Document:

Exhibit 10.17

 

EXECUTION VERSION

 

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SECOND AMENDED AND RESTATED

GREENSKY INSTALLMENT LOAN PROGRAM AGREEMENT

 

THIS SECOND AMENDED
AND RESTATED GREENSKY INSTALLMENT LOAN PROGRAM AGREEMENT (“Agreement”), is made and entered into as of April
26, 2018 (“Effective Date”), by and among GREENSKY, LLC (f/k/a GreenSky Trade Credit, LLC), a Georgia
limited liability company, with offices at 5565 Glenridge Connector, Suite 700, Atlanta, Georgia 30342 (“GreenSky”),
and HOME DEPOT U.S.A., INC., a Delaware corporation and successor-in-interest to THD At-Home Services, Inc. (formerly
a party to this Agreement), with offices at 2455 Paces Ferry Road, NW, Atlanta, Georgia 30339 (“Home Depot”).
Third-party installation service providers authorized by Home Depot to provide installation services for customers of Home Depot
as an agent of Home Depot are hereinafter referred to as “Authorized Service Providers”.

 

WHEREAS, GreenSky
is the administrator of financing programs that facilitate point-of-sale financing provided by federally insured financial institutions
(“Funding Participants”) to consumers to fund their purchases of goods or services from merchants;

 

WHEREAS, on
May 12, 2010 (the “Original Agreement Effective Date”), GreenSky and Home Depot entered into a GreenSky Installment
Loan Program Agreement dated as of May 12, 2010 (the “Original Agreement”) whereby unsecured installment loans
were offered through a GreenSky-administered finance program to Home Depot customers for certain “in home” installation
services only;

 

WHEREAS, on
April 12, 2011 (the “Prior Agreement Effective Date”), GreenSky and Home Depot amended and restated the Original
Agreement pursuant to an Amended and Restated GreenSky Installment Loan Program Agreement dated as of April 12, 2011 (the “Prior
Agreement”) to expand the finance program administered by GreenSky to Home Depot pursuant to the Original Agreement to
allow for installment loans to also be offered in Home Depot stores and online within the United States as part of a program to
be known as the “Home Depot GreenSky Program”; and

 

WHEREAS, GreenSky
and Home Depot desire to amend and restate the Prior Agreement in its entirety and replace it with this Agreement;

 

NOW, THEREFORE,
in consideration of the foregoing premises and the mutual covenants hereinafter set forth, the parties hereby agree as follows:

 

1.THE
AGREEMENT. GreenSky, on behalf of Funding Participants, will offer the Home Depot GreenSky Program (“Finance
Program”) in accordance with the terms of this Agreement to customers of Home Depot for purposes of financing the purchase
of certain in-home installation services offered by Home Depot, as set forth on Schedule 1 (“Services”), and
any goods sold by Home Depot, whether in-store, online or otherwise (“Goods”), as may be purchased from time
to time by such customers. The Services and Goods are collectively referred to as “Goods and Services”. By executing
this Agreement, GreenSky and Home Depot expressly agree and acknowledge that the Prior Agreement is superseded, amended and replaced,
in its entirety, by this Agreement.

    	 

    	

    

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2.PROGRAM
DESCRIPTION. Pursuant to the terms and conditions of this Agreement (as in effect from time to time), Home Depot
and GreenSky have established the Finance Program for the purpose of making consumer credit available under the Finance Program
commencing as of the Original Agreement Effective Date.

 

(a)Non-Discriminatory.
GreenSky shall offer and make available the Finance Program to all customers of Home Depot for the Goods and Services regardless
of race, color, sex, age, disability, religion, national origin, marital status, familial status, receipt of public assistance
income, or exercising, in good faith, any rights under the Consumer Credit Protection Act; and neither Home Depot nor GreenSky
shall treat customers, potential customers or applicants of Home Depot differently on any basis prohibited by law.

 

(b)Unsecured,
Non-Recourse. The Finance Program is an unsecured, non-recourse program for Home Depot, meaning that GreenSky and Funding Participants
shall not seek repayment from Home Depot (or from any of the Authorized Service Providers, if applicable) if any customer of Home
Depot who has been approved for a loan under the Finance Program fails to repay the loan. Nothing in this Section 2(b) shall be
construed or applied to limit the rights of GreenSky with respect to Section 16(b) of this Agreement.

 

(c)Exclusivity.

