Ford Investor Conference

Ford Credit Canada Retail Credit Loss Drivers + Delinquencies and repossessions remain low + Strong loss metrics reflect healthy consumer credit conditions Avg. Over-60-Day Delinquencies (excl. Bankruptcies) 0.14% Q3 2020 Q3 2020 0.12% Q3 2021 I 1 0.13% Q3 2022 0.12% 0.12% 0.12% Q4 Q1 Q2 2022 2023 2023 Severity (000) $15.3 Q4 Q3 Q3 2021 2022 2022 $15.0 $13.7 $13.2 $12.4 mili 0.14% $12.7 Q3 2023 $15.7 Q1 Q2 Q3 2023 2023 2023 Repo. Rate Repossessions 658 0.63% Q3 2020 $9 0.29% 311 0.32% LTR Ratio Charge-Offs Q3 2020 Q3 2021 Repossessions and Repo Rate (%) T 1 T 1 296 0.33% $6 274 0.30% Q3 Q4 Q1 Q2 2022 2022 2023 2023 Charge-Offs (SM) and LTR Ratio $3 0.12% Q3 Q3 2021 2022 277 0.31% 0.22% 247 0.28% $5 $4 $4 0.16% 0.19% 0.14% Q4 Q1 Q2 2022 2023 2023 269 0.31% (%) Q3 2023 $6 0.21% Q3 2023 Ford 27

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