AFFORDABLE STOCK NEW BMWs FROM COTSWOLD CHELTENHAM | Gloucestershire & Herefordshire | BMW

AFFORDABLE STOCK NEW BMWs FROM COTSWOLD CHELTENHAM WITH SUBSTANTIAL DEPOSIT CONTRIBUTION AND LOW APRs.

CARS MUST BE REGISTERED BY 29 JUNE 2019.

Here are some examples, ask us for a list of qualifying cars.

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BMW 118i M SPORT SHADOW EDITION 5-DOOR SPORTS HATCH.

£309 A MONTH PLUS £1,000 DEPOSIT. 4.9% APR.

Alpine White with Black with Black Dakota leather with blue stitching, front Sport seats, front seat heating, brushed Aluminium interior trim with Black highgloss finisher, M Sport suspension, M Steering Wheel, M aerodynamic bodystyling, 18" 719M Bi-colour Jet Black Double-spoke M light alloy wheels, Servotronic steering, extended storage, front armrest with sliding adjustment, rear Park Distance Control (PDC), cruise control with brake function, Extended Interior Light Package, LED front foglights and LED headlights, multi-function controls for steering wheel, M Sport braking system, sun protection glasss, rain sensor with auto. headlight activation, front passenger airbag deactivation, BMW navigation, DAB digital radio, Harman Kardon - Hi-Fi, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, and Bluetooth hands-free with USB audio interface.

BMW Select Representative Finance Example for: BMW 118i M Sport Shadow Edition 5-Door Sports Hatch.

Term of agreement
48 months Total amount of credit £21,711.16
47 monthly payments
£309.00 Option to purchase fee^ £0.00
On the road cash price* £28,660.00 Optional final payment^ £10,285.16
Customer deposit
£1,000.00 Total amount payable £31,757.00
Retailer deposit contribution £5,948.84 Rate of interest 4.9% fixed
Total deposit
£6,948.84 Representative 4.9% APR

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BMW 118i M SPORT SHADOW EDITION 3-DOOR SPORTS HATCH.

£310 A MONTH PLUS £1,000 DEPOSIT. 4.9% APR.

Melbourne Red metallic with Black with Black Dakota leather with blue stitching, front Sport seats, front seat heating, brushed Aluminium interior trim with Black highgloss finisher, M Sport suspension, M Steering Wheel, M aerodynamic bodystyling, 18" 719M Bi-colour Jet Black Double-spoke M light alloy wheels, Servotronic steering, extended storage, front armrest with sliding adjustment, rear Park Distance Control (PDC), cruise control with brake function, Extended Interior Light Package, LED front foglights and LED headlights, multi-function controls for steering wheel, M Sport braking system, sun protection glasss, rain sensor with auto. headlight activation, front passenger airbag deactivation, BMW navigation, DAB digital radio, Harman Kardon - Hi-Fi, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, and Bluetooth hands-free with USB audio interface.

BMW Select  Finance Example for: BMW 118i M Sport Shadow Edition 3-Door Sports Hatch.

Term of agreement
48 months Total amount of credit £21,457.27
47 monthly payments
£310.00 Option to purchase fee^ £0.00
On the road cash price* £28,670.00 Optional final payment^ £9,925.94
Customer deposit
£1,000.00 Total amount payable £31,708.67
Retailer deposit contribution £6,212.73 Rate of interest 4.9% fixed
Total deposit
£7,212.73
4.9% APR

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BMW 118d M SPORT SHADOW EDITION 5-DOOR SPORTS HATCH AUTO.

£369 A MONTH PLUS £1,000 DEPOSIT. 4.9% APR.

Alpine White with Black Dakota leather with blue stitching, front Sport seats, front seat heating, brushed Aluminium interior trim with Black highgloss finisher, front and rear parking distance control (PDC) M Sport suspension, M Steering Wheel, M aerodynamic bodystyling, 18" 719M Bi-colour Jet Black Double-spoke M light alloy wheels, Servotronic steering, extended storage, front armrest with sliding adjustment, front and rear Park Distance Control (PDC), cruise control with brake function, Extended Interior Light Package, LED front foglights and LED headlights, multi-function controls for steering wheel, M Sport braking system, sun protection glasss, rain sensor with auto. headlight activation, front passenger airbag deactivation, BMW navigation, DAB digital radio, Harman Kardon -Hi-Fi, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, and Bluetooth hands-free with USB audio interface.

