Insurance Products:

The dealership ("we") can only introduce you to the insurance products listed below. They are each provided by a single provider. We do not undertake a 'whole of market' analysis of these products and we will introduce you to these products on a non-advised sale basis. This means, we are not acting on your behalf and we are not providing you with any advice, recommendations or undivided loyalty. The OPTIONAL insurance products available are:-

• Alloy Wheel and Cosmetic Repair Insurance - provided by American International Group UK Limited and administered by GardX Assure Limited (*See Note)

• Cosmetic Repair Insurance - provided by American International Group UK Limited and administered by GardX Assure Limited (**See Note)

• Extended Warranty (***See Note)

• Short Term/Annual Motor Insurance (***See Note)

*This Insurance product is only available in Audi, Alpina, BMW, Chery, Jaguar, Land Rover, Mercedes-Benz, MINI, SEAT, Syner Select, smart, Skoda, Volvo and VW.

**This Insurance product is only available in Aston Martin, Bentley, Bugatti, Ferrari, Maserati, McLaren, Lamborghini, Pagani, Porsche and Rolls-Royce.

***Not all of the manufacturer partners we work with provide the above. Should you require further details, including provider information, this is available upon request.

Where an Insurance Product is available, we will provide you with information and complete an insurance suitability assessment on the basis of information provided by you (the customer). This is referred to as the Demands and Needs Questionnaire and Statement. It is designed to help you make an informed decision about the insurance products available and whether it is suitable and/or meets your needs or requirements.

Fees and Commission Arrangements (Insurance Products)

In the event you purchase an Insurance Product, we will receive a commission from the Insurer which will either be a percentage of the total premium paid or a fixed fee amount. For Alloy Wheel and Cosmetic Repair Insurance, the commission we are paid is a fixed amount which is calculated as a % of the premium you pay.

Where a Short term motor insurance is available (e.g. "Drive Away Motor Insurance" - we will provide details for you to contact the provider only. You should discuss your needs and eligibility for this product directly with them. We may receive a commission for this introduction. In the event you purchase an extended cover or an annual policy direct from them, they may also pay us a commission (either a flat fee or a percentage of the annual insurance premium).

Finance Products

We are a credit broker and not a lender. We are not an independent financial advisor and we act in our own interests in respect of arranging finance. We do not act on your behalf. In legal terms, this means we provide neither disinterested advice nor undivided loyalty. We are not your agent nor your fiduciary.

We do not source the whole market and can only provide you with limited options when introducing you to the lenders we work with (details can be provided upon request). No advice or recommendations will be made and you must decide whether the finance product you choose is right for you.

With the exception of Chery New, Mercedes-Benz New, MINI New (and some Young Used MINI), Volvo New and smart New Cars (see below), we operate with two lenders, a preferred lender and a secondary lender, both of whom we have a pre-existing relationship with. Once we determine that our preferred lender can provide suitable products to assist you with your vehicle purchase, we will introduce you to that lender. If that lender refuses to grant credit, then we can propose it to our second provider. In the event both lenders choose not to provide credit, we will refer you to a broker with whom we have a pre-existing relationship with to attempt to source credit for you. Note however, the available terms from this broker may well be inferior to the two lenders we initially introduced you to.

New Cars: Chery

Due to the preferential terms available to customers (subsidised by Chery), we will first introduce you to BNP Paribas (the lender) as they are the preferred lender chosen by Chery. If BNP Paribas are not able to make you an offer of finance then we will introduce you to another lender / broker to try to secure an offer of finance for you.

New Cars: Mercedes-Benz

We can only introduce you to Mercedes-Benz Financial Services (MBFS) as they are the sole finance provider chosen by Mercedes-Benz Cars (MBC). In the event MBFS choose not to provide credit, we (the dealership) are not able to introduce you to another lender (this is the policy set by MBC). In this event, please discuss your vehicle purchasing options with a member of the sales team within the dealership or directly with MBFS (the lender).

