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>> My name is Jason Swanson.

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I'm currently a portfolio manager
for Toyota Financial Services.

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I work out of our corporate
office in Southern California.

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Toyota, well-known company, well-known brand.

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Toyota Financial Services is the
captive finance arm of Toyota.

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And I work with our National
Accounts Department.

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So I work with large dealer groups,
such as Penske Automotive, Auto Nation,

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Keyes Auto Group, any dealership that feeds into
a parent company that's either publicly traded,

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or has multiple dealerships spanning either
multiple regions across the United States,

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or have operations coast to coast.

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And so, essentially, as a portfolio manager,
what I do is I manage that relationship

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with a select number of the dealer groups.

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For all of our products and services.

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Our three core products that we offer at
Toyota Financial Services are financing

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to retail customers, as well as
insurance products to retail customers.

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So this would be the Jane and Joe
Smiths that walk into a dealership

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and decide to purchase a vehicle.

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And they need either leasing or financing
solutions for the acquisition of that vehicle.

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And so, most dealerships have a multitude
of finance sources they can work with.

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And we're just one of those finance sources.

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So we're competing against the
other big-name banks out there.

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The Wells Fargos, the Chases; credit
unions is a big source of our competition.

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So, my goal is to work with the corporate
level of these dealer groups to make sure

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that they're reinforcing at
each of their individual stores,

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and of course the emphasis being the Toyota
and Lexus stores, that they're selling

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and promoting our product and
sending retail customers our way,

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rather than sending them to
alternate finance sources.

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So a lot of times, dealerships will
come to us, and they'll need financing

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for capital improvement projects,
real estate projects,

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construction projects, inventory financing.

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Whatever the case may be, we're essentially
a lending source that they draw upon.

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And essentially, I'm reviewing contractual
obligations, credit agreements, lending terms

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and conditions that the dealers make from us.

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And I'm negotiating those with the dealer groups
to essentially arrive at terms and conditions

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that are satisfying both parties.