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Dealer Presentation
About GreenSky

GreenSky is a leading provider of consumer
finance specializing in Home Improvement,
Retail and Healthcare. We have built
relationships with retailers and service
providers in all 50 states.

Since 2006, GreenSky has played a critical
role in transforming small business and
consumer credit, enabling more affordable
and more pervasive access to financing. Our
company’s people, process and technology
solutions improve customers’ lives.

GreenSky is recognized for its ability to
provide customized credit solutions that
enhance sales. GreenSky serves customers
ranging from the world's largest and most
demanding retailers and contractors to small
and medium businesses, and consumers
nationwide.




                                               2
The GreenSky Advantage

At GreenSky, we’re committed to providing
the tools your business needs to increase sales



    Your Business                          Our Commitment


                                  The Highest               That is the
      Contractors
                                  Approval Rates


        Retailers                 The Easiest Process                     TM




    Service Providers             The Best Products         Advantage




                                                                               3
How It Works –
The Highest Approval Rates
Every declined application represents a lost opportunity
for our customers…



                             That’s why GreenSky built a national network of funding
                       TM
                             sources to provide a one stop, seamless solution for
                             prime, near prime and subprime customers.


                             The Result
      The Highest
      Approval Rates         • Highest approval rates
                             • Best credit terms for your customer

      The Easiest Process

                                              All at the
      The Best Products                   Lowest Dealer Cost!


                                                                                       4
How It Works –
The Easiest Process
Combining industry expertise with the latest technologies,
our application and funding process is so advanced it’s simple!

                            Step 1: Apply for GreenSky Credit (Simple and Fast)
                            Paperless application process takes less than 5 minutes
                            Apply on-line or by phone (iPhone/Droid app coming soon!)

                       TM




                            Step 2: Get Customer Approved
                            85% of credit decisions are made INSTANTLY
                            All other credit decision are made within fifteen minutes
      The Highest
      Approval Rates

                            Step 3: Get Funded
      The Easiest Process   GreenSky immediately provides the customer with an Account #
                            Customer pays Dealer by providing the Account #
                            Dealer processes the payment just like a credit card payment
      The Best Products     NO Certificate of Completion or paperwork required for funding


                                                   GET PAID FAST!

                                                                                             5
How It Works –
The Best Products
Offering the broadest range of Credit Products in the Industry…
the choice is yours!

                                     No Interest*                  6, 12 & 18 month options
                                                                                                          Same
                                                                                                           as
                                     No Interest &                                                        Cash
                                     No Payment                    6 & 12 month options

                                TM




                                     Reduced                       0%, 3.99%, 7.99%,
                                     Interest Rate                 9.99%, 11.99% options                 At No or
                                                                                                         Reduced
                                     Pay in Full w/ Equal                                                Interest
                                     Monthly Payments              12, 18 & 36 month options
              The Highest
              Approval Rates
                                                                   Dealer has the ability to expand approvals even
                                     Dealer Controlled
                                     Credit Override               further by electing a Recourse or Self-Funded
              The Easiest Process                                  Credit Program on a deal by deal basis.



              The Best Products      All Products Are:
                                     Fixed Monthly Payments and Fixed Interest Rates (average APR of 14%)
                                     Payment Factor as low as 1.67%
*With Minimum Monthly Payment        Credit Limits up to $40,000


                                                                                                                     6
The GreenSky Advantage
Why your Customers will love GreenSky

Application Process is Fast,
Easy & Paperless

Credit Limits up to $40,000

Attractive, Fixed Interest Rates
(as low as 3.99%)

Low Monthly Payments

Ability to offer your customer the Credit
Product that best meets their needs.
•   No Interest with Minimum Monthly Payments
•   No Interest AND No Payments
•   Reduced Rate APR
•   Equal Payments with No Interest



                                                7
The GreenSky Advantage
Why YOU will love GreenSky

Highest Approval Rates


Broadest offering of Credit Products


Seamless Prime & Sub-Prime Approvals

Dealer Controlled Credit Override
-Allows you to extend approvals even further

Easiest Process
-Paperless and Rapid Funding



Increase close rates, average order values and sales


                                                       8
Increase the Close Rate and Average Order Value
by Focusing on Low Monthly Payments
                           Loan Amount                                               Monthly Payment
                                   $2,500                                                  $47
                                   $5,000                                                  $94
                                   $7,500                                                 $141
                                 $10,000                                                  $188
                                 $15,000                                                  $282
                                 $20,000                                                  $375
                                 $25,000                                                  $469
                                 $30,000                                                  $563
                                 $35,000                                                  $656
                                 $40,000                                                  $750
*Quoted Monthly Payments assume an 84 month term at 13.99% Annual Percentage Rate.




