4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
            REVOLVING�PLAN�TERMS�AND�CONDITIONS���PERSONAL�USE��
                    RETAIL�CREDIT�AND�SECURITY�AGREEMENT
                                           �
                       This�is�your�Agreement.�Please�read�it�and�keep�it�for�your�records.
       If�you�have�applied�for�a�revolving�credit�account,�the�following�disclosures�apply:�
       Account�Opening,�Application�and�Solicitation�Disclosures
                                Interest�Rates�and�Interest�Charges
         Annual�Percentage�Rate�(APR)�for
                               18.50%�This�APR�will�vary�with�the�market�based�on�the�Prime�Rate.
               Purchases
         Penalty�APR�and�When�It�Applies None
         How�to�Avoid�Paying�Interest�on Your�due�date�is�at�least�25�days�after�the�close�of�each�billing�cycle.�We�will�not
               Purchases       charge�you�interest�on�purchases�if�you�pay�your�entire�balance�due�by�the�due�date
                               each�month.
           Minimum�Interest�Charge None
          For�Credit�Card�Tips�from�the To�learn�more�about�factors�to�consider�when�applying�for�or�using�a�credit�card,�visit
       Consumer�Financial�Protection�Bureau the�website�of�the�Consumer�Financial�Protection�Bureau�at
                               http://www.consumerfinance.gov/learnmore�
       �
                               Fees
                         �
       ����Penalty�Fees
       ����Late�Payment�Fee Up�to�$35.00
       ����Returned�Payment�Fee Up�to�$35.00
       �
       HOW�WE�CALCULATE�YOUR�BALANCE.�We�use�a�method�called�"average�daily�balance�(including�new�purchases)."�See�your
       Account�Agreement�for�more�details.
       �
       BILLING�RIGHTS.�Information�on�your�rights�to�dispute�transactions�and�how�to�exercise�those�rights�is�provided�in�your�Account
       Agreement.�
       NOTICE�TO�OHIO�RESIDENTS.�The�Ohio�laws�against�discrimination�require�that�all�creditors�make�credit�equally�available�to�all
       creditworthy�customers,�and�that�credit�reporting�agencies�maintain�separate�credit�histories�on�each�individual�upon�request.�The
       Ohio�Civil�Rights�Commission�administers�compliance�with�this�law.�
       NOTICE�TO�DELEWARE�RESIDENTS.�Service�charges�not�in�excess�of�those�permitted�by�law�will�be�charged�on�the
       outstanding�balances�from�month�to�month.
       NOTICE�TO�MAINE�RESIDENTS.�If�this�application�is�approved�by�the�creditor,�you�will�be�required�to�obtain�and�maintain
       physical�damage�insurance�on�the�collateral�securing�the�debt.�You�have�a�right�of�free�choice�in�the�selection�of�the�agent�and
       insurer�through�or�by�which�the�insurance�is�placed.
       NOTICE�TO�MARRIED�WISCONSIN�RESIDENTS.�Wisconsin�law�provides�that�no�agreement,�unilateral�statement�or�court�decree
       relating�to�marital�property�shall�adversely�affect�a�creditor's�interest,�unless�prior�to�the�time�credit�is�granted�the�creditor�is
       furnished�a�copy�of�the�agreement,�statement�or�decree,�or�has�actual�knowledge�of�the�adverse�provision.�You�must�indicate�the
       name�of�your�spouse�in�Section�2�of�this�application,�and�the�address�if�different�from�yours.�
       APPLICANT(S)�ACKNOWLEDGE�THAT�(1)�SELLER�HAS�NOT�REPRESENTED�THAT�THE�TERMS�OF�THIS�FINANCING�ARE
       MORE�OR�LESS�FAVORABLE�THAN�OTHER�FINANCING?�(2)�SELLER�IS�NOT�APPLICANT'S�AGENT�IN�OBTAINING�THE
       FINANCING?�(3)�APPLICANT�MAY�OBTAIN�FINANCING�FROM�OTHER�SOURCES?�(4)�SELLER�MAY�BE�COMPENSATED�FOR
    http://www.deere.com/en_US/docs/financial/usa/terms/allterms.html           1/9
    4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
       SERVICES�INVOLVED�IN�ARRANGING�THIS�FINANCING.
       TERMINOLOGY.�In�this�Agreement�the�words�you,�your,�and�yours�mean�each�person�who�applies�for�and�is�granted�a�Revolving
       Plan�Account,�("Account")�and�any�co�applicant�identified�on�the�application.�JDF�means�John�Deere�Financial,�f.s.b.,�or�any
       subsequent�holder�of�the�Account�or�any�balances�arising�under�the�Account.�When�the�terms�"finance�charge"�and�"interest
       charge"�are�used�in�this�Agreement�and�on�other�documents�related�to�your�Account,�they�have�the�same�meaning.
       �
       CREDIT�APPROVAL.�This�Agreement�is�not�binding�on�JDF�unless�and�until�JDF�has�approved�your�credit�and�given�you�notice
       of�approval.
