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2018 TRUCK PARTS & SERVICE
www.toromonttruck.com
FULL MAINTENANCE ON ALL TRUCKS
MANITOBA • ONTARIO • NEWFOUNDLAND
www.toromonttruck.com
TOROMONT TRUCK ENGINE CONTACTS
Rick GolfettoTruck Account Manager
[email protected]: 416-667-5859
Cell: 416-559-2753
Mark DavenportParts, Service and Marketing Manager
[email protected]: 416-667-5757
Cell: 416-346-0051
www.toromonttruck.com
2018 TRUCK PARTS & SERVICE PROGRAMS
PAGECOVERAGE PLAN PROGRAMS
ADDITIONAL INFORMATION
Free 4th Year Upgrade Precious Metal ESCFree 4th Year Upgrade Component Plus ESC4 Years OPT Discount - Option 14 Years OPT Discount - Option 2
2018 Truck Firm PricingComponent Plus, Precious Metal ESCOverhaul Protection for Trucks - OPTRemanufactured Engines ESCNotesFAQsCat Commercial Account Application FormToromont Dealers
* All programs and promotions are valid January 1, 2018 to December 31, 2018. Toromont reserves the right to withdraw or change these offers at any time without notice. Offers are subject to availability.
1234
910-11121314151620
SERVICE PROGRAMS$500 Toromont Loyalty Card PM Service/ Valve Set Combo with $100 Loyalty CardTune-Up Special with $100 Loyalty CardCAT Financing Special
5678
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
1
PROGRAM DETAILS:• 4th Year/Coverage Upgrade Free when 3 year ESC is purchased• Effective 01 January, 2018 – 31 December, 2018
PRECIOUS METALS ESC COVERAGEFOR HEAVY AND MEDIUM DUTY
FREE 4TH YEAR
PROGRAM ID: FOC-ENG-3369
2APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16 Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
PROGRAM DETAILS:• 4th Year/Coverage Upgrade Free when 3 year ESC is purchased• Effective 01 January, 2018 – 31 December, 2018
COMPONENT PLUS ESC COVERAGEFOR HEAVY AND MEDIUM DUTY
PROGRAM ID: FOC-ENG-3369
FREE 4TH YEAR
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
3
PROGRAM DETAILS:• 4th year of coverage must be purchased• Applies to Heavy Duty Engines Only• Minimum of Gold Kit + Head or Platinum Kit (or equivalent)• 4 Year OPT Discount
» ACERT: $3,250» Pre-ACERT: $2,450
• Effective 01 January, 2018 – 31 December, 2018
PROGRAM ID: NAT-ENG-396
OPT COVERAGE PROGRAM2 YEARS FREE
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
3
PROGRAM ID: NAT-ENG-396
OPT DISCOUNT PROGRAM - OPTION 14 YEARS
4APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16 Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
*If Platinum kit is used additional component qualification will be met (injector set in kit)** ACERT engine requires both turbos to be replaced***If injector is chosen optional component, must replace all 6 (set)
PROGRAM DETAILS:• 4th year of coverage must be purchased• Applies to Heavy Duty Engines Only• Gold Kit + Head or Platinum Kit (or equivalent)*
• Turbocharger(s)**• AND 1 additional component » Air compressor, VVA, Oil Cooler OR Injector set***• 4 Year OPT Discount
» ACERT: $4,250» Pre-ACERT: $3,175
• Effective 01 January, 2018 – 31 December, 2018
PROGRAM ID: FOC-ENG-3553
OPT COVERAGE PROGRAM3 YEARS FREE
4APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16 Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
PROGRAM ID:
PLUS
NAT-ENG-3136
OPT DISCOUNT PROGRAM - OPTION 24 YEARS
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
5
PROGRAM DETAILS:• Must replace the air compressor or VVA’s or oil Cooler during the overhaul to be eligible for this program.• Must have 4 Years OPT Coverage• Customer receives a $500 Toromont Loyalty Card upon eligibility by mail 4-6 weeks after invoicing, this card can be applied toward future parts and service purchases at any Toromont Cat branch• Overhaul must be performed by a Toromont Cat location• Effective 01 January, 2018 – 31 December, 2018
PROGRAM ID: FOC-ENG-3349
TOROMONT LOYALTY CARDFREE $500
4APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16 Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
PROGRAM DETAILS:
PROGRAM ID: FOC-ENG-3351
VALVE ADJUSTMENT COMBO AND$100 TOROMONT LOYALTY CARD
$100 OFF PM SERVICE
• Customer receives a $100 Toromont Loyalty Card upon eligibility by mail 4-6 weeks after invoicing• This card can be applied toward future parts and service purchases at any Toromont branch• Effective 01 January, 2018 – 31 December, 2018
• Top end set adjustment• Engine oil and filter(s)• Grease chassis• SOS sample• Drain primary air tank• Wash & test engine
• Transmissions and differential fluid level• Power steering fluid level• Radiator coolant level and concentrations• Belts and coolant hoses• Wheel seal leakage• U joints, batteries and connections
PREVENTATIVE MAINTENANCE MUST INCLUDE:SERVICE OF: INSPECTION OF:
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
7
TOROMONT SPECIAL PRICE OF $1,249.00PROGRAM ID: FOC-ENG-3348
ENGINE SERVICE, CONDITIONAND PERFORMANCE
INSPECTION
*** Receive a $100.00 Toromont Loyalty Card to be used for Future Visits! ***
PLEASE CONTACT YOUR LOCAL TOROMONT CAT BRANCH TODAY TO BOOK YOUR TRUCK IN!
Offer Valid Thru December 31, 2018
• Adjust Intake, Exhaust and VVA's Valves
• Change Coolant Filter
• Change Engine Oil
• Check all Fluid Levels
• Check Antifreeze Strength
• Check Clutch Adjustment
• Check Coolant PH Level
• Check Cruise Switch Operation
• Check Engine Brake Operation
• Check for ECM Fault Codes
• Check Fuel pressure
• Check Oil Pressure
• Check Temperature Operation
• Check Wastegate Operation
• Download Engine ECM
• Drain Primary Air Tank
• Flash to Latest Software
• Grease Chassis
• Inspect Air filter
• Inspect Ataac Core
• Inspect Battery Terminals
• Inspect Belts
• Inspect Camshaft and Followers
• Inspect Driveline
• Inspect Exhaust system
• Inspect Fan Clutch
• Inspect for Air Leaks
• Inspect for Differential Leaks
• Inspect for Fuel leaks
• Inspect for Oil Leaks
• Inspect for Transmission Leaks
• Inspect Hoses
• Inspect Light Operation
• Inspect Radiator Condition
• Inspect Suspension
• Inspect Turbo(s)
• Inspect U-Joints
• Inspect Valve and Injector Springs
• Inspect VVA Housings
• Inspect Wheels Seals
• Inspect Wipers and Operation
• Perform Cylinder Cutout test
• Perform VVA Response Test
• Pressure Test Ataac Core
• Pressure Test Boost Sensor
• Pressure Test Cooling System
• Replace Oil Filter
• Replace Primary Fuel Filter
• Replace Secondary Fuel Filter
• Take Oil Sample (SOS)
8APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16 Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
PROGRAM DETAILS:
PROGRAM ID: OTO-MLP-4658
PRODUCT SUPPORT PROGRAM
CAT FINANCINGSPECIALS
• 6 Months, no payments, 0%• 12 Months equal payments, 0%• 18 Months equal payments, 2.9%• All rates 100% subsidized by Cat *Can combine with other Programs• Effective 01 January, 2018 – 30 June, 2018
Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
2018
TRU
CK E
NG
INE
FIRM
PRI
CIN
G
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
9
BUY
3 YEA
RS, G
ET TH
E 4TH
YEAR
SEE P
AGE 2
FOR
DETA
ILSFR
EE
!FR
EE
!
10APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16 Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
BUY
3 YEA
RS, G
ET TH
E 4TH
YEAR
SEE P
AGE 1
FOR
DETA
ILSFR
EE
!FR
EE
!
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
11
QUALIFY FOR A
DISCOUNTON 4 YEARS OPT
See pages 3-4for details
12APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16 Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
13
NOTES
14APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16 Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
APPLY FOR YOUR CAT COMMERCIAL ACCOUNT TODAY TO EASE THE BURDEN OF UP FRONT TRUCK REPAIRS.SEE APPLICATION ON PAGE 16Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
15
FAQSQUESTION: What is the difference between Warranty Coverage on the Precious Metal Kits, Component Plus, and an Overhaul?
ANSWER: All of Cat parts come with a 1 year warranty that can be extended out to 4 years that covers a replacement part or contents of a Precious Metal Kit. OPT covers parts, labour and consequential damage for all parts replaced and inspected as per OPT guidelines for up to 4 years of coverage.
QUESTION: Is there a mileage or hour limitations on precious metal kit, component plusor OPT warranties?
ANSWER: There are no mileage or hour limitations on these warranties.
QUESTION: Can the Cat Commercial Card be used for any parts or service purchases?
ANSWER: Yes, up to the approved credit limited on the account.
QUESTION: Who should I contact regarding pricing on any of these Parts/Services/Warranties?
ANSWER: Contact your Local Toromont Truck Service Branch, on the inside back page, or the Product Support Reps on the inside front page of this booklet.
