4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
                  MULTI�USE�CONSUMER�USE�CREDIT�AGREEMENT
                             THIS�IS�YOUR�AGREEMENT.��
                PLEASE�READ�IT�AND�KEEP�IT�FOR�YOUR�RECORDS.
       Account�Opening,�Application�and�Solicitation�Disclosures
                                 Interest�Rates�and�Interest�Charges
       Annual�Percentage�Rate�(APR)��for
       Purchases              15.40%�for�Preferred�Purchases�
                              17.40%�for�Merchant�Authorized�Purchases
                              These�APRs�will�vary�with�the�market�based�on�the�Prime�Rate.
       Penalty�APR�and�When�it�Applies None
       How�to�Avoid�Paying�Interest�on Your�due�date�is�at�least�25�days�after�the�close�of�each�billing�cycle.��We�will�not�charge
       Purchases              you�interest�on�purchases�if�you�pay�your�entire�balance�due�by�the�due�date�each
                              month.
       Minimum�Interest�Charge None
       For�Credit�Card�Tips�from�the To�learn�more�about�factors�to�consider�when�applying�for�or�using�a�credit�card,�visit
       Consumer�Financial�Protection�Bureau the�website�of�the�Consumer�Financial�Protection�Bureau�at
                              http://www.consumerfinance.gov/learnmore
                              Fees
       Penalty�Fees              �
       Late�Payment�Fee          Up�to�$35.00
       Returned�Payment�Fee      Up�to�$35.00
       �
       How�We�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.
       NOTICE�TO�OHIO�RESIDENTS.�The�Ohio�laws�against�discrimination�require�that�all�creditors�make�credit�equally�available�to�all
       creditworthy�customers,�and�that�credit�reporting�agencies�maintain�separate�credit�histories�on�each�individual�upon�request.�The
       Ohio�Civil�Rights�Commission�administers�compliance�with�this�law.�
       NOTICE�TO�DELAWARE�RESIDENTS.�Service�charges�not�in�excess�of�those�permitted�by�law�will�be�charged�on�the
       outstanding�balances�from�month�to�month.
       NOTICE�TO�MARRIED�WISCONSIN�RESIDENTS.�Wisconsin�law�provides�that�no�agreement,�unilateral�statement�or�court�decree
       relating�to�marital�property�shall�adversely�affect�a�creditor's�interest,�unless�prior�to�the�time�credit�is�granted�the�creditor�is
       furnished�a�copy�of�the�agreement,�statement�or�decree,�or�has�actual�knowledge�of�the�adverse�provision.�You�must�indicate�the
       name�of�your�spouse�in�the�co�applicant/spouse�section�of�this�application,�and�the�address�if�different�from�yours.�
       APPLICANT(S)�ACKNOWLEDGE�THAT�(1)�SELLER�HAS�NOT�REPRESENTED�THAT�THE�TERMS�OF�THIS�FINANCING�ARE
       MORE�OR�LESS�FAVORABLE�THAN�OTHER�FINANCING?�(2)�SELLER�IS�NOT�APPLICANT'S�AGENT�IN�OBTAINING�THE
       FINANCING?�(3)�APPLICANT�MAY�OBTAIN�FINANCING�FROM�OTHER�SOURCES?�(4)�SELLER�MAY�BE�COMPENSATED�FOR
       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
    http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html      1/9
    4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
       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�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.�
       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.�
       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:
    http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html      2/9
    4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
                           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:      .042192%�     .047671%��       15.40%            17.40%
       �
       The�above�rates�are�correct�as�of�the�date�of�printing,�02/01/2016,�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.
       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:
         ����(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
    http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html      3/9
    4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
       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�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�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
    http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html      4/9
    4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
       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.�
       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.
       �
       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).�
       ARBITRATION�OF�DISPUTES.�In�the�event�of�any�past,�present�or�future�claim�or�dispute�between�you�and�JDF�arising�from�or
       relating�to�your�Account,�any�prior�account�you�have�had�with�JDF,�your�application,�the�relationships�which�result�from�your
       Account�or�the�enforceability�or�scope�of�this�arbitration�provision,�of�the�Agreement�or�of�any�prior�agreement,�you�or�JDF�may
       elect�to�resolve�the�claim�or�dispute�by�binding�arbitration.�
       HOWEVER,�STARTING�ON�OCTOBER�3,�2017,�FEDERAL�LAW�PROVIDES�THAT�JDF�CANNOT�REQUIRE�CERTAIN�ACTIVE
       DUTY�MILITARY�SERVICEMEMBERS�OR�THEIR�DEPENDENTS�(�COVERED�BORROWERS�)�TO�RESOLVE�THESE�CLAIMS
       OR�DISPUTES�BY�BINDING�ARBITRATION.�IF,�AFTER�THAT�DATE,�YOU�QUALIFY�UNDER�FEDERAL�LAW�AS�A�COVERED
       BORROWER,�THEN�THIS�SECTION�DOES�NOT�APPLY�TO�YOU�AND�NEITHER�JDF�NOR�YOU�MAY�ELECT�TO�RESOLVE
       SUCH�CLAIMS�OR�DISPUTES�BY�BINDING�ARBITRATION.�IF,�AFTER�THAT�DATE,�YOU�DO�NOT�QUALIFY�UNDER�FEDERAL
       LAW�AS�A�COVERED�BORROWER,�THEN�THIS�SECTION�DOES�APPLY�TO�YOU.�
       This�includes�any�such�claim�or�dispute,�whether�based�upon�contract,�property,�tort,�statute,�common�law�or�equity,�other�than�a
       claim�relating�to�JDF's�right�to�repossess�the�merchandise�purchased�through�your�account�by�self�help,�if�permitted,�or�by�judicial
       process.�The�parties�agree�and�understand�that�the�arbitration�shall�have�all�powers�provided�by�law�and�the�Contract.�These
       powers�shall�include�all�legal�and�equitable�remedies�including,�but�not�limited�to�money�damages,�declaratory�relief,�and
       injunctive�relief.�
       The�parties�agree�and�understand�that�they�choose�arbitration�instead�of�litigation�to�resolve�disputes.�The�parties�understand�that
    http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html      5/9
    4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
       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�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.�
       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.
         �
         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.
    http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html      6/9
    4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
       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:
         ��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.
       Multi�Use�Accounts�are�a�service�of�John�Deere�Financial,�f.s.b.
       CR3910273�Litho�in�U.S.A.�(16�02)
       View�printer�friendly�version�of�the�Privacy�Notice�below�(PDF)
                                                                    Rev.�February�2016
        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.
        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
    http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html      7/9
    4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
              reasons�John�Deere�Financial,�f.s.b.�chooses�to�share?�and�whether�you�can�limit�this�sharing.
       Reasons�we�can�share�your�personal�information     Does�John�Deere Can�you�limit
                                                          Financial,�f.s.b. this�sharing?
                                                          share?
       For�our�everyday�business�purposes���such�as�to�process�your�transactions,�maintain
       your�account(s),�respond�to�court�orders�and�legal�investigations,�or�report�to�credit Yes No
       bureaus
       For�our�marketing�purposes���to�offer�our�products�and�services�to�you Yes No
       For�joint�marketing�with�other�financial�companies      Yes        No
       For�our�affiliates'�everyday�business�purposes���information�about�your�transactions�and
                                                               Yes        No
       experiences
       For�our�affiliates'�everyday�business�purposes���information�about�your�creditworthiness Yes Yes
       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�Customer�Service�Representatives�will�be
       our    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�356�9033
       What�we�do
       How�does�John�Deere�Financial, To�protect�your�personal�information�from�unauthorized�access�and�use,�we�use�security
       f.s.b.�protect�my�personal measures�that�comply�with�federal�law.�These�measures�include�computer�safeguards�and
       information?         secured�files�and�buildings.
       How�does�John�Deere�Financial, We�collect�your�personal�information,�for�example,�when�you
       f.s.b.�collect�my�personal ��open�an�account�
       information?           ��use�your�credit�card�or�give�us�your�income�information�
                              ��pay�us�by�check�or�show�your�driver�s�license
                            We�also�collect�your�personal�information�from�others,�such�as�credit�bureaus,�affiliates,�or
                            other�companies.
       Why�can't�I�limit�all�sharing? Federal�law�gives�you�the�right�to�limit�only
                              ��sharing�for�affiliates'�everyday�business�purposes���information�about�your
                              creditworthiness�
                              ��affiliates�from�using�your�information�to�market�to�you��
                              ��sharing�for�nonaffiliates�to�market�to�you
                            State�laws�and�individual�companies�may�give�you�additional�rights�to�limit�sharing.�See
                            below�for�more�on�your�rights�under�state�law.
       What�happens�when�I�limit�sharing Your�choice�will�apply�to�everyone�on�your�account.
       for�an�account�I�hold�jointly�with
       someone�else?
       Definitions
       Affiliates Companies�related�by�common�ownership�or�control.�They�can�be�financial�and�nonfinancial�companies.
                John�Deere�Financial,�f.s.b.�and�its�credit�affiliates�including�Deere�&�Company,�Deere�Credit,�Inc.,�and
                John�Deere�Construction�and�Forestry�Company.
       Nonaffiliates Companies�not�related�by�common�ownership�or�control.�They�can�be�financial�and�nonfinancial�companies.
                Such�as�securities�brokers�dealers,�insurance�companies�and�agents�and�merchants�participating�in�the
                John�Deere�Financial�program�who�have�identified�you�as�their�customer.
       Joint   A�formal�agreement�between�nonaffiliated�companies�that�together�market�financial�products�or�services�to�you.
       Marketing John�Deere�Financial�Merchants
       Other�important�information
       California�Residents We�will�not�share�information�about�you�with�nonaffiliated�third�parties,�except�as�permitted�by
                      California�law,�such�as�to�process�your�transactions,�maintain�your�account�or�with�your�consent.
    http://www.deere.com/en_US/docs/financial/usa/terms/consumerterms.html      8/9
    4/18/2016                   John�Deere�Financial�Multi�Use�Online�Application,�Terms�:
       Vermont�Residents We�will�not�disclose�information�about�your�creditworthiness�to�our�affiliates�and�will�not�disclose�your
                      personal�information,�financial�information,�credit�report,�or�health�information�to�nonaffiliated�third
                      parties�to�market�to�you,�other�than�as�permitted�by�Vermont�law,�unless�you�authorize�us�to�make
                      those�disclosures.�
                      Additional�information�concerning�our�privacy�policies�can�be�found�at�JohnDeere.com/Privacy�or�call
                      1�800�356�9033.
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