REVOLVING PLAN TERMS 
AND CONDITIONS - 
PERSONAL USE
RETAIL CREDIT AND 
SECURITY AGREEMENT

If you have applied for a revolving credit account, the following 

disclosures apply: 

Account Opening, Application and Solicitation Disclosures

Interest Rates and Interest Charges

Annual 

Percentage 

19.75%

Rate (APR) for 

This APR will vary with the market based 

Purchases

on the Prime Rate.

Penalty APR 

None

and When It 

Applies

How to Avoid 

Your due date is at least 25 days after the 

Paying Interest 

close of each billing cycle. We will not 

on Purchases

charge you interest on purchases if you 

pay your entire balance due by the due 

date each month.

Minimum 

None

Interest Charge

For Credit Card 

To learn more about factors to consider 

Tips from the 

when applying for or using a credit card, 

Consumer 

Financial 

Protection 

Bureau

visit the website of the Consumer Financial 

Protection Bureau at 

http://www.consumerfinance.gov/learnmore

Fees Revised as of 5/01/2019

    Penalty Fees

    Late Payment 

Fee

    Returned 

Payment Fee

Up to $39.00

Up to $39.00

HOW WE CALCULATE YOUR BALANCE. We use a method called 

"average daily balance (including new purchases)." See your 

Account Agreement for more details.

BILLING RIGHTS. Information on your rights to dispute transactions 

and how to exercise those rights is provided in your Account 

Agreement. 

APPLICANT(S) ACKNOWLEDGE THAT (1) SELLER HAS NOT 

REPRESENTED THAT THE TERMS OF THIS FINANCING ARE 

MORE OR LESS FAVORABLE THAN OTHER FINANCING; (2) 

SELLER IS NOT APPLICANT'S AGENT IN OBTAINING THE 

FINANCING; (3) APPLICANT MAY OBTAIN FINANCING FROM 

OTHER SOURCES; (4) SELLER MAY BE COMPENSATED FOR 

SERVICES INVOLVED IN ARRANGING THIS FINANCING.

TERMINOLOGY. In this Agreement the words you, your, and yours

mean each person who applies for and is granted a Revolving Plan 

Account, ("Account") and any co-applicant identified on the 

application. JDF means John Deere Financial, f.s.b., or any 

subsequent holder of the Account or any balances arising under the 

Account. When the terms "finance charge" and "interest charge" are 

used in this Agreement and on other documents related to your 

Account, they have the same meaning.

CREDIT APPROVAL. This Agreement is not binding on JDF unless 

and until JDF has approved your credit and given you notice of 

approval.

CARD. You requested an Account and credit card ("Card") from 

JDF.  You agree that this Agreement controls all purchases made on 

this Account or with use of the Card by you or any person you 

authorize to use it.  This arises out of a consumer credit sale. You 

authorize JDF to honor any purchase you make by mail, telephone, 

internet, facsimile transmission (fax) or other electronic means on 

your Account.  You agree that a signature is not necessary as 

identification in such cases.  You agree that any authorized use of 

your Account or Card constitutes your acceptance of all the terms 

and conditions of this Agreement, as it may be amended from time to 

time.  If you submit your application to JDF by internet, facsimile 

transmission (fax), or other electronic means, you agree that the 

application will have the same effect as a signed original.  You agree 

that you will promptly notify JDF in writing of suspected loss, theft, or 

unauthorized use of your Card.  You may be liable for the 

unauthorized use of your Card before you notify JDF in writing at 

John Deere Financial, P.O. Box 5327, Madison, Wisconsin 53705-

0327 (800-541-2969) of the unauthorized use.  In any case, your 

liability will not exceed $50.  You consent and agree that your 

telephone conversations with JDF may be recorded to further 

improve JDF’s customer service. You agree that JDF and any 

affiliate and any retained debt collector may place phone calls to you 

using any telephone number, including a mobile phone number, you 

have provided to JDF, any affiliate or any retained debt collector, 

including calls using an automatic dialing and announcing device and 

prerecorded calls, and that such calls are not "unsolicited" under 

state or federal law. You agree to give JDF prompt notice of any 

change in your name, mailing address, telephone number or place of 

employment. You agree that until JDF receives notice of your new 

address, JDF may continue to send statements and other notices to 

the address you gave JDF on the application for this Account. You 

agree that, for the purposes of this Agreement, you will be deemed to 

"reside" in the state of your billing address as shown on JDF’s 

records. If more than one person or entity signed the application, 

each is jointly and severally responsible for all obligations, and 

amounts due, under this Agreement. If Maryland law applies, Subtitle 

9 of Title 12 of the Maryland Commercial Law will apply.