 

(i)Nothing contained
herein shall restrict Home Depot’s right to contract with other lenders, financial institutions or similar providers of financial
services to provide financing programs to customers of Home Depot. In the event that Home Depot elects to provide closed-end unsecured
loans (a “Competing Financial Product”) through another provider, Home Depot shall provide GreenSky with thirty
(30) days written notice prior to the commencement of the roll out of any such Competing Financial Product. In addition, Home Depot
will not, and will not permit the provider of a Competing Financial Product to, promote a product that competes with any of the
products provided for hereunder at a promotional level greater than the promotional level that Home Depot provides to the corresponding
product hereunder. In the event that Home Depot enters into any new program for a Competing Financial Product with any other lender,
financial institution of similar provider of financial services, Home Depot (including the Authorized Service Providers) will not
base its decision on which lender’s loan application will be presented to the customer on the basis of such customer’s
credit quality or location.

 

(ii)Except as set
forth in Section 2(c)(iii) below, nothing contained herein shall restrict GreenSky’s right to provide financing programs
to customers of other home improvement retailers or home installation service providers.

 

(iii)GreenSky agrees
that:

 

(A)During
the term of this Agreement and for a period of six (6) months following the date of termination of this Agreement, without prior
written approval of Home Depot, GreenSky shall not, by itself or in conjunction with others, directly or indirectly issue, offer,
operate, manage, advertise, market, promote, administer or enter into any arrangement with Lowe’s Companies, Inc., Sears,
Roebuck and Co. or Menards, Inc. in the United States or Canada (including their respective subsidiaries and affiliates, the “Home
Depot Competitors”); provided, however, that nothing in this Section 2(c)(iii)(A) shall prohibit GreenSky
from performing

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its contractual
obligations with the Home Depot Competitors existing as of the Prior Agreement Effective Date as disclosed on Schedule 2(c)(iii)(A);

 

(B)[*****];
and

 

(C)GreenSky
shall not use any of the information obtained from Home Depot (including, without limitation, Home Depot Confidential Information,
as defined in Section 10(a) below), for purposes of soliciting installment loan business directly from any home improvement retailers
or installation service providers (including their respective subsidiaries and affiliates).

 

(d)Program Territory.
The territory in which customer accounts under the Finance Program (“Accounts”) may be established shall consist
solely of the United States of America (the “Territory”).

 

(e)Roll-Out.
Under the Prior Agreement, Home Depot and GreenSky agreed to roll out Phase 1 of the Project Loan Product (as defined in subsection
(f)(ii) below), as specified in Schedule 2(e), and to work together in good faith to achieve the subsequent roll-out schedule
as set forth on Schedule 2(e) (the “Roll-Out”). If the requirements regarding Phase 1 or Phase 2 of the
Roll-Out as set forth on Schedule 2(e) were not met for any reason other than a material breach of this Agreement by Home
Depot, Home Depot, in its reasonable discretion, had the right to elect to terminate the Project Loan Product as provided for in
Section 11(e).

 

(f)Financing Details.

 

(i)Financing
Details for Services Product. GreenSky shall cause the Finance Program to continue to offer unsecured installment loans to
Home Depot customers for certain “in home” installation services that were offered pursuant to the Original Agreement
(“Services Product”) on the terms set forth on Schedule 2(f)(i). Customers participating in the Services
Product may make a one (I) time purchase during the initial ninety (90) day period immediately following GreenSky’s approval
of the customer’s Credit Application (defined below). As used in this Agreement the “Services Loan Agreement”
shall mean the Services Product loan agreement. As used in this Agreement the “Purchase Period” shall mean the
ninety (90) day period immediately following GreenSky’s approval of the customer’s Credit Application for the Services
Product and the six (6) month period immediately following a customer’s acceptance of the Project Loan Agreement (defined
below).

