TOYOTA FINANCIAL SERVICES CORPORATE GUIDE Hiroyoshi Korosue Group CEO TFS Chief Oﬃcer TMC Sales Finance Business Group

TFS, Shifting to be more Practical and Sustainable

As the Toyota Group Sales Finance Company, TFS has provided Customers, Dealers, Distributors and partner companies with practical and sustainable values so that no one is left behind in these challenging times. It is also your strong commitment and support that helped us to continue moving forward.

To produce happiness for all, Toyota group is tackling Carbon Neutrality. TFS is committed to financial services tailored to each country and Region so that Toyota can offer any type of electrified vehicles (PHEV, HEV, BEV, FCEV or any other type) to our Customers. TFS will evolve as much as needed at the core of this goal.

TFS has globally accelerated digitalization to cope with sudden and dynamic changes based on Toyota’s concept of “Software First”. Our oﬃcers and employees are welcoming new technologies and engaging in trials with our partners for the future services.

Join us on the journey towards “Mobility for All”. Let’s make it a reality for our society.

Thank you for your support and partnership.

1 Toyota Financial Services is made up of aﬃliates in more than 40 countries/ locations. Wherever we operate, we conduct business with the highest ethical standards and a fair and sincere attitude. We aim to have a positive impact in the communities in which we operate. Our products and services diﬀer from country to country to meet market conditions and regulatory requirements, but around the world we are a company focused on delivering quality products that meet our customers’ needs.

Provide sound ﬁnancial services that contribute to MISSION a prosperous life for Toyota customers and others

VISION Create value by enabling freedom of movement

THE TFS WAY Challenge Speed Unity of Purpose

2 Group Structure

TFS offers a comprehensive financial services lineup that caters to customers’ diverse needs while strengthening the core auto sales finance operation. By offering customers sound, high-quality financial products and services, TFS aims to build customers for life by supporting their life events.

Toyota Motor Corporation (TMC)

TMC Sales Finance Business Group

Toyota Financial Toyota Financial Services Corporation (TFSC) Internal/ Services Board of Directors External (TFS) Audit TFS Group Top Management

TMFNL Region

Americas Europe Japan Asia Paciﬁc China Oceania Africa

Corporate Risk Management KINTO Planning Innovation Financial Value Chain Business

TFS and TMC Sales Finance Business Group TFS has become a part of TMC as the “Sales Finance Business Group.” This integrates the sales ﬁnance business with the auto business to realize rapid decision making and better “visualization” of risks.

TFSC Board of Directors and Strategic Management Committee The TFSC Board of Directors is the highest operational decision-making body of TFS. Some members of the Board of Directors are management members of TMC. The Strategic Management Committee composed of members from TFS only and includes TFS Top Management and the Region Chief Oﬃcers. These committees discuss strategic matters that will help guide TFS.

Regions TFS operates ﬁve regions which are responsible for assessing the market, developing strategy, and supporting the TFS sales ﬁnance companies to best meet the various needs of TFS customers.

3 Toyota Financial Services Corporation

Headquarters Nagoya Lucent Tower 15F 6-1, Ushijima-cho, Nishi-ku, Nagoya, 451-6015 Japan

Share Capital 78.5 billion yen

Shareholder Toyota Motor Corporation (TMC) (100%)

Established July 7, 2000

Number of Team Members 130 (As of April 1, 2021)

URL http://www.tfsc.jp/

Brief History 1982 Toyota Finance Australia Ltd (TFA), (Australia) established Toyota Motor Credit Corporation (TMCC), (USA) established 1988 Toyota Finance Corporation (TFC), (Japan) established 1996 Expanded to 10 countries/locations 2000 Toyota Financial Services Corporation (TFSC) established 2001 Expanded to 20 countries / locations 2005 Expanded to 30 countries / locations 2021 Expanded to 40 countries / locations

Directors Hiroyoshi Korosue (President / TMC Chief Officer of Sales Finance Business Group) Shinya Kotera (Senior Executive Vice President) Mark Templin (TMCC President & CEO) Hao Tien (TMC Deputy Chief Officer of Sales Finance Business Group) Toshiyuki Nishi (TFC President) Koji Kobayashi (TMC Representative Director & Chief Risk Officer) Yoshihiro Nakata (TMC Senior General Manager) Masahiro Yamamoto (TMC General Manager)