CREDIT LIMIT. JDF will state your credit limit for your purchases 

when JDF notifies you of credit approval and issues your Card. You 

may request a change to your credit limit by writing JDF at the 

address listed above. You agree that JDF may increase or 

decrease your Account credit limit at any time, in JDF's sole 

discretion, without prior notice to you.

ACCOUNT USE. You can use your Account to purchase authorized 

goods and services from participating retailers up to the full amount 

of your credit limit.  You agree you will owe JDF all amounts charged 

on the Account, plus interest charges and the other charges provided 

for in this Agreement. Unless your Account has been closed or 

suspended, JDF will allow a purchase of authorized goods or 

services from a participating retailer to be made through your 

Account as long as (1) you are not in default; (2) your financial 

condition has not materially or adversely changed; and (3) JDF has 

not been provided information by third parties that indicates serious 

charge-offs or delinquencies with other of your accounts.  We will 

consider your Account to be inactive if, for six months or more, no 

purchases have been made through your Card, and your Account 

Balance has been zero.

You agree that all purchases and transactions made on your Account 

shall be for a personal, family or household purpose, and not for a 

business or commercial purpose.

You agree that JDF is not responsible for the refusal of anyone 

to allow a purchase to be made through your Card.

MONTHLY STATEMENT. JDF will send you a monthly statement 

whenever there is activity on your Account. Your monthly statement 

will show your New Balance and any Late Fees and Interest Charge 

for purchases. In addition, it will show any available credit for 

purchases, an itemized list of current Purchases, Debits, Payments 

and Credits, the Minimum Required Payment and the Payment Due 

Date, as well as other pertinent information concerning your Account.

For information about your rights regarding billing errors, refunds, or 

adjustments, please refer to the section - "Your Billing Rights".

We will send your monthly statements on dates and in intervals 

determined by JDF. Such statement shall be deemed correct and 

accepted by you unless JDF is notified to the contrary in writing 

within 60 days of JDF mailing such statement. If you think your 

monthly statement is incorrect, write JDF on a separate sheet at the 

address shown on the back of your billing statement. Describe the 

error as best you can and include your Account number in all 

correspondence.

PAYMENT. The Payment Due Date is the date the payment is due at 

the address shown on the front of your monthly statement. You may 

at any time pay your entire New Balance or pay more than the 

Minimum Required Payment, and you will avoid or reduce Interest 

Charges by doing so. If your Payment Due Date falls on a date on 

which we do not receive or accept payments by mail (including 

weekends and holidays) we will not treat the payment received the 

next business day as late for any purpose. All payments must be in 

U.S. dollars and drawn on funds on deposit in the United States. 

Payments must be sent to John Deere Financial at the address 

designated on your monthly payment stub or to any other payment 

address JDF later designates on your monthly statement payment 

stub. We will not accept any payments at our offices.

INTEREST CHARGE RATES.

NO INTEREST IF PAID IN FULL. JDF will add an INTEREST 

CHARGE calculated at the Regular Purchase Rate, as explained 

in the Special Promotions/No Interest if Paid in Full Transactions 

section of this Agreement.

REGULAR PURCHASES. On Regular Purchases, (not No Interest 

if Paid in Full Special Promotions) JDF will add an INTEREST 

CHARGE calculated at the following rate, if your New Balance is 

not paid in full on or before the Payment Due Date listed on your 

statement.

Interest Charges on your Account for Regular Purchases may be 

calculated using a variable rate that will be determined by 

reference to a "Base Rate" to which is added a "Spread" to 

arrive at the current rate. The same Spread will be used for 

purchase(s) within your Account.

The Base Rate from which your variable rate will be determined is 

the annual percentage rate of interest announced publicly from 

time to time by Citibank, N.A. in New York, New York, as the base 

rate it uses for interest rate determinations, which was in effect at 

the close of business on the fifteenth (15th) calendar day of each 

month, or the next succeeding business day if the fifteenth is not a 

business day ("Reference Day"). The Spread added to the Base 

Rate to determine the ANNUAL PERCENTAGE RATE (APR) that 

will apply to your Account will be:

Regular Purchase Rate

Spread

15%

Rate increases and decreases, that result from changes in the 

Base Rate will take effect on the first day of the month, or the next 

succeeding business day if the first day is not a business day, 

after the Reference Day on which the Base Rate changes.

Changes in your variable rate will apply to your existing Account 

Balance as well as to future purchases. An increase in your rate 

will increase the total Interest Charge accruing on your Account 

and the balance on which your Minimum Required Payment is 

calculated. For example, if the Base Rate (and thus the applicable 

variable rate) were to increase by 5%, and the average daily 

balance to which the new rate applied was $1,000, your 

INTEREST CHARGE for that month would increase by $4.17 as a 

result of the increase in the variable rate.

