MULTI-USE ACCOUNT
CONSUMER USE CREDIT 
AGREEMENT.

THIS IS YOUR AGREEMENT.
PLEASE READ IT AND KEEP 
IT FOR YOUR RECORDS.

Account Opening, Application and Solicitation Disclosures

Annual 

Percentage 

Rate (APR)  

for 

Purchases

Interest Rates and Interest Charges 

16.65% for Preferred Purchases

18.65% for Merchant Authorized Purchases

These APRs will vary with the market based on 

the Prime Rate.

Penalty APR 

None

and When it 

Applies

How to 

Avoid 

Paying 

Your due date is at least 25 days after the close 

of each billing cycle.  We will not charge you 

interest on purchases if you pay your entire 

Interest on 

balance due by the due date each month.

Purchases

Minimum 

None

Interest 

Charge

For Credit 

Card Tips 

from the 

To learn more about factors to consider when 

applying for or using a credit card, visit the 

website of the Consumer Financial Protection 

Consumer 

Bureau at 

http://www.consumerfinance.gov/learnmore

Financial 

Protection 

Bureau

Penalty Fees

Fees

Late Payment Fee

Returned Payment Fee

Up to $35.00

Up to $35.00

How We Will Calculate Your Balance:  We use a method called 

"average daily balance (including new purchases)."  See your account 

agreement for more details.

Billing Rights: Information on your rights to dispute transactions and 

how to exercise those rights is provided in your account agreement.

APPLICANT(S) ACKNOWLEDGE THAT (1) SELLER HAS NOT 

REPRESENTED THAT THE TERMS OF THIS FINANCING ARE 

MORE OR LESS FAVORABLE THAN OTHER FINANCING; (2) 

SELLER IS NOT APPLICANT'S AGENT IN OBTAINING THE 

FINANCING; (3) APPLICANT MAY OBTAIN FINANCING FROM 

OTHER SOURCES; (4) SELLER MAY BE COMPENSATED FOR 

SERVICES INVOLVED IN ARRANGING THIS FINANCING.

TERMINOLOGY. In this Agreement the words you, your, and yours

mean each person who applies for and is granted a Multi-

Use Account, including any co-applicant identified on the application, 

as well as any person permitted to use the Account. JDF means John 

Deere Financial, f.s.b., or any subsequent holder of the Account or 

any balances arising under the Account. When the terms "finance 

charge" and "interest charge" are used in this agreement and on other 

documents related to your account, they have the same meaning.

MULTI-USE ACCOUNT. You request a Multi-Use Account from JDF, 

and further authorize JDF to issue a Multi-Use Account card to each 

merchant from whom you may make a purchase. By applying for a 

Preferred Account, or by using a Merchant Authorized Account to 

make a purchase from a merchant who requests JDF to open one for 

you, you agree that this Credit Agreement will apply to all purchases 

made through your Multi-Use Account by you or any person you 

authorize. This arises out of a consumer credit sale. You authorize 

JDF to honor any purchases you make by mail or telephone, internet, 

facsimile transmission (fax) or other electronic means on your 

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:

Spread

11.9%

13.9%

Preferred

Merchant Authorized

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)

Preferred

Purchases

Merchant

Authorized

Purchases

Preferred

Purchases

Merchant

Authorized

Purchases

Rate:

.045616%

.051096%

16.65%

18.65% 

The above rates are correct as of 12/02/2019, but are subject to 

change after that date. To find out what may have changed, write to 

John Deere Financial, P.O. Box 5328, Madison, Wisconsin 53705-

0328; or call Customer Service at 1-800-356-9033.

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 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 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).

TOLL-FREE NUMBER FOR ACTIVE DUTY SERVICE MEMBERS 

AND THEIR DEPENDENTS. If you would like to receive a statement 

of the Military Annual Percentage Rate applicable to this extension of 

consumer credit, and/or a clear description of the payment obligation 

of the covered borrower, please contact us at 800-519-2242.

ARBITRATION OF DISPUTES. In the event of any past, present or 

future claim or dispute between you and JDF arising from or relating 

to your Account, any prior account you have had with JDF, your 

application, the relationships which result from your Account or the 

enforceability or scope of this arbitration provision, of the Agreement 

or of any prior agreement, you or JDF may elect to resolve the claim 

or dispute by binding arbitration.

