John Deere Financial Multi-Use Online Application, Terms : Page 1 of 11 MULTI-USE CONSUMER USE CREDIT AGREEMENT THIS IS YOUR AGREEMENT. PLEASE READ IT AND KEEP IT FOR YOUR RECORDS. Account Opening, Application and Solicitation Disclosures   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for {Purchases 15.15% for Preferred Purchases 17.15% for Merchant Authorized Purchases Your annual percentage rate may vary. The rate is determined by adding 1 Preferred Accounts) and 13.9 (for Merchant Authorized Accounts) percent points to the annual percentage rate of interest announced publicly fromt time by Citibank, N.A. in New York, New York as the base rate it uses for in rate determinations, which was in effect at the close of business on the 15 lof each month.   jPenalty APR and When it Applies None   IHow to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We w charge you interest on purchases if you pay your entire balance due by the date each month.     Minimum Interest Charge None   For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credi visit the website of the Federal Reserve Board at   http://www.federalreserve.gov/creditcard               Fees jPenalty Fees lLate Payment Fee {Up to $35.00 Returned Payment Fee jUp to $35.00     How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in yo account agreement. TERMINOLOGY. In this Agreement the words you, your, and yours mean each person who applies for and is grante -use account, including any co-applicant identified on the application, as well as any person permitted to use the ¢ JDF means John Deere Financial, f.s.b., or any subsequent holder of the Account or any balances arising under the When the terms "finance charge" and ' ‘interest charge" are used in this agreement and on other documents relate your account, they have the same meaning. MULTI-USE ACCOUNT. You request a multi-use account from JDF, and further authorize JDF to issue a multi-use ac: http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms. html 7/23/2012John Deere Financial Multi-Use Online Application, Terms : Page 2 of 11 card to each merchant from whom you may make a purchase. By applying for a Preferred Account, or by using av Authorized Account to make a purchase from a merchant who requests JDF to open one for you, you agree that tr Agreement will apply to all purchases made through your multi-use account by you or any person you authorize. T out of a consumer credit sale. You authorize JDF to honor any purchases you make by mail or telephone, internet, transmission (fax) or other electronic means on your Account. You agree that a signature is not necessary as identi in such cases. You agree that any authorized use of your Account constitutes your acceptance of all the terms and conditions of this Agreement, as it may be amended from time to time. If you submit your application to JDF by int facsimile transmission (fax) or other electronic means, you agree that the application will have the same effect as ; original. You agree that you will promptly notify JDF in writing of any suspected loss, theft, or unauthorized use of Account. You may be liable for the unauthorized use of your multi-use account before you notify JDF in writing at . Deere Financial, P.O. Box 5328, Madison, Wisconsin 53705-0328 of the unauthorized use. In any case, your liability exceed $50. You consent and agree that your telephone conversations with JDF may be recorded to further impro customer service. You agree that JDF and any affiliate and any retained debt collector may place phone calls to yor any telephone number, including a mobile phone number, you have provided to JDF, any affiliate or any retained ¢ collector, including calls using an automatic dialing and announcing device and prerecorded calls, and that such ca not “unsolicited” under state or federal law. You agree to give JDF prompt notice of any change in your name, mai address, or place of employment. You agree that until JDF receives notice of your new address, JDF may continue 1 statements and other notices to the address you gave JDF on the application for this Account. You agree that, for t purposes of this Agreement, you will be deemed to “reside” in the state of your billing address as shown on JDF's r If more than one person or entity signed the application, each is jointly and severally responsible for all obligations amounts due, under this Agreement. This Agreement is not binding on JDF until JDF has approved your credit and you notice of approval. If Maryland law applies, Subtitle 9 of Title 12 of the Maryland Commercial Law will apply. ACCOUNT TYPE. If your multi-use account arose through JDF's purchase of your existing account balance with a me or at the request of one or more merchants, your Account may be classified as a Merchant Authorized Account. Ce special features or promotions that JDF may offer from time to time may be made available only to Preferred Accc Merchant Authorized Accounts are useable only at a merchant who asked JDF to finance your purchases from the! may, in its sole discretion, classify your account as a Preferred Account. When JDF opens your Account, and on eac monthly statement, JDF will indicate whether your Account is either a Preferred or Merchant Authorized