$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$3500 Cash Incentive. Customer may receive Diesel/Hybrid Credit towards Lease, OwnersChoice, Retail Finance or Select contract through BMW Financial Services. Vehicle Must Have A Diesel Engine or be A Hybrid to Receive This Credit

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household

$1000 Cash Incentive. Current College Graduates (within the last 12 months) or those about to Graduate (within the next 4 months) may receive the following toward new vehicle contracts: - $1000 towards the Lease or Finance of a 2013-2014 BMW - Super Elite rate for all Standard Plus customers and up. - $45,000 advance cap removed – now based on FICO and ability to pay. - Security Deposit Waiver unless stipulated by credit. Program Criteria: - Graduation from an accredited college or university with an undergraduate or graduate degree earned within previous 12 months OR eligibility for graduation within next 4 months with a verifiable offer of employment. - A copy of the graduate’s diploma or official transcript. - POI or employer letter with contact information stating position/title and income. - At least 24 months of credit file – no previous derogatory credit on any trades. - Gross debt to income ratio of less than 45%. - Gross automotive payment to income ratio of less than 25%.

$750 Cash Incentive. Current or Former BMW Car/SAV customers may receive $750 Lease/APR loyalty cash towards Lease, PrePay Lease, OwnersChoice, Retail Finance, or Select Finance contracts on 2012-2013 BMW Models. Lease/APR Loyalty Cash may be locked. Requirements: - Prior BMW contract must have terminated within 12 months of credit submission - Customer must provide proof of ownership - OK to transfer to members of household