U.S. Floorplan Risk Management

U.S. Origination Metrics Retail and Lease FICO® and Higher Risk Mix (Pct) Higher Risk Portfolio Mix Average Placement FICO 741 746 746 740 739 6% 6% 6% 6% 5% 2014 2015 2016 Retail ≥ 84 Months Mix Average Retail Placement Term Retail Contract Terms 2017 2018 65 mo 65 mo 65 mo 64 mo 62 mo 4% 2% 0% 0% 1% 2014 2015 2016 2017 2018 19 Ford FORD CREDIT Disciplined and consistent underwriting practices Portfolio quality evidenced by FICO scores and steady risk mix Extended-term contracts relatively small part of our business

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