       �
       CARD.�You�requested�an�Account�and�credit�card�("Card")�from�JDF.��You�agree�that�this�Agreement�controls�all�purchases�made
       on�this�Account�or�with�use�of�the�Card�by�you�or�any�person�you�authorize�to�use�it.��This�arises�out�of�a�consumer�credit�sale.�You
       authorize�JDF�to�honor�any�purchase�you�make�by�mail,�telephone,�internet,�facsimile�transmission�(fax)�or�other�electronic�means
       on�your�Account.��You�agree�that�a�signature�is�not�necessary�as�identification�in�such�cases.��You�agree�that�any�authorized�use
       of�your�Account�or�Card�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�internet,�facsimile�transmission�(fax),�or�other�electronic�means,�you�agree
       that�the�application�will�have�the�same�effect�as�a�signed�original.��You�agree�that�you�will�promptly�notify�JDF�in�writing�of
       suspected�loss,�theft,�or�unauthorized�use�of�your�Card.��You�may�be�liable�for�the�unauthorized�use�of�your�Card�before�you�notify
       JDF�in�writing�at�John�Deere�Financial,�P.O.�Box�5327,�Madison,�Wisconsin�53705�0327�(800�541�2969)�of�the�unauthorized�use.�
       In�any�case,�your�liability�will�not�exceed�$50.��You�consent�and�agree�that�your�telephone�conversations�with�JDF�may�be
       recorded�to�further�improve�JDF�s�customer�service.�You�agree�that�JDF�and�any�affiliate�and�any�retained�debt�collector�may
       place�phone�calls�to�you�using�any�telephone�number,�including�a�mobile�phone�number,�you�have�provided�to�JDF,�any�affiliate
       or�any�retained�debt�collector,�including�calls�using�an�automatic�dialing�and�announcing�device�and�prerecorded�calls,�and�that
       such�calls�are�not�"unsolicited"�under�state�or�federal�law.�You�agree�to�give�JDF�prompt�notice�of�any�change�in�your�name,
       mailing�address,�telephone�number�or�place�of�employment.�You�agree�that�until�JDF�receives�notice�of�your�new�address,�JDF
       may�continue�to�send�statements�and�other�notices�to�the�address�you�gave�JDF�on�the�application�for�this�Account.�You�agree
       that,�for�the�purposes�of�this�Agreement,�you�will�be�deemed�to�"reside"�in�the�state�of�your�billing�address�as�shown�on�JDF�s
       records.�If�more�than�one�person�or�entity�signed�the�application,�each�is�jointly�and�severally�responsible�for�all�obligations,�and
       amounts�due,�under�this�Agreement.�If�Maryland�law�applies,�Subtitle�9�of�Title�12�of�the�Maryland�Commercial�Law�will�apply.
       �
       CREDIT�LIMIT.�JDF�will�state�your�credit�limit�for�your�purchases�when�JDF�notifies�you�of�credit�approval�and�issues�your�Card.
       You�may�request�a�change�to�your�credit�limit�by�writing�JDF�at�the�address�listed�above.�You�agree�that�JDF�may�increase�or
       decrease�your�Account�credit�limit�at�any�time,�in�JDF's�sole�discretion,�without�prior�notice�to�you.
       �
       ACCOUNT�USE.�You�can�use�your�Account�to�purchase�authorized�goods�and�services�from�participating�retailers�up�to�the�full
       amount�of�your�credit�limit.��You�agree�you�will�owe�JDF�all�amounts�charged�on�the�Account,�plus�interest�charges�and�the�other
       charges�provided�for�in�this�Agreement.�Unless�your�Account�has�been�closed�or�suspended,�JDF�will�allow�a�purchase�of
       authorized�goods�or�services�from�a�participating�retailer�to�be�made�through�your�Account�as�long�as�(1)�you�are�not�in�default?
       (2)�your�financial�condition�has�not�materially�or�adversely�changed?�and�(3)�JDF�has�not�been�provided�information�by�third
       parties�that�indicates�serious�charge�offs�or�delinquencies�with�other�of�your�accounts.��We�will�consider�your�Account�to�be
       inactive�if,�for�six�months�or�more,�no�purchases�have�been�made�through�your�Card,�and�your�Account�Balance�has�been�zero.
       �
       You�agree�that�all�purchases�and�transactions�made�on�your�Account�shall�be�for�a�personal,�family�or�household�purpose,�and
       not�for�a�business�or�commercial�purpose.
       �
       You�agree�that�JDF�is�not�responsible�for�the�refusal�of�anyone�to�allow�a�purchase�to�be�made�through�your�Card.
       MONTHLY�STATEMENT.�JDF�will�send�you�a�monthly�statement�whenever�there�is�activity�on�your�Account.�Your�monthly
       statement�will�show�your�New�Balance�and�any�Late�Fees�and�Interest�Charge�for�purchases.�In�addition,�it�will�show�any
       available�credit�for�purchases,�an�itemized�list�of�current�Purchases,�Debits,�Payments�and�Credits,�the�Minimum�Required
       Payment�and�the�Payment�Due�Date,�as�well�as�other�pertinent�information�concerning�your�Account.
       �
       For�information�about�your�rights�regarding�billing�errors,�refunds,�or�adjustments,�please�refer�to�the�section���"Your�Billing
       Rights".
       �
       We�will�send�your�monthly�statements�on�dates�and�in�intervals�determined�by�JDF.�Such�statement�shall�be�deemed�correct�and
       accepted�by�you�unless�JDF�is�notified�to�the�contrary�in�writing�within�60�days�of�JDF�mailing�such�statement.�If�you�think�your
       monthly�statement�is�incorrect,�write�JDF�on�a�separate�sheet�at�the�address�shown�on�the�back�of�your�billing�statement.�Describe
       the�error�as�best�you�can�and�include�your�Account�number�in�all�correspondence.
       �
       PAYMENT.�The�Payment�Due�Date�is�the�date�the�payment�is�due�at�the�address�shown�on�the�front�of�your�monthly�statement.
       You�may�at�any�time�pay�your�entire�New�Balance�or�pay�more�than�the�Minimum�Required�Payment,�and�you�will�avoid�or�reduce
       Interest�Charges�by�doing�so.�Payment�of�more�than�the�Minimum�Required�Payment,�while�reducing�your�balance,�may�also�be
       applied�to�your�future�Minimum�Required�Payments�for�up�to�six�months.�If�your�Payment�Due�Date�falls�on�a�date�on�which�we�do
       not�receive�or�accept�payments�by�mail�(including�weekends�and�holidays)�we�will�not�treat�the�payment�received�the�next
       business�day�as�late�for�any�purpose.�All�payments�must�be�in�U.S.�dollars�and�drawn�on�funds�on�deposit�in�the�United�States.
       Payments�must�be�sent�to�John�Deere�Financial�at�the�address�designated�on�your�monthly�payment�stub�or�to�any�other�payment
       address�JDF�later�designates�on�your�monthly�statement�payment�stub.�We�will�not�accept�any�payments�at�our�offices.
       �
       INTEREST�CHARGE�RATES.��
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    4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
         NO�INTEREST�IF�PAID�IN�FULL.�JDF�will�add�an�INTEREST�CHARGE�calculated�at�the�Regular�Purchase�Rate,�as
         explained�in�the�Special�Promotions/No�Interest�if�Paid�in�Full�Transactions�section�of�this�Agreement.