Audit & Supervisory Hiroshi Takahashi Board Members Kenta Kon (TMC Director & Chief Financial Oﬃcer) Katsuyuki Ogura (TMC Audit & Supervisory Board Member)

Managing Oﬃcers Hitoshi Watanabe Toshiaki Kawai Akira Tsuboi Izumi Sugiyama Naoki Tokuhisa As of July 2021

4 Americas Oceania Region

“During the COVID-19 pandemic, TFS Americas Oceania Region Sales Finance Companies demonstrated their value by working closely with distributors to meet the needs of dealers and consumers. By providing a stable source of ﬁnancing in a volatile environment, and working with customers facing ﬁnancial uncertainties, TFS not only enabled sales, but helped create customers for life. At the same time, TFS team members continued transforming and growing our organization with enhanced products and processes to ensure we are ready to take advantage of future opportunities.” Mark Templin President & CEO Mark Templin Toyota Financial Services Americas Oceania Region

Markets at a Glance* Our 5,100 team members across the region manage $176 billion USD in assets and are dedicated to serving over 6.2 million customers and 2,500 dealer wholesale accounts. With sales ﬁnance companies in Canada, the United States, Mexico, Puerto Rico, Venezuela, Brazil, Argentina, Australia and New Zealand, we draw upon our extensive scale and experience to capitalize on unique market opportunities. *As of March 31, 2021

Americas Oceania Region Overview 9 Sales Finance Companies in Americas Oceania Region

Toyota Credit Canada Inc. 1 (TCCI) Markham, Ontario

1 Toyota Financial Services 2 (TFS USA) Plano, TX

2 Toyota Financial Services Mexico 3 (TFSM) Mexico City, Mexico

3 Toyota Credit de Puerto Rico 4 4 (TCPR) San Juan, Puerto Rico

5 Toyota Services de Venezuela 5 (TSV) Caracas, Venezuela

Banco Toyota do Brazil 6 (BTB) Sao Paulo, Brazil

Toyota Compañía Financiera de Argentina 6 7 (TCFA) Buenos Aires, Argentina

Toyota Finance Australia Ltd. 8 8 (TFA) Sydney, Australia 9 7 Toyota Finance New Zealand Ltd. 9 (TFNZ) Auckland, New Zealand

5 Customer-Centric Products, Services & Processes We are proud to oﬀer unique ﬁnancial products and services to our customers and dealers, whose satisfaction is our overarching objective. Now more than ever, the Americas Oceania Region is deploying a range of digital solutions that make it even easier to do business with us than ever before.

Toyota SmartPath and Lexus Monogram (USA) Developed in collaboration with Toyota Motor North America, Toyota SmartPath and Lexus Monogram provide digital tools that put the car buying process in the hands of the customer. The technology enables increased transparency into current inventory, real-time pricing, and ﬂexibility for customers to shop online or in the dealership. Customers can choose the path that works best for them by starting their journey online, saving their progress in the “digital garage” and then completing their purchase at home or at their dealer.

TFS Home Delivery (Mexico) During COVID19, TFS Mexico (TFSMX) reacted in record time to ensure business continuity under unprecedented circumstances, prioritizing the health and safety of team members and customers. TFSMX launched the totally new digital sales channel “TFS Home Delivery.” It allows customers to select a car, obtain a quote, and get approval for credit digitally. The only in-person touchpoint with customers happens when the car is delivered to them at home, while social distancing and sanitization protocols are maintained. A joint eﬀort with the distributor and the dealer network, this process was awarded the J.D. Power “Best Digital Auto Sales Process in Mexico.” TFS Home Delivery was fundamental in reaching a new contract market share of 54% in one of our most challenging ﬁscal years.

