Document:

Exhibit 10.2

 

EXECUTION COPY

 

FIRST AMENDMENT

 

FIRST AMENDMENT, dated as of April 22, 2011 (this “Amendment”), to the 49-Month Credit Agreement, dated as of February 28, 2011 (as amended, modified, restated and supplemented through the date hereof, the “Existing Credit Agreement”), among DEERE & COMPANY, a Delaware corporation, JOHN DEERE CAPITAL CORPORATION, a Delaware Corporation and JOHN DEERE BANK S.A., a Luxembourg société anonyme (collectively with Deere & Company and John Deere Capital Corporation, the “Borrowers”), the several financial institutions parties thereto (the “Banks”, and individually, a “Bank”), the several agents parties thereto and JPMORGAN CHASE BANK, N.A., as administrative agent (the “Administrative Agent”).

 

W  I  T  N  E  S  S  E  T  H:

 

WHEREAS, pursuant to the Existing Credit Agreement, the Banks have agreed to make certain loans and other extensions of credit to the Borrowers;

 

WHEREAS, the Borrowers have requested that certain provisions of the Existing Credit Agreement be amended as set forth herein; and

 

WHEREAS, the Majority Banks are willing to agree to such amendments on the terms set forth herein;

 

NOW, THEREFORE, the parties hereto hereby agree as follows:

 

SECTION 1.   Defined Terms.  Capitalized terms used but not defined herein shall have the meanings assigned to such terms in the Existing Credit Agreement.

 

SECTION 2.   Amendment to Section 5.1.

 

Section 5.1 of the Existing Credit Agreement is hereby amended in its entirety to read as follows:

 

“5.1  Financial Statements.  Such Borrower (other than, with respect to clause (b) below, JD Luxembourg) shall furnish to each Bank:

 

(a)                               as soon as available, but in any event within 120 days after the end of each fiscal year of such Borrower, a copy of the consolidated balance sheet of such Borrower and its consolidated Subsidiaries as at the end of such year and the related consolidated statements of income and of cash flow for such year, reported on by (i) in the case of the Company and the Capital Corporation, Deloitte & Touche LLP or other independent certified public accountants of nationally recognized standing in the United States and (ii) in the case of JD Luxembourg, Deloitte & Touche LLP or other independent certified public accountants of recognized standing in Luxembourg or the European Union; and

 

(b)                               as soon as available, but in any event not later than 60 days after the end of each of the first three quarterly periods of each fiscal year of such Borrower, the condensed unaudited consolidated balance sheet of such Borrower and its consolidated Subsidiaries as at the end of each such quarter and the related unaudited consolidated statement of income of such Borrower and its consolidated Subsidiaries for such quarterly period and the portion of the fiscal year through such date, certified by a Responsible Officer of such Borrower (subject to normal year-end audit adjustments).

 

 

All such financial statements described in clause (a) or (b) above shall present fairly the consolidated financial condition and results of operations of such Borrower and its consolidated Subsidiaries and be prepared in accordance with generally accepted accounting principles in the United States of America (or, in the case of any such financial statements furnished by JD Luxembourg, international financial reporting standards in effect from time to time as applicable to JD Luxembourg, or such other accounting standards required by any applicable Luxembourg Governmental Authority) applied consistently throughout the periods reflected therein (except as approved by such accountants or officer, as the case may be, and disclosed therein).  The Company and the Capital Corporation shall be deemed to have furnished such financial statements to each Bank when they are filed with the Securities and Exchange Commission and posted on its EDGAR system, and JD Luxembourg shall be deemed to have furnished such financial statements to each Bank when they are delivered to the Administrative Agent via electronic mail or other electronic transmission.”

 

SECTION 3.   Amendment to Section 5.2.  Section 5.2 is hereby amended to insert the phrase “(other than, with respect to clause (a) below, JD Luxembourg)” after the word “Borrower” where it appears in the first line therein.