BMW Select Finance Example for: BMW 118d M Sport Shadow Edition 5-Door Sports Hatch Auto.

Term of agreement
48 months Total amount of credit £24,532.35
47 monthly payments
£369.00 Option to purchase fee^ £0.00
On the road cash price* £31,165.00 Optional final payment^ £10,593.62
Customer deposit
£1,000.00 Total amount payable £34,569.27
Retailer deposit contribution £5,632.65 Rate of interest 4.9% fixed
Total deposit
£6,632.65
4.9% APR

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 BMW 218i M SPORT COUPÉ AUTO.

£419 A MONTH PLUS £1,500 DEPOSIT. 4.9% APR.

Alpine White with Black Dakota leather with Exclusive stitching, automatic gearbox, sun protection glass, front Sport seats, front seat heating, Brushed Aluminium interior trim with Black highgloss finisher, front and rear Park Distance Control (PDC), M Sport suspension, M aerodynamic bodystyling, M Sport Package, front armrest with sliding adjustment, M steering wheel, High-gloss Shadowline exterior trim, 18" 719M Bi-colour Jet Black Double-spoke M light alloy wheels, Servotronic steering, multi-function controls for steering wheel, rain sensor with auto. headlight activation, front passenger airbag deactivation, BMW Navigation, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, Bluetooth hands-free with USB audio interface, and Black panel display.

BMW Select Finance Example for: BMW 218i M Sport Coupé Auto.

Term of agreement
48 months Total amount of credit £26,983.40
47 monthly payments
£419.00 Option to purchase fee^ £0.00
On the road cash price* £32,445.00 Optional final payment^ £10,971.83
Customer deposit
£1,500.00 Total amount payable £36,126.43
Retailer deposit contribution £3,952.60 Rate of interest 4.9% fixed
Total deposit
£5,451.60
4.9% APR

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BMW 216d M SPORT ACTIVE TOURER.

£399 A MONTH PLUS £1,000 DEPOSIT. 4.9% APR.

Mineral Grey with Black Dakota leather with perforation, Driver Pack, front and rear Park Distance Control (PDC), Driving Assistant, Park Assist, dual-clutch automatic transmission, sun protection glass, front Sport seat, High-gloss black interior trim with Pearl chrome finisher, M Sport Package, front LED foglights, M Sport suspension, M Steering Wheel, M aerodynamic bodystyling, High-gloss Shadowline exterior trim, 18" 486 Double-spoke style M alloy wheels, multi-function controls for steering wheel, Performance Control, powered bootlid operation, ISOFIX Child Seat System, front centre armrest, extended storage, sliding rear seat bench, rain sensor with auto headlight activation, automatic Air Conditioning, cruise control with brake function, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, BMW Multimedia system, and BMW Navigation.

BMW Select Finance Example for: BMW 216d M Sport Active Tourer.

Term of agreement
48 months Total amount of credit £26,150.30
47 monthly payments
£399.00 Option to purchase fee^ £0.00
On the road cash price* £32,450.00 Optional final payment^ £10,998.93
Customer deposit
£1,000.00 Total amount payable £36,051.63
Retailer deposit contribution £5,299.70 Rate of interest 4.9% fixed
Total deposit
£6,299.70
4.9% APR

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BMW 218d LUXURY ACTIVE TOURER AUTO.

£395 A MONTH PLUS £2,000 DEPOSIT. 4.9% APR.

