U.S. Floorplan Risk Management

U.S. Origination Metrics Retail and Lease FICO and Higher Risk Mix (Pct) Higher Risk Portfolio Mix Average Placement FICO 748 750 747 747 745 743 6% 6% 6% 6% 6% 6% 3Q17 4Q17 1Q18 2Q18 Retail ≥ 84 Months Mix Average Retail Placement Term Retail Contract Terms 3Q18 4Q18 66 mo 65 mo 66 mo 65 mo 65 mo 65 mo 2% 3% 4% 4% 4% 5% 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 91 Ford FORD CREDIT • Disciplined and consistent underwriting practices Portfolio quality evidenced by FICO scores and steady risk mix Extended-term contracts relatively small part of our business

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