Ford Investor Conference

Worldwide Credit Loss Metrics + Worldwide credit loss metrics remain strong, reflecting low losses + Credit Loss Reserve as a % of EOP Receivables remains consistent $67 0.24% Q3 2020 $1,314 1.19% Q3 2020 $9 0.04% Q3 2021 $984 1.04% Net Charge-Offs (SM) and LTR Ratio (%) LTR Ratio % Q3 2021 1 $33 0.14% Q3 2022 $760 0.79% $41 Q3 2022 0.16% Q4 2022 Credit Loss Reserve (SM) and Reserve as a % of EOP Receivables Reserve as a % of EOP Receivables $845 0.82% $57 Q4 2022 0.23% Q1 2023 $870 0.82% $40 Q1 2023 0.15% Q2 2023 $873 0.80% Q2 2023 $68 0.25% Q3 2023 $876 0.80% Q3 2023 Ford 25

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