Ford Investor Conference

Ford Credit Canada Origination Metrics + Disciplined and consistent underwriting practices + Portfolio quality evidenced by FICO scores and consistent risk mix + Extended-term contracts remain a significant part of FCC's business and consistent with the market Higher Risk Portfolio Mix Average Placement FICO 771 1% Q3 2020 73 mo 39% 778 Q3 2020 1% Retail ≥ 84 Months Mix Average Retail Placement Term Q3 2021 71 mo 22% Retail & Lease FICO and Higher Risk Mix (%) Q3 2021 778 1% Q3 2022 71 mo 29% 779 Retail Contract Terms Q3 2022 1% Q4 2022 71 mo 29% Q4 2022 775 1% Q1 2023 71 mo 32% Q1 2023 776 1% Q2 2023 72 mo 34% Q2 2023 776 1% Q3 2023 71 mo 32% Q3 2023 Ford 26

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