Used Car Platform (Argentina) TCFAutos.com, a used car platform, was launched in 2016, allowing dealers to list their used vehicle stock. Consumers using the site can select a pre-owned car from dealer stock and are offered financing plans. Toyota, Lexus and other brands traded-in at Toyota dealers are included. In partnership with Toyota Argentina S.A. Toyota Usados system since 2019, the platform also includes Toyota and Lexus pre-owned vehicles through a completely digitized certification process is the platform includes a payment estimator, online credit approval, and specific finance plans for each customer. Owned and managed by Toyota Compañía Financiera de Argentina S.A. (TCFA), the platform is flexible and customizable.

BTB ADS (Brazil) By listening to dealers and our sales team, Banco Toyota do Brasil (BTB) identified the opportunity to develop an enhanced response to a credit application. BTB’s Alternate Deal Structure (ADS) generates multiple financing options for our customers. ADS is the next generation of risk analysis, supporting fast and flexible credit decisions, while preserving the quality of the negotiations, improving customer satisfaction, and increasing BTB’s new retail originations. ADS supports customers who have their credit application initially denied by providing alternative financing options. It also supports approved customers by suggesting additional options to finance their vehicles, delivering a complete customer-centred experience.

6 Europe Africa Region

During last year’s Covid 19 crisis, we learned how to run our business remotely…. But we didn’t just maintain steady progress, we made stunning advances. We innovated. In terms of portfolio size, assets and used car, we have broken records. But we also continue to keep our strategic priorities and investments regarding Mobility and Innovation. In 2021, we officially welcomed TFS Belgium as the 20th SFC family member in the TFS Europe & Africa Region (EAR). Through the further expansion of the KINTO brand, we are reaching the growing fleet sector and preparing the path towards becoming a true mobility company. In our EAR Innovation Hub in Duesseldorf, Germany we are developing innovative ideas and concepts that can be nurtured into future potential businesses, both inside and outside of our traditional Financial Ivo Ljubica products and services. Additionally, the Covid 19 crisis has shown that more and more emphasis is being placed on digitalization to be able to transact online and soon be fully ready for electrification. Our strength in Europe remains in the close relationships we have established with our NMSCs (National Marketing & Sales companies) and TME (Toyota Motor Europe), where strategically we are totally aligned - across Retail, Digital and Mobility. Ivo Ljubica CEO, TFS Europe & Africa Region Markets At A Glance* 1,988 team members across 20 locations in Europe and Africa service over 1,694 Toyota and Lexus retailers for whom TFS provides funding exceeding €2.9 billion. In total, our outstanding customer portfolio numbers exceed 1.6 million live accounts representing an asset size of over €24 billion. *As of March 31, 2021 A YEAR OF RECORDS Last fiscal year TFS EAR again TCM (Trade Cycle Management) Total TFS penetration maintained on a achieved a number of historic products, underpinning the new level above 36% (including KEU (KINTO records in the traditional Finance sales distribution strategy in Europe GmbH) 38%) despite a very & Lease business. The number of Europe, represented almost ½ challenging period. new car and used car contract (48%) of the TFS business “The Core 5” remain our volume drivers acquisitions continuously followed by Credit (40%) and within Europe. Leading the finance charge increased over the last years and Fleet/FSL (Full Service Lease) is our flagship A-segment vehicle, AYGO, despite COVID impact, reached comprising the final 12%. TCM with a penetration rate at 49% for more than 520 thousand units in products are gaining popularity FY2021. YARIS, an extremely competitive FY2021. every year and thanks to the B-segment vehicle, sits at 44%, followed launch of TCM 2.0 product – by two C-segment giants: C-HR and New Used 545k Toyota EASY – this trend will COROLLA. Toyota RAV4 has maintained 512k 520k 488k continue. its popularity through COVID-19 with a 445k 164 strong penetration of 35%. 149 165 137 FSL 135 FLEET 5% 49% 44% 7% 40% 37% 35% TCM 363 381 48% 351 355 Credit 310 40%

2017 2018 2019 2020 2021 AYGO YARIS C-HR COROLLA RAV4

7 KINTO launch in EAR KINTO Europe (JV: 51% TFSC, 49%TME) ESTABLISHMENT OF KINTO EUROPE GMBH KINTO APRIL 1, 2021 EUROPE We ﬁnished the last Fiscal year with a milestone achievement, establishing KINTO Europe GmbH on April 1 2021 and adding mobility to the FSL MOBILITY FINANCE FSL business. KINTO KINTO KINTO KINTO KINTO SERVICES BRAND PLATFORM Merging the resources of TFS, TME and TIS(Toyota Europe One Insurance Services) , now allows us to act as one team and build lateral synergies to oﬀer KINTO mobility and FSL products across the EAR. In total 25 team members are taking care of service and business development, brand work and platform.

