Key factors to consider before investing include:
- Your investment is not a bank account and is not insured by the Federal Deposit Insurance Corporation or any other insurance.
- The Notes are not an investment in a money market mutual fund and are not subject to the requirements of the Investment Company Act of 1940 (including requirements relating to diversification and quality of investments).
- The Notes are not obligations of or guaranteed by Ford Motor Company, the Agent Bank or anyone else.
- The Notes are unsecured obligations of Ford Credit and only Ford Credit's assets that have not been sold or securitized are available to pay the principal of and interest on the Notes. It is possible for you to lose some or all of your investment in the Notes, including accrued interest, if Ford Credit is unable to pay its debts, becomes bankrupt or seeks creditor protection.
- The Notes are not transferable.
Investment in the Notes involves certain risks. See "Risk Factors" beginning on Page 6 of this prospectus.
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