Current effective rates are shown below:

Daily 

Periodic Rate

ANNUAL 

PERCENTAGE

RATE

.054110%

19.75%

 REGULAR 

PURCHASE RATE

The above rate is correct as of the date of printing, 12/02/2019, but is 

subject to change after that date. To find out what may have 

changed, write to JDF at John Deere Financial, P.O. Box 5327, 

Madison, Wisconsin 53705-0327; or call Customer Service at 1-800-

541-2969.

INTEREST CHARGE CALCULATION. The amount of INTEREST 

CHARGE is determined in the following manner. JDF uses the daily 

periodic rates and corresponding APR shown in this Agreement.  

The applicable periodic rate is applied to the "Average Daily 

Balance" of your corresponding purchases, including current 

transactions, during the current billing cycle.

To get the "Average Daily Balance", JDF takes the beginning 

balance of those purchases each day, starting with any Previous 

Balance outstanding on the first day of the monthly billing cycle, adds 

new purchases and debits (other than late payment fees), and 

subtracts payments or credits.  This determines the daily balance.  

Unless JDF elects to use a later date, purchases are added to the 

daily balance as of the date of purchase.

JDF totals the daily balances for the billing cycle and divides the total 

by the number of days in the billing cycle.  This gives JDF each 

"Average Daily Balance" which is shown on your monthly statement.

MINIMUM MONTHLY PAYMENT. You agree to pay each month a 

Minimum Required Payment equal to:

1. Any late payment fee due; plus

2. Any additional fees; plus

3. Any amount past due; plus

4. For purchases:

a. Either the greater of: (i) $50 or (ii) 2.50% of your highest 

balance;

b. Or your entire New Balance, if it is $50 or less.

SPECIAL PROMOTIONS. From time to time special financing terms, 

such as extended free periods, incentive interest rates on certain 

purchases or other promotions may be available. This may be limited 

to certain purchases from participating retailers. These special terms 

will be disclosed by the retailer at the time of purchase or on the next 

monthly statement sent to you and will govern the APR and 

repayment terms. Purchases you make during these special 

promotions will be separately identified on your monthly statement 

and will become part of the balance on which your INTEREST 

CHARGE and Minimum Required Payment are calculated at the time 

provided in the special terms disclosure. Final payment due for these 

transactions may be slightly larger. Any introductory low rate may 

be followed by a higher rate, which may be as high as the 

Regular Purchase Rate.

NO INTEREST IF PAID IN FULL TRANSACTIONS. Unless 

otherwise disclosed, minimum monthly payments will be made 

and Interest Charge will accrue from the transaction date during 

the No Interest if Paid in Full period described on your monthly 

statement at the Regular Purchase Rate as explained in the 

Regular Purchase Rate section of this Agreement. No Interest 

Charge will be due until the end of the No Interest if Paid in Full 

period and any accrued Interest Charge will be waived if the entire 

No Interest if Paid in Full balance is paid in full by the end of this 

No Interest if Paid in Full period.  If the No Interest if Paid in Full 

transaction balance is not paid in full during the introductory 

No Interest if Paid in Full period, interest charge will accrue 

from the transaction date at the Regular Purchase Rate. 

NO INTEREST WITH PAYMENT TRANSACTIONS. Interest 

Charges will not accrue during any no interest period described on 

your monthly statement. Minimum required payments will be 

required during the no interest period. If the no interest 

transaction is not paid in full during the introductory no 

interest period, interest charge will accrue at the Regular 

Purchase Rate.

OTHER FEES AND CHARGES. JDF will add to your Account: (1) A 

Late Payment Fee of $28 may be applied for the first time JDF does 

not receive a payment of at least the current portion of your Minimum 

Required Payment (Minimum Required Payment plus unpaid late 

payment fees and past due amounts) by the Payment Due Date 

shown on your statement and a $39 fee for any additional late 

payments during the next six statement billing cycles; (2) A Returned 

Payment Fee of $28 may be applied on the first check or electronic 

payment authorization JDF receives which is dishonored and a $39 

fee for any additional dishonored payments during the next six 

statement billing cycles; and (3) expenses incurred in connection 

with the enforcement of our remedies upon default, including, without 

limitation, (a) repossession, repair and collection costs, and (b) any 

attorney fees plus court costs and related fees, including any 

bankruptcy fees and costs, to the extent permitted by applicable law. 