EAR Innovation Hub Throughout the last year, the EAR Innovation Hub has focused its eﬀorts towards bringing ideas to life. Together with its wide network of TFS collaborators and innovation experts, the team is working on eight projects, ranging from a ridesharing service for kids (Zweelo), a micro-mobility service for universities (MiMo drive), a used-car trading platform (The Hybrid Place) to various other initiatives in the ﬁeld of carsharing, parking, fueling and digital communication platforms. Along the way, the EAR Innovation Hub has furthermore launched the TFS Idea Accelerator, a Region-wide venture building program. This initiative invited any TFS employee to submit an innovative idea via a digital platform, to pitch for a budget and to potentially bring it to life in pilot market via the network and support of EAR Innovation Hub. Strong communication and collaboration among all SFC markets resulted in remarkably high participation rates and opened doors for all TFS employee to participate in our open innovation culture.

EAR Digital

Today we are oﬀering an online ﬁnance calculator STATUS ONLINE FINANCE ACROSS TFS EAR to support new car sales in 18 markets of EAR region. In 2021, we continue to work on 3 markets live: ONLINE FINANCE Norway, Finland & Denmark geographical expansion, as well as further product NEW CAR Markets under development: Sweden - Q3 2021 coverage to support new markets and used car.

With online ﬁnance live in 3 markets, we oﬀer our PAN E ONLINE FINANCE VENDORS ONLINE FINANCE 2 markets under development: customers the possibility to transact fully online USED CAR Spain & France – Q3/Q4 2021 TORQUE ITS with TFS when purchasing their new car. With LOCAL FINANCE SOLUTION Sweden as the 4th market on the roadmap for 2021, as well as used car pilots in Spain and South Africa France, we are enlarging our digital footprint and TFS SA supporting future innovation.

8 Asia Paciﬁc Region

"The Asia Paciﬁc Region remains one of the fastest growing, dynamic and most diverse region within Toyota Financial Services.

TFS forms a strong partnership with each sales finance company to offer a wide and competitive range of financing products and services to our dealers and customers. In order to tap the huge potential in this region, we will leverage on our strengths as One Toyota, and take advantage of opportunities in our traditional business as well as our value chain and mobility initiatives through strong collaboration with our customers, dealers and distributors. As the key player in Hao Quoc Tien this region, we are prepared to ride the new technological wave and continue to transform our business to succeed in this dynamic region." Hao Quoc Tien CEO, TFS Asia Pacific Region Deputy Chief Officer, TMC Sales Finance Business Group

Markets At A Glance* Asia Pacific Region is made up of 9 sales finance companies: Thailand, Malaysia, Philippines, Taiwan, Korea, Indonesia, Vietnam, India and Singapore. Our more than 4,800 team members are dedicated to serving over 1.8 million customers and a distribution network of more than 1,500 dealers outlets with over 340 wholesale accounts. Asia Pacific Region has more than $19 billion USD in managed assets. *As of March 2021

Asia Paciﬁc Region 9 Sales Finance Companies operating in Asia Paciﬁc Region

Toyota Financial Services Korea Co., Ltd. 1 (TFSKR) Seoul, Korea

Hotai Finance Corporation(HFC) Taipei, Taiwan 1 2 Hotai Leasing Corporation (HLC) Taipei, Taiwan

Toyota Financial Services Philippines Corporation 3 (TFSPH) Makati City, Philippines

2 Toyota Leasing (Thailand) Co., Ltd. 4 (TLT) Bangkok, Thailand

Toyota Financial Services India Ltd. 4 3 5 5 (TFSIN) Banglore, India 6 Toyota Financial Services Vietnam Co., Ltd. 7 6 (TFSVN) Ho Chi Minh City, Vietnam

