U.S. Floorplan Risk Management

U.S. Retail And Lease Credit Loss Drivers Over-60-Day Delinquencies (excl. Bankruptcies) Repossessions (000) and Repo. Rate (Pct) Repo. Rate Repossessions 1.13% 1.06% 0.15% 0.98% 1.05% 1.09% 0.14% 0.14% 0.12% 0.12% 36 36 33 28 28 2014 2015 2016 2017 2018 2014 2015 2016 2017 2018 Severity (000) Charge-Offs (Mils) and LTR Ratio (Pct) LTR Ratio Charge-Offs $10.1 $10.3 $10.0 0.47% 0.53% 0.46% 0.27% 0.33% $8.9 $7.9 $382 $324 $348 $206 $146 2014 2015 2016 2017 2018 2014 2015 2016 2017 2018 20 Ford FORD CREDIT Delinquencies and repossessions remain low Charge-offs and LTR improved YOY Strong loss metrics reflect healthy consumer credit conditions

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