b'5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nREVOLVING PLAN TERMS AND CONDITIONS PERSONAL USE\nRETAIL CREDIT AND SECURITY AGREEMENT\nIf you have applied for a revolving credit account, the following disclosures apply:\nAccount Opening, Application and Solicitation Disclosures\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n18.25% This APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When It\n\nNone\n\nApplies\nHow to Avoid Paying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\n\non Purchases\n\nnot charge you interest on purchases if you pay your entire balance due by\nthe due date each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\n\nTo learn more about factors to consider when applying for or using a credit\n\nConsumer Financial Protection\n\ncard, visit the website of the Consumer Financial Protection Bureau at http://\n\nBureau\n\nwww.consumerfinance.gov/learnmore\nFees Revised as of 5/01/2019\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n1/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nPenalty Fees\nLate Payment Fee\n\nUp to $39.00\n\nReturned Payment Fee\n\nUp to $39.00\n\nHOW WE CALCULATE YOUR BALANCE. We use a method called "average daily balance (including new purchases)."\nSee your Account Agreement for more details.\nBILLING RIGHTS. Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour Account Agreement.\nAPPLICANT(S) ACKNOWLEDGE THAT (1) SELLER HAS NOT REPRESENTED THAT THE TERMS OF THIS\nFINANCING ARE MORE OR LESS FAVORABLE THAN OTHER FINANCING; (2) SELLER IS NOT APPLICANT\'S\nAGENT IN OBTAINING THE FINANCING; (3) APPLICANT MAY OBTAIN FINANCING FROM OTHER SOURCES; (4)\nSELLER MAY BE COMPENSATED FOR SERVICES INVOLVED IN ARRANGING THIS FINANCING.\nTERMINOLOGY. In this Agreement the words you, your, and yours mean each person who applies for and is granted a\nRevolving Plan Account, ("Account") and any co-applicant identified on the application. JDF means John Deere\nFinancial, f.s.b., or any subsequent holder of the Account or any balances arising under the Account. When the terms\n"finance charge" and "interest charge" are used in this Agreement and on other documents related to your Account, they\nhave the same meaning.\nCREDIT APPROVAL. This Agreement is not binding on JDF unless and until JDF has approved your credit and given\nyou notice of approval.\nCARD. You requested an Account and credit card ("Card") from JDF. You agree that this Agreement controls all\npurchases made on this Account or with use of the Card by you or any person you authorize to use it. This arises out of\na consumer credit sale. You authorize JDF to honor any purchase you make by mail, telephone, internet, facsimile\ntransmission (fax) or other electronic means on your Account. You agree that a signature is not necessary as\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n2/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nidentification in such cases. You agree that any authorized use of your Account or Card constitutes your acceptance of\nall the terms and conditions of this Agreement, as it may be amended from time to time. If you submit your application\nto JDF by internet, facsimile transmission (fax), or other electronic means, you agree that the application will have the\nsame effect as a signed original. You agree that you will promptly notify JDF in writing of suspected loss, theft, or\nunauthorized use of your Card. You may be liable for the unauthorized use of your Card before you notify JDF in writing\nat John Deere Financial, P.O. Box 5327, Madison, Wisconsin 53705-0327 (800-541-2969) of the unauthorized use. In\nany case, your liability will not exceed $50. You consent and agree that your telephone conversations with JDF may be\nrecorded to further improve JDF\xe2\x80\x99s customer service. You agree that JDF and any affiliate and any retained debt collector\nmay place phone calls to you using any telephone number, including a mobile phone number, you have provided to JDF,\nany affiliate or any retained debt collector, including calls using an automatic dialing and announcing device and\nprerecorded calls, and that such calls are not "unsolicited" under state or federal law. You agree to give JDF prompt\nnotice of any change in your name, mailing address, telephone number or place of employment. You agree that until\nJDF receives notice of your new address, JDF may continue to send statements and other notices to the address you\ngave JDF on the application for this Account. You agree that, for the purposes of this Agreement, you will be deemed to\n"reside" in the state of your billing address as shown on JDF\xe2\x80\x99s records. If more than one person or entity signed the\napplication, each is jointly and severally responsible for all obligations, and amounts due, under this Agreement. If\nMaryland law applies, Subtitle 9 of Title 12 of the Maryland Commercial Law will apply.\nCREDIT LIMIT. JDF will state your credit limit for your purchases when JDF notifies you of credit approval and issues\nyour Card. You may request a change to your credit limit by writing JDF at the address listed above. You agree that\nJDF may increase or decrease your Account credit limit at any time, in JDF\'s sole discretion, without prior\nnotice to you.\nACCOUNT USE. You can use your Account to purchase authorized goods and services from participating retailers up to\nthe full amount of your credit limit. You agree you will owe JDF all amounts charged on the Account, plus interest\ncharges and the other charges provided for in this Agreement. Unless your Account has been closed or suspended, JDF\nwill allow a purchase of authorized goods or services from a participating retailer to be made through your Account as\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n3/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nlong as (1) you are not in default; (2) your financial condition has not materially or adversely changed; and (3) JDF has\nnot been provided information by third parties that indicates serious charge-offs or delinquencies with other of your\naccounts. We will consider your Account to be inactive if, for six months or more, no purchases have been made\nthrough your Card, and your Account Balance has been zero.\nYou agree that all purchases and transactions made on your Account shall be for a personal, family or household\npurpose, and not for a business or commercial purpose.\nYou agree that JDF is not responsible for the refusal of anyone to allow a purchase to be made through your\nCard.\nMONTHLY STATEMENT. JDF will send you a monthly statement whenever there is activity on your Account. Your\nmonthly statement will show your New Balance and any Late Fees and Interest Charge for purchases. In addition, it will\nshow any available credit for purchases, an itemized list of current Purchases, Debits, Payments and Credits, the\nMinimum Required Payment and the Payment Due Date, as well as other pertinent information concerning your\nAccount.\nFor information about your rights regarding billing errors, refunds, or adjustments, please refer to the section - "Your Billi\nng Rights".\nWe will send your monthly statements on dates and in intervals determined by JDF. Such statement shall be deemed\ncorrect and accepted by you unless JDF is notified to the contrary in writing within 60 days of JDF mailing such\nstatement. If you think your monthly statement is incorrect, write JDF on a separate sheet at the address shown on the\nback of your billing statement. Describe the error as best you can and include your Account number in all\ncorrespondence.\nPAYMENT. The Payment Due Date is the date the payment is due at the address shown on the front of your monthly\nstatement. You may at any time pay your entire New Balance or pay more than the Minimum Required Payment, and\nyou will avoid or reduce Interest Charges by doing so. If your Payment Due Date falls on a date on which we do not\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n4/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nreceive or accept payments by mail (including weekends and holidays) we will not treat the payment received the next\nbusiness day as late for any purpose. All payments must be in U.S. dollars and drawn on funds on deposit in the United\nStates. Payments must be sent to John Deere Financial at the address designated on your monthly payment stub or to\nany other payment address JDF later designates on your monthly statement payment stub. We will not accept any\npayments at our offices.\nINTEREST CHARGE RATES.\nNO INTEREST IF PAID IN FULL. JDF will add an INTEREST CHARGE calculated at the Regular Purchase Rate, as\nexplained in the Special Promotions/No Interest if Paid in Full Transactions section of this Agreement.\nREGULAR PURCHASES. On Regular Purchases, (not No Interest if Paid in Full Special Promotions) JDF will add an\nINTEREST CHARGE calculated at the following rate, if your New Balance is not paid in full on or before the Payment\nDue Date listed on your statement.\nInterest Charges on your Account for Regular Purchases may be calculated using a variable rate that will be\ndetermined by reference to a "Base Rate" to which is added a "Spread" to arrive at the current rate. The same\nSpread will be used for purchase(s) within your Account.\nThe Base Rate from which your variable rate will be determined is the annual percentage rate of interest announced\npublicly from time to time by Citibank, N.A. in New York, New York, as the base rate it uses for interest rate\ndeterminations, which was in effect at the close of business on the fifteenth (15th) calendar day of each month, or the\nnext succeeding business day if the fifteenth is not a business day ("Reference Day"). The Spread added to the Base\nRate to determine the ANNUAL PERCENTAGE RATE (APR) that will apply to your Account will be:\nSpread\nRegular Purchase Rate\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n15%\n\n5/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nRate increases and decreases, that result from changes in the Base Rate will take effect on the first day of the month,\nor the next succeeding business day if the first day is not a business day, after the Reference Day on which the Base\nRate changes.\nChanges in your variable rate will apply to your existing Account Balance as well as to future purchases. An increase\nin your rate will increase the total Interest Charge accruing on your Account and the balance on which your Minimum\nRequired Payment is calculated. For example, if the Base Rate (and thus the applicable variable rate) were to\nincrease by 5%, and the average daily balance to which the new rate applied was $1,000, your INTEREST CHARGE\nfor that month would increase by $4.17 as a result of the increase in the variable rate.\nCurrent effective rates are shown below:\n\nREGULAR PURCHASE RATE\n\nDaily\n\nANNUAL PERCENTAGE\n\nPeriodic Rate\n\nRATE\n\n.050%\n\n18.25%\n\nThe above rate is correct as of the date of printing, 04/01/2020, but is subject to change after that date. To find out what\nmay have changed, write to JDF at John Deere Financial, P.O. Box 5327, Madison, Wisconsin 53705-0327; or call\nCustomer Service at 1-800-541-2969.\nINTEREST CHARGE CALCULATION. The amount of INTEREST CHARGE is determined in the following manner. JDF\nuses the daily periodic rates and corresponding APR shown in this Agreement. The applicable periodic rate is applied\nto the "Average Daily Balance" of your corresponding purchases, including current transactions, during the current billing\ncycle.\nTo get the "Average Daily Balance", JDF takes the beginning balance of those purchases each day, starting with any\nPrevious Balance outstanding on the first day of the monthly billing cycle, adds new purchases and debits (other than\nlate payment fees), and subtracts payments or credits. This determines the daily balance. Unless JDF elects to use a\nlater date, purchases are added to the daily balance as of the date of purchase.\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n6/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nJDF totals the daily balances for the billing cycle and divides the total by the number of days in the billing cycle. This\ngives JDF each "Average Daily Balance" which is shown on your monthly statement.\nMINIMUM MONTHLY PAYMENT. You agree to pay each month a Minimum Required Payment equal to:\n1. Any late payment fee due; plus\n2. Any additional fees; plus\n3. Any amount past due; plus\n4. For purchases:\na. Either the greater of: (i) $50 or (ii) 2.50% of your highest balance;\nb. Or your entire New Balance, if it is $50 or less.\nSPECIAL PROMOTIONS. From time to time special financing terms, such as extended free periods, incentive interest\nrates on certain purchases or other promotions may be available. This may be limited to certain purchases from\nparticipating retailers. These special terms will be disclosed by the retailer at the time of purchase or on the next monthly\nstatement sent to you and will govern the APR and repayment terms. Purchases you make during these special\npromotions will be separately identified on your monthly statement and will become part of the balance on which your\nINTEREST CHARGE and Minimum Required Payment are calculated at the time provided in the special terms\ndisclosure. Final payment due for these transactions may be slightly larger. Any introductory low rate may be\nfollowed by a higher rate, which may be as high as the Regular Purchase Rate.\nNO INTEREST IF PAID IN FULL TRANSACTIONS. Unless otherwise disclosed, minimum monthly payments will be\nmade and Interest Charge will accrue from the transaction date during the No Interest if Paid in Full period described\non your monthly statement at the Regular Purchase Rate as explained in the Regular Purchase Rate section of this\nAgreement. No Interest Charge will be due until the end of the No Interest if Paid in Full period and any accrued\nInterest Charge will be waived if the entire No Interest if Paid in Full balance is paid in full by the end of this No\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n7/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nInterest if Paid in Full period. If the No Interest if Paid in Full transaction balance is not paid in full during the\nintroductory No Interest if Paid in Full period, interest charge will accrue from the transaction date at the\nRegular Purchase Rate.\nNO INTEREST WITH PAYMENT TRANSACTIONS. Interest Charges will not accrue during any no interest period\ndescribed on your monthly statement. Minimum required payments will be required during the no interest period. If\nthe no interest transaction is not paid in full during the introductory no interest period, interest charge will\naccrue at the Regular Purchase Rate.\nOTHER FEES AND CHARGES. JDF will add to your Account: (1) A Late Payment Fee of $28 may be applied for the\nfirst time JDF does not receive a payment of at least the current portion of your Minimum Required Payment (Minimum\nRequired Payment plus unpaid late payment fees and past due amounts) by the Payment Due Date shown on your\nstatement and a $39 fee for any additional late payments during the next six statement billing cycles; (2) A Returned\nPayment Fee of $28 may be applied on the first check or electronic payment authorization JDF receives which is\ndishonored and a $39 fee for any additional dishonored payments during the next six statement billing cycles; and (3)\nexpenses incurred in connection with the enforcement of our remedies upon default, including, without limitation, (a)\nrepossession, repair and collection costs, and (b) any attorney fees plus court costs and related fees, including any\nbankruptcy fees and costs, to the extent permitted by applicable law. If New Hampshire law applies, those fees may be\nawarded to you if you prevail in any such action, suit or proceeding. Any credit balance in excess of $1 on your Account\nwill be refunded within 7 business days from JDF\xe2\x80\x99s receipt of your written request. Otherwise, JDF will refund to you any\ncredit balance remaining on your Account after six months. JDF will retain any credit balance if it is less than $1 or if\nJDF does not know your address and it cannot be traced through the last address or telephone number provided JDF.\nACCEPTING PAYMENT. JDF can accept late or partial payments, as well as payments marked "paid in full" or with\nother restrictive endorsements, without losing any of JDF\'s rights under this Agreement.\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n8/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nCREDIT REPORTS. JDF may report your performance under this Agreement to credit reporting agencies and others\nwho request a credit reference from JDF. JDF may ask credit reporting agencies or others you list as a credit reference\nfor consumer reports or information regarding your credit history at any time for all legitimate purposes, including credit\ndecisions and the review and collection of your Account. If you request, you will be provided with the name and address\nof any credit reporting agency that provided a report in connection with this application. As required by law, you are\nhereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting\nagency if you fail to fulfill the terms of your credit obligations. You also authorize JDF to disclose financial information\nabout you as described in this Agreement and future notices JDF may send you.\nCANCELLATION. You may close your Account to future purchases at any time by notifying JDF in writing and returning\nall Cards. JDF may close or suspend your Account to future purchases at any time without prior notice. Regardless of\nthe expiration, closing or suspension of your Account, you remain responsible for paying the amount you owe JDF\naccording to the terms of this Agreement.\nSECURITY INTEREST. You grant JDF a purchase money security interest in all merchandise purchased through your\nAccount, and its proceeds, including insurance proceeds, but this provision does not apply if you reside in NC and the\nAPR on a purchase or transaction exceeds 15%. JDF\'s security interest continues until such merchandise is paid for in\nfull by application of your payments in the manner described in this Agreement. You agree to execute and authorize JDF\nto file (or to sign for you and file) any financing statement(s) or other document(s) needed to perfect the security interest\nthat you have given JDF or that JDF may deem necessary before your debt is paid in full.\nPROPERTY INSURANCE. While JDF\'s security interest in the merchandise continues, you must maintain all-risk\nphysical damage insurance on each merchandise item of which $5,000 or more is financed through your Account. You\nmay obtain such coverage from any source and, if it is not available from or through JDF, you will name John Deere\nFinancial, f.s.b. as a loss payee of the insurance, entitled to at least 10 days advance notice of its cancellation, and at\nJDF\'s request you will provide evidence thereof. You assign and direct the insurer to pay JDF the proceeds of such\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n9/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\ninsurance. You authorize JDF to make and settle claims, and to endorse in your name(s) and apply, any instrument for\nsuch proceeds to the unpaid purchase price of the item or, at JDF\'s option, to its restoration, returning any excess to\nyou.\nPAYMENT APPLICATION.\nYou agree that your Minimum Required Payment will be applied as JDF determines in its sole discretion. You agree that\nJDF has this discretion and that JDF may exercise it to suit its own convenience and interests, without further notice to\nyou. You also agree that JDF may change how it applies your Minimum Required Payment at any time without notice to\nyou. You acknowledge that the exercise of this discretion by JDF may result in cases in which the application of the\nMinimum Required Payment to the Account creates higher Interest Charges than other payment application methods\nand that this may include payments allocated to balances with lower APRs before balances with higher APRs and/or to\nbalances with longer promotional periods before balances with shorter or no promotional periods. JDF shall apply\namounts paid by you in excess of the Minimum Required Payment amount first to the transaction balance bearing the\nhighest rate of interest, and then to each successive transaction balance bearing the next highest rate of interest, until\nall the amount you paid is applied to the Account. If you have a deferred interest transaction(s) on the Account, JDF will\nallocate the entire amount paid by you in excess of the Minimum Required Payment amount to the balances on which\ninterest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which\ninterest is deferred. JDF may, in its sole discretion, consider requests by you to apply amounts paid in excess of the\nMinimum Required Payment in other ways.\nYou agree that your payments will be credited as of the date of receipt at the address on the payment stub of your\nMonthly Statement if received by 5:00 p.m. Central Time Monday through Friday (otherwise next business day). If\npayment is not accompanied by the payment stub or Account number, is not received at that location, or is not made in\nU.S. Dollars, by check or money order, credit may be delayed up to two business days.\nRETAILER CHARGEBACKS. JDF may chargeback to a retailer who sold goods or services to you on your Account,\nany part of your Account balance related to those purchases. In such an event, this Agreement will be deemed\nassigned to the retailer to the extent of the chargeback. You agree to such an assignment and further agree to pay the\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n10/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nretailer the amount of such chargeback in accordance with the terms of this Agreement.\nDEFAULT. You agree that you will be in default if: (a) you fail to pay the Minimum Required Payment by the Payment\nDue Date on two occasions within any 12 month period; (b) the value of JDF\'s security interest in any collateral is\nmaterially impaired; (c) your ability to repay is materially reduced by your exceeding your credit limit, by a change in your\nemployment, by a change in your obligations, by bankruptcy or insolvency proceedings involving you, or (for community\nproperty state residents only) by a change in your marital status or domicile; (d) if you die or are declared incompetent;\n(e) you provided JDF false or misleading information relating to your credit application or Account; (f) any purchase or\ntransaction on your Account is not for a personal, family or household purpose; (g) you fail to perform any other of your\nobligations under the terms of this Agreement as it may be amended; or (h) you are in default under any other\nagreement you have with JDF or any of its affiliates.\nYou agree that upon your default, JDF may close your Account to future purchases and demand immediate payment of\nyour entire Account balance, after giving you any notice and opportunity to cure the default required by applicable law. In\naddition, you agree that JDF shall have all the rights of a secured creditor under the Uniform Commercial Code and\nother applicable law.\nELECTRONIC DISCLOSURE. You agree that any notices and disclosures related to your Account can be delivered to\nyou in printed form or by electronic means by sending them to any electronic mail address that you provided to JDF\nwhen you applied for this Account or at a later date. Until JDF receives notice of a new electronic mail address, JDF\nmay continue to send such notices and disclosures to the electronic mail address you most recently provided to JDF.\nERRORS IN CREDIT BUREAU INFORMATION. If you believe JDF has reported inaccurate information about you to a\ncredit bureau, please contact JDF at John Deere Financial, P.O. Box 5327, Madison, Wisconsin 53705-0327, and\nidentify the inaccurate information and tell JDF why you believe it is incorrect.\nDELAY IN ENFORCEMENT. JDF can delay enforcing our rights under this Agreement without losing them.\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n11/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nOTHER SERVICES. Third parties may offer additional features, services and enhancements related to the Account. You\nacknowledge that JDF is not liable for those and that they are the sole responsibility of those third parties. If you receive\ninsurance services, you understand that you will receive all the information on those services from the insurer. That\ninsurance may be cancelled if you are in default under this Agreement.\nGOVERNING LAW. This Agreement must be approved, and all charges and payments to your Account processed by\nJDF, at our office in Madison, Wisconsin. Therefore this Agreement and your Account will be governed by the\nsubstantive law of the United States and to the extent state law applies to this Agreement, the substantive law of the\nState of Wisconsin, regardless of whether or not you reside in Wisconsin. The law of your state of residence may apply\nto JDF\'s recovery of any collateral located there. This is the entire Agreement between you and JDF and no oral\nchanges can be made to it.\nVALIDITY. Invalidity of any provision of this Agreement shall not affect the validity and enforceability of the remainder of\nits terms.\nCHANGING THIS AGREEMENT. IMPORTANT: READ BEFORE SIGNING. THE TERMS OF THIS AGREEMENT\nSHOULD BE READ CAREFULLY BECAUSE ONLY THOSE TERMS IN WRITING IN THIS AGREEMENT ARE\nENFORCEABLE. NO OTHER TERMS OR ORAL PROMISES NOT CONTAINED IN THIS WRITTEN AGREEMENT\nMAY BE LEGALLY ENFORCED. YOU MAY CHANGE THE TERMS OF THIS AGREEMENT ONLY BY ANOTHER\nWRITTEN AGREEMENT BETWEEN YOU AND JDF. JDF may change this Agreement, including the Annual\nPercentage Rate and the Interest Charge Calculation, at any time. JDF will provide you prior written notice. To the extent\nthat the law permits and JDF indicates in our notice, the changes will apply to your existing Account balance as well as\nto future transactions.\nNOTICE TO ACTIVE DUTY SERVICEMEMBERS AND THEIR DEPENDENTS. Federal law provides important\nprotections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n12/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account)\nTOLL-FREE NUMBER FOR ACTIVE DUTY SERVICEMEMBERS AND THEIR DEPENDENTS. If you would like to\nreceive a statement of the Military Annual Percentage Rate applicable to this extension of consumer credit, and/or a\nclear description of the payment obligation of the covered borrower, please contact us at: 1-800-519-2242.\nARBITRATION OF DISPUTES. In the event of any past, present or future claim or dispute between you and JDF arising\nfrom or relating to your Account, any prior account you have had with JDF, your application, the relationships which\nresult from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior\nagreement, you or JDF may elect to resolve the claim or dispute by binding arbitration.\nFEDERAL LAW PROVIDES THAT JDF CANNOT REQUIRE CERTAIN ACTIVE DUTY MILITARY SERVICEMEMBERS\nOR THEIR DEPENDENTS (\xe2\x80\x9cCOVERED BORROWERS\xe2\x80\x9d) TO RESOLVE THESE CLAIMS OR DISPUTES BY BINDING\nARBITRATION. IF YOU QUALIFY UNDER FEDERAL LAW AS A COVERED BORROWER, THEN THIS SECTION\nDOES NOT APPLY TO YOU AND NEITHER JDF NOR YOU MAY ELECT TO RESOLVE SUCH CLAIMS OR\nDISPUTES BY BINDING ARBITRATION. IF YOU DO NOT QUALIFY UNDER FEDERAL LAW AS A COVERED\nBORROWER, THEN THIS SECTION DOES APPLY TO YOU.\nThis includes any such claim or dispute, whether based upon contract, property, tort, statute, common law or equity,\nother than a claim relating to JDF\'s right to repossess the merchandise purchased through your Account by self-help, if\npermitted, or by judicial process. The parties agree and understand that the arbitration shall have all Powers provided by\nlaw and the Contract. These Powers shall include all legal and equitable remedies including, but not limited, to money\ndamages, declaratory relief and injunctive relief.\nThe parties agree and understand that they choose arbitration instead of litigation to resolve disputes. The parties\nunderstand that they have the right or opportunity to litigate disputes in court, but that they prefer to resolve their\ndisputes through arbitration, except as provided herein.\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n13/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nIF EITHER YOU OR JDF ELECT ARBITRATION, NEITHER YOU NOR JDF SHALL HAVE THE RIGHT TO LITIGATE\nTHAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND\nPOST-HEARING APPEAL RIGHTS WILL BE LIMITED. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY\nRIGHT THEY HAVE TO A JURY TRIAL, EITHER PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR\nPURSUANT TO A COURT ACTION.\nNEITHER YOU NOR JDF SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR\nAGAINST OTHER CUSTOMERS WITH RESPECT TO OTHER ACCOUNTS, OR ARBITRATE ANY CLAIMS AS A\nREPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.