8 Toyota Capital Malaysia Sdn. Bhd. 7 (TCAPM) Petaling Jaya, Malaysia 9 Toyota Financial Services Singapore Pte Ltd. 8 (TFSSG) Singapore

PT Toyota Astra Financial Services 9 (TAFS) Jakarta, Indonesia

9 TLT Toyota Wallet (TLT Thailand) TLT launched TOYOTA Wallet in October 2020. TOYOTA Wallet is essentially the global product of Toyota’s passionate commitment to the development of technological innovations through mobile application platform that allows customers to enjoy using this e-Wallet as a payment solution that seamlessly matches their needs in the current cashless society. TOYOTA Wallet ensures that the customer’s digital payment experience is filled with comfort, convenience and security, while allowing them to enjoy freedom of payment when making transactions at Toyota and non-Toyota merchants, both offline or online. TOYOTA Wallet in Thailand is currently accepted at Toyota dealer outlets, Toyota Simply Application, KINTO, and Tag30 (QR code payment in Thailand). In the near future, more offline and online merchants will be added to TOYOTA Wallet and further enhancements will be made to move towards becoming an e-wallet that is used universally, not just in Thailand, but also in other countries where TOYOTA Wallet is available.

EZ Connect (TCAPM Malaysia) TCAPM has introduced the all-new Toyota Capital’s EZ Connect mobile application, which provides customers with instant access to their car financing account and allows them to make real-time, online installment payments with notifications on the transactions to keep them assured. Customers can also get real time check on their loan balance and installment due, as well as view their car financing contract details. Customers will receive reward points if they pay installment in advance. To enhance service to the customers, Toyota Capital’s EZ Connect provides additional features such as: ・Quick link to the following websites: Toyota, Lexus and Perodua ・Latest updates on promotions and product offers ・Reward points when customers successfully introduce friends to TCAPM’s products.

DEAL (TAFS Indonesia) TAFS has introduced DEAL, a mobile application speciﬁcally designed to ease the salesperson in performing credit functions at Dealerships. TAFS realizes Dealers play an important role as TAFS’ partners in providing the best services to customers. Aiming to build seamless acquisition process with Dealers, DEAL enables the salesperson in performing credit simulation and calculation, uploading customers’ data and credit applications, monitoring credit process and credit decision, while also providing paperless e-purchase order, e-signature, and e-contract. This application is also equipped by E-Know Your Customer, scoring engine, auto decision, sales achievement dashboard and gamiﬁcation to encourage the salesperson's engagement with TAFS products and services.

10 China Region

2020 was an extraordinary year in human history. Yet, in a year ﬁlled with uncertainties, our Toyota sales in China reached 1.8 million units, an increase of 11% compared to industry trends. Our TFS China region contract volume outperformed the growth of automotive sales to a stunning growth rate of 15%.

With our strategic target set, we will continue to develop and expand our business. Our company’s future can be described with one central task and two basic points. Xu Lun I. One Central Task Set each vehicle as our main line to meet the needs of every customer.

II. Two Basic Points 1. Rely on our core competitiveness to seek more proﬁt opportunities. 2. Promote traditional and explore new business, fund new business with our traditional business to seek sustainable growth. Xu Lun CEO, TFS China region

Region Highlights

Core Business Developments in China *As Toyota China’s major financial strategic EV partner, TFS China has been playing an active role in Toyota China’s EV marketing to support its goal of carbon neutrality and sustainable development. TFS China’s continuous endeavor in developing the rental business has also made a helpful attempt for Toyota China’s transformation into a mobility company. *To implement Toyota’s strategy of “software first”, TFS China has been increasing its investments in 2 areas: 1. China’s IT infrastructure construction 2. Improving the customer experience. Through digital transformation and expanding to an online model, TFS China has matched online market platforms such as KINTO with customer demands and realized the large-scale development of TFS’s online business. *In order to provide service for every Toyota car throughout its product life, combined with TCM, TFS has initiated the exploration of used car leasing business and used car wholesale financing business to build a trading platform, and build Certification System, constantly expanding business leasing and providing a rich source of used cars business.