Account. CREDIT LIMITS. JDF will establish and advise you of your credit limit. You agree that JDF may increase or decrease your credit limit at any time, in JDF’s sole discretion, without prior notic ACCOUNT USE. By applying for or accepting a multi-use Consumer Account, you agree to use your Account priman make purchases for personal, family or household use, rather than for agricultural, commercial or governmental u agree to pay JDF all amounts charged by the use of the Account, plus Interest Charges, and the other charges desc below, as provided in this Agreement. You agree that JDF is not responsible for the refusal of anyone to allow a purchase to be made through your multi-us account. MONTHLY STATEMENT. JDF will send you a monthly statement whenever there is activity on your Account, unless ° activity is a payment in full. JDF will bill you on the monthly statement for all amounts you owe. Your monthly stat will show your New Balance, any Late Fees, any Interest Charge, the Minimum Required Payment and the Paymen Date. In addition, it will show your Credit Limit, an itemized list of current Purchases, Payments, and Credits, as we other information concerning your Account. JDF will send your monthly statements on dates and in intervals deter by JDF. Such statement shall be deemed correct and accepted by you unless JDF is notified to the contrary in writil 60 days of the date of that statement. If you think your monthly statement is incorrect, write to JDF on a separate the address shown on the back of your billing statement. Describe the error as best you can and include your Acco number in all correspondence. http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html 7/23/2012  John Deere Financial Multi-Use Online Application, Terms : Page 3 of 11 PAYMENT. The Payment Due Date is the date the payment must be received at the address shown on the front of monthly statement. You may at any time pay your entire New Balance or pay more than the Minimum Required P. ‘and you may avoid or reduce interest Charges by doing so. However, payment of more than the Minimum Require Payment, while reducing your balance will not prepay your Account or be applied against future Minimum Require Payments. All payments must be in U.S. dollars and drawn on funds on deposit in the United States. If your Payme Date falls on a date which we do not receive or accept payments by mail (including weekends and holidays) we wil treat the payment received the next business day as late for any purpose. For information about your rights regarc billing errors, refunds or adjustments, please refer to the section - What To Do If There's An Error In Your Bill. Payr must be sent to John Deere Financial, at the address designated on your monthly payment stub or to any other pa address JDF later designates on your monthly statement payment stub. We will not accept any payments at our of INTEREST CHARGE RATES. Interest Charges on your multi-use account may be calculated using variable rates that w determined by reference to a "Base Rate" to which is added a "Spread" to arrive at the current rate. The Base Rate from which your variable rates will be determined is the annual percentage rate of interest announced publicly from time to time by Citibank, N.A. in New York, New York as the base rate it uses for inter rate determinations, which was in effect at the close of business on the fifteenth (15th) calendar day of each or the next succeeding business day if the fifteenth is not a business day ("Reference Day"). The Spreads added the Base Rate to determine the ANNUAL PERCENTAGE RATES (APRs) that will apply to your Account will be: Preferred Merchant Authorized Spread 11.9% 13.9% Rate increases and decreases, that result from changes in the Base Rate will take effect on the first day of the mon the next succeeding business day if the first day is not a business day, after the Reference Day on which the Base F changes. Changes in your variable rates will apply to your existing Account balance as well as to future purchases under you Account. An increase in your rate will increase the total Interest Charge accruing on your Account and the balance which your Minimum Required Payment is calculated. For example, if the Base Rate (and thus the applicable varial were to increase by 5%, and the average daily balance to which the new rate applied was $1,000, your INTEREST C for that month would increase by $4.17 as a result of the increase in the variable rate. Currently effective rates are shown below:                                 | Daily Periodic Rate(s) I Annual Percentage Rate(s) h Preferred Merc a nt Preferred Mercha nt Authorized Authorized Purchases Purchases Purchases Purchases Rate: | .041507% I .046986% I 15.15% | 17.15%     The above rates are correct as of the date of printing, 04/16/2012, but are subject to change after that date. To fir what may have changed, write to John Deere Financial, P.O. Box 5328, Madison, Wisconsin 53705-0328; or call Cu Service at 1-800-356-9033. INTEREST CHARGE CALCULATION. INTEREST CHARGES will accrue on your Account Balance as follows: On purchases JDF will add an INTEREST CHARGE, calculated as shown below, if your New Balance is not paid in or before the Payment Due Date. To avoid