1. Copyright © 2007 Accenture All Rights Reserved. Toyota Financial Services Business Driven Innovation Shaun Coyne Chief Information Officer

2. Copyright © 2007 Accenture All Rights Reserved. TFS: Background Company Background Subsidiary of Toyota Motor Corporation (TMC), part of worldwide Toyota Financial Services Corporation (TFSC) 3 rd largest captive finance company, 8 th largest finance company in the United States 3,000+ employees, managed assets in excess of $65 billion Includes Toyota Motor Credit (TMCC), Toyota Motor Insurance (TMIS) 2007 Competitive Position Sustained Growth of Lexus / Toyota Increased competition from Non-captives, Credit Unions Direct to our customers Direct to our dealers © 2007 Toyota Financial Services - Confidential

3. Copyright © 2007 Accenture All Rights Reserved. Company Background Subsidiary of Toyota Motor Corporation (TMC), part of worldwide Toyota Financial Services Corporation (TFSC) 3 rd largest captive finance company, 8 th largest finance company in the United States 3,000+ employees, managed assets in excess of $65 billion Includes Toyota Motor Credit (TMCC), Toyota Motor Insurance (TMIS) 2007 Competitive Position Sustained Growth of Lexus / Toyota Increased competition from Non-captives, Credit Unions Direct to our customers Direct to our dealers Our business goals were being hindered, not enabled by our aging technology Scale Profitably Operational Efficiency through Automation Data to drive business decisions, improved controls, and reduce risk Market Forces are driving business need Market Leading Service World class, flexible customer-centric service Ability to leverage and deepen relationships Rapidly evolving business needs could not be met with the limitations of the legacy technology infrastructure Aging Technology Putting a strain on IT Business Imperatives Sustained Growth of Lexus / Toyota Increased Competition © 2007 Toyota Financial Services - Confidential

4. Copyright © 2007 Accenture All Rights Reserved. We had a long way to go when we started our transformation to High Performance in 2003 Complex, Expensive, and Inefficient 25+ year old infrastructure was off-release and highly customized. To our business, this translated to: High cost and long timelines for business enhancements Constrained, inflexible reporting and data insight Limitations in CRM and self-service capabilities Lack of monitoring tools / performance metrics Highly manual processes to compensate for system limitations and lack of automation The result Spiraling costs / resources Inability to differentiate through technology / automation Frustration from our business Characteristics of Legacy System: Circa 2003 © 2007 Toyota Financial Services - Confidential

5. Copyright © 2007 Accenture All Rights Reserved. What lies ahead Consumer Finance Transformation - Multi-year program - New Core Receivables Platform - Call Center, Web, and IVR Capabilities - Customer Master Implementation - Data Warehouse and Reporting Engine - Service Oriented Architecture Integration © 2007 Toyota Financial Services - Confidential

6. Copyright © 2007 Accenture All Rights Reserved. Shaun Coyne Toyota Financial Services 19001 South Western Ave, NF32 Torrance, CA 90501 (310) 468-4393 Shaun_Coyne@Toyota.com Shaun_Coyne@Toyota.com Questions?