11 Japan Region

In today’s environment, we are seeing the automobile industry entering a period of change, a once in a 100 years transformation. The rapid progress towards a mobility and connected society, where customers preferences are moving from ownership to utilization of vehicles. These changes in customer preferences are also driving changes in the financial services industry. We are seeing the need for more diversification in the field of financial and settlement services. The changes occurring in our environment are accelerating due to the emergence of new payment business using FinTech. We are further faced with increasing competition from startup companies beyond the financial services industry. Toshiyuki Nishi We see these new trends as opportunities and will challenge to create a financial business model unique to Toyota based on the know-hows we cultivated in both sales finance and credit card businesses in the new field of mobility services. As a member of the Toyota Group, we aim to be a company that exceeds the expectations of our customers and stakeholders, and will contribute to society by further increasing corporate value. Toshiyuki Nishi CEO, TFS Japan Region

Strategic ﬁnance products and unique product "Tsukatte Back"*

Tsukatte Back Balloon Finance New and unique products by Toyota “ Tsukatte Back” "Tsukatte Back" is a product in Jan. Feb. Mar. which the Credit Card Points Use 300P 800P 500P TS CUBIC CARD ！ can be used as cash back for monthly payments of Auto 50:50 Finance. ¥450 ¥1200 ¥750 P (Deposit & Guaranteed future value) 1.5 times Points ￥

Tsukatte Back Cash back Monthly Payment for Auto Loans *1 point=JP￥1.5 Jan. Feb. Mar. Apr.

TFC Business Office Locations

Hokkaido Branch Auto Finance (Sapporo)

Dealers (T/L/DH) Headquater Chubu Branch Nagoya Center (Nagoya) Tohoku Branch Individual Corporate (Sendai) Customers Customers Chugoku Shikoku Branch (Okayama) Tokyo Office Kanto Branch Tokyo Center (Tokyo) Kyushu Branch (Fukuoka)

Kinki Branch Credit Card (Osaka)

12 KINTO Mobility Services

LEADING THE TRANSFORMATION TO A MOBILITY COMPANY MESSAGE FROM THE CEO The KINTO brand was launched two years ago to help Toyota Mr. Shinya Kotera lead the transformation from an automotive company to a mobility company. At KINTO, we aspire to provide better mobility for all. We believe mobility means different things to different GLOBAL KINTO WEBSITE people. The global KINTO website recently made its debut to the public It's about providing flexibility of early June. Visitors can visit our website link @: movement to go anywhere, via any https://www.kinto-mobility.com means of transportation, anytime. The KINTO website provides information regarding mobility We strive to make the mobility services available around the world and helps build KINTO experience simple, accessible, and fun. brand awareness.

KINTO SHARE PASSPORT This program will debut in Japan. Japanese tourists traveling abroad will have access to KINTO SHARE services wherever KINTO SHARE is available. This is ﬁrst step towards oﬀering global and seamless KINTO services to KINTO customers worldwide.

KEY Facts About KINTO

1 2 3

4 5 6

+30 KINTO Services >160K # of Countries with KINTO # of Customers Worldwide

13 EVER BETTER MOBILITY FOR ALL Leading the way to a mobility future by adding new and innovative mobility services to our core business of automotive manufacturing, ﬁnancing and insurance.

KINTO EUROPE KINTO brand was launched in Europe in 2019 and have since introduced 4 mobility solutions in diﬀerent markets. Established in April 2021, KINTO Europe regroups KINTO-branded mobility services under one roof to bring increased customer value and further unlock market potential.

Americas Oceania Region Americas Oceania Region provides KINTO mobility services that cover the US, Canada, Puerto Rico, Mexico, Australia, and New Zealand. Currently, KINTO SHARE is the most prevalent oﬀering in this region. The Americas KINTO Brazil (TLAC) Established in July 2020 as a joint venture with Mitsui & Co, KINTO Brazil leverages TFSC's mobility service capability and Mitsui’s business experience and network in Latin America. KINTO Brazil is a Brazilian mobility service provider and is leading the mobility business in Latin America.