Flamenco Red with Oyster with Grey Highlights Dakota leather with perforation, Sport automatic transmission, electric fold exterior mirrors, Black roof rails, Reversing Assist camera, front seat heating, Fineline Stream wood interior trim with Pearl chrome finisher front and rear Park Distance Control (PDC), Active Guard, Park Assist, Luxury Package, Sport steering wheel, 17" 547 Multi-spoke style alloy wheels, Chrome Line exterior, Multi-function controls for steering wheel, Performance Control, powered bootlid operation, ISOFIX Child Seat System, front centre armrest, extended storage, sliding rear seat bench, rain sensor with auto headlight activation, automatic Air Conditioning, cruise control with brake function, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, BMW Multimedia system, and BMW Navigation.

BMW Select Finance Example for: BMW 218d Luxury Active Tourer Auto.

Term of agreement
48 months Total amount of credit £26,059.53
47 monthly payments
£395.00 Option to purchase fee^ £0.00
On the road cash price* £33,265.00 Optional final payment^ £11,096.20
Customer deposit
£2,000.00 Total amount payable £36,866.67
Retailer deposit contribution £5,205.47 Rate of interest 4.9% fixed
Total deposit
£7,205.47
4.9% APR

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BMW 520d SE SALOON AUTO.

£397 A MONTH PLUS £4,500 DEPOSIT. 4.9% APR.

Mediterranean Blue with Ivory White/Black Dakota Leather, Reversing Assist camera, Fine-wood trim 'Fineline' Cove with Pearl Chrome trim finisher, 17" 618 light V-spoke alloy wheels, Sport steering wheel, automatic transmission with gearshift paddles, front seat heating, Ambient lighting, front and rear Park Distance Control (PDC), automatic Air Conditioning, Active Guard, Navigation system Professional, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, and Digital Cockpit.

BMW Select Finance Example for: BMW 520d SE Saloon Auto.
Term of agreement
48 months Total amount of credit £28,448.43
47 monthly payments
£397.00 Option to purchase fee^ £0.00
On the road cash price* £40,260.00 Optional final payment^ £13,885.29
Customer deposit
£4,500.00 Total amount payable £44,355.86
Retailer deposit contribution £7,311.57 Rate of interest 4.9% fixed
Total deposit
£11,811.57
4.9% APR

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BMW 520d M SPORT SALOON AUTO.

£465 A MONTH PLUS £4,500 DEPOSIT. 4.9% APR.

Sophisto Grey Xirallic with Ivory White Dakota Leather with exclusive stitching and piping in contrast, M Sport Plus package, 19" 664M light M Double-spoke style alloy wheels, sun protection glass, harman/kardon loudspeaker system
surround sound, M rear spoiler, Reversing Assist camera, front Sport seats, Fine-wood trim 'Fineline' Cove with Pearl Chrome trim finisher, front LED foglights, M Sport suspension, M aerodynamic bodystyling, High-gloss Shadowline exterior trim, sport steering wheel, automatic transmission with gearshift paddles, front seat heating, Ambient lighting, front and rear Park Distance Control (PDC), automatic Air Conditioning, Active Guard, Navigation system Professional, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, and Digital Cockpit.

BMW Select Finance Example for: BMW 520d M Sport Saloon Auto.

Term of agreement
48 months Total amount of credit £33,055.68
47 monthly payments
£465.00 Option to purchase fee^ £0.00
On the road cash price* £45,450.00 Optional final payment^ £15,942.10
Customer deposit
£4,500.00 Total amount payable £50,191.42
Retailer deposit contribution £7,894.32 Rate of interest 4.9% fixed
Total deposit
£12,394.32
4.9% APR

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BMW 520d M SPORT TOURING AUTO.

£469 A MONTH PLUS £4,500 DEPOSIT. 4.9% APR.

Bluestone with Ivory White Dakota Leather with exclusive stitching and piping in contrast, M Sport Plus package, 19" 664M light M Double-spoke style alloy wheels, sun protection glass, harman/kardon loudspeaker system
surround sound, Reversing Assist camera, front Sport seats, Piano Black BMW Individual trim finisher, front LED foglights, M Sport suspension, M aerodynamic bodystyling, High-gloss Shadowline exterior trim, sport steering wheel, automatic transmission with gearshift paddles, front seat heating, Ambient lighting, front and rear Park Distance Control (PDC), automatic Air Conditioning, Active Guard, Navigation system Professional, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, and Digital Cockpit.

