5/9/2019                   Multi-Use Account Consumer Credit Agreement | John Deere US
                      MULTI-USE ACCOUNT 
                    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
                                17.40% for Preferred Purchases  
          Rate (APR)  for
          Purchases
                                19.40% for Merchant Authorized Purchases
                                These APRs will vary with the market based on the
                                Prime Rate.
          Penalty APR and       None
          When it Applies
          How to Avoid Paying   Your due date is at least 25 days after the close of
          Interest on Purchases each billing cycle.  We will not charge you interest on
                                purchases if you pay your entire balance due by the
                                due date each month.
          Minimum Interest      None
          Charge
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          For Credit Card Tips  To learn more about factors to consider when applying
          from the Consumer     for or using a credit card, visit the website of the
          Financial Protection  Consumer Financial Protection Bureau at http://www.co
          Bureau                nsumerfinance.gov/learnmore
                               Fees
          Penalty Fees 
             Late Payment Fee           Up to $35.00
             Returned Payment Fee       Up to $35.00
        How We Will 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.
        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 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 Multi-Use Account, including any co-applicant identified
        on the application, as well as any person permitted to use the Account. 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.
        MULTI-USE ACCOUNT. You request a Multi-Use Account from JDF, and further
        authorize JDF to issue a Multi-Use Account card to each merchant from whom you may
        make a purchase. By applying for a Preferred Account, or by using a Merchant
        Authorized Account to make a purchase from a merchant who requests JDF to open
        one for you, you agree that this Credit Agreement will apply to all purchases made
        through your Multi-Use Account by you or any person you authorize. This arises out of a
        consumer credit sale. You authorize JDF to honor any purchases you make by mail or
        telephone, internet, facsimile transmission (fax) or other electronic means on your
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        Account. You agree that a signature is not necessary as identification 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 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 any suspected loss,
        theft, or unauthorized use of the Account. You may be liable for the unauthorized use of
        your Multi-Use Account before you notify JDF in writing at John Deere Financial, P.O.
        Box 5328, Madison, Wisconsin 53705-0328 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. This Agreement is not binding on JDF until JDF has
        approved your credit and given 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 merchant, or at the request of one or more merchants,
        your Account may be classified as a Merchant Authorized Account. Certain special
        features or promotions that JDF may offer from time to time may be made available only
        to Preferred Accounts. Merchant Authorized Accounts are useable only at a merchant
        who asked JDF to finance your purchases from them. JDF may, in its sole discretion,
        classify your account as a Preferred Account. When JDF opens your Account, and on
        each 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.
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        You agree that JDF may increase or decrease your credit limit at any time, in
        JDF�s sole discretion, without prior notice to you.
        ACCOUNT USE. By applying for or accepting a Consumer Multi-Use Account, you
        agree to use your Account primarily to make purchases for personal, family or
        household use, rather than for agricultural, commercial or governmental use. You agree
        to pay JDF all amounts charged by the use of the Account, plus Interest Charges, and
        the other charges described 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-Use Account.
        MONTHLY STATEMENT. JDF will send you a monthly statement whenever there is
        activity on your Account, unless the only activity is a payment in full. JDF will bill you on
        the monthly statement for all amounts you owe. Your monthly statement will show your
        New Balance, any Late Fees, any Interest Charge, the Minimum Required Payment and
        the Payment Due Date. In addition, it will show your Credit Limit, an itemized list of
        current Purchases, Payments, and Credits, as well as other information concerning your
        Account. JDF 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 the date of that statement. If you think
        your monthly statement is incorrect, write to 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 must be received 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 may
        avoid or reduce Interest Charges by doing so. However, payment of more than the
        Minimum Required Payment, while reducing your balance will not prepay your Account
        or be applied against future Minimum Required Payments. All payments must be in U.S.
        dollars and drawn on funds on deposit in the United States. If your Payment Due Date
        falls on a date 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. For information about your rights regarding billing errors, refunds or
        adjustments, please refer to the section - What To Do If There's An Error In Your Bill.
        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.
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        INTEREST CHARGE RATES. Interest Charges on your Multi-Use Account may be
        calculated using variable rates that will be 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 interest rate determinations ("Prime
          Rate"), 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 Spreads added to 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 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 rates will apply to your existing Account balance as well as to
        future purchases under your Account. 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.