additional Interest Charges on your purchases, you must pay the Nev Balance in full on or before the Payment Due Date. The amount of your INTEREST CHARGES will be determined as follows: http://www.deere.com/en_US/does/financial/usa/terms/consumerterms.html 7/23/2012John Deere Financial Multi-Use Online Application, Terms : Page 4 of 11 JDF uses the daily periodic rates and corresponding APRs shown in this Agreement. The applicable periodic rate applied to the "Average Daily Balance” of your purchases, including current transactions during the current billi: cycle. To get the "Average Daily Balance”, JDF takes the beginning balance of your purchases, starting with any Previo! Balance outstanding on the first day of the monthly billing cycle, adds any new purchases and debits (other tha: payment fees) and subtracts any payments or credits. This determines the daily balance. Unless JDF elects to us later date, purchases are added to the daily balance as of the date of purchase. JDF totals the daily balances for the billing cycle and divides the total by the number of days in the billing cycle. gives JDF the "Average Daily Balance” which is shown on your monthly statement. Interest Charges may accrue Special Promotions Transactions at a different rate, as explained in the Special Promotions section of this Agree DEFAULT INTEREST CHARGE RATE.If you are in default, you may no longer qualify for any reduced interest rate Spe Promotions and, you agree that, at JDF's option, the APR applicable to any outstanding reduced interest rate Speci Promotion(s), may be increased to the APR described in this Agreement. MINIMUM REQUIRED PAYMENT. You agree to pay each month a Minimum Required Payment equal to: 1. Any late payment fee due; plus 2. Any additional fees due; plus 3. Any amount past due; plus 4. For Purchases: (a) Either the greater of: $25, or 10% of your New Balance (less any Conversion Balance {balances transferred to John Deere Financial from a merchant's accounts receivable} and less any Special Promotions Transaction(s) balances on which no payment is due) if it exceeds $25; (b) Oryour entire New Balance (less any Conversion Balance and Special Promotions Transaction(s) balances on which no payment is due), if it is less than $25. 5. The amount of any Special Promotions Transaction that is due; 6. For Conversion Balances: (a) Either the greater of $25, or 10% of your Conversion Balance, if that balance exceeds $25; (b) Oryour entire Conversion Balance, if it is less than $25. SPECIAL PROMOTIONS. From time to time special financing terms, such as extended free periods, incentive interes on certain purchases or for limited time periods, or other promotions may be available, at the discretion of JDF, fo purchase of certain items from participating merchants. These special terms will be disclosed by the merchant at t of purchase. Purchases you make during these special promotions will be separately identified on your monthly st: and will become part of the balance on which your INTEREST CHARGE and Minimum Required Payment are calcul: the time provided in the special promotions terms disclosure. NO INTEREST WITH PAYMENT TRANSACTIONS. Unless otherwise disclosed, minimum monthly payments will be m interest Charges will not accrue during any disclosed No Interest with Payment period described. Interest Charges accrue at the APR applicable to your Account after the due date of your No Interest with Payment transaction, unl otherwise disclosed. If the No Interest with Payment transaction is not paid in full during the introductory No Intere: Payment period, interest charges will accrue at the current effective rate, which will vary. To find out the current effi rate on your Account, write to JDF at John Deere Financial, P.O. Box 5328, Madison, Wisconsin 53705-0328; or call C Service at 1-800-356-9033. NO INTEREST IF PAID IN FULL TRANSACTIONS. Unless otherwise disclosed, minimum monthly payments will be ma Interest Charges will accrue during any No Interest if Paid in Full period. No Interest Charge will be due until the er http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html 7/23/2012  John Deere Financial Multi-Use Online Application, Terms : Page 5 of 11 No Interest if Paid in Full period and any accrued Interest Charge will be waived if the entire No Interest if Paid in F balance is paid in full by the end of this No Interest if Paid in Full period. If the No Interest if Paid in Full transaction is not paid in full during the introductory No Interest if Paid in Full period, interest charges will accrue from the trans date at the current effective rate, which will vary. To find out the current effective rate on your Account, write to JDI Deere Financial, P.O. Box 5328, Madison, Wisconsin 53705-0328; or call Customer Service at 1-800-356-9033. OTHER FEES and CHARGES. LATE PAYMENT FEES: JDF may apply to your Account a late payment fee of $25 the first time JDF does not receive payment of at least the current portion of your Minimum Required Payment (Minimum Required Payment plus un payment fees and past due amounts), by the payment due date shown on your statement, and a $35 fee for any a late payments during the next six statement billing cycles. RETURNED PAYMENT FEE. If you send JDF