If New Hampshire law applies, those fees may be awarded to you if 

you prevail in any such action, suit or proceeding. Any credit balance 

in excess of $1 on your Account will be refunded within 7 business 

days from JDF’s receipt of your written request. Otherwise, JDF will 

refund to you any credit balance remaining on your Account after six 

months. JDF will retain any credit balance if it is less than $1 or if 

JDF does not know your address and it cannot be traced through the 

last address or telephone number provided JDF.

ACCEPTING PAYMENT. JDF can accept late or partial payments, 

as well as payments marked "paid in full" or with other restrictive 

endorsements, without losing any of JDF's rights under this 

Agreement.

CREDIT REPORTS. JDF may report your performance under this 

Agreement to credit reporting agencies and others who request a 

credit reference from JDF. JDF may ask credit reporting agencies or 

others you list as a credit reference for consumer reports or 

information regarding your credit history at any time for all legitimate 

purposes, including credit decisions and the review and collection of 

your Account. If you request, you will be provided with the name and 

address of any credit reporting agency that provided a report in 

connection with this application. As required by law, you are hereby 

notified that a negative credit report reflecting on your credit record 

may be submitted to a credit reporting agency if you fail to fulfill the 

terms of your credit obligations. You also authorize JDF to disclose 

financial information about you as described in this Agreement and 

future notices JDF may send you.

CANCELLATION. You may close your Account to future purchases 

at any time by notifying JDF in writing and returning all Cards. JDF 

may close or suspend your Account to future purchases at any time 

without prior notice. Regardless of the expiration, closing or 

suspension of your Account, you remain responsible for paying the 

amount you owe JDF according to the terms of this Agreement.

SECURITY INTEREST. You grant JDF a purchase money security 

interest in all merchandise purchased through your Account, and its 

proceeds, including insurance proceeds, but this provision does not 

apply if you reside in NC and the APR on a purchase or transaction 

exceeds 15%. JDF's security interest continues until such 

merchandise is paid for in full by application of your payments in the 

manner described in this Agreement. You agree to execute and 

authorize JDF to file (or to sign for you and file) any financing 

statement(s) or other document(s) needed to perfect the security 

interest that you have given JDF or that JDF may deem necessary 

before your debt is paid in full.

PROPERTY INSURANCE. While JDF's security interest in the 

merchandise continues, you must maintain all-risk physical damage 

insurance on each merchandise item of which $5,000 or more is 

financed through your Account. You may obtain such coverage from 

any source and, if it is not available from or through JDF, you will 

name John Deere Financial, f.s.b. as a loss payee of the insurance, 

entitled to at least 10 days advance notice of its cancellation, and at 

JDF's request you will provide evidence thereof. You assign and 

direct the insurer to pay JDF the proceeds of such insurance. You 

authorize JDF to make and settle claims, and to endorse in your 

name(s) and apply, any instrument for such proceeds to the unpaid 

purchase price of the item or, at JDF's option, to its restoration, 

returning any excess to you.

PAYMENT APPLICATION.

You agree that your Minimum Required Payment will be applied as 

JDF determines in its sole discretion. You agree that JDF has this 

discretion and that JDF may exercise it to suit its own convenience 

and interests, without further notice to you. You also agree that JDF 

may change how it applies your Minimum Required Payment at any 

time without notice to you. You acknowledge that the exercise of this 

discretion by JDF may result in cases in which the application of the 

Minimum Required Payment to the Account creates higher Interest 

Charges than other payment application methods and that this may 

include payments allocated to balances with lower APRs before 

balances with higher APRs and/or to balances with longer 

promotional periods before balances with shorter or no promotional 

periods. JDF shall apply amounts paid by you in excess of the 

Minimum Required Payment amount first to the transaction balance 

bearing the highest rate of interest, and then to each successive 

transaction balance bearing the next highest rate of interest, until all 

the amount you paid is applied to the Account. If you have a deferred 

interest transaction(s) on the Account, JDF will allocate the entire 

amount paid by you in excess of the Minimum Required Payment 

amount to the balances on which interest is deferred during the last 2 

billing cycles immediately preceding the expiration of the period 

during which interest is deferred. JDF may, in its sole discretion, 

consider requests by you to apply amounts paid in excess of the 

Minimum Required Payment in other ways.

You agree that your payments will be credited as of the date of 

receipt at the address on the payment stub of your Monthly 

Statement if received by 5:00 p.m. Central Time Monday through 

Friday (otherwise next business day). If payment is not accompanied 

by the payment stub or Account number, is not received at that 

location, or is not made in U.S. Dollars, by check or money order, 

credit may be delayed up to two business days.

