1. © Hitachi Capital (UK) PLC 2016. All rights reserved. 1 Overview: HCUK Hitachi Capital (UK) PLC Non-captive UK lease and consumer finance company £3.3 billion in assets Incorporated 1982

2. © Hitachi Capital (UK) PLC 2016. All rights reserved. 2 Overview: Ownership Hitachi Capital (UK) PLC (“HCUK”) HCC’s largest foreign subsidiary being 19% of assets and 39% of operating profit, Leasing, Consumer Finance PoS, Vehicle Op Lease, MTN Issues guaranteed by HCC Issue rating S&P A- Hitachi Capital Corp (“HCC”) Based in Japan, leasing, consumer finance (instalments credits, cards), HP, loan performance guarantees and insurance quoted on TKY SE, 40% publically held Assets JPY 2.952 trillion (£16.6bn), Revenue JPY 356bn (£2bn)* S&P A- (outlook –ve), R&I A+, JCR AA- Hitachi Ltd Large heavy industrial, infrastructure & technology, 76% Japan & Asia by revenue, Assets JPY 12,809 trillion (£69.9bn), Revenue JPY 9.774 trillion (£54.9 bn)* S&P A-, Moodys A3, R&I A+ (all Stable) 60% 100% (*March 2015 Results and exchange rates)

3. © Hitachi Capital (UK) PLC 2016. All rights reserved. 3 Overview: HCUK Key Figures Mar 15 Balance Sheet Year to Mar 15 P&L Assets (Earning assets) £3,291mOperating Costs£98m Total Debt Finance£2,774mInterest Cost£41m Equity£235mPBT£84m ( Source: HCUK Financial Statements 31 st March 2015) Half year unaudited to Sep 15 Assets £3.5 bn Debt Finance £3.0 bn Equity £260m PBT £46.8m)

4. © Hitachi Capital (UK) PLC 2016. All rights reserved. 4 Overview: Office Locations HCCF Leeds HCIF Telford HCDIC Leicestershire Head Office & HCBF Staines-Upon-Thames HCVS (HCV) Trowbridge HCVS (Car & LCV) Newbury

5. © Hitachi Capital (UK) PLC 2016. All rights reserved. 5 Key Performance Measures: £ million 201020112012201320142015Sep 15* Assets (excl. hedging derivatives) £1,336£1,533£1,716£2,126£2,765£3,419£3,670 Operating Costs £41£51£54£66£86£98£56.5 as a % of Assets 3.1%3.3%3.1% 2.9%3.1%* Operating Profit (PBT before IAS39) £15.3£28.5£50.1£57.1£69£84£46.6 as a % of Assets 1.1%1.9%2.9%2.7%2.5% 2.6%* *Sourced from unaudited half yearly statements *(6 Months only – doubled for ratio)

6. © Hitachi Capital (UK) PLC 2016. All rights reserved. 6 Guarantor Hitachi Capital Corp S&P Long Term : A- Outlook: Negative Short Term : A-2 R&I Issuer Rating: A+ Outlook: Stable Short Term: a-1 Japan Credit Rating Agency Long Term Issuer: AA- Outlook: Stable Short Term: J-1+ S&P EMTN Programme rating: A- with Negative outlook. Issues under the programme guaranteed by parent (Source: Bloomberg 15 th Nov 2013) Ratings and guarantee: