First, go to the www.eaccountservices.com/MBFS/GetStarted.html website and click on the Alerts link in the left-hand navigation box. Then either click on Edit Alerts to view existing alerts (if you are uncertain whether a similar alert may have been established) or click on Create Alerts and follow the step-by-step instructions on that page.

You can create a custom alert to notify you when specific situations or transactions occur, such as:

• When your ledger balance is over or under a certain amount
• When a transaction is posted

System alerts will automatically be generated to notify you when your Note balance falls below the minimum or if a transaction you initiated fails/is returned. A system alert will also be generated to notify you when there is one remaining occurrence of a recurring instruction left.

Alerts become effective immediately.

Alerts are processed nightly, so you will receive alerts each morning for any events that occurred the previous business day. Alerts are sent between 4:00 a.m. and 7:00 a.m. Eastern time (ET).

You may choose to route any custom alert you create to one or more email addresses of your choosing. The system alert to notify you of a below minimum balance can be routed to your email address. The other system alerts must be viewed by accessing the Alerts section of the website and currently cannot be routed to your email address.

First, set up your email address in the Route Alerts page. Then you will either need to go to Edit Alerts to send an existing alert to the new address or Create Alerts to establish a new alert. You may select a balance level, or one or more transaction types. You can then establish if you want to identify conditions greater than, less than or equal to set amounts.

No. External emails will indicate the nature of the alert (e.g., below minimum balance). To obtain details regarding your Note you must log on to the Note website at www.eaccountservices.com/MBFS/GetStarted.html.

You can temporarily deactivate an existing alert on the Edit Alerts page.

You can cancel an existing alert by going to Edit Alerts and clicking the Delete checkbox to select the alert(s) that you would like to cancel. In addition, you can remove previously delivered alerts from your list by clicking in the Delete box. Alerts are automatically deleted from the list after 30 days.

No, once you click “Delete Selected” you will need to go to the Create Alerts page and set up the alert again.

No, there is no way to view the alert after 30 days.

In an effort to provide the best possible investor experience, the First Class Demand Notes program does not charge any administrative or maintenance fees for average account balances of $10,000 or more and electronic ACH transactions. If your total investment falls below the $10,000 average monthly minimum balance, a $5 fee will be assessed to your Note each month. A fee of $15 will be assessed for all wire redemption transactions.

Login to your account. Browse to the Funds Transfer section of your account to View Notes Available for funds transfer, update or delete instructions, or create new instructions.

Initial investments must be made electronically by linking your bank account for a minimum of $10,000 drawn on a U.S. financial institution in U.S. dollars. Following enrollment, an investor may increase his or her investment by means of:

• a check in U.S. dollars drawn on a financial institution organized under the laws of the United States. The check needs to include your First Class Demand Note 14 digit account number and can be mailed to:

Mercedes-Benz Financial Services USA LLC
First Class Demand Notes
P.O. Box 535406
Pittsburgh, PA 15253


• an electronic ACH investment made either through one-time investor initiated transactions or established recurring transactions; or
• a wire transfer investment from an existing account that has been linked to your Note.

The minimum initial investment is $10,000.

To enjoy the benefits of a fee-free Note, investors must maintain an average monthly balance of $10,000 or more. If your total investment falls below the $10,000 minimum balance, a $5 fee will be assessed to your Note each month. Please note that the fee-free minimum balance is calculated as an average balance over the course of the month, not the balance at the end of the month.

If you fall below a $250 average monthly balance, your Note will be closed and the balance returned to you. Please note that the minimum is calculated as an average balance over the course of the month, not the balance at the end of the month.

If you're unable to invest in your Demand Note, please call a customer service representative at 1-866-242-0120 Monday—Friday between 8 a.m. and 7 p.m. EST. It may be that your accredited investor certification has expired. Please check the email account you've registered with InvestReady, as InvestReady may have sent you emails to begin the reverification process.

The First Class Demand Note bears interest at a floating rate as determined by the First Class Demand Notes Committee. The interest rate on the First Class Demand Note is subject to change on Friday of each week, with any change being effective the following Monday. In determining the interest rate, the First Class Demand Notes Committee examines, among other things, market rates on comparable investments in an effort to offer a highly competitive return. Please refer to the Private Placement Memorandum for additional information regarding the interest rates on the First Class Demand Notes.

Interest is compounded on a daily basis and will be credited to your Note on the last business day of each calendar month. Unless you have elected automatic monthly interest redemption, your interest will be automatically added to your First Class Demand Note principal on the day it is credited to your Note.

An individual may redeem all or a portion of his or her investment in a First Class Demand Note through the following methods:

• Electronic ACH redemption, with a minimum of $500, may be made either through one-time investor initiated transactions or established recurring transactions.
• Wire transfer, with a $1,000 minimum per transaction, may be used to redeem investments for a $15 transaction fee

Monthly Interest redemption is available through the establishment of a recurring electronic ACH transaction.

You may redeem your Note in full by:

• Providing telephone instructions to a customer service representative at 1-866-242-0120. A close-out check will be sent to the registered address on file.
• Online request via your Demand Notes account on www.eaccountservices.com/MBFS/GetStarted.html. If you attempt to redeem the note in full online by electronically withdrawing the current available balance, you will leave unapplied accrued interest on your Note, and the Note will not close.
• Providing written instructions (address below) which must state your intention to redeem your Note in full. Once the request is received, your full Note will be redeemed, including accrued and unpaid interest up to, but excluding, the date of redemption. As per request, either a bank check will be mailed to the registered address or an ACH will be processed.

  Mercedes-Benz Financial Services USA LLC
  First Class Demand Notes
  PO Box 535406
  Pittsburgh, PA 15253

Recurring investments can be established by providing the appropriate authorizations via your Demand Notes account on www.eaccountservices.com/MBFS/GetStarted.html. If banking instructions are already on file, you can set up recurring investments by clicking on the Funds Transfer tab and selecting Create New Recurring Funds Transfer Instructions. You can also set up recurring investments by calling 1-866-242-0120 and following the prompts.

The First Class Demand Notes program is a convenient investment opportunity for individuals or companies to invest directly with Mercedes-Benz Financial Services. Investors receive the benefits of competitive floating interest rates, daily compounded interest, and the ability to easily manage the Note.

Only U.S. citizens, trusts, estates, partnerships, and corporations established in or under the laws of the U.S. may participate. The SEC requires that we verify the accredited investor status of all of our investors. An accredited investor is defined as being ONE of the following:

1. A natural person with individual income exceeding $200,000 in each of the two most recent years and with a reasonable expectation of reaching the same income level in the current year; or who has an individual net worth* that exceeds $1 million at the time of the purchase;
2. A natural person who has a joint income with that person's spouse exceeding $300,000 in each of the two most recent years and with a reasonable expectation of reaching the same income level in the current year; or who has a joint net worth* with the person's spouse, that exceeds $1 million at the time of the purchase;
3. A tax exempt charitable organization, corporation, business trust or partnership not formed for the specific purpose of enrolling in First Class Demand Notes with total assets exceeding $5 million;
4. A bank, savings and loan association, insurance company, SEC registered investment company, business development company, or licensed small business investment company;
5. An employee benefit plan, within the meaning of the Employee Retirement Income Security Act, if a bank, savings and loan association, insurance company, or SEC registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million;
6. A director or executive officer of Mercedes-Benz Financial Services USA LLC;
7. An entity in which all the equity owners are accredited investors; or
8. A trust with assets in excess of $5 million, not formed to enroll in First Class Demand Notes, whose purchases are directed by a sophisticated person with such knowledge and experience in financial and business matters that is capable of evaluating the merits and risks of investments.

*Note: In calculating net worth, 1) do not include your primary residence as an asset, and 2) do not include debt on your primary residence as a liability with two exceptions: a) include debt secured by the primary residence to the extent that the amount of debt is greater than the fair market value of the primary residence, and b) include any increase in the amount of debt secured by the primary residence in the last 60 days. All other assets or liabilities (e.g., secondary residences) are included to their full extent at fair market value.

MBFS will cover all costs related to verification via InvestReady. Please see Appendix B of the Private Placement Memorandum for details.

MBFS First Class Demand Notes will be using a third party (InvestReady) to complete accredited investor verifications on our behalf. We are working closely with InvestReady to ensure this process is as simple and user-friendly as possible. The basic process will require each investor to upload documents that verifies the individual is an accredited investor. Based on how the investor is declaring their accredited status, this will require a slightly different set of documentation. Please see the information below for a more thorough description of the process for each verification type.

Individuals are given the option to upload W-2s, 1099s, and other official tax statements that document their income, or, alternatively, to “Request” their verification from the Internal Revenue Service (IRS). With the “Request” method the investor will be given a short form of questions to answer and a signature box to sign off on the information digitally. This form takes less than five minutes to fill out. The “Upload” method generally has a turnaround time of 24-48 hours because InvestReady is able to immediately examine the documents, while the IRS “Request” generally has a turnaround time of 48-96 hours. This is dependent on the turnaround time at the IRS, which is beyond the control of MBFS or InvestReady.

Individuals will be asked to share their net worth (excluding their primary residence) through a user-friendly online form and upload supporting asset statements with proof of ownership, an evaluation date, and the value of the asset. As noted above, the value of your primary residence is not considered an asset, but if you owe more on your mortgage than the value of your primary residence, that difference will count as a liability. Finally, InvestReady will obtain a copy of an individual's credit report from one of three major credit bureaus in order to accurately verify an individual's liabilities. Obtaining the credit report will not affect the individual's credit score. All asset verifications require a credit report to be reviewed in order to comply with SEC regulation. The turnaround time for asset verifications can range from one to five business days.

This method allows the investor the option to upload a third-party letter, or to give InvestReady permission to request a letter from their service provider on their behalf. In the first option, upload, the user can upload an existing letter of accredited status from a qualified third party, as specified by the SEC. This is common when the investor has already gone through the verification process elsewhere. The second option, request, allows the investor to enter the email address of their certified public accountant, attorney, registered investment advisor, or broker dealer to finish the verification. Once submitted, an automatic email and unique URL is triggered and sent to the verifier. The email contains instructions to follow the link and complete the verification for their client. The third-party verifier has the option to finish our “Letter Builder,” which asks for specific information and autocompletes a compliant third-party letter or to upload a letter of their own. For convenience InvestReady provides sample letters for these verifiers. Finally, InvestReady also provides a free credit report to the third-party verifier when they are making an asset verification. Third-party verifications take anywhere from one to five business days.

This method of verification is for individuals who make their investments through a trust or an entity. There are several different ways a trust or entity can be considered accredited. Since trusts/entities are typically set up by an attorney or CPA, InvestReady tries to streamline the third-party verification method for this verification by asking the investor to simply submit an email address of a third-party verifier. Since this is not always an option for the investor, InvestReady also provides verifications that rely on the $5,000,000 in assets requirement (upon seeing proof of those assets, which can be securely uploaded for review) or by determining that all owners of the trust or entity are themselves accredited by having them all individually verified by one of the other three methods. This method typically has a similar turnaround time as a third-party verification.

InvestReady will not disclose your financial information to any third party. InvestReady is designed to help investors protect and secure their private information by giving them a universally accepted certificate.

Your initial verification expires after a maximum of 90 days depending on the method of verification you complete. After your initial verification, you may be asked to periodically reconfirm your accredited status in order to maintain your eligibility for the program, and, depending on your circumstances, we may ask to fully reverify your status after the 90 day expiration date. MBFS will continue to work with InvestReady to ensure these methods are as simple as possible while ensuring we have what is needed within the SEC rules. Please keep in mind if your eligibility lapses, you will not be able to invest any further funds into the program until you are fully reverified. InvestReady will send you a series of reminder emails starting two weeks prior to your current certificate expiration or if any other information or actions are required of you.

Please go to the InvestReady website at support.investready.com/help_center. If you continue to need assistance, you can reach out for further information by clicking the Contact Us link at the bottom of the support page.

Anyone who meets the accredited investor requirement is eligible to join the program. These investors should visit www.firstclassdemandnotes.com to learn more.

No. An investment in the First Class Demand Notes program does not create a FDIC insured bank account. All investments are senior, unsecured debt obligations of Mercedes-Benz Financial Services and are not insured or guaranteed by anyone else.

Also, the First Class Demand Notes are not a money market mutual fund and are not subject to the requirements of the Investment Company Act (including diversification and quality of investments) or the Employee Retirement Income Security Act.

Investors should visit www.firstclassdemandnotes.com to learn more about the program. To enroll please visit the Verify tab in the website to begin the verification and application processes.

An investment in the First Class Demand Notes program involves risks. You should read the Private Placement Memorandum, including the Risk Factors section, and our financial statements carefully before you make an investment decision.

Visit www.eaccountservices.com/MBFS/GetStarted.html and the Note Summary page initially shows the last 30 days of activity in your Note. You can use selection criteria such as date range, type of transaction and/or specific amount of transactions to refine the search for a transaction.

1. Select a date range or ALL.
2. Select a specific transaction type or ALL.
3. Display transactions less than, greater than, or equal to a specific amount, or select ALL.

Click Enter to view the transactions that meet the criteria.

Note history for the past 36 months is available via www.eaccountservices.com/MBFS/GetStarted.html.