a check or electronic payment authorization that is dishonored upon firs presentment, JDF may add to your Account a fee of $25 on the first dishonored payment, and a $35 fee for any ad dishonored payments during the next six statement billing cycles. COLLECTION COSTS. Upon default, you will pay for expenses incurred in connection with the enforcement of our r without limitation, repossession, repair and collections costs, any attorney's fees plus court costs and related fees any bankruptcy fees and costs, to the extent permitted by applicable law. If New Hampshire law applies, those fee awarded to you if you prevail in any such action, suit or proceeding. ACCEPTING PAYMENT. JDF can accept late or partial payments, as well as payments marked "paid in full” or with o restrictive endorsements, without losing any of JDF’s rights under this Agreement CREDIT REPORTS. JDF may report your performance under this Agreement to credit reporting agencies and others request a credit reference from JDF. As required by law, you are hereby notified that a negative credit report refle your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obliga JDF may ask credit reporting agencies or others you list as a credit reference for consumer reports or information | your credit history at any time for all legitimate purposes, including credit decisions and the review and collection account. You authorize JDF to use information about you for other business purposes, including sharing informatic JDF's corporate affiliates. You also authorize JDF to disclose financial information about you as described in this Ag and future notices JDF may send you. CLOSING YOUR ACCOUNT. You may close your Account at any time by notifying JDF in writing. You agree that JDF r or suspend your Account to future purchases at any time without prior notice. You agree that JDF may close or sus your Account to future purchases if your Account has no activity for 12 or more months. You agree that, regardles. closing or suspension of your Account, you remain responsible for paying the amount you owe JDF according to th of this Agreement. SECURITY INTEREST. Unless you reside in NC and the APR on a purchase or transaction exceeds 15%, you grant JDF purchase money security interest in all merchandise purchased through your Account, and its proceeds, including in proceeds. JDF's security interest continues until such merchandise is paid for in full by application of your payment manner described in this Agreement. PAYMENT APPLICATION. You agree that your Minimum Required payment will be applied as JDF determines in its s discretion. You agree that JDF has this discretion and that JDF may exercise it to suit its own convenience and inte! without further notice to you. You also agree that JDF may change how it applies payments at any time without nc you. You acknowledge that the exercise of this discretion by JDF may result in cases in which the application of yot payments to the Account creates higher Interest Charges then other payment application methods and that this include payments allocated to balances with lower APRs before balances with higher APRs and/or to balances witt promotional periods before balances with shorter or no promotional periods. JDF will allocate the entire amount you in excess of the Minimum Required Payment amount to the balances on which interest is deferred during the http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html 7/23/2012John Deere Financial Multi-Use Online Application, Terms : Page 6 of 11 billing cycles immediately preceding the expiration of the period during which interest is deferred. JDF shall apply . remaining amount paid by you first to the transaction balance bearing the next highest rate of interest, and then t successive transaction balance bearing the next highest rate of interest, until all the amount you paid is applied to Account. You agree that your payments will be credited as of the date of receipt at the address on the payment stub of you: Monthly Statement if received by 5:00 p.m. Central Time Monday through Friday (otherwise next business day). If is not accompanied by the payment stub or account number, is not received at that location, or is not made in U.S by check or money order, credit may be delayed up to two business days. MERCHANT CHARGEBACKS. JDF may charge back to a merchant who sold goods or services to you on your Account part of your Account balance related to those purchases. In that event, this Agreement will be deemed assigned tc merchant to the extent of the chargeback. You agree to such an assignment and further agree to pay the merchan amount of such chargeback in accordance with the terms of this Agreement. DEFAULT. You agree that you will be in default if: (a) you fail to pay the Minimum Required Payment within 20 day the Payment Due Date on two occasions within any 12-month period; (b) the value of JDF's security interest in any collateral is materially impaired; (c) your ability to repay is materially reduced by your exceeding your credit limit, change in your employment, by a change in your other obligations, by bankruptcy or insolvency proceedings invoh or (for community property state residents only) by a change in your marital status or