U.S. Floorplan Risk Management

U.S. Retail Originations and Servicing Strategy Scoring Models Development and Maintenance • · Origination scoring models are developed internally by Ford Credit's analytics team using statistical analysis of contract characteristics, performance of Ford Credit's retail and lease portfolio and other automotive-specific data to identify key variables that predict an applicant's probability of fully paying the amount due under the contract Ford Credit regularly reviews its models to confirm the business significance and statistical predictability of the variables Origination scoring model performance review Scorecard Cycle Plan Committee review Ford Credit develops new origination scoring models on a regular cycle plan Ford Credit may make adjustments to improve the performance of the origination scoring models between development cycles to react quickly to portfolio performance shifts and macroeconomic conditions. Adjustments may include: Uniformly changing the overall credit risk scores Modifying the weight of selected variables Launch dates for most recent redeveloped origination scoring models: Scoring Models Consumer U.S. January 2018 January 2019 Commercial Line of Credit May 2017 Commercial 38 Ford FORD CREDIT

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