Schedule of Receivables by Product Category

Retail notes receivable by product category at November 3, 2019 and October 28, 2018 were as follows (in millions of dollars):


	2019				2018
	Unrestricted		Securitized		Unrestricted		Securitized

Agriculture and turf – new	$	8,959.8	$	1,612.7	$	8,202.8	$	1,438.8
Agriculture and turf – used		4,033.2		2,186.0		4,095.8		2,001.8
Construction and forestry – new		2,255.3		561.9		2,084.9		518.3
Construction and forestry – used		519.6		89.8		359.5		79.0
Total		15,767.9		4,450.4		14,743.0		4,037.9
Unearned finance income		(617.4)		(100.8)		(587.0)		(83.0)
Retail notes receivable	$	15,150.5	$	4,349.6	$	14,156.0	$	3,954.9

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	Contract
	Payment	Terms
Agriculture and turf (new and used):
Seasonal payments	10% - 30%	3 - 7 years
Monthly payments	10% - 20%	36 - 84 months
Construction and forestry:
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 72 months. Payments on financing leases receivable at November 3, 2019 and October 28, 2018 were scheduled as follows (in millions of dollars):


	2019		2018
Due in:
0-12 months	$	225.6	$	217.4
13-24 months		155.2		157.4
25-36 months		103.8		113.2
37-48 months		58.3		53.3
Over 48 months		33.0		32.3
Total	$	575.9	$	573.6