U.S. Floorplan Risk Management

U.S. Retail Originations and Servicing Strategy Scoring Models Development and Maintenance • • • Behavioral scoring models are developed internally by Ford Credit's analytics team using statistical analysis of the contract characteristics and performance of Ford Credit's retail and lease portfolio and other external automotive- specific data to identify key variables that predict a customer's probability of default in the near term Ford Credit regularly reviews the behavioral scoring models to confirm the continued business significance and statistical predictability of the variables - Behavioral scoring model performance review Scorecard Cycle Plan Committee review Ford Credit develops new behavioral scoring models on a regular cycle plan Ford Credit may make adjustments to improve the performance of the behavioral scoring models between development cycles by uniformly changing the overall scores or modifying the weighting of selected variables Completed launch dates of most recent redeveloped POD behavioral scoring models are as follows: 41 Ford FORD CREDIT Scoring Models Consumer Commercial U.S. February 2018 January 2019

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