RETAILER CHARGEBACKS. JDF may chargeback to a retailer who 

sold goods or services to you on your Account, any part of your 

Account balance related to those purchases.  In such an event, this 

Agreement will be deemed assigned to the retailer to the extent of 

the chargeback.  You agree to such an assignment and further agree 

to pay the retailer the amount of such chargeback in accordance with 

the terms of this Agreement.

DEFAULT. You agree that you will be in default if: (a) you fail to pay 

the Minimum Required Payment by the Payment Due Date on two 

occasions within any 12 month period; (b) the value of JDF's security 

interest in any collateral is materially impaired; (c) your ability to 

repay is materially reduced by your exceeding your credit limit, by a 

change in your employment, by a change in your obligations, by 

bankruptcy or insolvency proceedings involving you, or (for 

community property state residents only) by a change in your marital 

status or domicile; (d) if you die or are declared incompetent; (e) you 

provided JDF false or misleading information relating to your credit 

application or Account; (f) any purchase or transaction on your 

Account is not for a personal, family or household purpose; (g) you 

fail to perform any other of your obligations under the terms of this 

Agreement as it may be amended; or (h) you are in default under any 

other agreement you have with JDF or any of its affiliates.

You agree that upon your default, JDF may close your Account to 

future purchases and demand immediate payment of your entire 

Account balance, after giving you any notice and opportunity to cure 

the default required by applicable law. In addition, you agree that 

JDF shall have all the rights of a secured creditor under the Uniform 

Commercial Code and other applicable law.

ELECTRONIC DISCLOSURE. You agree that any notices and 

disclosures related to your Account can be delivered to you in printed 

form or by electronic means by sending them to any electronic mail 

address that you provided to JDF when you applied for this Account 

or at a later date. Until JDF receives notice of a new electronic mail 

address, JDF may continue to send such notices and disclosures to 

the electronic mail address you most recently provided to JDF.

ERRORS IN CREDIT BUREAU INFORMATION. If you believe JDF 

has reported inaccurate information about you to a credit bureau, 

please contact JDF at John Deere Financial, P.O. Box 5327, 

Madison, Wisconsin 53705-0327, and identify the inaccurate 

information and tell JDF why you believe it is incorrect.

DELAY IN ENFORCEMENT. JDF can delay enforcing our rights 

under this Agreement without losing them.

OTHER SERVICES. Third parties may offer additional features, 

services and enhancements related to the Account. You 

acknowledge that JDF is not liable for those and that they are the 

sole responsibility of those third parties. If you receive insurance 

services, you understand that you will receive all the information on 

those services from the insurer. That insurance may be cancelled if 

you are in default under this Agreement.

GOVERNING LAW. This Agreement must be approved, and all 

charges and payments to your Account processed by JDF, at our 

office in Madison, Wisconsin. Therefore this Agreement and your 

Account will be governed by the substantive law of the United States 

and to the extent state law applies to this Agreement, the substantive 

law of the State of Wisconsin, regardless of whether or not you 

reside in Wisconsin. The law of your state of residence may apply to 

JDF's recovery of any collateral located there. This is the entire 

Agreement between you and JDF and no oral changes can be made 

to it.

VALIDITY. Invalidity of any provision of this Agreement shall not 

affect the validity and enforceability of the remainder of its terms.

CHANGING THIS AGREEMENT. IMPORTANT:  READ BEFORE 

SIGNING.   THE TERMS OF THIS AGREEMENT SHOULD BE 

READ CAREFULLY BECAUSE ONLY THOSE TERMS IN WRITING 

IN THIS AGREEMENT ARE ENFORCEABLE.  NO OTHER TERMS 

OR ORAL PROMISES NOT CONTAINED IN THIS WRITTEN 

AGREEMENT MAY BE LEGALLY ENFORCED.  YOU MAY 

CHANGE THE TERMS OF THIS AGREEMENT ONLY BY 

ANOTHER WRITTEN AGREEMENT BETWEEN YOU AND 

JDF. JDF may change this Agreement, including the Annual 

Percentage Rate and the Interest Charge Calculation, at any time. 

JDF will provide you prior written notice. To the extent that the law 

permits and JDF indicates in our notice, the changes will apply to 

your existing Account balance as well as to future transactions.

