U.S. Floorplan Risk Management

U.S. Retail And Lease Credit Loss Drivers Over-60-Day Delinquencies (excl. Bankruptcies) Repossessions (000) and Repo. Rate (Pct) Repo. Rate Repossessions 1.12% 1.16% 1.22% 1.07% 1.07% 0.15% 1.00% 0.13% 0.12% 0.12% 0.12% 0.10% 10 10 9 9 9 8 • 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 • Severity (000) Charge-Offs (Mils) and LTR Ratio (Pct) LTR Ratio Charge-Offs 0.53% 0.60% 0.51% 0.55% $10.2 $10.3 $10.3 0.44% 0.36% $10.0 $9.8 $109 $9.5 $106 $95 $93 $83 $66 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 92 Ford FORD CREDIT Delinquencies and repossessions remained low Severity about flat YoY Strong loss metrics reflect healthy consumer credit conditions

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