Ford Motor Company manufactures or distributes automobiles in addition to offering financial services. The company sells to dealerships for retail sales and for sale to fleet customers, including commercial fleet customers, daily rental car companies, and governments. Ford’s vehicle portfolio includes automobiles, buses, tractors, and trucks. Retail financing includes retail installment sale contracts for new and used vehicles and direct financing leases for new vehicles to retail customers, government entities, daily rental car companies, and fleet customers. Finance receivables in the non-consumer portfolio include products offered to automotive dealers. Ford’s environmental initiatives include compressed natural gas, flexible fuel vehicles, electric drive vehicles, Hydrogen, PC power management, and so on. Ford Motor Company was founded by Henry Ford in 1903 and is headquartered in Dearborn, Michigan.