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Leases Portfolio Highlights: Auto lease balances have continued to increase since the pandemic ⚫ Delinquency steady at below pre-pandemic . levels NCOs at levels significantly below pre-pandemic The FICO mix of originations has remained robust, with weighted-average FICO scores of approximately 740 FICO Mix of Originations $1,060 1.8% Delinquency ($ in millions) Avg. 2011-2019 2.06% 9/30/2023 1.73% $1,662 $1,698 $1,586 $1,614 $1,539 $1,480 $1,426 $1,349 $1,381 1.7% 1.5% 1.4% 1.3% 1.3% 1.1% 1.1% 1.0% 0.9% $19 $13 $14 $16 $17 $23 $21 $21 $22 $29 Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 (% of Approved Amount) 734 732 736 730 730 731 735 740 700 100% 4% 4% 3% 4% 4% 3% 2% 3% 1.07% 23% 23% 22% 24% 20% 600 26% 26% 26% $3 80% 500 60% 400 300 40% 73% 73% 75% 70% 70% 71% 74% 77% 200 I Portfolio 30+ DPD 30+ DPD/Portfolio NCOs and NCO-to-Loan Ratio ($ in millions) $1 $1 $2 Avg. 2011-2019 0.65% YTD 0.27% $2 $1 0.35% $1 $0 $0 20% 100 ($0) 90 0% 0 Q419 I Q3 21 Q4 21 Q122 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 2016 2017 2018 2019 2020 2021 2022 2023 Sep YTD Leases NCOS 700+ 1625-699 <625 No FICO WA FICO NCO % 20 Differences due to rounding

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