NOTICE TO ACTIVE DUTY SERVICEMEMBERS AND THEIR 

DEPENDENTS. Federal law provides important protections to 

members of the Armed Forces and their dependents relating to 

extensions of consumer credit. In general, the cost of consumer 

credit to a member of the Armed Forces and his or her dependent 

may not exceed an annual percentage rate of 36 percent. This rate 

must include, as applicable to the credit transaction or account: the 

costs associated with credit insurance premiums; fees for ancillary 

products sold in connection with the credit transaction; any 

application fee charged (other than certain application fees for 

specified credit transactions or accounts); and any participation fee 

charged (other than certain participation fees for a credit card 

account)

TOLL-FREE NUMBER FOR ACTIVE DUTY SERVICEMEMBERS 

AND THEIR DEPENDENTS. If you would like to receive a statement 

of the Military Annual Percentage Rate applicable to this extension of 

consumer credit, and/or a clear description of the payment obligation 

of the covered borrower, please contact us at: 1-800-519-2242.

ARBITRATION OF DISPUTES. In the event of any past, present or 

future claim or dispute between you and JDF arising from or relating 

to your Account, any prior account you have had with JDF, your 

application, the relationships which result from your Account or the 

enforceability or scope of this arbitration provision, of the Agreement 

or of any prior agreement, you or JDF may elect to resolve the claim 

or dispute by binding arbitration.

FEDERAL LAW PROVIDES THAT JDF CANNOT REQUIRE 

CERTAIN ACTIVE DUTY MILITARY SERVICEMEMBERS OR 

THEIR DEPENDENTS (“COVERED BORROWERS”) TO RESOLVE 

THESE CLAIMS OR DISPUTES BY BINDING ARBITRATION. IF 

YOU QUALIFY UNDER FEDERAL LAW AS A COVERED 

BORROWER, THEN THIS SECTION DOES NOT APPLY TO YOU 

AND NEITHER JDF NOR YOU MAY ELECT TO RESOLVE SUCH 

CLAIMS OR DISPUTES BY BINDING ARBITRATION. IF YOU DO 

NOT QUALIFY UNDER FEDERAL LAW AS A COVERED 

BORROWER, THEN THIS SECTION DOES APPLY TO YOU.

This includes any such claim or dispute, whether based upon 

contract, property, tort, statute, common law or equity, other than a 

claim relating to JDF's right to repossess the merchandise purchased 

through your Account by self-help, if permitted, or by judicial process. 

The parties agree and understand that the arbitration shall have all 

Powers provided by law and the Contract. These Powers shall 

include all legal and equitable remedies including, but not limited, to 

money damages, declaratory relief and injunctive relief.

The parties agree and understand that they choose arbitration 

instead of litigation to resolve disputes. The parties understand that 

they have the right or opportunity to litigate disputes in court, but that 

they prefer to resolve their disputes through arbitration, except as 

provided herein.

IF EITHER YOU OR JDF ELECT ARBITRATION, NEITHER YOU 

NOR JDF SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN 

COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-

HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL 

RIGHTS WILL BE LIMITED. THE PARTIES VOLUNTARILY AND 

KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL, 

EITHER PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR 

PURSUANT TO A COURT ACTION.

NEITHER YOU NOR JDF SHALL BE ENTITLED TO JOIN OR 

CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST 

OTHER CUSTOMERS WITH RESPECT TO OTHER ACCOUNTS, 

OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR 

MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL 

CAPACITY.

Even if all parties have opted to litigate a claim in court, you or JDF 

may elect arbitration with respect to any claim made by a new party 

or any new claims later asserted in that lawsuit, and nothing 

undertaken therein shall constitute a waiver of any rights under this 

arbitration provision. Arbitration may be elected at any time, 

regardless of whether a lawsuit has been filed, unless the lawsuit 

involving that claim or dispute has resulted in a final judgment. JDF 

will not invoke our right to arbitrate an individual claim you bring in 

small claims court or your state's equivalent court, if any, so long as 

the claim is pending only in that court and does not exceed $5,000.

Your Account involves interstate commerce, and this provision shall 

be governed by the Federal Arbitration Act (FAA). The arbitration 

shall be conducted by JAMS or American Arbitration Association 

(AAA), at the option of the party electing arbitration, in accordance 

with their procedures in effect when the claim is filed. As of "date of 

print", for a copy of their procedures, to file a claim or for other 

information, contact AAA's customer service at 1-800-778-7879 or 

visit their website at www.adr.org or contact JAMS at 1-800-352-

5267 or by visiting their website at www.jamsadr.com. All claims may 

be filed at any JAMS or AAA office. At your written request, JDF will 

advance any arbitration filing, administrative and hearing fees which 

you would be required to pay to pursue a claim or dispute as a result 

of JDF's electing to arbitrate that claim or dispute. The arbitrator will 

decide who will ultimately be responsible for paying those fees. In no 

event will you be required to reimburse JDF for any arbitration filing, 

administrative, or hearing fees in an amount greater than what your 

and JDF's combined court cost would have been if the claim had 

been resolved in a state court with jurisdiction.