 

SECTION 4.   Effective Date.  This Amendment shall become effective on the date (the “First Amendment Effective Date”) on which the Administrative Agent shall have received a counterpart of this Amendment, executed and delivered by a duly authorized officer of each of the Borrowers and the Majority Banks.

 

SECTION 5.   Expenses.  The Borrower agrees to pay or reimburse the Administrative Agent for all of its reasonable out-of-pocket costs and expenses incurred in connection with this Amendment, any other documents prepared in connection herewith and the transaction contemplated hereby, including, without limitation, the reasonable fees and disbursements of counsel to the Administrative Agent.

 

SECTION 6.   Representations and Warranties.  The Borrowers hereby represent and warrant that (a) each of the representations and warranties made in Section 3 of the Credit Agreement shall be, after giving effect to this Amendment, true and correct in all material respects as if made on and as of the First Amendment Effective Date except to the extent such representations and warranties expressly relate to an earlier date and (b) after giving effect to this Amendment, no Default or Event of Default shall have occurred and be continuing.

 

SECTION 7.   GOVERNING LAW; WAIVER OF JURY TRIAL.  THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HERETO SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.  EACH PARTY HERETO HEREBY AGREES AS SET FORTH IN SECTION 10.11 OF THE CREDIT AGREEMENT AS IF SUCH SECTION WERE SET FORTH IN FULL HEREIN.

 

SECTION 8.   Amendments; Execution in Counterparts.  (a) This Amendment shall not constitute an amendment of any other provision of the Existing Credit Agreement not referred to herein and shall not be construed as a waiver or consent to any further or future action on the part of the Borrowers that would require a waiver or consent of the Banks or the Administrative Agent.  Except as expressly amended hereby, the provisions of the Existing Credit Agreement are and shall remain in full force and effect.

 

2

 

(b)                               This Amendment may be executed by one or more of the parties to this Amendment on any number of separate counterparts (including by facsimile or other electronic transmission), and all of said counterparts taken together shall be deemed to constitute one and the same instrument.

 

[Remainder of page intentionally left blank.]

 

3

 

IN WITNESS WHEREOF, the parties hereto have caused this First Amendment to be duly executed and delivered by their respective proper and duly authorized officers as of the day and year first above written.

 

	
 
    	
DEERE &   COMPANY
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/ Marie Z. Ziegler
    	
 
    
	
 
    	
Name: Marie Z. Ziegler
    	
 
    
	
 
    	
Title: Vice President   and Treasurer
    	
 
    
	
 
    	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    
	
 
    	
JOHN DEERE CAPITAL   CORPORATION
    
	
 
    	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Marie Z. Ziegler
    	
 
    
	
 
    	
Name: Marie Z. Ziegler
    	
 
    
	
 
    	
Title: Treasurer
    	
 
    
	
 
    	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    	
 
    
	
 
    	
JOHN DEERE BANK S.A.
    	
 
    
	
 
    	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Marie Z. Ziegler
    	
 
    
	
 
    	
Name: Marie Z. Ziegler
    	
 
    
	
 
    	
Title: Director
    	
 
    

 

 

	
 
    	
By:
    	
/s/ Nils Jaeger
    	
 
    
	
 
    	
Name: Nils Jaeger
    
	
 
    	
Title: Director
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
JPMORGAN CHASE BANK,   N.A.,
    
	
 
    	
as Administrative Agent
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/ Robert P. Kellas
    	
 
    
	
 
    	
Name: Robert P. Kellas
    
	
 
    	
Title: Executive   Director
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
JPMORGAN CHASE BANK,   N.A.
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/ Robert P. Kellas
    	
 
    
	
 
    	
Name: Robert P. Kellas
    
	
 
    	
Title: Executive   Director
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
BANK OF AMERICA, N.A.,
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Brian Lukehart
    	
 
    
	
 
    	
Name: Brian Lukehart
    
	
 
    	
Title: Vice President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
Citibank, N.A.
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Janice D’Arco
    	
 
    
