Quarterly Financial Results

Secret Key Metrics Best-in-class finance company + EBT down $0.4B, in line with expectations, driven by lower financing margin, credit losses and lease residuals + Lower financing margin due to higher borrowing costs + Credit losses remain below historical average but are normalizing + Auction values remain strong, but expect industry decline as supply of new vehicles improves Auction Values (Per Unit)* * $26,960 $22,980 $35,080 $34,410 $32,040 $31,185 $30,235 U.S. Retail Loss-to-Receivables ("LTR") 0.62% Ratio (%) Ford 2017-2019: 0.56% 0.35% 0.25% 0.22% 0.18% 10.08% 0.05% Q1 Q1 Q1 Q2 Q3 Q4 Q1 2020 2021 2022 2022 2022 2022 2023 Q1 Q1 Q1 Q2 Q3 Q4 Q1 2020 2021 2022 2022 2022 2022 2023 * U.S. 36-month off-lease auction values at Q1 2023 mix EBT ($M) $962 1 $903 $754 $589 $303 $191 $30 Q1 Q1 Q1 Q2 Q3 Q4 Q1 2020 2021 2022 2022 2022 2022 $500 Distributions $275 $1,000 $1,000 $600 $- 2023 $ - ** Includes $(174)M of special items, $(75)M of which is eliminated in consolidation with Ford $754 $23 Q1 EBT YOY ($M) ($288) $94 $303 ($141) ($139) Q1 2022** Vol. / Fin Mix Margin Credit Lease Loss Residual Other Q1 2023 19

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