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f CFC
A, a
ny c
redi
t bur
eau,
an
y cr
edit
repo
rtin
g ag
ency
, any
ref
eren
ce A
pplic
ant h
as p
rovi
ded
in th
is a
pplic
atio
n an
d fr
om o
ther
par
ties w
ith w
hom
the A
pplic
ant h
as h
ad a
fi na
ncia
l or
cred
it re
latio
nshi
p (c
olle
ctiv
ely,
the
info
rmat
ion
obta
ined
from
the
abov
e pa
rtie
s and
from
the A
pplic
ant i
n co
nnec
tion
with
this
app
licat
ion
is r
efer
red
to a
s the
“In
form
atio
n”).
The
und
ersi
gned
con
sent
s, ef
fect
ive
the
date
indi
cate
d on
the
last
pag
e of
this
doc
umen
t pac
kage
, to
the
disc
losu
re
of th
e In
form
atio
n by
such
par
ties t
o C
FCA
and
by
CFC
A to
such
par
ties a
nd th
is c
onse
nt sh
all r
emai
n ef
fect
ive
so lo
ng a
s App
lican
t and
CFC
A h
ave
an o
ngoi
ng r
elat
ions
hip.
CFC
A m
ay a
lso
use
and
disc
lose
Info
rmat
ion
for
the
purp
oses
of v
erify
ing
and
eval
uatin
g th
is a
pplic
atio
n, th
e In
form
atio
n, a
nd th
e id
entit
y an
d cr
editw
orth
ines
s of t
he u
nder
sign
ed.
Soci
al In
sura
nce
Num
bers
, bir
th d
ates
and
oth
er p
erso
nal i
dent
ifi er
s, if
prov
ided
, may
be
used
for
iden
tity
verifi c
atio
n, in
clud
ing
mat
chin
g cr
edit
reco
rds a
nd c
heck
ing
iden
titie
s aga
inst
wat
ch li
sts e
stab
lishe
d by
reg
ulat
ory
agen
cies
and
sim
ilar
bodi
es in
Can
ada
and
fore
ign
coun
trie
s. T
he u
nder
sign
ed c
onse
nts
to th
e co
llect
ion,
use
and
dis
clos
ure
of In
form
atio
n as
des
crib
ed a
bove
and
bel
ow, a
nd a
s fur
ther
des
crib
ed in
any
fi na
ncin
g ag
reem
ents
or
othe
r ag
reem
ents
res
ultin
g fr
om th
is a
pplic
atio
n or
in th
e C
FCA
Can
adia
n Pr
ivac
y
St
atem
ent a
vaila
ble
at h
ttp:
//cafi
nan
ce.c
at.c
om/c
omm
erci
alac
coun
t.
By
its si
gnat
ure
here
to, t
he p
erso
n si
gnin
g on
beh
alf o
f App
lican
t confi r
ms a
nd a
ckno
wle
dges
that
he/
s has
read
the A
pplic
atio
n an
d th
e C
usto
mer
Agr
eem
ent a
nd th
at, o
n be
half
of th
e App
lican
t, th
ey a
gree
to th
e te
rms a
nd c
ondi
tions
of
each
and
furth
er a
gres
s to
be b
ound
ther
eby.
Sign
atur
e___
____
____
____
____
____
____
____
____
____
____
____
____
_ P
rint N
ame
____
____
____
____
____
____
____
____
____
____
___
Titl
e __
____
____
____
____
____
____
____
____
_
(For
offi
ce u
se o
nly)
C
FCA
has
acc
epte
d A
pplic
ant’s
App
licat
ion
on a
nd th
is A
gree
men
t is d
ated
and
effe
ctiv
e as
of _
____
____
____
____
____
____
____
___.
Sect
ion
2 C
omm
eric
al A
ccou
nt In
form
atio
n
Sect
ion
3 B
usin
ess F
inan
cial
Info
rmat
ion
Sect
ion
4 C
ompa
ny R
efer
ence
s
Sect
ion
6 A
pplic
atio
n Te
rms a
nd C
ondi
tions
Sect
ion
1 G
ener
al In
form
atio
n
Sect
ion
5 Pe
rson
al In
form
atio
n on
Ow
ners
/ G
uara
ntor
s ( A
ttach
add
ition
al sh
eets
if n
eces
sary
)
Subm
it yo
ur c
redi
t app
licat
ion
for a
ppro
val b
y fa
x to
: 615
-341
-592
5
Financial
AUTHORIZED CARDHOLDERPROJECT NAME/COMPANY1234 5678 9012 3456
Commercial Account
“I HAVEACCESS.”
Financial
COMMERCIAL ACCOUNT
• Competitive Rates
• Flexible Terms
• Online Access 24/7
• Detailed Monthly Statements
CAT FINANCIALYou will also have access to
ranging from Machine Rebuild & Undercarriage replacement to Marine engine overhauls and On-Highway Truck engine support. Contact your local Toromont Cat branch for more details and other offers through Cat Financial Commercial Account.
SPECIAL 0% FINANCING DEALS
OPEN AN ACCOUNTTODAY!
WEB: cafinance.cat.com/commercialaccount
PHONE: 1-866-686-5024
“I HAVE PEACE OF MIND.”Whether you’re a large contractor, or an individual owner-operator, you will enjoy the convenience of one statement and one account with your Commercial Account.
“I HAVE ACCESS.”Commercial Account is accepted at participating Cat Dealers and Cat Rental stores throughout Canada. To locate participating Canadian Cat Dealers, please visit our website below.
“I HAVE KNOWLEDGE.”With your Cat Financial Commercial Account, you can conveniently make a minimum monthly payment of 10% on all your parts and service purchases.
You can also use it to pay for rentals, which are due in full the following month. Enjoy a best-in-class interest rate on your revolving balance. If the balance is paid in full each month, there is no finance charge.
You receive one easy to ready monthly statement that has all the detail you need, allowing you to track account activity by Cat® Dealer or Cat Rental Store.
CFC
A a
lso
may
col
lect
and
use
you
r cre
dit, fi n
anci
al a
nd re
late
d pe
rson
al in
form
atio
n fr
om ti
me
to ti
me
for t
he p
urpo
ses o
f: (i)
ope
ning
, adm
inis
terin
g, se
rvic
ing,
col
lect
ing
and
enfo
rcin
g yo
ur a
ccou
nt; (
ii) p
rovi
ding
pro
duct
s and
serv
ices
yo
u ha
ve re
ques
ted
from
CFC
A o
r any
of i
ts a
ffi lia
tes;
and
(iii)
com
mun
icat
ing
with
you
for t
he fo
rego
ing
purp
oses
.
Soci
al In
sura
nce
Num
bers
or o
ther
per
sona
l ide
nti fi
catio
n m
ay a
lso
be u
sed
by C
FCA
for t
he p
urpo
ses o
f mee
ting
lega
l, re
gula
tory
, aud
it, p
roce
ssin
g an
d se
curit
y pu
rpos
es (i
nclu
ding
frau
d pr
even
tion)
, and
as o
ther
wis
e pe
rmitt
ed o
r req
uire
d by
law
(inc
ludi
ng b
y fo
reig
n la
ws a
pplic
able
to C
FCA
) and
the
CFC
A C
anad
ian
Priv
acy
Stat
emen
t.
For t
he a
bove
pur
pose
s and
for p
rovi
ding
cre
dit i
nfor
mat
ion
to p
oten
tial c
redi
tors
, CFC
A m
ay d
iscl
ose
cred
it, fi
nanc
ial a
nd re
late
d pe
rson
al in
form
atio
n fr
om ti
me
to ti
me
to, a
nd c
olle
ct su
ch in
form
atio
n, fr
om: (
i) C
FCA’
s res
pect
ive
affi l
iate
s, ag
ents
and
repr
esen
tativ
es; (
ii) c
redi
t bur
eaus
and
repo
rting
age
ncie
s; (i
ii) C
ater
pilla
r dea
lers
and
bus
ines
ses a
nd fi
nanc
ial i
nstit
utio
ns w
ith w
hom
you
hav
e ha
d or
may
hav
e a fi n
anci
al re
latio
nshi
p; (i
v) th
e re
fere
nces
you
hav
e pr
ovid
ed; a
nd (v
) in
conn
ectio
n w
ith th
e co
ntem
plat
ed o
r act
ual fi
nan
cing
, ins
urin
g, se
curit
izat
ion,
sale
, ass
ignm
ent o
r oth
er d
ispo
sal o
f all
or p
art o
f CFC
A’s b
usin
ess o
r ass
ets (
incl
udin
g, w
ithou
t lim
itatio
n, a
ssig
nmen
t of y
our o
blig
atio
ns to
an
y C
ater
pilla
r dea
ler,
CFC
A a
ffi lia
te o
r an
y fi n
anci
al in
stitu
tion)
, inc
ludi
ng fo
r the
pur
pose
s of:
(a) d
eter
min
ing
whe
ther
to p
roce
ed o
r con
tinue
with
such
tran
sact
ion
or b
usin
ess r
elat
ions
hip;
(b) f
ulfi l
ling
any
repo
rting
or a
udit
requ
irem
ents
to
such
par
ties;
and
(c) t
he u
se a
nd d
iscl
osur
e of
per
sona
l inf
orm
atio
n by
such
par
ties f
or su
bsta
ntia
lly th
e sa
me
purp
oses
as d
escr
ibed
her
ein.