         �
         REGULAR�PURCHASES.�On�Regular�Purchases,�(not�No�Interest�if�Paid�in�Full�Special�Promotions)�JDF�will�add�an
         INTEREST�CHARGE�calculated�at�the�following�rate,�if�your�New�Balance�is�not�paid�in�full�on�or�before�the�Payment�Due
         Date�listed�on�your�statement.
          Interest�Charges�on�your�Account�for�Regular�Purchases�may�be�calculated�using�a�variable�rate�that�will�be
          determined�by�reference�to�a�"Base�Rate"�to�which�is�added�a�"Spread"�to�arrive�at�the�current�rate.�The�same
          Spread�will�be�used�for�purchase(s)�within�your�Account.
          �
          The�Base�Rate�from�which�your�variable�rate�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�interest�rate
          determinations,�which�was�in�effect�at�the�close�of�business�on�the�fifteenth�(15th)�calendar�day�of�each�month,�or�the
          next�succeeding�business�day�if�the�fifteenth�is�not�a�business�day�("Reference�Day").�The�Spread�added�to�the�Base
          Rate�to�determine�the�ANNUAL�PERCENTAGE�RATE�(APR)�that�will�apply�to�your�Account�will�be:
          �
          �                                   Spread
            Regular�Purchase�Rate             15%
          �
          Rate�increases�and�decreases,�that�result�from�changes�in�the�Base�Rate�will�take�effect�on�the�first�day�of�the�month,
          or�the�next�succeeding�business�day�if�the�first�day�is�not�a�business�day,�after�the�Reference�Day�on�which�the�Base
          Rate�changes.
          �
          Changes�in�your�variable�rate�will�apply�to�your�existing�Account�Balance�as�well�as�to�future�purchases.�An�increase
          in�your�rate�will�increase�the�total�Interest�Charge�accruing�on�your�Account�and�the�balance�on�which�your�Minimum
          Required�Payment�is�calculated.�For�example,�if�the�Base�Rate�(and�thus�the�applicable�variable�rate)�were�to�increase
          by�5%,�and�the�average�daily�balance�to�which�the�new�rate�applied�was�$1,000,�your�INTEREST�CHARGE�for�that
          month�would�increase�by�$4.17�as�a�result�of�the�increase�in�the�variable�rate.
       Current�effective�rates�are�shown�below:
       �
                                      Daily�      ANNUAL�PERCENTAGE�
       �
                                    Periodic�Rate        RATE
       �REGULAR�PURCHASE�RATE        .050685%          18.50%
       The�above�rate�is�correct�as�of�the�date�of�printing,�02/01/2016,�but�is�subject�to�change�after�that�date.�To�find�out�what�may�have
       changed,�write�to�JDF�at�John�Deere�Financial,�P.O.�Box�5327,�Madison,�Wisconsin�53705�0327?�or�call�Customer�Service�at�1�
       800�541�2969.
       INTEREST�CHARGE�CALCULATION.�The�amount�of�INTEREST�CHARGE�is�determined�in�the�following�manner.�JDF�uses�the
       daily�periodic�rates�and�corresponding�APR�shown�in�this�Agreement.��The�applicable�periodic�rate�is�applied�to�the�"Average
       Daily�Balance"�of�your�corresponding�purchases,�including�current�transactions,�during�the�current�billing�cycle.
       �
       To�get�the�"Average�Daily�Balance",�JDF�takes�the�beginning�balance�of�those�purchases�each�day,�starting�with�any�Previous
       Balance�outstanding�on�the�first�day�of�the�monthly�billing�cycle,�adds�new�purchases�and�debits�(other�than�late�payment�fees),
       and�subtracts�payments�or�credits.��This�determines�the�daily�balance.��Unless�JDF�elects�to�use�a�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.��This�gives�JDF
       each�"Average�Daily�Balance"�which�is�shown�on�your�monthly�statement.
       MINIMUM�MONTHLY�PAYMENT.�You�agree�to�pay�each�month�a�Minimum�Required�Payment�equal�to:��
        1.�Any�late�payment�fee�due?�plus�
        2.�Any�additional�fees?�plus�
        3.�Any�amount�past�due?�plus��
        4.�For�purchases:
          (a)�Either�the�greater�of:�(i)�$50�or�(ii)�2.50%�of�your�highest�balance,�or�(iii)�3%�of�your�highest�balance,�if�your�Account�goes
          into�default,�and�JDF�has�not�demanded�payment�of�your�entire�Account�balance,�if�your�New�Balance�exceeds�$50?
          (b)�Or�your�entire�New�Balance,�if�it�is�$50�or�less.
          �
       SPECIAL�PROMOTIONS.�From�time�to�time�special�financing�terms,�such�as�extended�free�periods,�incentive�interest�rates�on
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    4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
       certain�purchases�or�other�promotions�may�be�available.�This�may�be�limited�to�certain�purchases�from�participating�retailers.
       These�special�terms�will�be�disclosed�by�the�retailer�at�the�time�of�purchase�or�on�the�next�monthly�statement�sent�to�you�and�will
       govern�the�APR�and�repayment�terms.�Purchases�you�make�during�these�special�promotions�will�be�separately�identified�on�your
       monthly�statement�and�will�become�part�of�the�balance�on�which�your�INTEREST�CHARGE�and�Minimum�Required�Payment�are
       calculated�at�the�time�provided�in�the�special�terms�disclosure.�Final�payment�due�for�these�transactions�may�be�slightly�larger.
       Any�introductory�low�rate�may�be�followed�by�a�higher�rate,�which�may�be�as�high�as�the�Regular�Purchase�Rate.
