← CATERPILLAR FINANCIAL SERVICES CORP

FIFTH AMENDED AND RESTATED CREDIT AGREEMENT

Signed Aug 27, 2026

Committed
$5.78bn
Matures
Aug 2031
TrancheSizeMaturesMargin
Revolving credit facility$4.78bnAug 203163 bps
Local Currency Subfacilities$1bnAug 203163 bps

Priced over Term SOFR, floor 0 bps (Revolving credit facility, Other tranche).

LevelConditionMarginUnused fee
Level Level IIf the Credit Rating for the applicable Borrower is at least AA- by Standard & Poor’s or at least Aa3 by Moody’s63 bpsn/a
Level Level IIIf the Credit Rating for the applicable Borrower is at least A+ by Standard & Poor’s or at least A1 by Moody’sn/an/a
Level Level IIIIf the Credit Rating for the applicable Borrower is at least A by Standard & Poor’s or at least A2 by Moody’sn/an/a
Level Level IVIf the Credit Rating for the applicable Borrower is lower than Level III by Standard & Poor’s and Moody’sn/an/a

Lenders: Citibank, N.A., BofA Securities, Inc., JPMorgan Chase Bank, N.A., J.P. Morgan SE, Barclays Bank PLC, MUFG Bank, Ltd., Société Générale

Tested otherHeadroom not yet measured$9bn
Caterpillar will, unless the Majority Banks shall otherwise consent in writing, maintain at all times during each fiscal year of Caterpillar, Consolidated Net Worth of not less than $9,000,000,000.
Read the filing on sec.gov ↗
Tested otherHeadroom not yet measured10.00
Maintain at all times a ratio (the “Leverage Ratio”) of (x) CFSC Consolidated Debt to (y) CFSC’s Consolidated Net Worth of not greater than 10.0 to 1.
Read the filing on sec.gov ↗
Tested quarterlyHeadroom not yet measured1.15x
Maintain, for CFSC and its Subsidiaries on a consolidated basis as determined in accordance with generally accepted accounting principles, a ratio of (i) profit excluding income taxes, Interest Expense and Net Gain/(Loss) From Interest Rate Derivatives to (ii) Interest Expense of not less than 1.15 to 1, as calculated at the end of each fiscal quarter, for the prior four consecutive fiscal quarter period.
Read the filing on sec.gov ↗

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