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Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd, ABN 24 096 796 100, a Smart^TM company.

* Price is based on the following assumptions: (1) living in NSW 2000, (2) salary: $100,000 gross p.a., (3) travelling 15,000 kms p.a., (4) lease term: 5-years, and (5) salary sacrifice using Employee Contribution Method (ECM) and FBT Exempt Method for Electric Car Discount eligible EVs. Images shown may not be the exact car that the calculations have been based on. All figures quoted include budgets for finance, charging and/or fuel, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance, Hydro Platinum Pack and re-registration over the period of the lease. Vehicle residual, as set by Australian Taxation Office, is payable at the end of lease term. The exact residual amount will be specified in your vehicle quote. Figures are accurate as of October 2025 and may be subject to change.

** Special 1.99% p.a. comparison rate offer valid only for new or demonstrator BMW iX1 eDrive20 and BMW iX2 eDrive20 vehicles, special 2.99% p.a. comparison rate offer valid only for new or demonstrator BMW iX1 xDrive30, BMW iX2 xDrive30, i4 eDrive35 (Promotion). Special comparison rates apply only to vehicles purchased through a Smart novated lease between 1 October 2025 and 31 December 2025 (Promotional Period) and delivered by 31 December 2025. Vehicle finance must be procured by Smart and provided by BMW Australia Finance Pty Ltd (ACN 007 101 715) (BMW Finance) with a lease term of 24 to 48 months. Vehicle finance application must be submitted, approved and settled during the Promotional Period. Conditions and eligibility criteria apply for vehicle finance. The comparison rate offered in this Promotion is a limited-time discounted rate offered by BMW Finance to Smartsalary and Autopia customers which is specific to this Promotion and does not reflect the general novated lease customer effective interest rate of Smart or its related bodies corporate.  The comparison rate offered in this Promotion does not apply to any extensions or refinances. Different terms, fees or other loan amounts might result in a different comparison rate. Smartsalary, Autopia and BMW Finance reserve the right to change or withdraw this Promotion at any time. Offer not available in conjunction with any other offers.

^ Fringe Benefits Tax (FBT) exemption available for eligible electric or hydrogen cell vehicles purchased through a novated lease up to the Luxury Car Tax limit ($91,387 in FY 2025-26). Plug-in Hybrid Electric Vehicles with leases commencing from 1 April 2025 are not eligible for this exemption.