Investor Presentaiton

Credit Decisioning & Collections Disciplined Underwriting Consistent and conservative underwriting standards designed to limit delinquencies and credit losses • Key mission is to support Toyota and Lexus brand and vehicle sales • . Continued focus on prime originations Proprietary credit scores that leverage TMCC's extensive origination history • Regular statistical validations of predictive power Servicing Optimization Optimization of collections strategy and staff supports loss mitigation while enabling portfolio growth • Emphasis on early intervention • Reinforcement of strong compliance management system Focus on analytics and technology to prioritize high risk accounts and manage loss severities · PROTECTED 関係者外秘 TOYOTA FINANCIAL SERVICES 27

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