\nEven if all parties have opted to litigate a claim in court, you or JDF may elect arbitration with respect to any claim made\nby a new party or any new claims later asserted in that lawsuit, and nothing undertaken therein shall constitute a waiver\nof any rights under this arbitration provision. Arbitration may be elected at any time, regardless of whether a lawsuit has\nbeen filed, unless the lawsuit involving that claim or dispute has resulted in a final judgment. JDF will not invoke our right\nto arbitrate an individual claim you bring in small claims court or your state\'s equivalent court, if any, so long as the claim\nis pending only in that court and does not exceed $5,000.\nYour Account involves interstate commerce, and this provision shall be governed by the Federal Arbitration Act (FAA).\nThe arbitration shall be conducted by JAMS or American Arbitration Association (AAA), at the option of the party\nelecting arbitration, in accordance with their procedures in effect when the claim is filed. As of "date of print", for a copy\nof their procedures, to file a claim or for other information, contact AAA\'s customer service at 1-800-778-7879 or visit\ntheir website at www.adr.org or contact JAMS at 1-800-352-5267 or by visiting their website at www.jamsadr.com. All\nclaims may be filed at any JAMS or AAA office. At your written request, JDF will advance any arbitration filing,\nadministrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of JDF\'s\nelecting to arbitrate that claim or dispute. The arbitrator will decide who will ultimately be responsible for paying those\nfees. In no event will you be required to reimburse JDF for any arbitration filing, administrative, or hearing fees in an\namount greater than what your and JDF\'s combined court cost would have been if the claim had been resolved in a\nstate court with jurisdiction.\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n14/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nAny arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow\napplicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor\nclaims of privilege recognized at law. If requested by any party, the arbitrator shall write an opinion containing the\nreasons for the award. The arbitrator\'s decision will be final and binding except for any appeal rights under the FAA and\nexcept that if the amount in controversy exceeds $100,000, any party may appeal the award within 30 days to a threearbitrator panel which shall review the award de novo. The costs of such an appeal shall be borne by the appealing\nparty regardless of outcome. Judgment upon any award by the arbitrator may be enforced in any court having\njurisdiction.\nOur rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon JDF\'s parent\ncorporations, subsidiaries, affiliates, predecessors, successors and assigns, as well as the officers, directors and\nemployees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with\nJDF or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under\nthis arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this\nAgreement and all Authorized Users of the Account. This arbitration shall survive termination of your Account as well as\nvoluntary payment in full by you, and legal proceedings by JDF to collect a debt owed by you, any bankruptcy by you\nand any sale by JDF of your Account.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government\nfight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain,\nverify, and record information that identifies each person who opens an Account. What this means for you: When you\nopen an Account, you will be asked for your name, address, date of birth, and other information that will allow JDF to\nidentify you. You may also be asked to show your driver\'s license or other identifying documents.\n\nYOUR BILLING RIGHTS.\nKEEP THIS NOTCE FOR YOUR FUTURE USE.\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n15/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nTHIS NOTICE CONTAINS IMPORTANT INFORMATION ABOUT YOUR RIGHTS\nAND\nJDF\'S RESPONSIBILITIES UNDER THE FAIR CREDIT BILLING ACT.\nNOTIFY JDF IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL. If you think your bill is wrong, or if you\nneed more information about a transaction on your bill, write to JDF (on a separate sheet) at the address shown on the\nback of your billing statement. Write to JDF as soon as possible. JDF must hear from you not later than 60 days after\nJDF sent you the first bill on which the error or problem appeared. You can telephone JDF, but doing so will not\npreserve your rights. In your letter, give JDF the following information:\nYour name and Account number\nThe dollar amount of the suspected error\nDescribe the error and explain, if you can, why you believe there is an error.\nIf you need more information, describe the item you are unsure about\nIf you have authorized JDF to pay your credit card bill automatically from your savings or checking account, you can\nstop the payment on any amount you think is wrong. To stop the payment your letter must reach JDF three business\ndays before the automatic payment is scheduled to occur.\nYOUR RIGHTS AND RESPONSIBILITIES AFTER JDF RECEIVES YOUR WRITTEN NOTICE. JDF must acknowledge\nyour letter within 30 days, unless JDF has corrected the error by then. Within 90 days, JDF must either correct the error\nor explain why JDF believes the bill was correct.\nAfter JDF receives your letter, JDF cannot try to collect any amount you question, or report that amount as delinquent.\nJDF can continue to bill you for the amount you question, including interest charges, and JDF can apply any unpaid\namount against your credit limit. You do not have to pay any questioned amount while JDF is investigating, but you are\nstill obligated to pay the parts of your bill that are not in question.\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n16/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nIf JDF finds that it made a mistake on your bill, you will not have to pay any interest charges related to any questioned\namount. If JDF did not make a mistake, you may have to pay interest charges, and you will have to make up any\nmissed payments on the questioned amount. In either case, JDF will send you a statement of the amount you owe and\nthe date that it is due.\nIf you fail to pay the amount that JDF thinks you owe, JDF may report you as delinquent. However, if JDF\xe2\x80\x99s explanation\ndoes not satisfy you, and you write to JDF within 25 days telling JDF that you still refuse to pay, JDF must tell anyone it\nreports you to that you have a question about your bill. And, JDF must tell you the name of anyone it reports you to.\nJDF must tell anyone it reports you to that the matter has been settled between you and JDF when it is finally settled.\nIf JDF doesn\xe2\x80\x99t follow these rules, JDF can\xe2\x80\x99t collect the first $50 of the questioned amount, even if your bill was correct.\nSPECIAL RULES FOR CREDIT CARD PURCHASES. If you have a problem with the quality of property or services\nthat you purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on the property or services. There are two limitations on this\nright:\nYou must have made the purchase in your home state or, if not within your home state, within 100 miles of your\ncurrent mailing address; and\nThe purchase price must have been more than $50.\nThese limitations do not apply if JDF owns or operates the merchant, or if JDF mailed you the advertisement for the\nproperty or services.\nYOUR CHOICE TO LIMIT MARKETING:\nThe John Deere Financial companies are providing this notice. They include Deere & Company, Deere Credit, Inc.,\nJohn Deere Construction & Forestry Company and John Deere Financial, f.s.b.