You
con
sent
to th
e di
sclo
sure
of s
uch
info
rmat
ion
by a
nd b
etw
een
thes
e pa
rties
and
CFC
A.
CFC
A m
ay u
se a
gent
s and
serv
ice
prov
ider
s to
colle
ct, u
se o
r pro
cess
per
sona
l inf
orm
atio
n on
its b
ehal
f, in
clud
ing
in ju
risdi
ctio
ns o
utsi
de o
f Can
ada.
In a
dditi
on, i
f you
con
sent
bel
ow, C
FCA
may
use
you
r acc
ount
and
rela
ted
pers
onal
info
rmat
ion
(incl
udin
g yo
ur p
aym
ent h
isto
ry) f
rom
tim
e to
tim
e or
dis
clos
e su
ch p
erso
nal i
nfor
mat
ion
to it
s affi
liate
s in
orde
r to
be a
ble
to a
ntic
ipat
e an
d se
rvic
e yo
ur fu
ture
nee
ds a
nd o
ffer a
dditi
onal
pro
duct
s or fi
nan
cing
opp
ortu
nitie
s. In
divi
dual
s may
with
draw
con
sent
for t
his p
urpo
se b
y co
ntac
ting
CFC
A a
t Cat
Fin
anci
al C
omm
erci
al A
ccou
nt, a
ttent
ion:
“C
usto
mer
Ser
vice
”, 2
120
Wes
t End
Av
enue
, Nas
hvill
e, T
N 3
7203
. Ind
ivid
ual a
pplic
ants
: c
heck
her
e if
you
do n
ot w
ant t
o re
ceiv
e pe
riodi
c in
form
atio
n ab
out a
dditi
onal
pro
duct
s and
fi na
ncin
g op
portu
nitie
s.
CFC
A e
mpl
oyee
s and
age
nts t
hat n
eed
acce
ss to
you
r per
sona
l inf
orm
atio
n to
fulfi
ll th
eir j
ob re
quire
men
ts w
ill h
ave
acce
ss to
you
r fi le
, whi
ch w
ill b
e ac
cess
ible
at 2
120
Wes
t End
Ave
nue,
Nas
hvill
e, T
N 3
7203
. Yo
u m
ay re
ques
t acc
ess t
o or
co
rrec
tion
of p
erso
nal i
nfor
mat
ion
in C
FCA’
s pos
sess
ion
by w
ritin
g to
the
abov
e ad
dres
s, at
tent
ion
“Cus
tom
er S
ervi
ce”.
The
fact
that
this
app
licat
ion
cont
ains
refe
renc
e to
“am
ount
of c
redi
t app
lied
for”
shal
l not
be
deem
ed a
lim
itatio
n of
liab
ility
by
App
lican
t. A
pplic
ant a
ckno
wle
dges
, agr
ees a
nd u
nder
stan
ds th
at C
FCA
may
, in
its so
le d
iscr
etio
n, re
fuse
to
exte
nd c
redi
t to
App
lican
t in
conn
ectio
n w
ith a
ny c
redi
t tra
nsac
tion.
Sect
ion
7 be
low
is th
e di
sclo
sure
stat
emen
t tha
t out
lines
man
y of
the
impo
rtant
pro
visi
ons o
f the
atta
ched
cus
tom
er a
gree
men
t. A
pplic
ant m
ay a
lso
call
1-86
6-68
6-50
24 fo
r suc
h in
form
atio
n M
onda
y th
roug
h Fr
iday
(exc
ept f
or h
olid
ays)
du
ring
the
hour
s of 7
:00
AM
to 1
0:00
PM
(EST
).
This
state
men
t set
s out
you
r cos
t of c
redi
t. A
ll ca
pita
lized
term
s use
d be
low
and
not o
ther
wise
defi
ned
will
hav
e th
e sa
me
mea
ning
as s
et o
ut in
the
custo
mer
agr
eem
ent.
Thi
s sta
tem
ent f
orm
s par
t of y
our c
usto
mer
agr
eem
ent.
Dat
e In
tere
st S
tart
s to
Acc
rue:
Int
eres
t will
be
char
ged
on a
ll Pu
rcha
se T
rans
actio
ns a
nd B
alan
ce T
rans
fers
from
the
post
ing
date
if y
ou d
o no
t pay
you
r Sta
tem
ent b
alan
ce in
full
each
mon
th.
Min
imum
Per
iodi
c Pa
ymen
t: Y
our m
inim
um p
erio
dic
paym
ent o
n yo
ur A
ccou
nt is
due
mon
thly
, on
the
due
date
of y
our S
tate
men
t and
is th
e gr
eate
r of (
i) an
y pa
st d
ue a
mou
nt, p
lus t
he fu
ll va
lue
of a
ll ne
w R
enta
l Tra
nsac
tions
plu
s 10%
of
new
Pur
chas
e Tr
ansa
ctio
ns (i
nclu
ding
Fin
ance
Cha
rges
); or
(ii)
$100
(if B
alan
ce is
less
than
$10
0, th
e m
inim
um p
aym
ent s
hall
be th
e B
alan
ce).
Initi
al A
nnua
l Int
eres
t Rat
e/C
ost o
f Bor
row
ing
expr
esse
d as
an
annu
al p
erce
ntag
e ra
te:
11.0
0 %
, whi
ch is
Tor
onto
Dom
inio
n B
ank
Prim
e (a
s of N
ovem
ber 1
1, 2
011)
, 3.0
0% p
lus 8
%.
We
do n
ot c
ompo
und
inte
rest
.
Met
hod
for
dete
rmin
ing
Ann
ual I
nter
est R
ate:
The
Ann
ual I
nter
est R
ate
is T
he T
oron
to D
omin
ion
Ban
k Pr
ime
Rat
e (th
e “I
ndex
Rat
e”) p
lus 8
%.
The
Inde
x R
ate
is p
ublis
hed
at h
ttp://
ww
w.td
cana
datru
st.c
om/N
umbe
rs/p
rime.
jsp.
The
In
dex
Rat
e fo
r any
giv
en m
onth
is se
t on
the
15th
day
of t
he p
rior c
alen
dar m
onth
.
Sam
ple
Inte
rest
Cal
cula
tions
: Fo
r any
30-
day
mon
th in
whi
ch th
e av
erag
e da
ily b
alan
ce (“
ABD
”) is
$50
0, o
r $10
00, fi
nan
ce c
harg
es b
ased
on
an sa
mpl
e an
nual
inte
rest
rate
of 1
1.25
%, a
re $
4.62
, $8.
42 re
spec
tivel
y. F
or a
ny 3
0-da
y m
onth
in
whi
ch th
e AD
B is
$50
0.00
or $
1,00
0.00
, fi n
ance
cha
rges
bas
ed o
n a
sam
ple
annu
al in
tere
st ra
te o
f 15.
25%
, are
$6.
27, $
12.5
3 re
spec
tivel
y.
Man
ner
of C
alcu
latin
g th
e C
ost o
f Bor
row
ing:
The
cos
t of b
orro
win
g in
resp
ect o
f a p
erio
d sh
all b
e ca
lcul
ated
by
mul
tiply
ing
the
porti
on o
f the
ann
ual i
nter
est r
ate
that
the
perio
d is
of o
ne y
ear b
y th
e pr
inci
pal a
mou
nt o
utst
andi
ng a
t the
en
d of
the
perio
d. Y
ou c
an a
void
fi na
nce
char
ges b
y en
surin
g th
at w
e al
way
s rec
eive
pay
men
t in
full
of y
our b
alan
ce e
very
mon
th b
y th
e Pa
ymen
t Due
Dat
e.
Non
Inte
rest
Fin
ance
Cha
rges
/Def
ault
Cha
rges
:
1.5%
late
pay
men
t fee
of R
enta
l Tra
nsac
tion
(whe
re p
erm
itted
by
law
).
1.5%
late
pay
men
t fee
of P
urch
ase
Tran
sact
ion
(whe
re p
erm
itted
by
law
).
Ret
urne
d C
hequ
e or
oth
er re
turn
ed it
em fe
e: $
25
Upo
n de
faul
t, th
e an
nual
inte
rest
rate
may
be
incr
ease
d to
the
Inde
x R
ate
plus
12%
per
ann
um.
Gra
ce P
erio
ds o
n In
tere
st: 3
0 da
ys o
n ne
w P
urch
ase
Tran
sact
ions
and
Bal
ance
Tra
nsfe
rs so
long
as y
ou p
ay th
e en
tire
bala
nce
by th
e D
ue D
ate
of y
our m
onth
ly S
tate
men
t.
Stat
emen
ts:
We
will
send
you
a st
atem
ent f
or e
ach
mon
th d
urin
g w
hich
ther
e is
any
act
ivity
or b
alan
ce o
n yo
ur A
ccou
nt.
Acc
ount
Inqu
irie
s: Y
ou m
ay c
all o
ur to
ll fr
ee n
umbe
r 1-8
66-6
86-5
024
Mon
day
thro
ugh
Frid
ay (e
xcep
t on
holid
ays)
dur
ing
the
hour
s of 7
:00
a.m
. to
10:0
0 p.
m. (
EST)
.
