Schedule of Receivables by Product Category

Retail notes receivable by product category at October 31 were as follows (in millions of dollars):

	2012						2011
	Unrestricted			Securitized			Unrestricted			Securitized
Agriculture and turf equipment – new	$	6,884.7		$	1,254.2		$	6,151.5		$	1,105.2
Agriculture and turf equipment – used	4,637.8			1,871.9			4,282.4			1,491.6
Construction and forestry equipment – new	734.9			442.2			661.1			278.7
Construction and forestry equipment – used	138.6			111.1			159.4			84.0
Recreational products							3.5
Total	12,396.0			3,679.4			11,257.9			2,959.5
Unearned finance income	(302.5		)	(44.1		)	(309.4		)	(36.3		)
Retail notes receivable	$	12,093.5		$	3,635.3		$	10,948.5		$	2,923.2

Schedule of Guidelines Relating to Down Payment Requirements and Contract Terms

Company guidelines relating to down payment requirements and contract terms on retail notes are generally as follows:

	Down Payment	Contract Terms
Agriculture and turf equipment (new and used):
Seasonal payments	10% - 30%	3-7 years
Monthly payments	10% - 20%	36-84 months
Construction and forestry equipment:
New	10%	48-60 months
Used	15%	36-48 months

Receivables

Schedule of Receivable Installments

Initial lease terms for financing leases generally range from 4 months to 60 months. Payments on financing leases receivable at October 31 were scheduled as follows (in millions of dollars):

	2012		2011
Due in:
0-12 months	$	207.3	$	188.8
13-24 months	144.1		127.9
25-36 months	101.8		84.7
37-48 months	49.9		50.3
Over 48 months	26.9		21.4
Total	$	530.0	$	473.1