FEDERAL LAW PROVIDES THAT JDF CANNOT REQUIRE 

CERTAIN ACTIVE DUTY MILITARY SERVICEMEMBERS OR THEIR 

DEPENDENTS (“COVERED BORROWERS”) TO RESOLVE THESE 

CLAIMS OR DISPUTES BY BINDING ARBITRATION. IF YOU 

QUALIFY UNDER FEDERAL LAW AS A COVERED BORROWER, 

THEN THIS SECTION DOES NOT APPLY TO YOU AND NEITHER 

JDF NOR YOU MAY ELECT TO RESOLVE SUCH CLAIMS OR 

DISPUTES BY BINDING ARBITRATION. IF YOU DO NOT QUALIFY 

UNDER FEDERAL LAW AS A COVERED BORROWER, THEN THIS 

SECTION DOES APPLY TO YOU.

This includes any such claim or dispute, whether based upon 

contract, property, tort, statute, common law or equity, other than a 

claim relating to JDF's right to repossess the merchandise purchased 

through your account by self-help, if permitted, or by judicial process. 

The parties agree and understand that the arbitration shall have all 

powers provided by law and the Contract. These powers shall include 

all legal and equitable remedies including, but not limited to money 

damages, declaratory relief, and injunctive relief.

The parties agree and understand that they choose arbitration instead 

of litigation to resolve disputes. The parties understand that they have 

the right or opportunity to litigate disputes in court, but that they prefer 

to resolve their disputes through arbitration, except as provided 

herein.

IF EITHER YOU OR JDF ELECTS ARBITRATION, NEITHER YOU 

NOR JDF SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN 

COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-

HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL 

RIGHTS WILL BE LIMITED. THE PARTIES VOLUNTARILY AND 

KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL, 

EITHER PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR 

PURSUANT TO A COURT ACTION. NEITHER YOU NOR JDF 

SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN 

ARBITRATION BY OR AGAINST OTHER CUSTOMER 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.

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.

CR (19-12) Multi-Use Accounts are a service of John Deere Financial, 

f.s.b.

View printer friendly version of the Privacy Notice below (PDF)

Rev. May 2017

FACTS WHAT DOES JOHN DEERE FINANCIAL, F.S.B. DO 

WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your 

personal information. Federal law gives consumers 

the right to limit some but not all sharing. Federal law 

also requires us to tell you how we collect, share, and 

protect your personal information. Please read this 

notice carefully to understand what we do.

What?

The types of personal information we collect and 

share depend on the product or service you have with 

us. This information can include: 

– Social Security number and income

– account balances and payment history

– credit history and credit scores

How?

All financial companies need to share customers' 

personal information to run their everyday business. 

In the section below, we list the reasons financial 

companies can share their customers' personal 

information; the reasons John Deere Financial, f.s.b. 

chooses to share; and whether you can limit this 

sharing.

Reasons we can share your 

Does 

personal information

John Deere 

Financial, 

f.s.b. share?

Can you 

limit this 

sharing? 

For our everyday business 

purposes - such as to process 

your transactions, maintain 

your account(s), respond to 

Yes

No

court orders and legal 

investigations, or report to 

credit bureaus

For our marketing purposes

- to offer our products and 

services to you

For joint marketing with 

other financial companies

For our affiliates' everyday 

business purposes -

information about your 

transactions and experiences

For our affiliates' everyday 

business purposes -

information about your 

creditworthiness

For our affiliates to market 

to you

For nonaffiliates to market to 

you

Yes

Yes

Yes

No

No

No

Yes

Yes

Yes

Yes

Yes

Yes

To limit 

– Call 1-800-356-9033 - at the menu prompt, 

our 

select 0 and one of our Customer Service 

sharing

Representatives will be able to assist you.

Please note: If you are a new customer, we can begin sharing your 

information 30 days from the date we sent this notice. When you are 

no 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 

To protect your personal information 

from unauthorized access and use, we 

Financial, f.s.b. 

use security measures that comply 

protect my personal 

with federal law. These measures 

information?

include computer safeguards and 

How does 

John Deere 

secured files and buildings.

We collect your personal information, 

for example, when you 

Financial, f.s.b. 

– open an account 

collect my personal 

– use your credit card or give us your 

information?

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 

Federal law gives you the right to limit 

sharing?

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 

Your choice will apply to you. Others 

I limit sharing for an 

on your account may limit information 

account I hold jointly 

sharing for the account, or you can 

with someone else?

also limit sharing information for them.

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 

Marketing

companies that together market financial 

products or services to you. 

◾ John Deere Financial Merchants

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 1-800-356-9033.