BMW Select Finance Example for: BMW 520d SM Sport Touring Auto.

Term of agreement
48 months Total amount of credit £34,069.19
47 monthly payments
£469.00 Option to purchase fee^ £0.00
On the road cash price* £48,085.00 Optional final payment^ £16,962.16
Customer deposit
£4,500.00 Total amount payable £53,020.97
Retailer deposit contribution £9,515.81 Rate of interest 4.9% fixed
Total deposit
£14,015.81
4.9% APR

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BMW 840d xDRIVE COUPÉ.

£799 A MONTH PLUS £15,000 DEPOSIT. 4.9% APR.

Black Sapphire with BMW Individual Fiona Red/Black Merino extended leather, M Sport Technic Package, M Sport braking system, M sport differential, M seat belts, Piano Black BMW Individual trim, M steering wheel, M aerodynamic bodystyling, BMW Individual high-gloss Shadow Line with extended contents, 20" M Lt/Aly wheels Y-spoke 728 M Jetblack performance tyres, sun protection glas, BMW Live Cockpit Professional, M Sport Package, Multifunctional seats for driver and front passenger, Integral Active Steering, Comfort Access, Climate Comfort windscreen, Display Key, front seat heating, BMW Icon Adaptive LED Headlights, High-beam Assistant, Active Guard, Parking Assistant, DAB digital radio,
harman/kardon surround sound loudspeaker system, BMW TeleServices, Legal emergency call, BMW Online Services, Connected Package Professional, Enhanced Bluetooth with wireless charging, WiFi hotspot preparation, M rear spoiler, and High-gloss Shadowline exterior trim,.

BMW Select Finance Example for: BMW 840d xDrive Coupé.

Term of agreement
48 months Total amount of credit £58,422.67
47 monthly payments
£799.00 Option to purchase fee^ £0.00
On the road cash price* £79,965.00 Optional final payment^ £31,275.89
Customer deposit
£15,000.00 Total amount payable £90,371.22
Retailer deposit contribution £6,542.33 Rate of interest 5.9% fixed
Total deposit
£21,542.33
5.9% APR
X RANGE

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BMW X1 sDRIVE18i M SPORT.

£395 A MONTH PLUS £1,000 DEPOSIT. 4.9% APR.

Alpine White with Cloth Micro Hexagon/Alcantara Anthracite with Blue highlight, sun protection glass, High-gloss black interior trim with Pearl chrome finisher, M Sport Package, 18" 570M Bi-colour M Double-spoke style alloy wheels, roof rails, High-gloss Shadowline, front Sport seats, M Sport suspension, M steering wheel, M aerodynamic bodystyling, High-gloss Shadowline, exterior trim, multi-function controls for steering wheel, Performance Control, powered bootlid operation, ISOFIX child seat system, centre front armrest, extended storage, front seat heating, sliding rear seat bench, rear Parking Distance Control (PDC), automatic air conditioning, cruise control with brake function, LED Headlights with extended contents, Active Guard, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, and BMW Navigation.

BMW Select Finance Example for: a BMW X1 sDrive18i M Sport.

Term of agreement
48 months Total amount of credit £26,840.70
47 monthly payments
£395.00 Option to purchase fee^ £0.00
On the road cash price* £31,515.00 Optional final payment^ £12,042.11
Customer deposit
£1,000.00 Total amount payable £35,281.41
Retailer deposit contribution £3,674.30 Rate of interest 4.9% fixed
Total deposit
£4,674.30
4.9% APR

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BMW X2 sDRIVE20i SPORT AUTO.

£389 A MONTH PLUS £1,500 DEPOSIT. 4.9% APR.

