8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
              REVOLVING PLAN TERMS AND
                             CONDITIONS - 
                            PERSONAL USE
              RETAIL CREDIT AND SECURITY
                               AGREEMENT
        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
                                20.50% 
          Rate (APR) for
          Purchases             This APR 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 each
          Interest on Purchases 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
          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 Revised as of 5/01/2019
              Penalty Fees 
    https://www.deere.com/en/finance/financing/terms/all-terms/                 1/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
              Late Payment Fee    Up to $39.00
              Returned Payment
                                  Up to $39.00
          Fee
        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. 
        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 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
    https://www.deere.com/en/finance/financing/terms/all-terms/                 2/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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.
    https://www.deere.com/en/finance/financing/terms/all-terms/                 3/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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. 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.  
          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
    https://www.deere.com/en/finance/financing/terms/all-terms/                 4/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
          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:
                                                               ANNUAL
                                           Daily 
                                                            PERCENTAGE
                                        Periodic Rate
                                                                RATE
           REGULAR PURCHASE
                                          .056164%             20.50%
          RATE
    https://www.deere.com/en/finance/financing/terms/all-terms/                 5/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        The above rate is correct as of the date of printing, 05/01/2019, 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;
              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 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
    https://www.deere.com/en/finance/financing/terms/all-terms/                 6/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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 $28 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 $39 fee for any additional late payments during the next six
        statement billing cycles; (2) A Returned Payment Fee of $28 may be applied on the first
        check or electronic payment authorization JDF receives which is dishonored and a $39
        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
    https://www.deere.com/en/finance/financing/terms/all-terms/                 7/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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
    https://www.deere.com/en/finance/financing/terms/all-terms/                 8/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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 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.
    https://www.deere.com/en/finance/financing/terms/all-terms/                 9/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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.
    https://www.deere.com/en/finance/financing/terms/all-terms/                10/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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
    https://www.deere.com/en/finance/financing/terms/all-terms/                11/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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 SERVICEMEMBERS 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: 1-
        800-519-2242.
        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.
    https://www.deere.com/en/finance/financing/terms/all-terms/                12/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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.
    https://www.deere.com/en/finance/financing/terms/all-terms/                13/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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
        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
    https://www.deere.com/en/finance/financing/terms/all-terms/                14/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
                                   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
    https://www.deere.com/en/finance/financing/terms/all-terms/                15/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
        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.
        (19-05)
        Revolving Plan Accounts are a service of John Deere Financial, f.s.b.
        View printer friendly version of the Privacy Notice below (PDF)
    https://www.deere.com/en/finance/financing/terms/all-terms/                16/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
          Page 1 of 2
                                                                Rev. April 2017
                       WHAT DOES JOHN DEEERE FINANCIAL, F.S.B. DO WITH
              FACTS
                       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.
    https://www.deere.com/en/finance/financing/terms/all-terms/                17/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
            Reasons we can share your        Does John Deere  Can you limit
            personal information             Financial, f.s.b. this sharing?
                                             share?
            For our everyday business
            purposes - such as to process your
            transactions, maintain your
                                                  Yes              No
            account(s), respond to court orders
            and legal investigations, or report to
            credit bureaus
            For our marketing purposes - to
                                                  Yes              No
            offer our products and services to you
            For joint marketing with other
                                                  Yes              No
            financial companies
            For our affiliates' everyday
            business purposes - information
                                                  Yes              No
            about your transactions and
            experiences
            For our affiliates' everyday
            business purposes - information       Yes              Yes
            about your creditworthiness
            For our affiliates to market to you   Yes              Yes
            For nonaffiliates to market to you    Yes              Yes
            To limit   � Call 1-800-541-2969 � and at the Menu, 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. 
                       However, you can contact us at any time to limit our sharing.
              Questions     Call 1-800-541-2969
    https://www.deere.com/en/finance/financing/terms/all-terms/                18/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
          Page 2 of 2
            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        safeguards and secured files and buildings.
            personal
            information?
            How does          We collect your personal information, for example, when
            John Deere        you
            Financial, f.s.b. � open an account 
            collect my        � use your credit card or give us your income
            personal          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 Federal law gives you the right to limit only
            all 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      Your choice will apply to you. Others on your account
            when I limit      may limit information sharing for the account, or you can
            sharing for an    also limit sharing information for them.
            account I hold
            jointly with
            someone else?
            Definitions
    https://www.deere.com/en/finance/financing/terms/all-terms/                19/20
    8/12/2019                     Revolving Plan Personal Use Terms | John Deere US
            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        We will not share information about you with
            Residents         nonaffiliated third 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
            Residents         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.
           This is your Agreement. Please read it and keep it for
                                   your records.
    https://www.deere.com/en/finance/financing/terms/all-terms/                20/20