Toyota Investor Presentation Deck

Credit Decisioning & Collections Disciplined Underwriting Consistent and conservative underwriting standards designed to limit delinquencies and credit losses • · • Key mission is to support Toyota and Lexus brand and vehicle sales Continued focus on prime originations · Proprietary credit scores that leverage TMCC's extensive origination history Regular statistical validations of predictive power Servicing Optimization Optimization of collections strategy and staff supports loss mitigation while enabling portfolio growth - Emphasis on early intervention Reinforcement of strong compliance management system Focus on analytics and technology to prioritize high risk accounts and manage loss severities TOYOTA FINANCIAL SERVICES 26

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