domicile; (d) you die or becc incompetent; (e) you provided JDF false or misleading information relating to your credit application or Account; ( to perform any other of your obligations under the terms of this Agreement as it may be amended; or (g) you are i under any agreement you have with JDF or any of its affiliates. You agree that, upon your default, JDF may close your Account to future purchases and that JDF may demand imr payment of your entire Account balance, after giving you any notice and opportunity to cure the default required | applicable law. In addition, you agree that JDF shall have all the rights of a secured creditor under the Uniform Cor Code and other applicable law. DELAY IN ENFORCEMENT. You agree that JDF can delay enforcing its rights under this Agreement without losing th: ELECTRONIC DISCLOSURES. You agree that any notices and disclosures related to your account can be delivered to printed form or by electronic means if you provided an electronic mail address to JDF when you applied for this Ac at a later date. Until JDF receives notice of a new electronic mail address, JDF may continue to send such notices a disclosures to the electronic mail address you most recently provided to JDF. GOVERNING LAW. This Agreement must be approved, and all charges and payments to your Account processed by its office in Madison, Wisconsin. Therefore this Agreement and your Account will be governed by the substantive | United States and to the extent state law applies to this Agreement, the substantive law of the State of Wisconsin; regardless of whether or not you reside in Wisconsin. The law of your state of residence will apply to JDF's recover collateral located there. This is the entire Agreement between you and JDF relating to your multi-use account and changes can be made. Invalidity of any provision of this Agreement shall not affect the validity and enforceability of the remainder of its { CHANGING THIS AGREEMENT. IMPORTANT: READ BEFORE SIGNING. THE TERMS OF THIS AGREEMENT SHOULD BE CAREFULLY BECAUSE ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE. NO OTHER TERMS OR ORAL PROMISES CONTAINED IN THIS WRITTEN CONTRACT MAY BE LEGALLY ENFORCED. YOU MAY CHANGE THE TERMS OF THIS AGREEMENT ONLY BY ANOTHER WRITTEN AGREEMENT. You agree that JDF may change this Agreement, including Interest Charge Calculation and the APR, at any time, by providing prior notice to you. To the extent that the law p and JDF indicates in the notice, the changes will apply to your existing Account balance as well as to future transac ARBITRATION OF DISPUTES. In the event of any past, present or future claim or dispute between you and JDF arisir http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html 7/23/2012  John Deere Financial Multi-Use Online Application, Terms : Page 7 of 11 or relating to your Account, any prior account you have had with JDF, your application, the relationships which res your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreeme or JDF may elect to resolve the claim or dispute by binding arbitration. This includes any such claim or dispute, whether based upon contract, property, tort, statute, common law or equ than a claim relating to JDF's right to repossess the merchandise purchased through your account by self-help, if p or by judicial process. The parties agree and understand that the arbitration shall have all powers provided by law Contract. These powers shall include all legal and equitable remedies including, but not limited to money damages declaratory relief, and injunctive relief. The parties agree and understand that they choose arbitration instead of litigation to resolve disputes. The parties understand that they have the right or opportunity to litigate disputes in court, but that they prefer to resolve the disputes through arbitration, except as provided herein. IF EITHER YOU OR JDF ELECTS ARBITRATION, NEITHER YOU NOR JDF SHALL HAVE THE RIGHT TO LITIGATE THAT CL: COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL WILL BE LIMITED. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL, E! PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR PURSUANT TO A COURT ACTION. NEITHER YOU NOR JDF SH, ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CUSTOMER WITH RESPECT 1 OTHER ACCOUNTS, OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Even if all parties have opted to litigate a claim in court, you or JDF may elect arbitration with respect to any claim a new party or any new claims later asserted in that lawsuit, and nothing undertaken therein shall constitute a wai any rights under this arbitration provision. Arbitration may be elected at any time, regardless of whether a lawsuit been filed, unless the lawsuit involving that claim or dispute has resulted in a final judgment. JDF will not invoke JE to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, so long as th: pending only in that court and does not exceed $5,000. Your Account involves interstate commerce, and this provision shall be governed by the Federal Arbitration Act (F/ arbitration shall be conducted by JAMS or American Arbitration Association (AAA), at the option of the party electi arbitration, in accordance with their procedures in effect when the claim is filed. As of "date