 

(ii)Financing
Details for the Home Depot Project Loan Product. GreenSky shall cause the Finance Program to offer customers of Home Depot
the Home Depot Project Loan Product (“Project Loan Product”). Customers participating in the Project Loan Product
may make multiple purchases during the Purchase Period following the customer’s acceptance of the Project Loan Product loan
agreement (“Project Loan Agreement”), provided that such purchases may not, in the aggregate, exceed the maximum
loan amount approved by GreenSky. GreenSky shall not approve purchases of Goods and Services during such Purchase Period that exceed
the aggregate maximum loan amount (even if the customer has repaid some or all of the previously outstanding amounts). GreenSky
may increase the maximum loan amount during the Purchase Period; however, GreenSky shall, at all times, administer the Finance
Program and all related financial services and products in a way that does not cause an open-ended line of credit to be created.
The minimum loan amount (“Financing”) that any customer may be approved for in connection with the Project Loan
Product shall be One Thousand Dollars ($1,000) or such other amount agreed upon by the parties to this Agreement in writing. If
the customer’s total purchases are less

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than or equal to One
Thousand Dollars ($1,000), the payoff period shall be twelve (12) months following the end of the Purchase Period. If the customer
spends in excess of $1,000, the payoff period shall be seven (7) years following the end of the Purchase Period; provided, however,
the parties to this Agreement may elect to adjust such seven (7) year period, upward or downward, upon their written mutual consent.
Unless Home Depot and GreenSky agree otherwise, interest only payments shall be due during the Purchase Period. Following the Roll-Out,
if Home Depot so desires, Home Depot and GreenSky shall cooperate to develop longer interest and payment free periods with corresponding
adjustments to the economics for GreenSky.

 

(iii)Financing
Details for Other Products. Home Depot and GreenSky may agree to offer Home Depot’s customers other financing products
on terms agreed upon in writing by the parties to this Agreement.

 

(g)Merchant Discount.
The merchant discount fees that shall be effective as of the Effective Date are set forth in Schedule 6(b)(ii) (the “Merchant
Discount Fees”). Any processing fees or other fees due from Home Depot to MasterCard or any other card network shall
be payable by Home Depot. Any processing fees or other fees due from GreenSky to MasterCard or any other card network shall be
payable by GreenSky. In no event shall GreenSky be responsible for payment of Merchant Discount Fees to MasterCard or any other
card network and in no event shall Home Depot be responsible for payment of any fees, fines or assessments owed by GreenSky to
MasterCard or any other card network for GreenSky’s participation in such network.

 

3.Program Obligations.
Subject to the terms and conditions of this Agreement, during the Term and within the Territory, GreenSky and Home Depot shall
have the following obligations:

 

(a)GreenSky’s
Obligations. Subject to the terms and conditions of this Agreement, GreenSky shall perform, or subcontract with third parties
to perform, the following tasks and such other tasks as Home Depot and GreenSky shall mutually agree:

 

(i)develop, operate,
administer, and maintain all pertinent books and records reflecting data with respect to the Finance Program, whether generated
by GreenSky or otherwise in GreenSky’s possession;

 

(ii)for approved
customers of the Project Loan Product, issue a Home Depot project loan card (a “Project Loan Card”) to each
customer of Home Depot in accordance with the terms of this Agreement and applicable law to allow such Accountholders (defined
below) to access funds approved to be advanced to such Accountholders by GreenSky pursuant to the Project Loan Product;

 

(iii)on behalf
of Funding Participants, authorize the Accountholders to make Purchases (as defined below) on their Accounts, extend credit to
the Accountholders in connection therewith, and fund all receivables under the Project Loan Cards, in each case in accordance with
this Agreement, the Project Loan Agreements and applicable law. As used herein, “Accountholders” shall mean
customers approved by GreenSky for the Project Loan Product who have accepted the Project Loan Agreement and customers approved
by GreenSky for the Services Product who have accepted the Services Loan Agreement;

 

(iv)on behalf of
Funding Participants, conduct all underwriting, billing, customer service functions, collections and accounting activities pertaining
to the Accounts;

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(v)bear all credit
and fraud risk associated with the Finance Program (excluding those Accounts subject to the fraud of Home Depot personnel and amounts
subject to chargeback to the extent provided in Section 3(b)(ix) and Section 6(c) of this Agreement);

 

(vi)provide Home
Depot with the initial forms of Credit Applications and any replacement forms of Credit Applications necessitated by a change in
law (and GreenSky shall promptly notify Home Depot of any changes in law that will necessitate a change in the form of Credit Application);

 

(vii)provide Home
Depot updates of forms of credit disclosures and procedures for the use by Home Depot in connection with advertising, marketing
and promoting the Finance Program (“Standard Disclosures”), which GreenSky shall promptly revise as a result
of changes in law applicable to the Finance Program (and GreenSky shall promptly notify Home Depot of any changes in law applicable
to the Finance Program that prompts or requires such revisions);

 

