^Volvo Car Future Value has a Guaranteed Future Value (GFV) which is the minimum value of your vehicle at the end of your finance contract as determined by Volvo Car Financial Services (VCFS) ABN 20 097 071 460, Australian Credit licence 389 344. If you decide to return your car to VCFS at the end of your term, VCFS will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. At the end of your term, you can elect to (1) trade-in; (2) return; or (3) retain the vehicle by paying the GFV owed to VCFS at the end of the loan term after all repayments have been made. You will be liable for any loan contract deficit and additional charges apply if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition. Fleet government, rental buyers, hire car and chauffeur companies excluded.