of print", for a copy o procedures, to file a claim or for other information, contact AAA's customer service at 1-800-778-7879 or visit thei at www.adr.org or contact JAMS at 1-800-352-5267 or by visiting their website at www.jamsadr.com. All claims mi filed at any JAMS or AAA office. At your written request, JDF will advance any arbitration filing, administrative and fees which you would be required to pay to pursue a claim or dispute as a result of JDF's electing to arbitrate that: dispute. The arbitrator will decide who will ultimately be responsible for paying those fees. In no event will you be to reimburse JDF for any arbitration filing, administrative, or hearing fees in an amount greater than what your an combined court cost would have been if the claim had been resolved in a state court with jurisdiction. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow a substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims privilege recognized at law. If requested by any party, the arbitrator shall write an opinion containing the reasons | award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except thi amount in controversy exceeds $100,000, any party may appeal the award within 30 days to a three-arbitrator pai shall review the award de novo. The costs of such an appeal shall be borne by the appealing party regardless of ou Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. JDF's rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon JDF's corporations, subsidiaries, affiliates, predecessors, successors, assigns, as well as the officers, directors and emplo each of these entities, and will also inure to the benefit of any third party named as a co-defendant with JDF or wit the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitra http://www.deere.com/en_US/does/financial/usa/terms/consumerterms.html 7/23/2012John Deere Financial Multi-Use Online Application, Terms : Page 8 of 11 provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement ar Authorized Users of the Account. This arbitration shall survive termination of your Account as well as voluntary pa full by you, and legal proceedings by JDF to collect a debt owed by you, any bankruptcy by you and any sale by JDF Account. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government fight th of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and re: information that identifies each person who opens an account. What this means for you: When you open an accol will be asked for your name, address, date of birth, and other information that will allow JDF to identify you. You n be asked to show your driver's license or other identifying documents. WHAT TO DO IF THERE IS AN ERROR IN YOUR BILL. YOUR BILLING RIGHTS. KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and JDF’s responsibilities under the Fair Credit Billing NOTIFY JDF IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL. If you think your bill is wrong, or if you need more information about a transaction on your bill, write to JDF (on a: sheet) at the address shown on the reverse side of your billing statement. Write to JDF as soon as possible. JDF mt from you not later than 60 days after JDF sent you the first bill on which the error or problem appeared. You can t JDF, but doing so will not preserve your rights. In your letter, give JDF the following information: — Your name and account number — The dollar amount of the suspected error — Describe the error and explain, if you can, why you believe there is an error — If you need more information, describe the item you are unsure about. If you have authorized JDF to pay your credit card bill automatically from your savings or checking account, you stop the payment on any amount you think is wrong. To stop the payment your letter must reach JDF three bu days before the automatic payment is scheduled to occur. YOUR RIGHTS AND JDF's RESPONSIBILITIES AFTER JDF RECEIVES YOUR WRITTEN NOTICE. JDF must acknowledge you within 30 days, unless JDF has corrected the error by then. Within 90 days, JDF must either correct the error or ex why JDF believes the bill was correct. After JDF receives your letter, JDF cannot try to collect any amount you question, or report that amount delinquen can continue to bill you for the amount you question, including interest charges, and JDF can apply an unpaid amo against your credit limit. You do not have to pay any questioned amount while JDF is investigating, but you are sti obligated to pay the parts of your bill that are not in question. if JDF finds that JDF made a mistake on your bill, you will not have to pay any interest charges related to any quest amount. If JDF didn't make a mistake, you may have to pay interest charges, and you will have to make up any mi: payments on the questioned amount. In either case, JDF will send you a statement of the amount you owe and th that it is due. if you fail to pay the amount that JDF thinks you owe, JDF may report you as delinquent. However, if JDF’s explanz does not satisfy you, and you write to JDF within 25 days telling JDF that you still refuse to pay, JDF must tell anyor reports you to that you have a question about your bill. And, JDF must tell you the name of anyone it reports you must tell anyone it reports