                                                                                                       9
GreenSky’s Customer Service Commitment

GreenSky’s success is dependent on our Customers’ experience.
We have earned the trust of world class companies because of our commitment to customer
care and fairness. We keep that trust by living up to that commitment every day.




The GreenSky Customer Experience Vision
1. Our Customers understand the value and cost of the product and how they can maximize the product to their benefit.
2. Our Customers are offered a fair deal and believe that they received a fair deal.
3. Our process is simple and easily understood by our Customers.
4. Our Customers can reach GreenSky for the service they need, when they need it, utilizing their preferred method.
5. Our Customers’ issues are resolved efficiently.
6. Every Customer is treated with respect and care and a sense of urgency.
7. Choosing GreenSky means our Customer received the best service, the best value, and the best experience.


                                                                                                                        10
The GreenSky Advantage –
Strategic Partners
Partnering with GreenSky empowers you to develop customized credit
programs that will increase your sales and benefit your authorized dealers

                             Benefits for Your Business


        Your Business

          Manufacturers                           Increased sales

           Distributors                       Increased market share

            Retailers                              More visibility

           Franchisors                             More control

        Trade Associations                     Greater differentiation


                                                                             11
Getting Started with GreenSky:
Dealer Enrollment

Getting Started with GreenSky                             Sign up Today
is as Easy as 1, 2, 3:
Step 1: Complete the one page Dealer Application
                                                                   Online: www.GreenSkyCredit.com
Step 2: Upon approval, you will receive a “Welcome Kit”
containing:
       • Contact information for your dedicated
         GreenSky Representative and your Dealer #
                                                                   Call/Email your Dealer Representative
       • Training Materials for your sales and
         administrative staff                                      Jeffrey Gold, 404.832.4130
       • GreenSky enrollment form                                  jeffrey.gold@greenskycredit.com


Step 3: Complete the one page GreenSky enrollment form



                             Dealer and Customer Service Hours
                           Monday – Saturday: 6 am – Midnight EST
                                Sunday: 8 am – 10 pm EST
                                       866.936.0602


                                                                                                           12

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GreenSky Dealer Presentation