New (and some Young Used) Cars: MINI

We can only introduce you to one lender, which is BMW Financial Services (GB) Limited, trading as MINI Financial Services (MINI FS). When you enter into a finance agreement with MINI FS, we will sell the vehicle on behalf of BMW (UK) Limited (trading as MINI UK) to the lender. If MINI FS is unable to make you an offer of finance, we (the dealership) are not able to introduce you to another lender (this is the policy set by BMW (UK)). In this event, please discuss your vehicle purchasing options with a member of the sales team within the dealership or directly with MINI FS (the lender).

New Cars: Volvo

We can only introduce you to Volvo Cars Financial Services UK (VCFSUK) as they are the sole finance provider chosen by Volvo new cars. We do not receive a commission from VCFSUK. In the event VCFSUK choose not to provide credit for your new car purchase, we (the dealership) are not able to introduce you to another lender. In this event, please discuss your vehicle purchasing options with a member of the sales team within the dealership or directly with VCFSUK (the lender).

New Cars: smart

We can only introduce you to Santander Consumer (UK) (SCUK) as they are the sole finance provider chosen by smart UK Automotive Ltd. In the event SCUK choose not to provide credit, we (the dealership) are not able to introduce you to another lender (this is the policy set by smart UK Automotive Ltd). In this event, please discuss your vehicle purchasing options with a member of the sales team within the dealership or directly with SCUK (the lender).

Fees and Commission Arrangements (finance products)

We do not charge you a fee for an introduction to the lender but we will receive a commission from the lenders we work with (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with pay commission at different rates. Some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing.

We will provide you with details of any commission before you enter into the agreement and ask you to consent to its payment. If you are not happy with the commission amount or structure you can choose not to consent and not to proceed with the transaction. The commission paid to us is included within the cost of your finance. These arrangements are negotiated with the lender in advance and we are unable to alter the interest rate (or any other item included in the total charge for credit).

Credit Searches

By providing us with your credit details, you will be giving us authority to submit a credit application on your behalf to our credit providers, who will record a search on your credit file. We will only pass your details onto a subsequent credit provider if the initial application to the first credit provider is not successful. In this event, we will use a maximum of four credit providers and therefore, no more than four credit searches will be registered.

Contact Details / Complaints

If you wish to contact us or register a complaint, you can contact us via the following methods:

In writing: Customer Service Manager, Sytner Group Limited, 2 Penman Way, Leicester, LE19 1ST.

By email: sytnerfinance@sytner.co.uk (For non Finance commission related complaints / queries only)

By webform: https://www.sytner.co.uk/customer-service (For finance commission, please use the relevant commission enquiry form)

By phone: 0116 282 1000

For Finance commission related queries, please submit via the "Make an Enquiry" via: https://www.sytner.co.uk/customer-service

If for any reason you are not entirely satisfied regarding your finance agreement related to your transaction, please let us know straight away. Our dedicated team will investigate your concerns. Please be aware that due to the complexity of these complaints they can take longer to investigate and resolve than other complaints.

We will endeavour to resolve your finance agreement related complaint as quickly as possible, if however you are not satisfied with our Final Response, or it has been more than eight weeks since we received your complaint, you may be able to refer your complaint to the Financial Ombudsman Service. Details about how to contact the Financial Ombudsman Service can be found here www.financial-ombudsman.org.uk or by telephoning 0845 080 1800.

Where your complaint relates to motor finance commission, under the revised rules issued by the Financial Conduct Authority (FCA) on the 19th December 2024, the usual 8 week response time has been paused until 04th December 2025, meaning we will provide you with our final response by no later than 29th January 2026. Further information can be found about our regulated complaint process here: www.sytner.co.uk/customer-service/financial-services-complaints-procedure. You can also find out more information about car finance commission complaints on the FCA website here: https://www.fca.org.uk/carfinance

Financial Services Compensation Scheme (FSCS) - Insurance Products

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations.

This depends on the type of business and the circumstances of the claim. General Insurance advising and arranging is covered for 90% of the claim with no upper limit. Compulsory forms of insurance (e.g. Motor Insurance) are covered for 100% of the claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS. Please note - finance products are not covered by this scheme.

Please note - finance products are not covered by this scheme.