Paym
ent D
etai
ls, in
clud
ing
Inte
rest
Cha
rges
and
Oth
er C
harg
es: R
efer
to S
ectio
ns 5
and
6 o
f the
atta
ched
cus
tom
er a
gree
men
t.
Prep
aym
ent:
You
may
pre
pay
the
full
outs
tand
ing
bala
nce
unde
r you
r Acc
ount
at a
ny ti
me
with
out a
ny p
repa
ymen
t cha
rge
or p
enal
ty.
Des
crip
tion
of G
oods
Fin
ance
d: If
we
inte
nd to
regi
ster
a se
curit
y in
tere
st in
any
goo
ds a
cqui
red
with
cre
dit m
ade
avai
labl
e by
the A
ccou
nt, w
e w
ill d
eliv
er to
you
pro
mpt
ly a
fi na
ncin
g or
oth
er st
atem
ent c
onta
inin
g a
desc
riptio
n of
the
sam
e.
Spec
ial P
rom
otio
ns:
From
tim
e to
tim
e sp
ecia
l fi n
anci
ng te
rms m
ay b
e av
aila
ble
for t
he p
urch
ase
of c
erta
in it
ems f
rom
Dea
lers
. Th
ese
spec
ial t
erm
s will
be
disc
lose
d at
the
time
of p
urch
ase.
Cat
Fin
anci
al C
omm
erci
al A
ccou
nt C
orpo
ratio
nC
AN
AD
IAN
CU
STO
MER
AG
REE
MEN
T
1. P
artie
s to
Agr
eem
ent a
nd D
efi n
ition
s. In
this
Cus
tom
er A
gree
men
t (th
e “A
gree
men
t”),
“CFC
A”
refe
rs to
Cat
Fin
anci
al C
omm
erci
al A
ccou
nt C
orpo
ratio
n, a
Nev
ada
corp
orat
ion.
“A
ccou
ntho
lder
” re
fers
to th
e le
gal e
ntity
, par
tner
ship
or
indi
vidu
al w
hose
sign
atur
e ap
pear
s bel
ow, a
nd th
e w
ords
you
,you
r and
you
rs m
ean
the A
ccou
ntho
lder
. Th
e w
ords
we,
us a
nd o
ur m
ean
CFC
A o
r any
subs
eque
nt h
olde
r of t
he A
ccou
nt o
r any
bal
ance
s aris
ing
unde
r the
Acc
ount
. “A
ccou
nt”
mea
ns y
our c
redi
t acc
ount
with
us.
“A
ccou
ntBa
lanc
e” re
fers
to th
e ou
tsta
ndin
g ba
lanc
e on
you
r Acc
ount
at a
ny g
iven
tim
e an
d is
the
amou
nt o
n w
hich
you
r Fin
ance
Cha
rge
and
min
imum
pay
men
t sho
wn
on y
our S
tate
men
t are
ca
lcul
ated
. “B
illin
gC
ycle
” m
eans
the
perio
d of
tim
e co
vere
d by
one
Sta
tem
ent.
“D
eale
r” re
fers
to a
ny m
erch
ant i
n C
anad
a th
at is
aut
horiz
ed b
y C
FCA
to a
ccep
t the
Acc
ount
as a
met
hod
of p
aym
ent.
“Fin
ance
Cha
rges
” re
fers
to in
tere
st
and
any
othe
r cre
dit c
harg
es.
“Sta
tem
ent”
refe
rs to
the
billi
ng st
atem
ent t
hat y
ou w
ill re
ceiv
e m
onth
ly fo
r eac
h m
onth
dur
ing
whi
ch th
ere
is a
ny a
ctiv
ity o
r bal
ance
on
your
Acc
ount
.
2. C
onte
nts a
nd E
ffect
iven
ess o
f Agr
eem
ent.
This
Agr
eem
ent g
over
ns th
e Acc
ount
. Th
is A
gree
men
t inc
orpo
rate
s you
r App
licat
ion
for C
omm
erci
al F
inan
cing
(the
“A
pplic
atio
n”),
the
Dis
clos
ure
Stat
emen
t, an
d th
e ot
her d
ocum
ents
that
ar
e at
tach
ed h
eret
o or
are
refe
rred
to h
erei
n. T
his A
gree
men
t sha
ll no
t be
effe
ctiv
e un
til w
e ap
prov
e th
e App
licat
ion
at o
ur o
ffi ce
s in
Nas
hvill
e, T
enne
ssee
or s
uch
othe
r loc
atio
n th
at w
e m
ay d
esig
nate
from
tim
e to
tim
e.
3. T
ypes
of T
rans
actio
ns. Y
ou m
ay u
se y
our A
ccou
nt to
obt
ain
cred
it fo
r the
follo
win
g ty
pes o
f com
mer
cial
tran
sact
ions
, eac
h of
whi
ch w
ill b
e ad
ded
to th
e Acc
ount
Bal
ance
that
you
agr
ee to
repa
y to
us:
(a) P
urch
ase
Tran
sact
ions
. You
cha
rge
to th
e Acc
ount
the
cost
of g
oods
and
serv
ices
you
pur
chas
e fr
om a
Dea
ler (
a “P
urch
ase
Tran
sact
ion”
).
(b) R
enta
ls Tr
ansa
ctio
ns. Y
ou c
harg
e to
the A
ccou
nt th
e co
st o
f you
r ren
tal o
f equ
ipm
ent f
rom
a D
eale
r and
any
rela
ted
char
ges (
a “R
enta
l Tra
nsac
tion”
). R
enta
l Tra
nsac
tions
mus
t be
paid
in fu
ll ea
ch m
onth
by
the
Due
Dat
e
(a
s defi
ned
bel
ow) a
nd c
anno
t be
defe
rred
or “
revo
lved
” to
a fu
ture
pay
men
t dat
e. R
enta
l Tra
nsac
tions
are
diff
eren
t fro
m P
urch
ase
Tran
sact
ions
and
Bal
ance
Tra
nsfe
rs (a
s defi
ned
bel
ow) i
n th
is re
spec
t.
(c) B
alan
ce T
rans
fers
. In
the
even
t the
cur
rent
bal
ance
on
an e
xist
ing
open
acc
ount
with
a D
eale
r is t
rans
ferr
ed to
you
r Acc
ount
(a “
Bala
nce
Tran
sfer
”), s
uch
Bal
ance
Tra
nsfe
r sha
ll be
subj
ect t
o th
e sa
me
Fina
nce
Cha
rges
,
paym
ent t
erm
s, an
d ot
her t
erm
s and
con
ditio
ns o
f thi
s Agr
eem
ent t
hat a
pply
to P
urch
ase
Tran
sact
ions
exc
ept w
here
indi
cate
d ot
herw
ise.
(d) S
peci
al P
rom
otio
ns.
From
tim
e to
tim
e sp
ecia
l fi n
anci
ng te
rms (
such
as e
xten
ded
inte
rest
free
per
iods
, inc
entiv
e in
tere
st ra
tes f
or c
erta
in p
urch
ases
or r
enta
ls o
r oth
er li
mite
d tim
e sp
ecia
l pro
mot
ions
) may
be
avai
labl
e
for t
he p
urch
ase
or re
nt o
f cer
tain
item
s fro
m D
eale
rs.
Thes
e sp
ecia
l ter
ms w
ill b
e di
sclo
sed
at th
e tim
e of
pur
chas
e. P
urch
ase
Tran
sact
ions
you
mak
e du
ring
thes
e sp
ecia
l pro
mot
ions
will
be
sepa
rate
ly id
entifi
ed
on th
e
Stat
emen
t and
will
bec
ome
part
of th
e Acc
ount
Bal
ance
. If
you
r Pur
chas
e Tr
ansa
ctio
n is
defi
ned
as a
Pro
mot
iona
l Ins
tallm
ent P
urch
ase
(eac
h be
ing
an “
Inst
allm
ent”
) the
Fin
ance
Cha
rge
is c
alcu
late
d on
the
endi
ng A
ccou
nt
B
alan
ce fo
r tha
t Bill
ing
Cyc
le, a
nd is
not
cal
cula
ted
on th
e av
erag
e da
ily b
alan
ce m
etho
d.
4. L
imita
tions
on
Use
; Gen
eral
Com
me r
cial
Acc
ount
.
(a) C
omm
erci
al U
se O
nly.
EA
CH
TIM
E Y
OU
OR
AN
Y A
UTH
OR
IZED
USE
R U
SES
THE
AC
CO
UN
T, Y
OU
AG
REE
TH
AT T
HE
TRA
NSA
CTI
ON
IS F
OR
A B
USI
NES
S PU
RPO
SE A
ND
NO
T FO
R
PE
RSO
NA
L, F
AM
ILY
OR
HO
USE
HO
LD P
UR
POSE
S.
(b) C
redi
t Lim
it. Y
our A
ccou
nt h
as a
cre
dit l
imit
show
n on
the
Stat
emen
t. Y
ou a
gree
not
to a
llow
you
r Acc
ount
Bal
ance
to e
xcee
d th
e am
ount
of t
he c
redi
t lim
it. W
here
per
mitt
ed b
y la
w w
e m
ay c
hang
e yo
ur c
redi
t lim
it at
an
y tim
e.
(c) A
utho
riza
tions
. A
ll tra
nsac
tions
requ
ire o
ur p
rior a
utho
rizat
ion.
