HARLEY-DAVIDSON STRATEGY

HDFS IS A STRATEGIC ASSET THAT SUPPORTS OUR SUCCESS Steady performance through the business cycle Strategic advantage to HDMC and our Dealers ~21%* *Return on Equity ~14% Debt to Equity Ratio Cash generative business that self funds and generates excess capital New opportunities and capabilities to support expanding business $1,000 Avg. Gross Profit/ Motorcycle * Average return on equity is 2016-2021 49 49

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