        Currently effective rates are shown below:
                       Daily Periodic Rate(s)     Annual Percentage Rate(s)
                                    Merchant                      Merchant 
                     Preferred                    Preferred 
                                   Authorized                    Authorized 
                     Purchases                   Purchases
                                   Purchases                     Purchases
          Rate:      .047671%       .053151%       17.40%         19.40%
        The above rates are correct as of 02/01/2019, but are subject to change after that date.
        To find out what may have changed, write to John Deere Financial, P.O. Box 5328,
        Madison, Wisconsin 53705-0328; or call Customer Service at 1-800-356-9033.
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        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 full on or before the Payment Due Date. To avoid
          additional Interest Charges on your purchases, you must pay the New Balance in full
          on or before the Payment Due Date.
        The amount of your Interest Charges will be determined as follows:
          JDF uses the daily periodic rates and corresponding APRs shown in this Agreement.
          The applicable periodic rate is applied to the "Average Daily Balance" of your
          purchases, including current transactions during the current billing cycle.
          To get the "Average Daily Balance", JDF takes the beginning balance of your
          purchases, starting with any Previous Balance outstanding on the first day of the
          monthly billing cycle, adds any new purchases and debits (other than late payment
          fees) and subtracts any 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 the "Average Daily Balance" which is
          shown on your monthly statement. Interest Charges may accrue on Special
          Promotions Transactions at a different rate, as explained in the Special Promotions
          section of this Agreement.
        DEFAULT INTEREST CHARGE RATE. If you are in default, you may no longer qualify
        for any reduced interest rate Special Promotions and, you agree that, at JDF's option,
        the APR applicable to any outstanding reduced interest rate Special 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:
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              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. Or your 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. Or your entire Conversion Balance, if it is less than $25.
        SPECIAL PROMOTIONS. From time to time special financing terms, such as extended
        free periods, incentive interest rates on certain purchases or for limited time periods, or
        other promotions may be available, at the discretion of JDF, for the purchase of certain
        items from participating merchants. These special terms will be disclosed by the
        merchant at the time of purchase. 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 promotions terms disclosure.
        NO INTEREST WITH PAYMENT TRANSACTIONS. Unless otherwise disclosed,
        minimum monthly payments will be made and Interest Charges will not accrue during
        any disclosed No Interest with Payment period described. Interest Charges will accrue
        at the APR applicable to your Account after the due date of your No Interest with
        Payment transaction, unless otherwise disclosed. If the No Interest with Payment
        transaction is not paid in full during the introductory No Interest with Payment
        period, interest charges will accrue at the current effective rate, which will vary. To
        find out the current effective rate on your Account, write to JDF at John Deere
        Financial, P.O. Box 5328, Madison, Wisconsin 53705-0328; or call Customer
        Service at 1-800-356-9033.
        NO INTEREST IF PAID IN FULL TRANSACTIONS. Unless otherwise disclosed,
        minimum monthly payments will be made and Interest Charges will accrue during any
        No Interest if Paid in Full period. 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
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        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 charges will
        accrue from the transaction date at the current effective rate, which will vary. To
        find out the current effective rate on your Account, write to JDF at John 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 your 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.
        RETURNED PAYMENT FEE. If you send JDF a check or electronic payment
        authorization that is dishonored upon first presentment, JDF may add to your Account a
        fee of $25 on the first dishonored payment, and a $35 fee for any additional 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 remedies, including, without limitation, repossession, repair
        and collections costs, attorney's fees, 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.
        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
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        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.
        CLOSING YOUR ACCOUNT. You may close your Account at any time by notifying JDF
        in writing. You agree that JDF may close or suspend your Account to future purchases
        at any time without prior notice. You agree that JDF may close or suspend your Account
        to future purchases if your Account has no activity for 12 or more months. You agree
        that, regardless of the 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. Unless you reside in NC and the APR on a purchase or
        transaction exceeds 15%, you grant JDF a purchase money security interest in all
        merchandise purchased through your Account, and its proceeds, including
        insurance proceeds. 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.
        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 payments 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 your payments to the Account 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 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 shall apply any remaining amount paid by you first to the
        transaction balance bearing the next 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.
        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
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        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.