We
may
den
y au
thor
izat
ion
if yo
u ar
e in
def
ault
here
unde
r or f
or o
ther
reas
ons.
We
are
not l
iabl
e fo
r any
failu
re to
aut
horiz
e a
trans
actio
n. I
f, in
our
sole
disc
retio
n, w
e au
thor
ize
a tra
nsac
tion
that
cau
ses y
ou to
exc
eed
your
cre
dit l
imit,
you
rem
ain
liabl
e fo
r all
char
ges i
ncur
red
in c
onne
ctio
n w
ith su
ch tr
ansa
ctio
n.
5. R
ates
; Var
iabl
e R
ate
Info
rmat
ion.
Fin
ance
Cha
rges
on
your
Acc
ount
Bal
ance
will
be
calc
ulat
ed u
sing
var
iabl
e ra
tes t
hat a
re d
eter
min
ed b
y us
ing
an in
dex
rate
(“In
dex
Rat
e”) a
nd a
ddin
g th
at ra
te to
a M
argi
n (a
s defi
ned
bel
ow) t
o ar
rive
at th
e Ann
ual I
nter
est R
ate
(“A
IR”)
. T
he In
dex
Rat
e is
a v
aria
ble
rate
of i
nter
est p
er a
nnum
, equ
al to
the
rate
of i
nter
est d
eter
min
ed b
y th
e To
ront
o-D
omin
ion
Ban
k as
its p
rime
rate
for C
anad
ian
Dol
lar l
oans
as p
ublis
hed
on h
ttp://
ww
w.td
cana
datru
st.c
om/N
umbe
rs/p
rime.
jsp
or i
n an
y su
cces
sor w
ebsi
te o
r pub
licat
ion.
The
Inde
x R
ate
is se
t as o
f the
15t
h da
y of
the
prio
r cal
enda
r mon
th (t
he “
Inde
x D
ate”
). If
the
15th
day
falls
on
a Sa
turd
ay, S
unda
y or
hol
iday
, th
e In
dex
Rat
e w
ill b
e se
t on
the
next
bus
ines
s day
. The
Inde
x R
ate
does
not
nec
essa
rily
repr
esen
t the
low
est p
rime
rate
ava
ilabl
e in
Can
ada.
The
rate
s of i
nter
est u
nder
this
Agr
eem
ent a
re n
omin
al ra
tes,
and
not e
ffect
ive
rate
s or y
ield
s. Th
ein
ter e
st r
ate
paya
ble
here
unde
r is
a va
riab
le r
ate
and
ther
efor
e th
ere
may
be
freq
uent
cha
nges
in th
e co
st o
f bor
row
ing.
AIR
will
incr
ease
if th
e In
dex
Rat
e in
crea
ses o
r de
crea
se if
the
Inde
x R
ate
decr
ease
s. Th
e ch
ange
s to
thes
e va
riabl
e ra
tes w
ill b
ecom
e ef
fect
ive
on th
e fi r
st d
ay o
f you
r Bill
ing
Cyc
le th
at e
nds i
n th
e ca
lend
ar m
onth
follo
win
g th
e In
dex
Dat
e on
whi
ch su
ch c
hang
e oc
curs
. Th
e M
argi
n th
at w
ill b
e ad
ded
to y
our I
ndex
Rat
e to
cre
ate
the A
IR w
ill
be 8
.0%
per
ann
um (t
he “
Mar
gin”
). B
oth
you
and
we
inte
nd to
con
form
stric
tly to
app
licab
le u
sury
law
s. A
ccor
ding
ly, b
oth
parti
es a
gree
that
, not
with
stan
ding
any
thin
g to
the
cont
rary
her
ein,
the
sum
of a
ll co
nsid
erat
ion
that
con
stitu
tes
inte
rest
und
er a
pplic
able
law
whi
ch is
con
tract
ed fo
r, ch
arge
d, o
r rec
eive
d un
der t
his A
gree
men
t sha
ll un
der n
o ci
rcum
stan
ce e
xcee
d th
e m
axim
um la
wfu
l rat
e of
inte
rest
per
mitt
ed b
y ap
plic
able
law.
Any
exc
ess i
nter
est s
hall
be c
redi
ted
to
you
or, i
f you
r Acc
ount
shal
l hav
e be
en p
aid
in fu
ll, re
fund
ed to
you
.
Sect
ion
7 D
iscl
osur
e St
atem
ent
6. P
erio
dic
Fina
nce
Cha
rge
Cal
cula
tion.
We
calc
ulat
e th
e Fi
nanc
e Ch
arge
on
your
Sta
tem
ent b
y ta
king
the
aver
age
daily
bal
ance
(“A
DB”
) tim
es th
e nu
mbe
r of c
alen
dar d
ays i
n th
e Bi
lling
Cyc
le ti
mes
the
daily
per
iodi
c ra
te (“
DPR
”).
AD
B is
dete
rmin
ed b
y ad
ding
eac
h da
ily b
alan
ce (b
eing
the
owin
g un
der t
he A
ccou
nt a
s of t
he e
nd o
f any
day
) sub
ject
to th
e Fi
nanc
e Ch
arge
and
div
idin
g th
e su
m th
ereo
f by
the
num
ber o
f cal
enda
r day
s in
the
Billi
ng C
ycle
. DPR
is th
e
corre
spon
ding
AIR
div
ided
by
365
days
. We
do n
ot d
aily
com
poun
d Fi
nanc
e Ch
arge
s and
do
not a
sses
s Fin
ance
Cha
rges
on
Fina
nce
Char
ges.
You
can
avo
id F
inan
ce C
harg
es o
n Pu
rcha
se T
rans
actio
ns a
nd B
alan
ce T
rans
fers
by
ensu
ring
that
we
alw
ays r
ecei
ve p
aym
ent i
n fu
ll of
you
r Acc
ount
Bal
ance
eve
ry m
onth
by
the
due
date
pro
vide
d on
you
r Sta
tem
ent (
“Due
Dat
e”).
If w
e do
not
rece
ive
paym
ent i
n fu
ll of
you
r Acc
ount
Bal
ance
by
the
Due
Dat
e pr
ovid
ed o
n yo
ur
curre
nt S
tate
men
t, w
e w
ill th
en c
harg
e a
Fina
nce
Char
ge o
n th
e Pu
rcha
se T
rans
actio
ns fr
om th
e po
sting
dat
e un
til th
at a
mou
nt h
as b
een
paid
in fu
ll. W
hen
we
do n
ot re
ceiv
e pa
ymen
t in
full
of y
our A
ccou
nt B
alan
ce, F
inan
ce C
harg
es o
n Pu
rcha
se T
rans
actio
ns th
at sh
ow o
n th
e cu
rrent
Sta
tem
ent w
ill b
egin
to a
ppea
r on
the
next
Sta
tem
ent,
whi
ch w
ill th
en b
e as
sess
ed re
troac
tivel
y fro
m th
e po
sting
dat
e un
til th
e da
te o
n w
hich
that
am
ount
has
bee
n pa
id in
full.
Onc
e w
e ha
ve
rece
ived
pay
men
t in
full
of th
e Acc
ount
Bal
ance
by
the
Due
Dat
e on
you
r cur
rent
Sta
tem
ent,
any
new
Pur
chas
e Tr
ansa
ctio
ns a
fter t
hat p
aym
ent w
as re
ceiv
ed w
ill n
ot b
e su
bjec
t to
Fina
nce
Char
ges s
o lo
ng a
s we
cont
inue
to re
ceiv
e pa
ymen
t in
full
of y
our A
ccou
nt B
alan
ce e
very
mon
th b
y th
e D
ue D
ate
show
n on
you
r Sta
tem
ent.
7. O
ther
Fee
s and
Cha
rges
. W
e w
ill c
harg
e th
e fo
llow
ing
fees
and
oth
er c
harg
es:
(a) L
ate
Paym
ent F
ees.
Whe
re p
erm
itted
by
law,
(i) a
late
pay
men
t fee
in a
n am
ount
of 1
.5%
of t
he P
urch
ase
Tran
sact
ion
amou
nt o
verd
ue w
ill b
e ch
arge
d to
you
r Acc
ount
if th
e M
inim
um P
aym
ent (
as d
efi n
ed b
elow
) due
is
no
t pai
d by
the
Due
Dat
e an
d (ii
) a
late
pay
men
t fee
of 1
.5%
of t
he to
tal R
enta
l Tra
nsac
tion
bala
nce
will
be
char
ged
to y
our A
ccou
nt if
the
tota
l Ren
tal T
rans
actio
n ba
lanc
e is
not p
aid
by th
e D
ue D
ate.
(b
) Ret
urne
d Pa
ymen
t Fee
. A re
turn
ed p
aym
ent f
ee in
the
amou
nt $
25.0
0 w
ill b
e ch
arge
d to
you
r Acc
ount
for a
ny p
aym
ent y
ou m
ake
to u
s, ei
ther
by
cheq
ue o
r oth
er m
eans
, tha
t is r
etur
ned
to u
s unp
aid
or d
ishon
ored
.
8. A
ccou
ntho
lder
Lia
bilit
y; A
utho
rize
d U
sers
of t
he A
ccou
nt.
