provide Performance Plus Rewards that go beyond the ordinary. Earn one point for every dollar you spend with your BMW Platinum Visa Card. Earn valuable travel, merchandise, and spa rewards with a low $50 annual membership fee. If you arent already signed up, call 1-888-BMW-CARD.

AIR TRAVEL
Call 1-877-497-8878 to redeem your BMW Rewards Points for round-trip air travel. No blackout dates, so you can fly anytime.

AIR TRAVEL U.S. (within the 48 contiguous states) Coach Class 25,000 Rewards Points

MEXICO, CARIBBEAN, OR CANADA

From the U.S. (48 contiguous states)

Coach Class

35,000 Rewards Points

HAWAII OR ALASKA
From the U.S. (48 contiguous states)

Coach Class

40,000 Rewards Points

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BMW PERFORMANCE PLUS REWARDS

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HYATT HOTEL & RESORTS WYNDHAM HOTELS & RESORTS

Call toll-free 1-877-497-8878 to redeem your points. Redeem 10,000** BMW Rewards Points for a $100 certificate good at Hyatt Hotels and Resorts or Wyndham Hotels & Resorts.

RITZ-CARLTON ROYAL PRESTIGE CLUB & RITZ-CARLTON CASH

Redeem 35,000 BMW Rewards Points for: One night at any of 33 Ritz-Carlton locations worldwide for you and a guest. Breakfast for two Access to the Ritz-Carlton Club Concierge service Five daily complimentary food and beverage presentations Call toll-free 1-877-497-8878 to redeem your points.

MARRIOTT REWARDS AND MARRIOTT CASH

Call toll-free 1-877-497-8878 to redeem your points. Redeem 10,000** BMW Rewards Points for $100 in Marriott Cash. Same as cash, good at any Marriott location. Redeem 50,000 BMW Rewards Points for a 3-night stay at a Marriott Gold Villa. Choose from ten resort locations such as Orlando, Florida, and Palm Desert, California. Includes two-bedroom, two-bath villa accommodating up to six people, with gourmet kitchen, washer/dryer, and whirlpool tub. Redeem 50,000 BMW Rewards Points for a 2-night stay at your choice of more than 70 Marriott or Courtyard locations in Europe and the Middle East. Includes hotels, resorts, and suites in the United Kingdom, Germany, Greece, Israel, Italy, or Saudi Arabia. Breakfast each morning also included.

Redeem 10,000** BMW Rewards Points for $100 in Ritz-Carlton Cash. Same as cash, good at any RitzCarlton location. REWARDS $100 $200 $350 $400 $500 POINTS NEEDED 10,000 20,000 35,000 40,000 50,000

**Maximum redemption 50,000 points.

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BMW PERFORMANCE PLUS REWARDS

 Call 1-877-497-8878 to turn BMW Rewards Points into certificates to use the same as cash at a selection of renowned retailers. Redeem a minimum of 20,000 points for a $200 certificate. Add increments of 10,000 points for each additional $100. PARTICIPATING RETAILERS: Bed Bath & Beyond Bergdorf Goodman Bloomingdales Brooks Brothers Cartier Coach Crate & Barrel Eddie Bauer FAO Schwartz Hammacher Schlemmer Jos. A. Banks Macys Marshall Fields Mortons of Chicago Neiman Marcus Nordstrom Pottery Barn Saks Fifth Avenue Sharper Image Sports Authority Tourneau Toys R Us Williams-Sonoma

Were available 24 hours a day to answer questions about your card benefits and services. And if you havent already enrolled in the Performance Plus Rewards program, call us today and make your BMW experience even more rewarding. BMW CARD PHONE DIRECTORY BMW Card Activation BMW Reward Points Redemption BMW Rewards Package Enrollment 1-800-562-1337

1-877-497-8878

1-888-BMW-CARD

24-hour customer assistance Billing questions or problems Emergency cash/card replacement Auto rental insurance Report a lost or stolen card Medical referral assistance Legal referral assistance Lost luggage assistance Emergency ticket replacement Emergency transportation assistance Trip planning assistance Emergency message relay service

SPA FINDER DAY SPA GIFT CERTIFICATES

Redeem 25,000 BMW Rewards Points for a $250 Spa Finder Day Spa Certificate. Good at any luxury spa within Spa Finders nationwide network. To find spas near you, call 1-800-SPAS or visit www.spafinder.com. Call 1-877-497-8878 to redeem your points.

Prescription assistance Document delivery assistance Warranty registration Extended warranty protection Travel accident insurance Roadside assistance Year-end summary statement For any of the above services, call toll-free: 1-888-BMW-CARD. Outside the U.S., call collect 410-581-9994. 19

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BMW PERFORMANCE PLUS REWARDS

MERCHANDISE REWARDS

YOURE ALWAYS WELCOME