(viii)ensure that
the Finance Program complies with all applicable laws and regulations and that GreenSky’s conduct of its activities and administration
of the Finance Program complies with applicable law and regulations, including without limitation, all laws and regulations governing
Account documentation, customer disclosure, money transmission, requirements related to loan brokers and related licenses and approvals,
and all rules and regulations of MasterCard or any other applicable payment network. In addition, subject to Home Depot’s
reasonable cooperation in connection therewith, GreenSky shall provide its consumer-facing internet services related to the Finance
Program in a way that complies in all material respects with the requirements of the Americans with Disabilities Act and any guidance
or regulations provided by any governmental authority in connection with or related thereto (the “ADA”) and such services
provided by GreenSky and the Funding Participants in connection with the Finance Program will not cause Home Depot to violate Home
Depot’s obligations under the ADA in a material respect with respect to its customers;

 

(ix)monitor legal
developments related to the Finance Program and advise Home Depot in writing of developments with respect to the federal and state
laws and regulations applicable to the products offered by GreenSky hereunder that impact Home Depot’s compliance with laws
and regulations as a result of its participation in the Finance Program (but, for the avoidance of doubt, not laws and regulations
that would, absent of the Finance Program, be applicable to Home Depot but not GreenSky in the operation of its business);

 

(x)in consultation
with Home Depot, provide training and informational support materials for Home Depot store personnel in support of the Finance
Program;

 

(xi)assist Home
Depot as requested with developing annual marketing budgets and an Annual Marketing Plan (as defined in Section 9(a)(i));

 

(xii)subject to
the mutual agreement between Home Depot and GreenSky in regard to form and format, track Accountholder purchase activity and maintain
or develop, as applicable, capabilities for Home Depot to offer promotions based on SKU (or similar terms) level Purchase data;

 

(xiii)provide customized
reports to Home Depot regarding the Finance Program in accordance with this Agreement or as otherwise reasonably requested by Home
Depot from time to time;

 

(xiv)in consultation
with Home Depot, develop, implement and maintain the technical and operational systems required to support the Finance Program
(including data security, outage

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and paperless applications),
to the extent required by this Agreement or as otherwise agreed to in writing by Home Depot and GreenSky;

 

(xv)provide sufficient
training to its personnel regarding the Finance Program and Home Depot’s business; and

 

(xvi)maintain a
disaster recovery plan reasonably acceptable to Home Depot (the “Disaster Recovery Plan”), which GreenSky shall
test regularly (but no less frequently than annually) in accordance with its internal procedures, as well as systems, equipment,
facilities and trained personnel sufficient to recover and thereafter perform GreenSky’s basic obligations under this Agreement
in the event of a disaster. Home Depot shall have the right to review, upon reasonable request, current copies of those portions
of the Disaster Recovery Plan that are reasonably related to the Finance Program as well as the results of any of GreenSky’s
tests of such portions. GreenSky may make changes to the Disaster Recovery Plan from time to time without Home Depot’s consent;
provided, however, that such changes do not decrease the level of protection offered by the Disaster Recovery Plan.
GreenSky shall promptly permit Home Depot to review any updated, revised, amended or restated portions of the Disaster Recovery
Plan that reasonably relate to the Finance Program. If Home Depot identifies a potential disaster that is not reasonably anticipated
by any portion of the Disaster Recovery Plan provided to it pursuant to this provision, it shall notify GreenSky and GreenSky shall
take a commercially reasonable course of action to address such concern. The performance of any tests and the resolution of any
issues or problems identified in such tests shall be performed at the sole discretion and expense of GreenSky.

 

(b)Home Depot
Obligations. Subject to the terms and conditions of this Agreement, Home Depot shall perform the following tasks and such other
tasks as Home Depot and GreenSky shall mutually agree:

 

(i)with respect
to Financing for in-home installation of Goods and Services (“In-Home Financing”), execute either a written
agreement or other agreement permitted by law with each customer, prior to the sale of any Goods and/or commencement of any Services
to be performed at the property of such customer, describing the Goods and Services to be sold and/or performed and including a
quote for such Goods and Services and any related expenses;

 

(ii)subject to
the prior approval and authorization for Financing by GreenSky (the form of which shall be mutually agreed to by the parties to
this Agreement), provide a receipt to each customer indicating the Goods and Services sold;

 