         NO�INTEREST�IF�PAID�IN�FULL�TRANSACTIONS.�Unless�otherwise�disclosed,�minimum�monthly�payments�will�be�made
         and�Interest�Charge�will�accrue�from�the�transaction�date�during�the�No�Interest�if�Paid�in�Full�period�described�on�your
         monthly�statement�at�the�Regular�Purchase�Rate�as�explained�in�the�Regular�Purchase�Rate�section�of�this�Agreement.�No
         Interest�Charge�will�be�due�until�the�end�of�the�No�Interest�if�Paid�in�Full�period�and�any�accrued�Interest�Charge�will�be
         waived�if�the�entire�No�Interest�if�Paid�in�Full�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�balance�is�not�paid�in�full�during�the�introductory�No�Interest�if�Paid�in�Full�period,
         interest�charge�will�accrue�from�the�transaction�date�at�the�Regular�Purchase�Rate.
         �
         NO�INTEREST�WITH�PAYMENT�TRANSACTIONS.�Interest�Charges�will�not�accrue�during�any�no�interest�period�described
         on�your�monthly�statement.�Minimum�required�payments�will�be�required�during�the�no�interest�period.�If�the�no�interest
         transaction�is�not�paid�in�full�during�the�introductory�no�interest�period,�interest�charge�will�accrue�at�the�Regular
         Purchase�Rate.
       OTHER�FEES�AND�CHARGES.�JDF�will�add�to�your�Account:�(1)�A�Late�Payment�Fee�of�$25�may�be�applied�for�the�first�time�JDF
       does�not�receive�a�payment�of�at�least�the�current�portion�of�your�Minimum�Required�Payment�(Minimum�Required�Payment�plus
       unpaid�late�payment�fees�and�past�due�amounts)�by�the�Payment�Due�Date�shown�on�your�statement�and�a�$35�fee�for�any
       additional�late�payments�during�the�next�six�statement�billing�cycles?�(2)�A�Returned�Payment�Fee�of�$25�may�be�applied�on�the
       first�check�or�electronic�payment�authorization�JDF�receives�which�is�dishonored�and�a�$35�fee�for�any�additional�dishonored
       payments�during�the�next�six�statement�billing�cycles?�and�(3)�expenses�incurred�in�connection�with�the�enforcement�of�our
       remedies�upon�default,�including,�without�limitation,�(a)�repossession,�repair�and�collection�costs,�and�(b)�any�attorney�fees�plus
       court�costs�and�related�fees,�including�any�bankruptcy�fees�and�costs,�to�the�extent�permitted�by�applicable�law.�If�New�Hampshire
       law�applies,�those�fees�may�be�awarded�to�you�if�you�prevail�in�any�such�action,�suit�or�proceeding.�Any�credit�balance�in�excess
       of�$1�on�your�Account�will�be�refunded�within�7�business�days�from�JDF�s�receipt�of�your�written�request.��Otherwise,�JDF�will
       refund�to�you�any�credit�balance�remaining�on�your�Account�after�six�months.��JDF�will�retain�any�credit�balance�if�it�is�less�than�$1
       or�if�JDF�does�not�know�your�address�and�it�cannot�be�traced�through�the�last�address�or�telephone�number�provided�JDF.
       ACCEPTING�PAYMENT.�JDF�can�accept�late�or�partial�payments,�as�well�as�payments�marked�"paid�in�full"�or�with�other�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�who�request
       a�credit�reference�from�JDF.�JDF�may�ask�credit�reporting�agencies�or�others�you�list�as�a�credit�reference�for�consumer�reports�or
       information�regarding�your�credit�history�at�any�time�for�all�legitimate�purposes,�including�credit�decisions�and�the�review�and
       collection�of�your�Account.�If�you�request,�you�will�be�provided�with�the�name�and�address�of�any�credit�reporting�agency�that
       provided�a�report�in�connection�with�this�application.�As�required�by�law,�you�are�hereby�notified�that�a�negative�credit�report
       reflecting�on�your�credit�record�may�be�submitted�to�a�credit�reporting�agency�if�you�fail�to�fulfill�the�terms�of�your�credit�obligations.
       You�also�authorize�JDF�to�disclose�financial�information�about�you�as�described�in�this�Agreement�and�future�notices�JDF�may
       send�you.
       CANCELLATION.�You�may�close�your�Account�to�future�purchases�at�any�time�by�notifying�JDF�in�writing�and�returning�all�Cards.
       JDF�may�close�or�suspend�your�Account�to�future�purchases�at�any�time�without�prior�notice.�Regardless�of�the�expiration,�closing
       or�suspension�of�your�Account,�you�remain�responsible�for�paying�the�amount�you�owe�JDF�according�to�the�terms�of�this
       Agreement.
       SECURITY�INTEREST.��You�grant�JDF�a�purchase�money�security�interest�in�all�merchandise�purchased�through�your�Account,
       and�its�proceeds,�including�insurance�proceeds,�but�this�provision�does�not�apply�if�you�reside�in�NC�and�the�APR�on�a�purchase
       or�transaction�exceeds�15%.�JDF's�security�interest�continues�until�such�merchandise�is�paid�for�in�full�by�application�of�your
       payments�in�the�manner�described�in�this�Agreement.�You�agree�to�execute�and�authorize�JDF�to�file�(or�to�sign�for�you�and�file)
       any�financing�statement(s)�or�other�document(s)�needed�to�perfect�the�security�interest�that�you�have�given�JDF�or�that�JDF�may
       deem�necessary�before�your�debt�is�paid�in�full.
       PROPERTY�INSURANCE.�While�JDF's�security�interest�in�the�merchandise�continues,�you�must�maintain�all�risk�physical
       damage�insurance�on�each�merchandise�item�of�which�$5,000�or�more�is�financed�through�your�Account.�You�may�obtain�such
       coverage�from�any�source�and,�if�it�is�not�available�from�or�through�JDF,�you�will�name�John�Deere�Financial,�f.s.b.�as�a�loss�payee
       of�the�insurance,�entitled�to�at�least�10�days�advance�notice�of�its�cancellation,�and�at�JDF's�request�you�will�provide�evidence
       thereof.�You�assign�and�direct�the�insurer�to�pay�JDF�the�proceeds�of�such�insurance.�You�authorize�JDF�to�make�and�settle
       claims,�and�to�endorse�in�your�name(s)�and�apply,�any�instrument�for�such�proceeds�to�the�unpaid�purchase�price�of�the�item�or,�at
       JDF's�option,�to�its�restoration,�returning�any�excess�to�you.
