pany’s retail customers, such as financing and insurance. Trademarks: HDFS uses various trademarks and trade names for its financial services and products which are licensed from H-D U.S.A., LLC, including HARLEY-DAVIDSON, H-D and the Bar & Shield logo. Seasonality – In the United States and Canada, motorcycles are primarily used during warmer months. Accordingly, HDFS experiences seasonal variations in retail financing activities based on the timing of regional riding seasons. In general, from mid-March through August, retail financing volume is greatest. HDFS wholesale financing volume is affected by inventory levels at Harley-Davidson dealers and distributors. . To a lesser extent than in years prior to the implementation of flexible production, dealers generally have higher inventory levels of new and used motorcycles in the late fall and winter than during the spring and summer riding season. As a result, wholesale financing volume is higher during fall and winter as compared to the rest of the year. Regulation A subsidiary of HDFS, ESB, is a Nevada state thrift chartered as an Industrial Loan Company. As such, the activities of this subsidiary are governed by federal laws and regulations as well as state of Nevada banking laws, and are subject to examination by the Federal Deposit Insurance Corporation and Nevada state bank examiners. The Dodd-Frank Wall Street Reform and Consumer Protection Act, which was passed into law in 2010, granted the federal Consumer Financial Protection Bureau significant supervisory, enforcement, and rule-making authority in the area of consumer financial products and services. ESB originates retail loans and sells the loans to a non-banking subsidiary of HDFS. This process allows HDFS to offer retail products with many common characteristics across the United States and to similarly service loans to the United States retail customers. History Harley-Davidson, Inc. was founded in 1903. The company was incorporated in 1981.
harley-davidson inc (HOG:New York)
3700 West Juneau Avenue
Milwaukee, WI 53208
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