(iii)with respect
to the Project Loan Product, maintain point-of-sale devices and technical and operational systems and equipment necessary to support
acceptance of Project Loan Cards at Home Depot store locations;

 

(iv)bear the cost
of replenishing the stock of Credit Applications and Standard Disclosures (as determined by Home Depot), other than replacements
due to changes to the Credit Applications and Standard Disclosures necessitated by a change in law as contemplated in Section 3(a)(vi)
above;

 

(v)provide the
appropriate resources, as determined by Home Depot, to support, but not guarantee, the minimum volume goals contemplated under
this Agreement;

 

(vi)develop annual
marketing budgets and Annual Marketing Plans;

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(vii)comply with
laws and regulations applicable to Home Depot’s conduct of its activities with respect to the Finance Program; provided,
that GreenSky has advised Home Depot of such requirement pursuant to the terms of Section 3(a)(ix);

 

(viii)in consultation
with GreenSky, provide training and information support materials for Home Depot store personnel in connection with the Finance
Program, which materials Home Depot shall be responsible for disseminating to Home Depot personnel involved with the Finance Program;
and

 

(ix)(A) bear all
credit and fraud risk associated with Accounts due to fraud committed by Home Depot personnel, (B) verify identity of the customer
through a driver’s license or other appropriate means, and (C) be responsible for amounts subject to chargeback to the extent
specified pursuant to (i) mutually agreed upon written procedures entered into by GreenSky and Home Depot or (ii) the MasterCard
procedures specified pursuant to Home Depot’s current merchant agreement with First Data Services, LLC and HSBC Bank USA,
N.A., and otherwise applicable to any other Home Depot transaction (the “MasterCard Procedures”). Home Depot
represents to GreenSky that the MasterCard Procedures referenced in the aforementioned merchant agreement include a right of chargeback
and a commitment to comply with the standard MasterCard rules and regulations.

 

(c)Branding.
Unless otherwise directed by Home Depot or required by applicable law, all customer communications regarding the Finance Program,
whether by internet, paper, email or other method, and all plastic cards issued in connection with the Finance Program, shall prominently
display the Home Depot Trademarks. GreenSky shall display GreenSky Marks and the name, logo or trademark of a third-party lender
that has been approved by GreenSky to provide financing under the Finance Program on the back of plastic cards issued in connection
with the Finance Program or on any such customer communications in a manner determined by GreenSky, in its commercially reasonable
judgment and in accordance with applicable law. In addition, to the extent Home Depot deems appropriate, all communication shall
state clearly that Home Depot is not the lender. Home Depot shall own the designs for all customized plastic cards, excluding a
GreenSky Mark or name, logo or trademark of a third-party lender that has been approved to provide financing under the Finance
Program. Further, GreenSky shall clearly communicate its role in servicing the Finance Program and the role of the respective third-party
lender of record providing financing under the Finance Program to Accountholders.

 

(d)Absentee Transactions;
In-Store Payments.

 

To the extent permitted
by the MasterCard Procedures, Home Depot may, pursuant to the terms of this Agreement and Section 3(e), engage in “card-not-present”
purchase transactions with Accountholders utilizing the phone, computer, internet or any other electronic device or by any other
direct access medium or method where the Accountholder is not present (each an “Absentee Transaction”).

 

(e)Fraud Management.
Home Depot and GreenSky shall perform all commercially reasonable security functions to minimize fraud in the Finance Program due
to lost, stolen or counterfeit plastic cards issued in connection with the Finance Program, fraudulent Credit Applications (as
defined in Section 5(a)(i)) and transaction fraud. GreenSky agrees to commit commercially reasonable systems and other resources,
with respect to the development, establishment and implementation of fraud mitigation strategies, procedures and techniques in
connection with all transactions. During the Term, GreenSky agrees to utilize current payment card industry standards and practices
for fraud mitigation in connection with all transactions. GreenSky shall develop and implement such commercially reasonable procedures
taking into account appropriate servicing of Home Depot customers that shall, among other things, be

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consistent with the following:
the prevailing industry practices of such technology supporting on-line financial transactions that are comparable to the size,
complexity and geographical scope of this Agreement; the prevailing industry practices relating to mitigation techniques and practices
in addressing identity fraud; and the prevailing technology developments in the on-line environment for e-commerce activity that
is critically supported by card transactions, including but not limited to address verification procedures; and other salient mitigation
procedures and techniques that will be useful in the operation of the Finance Program and processing transactions. GreenSky agrees
that it shall provide Home Depot with reasonable prior written notice, including the proposed implementation schedule, of any material
change to any aspect of the Finance Program fraud management policies and procedures. If, in Home Depot’s reasonable commercial
judgment, the change proposed by GreenSky would reasonably be expected to have an adverse effect on Home Depot’s sales, the
operation of the Home Depot business, or the Finance Program, and upon further discussion with GreenSky the issue cannot be mutually
resolved, Home Depot may terminate this Agreement upon thirty (30) days notice.