Alpine White with Anthracite/Grey Race cloth, Vision Pack, Reversing Assist camera, Sport Plus Pack, 19" 511 Y-spoke style alloy wheels, sun protection glass, Extended Interior Light Package, Harman Kardon - Hi-Fi, electric folding exterior mirrors, multi-function controls for steering wheel, Sport Steering Wheel, Sport Double-clutch automatic transmission seven speed, powered bootlid operation, ISOFIX Child Seat System, front cenre armrest, front Sport seats, extended storage, high-gloss black interior trim with Pearl chrome finisher, rear Park Distance Control (PDC), automatic air conditioning, cruise control with brake function, front LED foglights, LED headlights with extended contents, Active Guard, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, Remote Services, BMW Navigation, and High-gloss Shadowline exterior trim.

BMW Select Finance Example for: a BMW X2 sDrive20i Sport Auto.

Term of agreement
48 months Total amount of credit £28,245.18
47 monthly payments
£389.00 Option to purchase fee^ £0.00
On the road cash price* £35,665.00 Optional final payment^ £14,053.53
Customer deposit
£1,500.00 Total amount payable £39,756.35
Retailer deposit contribution £5,919.82 Rate of interest 4.9% fixed
Total deposit
£7,419.82
4.9% APR

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BMW X3 xDRIVE20d M SPORT AUTO.

£445 A MONTH PLUS £2,500 DEPOSIT. 4.9% APR.

Carbon Black with Black with Grey Contrast Stitching Vernasca Leather, roof rails, High-gloss Shadowline, sun protection glass, front Sport seats, M Sport suspension, M Ssteering wheel, M aerodynamic bodystyling, High-gloss Shadowline exterior trim, M Sport Package, 19" Bicolour Ferric Grey 698 M light Double-spoke alloy wheels, Aluminium Rhombicle interior trim with Pearl, Chrome trim finisher, front LED foglights, automatic transmission with gearshift paddles, Performance Control, front seat heating, Ambient lighting, automatic Air Conditioning, Adaptive LED Headlights, Active Guard, front passenger airbag deactivation,Parking Assistant, Navigation system Professional, DAB digital radio, BMW Emergency call, BMW TeleServices, BMW Online Services, Real Time Traffic Information, and Remote Services.

BMW Select Finance Example for: a BMW X3 xDrive20d M Sport Auto.

Term of agreement
48 months Total amount of credit £35,297.30
47 monthly payments
£445.00 Option to purchase fee^ £0.00
On the road cash price* £44,685.00 Optional final payment^ £19,692.33
Customer deposit
£2,500.00 Total amount payable £49,995.03
Retailer deposit contribution £6,887.70 Rate of interest 4.9% fixed
Total deposit
£9,387.70
4.9% APR

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BMW X4 xDRIVE20d M SPORT AUTO.

£479 A MONTH PLUS £2,500 DEPOSIT. 4.9% APR.

Sophisto Grey Xirallic with Tacora Red with Decor Stitching Vernasca Leather, Comfort Package, Comfort Access, Acoustic glazing, extended storage, M Sport Plus Package, 20" Bicolour Orbit Grey 699 M light Doublespoke alloys wheels, M Sport braking system, sun protection glass, harman/kardon loudspeaker system surround sound, front Sport seats, M steering wheel, M aerodynamic bodystyling, High-gloss Shadowline exterior trim, Aluminium Rhombicle interior trim with Pearl finisher, automatic transmission with gearshift paddles, front seat heating,Ambient lighting, automatic Air Conditioning, Active Guard, front passenger airbag deactivation, Parking Assistant, Navigation system Professional, DAB digital radio, BMW TeleServices, Legal emergency call, BMW Online Services, Real Time Traffic Information, Remote Services, and M Sport suspension.

BMW Select Finance Example for: a BMW X4 xDrive20d M Sport Auto.

Term of agreement
48 months Total amount of credit £38,754.68
47 monthly payments
£479.00 Option to purchase fee^ £0.00
On the road cash price* £50,090.00 Optional final payment^ £22,117.79
Customer deposit
£2,500.00 Total amount payable £55,966.11
Retailer deposit contribution £8,835.32 Rate of interest 4.9% fixed
Total deposit
£11,335.32
4.9% APR

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BMW X5 xDRIVE30d M SPORT AUTO.

£799 A MONTH PLUS £7,500 DEPOSIT. 4.9% APR.