\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n17/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nYou may limit the John Deere companies, such as the manufacturing, credit, leasing and insurance affiliates, from\nmarketing their products or services to you based on your personal information that they receive from any\nJohn Deere Financial company. This information may include your income, account history, and credit score.\nYour choice to limit marketing offers from the John Deere companies will apply for at least 5 years from when you\ntell us your choice. Once that period expires, you will receive a renewal notice that will allow you to continue to limit\nmarketing offers from the John Deere companies for at least another 5 years.\nTo limit marketing offers, contact us at 1-800-541-2969.\n(20-04)\nRevolving Plan Accounts are a service of John Deere Financial, f.s.b.\nView printer friendly version of the Privacy Notice below (PDF)\nPage 1 of 2\nRev. March 2020\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n18/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nFACTS\nWhy?\n\nWHAT DOES JOHN DEEERE FINANCIAL, F.S.B. DO WITH YOUR PERSONAL\nINFORMATION?\nFinancial companies choose how they share your personal information. Federal law gives\nconsumers the right to limit some but not all sharing. Federal law also requires us to tell you\nhow we collect, share, and protect your personal information. Please read this notice\ncarefully to understand what we do.\n\nWhat?\n\nThe types of personal information we collect and share depend on the product or service\nyou have with us. This information can include:\n\xe2\x80\xa2 Social Security number and income\n\xe2\x80\xa2 account balances and payment history\n\xe2\x80\xa2 credit history and credit scores\n\nHow?\n\nAll financial companies need to share customers\xe2\x80\x99 personal information to run their everyday\nbusiness. In the section below, we list the reasons financial companies can share their\ncustomers\xe2\x80\x99 personal information; the reasons John Deere Financial, f.s.b. chooses to share;\nand whether you can limit this sharing.\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n19/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nReasons we can share your personal information\n\nDoes John Deere\n\nCan you limit this\n\nFinancial, f.s.b. share?\n\nsharing?\n\nFor our everyday business purposes - such as to\nprocess your transactions, maintain your account(s),\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nYes\n\nFor our affiliates to market to you\n\nYes\n\nYes\n\nFor nonaffiliates to market to you\n\nYes\n\nYes\n\nrespond to court orders and legal investigations, or\nreport to credit bureaus\nFor our marketing purposes - to offer our products\nand services to you\nFor joint marketing with other financial\ncompanies\nFor our affiliates\' everyday business purposes information about your transactions and experiences\nFor our affiliates\' everyday business purposes information about your creditworthiness\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n20/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nTo limit our\n\n\xe2\x80\xa2 Call 1-800-541-2969 \xe2\x80\x93 and at the Menu, select 0 and one of our Customer Service\n\nsharing\n\nRepresentatives will be able to assist you.\nPlease note: If you are a new customer, we can begin sharing your information 30 days\nfrom the date we sent this notice. When you are no longer our customer, we continue to\nshare your information as described in this notice.\nHowever, you can contact us at any time to limit our sharing.\n\nQuestions\n\nCall 1-800-541-2969\n\nPage 2 of 2\nWhat we do\nHow does John Deere\n\nTo protect your personal information from unauthorized access and use, we\n\nFinancial, f.s.b. protect\n\nuse security measures that comply with federal law. These measures include\n\nmy personal information?\n\ncomputer safeguards and secured files and buildings.\n\nHow does John Deere\n\nWe collect your personal information, for example, when you\n\nFinancial, f.s.b. collect my\n\n\xe2\x80\xa2 open an account\n\npersonal information:\n\n\xe2\x80\xa2 use your credit card or give us your income information\n\xe2\x80\xa2 pay us by check or show your driver\xe2\x80\x99s license\nWe also collect your personal information from others, such as credit bureaus,\naffiliates or other companies.\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n21/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nWhy can\'t I limit all\n\nFederal law gives you the right to limit only\n\nsharing?\n\n\xe2\x80\xa2 sharing for affiliates\' everyday business purposes\xe2\x80\x94information about your\ncreditworthiness\n\xe2\x80\xa2 affiliates from using your information to market to you\n\xe2\x80\xa2 sharing for nonaffiliates to market to you\nState laws and individual companies may give you additional rights to limit\nsharing. See below for more on your rights under state law.\n\nWhat happens when I\n\nYour choice will apply to you. Others on your account may limit information\n\nlimit sharing for an\n\nsharing for the account, or you can also limit sharing information for them.\n\naccount I hold jointly with\nsomeone else?\n\nDefinitions\nAffiliates\n\nCompanies related by common ownership or control. They can be financial\nand nonfinancial companies.\n\xe2\x80\xa2 John Deere Companies including Deere & Company, Deere Credit, Inc.,\nJohn Deere Construction and Forestry and John Deere Financial, f.s.b.\n\nNonaffiliates\n\nCompanies not related by common ownership or control. They can be financial\nand nonfinancial companies.\n\xe2\x80\xa2 Such as mortgage bankers, securities brokers-dealers, insurance companies\nand agents, retailers, direct marketers, airlines, publishers and non-profit\norganizations.\n\nJoint Marketing\n\nA formal agreement between nonaffiliated companies that together market\nfinancial products or services to you.\n\xe2\x80\xa2 John Deere Dealers\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n22/23\n\n\x0c5/1/2020\n\nRevolving Plan Personal Use Terms | John Deere US\n\nOther important information\nCalifornia Residents\n\nWe will not share information about you with nonaffiliated third parties, except\nas permitted by California law, such as to process your transactions, maintain\nyour account or with your consent. California law gives you other personal\ninformation privacy rights. See JohnDeere.com/Privacy for more information.\n\nVermont Residents\n\nWe will not disclose information about your creditworthiness to our affiliates\nand will not disclose your personal information, financial information, credit\nreport, or health information to nonaffiliated third parties to market to you, other\nthan as permitted by Vermont law, unless you authorize us to make those\ndisclosures.\nAdditional information concerning our privacy policies can be found at\nJohnDeere.com/Privacy or call 1-800-541-2969.\n\nThis is your Agreement. Please read it and keep it for your records.\n\nhttps://www.deere.com/en/finance/financing/terms/all-terms/\n\n23/23\n\n\x0c'