        MERCHANT CHARGEBACKS. JDF may charge back to a merchant who sold goods or
        services to you on your Account, any part of your Account balance related to those
        purchases. In that event, this Agreement will be deemed assigned to the merchant to
        the extent of the chargeback. You agree to such an assignment and further agree to pay
        the merchant 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 within 20 days after 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 other 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) you die or become
        incompetent; (e) you provided JDF false or misleading information relating to your credit
        application or Account; (f) you fail to perform any other of your obligations under the
        terms of this Agreement as it may be amended; or (g) you are in default 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 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.
        DELAY IN ENFORCEMENT. You agree that JDF can delay enforcing its rights under
        this Agreement without losing them.
        ELECTRONIC DISCLOSURES. You agree that any notices and disclosures related to
        your account can be delivered to you in printed form or by electronic means if you
        provided an electronic mail address 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.
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        GOVERNING LAW. This Agreement must be approved, and all charges and payments
        to your Account processed by JDF at its 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 will apply to JDF's recovery of any collateral located there. This
        is the entire Agreement between you and JDF relating to your Multi-Use Account and no
        oral changes can be made.
        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 ARE ENFORCEABLE. NO OTHER TERMS OR ORAL
        PROMISES NOT 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 the Interest Charge Calculation and the APR, at any time, by providing prior
        notice to you. To the extent that the law permits and JDF indicates in the 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 for specified credit transactions or
        accounts); and any participation fee charged (other than certain participation fees for a
        credit card account).
        TOLL-FREE NUMBER FOR ACTIVE DUTY SERVICE MEMBERS AND THEIR
        DEPENDENTS. If you would like to receive a statement of the Military Annual
        Percentage Rate applicable to this extension of consumer credit, and/or a clear
        description of the payment obligation of the covered borrower, please contact us at 800-
        519-2242.
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        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.
        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 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 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 ELECTS 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 CUSTOMER
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        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 JDF's 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.
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        JDF's 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, 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
        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.
        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 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 reverse side 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.
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        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 JDF's 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 delinquent.  JDF can continue to bill you for the amount you
        question, including interest charges, and JDF can apply an 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 JDF made a mistake on your bill, you will not have to pay any interest
        charges related to any questioned amount.  If JDF didn't 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 JDF 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, it can't collect the first $50 of the questioned amount,
        even if your bill was correct.
        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, 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:
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          � 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
          � 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 receive 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 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 JDF affiliate Deere companies for at least another 5 years.
          � To limit marketing offers, contact us at 1-800-356-9033.
        New CR (19-02) Multi-Use Accounts are a service of John Deere Financial, f.s.b.
        View printer friendly version of the Privacy Notice below (PDF)
                                                                  Rev. May 2017
          FACTS    WHAT DOES JOHN DEERE 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.
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          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       Can you
                                                       John Deere   limit this
                                                       Financial,   sharing?
                                                       f.s.b.
                                                       share?
          For our everyday business purposes - such as to
          process your transactions, maintain your account(s),
                                                           Yes         No
          respond to court orders and legal investigations, or
          report to credit bureaus
          For our marketing purposes - to offer our products
                                                           Yes         No
          and services to you
          For joint marketing with other financial
                                                           Yes         No
          companies
          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
                     � Call 1-800-356-9033 - at the menu prompt, select 0 and one of our
          our
                     Customer Service Representatives will be able to assist you.
          sharing
        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.
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        However, you can contact us at any time to limit our sharing.
          Questions                 Call 1-800-356-9033
          What we do
          How does             To protect your personal information from unauthorized
          John Deere           access and use, we use security measures that comply
          Financial, f.s.b.    with federal law. These measures include computer
          protect my personal  safeguards and secured files and buildings.
          information?
          How does             We collect your personal information, for example, when
          John Deere           you
          Financial, f.s.b.    � open an account  
          collect my personal  � use your credit card or give us your income information
          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 Federal law gives you the right to limit only
          sharing?             � 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    Your choice will apply to you. Others on your account
          I limit sharing for an may limit information sharing for the account, or you can
          account I hold jointly also limit sharing information for them.
          with someone else?
          Definitions
          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.
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          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        A formal agreement between nonaffiliated companies that together
          Marketing    market financial products or services to you.
                         John Deere Financial Merchants
          Other important information
          California    We will not share information about you with nonaffiliated third
          Residents     parties, except as permitted by California law, such as to process
                        your transactions, maintain your account or with your consent.
          Vermont       We will not disclose information about your creditworthiness to our
          Residents     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 1-800-356-9033.
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