CREDIT AGREEMENT (2026 364-Day Facility)

Signed Aug 27, 2026

Committed: $200m
Matures: Aug 2027
Agent: Citibank, N.A.

Tranche	Size	Matures	Margin
CIF LUX Local Currency	$100m	Aug 2027	n/a
CIF Local Currency Addendum (364-Day Facility)	$100m	n/a	n/a

Priced over Other (Revolving credit facility).

Level	Condition	Margin	Unused fee
Level Level 1	all times	n/a	n/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, Bank of America, N.A., BNP Paribas, The Hong Kong and Shanghai Banking Corporation Limited, ING Bank N.V., Dublin Branch, Lloyds Bank plc

CovenantTestedHeadroomLimit now

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 annualHeadroom not yet measured10.00

Maintain a Leverage Ratio of not greater than 10.0 to 1 on each December 31, commencing December 31, 2026.

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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Amendments

Aug 27, 2026
Amendmentunconfirmed
Establishes a Japan Local Currency Addendum under the 2026 364-Day Credit Agreement, creating a Japan yen-denominated subfacility for CFKK with a total commitment of US $100,000,000 from MUFG. Sets interest mechanics for such advances to TONAR or Japan Base Rate plus the Applicable Margin and provides related procedures and notices.
- total_japan_local_currency_commitment: n/a → 100000000 §Schedule I; Section 2.02(a)
Filing ↗
Aug 27, 2026
Amendmentunconfirmed
Adds a CIF Local Currency subfacility under the 2026 364‑Day Credit Agreement with an aggregate cap of $100,000,000 shared with the CIF LUX Local Currency Addendum. Local Currency Advances may be in GBP, EUR or other agreed currencies and bear interest at EURIBOR (or applicable RFR) plus the Applicable Margin, with procedures and notice terms as set in the addendum.
- local_currency_subfacility_cap: n/a → 100000000 §Section 2.02(a)
Filing ↗
Aug 27, 2026
Amendmentunconfirmed
Establishes a CIF LUX Local Currency subfacility under the 2026 364-Day Credit Agreement with a total commitment of $100,000,000, sharing an aggregate cap of $100,000,000 with the CIF Local Currency Addendum. Interest for Local Currency Advances is set to EURIBOR plus the Applicable Margin (or RFR-based per the Credit Agreement), and a Same Day CIF LUX Local Currency Sub-Facility of $100,000,000 is provided.
- total_cif_lux_local_currency_commitment: n/a → 100000000 §Schedule I
- aggregate_local_currency_cap_shared_with_CIF_Local_Currency_Addendum: n/a → 100000000 §Section 2.02(a)
- same_day_cif_lux_local_currency_subfacility: n/a → 100000000 §Schedule I
Filing ↗

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