b'VISA\xc2\xae CREDIT DISCLOSURES\nInterest Rates and Interest Charges\n\nVisa\xc2\xae Classic, Visa\xc2\xae Gold & Visa\xc2\xae Platinum\n\n16.25% to 21.74%\n\nAnnual Percentage Rate (APR) for Purchases\n\nbased on your creditworthiness when you open your account.\nAfter that, your APR will vary with the market based on the Prime Rate.\n\n16.25% to 21.74%\n\nAPR for Balance Transfers\n\nbased on your creditworthiness when you open your account.\nAfter that, your APR will vary with the market based on the Prime Rate.\n\n21.75% to 27.25%\n\nAPR for Cash Advances\n\nbased on your creditworthiness when you open your account.\nAfter that, your APR will vary with the market based on the Prime Rate.\n29.99%\nThis APR is a fixed rate and may be applied to new transactions on your account if you:\n1) Become 60 days or more past due\n\nPenalty APR and When it Applies\n\n2) Make a payment that is returned\n3) Exceed the credit limit of your account\n4) Perform any of the aforementioned on another account that you have with us\nHow Long will the Penalty APR Apply? If your APRs are increased for any of these\nreasons, the Penalty APR may apply indefinitely.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month.\n\nPaying Interest\n\nThe Interest Charge on Cash Advances begins from the date you obtained the Cash Advance.\nThe Interest Charge on Balance Transfers begins from the date the transaction is posted to\nyour account.\n\nMinimum Interest Charge\nFor Credit Card Tips from the Consumer Financial\nProtection Bureau\n\nIf you are charged interest, the charge will be no less than $1.50.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\n\nVisa\xc2\xae Classic, Visa\xc2\xae Gold & Visa\xc2\xae Platinum\nNone\n\nAnnual Fee\nTransaction Fees\n\xc2\xb7 Balance Transfers\n\n3.00 % of the amount transferred (minimum of $10.00)\n\n\xc2\xb7 Cash Advances\n\n5.00% of the amount advanced (minimum of $10.00)\n\n\xc2\xb7 Foreign Transactions\n\nUp to 3.00% of each transaction in U.S. Dollars\n\n\xc2\xb7 Over-the-Credit-Limit\n\nNone\n\nPenalty Fees\n\xc2\xb7 Late Payment\n\nUp to $39.00\n\n\xc2\xb7 Returned Payment\n\nUp to $39.00\n\n\xc2\xb7 Pay by Phone\n\n1) No charge for automated payments\n2) $5.00 if assisted by a live representative\n\nOther Fees\n\nPrime Rate: Variable APRs are based on the Prime Rate published in the Wall Street Journal on the 25th day of the prior month.\nLoss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you become more than 5 days late in paying your bill.\nHow We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this\nmethod is provided in your account agreement.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. All content is\naccurate as of January 2017. For changes made after printing, please call 1.877.308.1629 or write us at P.O. Box 909, Eastman, GA 31023.\nAuthorization: When you apply for this credit card offer from Bank of Eastman/Magnolia State Bank, you agree to the following:\n1. You authorize us to obtain credit bureau reports that we will use when considering your application for credit. You also authorize\nus to obtain credit bureau reports and any other information about you in connection with 1) extensions of credit on your account; 2) the administration,\nreview or collection of your account; and 3) offering you enhanced or additional products or services.\n2. If an account is opened, you will receive a Card Agreement with your card(s). You agree to the terms of this agreement by using the account\nor any card, authorizing their use, or making any payment on the account.\n3. Rates, fees and terms may change: We have the right to change the account terms (including APRs) in accordance with your Card Agreement.\n\n\x0c'


b'IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your\nCredit Card. The information about costs of the Card are accurate as of the effective date of March 1, 2018. You can call\nUs at (800) 848-0018 or write Us at P.O. Box 96730, Bellevue, WA 98009-7730 to inquire if any changes have occurred\nsince the effective date.\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\n13.99%\n\nShare Secured VISA Gold:\nThis APR will vary with the market based on the Prime Rate.\n\n8.99% 26.99%\n\nVISA Gold:\ndepending on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n10.99% 27.99%\n\nVISA Rewards:\ndepending on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\nShare Secured VISA Gold: 13.99%\nThis APR will vary with the market based on the Prime Rate.\nVISA Gold: 8.99% - 26.99% depending on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nVISA Rewards: 10.99% - 27.99% depending on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate\n(APR) For Cash Advances\n\nShare Secured VISA Gold: 13.99%\nThis APR will vary with the market based on the Prime Rate.\nVISA Gold: 8.99% - 26.99% depending on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nVISA Rewards: 10.99% - 27.99% depending on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\non Purchases\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of Your statement closing date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a Credit\nCard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xef\x82\xb7 Foreign Transaction\n\xef\x82\xb7 Cash Advance\n\n1.00% of each transaction in U.S. dollars\n2.00% of each advance\n\nPenalty Fees\n\xef\x82\xb7 Returned Payment\n\xef\x82\xb7 Late Payment\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d See Your\nAccount Agreement for details.\n\nCopyright Oak Tree Business Systems, Inc., 2013-2018. All Rights Reserved.\n\nOTBS 054 Web QUAL (2/18)\n\n\x0c'


b'\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c\x0c'


b'221 South Rutgers Avenue, P.O. Box 365\nOak Ridge, Tennessee 37831-0365\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are\naccurate as of 04/01/2016\n. You can contact us toll free at (800) 676-5328 or 221 South Rutgers Avenue, P.O. Box 365,\nOak Ridge, Tennessee 37831-0365 to inquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR)\nfor Purchases, Cash Advances,\n& Balance Transfers\n\nIntroductory APR if your credit history qualifies, for one year, on\n\n3.990% purchases, cash advances, and balance transfers made within the first\nsixty days.\nAfter that, your Standard APR will be\n\n8.240% 10.240%\n\n12.240% 14.240% or 18.000%\n\nThe rate you qualify for is dependent on your credit history. This APR will vary with the\nmarket based on the Prime Rate.\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not\ncharge you interest on purchases if you pay your entire new purchase balance by the\ndue date each month. For cash advances and balance transfers, we will begin charging\ninterest on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount\n- Annual Fee:\n- Application Fee:\n\nNone\nNone\n\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\nNone\nNone\n1% of each transaction in U.S. dollars if the transaction involves a currency conversion\n1% of each transaction in U.S. dollars if the transaction does not involve a currency\nconversion\n\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\n100% of the payment due or $25.00, whichever is less if your payment is more than 10\ndays late.\nNone\nUp to $25.00 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a\nlate payment.\n\n9009 LASER FPDF FI14018 Rev 10-2012\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n*\n\n\x0cCREDIT CARD AGREEMENT\n\n221 South Rutgers Avenue, P.O. Box 365\nOak Ridge, Tennessee 37831-0365\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ORNL FEDERAL CREDIT UNION OR ITS SUCCESSORS.