	
 
    	
Name: Janice D’Arco
    
	
 
    	
Title: Vice President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
Deutsche Bank AG
    
	
 
    	
New York Branch
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Oliver Schwarz
    	
 
    
	
 
    	
Name: Oliver Schwarz
    
	
 
    	
Title: Director
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/ Wolfgang Winter
    	
 
    
	
 
    	
Name: Wolfgang Winter
    
	
 
    	
Title: Managing   Director
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
HSBC Bank USA, National   Association
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Paul L. Hatton
    	
 
    
	
 
    	
Name: Paul L. Hatton
    
	
 
    	
Title: Managing   Director
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
Credit Suisse AG,   Cayman Islands Branch
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Karl Studer
    	
 
    
	
 
    	
Name: Karl Studer
    
	
 
    	
Title: Director
    

 

 

	
 
    	
By:
    	
/s/ Claudia Siffert
    	
 
    
	
 
    	
Name: Claudia Siffert
    
	
 
    	
Title: Assistant Vice   President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
The Bank of New York   Mellon
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Robert J. Mitchell, Jr.
    	
 
    
	
 
    	
Name: Robert J.   Mitchell, Jr.
    
	
 
    	
Title: Managing   Director
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
ROYAL BANK OF CANADA
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Meredith Majesty
    	
 
    
	
 
    	
Name: Meredith Majesty
    
	
 
    	
Title: Authorized   Signatory
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
Wells Fargo Bank, N.A.
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Charles W. Reed
    	
 
    
	
 
    	
Name: Charles W. Reed
    
	
 
    	
Title: Managing   Director
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
TORONTO-DOMINION   (TEXAS) LLC
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Debbie L. Brito
    	
 
    
	
 
    	
Name: Debbie L. Brito
    
	
 
    	
Title: Authorized   Signatory
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
THE TORONTO-DOMINION   BANK
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Debbie L. Brito
    	
 
    
	
 
    	
Name: Debbie L. Brito
    
	
 
    	
Title: Authorized   Signatory
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
BNP Paribas
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Andy Strait
    	
 
    
	
 
    	
Name: Andy Strait
    
	
 
    	
Title: Managing   Director
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Mike Shryock
    	
 
    
	
 
    	
Name: Mike Shryock
    
	
 
    	
Title: Managing   Director
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

 

	
 
    	
BARCLAYS BANK PLC
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Michael J. Mozer
    	
 
    
	
 
    	
Name: Michael J. Mozer
    
	
 
    	
Title: Vice President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
Banco Bilbao Vizcaya   Argentaria, S.A., New York Branch,
    
	
 
    	
as a bank
    
	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Michael D’Anna
    	
 
    
	
 
    	
Name: Michael D’Anna
    
	
 
    	
Title: Executive   Director
    
	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Guilherme Gobbo
    	
 
    
	
 
    	
Name: Guilherme Gobbo
    
	
 
    	
Title: Vice President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
The Bank of   Tokyo-Mitsubishi UFJ, Ltd.
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Victor Pierzchalski
    	
 
    
	
 
    	
Name: Victor   Pierzchalski
    
	
 
    	
Title: Authorized   Signatory
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
Westpac Banking   Corporation
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Richard Yarnold
    	
 
    
	
 
    	
Name: Richard Yarnold
    
	
 
    	
Title:
    	
Senior Relationship   Manager
    
	
 
    	
 
    	
Corporate &   Institutional Banking
    
					

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
Nordea Bank Finland   Plc, acting through its New York
    
	
 
    	
and Cayman Islands   Branches
    
	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Martin Lunder
    	
 
    
	
 
    	
Name: Martin Lunder
    
	
 
    	
Title: Senior Vice   President
    

 

 

	
 
    	
By:
    	
/s/ Leena Parker
    	
 
    
	
 
    	
Name: Leena Parker
    
	
 
    	
Title: First Vice   President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
Fifth Third Bank
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Mike Mendenhall
    	