Asia Paciﬁc Mainland China Asia KINTO services provide a wide range of mobility KINTO Online Sales Platform is now available services for the region. KINTO services are available in throughout a wide area of Mainland China. The Thailand, Indonesia, Malaysia, Singapore, India, and network has been expanded to 109 Toyota dealers in Philippines. 41 cities since service launched in December 2020. To The region is continuously looking for ways to better provide mobility ﬂexibility, KINTO Share services have provide value for the customers as their mobility needs launched in limited areas. and preferences evolve.

KINTO Japan Founded in January 2019, KINTO has shareholders from Toyota Vehicle & Optional Options Insurance Financial Services, Sumitomo Corporation, Sumitomo Mitsui Banking Corporation and Sumitomo Mitsui Auto Services. Automobile Full Service Maintenance KINTO services include KINTO ONE and FLEX. Customers can Flat Monthly Fee select from 33 Lexus and Toyota vehicles under one monthly ﬂat fee subscription. Repairs Registration Fees

Outline of KINTO ONE 14 TOYOTA Wallet

What is TOYOTA Wallet? TOYOTA Wallet is a digital money App, introduced in Japan by TOYOTA. It brings together a range of payment options in a single app which is connected to a broad network of merchants who accept mobile payments. Why TOYOTA Wallet with TOYOTA? – Mobility for All, Payment for All – As TOYOTA works on transforming itself from a car company to a mobility company, we can see a world where various mobilities are available for all. Customer will have more opportunities to make payments to such mobility services. These services must be provided with a secured and unified settlement method. TOYOTA Wallet will enable the customers to enjoy a wide variety of mobility services with just one App without any concerns and hustle. What TOYOTA Wallet Envisions Cashless payments are just the beginning. On top of the basic payment function, we believe TOYOTA Wallet will be a foundation for a wide variety of life and financial services, to enrich the customers’ life. These services include a personal ID function, an investment function, a financial management tool, a restaurant related tool, a personal scoring, and etc. TOYOTA Wallet is not just as a tool to enjoy TOYOTA’s enhanced customer service for all things mobility related. We aim to develop this App to become a Super App, which will enable the customer to access a range of services in a timely and most suitable manner. Progress and Development Since the initial release of the App in November 2019, the number of TOYOTA Wallet users have been growing steadily. Services around life and financial areas are under development and to be added to the TOYOTA Wallet one by one, so that the users will be able to enjoy a wide variety of services with a registered payment method on the App.

TOYOTA Wallet has also taken a step forward in the world. In order to deliver its services globally, it has deployed resources worldwide and successfully released the ﬁrst non-Japan App for Thailand. TOYOTA Wallet will continue exploring opportunities to develop both in Japan and worldwide, to enrich people’s lives.

15 Toyota Blockchain Lab

Background Blockchain technology can help ensure secure data sharing among various parties through features like highly tamper-resistant and fault-resistant. This technology has the potential to provide more convenient and customized services, improve business eﬃciency, and create new values in our mobility future. TBL Activities Established in April 2019, Toyota Blockchain Lab(TBL) is a virtual organization. It is comprised of 6 companies*. As the catalyst for utilizing technology, TBL has been examining plans for promising applications and promoting demonstration trials while accumulating knowledge. TBL also engages in global collaboration.

*Toyota Motor Corporation, Toyota Financial Services Corporation, Toyota Finance Corporation, Toyota Systems Corporation, Denso Corporation, Toyota Central R&D Labs., Inc.

Main Applications Customers Increasing convenience and improving personal information management. Vehicles Improving various services and creating new services by collecting information regarding vehicle life cycles. Supply chain Improving eﬃciencies on business processes and traceability by recording and sharing information on parts manufacturing, shipping, etc.

Future Direction Expand collaborations with various companies to accelerate initiatives for business implementation.

16 Financial and Operational Performance

In the fiscal year that ended in March 2021, TFS Group posted an outstanding performance, thanks to the strong support and commitment from all sales finance companies around the globe. TFS continues its focus on strengthening its relationships and sales support with worldwide Toyota and Lexus distributors and dealers, to better serve its customers. Serving over 29 million customers worldwide, the global TFS network is supported by sales finance companies in 40 countries.

TFS consolidated proﬁt achieved all-time high historically. This remarkable achievement was mainly due to the support from all our Regions.

