FINANCE VS LEASE

<div class="text-content-container content"> <div style="text-align: center;"><br></div> <div>Leasing offers affordable payments with shorter terms</div> <ul style="list-style: disc; padding-left: 30px;"> <li>Consider vehicles with more options</li> <li>Choose your desired trade cycle</li> <li>Have peace of mind since most terms are within the warranty period</li> </ul> <div><font face="DDC Heading Font Face" size="3"><br></font></div> <div><b><font size="5">You have options at the end of your lease</font></b></div> <ul style="list-style: disc; padding-left: 30px;"> <div><b>If the vehicle is worth less than the residual value:</b></div> <li>Exercise your purchase option and keep it</li> <li>Exercise your purchase option and apply the equity to the next vehicle</li> <div><b>If the vehicle is worth less than the residual value:</b></div> <li>Drop off the keys and walk away (subject to any excess kilometers or wear-and-tear charges)</li> </ul> </div>

<div class="text-content-container content"> <div style="text-align: center;"><br></div> <div>Conventional loans typically require longer terms to achieve affordable payments</div> <div>This keeps you…</div> <ul style="list-style: disc; padding-left: 30px;"> <li>From trading into a new vehicle sooner</li> <li>Driving the same vehicle longer even when you are ready to trade</li> </ul> <div><font face="DDC Heading Font Face" size="3"><br></font></div> <div><b><font size="5">Conventional loans have obligations when you trade</font></b></div> <ul style="list-style: disc; padding-left: 30px;"> <li>The owner must find a buyer</li> <li>The owner assumes all of the risks for unexpected depreciation</li> <li>The vehicle's condition, mileage, and wear and tear will be a factor in assessing the total value of the vehicle</li> <li>The owner must satisfy the loan balance regardless of the vehicle value</li> </ul> </div>