Unl
ess y
ou p
rom
ptly
not
ify u
s of y
our b
elie
f tha
t an
erro
r exi
sts, y
ou a
gree
that
the
Stat
emen
t is a
ccur
ate
with
rega
rd to
the
info
rmat
ion
prov
ided
ther
eon.
You
can
not
ify u
s of
the
nam
es o
f the
indi
vidu
als t
hat y
ou w
ish to
be
desig
nate
d as
Aut
horiz
ed U
sers
. Suc
h no
tifi c
atio
n m
ust b
e in
writ
ing.
9. P
rom
ise to
Pay
. You
agr
ee to
repa
y to
us t
he a
mou
nt o
f all
trans
actio
ns, F
inan
ce C
harg
es, a
nd o
ther
fees
and
cha
rges
cha
rged
to y
our A
ccou
nt u
nder
this
Agr
eem
ent.
You
agr
ee to
pay
at l
east
the
Min
imum
Pay
men
t sho
wn
on e
ach
Stat
emen
t by
the
Due
Dat
e. T
he “
Min
imum
Pay
men
t” is
the
grea
ter o
f (i)
any
past
due
amou
nt, p
lus t
he fu
ll am
ount
of a
ll ne
w R
enta
l Tra
nsac
tions
, plu
s 10.
00%
of t
he n
ew P
urch
ase
Tran
sact
ion
bala
nce
incl
udin
g Fi
nanc
e Ch
arge
s or (
ii)
$100
(if y
our A
ccou
nt B
alan
ce is
less
than
$10
0 th
e M
inim
um P
aym
ent s
hall
be th
e Acc
ount
Bal
ance
). E
xcep
t as p
rovi
ded
here
in w
ith re
spec
t to
amou
nts t
hat a
re b
eing
disp
uted
(but
onl
y un
til th
at d
isput
e is
reso
lved
as p
rovi
ded
here
in),
you
agre
e th
at th
e ob
ligat
ions
you
hav
e in
curre
d in
con
nect
ion
with
the A
ccou
nt a
re a
nd sh
all b
e ab
solu
te a
nd u
ncon
ditio
nal a
nd sh
all n
ot b
e af
fect
ed b
y an
y ci
rcum
stanc
es w
hatso
ever
, inc
ludi
ng a
ny ri
ght o
f set
off,
coun
terc
laim
, rec
oupm
ent,
dedu
ctio
n, d
efen
se o
r oth
er ri
ght w
hich
you
may
hav
e ag
ains
t us,
the
Dea
ler o
r the
man
ufac
ture
r of a
ny g
oods
acq
uire
d or
rent
ed b
y yo
u w
ith c
redi
t ext
ende
d by
us,
the
prov
ider
of a
ny se
rvic
es o
btai
ned
by y
ou
with
cre
dit e
xten
ded
by u
s, or
any
one
else
, for
any
reas
on w
hatso
ever
. If
an A
ccou
nt p
aym
ent i
s inv
alid
or m
isapp
lied,
we
will
reve
rse
any
cred
it pr
evio
usly
pro
vide
d fo
r suc
h pa
ymen
t. Y
ou a
re li
able
for a
ll tra
nsac
tions
mad
e by
any
A
utho
rized
Use
r eve
n if
you
did
not a
ppro
ve o
r giv
e au
thor
izat
ion
for a
spec
ifi c
trans
actio
n.
10. F
orm
and
Pla
ce o
f Pay
men
t. A
ll pa
ymen
ts ar
e du
e an
d pa
yabl
e in
Can
adia
n D
olla
rs a
nd m
ust b
e dr
awn
from
fund
s on
depo
sit in
a C
anad
ian
depo
sitor
y fi n
anci
al in
stitu
tion.
We
are
not r
equi
red
to a
ccep
t any
pay
men
t tha
t we
deem
to
requ
ire sp
ecia
l han
dlin
g. Y
ou w
ill se
nd th
e m
onth
ly p
aym
ent t
o th
e pa
ymen
t add
ress
show
n on
you
r Sta
tem
ent.
You
may
not
com
bine
any
pay
men
t on
the A
ccou
nt w
ith a
ny o
ther
pay
men
t due
any
oth
er C
ater
pilla
r ent
ity.
You
may
not
send
pa
ymen
ts to
a D
eale
r. In
the
even
t you
com
bine
a p
aym
ent o
n th
e Acc
ount
with
any
pay
men
t to
anot
her C
ater
pilla
r ent
ity o
r any
Cat
erpi
llar d
eale
r, yo
u au
thor
ize
such
Cat
erpi
llar e
ntity
or D
eale
r to
forw
ard
such
pay
men
t to
us.
11. A
lloca
tion
of P
aym
ents
. U
nles
s pro
hibi
ted
by a
pplic
able
law,
we
appl
y pa
ymen
ts in
the
follo
win
g or
der:
past
due
Fina
nce
Char
ges o
ther
than
with
resp
ect t
o In
stallm
ents,
pas
t due
Ren
tal T
rans
actio
n ba
lanc
es, p
ast d
ue P
urch
ase
T r
ansa
ctio
n ba
lanc
es, p
ast d
ue In
stallm
ent F
inan
ce C
harg
es, p
ast d
ue In
stallm
ents,
cur
rent
Insta
llmen
t Fin
ance
Cha
rges
, cur
rent
Insta
llmen
ts, c
urre
nt F
inan
ce C
harg
es o
ther
than
with
resp
ect t
o In
stallm
ents,
cur
rent
Ren
tal T
rans
actio
n ba
lanc
es, c
urre
nt P
urch
ase
Tran
sact
ion
bala
nces
, Oth
er F
ees a
nd C
harg
es a
nd a
ny o
ther
am
ount
s the
n du
e, a
nd a
ny e
xces
s am
ount
s sha
ll be
app
lied
to u
nsta
tem
ente
d ch
arge
s in
the
orde
r set
forth
her
ein.
Not
with
stand
ing
the
fore
goin
g bu
t su
bjec
t to
appl
icab
le la
w, y
ou a
gree
that
we
may
app
ly p
aym
ents
in a
ny o
rder
and
at o
ur d
iscre
tion
and
we
may
cha
nge
the
orde
r in
whi
ch w
e ap
ply
paym
ents
on y
our A
ccou
nt w
ithou
t not
ice
to y
ou.
12. P
aym
ents
Mar
ked
“Pai
d In
Ful
l”. W
e m
ay a
ccep
t let
ters
, che
ques
or o
ther
type
s of p
aym
ent s
how
ing
“pay
men
t in
full”
or u
sing
othe
r lan
guag
e to
indi
cate
satis
fact
ion
of y
our d
ebt,
with
out w
aivi
ng a
ny o
f our
righ
ts to
rece
ive
full
paym
ent u
nder
this
Agr
eem
ent.
Sat
isfac
tion
of y
our d
ebt f
or le
ss th
an th
e fu
ll am
ount
due
requ
ires a
writ
ten
agre
emen
t sig
ned
by o
ne o
f our
aut
horiz
ed re
pres
enta
tives
.
13.
Cha
nge
of In
form
atio
n. Y
ou w
ill n
otify
us i
n w
ritin
g at
leas
t 30
days
in a
dvan
ce o
f any
cha
nge
in y
our n
ame,
add
ress
or t
elep
hone
num
ber.
If w
e do
not
hav
e a
valid
add
ress
bec
ause
you
faile
d to
send
such
not
ice,
you
are
resp
onsib
le
for o
btai
ning
any
Acc
ount
mat
eria
ls th
at w
e at
tem
pted
to d
eliv
er to
you
r old
add
ress
.
14.
Your
Cre
dit I
nfor
mat
ion.
We
may
per
iodi
cally
revi
ew y
our c
redi
t sta
ndin
g by
obt
aini
ng in
form
atio
n fro
m c
redi
t rep
ortin
g ag
enci
es a
nd o
ther
s con
cern
ing
your
cre
dit h
istor
y. Y
ou w
ill p
rovi
de u
pdat
ed fi
nanc
ial i
nfor
mat
ion
to u
s upo
n ou
r req
uest.
In a
dditi
on, a
s disc
lose
d in
the
appl
icat
ion,
we
may
repo
rt in
form
atio
n ab
out y
ou to
cre
dit r
epor
ting
agen
cies
.
15.
Ret
urn
Polic
y; R
ecur
ring
Tra
nsac
tions
. If a
Dea
ler d
isclo
ses a
pol
icy
such
as “
no re
turn
s”, “
no re
fund
”, “
no re
turn
or c
redi
t with
out r
ecei
pt”,
“as
is”,
“sto
re c
redi
t onl
y”, o
r “al
l sal
es fi
nal”
, you
will
be
boun
d by
that
pol
icy
whe
n yo
u us
e yo
ur A
ccou
nt fo
r Pur
chas
e Tr
ansa
ctio
ns a
nd R
enta
ls Tr
ansa
ctio
ns fr
om th
at D
eale
r. If
you
auth
oriz
e a
Dea
ler t
o ch
arge
you
r Acc
ount
for r
epea
t tra
nsac
tions
, you
mus
t not
ify th
e D
eale
r whe
n yo
u w
ant t
o di
scon
tinue
the
repe
attra
nsac
tions
.
