Investor Presentaiton

Retail Loan Origination Characteristics APR Distribution* <2.0% ■2.0%-3.99% >=4.0% Weighted Average FICO 32% 45% 52% 60% 56% 25% 734 735 740 731 726 20% 23% 23% 28% 42% 35% 25% 18% 16% CY17 CY18 CY19 CY20 CY21 CY17 CY18 CY19 CY20 CY21 69 69 CY17 Weighted Average Original Term 68 68 69 69 CY18 New vs Used Used New 68% 64% 77% 73% 70 72 CY19 CY20 CY21 *Percentages may not sum to 100% due to rounding. Source: Company Reports as of December 31, 2021. Includes retail loans for Toyota and Lexus brands only ww · PROTECTED 関係者外秘 37% 23% 27% 32% CY18 CY19 CY20 CY21 TOYOTA FINANCIAL SERVICES 30

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