KUBOTA CREDIT CORPORATION, U.S.A.

Since 1982 Kubota customers have been offered a wide range of financing alternatives through Kubota Credit Corporation U.S.A.(KCC). Competitive interest rates, equity financing, flexible down payments, monthly and seasonal payment terms and property damage insurance are available through KCC. Kubota dealers can tailor a variety of finance and lease programs to meet the specific requirements of their customers.

Your Partner for Success. The key to your success is managing your cash resources in today's competitive market. To help you, KCC provides fast, efficient and convenient payment alternatives vital to your cash flow needs when purchasing Kubota equipment.

Customers are KCC's number one priority. Through a comprehensive national dealer network, KCC can offer personal counseling, excellent service and a competitive advantage through:

• Attractive interest rates
• 90 Days, Same As Cash on selected models
• Simplified payment programs
• Fast credit approval
• Knowledgeable specialists

Easy Payment Plans. KCC offers a mixture of standard, short and long term plans so you can choose from 1 to 72 months to pay based upon the model purchased and amount financed. A wide variety of repayment plans are available to meet your equipment financing needs and business cash flow. Let our finance specialists help you design the plan that gives you the flexibility you need.

Low A.P.R. Rates. KCC has consistently provided the lowest interest rates to customers. We work hard to keep our overhead low and you benefit from the savings in the form of low finance rates. This results in lower payments for you. As a result, Kubota customers often find they are able to afford more Kubota equipment.

Fast Credit Approval. Because we are the lending source, we're able to expedite handling your application. After receiving your completed credit information, we can immediately respond. We know time is money and we make every effort to streamline the process. No hassles. No delays.

Down Payment Options. Based on your individual needs, you can choose from a variety of down payment options including equity financing, trade-in, cash or a combination of the options.

Trade-in equipment usually will cover the majority, or all of your down payment requirements.

Equity financing allows you the option to use the equity value of your Kubota-owned machines in lieu of part or all of the down payment.

Physical Damage Insurance Rates. You can obtain inexpensive physical damage insurance to provide coverage for the life of your loan. By participating in our group rates, you benefit and keep the savings.