Any arbitration hearing will take place in the federal judicial district 

where you reside. The arbitrator shall follow applicable substantive 

law to the extent consistent with the FAA and applicable statutes of 

limitations and shall honor claims of privilege recognized at law. If 

requested by any party, the arbitrator shall write an opinion 

containing the reasons for the award. The arbitrator's decision will be 

final and binding except for any appeal rights under the FAA and 

except that if the amount in controversy exceeds $100,000, any party 

may appeal the award within 30 days to a three-arbitrator panel 

which shall review the award de novo. The costs of such an appeal 

shall be borne by the appealing party regardless of outcome. 

Judgment upon any award by the arbitrator may be enforced in any 

court having jurisdiction.

Our rights and obligations under this arbitration provision shall inure 

to the benefit of and be binding upon JDF's parent corporations, 

subsidiaries, affiliates, predecessors, successors and assigns, as 

well as the officers, directors and employees of each of these 

entities, and will also inure to the benefit of any third party named as 

a co-defendant with JDF or with any of the foregoing in a claim which 

is subject to this arbitration provision. Your rights and obligations 

under this arbitration provision shall inure to the benefit of and be 

binding upon all persons contractually liable under this Agreement 

and all Authorized Users of the Account. This arbitration shall survive 

termination of your Account as well as voluntary payment in full by 

you, and legal proceedings by JDF to collect a debt owed by you, 

any bankruptcy by you and any sale by JDF of your Account.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR 

OPENING A NEW ACCOUNT.  To help the government fight the 

funding of terrorism and money laundering activities, Federal law 

requires all financial institutions to obtain, verify, and record 

information that identifies each person who opens an Account.  What 

this means for you:  When you open an Account, you will be asked 

for your name, address, date of birth, and other information that will 

allow JDF to identify you.  You may also be asked to show your 

driver's license or other identifying documents.

YOUR BILLING RIGHTS.
KEEP THIS NOTCE FOR YOUR FUTURE USE.
THIS NOTICE CONTAINS IMPORTANT 
INFORMATION ABOUT YOUR RIGHTS AND 
JDF'S RESPONSIBILITIES UNDER THE FAIR 
CREDIT BILLING ACT.

NOTIFY JDF IN CASE OF ERRORS OR QUESTIONS ABOUT 

YOUR BILL. If you think your bill is wrong, or if you need more 

information about a transaction on your bill, write to JDF (on a 

separate sheet) at the address shown on the back of your billing 

statement.  Write to JDF as soon as possible.  JDF must hear from 

you not later than 60 days after JDF sent you the first bill on which 

the error or problem appeared.  You can telephone JDF, but doing so 

will not preserve your rights. In your letter, give JDF the following 

information:

• Your name and Account number

• The dollar amount of the suspected error

• Describe the error and explain, if you can, why you believe there 

is an error.

• If you need more information, describe the item you are unsure 

about

If you have authorized JDF to pay your credit card bill automatically 

from your savings or checking account, you can stop the payment on 

any amount you think is wrong. To stop the payment your letter must 

reach JDF three business days before the automatic payment is 

scheduled to occur.

YOUR RIGHTS AND RESPONSIBILITIES AFTER JDF RECEIVES 

YOUR WRITTEN NOTICE. JDF must acknowledge your letter within 

30 days, unless JDF has corrected the error by then.  Within 90 

days, JDF must either correct the error or explain why JDF believes 

the bill was correct.

After JDF receives your letter, JDF cannot try to collect any amount 

you question, or report that amount as delinquent.  JDF can continue 

to bill you for the amount you question, including interest charges, 

and JDF can apply any unpaid amount against your credit limit.  You 

do not have to pay any questioned amount while JDF is 

investigating, but you are still obligated to pay the parts of your bill 

that are not in question.

If JDF finds that it made a mistake on your bill, you will not have to 

pay any interest charges related to any questioned amount.  If JDF 

did not make a mistake, you may have to pay interest charges, and 

you will have to make up any missed payments on the questioned 

amount.  In either case, JDF will send you a statement of the amount 

you owe and the date that it is due.

If you fail to pay the amount that JDF thinks you owe, JDF may 

report you as delinquent.  However, if JDF’s explanation does not 

satisfy you, and you write to JDF within 25 days telling JDF that you 

still refuse to pay, JDF must tell anyone it reports you to that you 

have a question about your bill.  And, JDF must tell you the name of 

anyone it reports you to.  JDF must tell anyone it reports you to that 

the matter has been settled between you and JDF when it is finally 

settled.

