| Results                  of Continuing Operations:                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | 2005   |    |   | 2004   |   |    | 2003   |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |
| Revenues                                                                                                                                    |   | $      | 354.0   |   |   | $      | 312.6   |   |   | $ | 328.1 |   |
| Income                  from Continuing                  Operations                                                                         |   |   | 79.2    |   |   |   | 74.5    |   |   |   | 42.5 |   |
| Dividends                  paid                                                                                                             |   |   | ----    |   |   |   | ----    |   |   |   | 50.0 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
| Percentage                  of income from continuing operations                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |   |    |   |   |   |    |   |   |   |   |   |
| to                  average shareowner’s                  equity                                                                      |   |   | 16.8    | %      |   |   | 19.3    | %      |   |   | 12. | % |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
| Financial                  Data:                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |   |    |   |   |   |    |   |   |   |   |   |
| Finance                  Receivables,                  net                                                                                  |   | $      | 3,410.2 |   |   | $      | 3,020.7 |   |   | $ | 2,72.0 |   |
| Total                  assets                                                                                                               |   |   | 4,588.3 |   |   |   | 3,945.5 |   |   |   | 4,271.4 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
| Total                  debt                                                                                                                 |   |   | 3,962.1 |   |   |   | 3,319.4 |   |   |   | 3,743.9 |   |
| Shareholder’s                  equity                                                                                                 |   |   | 512.9   |   |   |   | 432.0   |   |   |   | 338.0 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
| Debt                  to equity                  ratio                                                                                      |   | 7.7:1  |    |   | 7.7:1  |   |    | 11.1:1 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
| Number                  of employees at October                  31                                                                         |   |   | 283     |   |   |   | 260     |   |   |   | 245 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
| Result                  of Discontinued Operations:                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |    |   |   |   |    |   |   |   |   |   |
| Revenues                                                                                                                                    |   | $      | ----    |   |   | $      | ----    |   |   | $ | ---- |   |
| Income                  (loss)                                                                                                              |   | $      | ----    |   |   | $      | ----    |   |   | $ | (2.4 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
| Number                  of employees at October                  31                                                                         |   |   | ----    |   |   |   | ----    |   |   |   | ---- |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |    |   |   |   |    |   |   |   |   |   |

----

| Gross                  Finance Receivablesand                  Leases Originated:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   | 2005   |    |   | 2004   |   |    | 2003   |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|
| Wholesale                  notes                                                                                                                                                                                             |   | $      | 5,296.4 |   |   | $      | 4,312.4 |   |   | $ | 3,168.7 |   |
| Retail                  notes and leases:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |   |    |   |   |   |    |   |   |   |   |   |
| New                                                                                                                                                                                                                                                             |   |   | 1,604.4 |   |   |   | 1,343.7 |   |   |   | 1,004.5 |   |
| Used                                                                                                                                                                                                                                                            |   |   | 283.9   |   |   |   | 264.8   |   |   |   | 307.4 |   |
| Total                                                                                                                                                                                                                                                                                              |   |   | 1,888.3 |   |   |   | 1,608.5 |   |   |   | 1,311.9 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
| Total                                                                                                                                                                                                                                                           |   | $      | 7,184.7 |   |   | $      | 5,920.9 |   |   | $ | 4,480.6 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
| Serviced                  Retail Notes and Leaseswith                  Installments Past Due Over 60 days:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   | 2005   |    |   | 2004   |   |    | 2003   |   |
| Original                  amount of notes and                  leases                                                                                                                                                        |   | $      | 34.1    |   |   | $      | 28.3    |   |   | $ | 28.6 |   |
| Balance                  of notes and                  leases                                                                                                                                                                |   |   | 12.7    |   |   |   | 9.7     |   |   |   | 10.7 |   |
| Balance                  as a percentage of totaloutstanding  notes                  and                  leases                                                                                                   |   |   | 0.35    | %      |   |   | 0.30    | %      |   |   | 0.36 | % |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |
| Serviced                  Retail Notes and LeasesRepossessions:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   | 2005   |    |   | 2004   |   |    | 2003   |   |
| Retail                  note and lease repossessions acquired as a percentage of average                  serviced                  retail note and lease balances                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |   | 0.86    | %      |   |   | 1.42    | %      |   |   | 2.85 | % |
| Acquisitions                  of vehicle                  inventory                                                                                                                                                          |   | $      | 49.4    |   |   | $      | 40.0    |   |   | $ | 68.2 |   |
| Vehicle                  inventory, end of                  period                                                                                                                                                           |   |   | 8.4     |   |   |   | 26.6    |   |   |   | 34.8 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |    |   |   |   |    |   |   |   |   |   |

----

| Credit                  Loss Experience on Serviced Receivables:                                                                                                                                                                                                                                                                                                                                                                                                                               |   | 2005   |   |   | 2004   |   |   | 2003   |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
| NFC                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |   |   |   |   |   |   |   |   |
| Net                  losses (recoveries):                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |   |   |   |   |   |   |   |   |
| Retail                  notes and                  leases:                                                                       |   | $      | 6.8    |   |   | $      | 10.5   |   |   | $ | 14.7 |   |
| Wholesale                  notes                                                                                                 |   |   | 0.0    |   |   |   | 0.0    |   |   |   | 0.0 |   |
| Accounts                                                                                                                         |   |   | 0.1    |   |   |   | 1.9    |   |   |   | 0.0 |   |
| Total                                                                                                                                                                    |   | $      | 6.9    |   |   | $      | 12.4   |   |   | $ | 14.7 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
| International                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                  losses (recoveries):                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail                  notes and                  leases:                                                                       |   | $      | 6.6    |   |   | $      | 10.4   |   |   | $ | 24.1 |   |
| Total                                                                                                                                                                    |   | $      | 13.5   |   |   | $      | 22.8   |   |   | $ | 38.8 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
| NFC                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |
| Percent                  net losses (recoveries) to                  liquidations:                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail                  notes and                  leases:                                                                       |   |   | 0.50   | %      |   |   | 0.80   | %      |   |   | 1.10 | % |
| Wholesale                  notes                                                                                                 |   |   | 0.00   | %      |   |   | 0.00   | %      |   |   | 0.00 | % |
| Total                                                                                                                                                                    |   |   | 0.50   | %      |   |   | 0.80   | %      |   |   | 1.10 | % |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
| International                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |
| Percent  net                  losses (recoveries)to                  liquidations:                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail                  notes and                  leases:                                                                       |   |   | 0.49   | %      |   |   | 0.79   | %      |   |   | 1.80 | % |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
| NFC                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |
| Percent                  net losses (recoveries)to                  related average grossportfolio                  outstanding:                                                                                                                                                                                                                                                                                                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail                  notes and                  leases:                                                                       |   |   | 0.20   | %      |   |   | 0.36   | %      |   |   | 0.51 | % |
| Wholesale                  notes                                                                                                 |   |   | 0.00   | %      |   |   | 0.00   | %      |   |   | 0.00 | % |
| Accounts                                                                                                                         |   |   | 0.00   | %      |   |   | 0.05   | %      |   |   | 0.00 | % |
| Total                                                                                                                                                                    |   |   | 0.20   | %      |   |   | 0.41   | %      |   |   | 0.51 | % |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
| International                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |
| Percent  net                  losses (recoveries)to                  related average grossportfolio                  outstanding:                                                                                                                                                                                                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail                  notes and                  leases:                                                                       |   |   | 0.2    | %      |   |   | 0.35   | %      |   |   | 0.84 | % |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |

----