U.S. Floorplan Risk Management

U.S. Retail Originations and Servicing Strategy Origination Process Ford Credit's origination process is supported by proprietary scoring models and electronic decisioning Analyzes a number of factors for each credit application - Produces a proprietary risk score that is updated in real time throughout the evaluation process as inputs change Credit application process Dealers submit credit applications and proposed financing terms electronically to Ford Credit Ford Credit obtains a credit report for the applicant and any co-applicant » Ford Credit uses its proprietary origination system to complete compliance and other checks, including fraud alerts, ID variation or to identify if the applicant is a current or former customer Ford Credit's origination process is judgment-based, using well-established purchasing guidelines and control processes - not governed by strict limits Ford Credit communicates credit decisions electronically to dealers 36 Ford FORD CREDIT

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