 
    
	
 
    	
Name: Mike Mendenhall
    
	
 
    	
Title: Vice President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
U.S. BANK NATIONAL   ASSOCIATION
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Navneet Khanna
    	
 
    
	
 
    	
Name: Navneet Khanna
    
	
 
    	
Title: Vice President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
GOLDMAN SACHS BANK USA
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Lauren Day
    	
 
    
	
 
    	
Name: Lauren Day
    
	
 
    	
Title: Authorized Signatory
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
MORGAN STANLEY BANK,   N.A.
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Brian Janiak
    	
 
    
	
 
    	
Name: Brian Janiak
    
	
 
    	
Title: Authorized   Signatory
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]

 

 

	
 
    	
The Northern Trust   Company
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ Michael Nitekman
    	
 
    
	
 
    	
Name: Michael Nitekman
    
	
 
    	
Title: Vice President
    

 

[Signature Page to First Amendment to Deere & Company 49-Month Credit Agreement]Exhibit 4.1

 

EXECUTION COPY

 

JOHN DEERE CAPITAL CORPORATION

 

JDCC InterNotes®

 

Due Nine Months or More from Date of Issue

 

AMENDMENT TO DISTRIBUTION AGREEMENT

 

Reference is made to the Distribution Agreement dated as of February 26, 2009, as amended by the Assignment and Acceptance Agreement dated as of August 12, 2009 (together the “Distribution Agreement) between John Deere Capital Corporation (the “Company”), InCapital LLC (the “Purchasing Agent”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (the “Agent”).  The Company, the Purchasing Agent and the Agent agree as follows:

 

(1)        All capitalized terms used herein and not otherwise defined shall have the respective meanings ascribed to them in the Distribution Agreement.

 

(2)        The Distribution Agreement is hereby amended (“Amendment”) as follows:

 

(a)        to revise the definition of “Registration Statement” to refer to the automatic registration statement on Form S-3 ASR (Registration Statement No. 333-173672) filed by the Company under the Securities Act of 1933, as amended, with the Securities and Exchange Commission on April 21, 2011.

 

(b)        to replace the Notes with a new series of notes, InterNotes® (the “New Notes”) that as of April 21, 2011 the Company has authorized the issuance and sale of up to $1,500,000,000 aggregate principal amount (or its equivalent based upon the applicable exchange rate at the time of the applicable trade date, in one or more foreign currencies designated by the Company) to or through the Purchasing Agent as agent of the Company in soliciting offers for the purchase of New Notes.

 

(c)        to revise Section 1(a) to delete the sentence: “the Company agrees that it will not appoint any other agents to act on its behalf, or to assist it, in the placement of Notes”, and replace the sentence with the following: “the Company agrees that it will appoint Merrill Lynch, Pierce Fenner & Smith Incorporated to act as Agent to assist the Purchasing Agent with the resale of New Notes.”

 

(d)        to revise Section 3(a) to delete the sentence: “each purchase of Notes, unless otherwise agreed, shall be at a discount from the principal amount of each such Note equivalent to the applicable commission set forth in Schedule A hereto”, and replace the sentence with the following: “each purchase of Notes, unless otherwise agreed, shall be at a discount from the principal amount of each such Note.  Such discount shall be equivalent to the applicable commission set forth in Schedule A hereto until the first $603,650,000 principal amount of Notes are sold.  Thereafter, such discount shall be equivalent to the applicable commission set forth in Schedule B hereto.”

 

 

(e)        to add a new Schedule B in the form attached as Exhibit A hereto.

 

(f)         for purposes of Sections 2, 5, 7, 8, 9, 11, 12(a), 14 and 15, any and all references to the Purchasing Agent shall be deemed to be the Purchasing Agent and the Agent and the terms “at the date hereof” or “on the date hereof” shall mean April 21, 2011.

