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