16. D
isput
e Ass
istan
ce. I
f you
disa
gree
with
a tr
ansa
ctio
n on
you
r Sta
tem
ent o
r hav
e a
disp
ute
with
the
Dea
ler a
bout
a tr
ansa
ctio
n, y
ou a
re re
spon
sible
for n
otify
ing
us w
ithin
30
days
from
the
Due
Dat
e of
the fi r
st St
atem
ent o
n w
hich
th
e tra
nsac
tion
appe
ars.
Onc
e yo
u ha
ve n
otifi
ed u
s of t
he d
isput
ed tr
ansa
ctio
n, w
e w
ill e
ither
(a) p
rovi
de y
ou w
ith a
disp
ute
reso
lutio
n fo
rm w
hich
you
mus
t com
plet
e an
d fa
x ba
ck to
us w
ithin
5 d
ays o
f rec
eipt
or (
b) fi
ll ou
t the
disp
ute
reso
lutio
n fo
rm w
ith in
form
atio
n th
at y
ou p
rovi
de to
us o
ver t
he te
leph
one.
We
will
then
forw
ard
the
disp
ute
reso
lutio
n fo
rm to
the
Dea
ler a
nd th
en y
ou m
ust a
ttem
pt to
reso
lve
the
disp
ute
dire
ctly
with
the
Dea
ler.
You
mus
t pro
vide
any
in
form
atio
n re
ason
ably
requ
este
d by
the
Dea
ler o
r us a
nd m
ust c
oope
rate
and
resp
ond
to th
e D
eale
r in
an e
ffort
to re
solv
e th
e di
sput
e. W
e ha
ve th
e rig
ht, b
ut n
ot th
e ob
ligat
ion,
to in
vesti
gate
and
disc
uss t
he m
atte
r with
bot
h pa
rties
with
out
the
pres
ence
of t
he o
ther
par
ty a
nd, a
fter s
uch
inve
stiga
tion,
to m
ake
a de
term
inat
ion
as to
whi
ch o
f the
two
parti
es sh
all b
e re
spon
sible
. In
the
even
t we
dete
rmin
e th
at y
ou a
re re
spon
sible
, you
agr
ee th
at y
ou w
ill p
ay th
e am
ount
of t
he
trans
actio
n an
d Fi
nanc
e Ch
arge
s will
be
calc
ulat
ed o
n th
e di
sput
ed a
mou
nt fr
om th
e da
te th
ey fi
rst a
ppea
red
on a
Sta
tem
ent.
17.
Def
ault.
You
shal
l be
in d
efau
lt he
reun
der (
i) if
you
fail
to m
ake
on th
e da
te d
ue th
ereo
f any
pay
men
t ow
ing
here
unde
r or u
nder
any
loan
agr
eem
ent,
leas
e ag
reem
ent o
r any
oth
er a
gree
men
t with
us o
r any
oth
er C
ater
pilla
r ent
ity;
(ii)
if th
ere
is a
mat
eria
l ina
ccur
acy
in a
ny re
pres
enta
tion
or b
reac
h of
any
war
rant
y by
you
(inc
ludi
ng a
ny fa
lse o
r misl
eadi
ng re
pres
enta
tion
or w
arra
nty)
in a
ny a
gree
men
t bet
wee
n us
and
you
or i
n an
y in
form
atio
n su
pplie
d by
you
to u
s; (ii
i)if
ther
e oc
curs
a d
efau
lt or
ant
icip
ator
y re
pudi
atio
n un
der a
ny g
uara
nty
exec
uted
in c
onne
ctio
n w
ith th
e Acc
ount
; (iv
) up
on th
e co
mm
ence
men
t of a
ny b
ankr
uptc
y, in
solv
ency
, rec
eive
rshi
p or
sim
ilar p
roce
edin
g by
or a
gain
st yo
u or
any
of
your
pro
perti
es o
r bus
ines
s or u
pon
your
failu
re to
pay
you
r deb
ts as
they
bec
ome
due
or u
pon
your
adm
issio
n in
writ
ing
of it
s ina
bilit
y to
pay
the
sam
e; o
r (v
) if y
ou b
reac
h an
y c
oven
ant,
cond
ition
or a
gree
men
t con
tain
ed h
erei
n. U
pon
your
def
ault,
we
shal
l hav
e al
l the
righ
ts an
d re
med
ies a
vaila
ble
to a
cre
dito
r und
er a
pplic
able
law
and
we
may
clo
se y
our A
ccou
nt w
ithou
t not
ice,
and
you
mus
t im
med
iate
ly p
ay y
our u
npai
d A
ccou
nt B
alan
ce. T
o th
e ex
tent
not
pro
hibi
ted
by
law ,
if y
ou a
re in
def
ault,
you
will
pay
our
col
lect
ion
costs
, atto
rney
s’ fe
es (i
nclu
ding
allo
cate
d co
sts fo
r atto
rney
s who
are
em
ploy
ed b
y us
), co
urt c
osts
and
all o
ther
exp
ense
s of e
nfor
cing
our
righ
ts un
der t
his A
gree
men
t. W
here
per
mitt
ed
by la
w , u
pon
a de
faul
t we
may
incr
ease
the A
IR (i
nclu
ding
any
pro
mot
iona
l AIR
) on
your
Acc
ount
Bal
ance
up
to a
Mar
gin
of 1
2.00
% th
at w
ill b
e ad
ded
to y
our I
ndex
Rat
e to
cre
ate
the A
IR th
at w
ill a
pply
to th
e Fi
nanc
e Ch
arge
s on
your
A
ccou
nt.
18.
Clo
sing
Your
Acc
ount
. You
may
clo
se y
our A
ccou
nt to
furth
er c
harg
es b
y no
tifyi
ng u
s in
writ
ing
that
you
r Acc
ount
shou
ld b
e cl
osed
. We
may
clo
se y
our A
ccou
nt o
r sus
pend
you
r cre
dit p
rivile
ges a
t any
tim
e w
ithou
t prio
r not
ice
exce
pt
as re
quire
d by
law.
In
the
even
t you
r Acc
ount
is c
lose
d, y
ou c
ontin
ue to
rem
ain
liabl
e fo
r all
char
ges a
nd a
ny fe
es th
en o
win
g or
any
mad
e in
the
futu
re.
19.
Am
endm
ent o
f thi
s Agr
eem
ent.
Sub
ject
to a
pplic
able
law,
we
may
am
end
this
Agr
eem
ent b
y ch
angi
ng, a
ddin
g or
del
etin
g an
y te
rm, c
ondi
tion,
serv
ice
or fe
atur
e (“
New
Ter
m”)
of y
our A
ccou
nt o
r of t
his A
gree
men
t at a
ny ti
me.
We
will
pro
vide
you
with
not
ice
of th
e N
ew T
erm
and
obt
ain
your
con
sent
ther
eto
to th
e ex
tent
requ
ired
by la
w. U
nles
s we
state
oth
erw
ise, a
ny N
ew T
erm
will
app
ly to
you
r Acc
ount
’s un
paid
Acc
ount
Bal
ance
and
to n
ew a
ctiv
ity o
n yo
ur
Acc
ount
. If
your
con
sent
is n
ot re
quire
d un
der a
pplic
able
law,
any
New
Ter
m w
ill b
ecom
e ef
fect
ive
imm
edia
tely
or a
s oth
erw
ise p
rovi
ded
by la
w, a
lthou
gh y
ou m
ay b
e ab
le to
avo
id a
fee
or c
harg
e by
pay
ing
your
out
stand
ing
Acc
ount
Ba
lanc
e in
full
and
clos
ing
the A
ccou
nt.
20. T
elep
hone
Mon
itori
ng. W
e m
ay li
sten
to a
nd re
cord
tele
phon
e ca
lls b
etw
een
any
of y
our r
epre
sent
ativ
es a
nd u
s or o
ur a
gent
s for
the
purp
ose
of m
onito
ring
and
impr
ovin
g th
e qu
ality
of s
ervi
ce y
ou re
ceiv
e.
21.
Not
ices
. A
ll no
tices
and
oth
er c
omm
unic
atio
ns h
ereu
nder
shal
l be
in w
ritin
g, p
erso
nally
del
iver
ed o
r sen
t by
facs
imile
or c
ertifi
ed
mai
l, re
turn
rece
ipt r
eque
sted,
add
ress
ed to
the
othe
r par
ty a
t the
add
ress
set f
orth
in th
e at
tach
ed c
redi
t ap
plic
atio
n or
at s
uch
othe
r add
ress
pro
vide
d by
such
par
ty fo
r suc
h pu
rpos
e as
such
par
ty sh
all f
rom
tim
e to
tim
e de
signa
te in
writ
ing
to th
e ot
her p
arty
; and
shal
l be
effe
ctiv
e fro
m th
e da
te o
f rec
eipt
. Not
ices
and
oth
er c
omm
unic
atio
ns fr
om
us to
you
may
be
deliv
ered
or f
urni
shed
by
elec
troni
c co
mm
unic
atio
n (in
clud
ing
e-m
ail a
nd In
tern
et w
ebsit
es) a
nd a
ny n
otic
es d
eliv
ered
pur
suan
t to
thos
e pr
oced
ures
shal
l be
deem
ed to
be
com
plia
nt w
ith a
nd e
ffect
ive
with
resp
ect t
o th
is A
gree
men
t.
22. S
ever
abili
ty.
