John Deere Bank, S.A., Sucursal en España

John Deere Bank, S.A., Sucursal en España is the Spanish branch of John Deere Bank S.A., a Luxembourg credit institution within Deere & Company’s financial services segment. In Spain it operates under the John Deere Financial brand and focuses on financing tied to John Deere equipment distributed through the brand’s dealer network, offering retail installment loans and leases for end-customers and wholesale (floorplan) financing for dealers; it does not operate as a full-service bank and generally does not provide current accounts, payment cards, or general-purpose personal loans. Pricing and structures depend on program and eligibility, and may include manufacturer-subsidized rates, seasonal or balloon repayments, and security over the financed equipment. Credit decisions are based on applicant solvency and the asset being financed, with consumer contracts subject to Spanish consumer credit and transparency rules where applicable, while business customers contract under commercial law. As an EU branch, prudential supervision is undertaken in its home state under the EU banking framework, while market conduct in Spain falls under Banco de España; customer complaints can be addressed first to the entity’s customer service and, if unresolved, to Banco de España’s complaints channel. Early repayment is typically permitted subject to contractual terms and statutory limits on compensation. The branch forms part of a captive finance model that is commonly funded by group resources and capital markets rather than retail deposits, so deposit products and deposit guarantee coverage are not part of its usual offering. Data processing is subject to EU data protection rules.