  • 2. About GreenSky GreenSky is a leading provider of consumer finance specializing in Home Improvement, Retail and Healthcare. We have built relationships with retailers and service providers in all 50 states. Since 2006, GreenSky has played a critical role in transforming small business and consumer credit, enabling more affordable and more pervasive access to financing. Our company’s people, process and technology solutions improve customers’ lives. GreenSky is recognized for its ability to provide customized credit solutions that enhance sales. GreenSky serves customers ranging from the world's largest and most demanding retailers and contractors to small and medium businesses, and consumers nationwide. 2
  • 3. The GreenSky Advantage At GreenSky, we’re committed to providing the tools your business needs to increase sales Your Business Our Commitment The Highest That is the Contractors Approval Rates Retailers The Easiest Process TM Service Providers The Best Products Advantage 3
  • 4. How It Works – The Highest Approval Rates Every declined application represents a lost opportunity for our customers… That’s why GreenSky built a national network of funding TM sources to provide a one stop, seamless solution for prime, near prime and subprime customers. The Result The Highest Approval Rates • Highest approval rates • Best credit terms for your customer The Easiest Process All at the The Best Products Lowest Dealer Cost! 4
  • 5. How It Works – The Easiest Process Combining industry expertise with the latest technologies, our application and funding process is so advanced it’s simple! Step 1: Apply for GreenSky Credit (Simple and Fast) Paperless application process takes less than 5 minutes Apply on-line or by phone (iPhone/Droid app coming soon!) TM Step 2: Get Customer Approved 85% of credit decisions are made INSTANTLY All other credit decision are made within fifteen minutes The Highest Approval Rates Step 3: Get Funded The Easiest Process GreenSky immediately provides the customer with an Account # Customer pays Dealer by providing the Account # Dealer processes the payment just like a credit card payment The Best Products NO Certificate of Completion or paperwork required for funding GET PAID FAST! 5
  • 6. How It Works – The Best Products Offering the broadest range of Credit Products in the Industry… the choice is yours! No Interest* 6, 12 & 18 month options Same as No Interest & Cash No Payment 6 & 12 month options TM Reduced 0%, 3.99%, 7.99%, Interest Rate 9.99%, 11.99% options At No or Reduced Pay in Full w/ Equal Interest Monthly Payments 12, 18 & 36 month options The Highest Approval Rates Dealer has the ability to expand approvals even Dealer Controlled Credit Override further by electing a Recourse or Self-Funded The Easiest Process Credit Program on a deal by deal basis. The Best Products All Products Are: Fixed Monthly Payments and Fixed Interest Rates (average APR of 14%) Payment Factor as low as 1.67% *With Minimum Monthly Payment Credit Limits up to $40,000 6
  • 7. The GreenSky Advantage Why your Customers will love GreenSky Application Process is Fast, Easy & Paperless Credit Limits up to $40,000 Attractive, Fixed Interest Rates (as low as 3.99%) Low Monthly Payments Ability to offer your customer the Credit Product that best meets their needs. • No Interest with Minimum Monthly Payments • No Interest AND No Payments • Reduced Rate APR • Equal Payments with No Interest 7
  • 8. The GreenSky Advantage Why YOU will love GreenSky Highest Approval Rates Broadest offering of Credit Products Seamless Prime & Sub-Prime Approvals Dealer Controlled Credit Override -Allows you to extend approvals even further Easiest Process -Paperless and Rapid Funding Increase close rates, average order values and sales 8
  • 9. Increase the Close Rate and Average Order Value by Focusing on Low Monthly Payments Loan Amount Monthly Payment $2,500 $47 $5,000 $94 $7,500 $141 $10,000 $188 $15,000 $282 $20,000 $375 $25,000 $469 $30,000 $563 $35,000 $656 $40,000 $750 *Quoted Monthly Payments assume an 84 month term at 13.99% Annual Percentage Rate. 9
  • 10. GreenSky’s Customer Service Commitment GreenSky’s success is dependent on our Customers’ experience. We have earned the trust of world class companies because of our commitment to customer care and fairness. We keep that trust by living up to that commitment every day. The GreenSky Customer Experience Vision 1. Our Customers understand the value and cost of the product and how they can maximize the product to their benefit. 2. Our Customers are offered a fair deal and believe that they received a fair deal. 3. Our process is simple and easily understood by our Customers. 4. Our Customers can reach GreenSky for the service they need, when they need it, utilizing their preferred method. 5. Our Customers’ issues are resolved efficiently. 6. Every Customer is treated with respect and care and a sense of urgency. 7. Choosing GreenSky means our Customer received the best service, the best value, and the best experience. 10
  • 11. The GreenSky Advantage – Strategic Partners Partnering with GreenSky empowers you to develop customized credit programs that will increase your sales and benefit your authorized dealers Benefits for Your Business Your Business Manufacturers Increased sales Distributors Increased market share Retailers More visibility Franchisors More control Trade Associations Greater differentiation 11
  • 12. Getting Started with GreenSky: Dealer Enrollment Getting Started with GreenSky Sign up Today is as Easy as 1, 2, 3: Step 1: Complete the one page Dealer Application Online: www.GreenSkyCredit.com Step 2: Upon approval, you will receive a “Welcome Kit” containing: • Contact information for your dedicated GreenSky Representative and your Dealer # Call/Email your Dealer Representative • Training Materials for your sales and administrative staff Jeffrey Gold, 404.832.4130 • GreenSky enrollment form jeffrey.gold@greenskycredit.com Step 3: Complete the one page GreenSky enrollment form Dealer and Customer Service Hours Monday – Saturday: 6 am – Midnight EST Sunday: 8 am – 10 pm EST 866.936.0602 12