       PAYMENT�APPLICATION.�
       You�agree�that�your�Minimum�Required�Payment�will�be�applied�as�JDF�determines�in�its�sole�discretion.�You�agree�that�JDF�has
       this�discretion�and�that�JDF�may�exercise�it�to�suit�its�own�convenience�and�interests,�without�further�notice�to�you.�You�also�agree
       that�JDF�may�change�how�it�applies�your�Minimum�Required�Payment�at�any�time�without�notice�to�you.�You�acknowledge�that�the
       exercise�of�this�discretion�by�JDF�may�result�in�cases�in�which�the�application�of�the�Minimum�Required�Payment�to�the�Account
    http://www.deere.com/en_US/docs/financial/usa/terms/allterms.html           4/9
    4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
       creates�higher�Interest�Charges�than�other�payment�application�methods�and�that�this�may�include�payments�allocated�to
       balances�with�lower�APRs�before�balances�with�higher�APRs�and/or�to�balances�with�longer�promotional�periods�before�balances
       with�shorter�or�no�promotional�periods.�JDF�shall�apply�amounts�paid�by�you�in�excess�of�the�Minimum�Required�Payment�amount
       first�to�the�transaction�balance�bearing�the�highest�rate�of�interest,�and�then�to�each�successive�transaction�balance�bearing�the
       next�highest�rate�of�interest,�until�all�the�amount�you�paid�is�applied�to�the�Account.�If�you�have�a�deferred�interest�transaction(s)�on
       the�Account,�JDF�will�allocate�the�entire�amount�paid�by�you�in�excess�of�the�Minimum�Required�Payment�amount�to�the�balances
       on�which�interest�is�deferred�during�the�last�2�billing�cycles�immediately�preceding�the�expiration�of�the�period�during�which
       interest�is�deferred.�JDF�may,�in�its�sole�discretion,�consider�requests�by�you�to�apply�amounts�paid�in�excess�of�the�Minimum
       Required�Payment�in�other�ways.
       �
       You�agree�that�your�payments�will�be�credited�as�of�the�date�of�receipt�at�the�address�on�the�payment�stub�of�your�Monthly
       Statement�if�received�by�5:00�p.m.�Central�Time�Monday�through�Friday�(otherwise�next�business�day).�If�payment�is�not
       accompanied�by�the�payment�stub�or�Account�number,�is�not�received�at�that�location,�or�is�not�made�in�U.S.�Dollars,�by�check�or
       money�order,�credit�may�be�delayed�up�to�two�business�days.
       RETAILER�CHARGEBACKS.�JDF�may�chargeback�to�a�retailer�who�sold�goods�or�services�to�you�on�your�Account,�any�part�of
       your�Account�balance�related�to�those�purchases.��In�such�an�event,�this�Agreement�will�be�deemed�assigned�to�the�retailer�to�the
       extent�of�the�chargeback.��You�agree�to�such�an�assignment�and�further�agree�to�pay�the�retailer�the�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�by�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,�by�a�change�in�your�employment,�by�a�change�in�your
       obligations,�by�bankruptcy�or�insolvency�proceedings�involving�you,�or�(for�community�property�state�residents�only)�by�a�change
       in�your�marital�status�or�domicile?�(d)�if�you�die�or�are�declared�incompetent?�(e)�you�provided�JDF�false�or�misleading�information
       relating�to�your�credit�application�or�Account?�(f)�any�purchase�or�transaction�on�your�Account�is�not�for�a�personal,�family�or
       household�purpose?�(g)�you�fail�to�perform�any�other�of�your�obligations�under�the�terms�of�this�Agreement�as�it�may�be�amended?
       or�(h)�you�are�in�default�under�any�other�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�demand�immediate�payment�of�your�entire
       Account�balance,�after�giving�you�any�notice�and�opportunity�to�cure�the�default�required�by�applicable�law.�In�addition,�you�agree
       that�JDF�shall�have�all�the�rights�of�a�secured�creditor�under�the�Uniform�Commercial�Code�and�other�applicable�law.
       ELECTRONIC�DISCLOSURE.�You�agree�that�any�notices�and�disclosures�related�to�your�Account�can�be�delivered�to�you�in
       printed�form�or�by�electronic�means�by�sending�them�to�any�electronic�mail�address�that�you�provided�to�JDF�when�you�applied�for
       this�Account�or�at�a�later�date.�Until�JDF�receives�notice�of�a�new�electronic�mail�address,�JDF�may�continue�to�send�such�notices
       and�disclosures�to�the�electronic�mail�address�you�most�recently�provided�to�JDF.
       ERRORS�IN�CREDIT�BUREAU�INFORMATION.�If�you�believe�JDF�has�reported�inaccurate�information�about�you�to�a�credit
       bureau,�please�contact�JDF�at�John�Deere�Financial,�P.O.�Box�5327,�Madison,�Wisconsin�53705�0327,�and�identify�the�inaccurate
       information�and�tell�JDF�why�you�believe�it�is�incorrect.
       �
       DELAY�IN�ENFORCEMENT.�JDF�can�delay�enforcing�our�rights�under�this�Agreement�without�losing�them.
       OTHER�SERVICES.�Third�parties�may�offer�additional�features,�services�and�enhancements�related�to�the�Account.�You
       acknowledge�that�JDF�is�not�liable�for�those�and�that�they�are�the�sole�responsibility�of�those�third�parties.�If�you�receive�insurance
       services,�you�understand�that�you�will�receive�all�the�information�on�those�services�from�the�insurer.�That�insurance�may�be
       cancelled�if�you�are�in�default�under�this�Agreement.
       �
       GOVERNING�LAW.�This�Agreement�must�be�approved,�and�all�charges�and�payments�to�your�Account�processed�by�JDF,�at�our
       office�in�Madison,�Wisconsin.�Therefore�this�Agreement�and�your�Account�will�be�governed�by�the�substantive�law�of�the�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�may�apply�to�JDF's�recovery�of�any�collateral�located�there.�This
       is�the�entire�Agreement�between�you�and�JDF�and�no�oral�changes�can�be�made�to�it.