If an
y te
rms o
f thi
s Agr
eem
ent a
re fo
und
to b
e un
enfo
rcea
ble,
all
othe
r pro
visio
ns w
ill re
mai
n in
full
forc
e.
23.
Secu
rity
Inte
rest
. To
secu
re th
e pa
ymen
t and
per
form
ance
of a
ll yo
ur o
blig
atio
ns o
win
g to
us a
nd o
ur a
ffi lia
tes n
ow o
r her
eafte
r exi
sting
, whe
ther
dire
ct o
r ind
irect
, abs
olut
e or
con
tinge
nt, a
nd w
heth
er fo
r prin
cipa
l, in
tere
st, fe
es,
pre
miu
ms,
inde
mnifi c
atio
ns, c
ontra
ct c
ause
s of a
ctio
n, c
osts,
exp
ense
s or o
ther
wise
, you
her
eby
gran
t to
us a
secu
rity
inte
rest
in a
ll go
ods a
cqui
red
with
cre
dit m
ade
avai
labl
e by
the A
ccou
nt o
r with
fund
s adv
ance
d by
us o
r our
affi
liate
s (a
nd th
e pr
ocee
ds th
ereo
f), a
nd to
the
exte
nt th
ose
good
s are
des
crib
ed in
an
invo
ice,
pur
chas
e or
der,
bill
of sa
le o
r oth
er w
ritin
g fr
om a
Dea
ler s
uch
invo
ice,
pur
chas
e or
der,
bill
of sa
le o
r oth
er w
ritin
g is
deem
ed in
corp
orat
ed h
erei
n an
d m
ade
a pa
rt he
reof
. Upo
n ou
r req
uest
you
agre
e to
pro
mpt
ly fo
rwar
d to
us s
uch
invo
ice,
pur
chas
e or
der,
bill
of sa
le o
r oth
er w
ritin
g. I
n th
e ev
ent o
f def
ault
here
unde
r, al
l of y
our c
urre
nt a
nd a
fter a
cqui
red
colla
tera
l use
d to
secu
re
oblig
atio
ns to
any
Cat
erpi
llar e
ntity
shal
l also
secu
re th
e pa
ymen
t and
per
form
ance
of a
ll of
you
r lia
bilit
ies a
nd o
blig
atio
ns to
us,
of e
very
kin
d an
d ch
arac
ter.
You
aut
horiz
e us
to ta
ke a
nd y
ou w
ill a
ssist
us i
n ta
king
, any
mea
sure
s we
deem
ad
visa
ble
in c
onne
ctio
n w
ith se
curin
g an
d/or
per
fect
ing
our i
nter
est i
n su
ch c
olla
tera
l.
24.
Gov
erni
ng L
aw.
Subj
ect t
o th
e ne
xt se
nten
ce, t
his A
gree
men
t sha
ll be
dee
med
per
form
ed in
Ten
ness
ee a
nd g
over
ned
and
cons
trued
in a
ccor
danc
e w
ith th
e su
bsta
ntiv
e la
ws o
f the
Sta
te o
f Ten
ness
ee w
ithou
t reg
ard
to th
e co
nfl ic
ts of
la
ws p
rinci
ples
ther
eof.
If a
pplic
able
law
inva
lidat
es o
r ren
ders
une
nfor
ceab
le th
e ch
oice
of l
aw st
ated
in th
e pr
ior s
ente
nce,
this
Agr
eem
ent s
hall
be g
over
ned
by a
nd c
onstr
ued
in a
ccor
danc
e w
ith th
e la
ws o
f you
r pro
vinc
e or
terri
tory
.
25.
Agr
eem
ent t
o A
rbitr
ate.
PLEA
SE R
EAD
TH
IS P
RO
VIS
ION
OF
THE
AG
REE
MEN
T C
AR
EFU
LLY.
IT
PRO
VID
ES T
HAT
MO
ST D
ISPU
TES
AR
ISIN
G H
EREU
ND
ER S
HA
LL B
E R
ESO
LVED
BY
BIN
DIN
GA
RBI
TRAT
ION
. A
RBI
TRAT
ION
REP
LAC
ES T
HE
RIG
HT
TO G
O T
O C
OU
RT,
INC
LUD
ING
TH
E R
IGH
T TO
A J
UR
Y A
ND
TH
E R
IGH
T TO
PA
RTI
CIP
ATE
IN A
CLA
SS A
CTI
ON
OR
SIM
ILA
R P
RO
CEE
DIN
G.
The
parti
es a
gree
that
they
will
end
eavo
r to
settl
e a
disp
ute
or c
laim
aris
ing
out o
f or r
elat
ing
to th
is A
gree
men
t by
med
iatio
n ad
min
ister
ed b
y th
e Co
mm
erci
al A
rbitr
atio
n an
d M
edia
tion
Cent
er fo
r the
Am
eric
as u
nder
its r
ules
bef
ore
reso
rting
to
arb
itrat
ion.
The
reaf
ter,
any
disp
ute,
con
trove
rsy
or c
laim
aris
ing
out o
f or r
elat
ing
to th
is co
ntra
ct sh
all b
e se
ttled
by
arbi
tratio
n ad
min
ister
ed b
y th
e Co
mm
erci
al A
rbitr
atio
n an
d M
edia
tion
Cent
er fo
r the
Am
eric
as in
acc
orda
nce
with
its
rule
s and
judg
men
t on
the
awar
d re
nder
ed b
y th
e ar
bitra
tor(s
) may
be
ente
red
in a
ny c
ourt
havi
ng ju
risdi
ctio
n th
ereo
f. Th
e re
quire
men
t of fi
ling
a n
otic
e of
cla
im w
ith re
spec
t to
the
disp
ute,
con
trove
rsy
or c
laim
subm
itted
to m
edia
tion
shal
l be
susp
ende
d un
til th
e co
nclu
sion
of th
e m
edia
tion
proc
ess.
Any
such
med
iatio
n or
arb
itrat
ion
shal
l be
in E
nglis
h, sh
all b
e he
ard
by o
ne m
edia
tor/a
rbitr
ator
and
shal
l be
held
in N
ashv
ille,
TN
. Su
ch m
edia
tor/a
rbitr
ator
shal
l app
ly th
e la
w o
f Te
nnes
see.
Not
hing
in th
is Se
ctio
n no
r the
exe
rcise
of a
ny ri
ght t
o ar
bitra
tion
nor t
he c
omm
ence
men
t or p
ende
ncy
of a
ny p
roce
edin
g sh
all l
imit
the
right
of a
ny p
arty
to th
is A
gree
men
t to
exer
cise
any
self-
help
righ
ts or
any
oth
er ri
ghts
or re
med
ies
avai
labl
e to
it b
y co
ntra
ct o
r app
licab
le st
atut
ory
or c
ase
law
(inc
ludi
ng b
ut n
ot li
mite
d to
the fi l
ing
of a
n in
volu
ntar
y pe
titio
n in
ban
krup
tcy,
the
right
of s
et o
ff, a
ttach
men
t, re
coup
men
t, fo
recl
osur
e or
repo
sses
sion)
with
resp
ect t
o its
ex
tens
ion
of c
redi
t, th
e pr
otec
tion
and
pres
erva
tion
of c
olla
tera
l, th
e liq
uida
tion
and
real
izat
ion
of c
olla
tera
l, th
e pr
otec
tion,
con
tinua
tion
and
pres
erva
tion
of li
en ri
ghts
and
prio
ritie
s, th
e co
llect
ion
of in
debt
edne
ss, a
nd th
e pr
oces
sing
and
paym
ent o
r ret
urn
of c
hequ
es, w
heth
er su
ch o
ccur
s bef
ore,
dur
ing
or a
fter t
he p
ende
ncy
of a
ny n
egot
iatio
n or
arb
itrat
ion
proc
eedi
ng. T
he e
xerc
ise o
f rig
hts g
rant
ed u
nder
this
para
grap
h sh
all n
ot b
e de
emed
a w
aive
r of t
he ri
ght t
o co
mpe
l ar
bitra
tion.
26.
Taxe
s. A
ny a
nd a
ll pa
ymen
ts re
quire
d to
be
mad
e by
you
und
er th
is A
gree
men
t sha
ll be
mad
e fre
e an
d cl
ear o
f and
with
out d
educ
tion
or w
ithho
ldin
g fo
r any
taxe
s; pr
ovid
ed th
at if
you
are
requ
ired
to d
educ
t or w
ithho
ld a
ny ta
xes f
rom
an
y pa
ymen
t, th
en (i
) the
am
ount
pay
able
by
you
shal
l be
incr
ease
d so
that
, afte
r mak
ing
all r
equi
red
dedu
ctio
ns o
r with
hold
ings
we
rece
ive
an a
mou
nt e
qual
to th
e su
m w
e w
ould
hav
e re
ceiv
ed h
ad n
o su
ch d
educ
tion
or w
ithho
ldin
g be
en
mad
e, (i
i) yo
u sh
all m
ake
the
requ
ired
dedu
ctio
n or
with
hold
ing,
and
(iii)
you
shal
l pay
to th
e re
leva
nt g
over
nmen
t aut
horit
y in
acc
orda
nce
with
app
licab
le la
w th
e fu
ll am
ount
ded
ucte
d or
with
held
.
20
TOROMONT CATBRANCH CONTACTS
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