you to that the matter has been settled between you and JDF when it is finally settled. If JDF doesn't follow these rules, it can't collect the first $50 of the questioned amount, even if your bill was correc SPECIAL RULES FOR CHARGE ACCOUNT PURCHASES If you have a problem with the quality of property or services that you purchased with your multi-use account, anc http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html 7/23/2012  John Deere Financial Multi-Use Online Application, Terms : Page 9 of 11 have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remainin amount due on the property or services. There are two limitations on this right: ~ You must have made the purchase in your home state or, if not within your home state, within 100 miles of y current mailing address; and ~ The purchase price must have been more than $50. These limitations do not apply if JDF owns or operates the merchant, or if JDF mailed you the advertisement for t property or services. Your Choice to Limit Marketing ~ John Deere Financial, f.s.b. ("JDF") and its credit affiliates are providing this notice. They include Deere & Company, Deere Credit, Inc., and John Deere Construction & Forestry Company. — You may limit the JDF affiliate Deere companies, such as the manufacturing, credit, leasing and insurance affiliates, from marketing their products or services to you based on your personal information that they receiv from JDF. This information may include your income, account history, and credit score. ~ Your choice to limit marketing offers from the JDF affiliate Deere companies will apply for at least 5 years fro when you tell us your choice. Once that period expires, you will receive a renewal notice that will allow you to continue to limit marketing offers from JDF affiliate Deere companies for at least another 5 years. —To limit marketing offers, contact us at 1-800-356-9033. Credit Disclosure for Consumer Account                                                       Annual | ANNUAL PERCENTAGE RATE(S) Percentage | Preferred Purchases I Merchant Authorized Purchases Rate(s) for Purchases || Rate: 15.15% 17.15% Your annual percentage rate may vary. The rate is determined by adding 11.9 (for Preferred Variable Accounts) and 13.9 (for Merchant Authorized Accounts) percentage points to the annual pe Rate rate of interest announced publicly from time to time by Citibank, N.A. in New York, New Yc Information the base rate it uses for interest rate determinations, which was in effect at the close of bus the 15th day of each month. Grace Period for Repayment of 25 days, on average, from your billing date to repay the new balance of pu Balances for Purchases before an interest charge will be imposed. Method of Computing the Balance for Average daily balance. Purchases [Minimum Finance Charge None lLate Payment Fee llLate Payment fee of up to $35.00.     The above information was accurate as of the date of its printing, 04/16/2012, but is subject to change after that C find what may have changed, write to John Deere Financial, PO Box 5328, Madison, WI 53705-0328 or call Custom Service at 1-800-356-9033. View printer friendly version of the Privacy Notice below (PDF)   Rev       FACTS || WHAT DOES JOHN DEERE FINANCIAL, F.S.B. DO WITH YOUR PERSONAL INFORMATION?       http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html 7/23/2012John Deere Financial Multi-Use Online Application, Terms : Page 10 of 11   Why? Financial companies choose how they share your personal information. Federal law gives consumers t right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, at protect your personal information. Please read this notice carefully to understand what we do.     What? |] The types of personal information we collect and share depend on the product or service you have wit This information can include: ~ Social Security number and income — account balances and payment history — credit history and credit scores     How? All financial companies need to share customers’ personal information to run their everyday business. section below, we list the reasons financial companies can share their customers’ personal informatio! reasons John Deere Financial, f.s.b. chooses to share; and whether you can limit this sharing.             Reasons we can share your personal information Does John Deere Can yo Financial, f.s.b. share? |ithis shi     For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or Yes | report to credit bureaus                                                     For our marketing purposes - to offer our products and services to you I Yes | | For joint marketing with other financial companies I Yes | i For our affiliates' everyday business purposes - information about your Yes \ transactions and experiences For our affiliates' everyday business purposes - information about your Yes \ creditworthiness |For our affiliates to market to you I Yes H \ For nonaffiliates to market to you i Yes l ) To limit our || — Call 1-800-356-9033 - at the menu prompt, select 0 and one of our Customer Service Representa! sharing be able to assist you. Please note: If you are a new customer, we can begin sharing your information 30 days from the dz sent this notice. When you are no /onger our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.               