       �
       VALIDITY.�Invalidity�of�any�provision�of�this�Agreement�shall�not�affect�the�validity�and�enforceability�of�the�remainder�of�its�terms.
       �
       CHANGING�THIS�AGREEMENT.�IMPORTANT:��READ�BEFORE�SIGNING.���THE�TERMS�OF�THIS�AGREEMENT�SHOULD�BE
       READ�CAREFULLY�BECAUSE�ONLY�THOSE�TERMS�IN�WRITING�IN�THIS�AGREEMENT�ARE�ENFORCEABLE.��NO�OTHER
       TERMS�OR�ORAL�PROMISES�NOT�CONTAINED�IN�THIS�WRITTEN�AGREEMENT�MAY�BE�LEGALLY�ENFORCED.��YOU�MAY
       CHANGE�THE�TERMS�OF�THIS�AGREEMENT�ONLY�BY�ANOTHER�WRITTEN�AGREEMENT�BETWEEN�YOU�AND�JDF.�JDF�may
       change�this�Agreement,�including�the�Annual�Percentage�Rate�and�the�Interest�Charge�Calculation,�at�any�time.�JDF�will�provide
       you�prior�written�notice.�To�the�extent�that�the�law�permits�and�JDF�indicates�in�our�notice,�the�changes�will�apply�to�your�existing
       Account�balance�as�well�as�to�future�transactions.
       NOTICE�TO�ACTIVE�DUTY�SERVICEMEMBERS�AND�THEIR�DEPENDENTS.�Federal�law�provides�important�protections�to
       members�of�the�Armed�Forces�and�their�dependents�relating�to�extensions�of�consumer�credit.�In�general,�the�cost�of�consumer
       credit�to�a�member�of�the�Armed�Forces�and�his�or�her�dependent�may�not�exceed�an�annual�percentage�rate�of�36�percent.�This
       rate�must�include,�as�applicable�to�the�credit�transaction�or�account:�the�costs�associated�with�credit�insurance�premiums?�fees�for
       ancillary�products�sold�in�connection�with�the�credit�transaction?�any�application�fee�charged�(other�than�certain�application�fees
    http://www.deere.com/en_US/docs/financial/usa/terms/allterms.html           5/9
    4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
       for�specified�credit�transactions�or�accounts)?�and�any�participation�fee�charged�(other�than�certain�participation�fees�for�a�credit
       card�account)
       ARBITRATION�OF�DISPUTES.�In�the�event�of�any�past,�present�or�future�claim�or�dispute�between�you�and�JDF�arising�from�or
       relating�to�your�Account,�any�prior�account�you�have�had�with�JDF,�your�application,�the�relationships�which�result�from�your
       Account�or�the�enforceability�or�scope�of�this�arbitration�provision,�of�the�Agreement�or�of�any�prior�agreement,�you�or�JDF�may
       elect�to�resolve�the�claim�or�dispute�by�binding�arbitration.
       HOWEVER,�STARTING�ON�OCTOBER�3,�2017,�FEDERAL�LAW�PROVIDES�THAT�JDF�CANNOT�REQUIRE�CERTAIN�ACTIVE
       DUTY�MILITARY�SERVICEMEMBERS�OR�THEIR�DEPENDENTS�(�COVERED�BORROWERS�)�TO�RESOLVE�THESE�CLAIMS
       OR�DISPUTES�BY�BINDING�ARBITRATION.�IF,�AFTER�THAT�DATE,�YOU�QUALIFY�UNDER�FEDERAL�LAW�AS�A�COVERED
       BORROWER,�THEN�THIS�SECTION�DOES�NOT�APPLY�TO�YOU�AND�NEITHER�JDF�NOR�YOU�MAY�ELECT�TO�RESOLVE
       SUCH�CLAIMS�OR�DISPUTES�BY�BINDING�ARBITRATION.�IF,�AFTER�THAT�DATE,�YOU�DO�NOT�QUALIFY�UNDER�FEDERAL
       LAW�AS�A�COVERED�BORROWER,�THEN�THIS�SECTION�DOES�APPLY�TO�YOU.
       This�includes�any�such�claim�or�dispute,�whether�based�upon�contract,�property,�tort,�statute,�common�law�or�equity,�other�than�a
       claim�relating�to�JDF's�right�to�repossess�the�merchandise�purchased�through�your�Account�by�self�help,�if�permitted,�or�by�judicial
       process.�The�parties�agree�and�understand�that�the�arbitration�shall�have�all�Powers�provided�by�law�and�the�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�their�disputes�through�arbitration,
       except�as�provided�herein.
       �
       IF�EITHER�YOU�OR�JDF�ELECT�ARBITRATION,�NEITHER�YOU�NOR�JDF�SHALL�HAVE�THE�RIGHT�TO�LITIGATE�THAT�CLAIM
       IN�COURT�OR�TO�HAVE�A�JURY�TRIAL�ON�THAT�CLAIM.�PRE�HEARING�DISCOVERY�RIGHTS�AND�POST�HEARING�APPEAL
       RIGHTS�WILL�BE�LIMITED.�THE�PARTIES�VOLUNTARILY�AND�KNOWINGLY�WAIVE�ANY�RIGHT�THEY�HAVE�TO�A�JURY�TRIAL,
       EITHER�PURSUANT�TO�ARBITRATION�UNDER�THIS�CLAUSE�OR�PURSUANT�TO�A�COURT�ACTION.
