Ford Credit Europe

We offer a variety of retail, leasing and wholesale automotive financial products and services to
Ford dealers and customers. These products and services, provided at the point of sale in Ford's
European dealer network, play an important role in supporting vehicle sales. Our primary
customer website is located at www.ford.co.uk where details of our vehicle and financial products
can be found.

We operate in 15 European countries through a network of branches and subsidiaries. We also
support sales of Ford's vehicles through partnerships and joint venture arrangements in
Denmark, Finland, Norway, Russia, South Africa, Sweden and Turkey. In addition, FCE has a
Worldwide Trade Finance division that provides wholesale stocking finance facilities to dealers
and distributors in countries where Ford does not have a National Sales Company.

We recently began accepting customer deposits in the UK under the brand name Ford Money. In
just one year, this business generated more than £500 million in deposits, won an award for Best
New Savings Provider from Savings Champion and its customers continue to report strong
satisfaction scores.

FCE also has a Mobility team that leverages the close connection with the newly created Ford Smart Mobility business to help develop products and services for the future.

We believe that a key ingredient to business success is the diversity of our workforce, where
differences are valued and everyone is included. Our backgrounds, opinions, experiences and
life situations are just some of the distinctions we bring to the workplace. Our diversity makes us
a better company by bringing in fresh ideas and different perspectives and by creating a truly
collaborative workplace.

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