 

(g)        to revise Section 13 to include the following language:

 

If to the Purchasing Agent:

 

Incapital LLC

200 S. Wacker Drive, Suite 300

Chicago, Illinois 60606

Attention:

Facsimile: (312) 379-3701

 

If to the Agent:

 

Merrill Lynch, Pierce, Fenner & Smith

Incorporated

One Bryant Park

New York, New York 10036

Attention: MTN Product Management Group

Facsimile: (646) 855-5958

 

 

(3)        The New Notes will be subject to the same terms and conditions as applicable to the Notes immediately prior to this amendment

 

(4)        Each of the Company, the Purchasing Agent and the Agent hereby acknowledges receipt of this Amendment.

 

(5)        This Amendment shall be governed by and construed in accordance with the laws of the State of New York applicable to agreements made and to be performed in such State.

 

6)         This Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute one and the same agreement.

 

 

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed as of the 21st day of April, 2011.

 

 

	
 
    	
JOHN DEERE CAPITAL   CORPORATION
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By: 
    	
/s/ Marie Z. Ziegler
    	
 
    
	
 
    	
 
    	
Name:  Marie Z. Ziegler
    
	
 
    	
 
    	
Title:  Vice President & Treasurer
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
INCAPITAL LLC
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By: 
    	
/s/ B. Walker
    	
 
    
	
 
    	
 
    	
Name:  Brian Walker
    
	
 
    	
 
    	
Title:  Managing Director
    

 

 

CONFIRMED AND ACCEPTED, as of the date first above written:

 

 

	
 
    	
MERRILL   LYNCH, PIERCE, FENNER & SMITH INCORPORATED
    
	
 
    	
 
    
	
 
    	
By: 
    	
/s/Happy H. Daily
    	
 
    
	
 
    	
 
    	
Name:  Happy Hazelton Daily
    
	
 
    	
 
    	
Title:  Managing Director
    

 

 

EXHIBIT A

 

SCHEDULE B

 

The Company shall pay the Purchasing Agent, on a discount basis, a commission for the sale of each Note equal to the principal amount of such Note multiplied by the appropriate percentage set forth below.

 

	
Maturity Ranges
    	
 
    	
Percent of
    Principal Amount
    	
 
    
	
9   months to less than 18 months 
    	
 
    	
0.300%
    	
 
    
	
18   months to less than 24 months
    	
 
    	
0.425%
    	
 
    
	
24   months to less than 30 months
    	
 
    	
0.550%
    	
 
    
	
30   months to less than 42 months
    	
 
    	
0.825%
    	
 
    
	
42   months to less than 54 months
    	
 
    	
0.950%
    	
 
    
	
54   months to less than 66 months
    	
 
    	
1.250%
    	
 
    
	
66   months to less than 78 months 
    	
 
    	
1.350%
    	
 
    
	
78   months to less than 90 months 
    	
 
    	
1.450%
    	
 
    
	
90   months to less than 102 months 
    	
 
    	
1.550%
    	
 
    
	
102   months to less than 114 months 
    	
 
    	
1.650%
    	
 
    
	
114   months to less than 126 months 
    	
 
    	
1.800%
    	
 
    
	
126   months to less than 138 months 
    	
 
    	
1.900%
    	
 
    
	
138   months to less than 150 months 
    	
 
    	
2.000%
    	
 
    
	
150   months to less than 162 months 
    	
 
    	
2.150%
    	
 
    
	
162   months to less than 174 months 
    	
 
    	
2.300%
    	
 
    
	
174   months to less than 186 months 
    	
 
    	
2.500%
    	
 
    
	
186   months to less than 198 months 
    	
 
    	
2.600%
    	
 
    
	
198   months to less than 210 months 
    	
 
    	
2.700%
    	
 
    
	
210   months to less than 222 months 
    	
 
    	
2.800%
    	
 
    
	
222   months to less than 234 months 
    	
 
    	
2.900%
    	
 
    
	
234   months to less than 360 months 
    	
 
    	
3.000%
    	
 
    
	
360   months 
    	
 
    	
3.150%

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