       �
       NEITHER�YOU�NOR�JDF�SHALL�BE�ENTITLED�TO�JOIN�OR�CONSOLIDATE�CLAIMS�IN�ARBITRATION�BY�OR�AGAINST�OTHER
       CUSTOMERS�WITH�RESPECT�TO�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�made�by�a�new
       party�or�any�new�claims�later�asserted�in�that�lawsuit,�and�nothing�undertaken�therein�shall�constitute�a�waiver�of�any�rights�under
       this�arbitration�provision.�Arbitration�may�be�elected�at�any�time,�regardless�of�whether�a�lawsuit�has�been�filed,�unless�the�lawsuit
       involving�that�claim�or�dispute�has�resulted�in�a�final�judgment.�JDF�will�not�invoke�our�right�to�arbitrate�an�individual�claim�you
       bring�in�small�claims�court�or�your�state's�equivalent�court,�if�any,�so�long�as�the�claim�is�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�(FAA).�The
       arbitration�shall�be�conducted�by�JAMS�or�American�Arbitration�Association�(AAA),�at�the�option�of�the�party�electing�arbitration,�in
       accordance�with�their�procedures�in�effect�when�the�claim�is�filed.�As�of�"date�of�print",�for�a�copy�of�their�procedures,�to�file�a�claim
       or�for�other�information,�contact�AAA's�customer�service�at�1�800�778�7879�or�visit�their�website�at�www.adr.org�or�contact�JAMS�at
       1�800�352�5267�or�by�visiting�their�website�at�www.jamsadr.com.�All�claims�may�be�filed�at�any�JAMS�or�AAA�office.�At�your�written
       request,�JDF�will�advance�any�arbitration�filing,�administrative�and�hearing�fees�which�you�would�be�required�to�pay�to�pursue�a
       claim�or�dispute�as�a�result�of�JDF's�electing�to�arbitrate�that�claim�or�dispute.�The�arbitrator�will�decide�who�will�ultimately�be
       responsible�for�paying�those�fees.�In�no�event�will�you�be�required�to�reimburse�JDF�for�any�arbitration�filing,�administrative,�or
       hearing�fees�in�an�amount�greater�than�what�your�and�JDF's�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�applicable
       substantive�law�to�the�extent�consistent�with�the�FAA�and�applicable�statutes�of�limitations�and�shall�honor�claims�of�privilege
       recognized�at�law.�If�requested�by�any�party,�the�arbitrator�shall�write�an�opinion�containing�the�reasons�for�the�award.�The
       arbitrator's�decision�will�be�final�and�binding�except�for�any�appeal�rights�under�the�FAA�and�except�that�if�the�amount�in
       controversy�exceeds�$100,000,�any�party�may�appeal�the�award�within�30�days�to�a�three�arbitrator�panel�which�shall�review�the
       award�de�novo.�The�costs�of�such�an�appeal�shall�be�borne�by�the�appealing�party�regardless�of�outcome.�Judgment�upon�any
       award�by�the�arbitrator�may�be�enforced�in�any�court�having�jurisdiction.
       �
       Our�rights�and�obligations�under�this�arbitration�provision�shall�inure�to�the�benefit�of�and�be�binding�upon�JDF's�parent
       corporations,�subsidiaries,�affiliates,�predecessors,�successors�and�assigns,�as�well�as�the�officers,�directors�and�employees�of
       each�of�these�entities,�and�will�also�inure�to�the�benefit�of�any�third�party�named�as�a�co�defendant�with�JDF�or�with�any�of�the
       foregoing�in�a�claim�which�is�subject�to�this�arbitration�provision.�Your�rights�and�obligations�under�this�arbitration�provision�shall
       inure�to�the�benefit�of�and�be�binding�upon�all�persons�contractually�liable�under�this�Agreement�and�all�Authorized�Users�of�the
       Account.�This�arbitration�shall�survive�termination�of�your�Account�as�well�as�voluntary�payment�in�full�by�you,�and�legal
       proceedings�by�JDF�to�collect�a�debt�owed�by�you,�any�bankruptcy�by�you�and�any�sale�by�JDF�of�your�Account.
       �
       IMPORTANT�INFORMATION�ABOUT�PROCEDURES�FOR�OPENING�A�NEW�ACCOUNT.��To�help�the�government�fight�the
       funding�of�terrorism�and�money�laundering�activities,�Federal�law�requires�all�financial�institutions�to�obtain,�verify,�and�record
    http://www.deere.com/en_US/docs/financial/usa/terms/allterms.html           6/9
    4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
       information�that�identifies�each�person�who�opens�an�Account.��What�this�means�for�you:��When�you�open�an�Account,�you�will�be
       asked�for�your�name,�address,�date�of�birth,�and�other�information�that�will�allow�JDF�to�identify�you.��You�may�also�be�asked�to
       show�your�driver's�license�or�other�identifying�documents.
       �
                                   YOUR�BILLING�RIGHTS.
                             KEEP�THIS�NOTCE�FOR�YOUR�FUTURE�USE.
       �
                THIS�NOTICE�CONTAINS�IMPORTANT�INFORMATION�ABOUT�YOUR�RIGHTS�AND��
                      JDF'S�RESPONSIBILITIES�UNDER�THE�FAIR�CREDIT�BILLING�ACT.
       �
       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�separate�sheet)�at�the�address�shown�on�the�back�of�your�billing
       statement.��Write�to�JDF�as�soon�as�possible.��JDF�must�hear�from�you�not�later�than�60�days�after�JDF�sent�you�the�first�bill�on
       which�the�error�or�problem�appeared.��You�can�telephone�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�can�stop�the
         payment�on�any�amount�you�think�is�wrong.�To�stop�the�payment�your�letter�must�reach�JDF�three�business�days�before�the
         automatic�payment�is�scheduled�to�occur.
       �
       YOUR�RIGHTS�AND�RESPONSIBILITIES�AFTER�JDF�RECEIVES�YOUR�WRITTEN�NOTICE.�JDF�must�acknowledge�your�letter
       within�30�days,�unless�JDF�has�corrected�the�error�by�then.��Within�90�days,�JDF�must�either�correct�the�error�or�explain�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�as�delinquent.��JDF�can
       continue�to�bill�you�for�the�amount�you�question,�including�interest�charges,�and�JDF�can�apply�any�unpaid�amount�against�your
       credit�limit.��You�do�not�have�to�pay�any�questioned�amount�while�JDF�is�investigating,�but�you�are�still�obligated�to�pay�the�parts�of
       your�bill�that�are�not�in�question.