lQuestions \|call 1-800-356-9033         What we do How does John Deere Financial, f.s.b. |[To protect your personal information from unauthorized access and use, we protect my personal information? security measures that comply with federal law. These measures include col safeguards and secured files and buildings.         How does John Deere Financial, f.s.b. ||We collect your personal information, for example, when you collect my personal information?           http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms. htm] 7/23/2012    John Deere Financial Multi-Use Online Application, Terms : Page 11 of 11 — open an account use your credit card or give us your income information — pay us by check or show your driver’s license We also collect your personal information from others, such as credit burea affiliates, or other companies.     Why can't | limit all sharing? Federal law gives you the right to limit only ~ sharing for affiliates' everyday business purposes - information about yo creditworthiness — affiliates from using your information to market to you — sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit s     What happens when | limit sharing for an account ! hold jointly with someone else?     Your choice will apply to everyone on your account.           [Definitions     Affiliates Companies related by common ownership or control. They can be financial and nonfinancial comp John Deere Financial, f.s.b. and its credit affiliates including Deere & Company, Deere Credit, Inc. John Deere Construction and Forestry Company.     companies. Nonaffiliates |[Companies not related by common ownership or control. They can be financial and nonfinancial Such as securities brokers-dealers, insurance companies and agents and merchants participating John Deere Financial program who have identified you as their customer.     Marketing ito you.         Hoint A formal agreement between nonaffiliated companies that together market financial products or s John Deere Financial Merchants     a Print this page {[X] Close CR Litho in U.S.A. (12-02) Multi-use accounts are a service of John Deere Financial, f.s.b. Copyright 2012 Deere & Company. All Rights Reserved. Site Map | Privacy Policy | Legal | Provider | 1 http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms. html 7/23/2012   Page 1 of 2 Rev. April 2012 WHAT DOES JOHN DEERE FINANCIAL, F.S.B. DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.                                        The types of personal information we collect and share depend on the product or service you have with us. This information can include: |= Social Security number and income ™ account balances and payment history = credit history and credit scores     | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons John Deere Financial, f.s.b. | chooses to share; and whether you can limit this sharing.          For our everyday business Yes purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit       bureaus For our marketing purposes— to Yes No offer our products and services to you For joint marketing with other Yes No financial companies For our affiliates’ everyday business Yes Yes purposes— information about your transactions and experiences For our affiliates’ everyday business Yes Yes purposes— information about your creditworthiness For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes                 © Call 1-800-356-9033—and at the Menu, select 0 and one of our Customer Service Representatives will be able to assist you. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no /onger our customer, we continue to share your information as described in this notice.   However, you can contact us at any time to limit our sharing.       Call 1-800-356-9033          How does John Deere Financial, f.s.b. protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. .   How does John Deere Financial, f.s.b. collect my personal information: We collect your personal information, for example, when you ™ open an account ™ use your credit card or give us your income information ™ pay us by check or show your driver's license We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.   Why can’t I limit all sharing? Federal law gives you the right to limit only = sharing for affiliates’ everyday business purposes—information about your creditworthiness = affiliates from using your information to market to you = sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.   What happens when I limit sharing for an account I hold jointly with someone else? Your choice will apply to everyone on your account.       Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. " John Deere Financial, f.s.b. and its credit affiliates including Deere & Company, Deere Credit, Inc., and John Deere Construction and Forestry Company.   Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. =" Such as securities brokers-dealers, insurance companies and agents and merchants participating in the John Deere Financial program who have identified you as their customer.   Joint Marketing     A formal agreement between nonaffiliated companies that together market financial products or services to you. =" John Deere Financial Merchants