 

(f)Responsibility
for Funding Participants and Finance Program. [*****]

 

4.RATES
AND TERMS. The rates and terms of financing, including the APR, to be offered to customers of Home Depot for the
Goods and Services under the Finance Program (“Rates and Terms”) as of the Effective Date are set forth on Schedule
4. GreenSky may prospectively change or modify the Rates and Terms (including financing rates) with at least ninety (90) days
prior written notice to Home Depot; provided, however, that GreenSky shall provide Home Depot, in writing and in reasonable
detail, its rationale for such change, together with benchmarking data, including, but not limited to 5-year Treasury rate trends,
internal costs and competitive offerings, that demonstrates how the Finance Program will stack up in the market following such
proposed change. Notwithstanding the foregoing, GreenSky may prospectively change the financing rates for the Finance Program to
reflect changes in market rates upon only thirty (30) days prior written notice to Home Depot, provided that GreenSky shall
provide Home Depot with such notice, also in writing and in reasonable detail, its rationale for such change, together with benchmarking
data, as described above, that demonstrates how the Finance Program will compare to similar products in the market following such
proposed change. If GreenSky proposes an increase in the Rates and Terms as contemplated herein, and Home Depot disputes GreenSky’s
rationale for such increase, a mutually agreed upon third-party provider shall be promptly retained by GreenSky, at GreenSky’s
sole cost and expense, to assess the competitiveness of the Finance Program, as modified by GreenSky’s proposed increase.
If the parties do not agree upon the third-party provider, each shall select a provider and such providers shall select the third
party provider to perform the benchmarking study. The parties shall mutually agree upon the factors to be considered in the benchmarking
study. In the event the results of the benchmarking study reveal that the Finance Program, as modified, is no longer competitive,
the Rates and Terms shall not be increased as GreenSky proposed but shall remain at the then current Rates and Terms.

 

 5. SUBMISSION AND APPROVAL OF CREDIT APPLICATION; NO CREDIT GUARANTEE.

 

(a)With respect to
“in-home” or “in-store” transactions Home Depot (including the Authorized Service Providers) may deliver
Loan Documents (as defined in subsection (ii) below) to any customer seeking financing under the Finance Program and may, with
a customer’s prior written consent, perform the following on behalf of the customer:

 

(i)submit a completed
GreenSky-provided credit application, substantially in the form set forth on Schedule 5(a)(i) attached hereto (“Credit
Application”), to GreenSky by such means as mutually agreed upon in writing by the parties (including by electronic submission);
and

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(ii)receive, and
forward to the Accountholder, loan documents, associated Truth-in-Lending Act disclosures and other documentation and communications
from GreenSky, on behalf of itself and Funding Participants (including documentation regarding online customer accounts and describing
GreenSky’s rights to collect from past due Accountholders), substantially in the form set forth in Schedule 5(a)(i)(ii)
attached hereto (“Loan Documents”). Neither the Credit Application nor the Loan Documents may be changed or
modified except as mutually agreed upon in writing by the parties, except that GreenSky may, upon notice to Home Depot, change
the Loan Documents to the extent required to reflect the requirements of applicable law.

 

(b)Home Depot may,
at its option, include a link on a webpage located on www.HomeDepot.com (“THD Website”) to the Finance
Program’s online Credit Application located at the GreenSky Website. GreenSky shall, at its sole cost and expense, develop
a dedicated webpage on the GreenSky Website for the sole purpose of offering and promoting the Finance Program. Such webpage shall
prominently feature an electronic Credit Application. Upon submittal of a Credit Application by a customer, GreenSky shall process
such Credit Application and provide customers with all Loan Documents and any other required notices and materials. GreenSky agrees
to develop the aforementioned dedicated Finance Program webpage on or before October 1, 2014.

 

(c)Credit Applications
shall be processed as set forth in this Section 5 and upon mutually agreed upon written procedures.