       �
       If�JDF�finds�that�it�made�a�mistake�on�your�bill,�you�will�not�have�to�pay�any�interest�charges�related�to�any�questioned�amount.��If
       JDF�did�not�make�a�mistake,�you�may�have�to�pay�interest�charges,�and�you�will�have�to�make�up�any�missed�payments�on�the
       questioned�amount.��In�either�case,�JDF�will�send�you�a�statement�of�the�amount�you�owe�and�the�date�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�explanation�does�not
       satisfy�you,�and�you�write�to�JDF�within�25�days�telling�JDF�that�you�still�refuse�to�pay,�JDF�must�tell�anyone�it�reports�you�to�that
       you�have�a�question�about�your�bill.��And,�JDF�must�tell�you�the�name�of�anyone�it�reports�you�to.��JDF�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,�JDF�can�t�collect�the�first�$50�of�the�questioned�amount,�even�if�your�bill�was�correct.
       �
       SPECIAL�RULES�FOR�CREDIT�CARD�PURCHASES.�If�you�have�a�problem�with�the�quality�of�property�or�services�that�you
       purchased�with�your�credit�card�and�you�have�tried�in�good�faith�to�correct�the�problem�with�the�merchant,�you�may�have�the�right
       not�to�pay�the�remaining�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�your�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�the�property�or
       services.
       �
       YOUR�CHOICE�TO�LIMIT�MARKETING:
         ��The�John�Deere�Financial�companies�are�providing�this�notice.�They�include�Deere�&�Company,�Deere�Credit,�Inc.,
         John�Deere�Construction�&�Forestry�Company�and�John�Deere�Financial,�f.s.b.�
         ��You�may�limit�the�John�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�receive�from�any�John�Deere�Financial
         company.�This�information�may�include�your�income,�account�history,�and�credit�score.�
         ��Your�choice�to�limit�marketing�offers�from�the�John�Deere�companies�will�apply�for�at�least�5�years�from�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
         the�John�Deere�companies�for�at�least�another�5�years.
         ��To�limit�marketing�offers,�contact�us�at�1�800�541�2969.
       Revolving�Plan�Accounts�are�a�service�of�John�Deere�Financial,�f.s.b.
       CR4510126�Litho�in�U.S.A.�(16�02)
    http://www.deere.com/en_US/docs/financial/usa/terms/allterms.html           7/9
    4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
       View�printer�friendly�version�of�the�Privacy�Notice�below�(PDF)
       Page�1�of�2
                                                                    Rev.�February�2016
        ��FACTS     WHAT�DOES�JOHN�DEEERE�FINANCIAL,�F.S.B.�DO�WITH�YOUR�PERSONAL�INFORMATION?
        �Why?       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.
        �What?      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
        �How?       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.
        Reasons�we�can�share�your�personal�information Does�John�Deere�Financial, Can�you�limit�this�sharing?
                                            f.s.b.�share?
        For�our�everyday�business�purposes���such�as�to�process
        your�transactions,�maintain�your�account(s),�respond�to�court Yes No
        orders�and�legal�investigations,�or�report�to�credit�bureaus
        For�our�marketing�purposes���to�offer�our�products�and
                                                    Yes               No
        services�to�you
        For�joint�marketing�with�other�financial�companies Yes        No
        For�our�affiliates'�everyday�business�purposes��
                                                    Yes               No
        information�about�your�transactions�and�experiences
        For�our�affiliates'�everyday�business�purposes��
                                                    Yes               Yes
        information�about�your�creditworthiness
        For�our�affiliates�to�market�to�you         Yes               Yes
        For�nonaffiliates�to�market�to�you          Yes               Yes
        To�limit�our ��Call�1�800�541�2969���and�at�the�Menu,�select�0�and�one�of�our�Customer�Service�Representatives
        sharing     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�longer�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.
        ��Questions���Call�1�800�541�2969
       Page�2�of�2
        What�we�do
        How�does�John�Deere�Financial, To�protect�your�personal�information�from�unauthorized�access�and�use,�we�use�security
        f.s.b.�protect�my�personal measures�that�comply�with�federal�law.�These�measures�include�computer�safeguards
        information?        and�secured�files�and�buildings.
        How�does�John�Deere�Financial, We�collect�your�personal�information,�for�example,�when�you
        f.s.b.�collect�my�personal ��open�an�account�
        information:         ��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
    http://www.deere.com/en_US/docs/financial/usa/terms/allterms.html           8/9
    4/18/2016                John�Deere�Financial�Terms�|�Financial�Revolving�Plan�|�John�Deere�US
                            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.�See
                            below�for�more�on�your�rights�under�state�law.
        What�happens�when�I�limit Your�choice�will�apply�to�everyone�on�your�account.
        sharing�for�an�account�I�hold
        jointly�with�someone�else?
        Definitions
        Affiliates          Companies�related�by�common�ownership�or�control.�They�can�be�financial�and
                            nonfinancial�companies.
                             ��John�Deere�Companies�including�Deere�&�Company,�Deere�Credit,�Inc.,�John�Deere
                             Construction�and�Forestry�and�John�Deere�Financial,�f.s.b.
        Nonaffiliates       Companies�not�related�by�common�ownership�or�control.�They�can�be�financial�and
                            nonfinancial�companies.
                             ��Such�as�mortgage�bankers,�securities�brokers�dealers,�insurance�companies�and
                             agents,�retailers,�direct�marketers,�airlines,�publishers�and�non�profit�organizations.
        Joint�Marketing     A�formal�agreement�between�nonaffiliated�companies�that�together�market�financial
                            products�or�services�to�you.
                             ��John�Deere�Dealers
        Other�important�information
        California�Residents We�will�not�share�information�about�you�with�nonaffiliated�third�parties,�except�as
                            permitted�by�California�law,�such�as�to�process�your�transactions,�maintain�your�account
                            or�with�your�consent.
        Vermont�Residents   We�will�not�disclose�information�about�your�creditworthiness�to�our�affiliates�and�will�not
                            disclose�your�personal�information,�financial�information,�credit�report,�or�health
                            information�to�nonaffiliated�third�parties�to�market�to�you,�other�than�as�permitted�by
                            Vermont�law,�unless�you�authorize�us�to�make�those�disclosures.�
                            Additional�information�concerning�our�privacy�policies�can�be�found�at
                            JohnDeere.com/Privacy�or�call�1�800�541�2969.
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