Customer Accounts of TFS Group Total Assets of TFS Group Operating Income of TFS Group (Millions) (Billions USD) (Billions USD) 4.2 248.2 30 29.1 250 4 28.0 27.7 225.8 26.8 213.4 213.2 25 200 12.8 3 11.9 12.2 11.5 20 2.5 150 2.3 2.3

15 2

100

10 16.3 15.8 15.8 15.3 1 50 5

0 0 0 2018 2019 2020 2021 2018 2019 2020 2021 2018 2019 2020 2021

Credit Card Sales Finance

Fiscal year ending March 31.

TOYOTA GAZOO Racing

17 Americas Oceania Europe/Africa USA Germany Toyota Motor Credit Corporation (TMCC) Toyota Kreditbank GmbH (TKG) KINTO Europe GmbH (KEU) Puerto Rico KINTO Deutschland GmbH (KDE) Toyota Credit de Puerto Rico Corporation (TCPR) UK Canada Toyota Financial Services (UK) PLC (TFSUK) Toyota Credit Canada Inc. (TCCI) KINTO UK Ltd. (KINTO UK) Brazil Finland Banco Toyota do Brasil S.A. (BTB) Toyota Finance Finland Oy (TFF) KINTO Brasil Serviços de Mobilidade Ltda. (KINTO Brasil) Italy Venezuela Toyota Financial Services Italy (TFSI) Toyota Services de Venezuela, C.A. (TSV) KINTO Italia SpA (KIT) Mexico Norway Toyota Financial Services Mexico, S.A. de C.V. (TFSMX) Toyota Financial Services Norway (TFSN) Argentina France Toyota Compañía Financiera de Argentina S.A. (TCFA) Toyota Financial Services France (TFSF) Australia KINTO France SAS (KFR) Toyota Finance Australia Ltd. (TFA) Sweden New Zealand Toyota Financial Services Sweden (TFSSW) Toyota Finance New Zealand Ltd. (TFNZ) Poland Toyota Bank Polska S.A. (TBP)

Asia/Paciﬁc South Africa Thailand Toyota Financial Services South Africa Ltd. (TFSSA) Toyota Leasing (Thailand) Co., Ltd. (TLT) Czech Malaysia Toyota Financial Services Czech s.r.o. (TFSCZ) Toyota Capital Malaysia Sdn. Bhd. (TCAPM) Denmark Philippines Toyota Financial Services Danmark A/S (TFSDK) Toyota Financial Services Philippines Corporation (TFSPH) Hungary Taiwan Toyota Financial Services Hungary Zrt. (TFSH) Hotai Finance Corporation (HFC) Spain Hotai Leasing Corporation (HLC) Toyota Financial Services España (TFSES) Korea Toyota Fleet Mobility España S.L. (TFMES) Toyota Financial Services Korea Co., Ltd. (TFSKR) Slovakia Indonesia Toyota Financial Services Slovakia s.r.o. (TFSSK) PT Toyota Astra Financial Services (TAFS) Russia Vietnam AO Toyota Bank (TBR) Toyota Financial Services Vietnam Co., Ltd. (TFSVN) Kazakhstan India Toyota Financial Services Kazakhstan MFO LLP (TFSKZ) Toyota Financial Services India Ltd. (TFSIN) Portugal Singapore Toyota Financial Services Portugal (TFSPT) Toyota Financial Services Singapore Pte Ltd. (TFSSG) Finlog - Aluguer e Comércio de Automóveis S.A. (Finlog) Ireland Japan Toyota Financial Services (Ireland) DAC (TFSIR)

Japan Austria Toyota Finance Corporation (TFC) Toyota Financial Services Austria (TFSAT) KINTO Corporation (KINTO) Belgium China Toyota Financial Services Belgium S.A / N.V (TFSBE) China Netherlands Toyota Motor Finance (China) Co., Ltd. (TMFCN) Toyota Motor Finance (Netherlands) B.V. (TMFNL) Toyota Motor Leasing (China) Co., Ltd. (TMLCN) Toyota Financial Services (China) Corporation (TFSCN)

As of July 2021