Cummins Inc. has entered into a Third Amended and Restated Credit Agreement, known as the "5-Year Credit Agreement," on June 2, 2025. This agreement, involving Cummins Inc., its subsidiaries, various lenders, and JPMorgan Chase Bank as the administrative agent, allows the company to access revolving and swingline loans, as well as letters of credit, with a total capacity of up to $2.0 billion until its maturity date on June 2, 2030. The agreement replaces the previous Second Amended and Restated Credit Agreement and introduces the option for Cummins Inc. to request incremental term loans or increase the maximum availability by up to $1.0 billion, subject to certain conditions. The borrowings under this agreement will not be secured by liens on the company's assets, and Cummins Inc. guarantees all subsidiary borrowings.