If JDF doesn’t follow these rules, JDF can’t collect the first $50 of the 

questioned amount, even if your bill was correct.

SPECIAL RULES FOR CREDIT CARD PURCHASES. If you have a 

problem with the quality of property or services that you purchased 

with your credit card and you have tried in good faith to correct the 

problem with the merchant, you may have the right not to pay the 

remaining amount due on the property or services.  There are two 

limitations on this right:

• You must have made the purchase in your home state or, if not 

within your home state, within 100 miles of your current mailing 

address; and

• The purchase price must have been more than $50.

These limitations do not apply if JDF owns or operates the merchant, 

or if JDF mailed you the advertisement for the property or services.

YOUR CHOICE TO LIMIT MARKETING:

• The John Deere Financial companies are providing this notice. 

They include Deere & Company, Deere Credit, Inc., John Deere 

Construction & Forestry Company and John Deere Financial, 

f.s.b.

• You may limit the John Deere companies, such as the 

manufacturing, credit, leasing and insurance affiliates, from 

marketing their products or services to you based on your 

personal information that they receive from any John Deere 

Financial company. This information may include your income, 

account history, and credit score.

• Your choice to limit marketing offers from the John Deere 

companies will apply for at least 5 years from when you tell us 

your choice. Once that period expires, you will receive a renewal 

notice that will allow you to continue to limit marketing offers 

from the John Deere companies for at least another 5 years.

• To limit marketing offers, contact us at 1-800-541-2969.

(19-12)

Revolving Plan Accounts are a service of John Deere Financial, f.s.b.

View printer friendly version of the Privacy Notice below (PDF)

Page 1 of 2

Rev. April 2017

WHAT DOES JOHN DEEERE FINANCIAL, 

FACTS

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 

Does 

Can you 

your personal information

John Deere 

limit this 

Financial, 

sharing? 

f.s.b. share?

For our everyday 

business purposes - such 

as to process your 

transactions, maintain your 

account(s), respond to 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 

Yes

No

Yes

Yes

No

No

No

purposes - information 

Yes

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

Yes

Yes

Yes

To limit 

• Call 1-800-541-2969 – and at the Menu, select 

our 

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 1-800-541-2969

Page 2 of 2

What we do

How does 

To protect your personal information from 

John Deere 

unauthorized access and use, we use 

Financial, 

security measures that comply with 

f.s.b. protect 

federal law. These measures include 

my personal 

computer safeguards and secured files 

information?

and buildings.

How does 

We collect your personal information, for 

John Deere 

example, when you 

Financial, 

• open an account 

f.s.b. collect 

• use your credit card or give us your 

my personal 

income information 

information:

• pay us by check or show your driver’s 

license

We also collect your personal information 

from others, such as credit bureaus, 

affiliates or other companies.

Why can't I 

Federal law gives you the right to limit only 

limit all 

sharing?

• sharing for affiliates' everyday business 

purposes—information about your 

creditworthiness

• affiliates from using your information to 

market to you

• sharing for nonaffiliates to market to you

State laws and individual companies may 

give you additional rights to limit sharing. 

See below for more on your rights under 

state law.

What 

Your choice will apply to you. Others on 

happens 

your account may limit information sharing 

when I limit 

for the account, or you can also limit 

sharing for 

sharing information for them.

an account I 

hold jointly 

with 

someone 

else?

Definitions

Affiliates

Companies related by common ownership 

or control. They can be financial and 

nonfinancial companies. 

• John Deere Companies including 

Deere & Company, Deere Credit, Inc., 

John Deere Construction and Forestry 

and John Deere Financial, f.s.b.

Nonaffiliates

Companies not related by common 

ownership or control. They can be 

financial and nonfinancial companies. 

• Such as mortgage bankers, securities 

brokers-dealers, insurance companies 

and agents, retailers, direct marketers, 

airlines, publishers and non-profit 

organizations.

Joint 

A formal agreement between nonaffiliated 

Marketing

companies that together market financial 

products or services to you. 

• John Deere Dealers

Other important information

California 

Residents

We will not share information about you 

with nonaffiliated third parties, except as 

Vermont 

Residents

permitted by California law, such as to 

process your transactions, maintain your 

account or with your consent.

We will not disclose information about 

your creditworthiness to our affiliates and 

will not disclose your personal information, 

financial information, credit report, or 

health information to nonaffiliated third 

parties to market to you, other than as 

permitted by Vermont law, unless you 

authorize us to make those disclosures. 

Additional information concerning our 

privacy policies can be found at 

JohnDeere.com/Privacy or call 1-800-541-

2969.

This is your Agreement. Please read it and 
keep it for your records.