GreenSky Consumer Credit

May 2012

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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.

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The GreenSky Advantage

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

Your Business

Contractors

Retailers

Service Providers

The Highest Approval Rates

The Easiest Process

The Best Products

Our Commitment

That is the

TM

Advantage

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How It Works – The Highest Approval Rates

Every declined application represents a lost opportunity for our customers…

TM

The Highest Approval Rates

The Easiest Process

The Best Products

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

All at theLowest Dealer Cost!

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

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How It Works – The Easiest Process

Combining industry expertise with the latest technologies, our application and funding process is so advanced it’s simple!

TM

The Highest Approval Rates

The Easiest Process

The Best Products

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!)

Step 3: Get Funded

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

NO Certificate of Completion or paperwork required for funding

Step 2: Get Customer Approved

85% of credit decisions are made INSTANTLY

All other credit decision are made within fifteen minutes

GET PAID FAST!

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How It Works – The Best Products

Offering the broadest range of Credit Products in the Industry…the choice is yours!

TM

The Highest Approval Rates

The Easiest Process

The Best Products

No Interest*

No Interest & No Payment

Same as

Cash

6, 12 & 18 month options

6 & 12 month options

Reduced Interest Rate

Pay in Full w/ Equal Monthly Payments

At No or Reduced Interest

0%, 3.99%, 7.99%, 9.99%, 11.99% options

12, 18 & 36 month options

Dealer ControlledCredit Override

Dealer has the ability to expand approvals even further by electing a Recourse or Self-Funded Credit Program on a deal by deal basis.

All Products Are:Fixed Monthly Payments and Fixed Interest Rates (average APR of 14%)

Payment Factor as low as 1.67%

Credit Limits up to $40,000*With Minimum Monthly Payment

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The GreenSky AdvantageWhy your Customers will love GreenSky

• No Interest with Minimum Monthly Payments • No Interest AND No Payments • Reduced Rate APR • Equal Payments with No Interest

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.

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The GreenSky AdvantageWhy YOU will love GreenSky

Increase close rates, average order values and sales

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

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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.

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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.

GreenSky’s Customer Service Commitment

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.

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Benefits for Your Business

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

Your Business

Manufacturers

Distributors

Retailers

Franchisors

Trade Associations

Increased sales

Increased market share

More visibility

More control

Greater differentiation

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Getting Started with GreenSky: Dealer Enrollment

Getting Started with GreenSky is as Easy as 1, 2, 3:

Step 1: Complete the one page Dealer Application

Step 2: Accept the GreenSky Dealer Contract

Step 3: Within one business day, You’ll receive a “Welcome Kit” containing:

• Your GreenSky Dealer #

• Contact information for your dedicated GreenSky Representative

• Training Materials for your sales and administrative staff

Sign up Today

Online: www.GreenSkyCredit.com

Call/Email your Dealer Representative

Jeffrey Gold, 404.832.4130

jeffrey.gold@greenskycredit.com

Dealer and Customer Service HoursMonday – Saturday: 6 am – Midnight EST

Sunday: 8 am – 10 pm EST866.936.0602