Where is the mircophone located for the bluetooth?, so I know where to speak into.

 

The microphone is in the HFL unit located with the overhead sunroof control.

However, you should speak normally with eyes forward when using the HFL rather than speaking towards the mike.
If the HFL is working properly, people will not know you are on a speakerphone.

FWIW, the HFL dials and responds better when you rattle off numbers quickly rather than saying them slowly.