Mineral White with Black Vernasca Leather, Technology Package, Display Key, Parking Assistant Plus, Head-up Display, harman/kardon loudspeaker system surround sound, Comfort Package, Comfort Access, rear side window sunblinds, heated and cooled cupholder, front comfort seats, front and rear seat heating, M Sport Plus package, M Sport exhaust system, 21" M Lt/Aly wheels Y-spoke 741 M Bicolour alloy wheels, sun protection glass, M Sport braking system,Sport automatic transmission, roof rails, High-gloss Shadowline, interior trim finishers Aluminium Tetragon, third-row seating, Ambient lighting, front LED foglights, BMW Live Cockpit Professional, M steering wheel, M aerodynamic bodystyling, High-gloss Shadowline exterior trim, M Sport Package, 2-axle air suspension, Active Guard Plus, DAB digital radio, BMW TeleServices, Legal emergency call, BMW Online Services, Connected Package Professional, Enhanced Bluetooth with wireless charging, BMW Gesture Control, and WiFi hotspot preparation.

BMW Select Finance Example for: a BMW X5 xDrive30d M Sport Auto.

Term of agreement
48 months Total amount of credit £57,577.73
47 monthly payments
799.00 Option to purchase fee^ £0.00
On the road cash price* £68,705.00 Optional final payment^ £28,336.05
Customer deposit
£7,500.00 Total amount payable £77,016.32
Retailer deposit contribution £3,627.27 Rate of interest 4.9% fixed
Total deposit
£11,127.27
4.9% APR

For more information and a complete list of qualifying BMWs call our Sales Specialists on 01242 335335 or EMAIL

CARS MUST BE REGISTERED BY 29.03.19.

Cotswold Cheltenham is a credit broker not a lender. Finance examples are for BMW Select agreements for stock new BMWs stated above with a contract mileage of 32,000 miles for a BMW 118d M Sport Shadow Edition 5-door Sports Hatch with an excess mileage charge of 5.99p per mile, a BMW 118d M Sport Shadow Edition 3-door Sports Hatch with an excess mileage charge of 5.69p per mile, a BMW M140i Shadow Edition 5-door Sports Hatch with an excess mileage charge of 7.95p per mile, a BMW 218i M Sport Coupé with an excess mileage charge of 6.35p per mile, a BMW 216d M Sport Active Tourer with an excess mileage charge of 6.57p per mile,a BMW 218d Luxury Active Tourer Auto with an excess mileage charge of 6.56p per mile, a BMW 520d SE Saloon Auto with an excess mileage charge of 8.39p per mile, a BMW 520d M Sport Saloon Auto with an excess mileage charge of 9.19p per mile, a BMW 520d M Sport Touring Auto with an excess mileage charge of 9.64p per mile, a BMW 840d xDrive with an excess mileage charge of 15.03p per mile, a BMW X1 sDrive18i M Sport Auto with an excess mileage charge of 8.17p per mile, BMW X2 sDrive20i Sport Auto with an excess mileage charge of 9.56p per mile, BMW X3 xDrive20d M Sport Auto with an excess mileage charge of 11.39p per mile, BMW X4 xDrive20d M Sport Auto with an excess mileage charge of 12.19p per mile, and a BMW X5 xDrive30d M Sport Auto with an excess mileage charge of 12.04p per mile.and a BMW X5 xDrive30d M Sport Auto with an excess mileage charge of 12.04p per mile. Applies to new vehicles above purchased 10 April and 29 June and registered by 29 June 2019 (subject to availability). Retail customers only. *On the road cash price includes 3 year BMW Retailer Warranty, BMW Emergency Service, 12 months’ road fund licence, vehicle first registration fee, delivery, number plates and VAT. ^Optional final payment and option to purchase fee not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. Offer may be varied, withdrawn or extended at any time. ‘BMW Select’ is a form of hire-purchase agreement. Cotswold Cheltenham, trading as Cotswold Cheltenham, commonly introduce customers to a selected panel of lenders including BMW Financial Services. We may receive commission or other benefits for introducing you to such lenders. This introduction does not amount to independent financial advice.