\n\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE\nREPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU\nALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS\nUNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF\nCREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE\nCAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and\ndeposits in an Individual Retirement Account or any other account that\nwould lose special tax treatment under state or federal law if given are not\nsubject to this security interest.\nIf you have other loans with us, collateral securing such loans may also\nsecure your obligations under this Agreement, unless that other collateral\nis your real property or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit ;\nsuch transactions will be declined. However, if for any reason you do exceed\nyour credit limit, you shall be liable for all such transactions and you agree to\nmake immediate payment sufficient to bring the balance below the credit limit.\nCertain purchases and cash advances require authorization prior to\ncompletion of the transaction. In some cases, you may be asked to provide\nidentification. If our system is not working, we may not be able to authorize a\ntransaction, even though you have sufficient credit available. Also, for security\nreasons, we may block the use of your Card in certain countries or geographic\nareas. We will have no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\n\n9011 LASER FPDF FI14017 9-2011\n\nJoint Accounts. If this is a joint account, each of you must sign this\nAgreement by signing the Application. Each of you will be responsible, jointly\nand severally, for the repayment of amounts owed, regardless of who initiated\nany transaction under the account. This means that we can require any one\nof you to repay the entire amount owed. Each of you authorizes the others to\nmake purchases, cash advances, or balance transfers individually. Any one of\nyou may terminate the account, which termination will be effective as to all of\nyou.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges; Grace Period. New purchases posted to your account\nduring a billing cycle will not incur an interest charge for that billing cycle if you\nhad a zero or credit balance at the beginning of that billing cycle, or you paid\nthe entire new balance on the previous cycle\'s billing statement by the\npayment due date of that statement; otherwise, an interest charge will accrue\nfrom the date a purchase is posted to your account. To avoid additional\ninterest charges on the balance of purchases, you must pay the entire new\nbalance on the billing statement by the payment due date of that statement.\nAn interest charge begins to accrue on cash advances from the date you get\nthe cash advance or from the first day of the billing cycle in which the cash\nadvance is posted to your account, whichever is later. The interest charge is\ncalculated separately for purchases and cash advances. For purchases, the\ninterest charge is computed by applying the daily periodic rate to the average\ndaily balance of purchases. The daily periodic rate is equal to the ANNUAL\nPERCENTAGE RATE in effect at anytime divided by 365. To get the average\ndaily balance of purchases, we take the beginning outstanding balance of\npurchases each day, add any new purchases, and subtract any payments\nand/or credits. This gives us the daily balance of purchases. Then, we add all\nthe daily balances of purchases for the billing cycle together and divide the\ntotal by the number of days in the billing cycle. This gives us the average daily\nbalance of purchases. Balance transfers are calculated in the same manner\nas purchases. For cash advances, the interest charge is computed by\napplying the daily periodic rate to the average daily balance of cash\nadvances. To get the average daily balance of cash advances, we take the\nbeginning outstanding balance of cash advances each day, add in any new\ncash advances, and subtract any payments and/or credits that we apply to the\ncash advance balance. This gives us the daily balance of cash advances.\nThen, we add all the daily balances of cash advances for the billing cycle\ntogether and divide the total by the number of days in the billing cycle. This\ngives us the average daily balance of cash advances. The ANNUAL\nPERCENTAGE RATE is based on certain credit-worthiness criteria.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nReview of Account Standing. Every two years or at such other time as we\nshall deem appropriate, we may review your account standing and/or credit\nstanding and, if we determine that either has deteriorated, we may close your\ncard to new transactions. You will be given notice of any such change(s) in\naccordance with applicable law. If we close your account, you will still be liable\nto repay your outstanding balance according to the terms of your Credit Card\nAgreement.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ORNL FEDERAL CREDIT UNION OR ITS SUCCESSORS.\n\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is 1-800-449-7728, twenty-four hours a day, seven\ndays a week. You agree to follow up your call with notice in writing to us at:\nP.O. Box 31112, Tampa, FL 33631-3112. You also agree to assist us in\ndetermining the facts, circumstances and other pertinent information relating\nto any loss, theft or possible unauthorized use of your Card and comply with\nsuch procedures as we may require in connection with our investigation. You\nwill be liable for any unauthorized use only if we can prove that you were\ngrossly negligent in your use or handling of your Card, or if we can prove that\nyou used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe will not pay any item which would cause the outstanding balance in your\naccount to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\n\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time). A foreign transaction is any\ntransaction that you complete or a merchant completes on your card outside\nof the United States, with the exception of U.S. Military bases, U.S. territories,\nU.S. embassies or U.S. consulates.\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any payments made for your account resulting from use of\nthe Card as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our right or to\ntake any action shall not constitute a waiver or those rights, or an amendment\nor change in any of the terms of this Agreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request or automatically after six (6)\nmonths.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa or MasterCard, as applicable, may also apply. This\nAgreement is the contract that applies to all transactions even though the\nsales, cash advance, convenience check, credit or other slips you sign or\nreceive may contain different terms.\n\npage 2 of 3\n\n\x0cYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nWhat Will Happen After We Receive Your Letter\n\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\n\nWhen we receive your letter, we must do two things:\n\nTo use this right, all of the following must be true:\n\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n\n1. The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue\nto charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your credit\ncard account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 3 of 3\n\n\x0c'