INFINITI FINANCIAL SERVICES

13-8-0254

EMPLOYEE VPP SPECIAL RETAIL RATES

For NNA/NMAC/NTCNA/NDA Employees
Effective with CONTRACTS dated Aug 1 Sept 3, 2013

Employees of Nissan North America, its affiliates, and their families are entitled to the following discounted rate options through IFS: Option 1:
Auto Finance Bureau Score Eligible Vehicles: New 2012 through current model year Infiniti only Advance: Vehicle Maximum Advance: Total LTV Maximum Loan Terms 740+ 739720 719700 699680 679660 659640 639620 619600 <600

TR 1

TR 2
2.59% 3.34% 3.84%

TR 3
2.89% 3.64% 4.14%

TR 4
3.59% 4.09% 4.59%

TR 5
4.19% 4.94% N/A

TR 6
5.89% 6.64% N/A

TR 7
7.79% 8.79% N/A

TR 8
10.19% 11.19% N/A

TR 9
13.44% 14.44% N/A

12-63 64-72 73-75

All All

2.24% 2.69% 3.19%

135% N/A

125%

115% 125%

Flat Fees:

Flat fees will be paid as follows based on the amount financed. Amount financed of $15,000 or less: $150; Amount financed of $15,001 - $30,000: $200; Amount financed of $30,000 and more: $250. Mark-up is not allowed on this program. The contract APR can not exceed your states maximum customer rate.

Customer Maximum Rate:

Tier is determined by the Auto Finance Bureau Score obtained by IFS. See bulletin 13-8-2002v2 for credit bureau report by state.
DISCOUNTS & PREMIUMS: ALL RETAIL Equity Advantage *Vehicle Advance < 100% *Vehicle Advance < 90% *Vehicle Advance > 116% *Vehicle Advance > 125%
MAXIMUM TERM All All All

TIER 1 TIER 2 TIER 3 TIER 4 TIER 5 TIER 6 TIER 7 TIER 8 TIER 9

740+ 739-720 719-700 699680 679660 659640 639620 619600 <600

-25 bps -50 bps -25 bps +25 bps +45 bps +50 bps +95 bps

Loyalty Renewal Discount High Advance Premiums

*Vehicle advance includes Tax, Title, and License.

Option 2:
Special APR Programs: Published Special APR Rates for the approved tier minus 0.50%. For example: If the published Special APR is 2.90%, the special APR for this program would be 2.40% (2.90% - 0.50% = 2.40%) Note: The contract APR must be equal to or greater than 0.00%. EquityADVANTAGE, Loyalty Renewal Discount, and High Advance Premiums do not apply for Option 2. Please visit the website for current Special APR offers: Infiniti: www.infiniti-usa.com, go to the Financing, Current Offers and then search by model.

Option 1 and 2 are subject to IFS credit approval.

13-8-0254 IFS Employee Bulletin VPP - August.doc Page 1 of 2

Eligible Customers: VPP Plan A and Plan B participants, which includes the following: Employees and retirees of Nissan North America and its affiliates in the continental U.S., Alaska and Hawaii. Immediate families of employees, which includes: Spouse/Domestic Partner Mother/father (includes mother- and father-in-law) Brother/sister (includes brother- and sister-in-law and step- and half-brother/sister) Son/daughter (includes son- and daughter-in-law and stepchildren) IFS Program Options: Recent graduates or students who are graduating within the next 6 months may be eligible for Tier 2 rates. Please visit www.infiniti-usa.com, click Financing, Signature Graduate for details about the program. The 90-Day Delayed Payment Option is available for VPP (not available in Pennsylvania). Lease: The IFS money factor discount on VPP leases has been discontinued. If you have any questions about financing: Visit www.infiniti-usa.com and click on Financing. The Understanding Car Financing brochure can be found by clicking on the following link: www.infiniti-usa.com/pdf/financing/Car_Financing_IFS.pdf Applying for Credit: You may apply for credit with Infiniti Financial Services by: 1) Visiting your local dealership. 2) Completing an online application at the Infiniti website. Visit www.infiniti-usa.com, Select Financing, Get Pre-Approved. You will receive an email response to your online application (email subject line states SignatureINTERACTIVE). The email will either: Pre-approve you for a specific amount and direct you to take the email to a dealership. Indicate credit could not be granted. More information may be needed and can be provided by completing the full credit application at a dealership. If you have questions regarding your credit application, contact IFS credit at: mailto:vpp.inquiries@nissan-usa.com. Please provide the employees name and your relationship to the employee, if applicable. All other VPP questions/concerns can be directed to: (800) 299-4753 or visit www.insidenissan.com for detailed program information.

13-8-0254 IFS Employee Bulletin VPP - August.doc Page 2 of 2