 

(d)Upon submission
of the Credit Application to GreenSky either at point-of-sale (via telephonic or electronic means) or online at the GreenSky Website,
GreenSky shall use an “instant decisioning” process to immediately notify the customer and Home Depot (including, when
known, the Authorized Service Providers) of the approval status of the Credit Application (including whether the Credit Application
requires additional information from the customer) in a manner reasonable and agreeable to Home Depot. In the event the Credit
Application requires manual processing or requires additional information, GreenSky shall in each case immediately, but not later
than within one Business Day of receipt of the Credit Application or such additional information, communicate to the customer and
to Home Depot whether the Credit Application has been approved or declined in a manner reasonable and agreeable to Home Depot.
GreenSky is responsible for the content of all notices of approval or declination required to be provided to customers, including,
but not limited to, Accountholders, pursuant to applicable law and, except where Home Depot’s and GreenSky’s standard
written practices provide for Home Depot to deliver notice of approval (in which event Home Depot shall be responsible for the
delivery), the delivery of all such notices. In addition, GreenSky shall be responsible for the content and delivery of any subsequent
notices, including, for example, any notice of the final payment amount. “Business Day” shall mean a day that
banks are generally open for business in Atlanta, Georgia and shall exclude Saturdays, Sundays and legal holidays.

 

(e)In the event a
material adverse change in an Accountholder’s financial status occurs (including, without limitation, death, bankruptcy,
destruction of the underlying premises with respect to the Services Product or a similar matter), during the applicable Purchase
Period, GreenSky shall have the right to reduce such Accountholder’s line of credit. GreenSky shall immediately notify Home
Depot and the Accountholder of such reduction. Absent a material adverse change in an Accountholder’s financial status as
contemplated in the preceding sentence, amounts that have been approved for funding under the Finance Program shall either be (i)
committed by a federally-insured financial institution, or (ii) deposited in an escrow account, and shall remain in escrow until
the payment of such amounts to Home Depot in accordance with the terms of this Agreement. Such commitment or escrow shall remain
valid (i) during the Purchase Period for the Services Product, (ii) during the Purchase Period for the Project Loan

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Product, and (iii) for
such period of time as agreed to by the parties to this Agreement for future products, if any, offered under the Finance Program.

 

(f)Under no circumstances
shall Home Depot (or any of the Authorized Service Providers) be required to co-sign or otherwise guarantee any credit on behalf
of its customers participating in the Finance Program. Home Depot (including the Authorized Service Providers) makes no representations
or guarantees to GreenSky with respect to the financing volume to be generated under the Finance Program and has no volume requirements
with regard to the number of applications that must be submitted.

 

(g)Except as otherwise
provided by Section 2(a) and Schedule 4, nothing in this Agreement shall limit the ability of GreenSky, on behalf
of Funding Participants, to evaluate the creditworthiness of each applicant and make the determination, at GreenSky’s sole
discretion and in accordance with applicable law, to approve or deny a Credit Application to grant or otherwise extend credit to
the applicant under the Finance Program.

 

(h)Schedule 5(g)
sets forth certain key targets of the approval rates and accommodation rates for the Finance Program. GreenSky shall administer
the Finance Program, in cooperation with Home Depot, pursuant to the terms set forth on Schedule 5(g).

 

6.PAYMENT.
Payments due to Home Depot from GreenSky under this Agreement for Goods and Services with respect to any loan made to a customer
under the Finance Program (including the existing Services Product) are hereinafter referred to as “Payments.”

 

(a)In-Home Financing.

 

(i)Payment for
Services. With regard to In-Home Financing, upon GreenSky’s receipt of a completed executed Services Loan Agreement and
certificate of completion, substantially in the form set forth on Schedule 6(a)(i) attached hereto, (“Certificate of Completion”),
both of which are executed by the customer (or customers or co-signors, as the case may be), Home Depot shall be entitled to receive
Payment for the Goods and Services from GreenSky or Funding Participants, in the amount of the loan to the Accountholder, minus
any applicable down payment paid to Home Depot, if any. At such time as a MasterCard purchasing method is implemented, Home Depot
and GreenSky shall agree to an alternate to the Certificate of Completion. GreenSky shall not reduce the Accountholder’s
line of credit, as contemplated in Section 5(d) above, below the amount funded to Home Depot.

 

(ii)Requirements.
Upon satisfaction of the requirements in Section 6(a)(i) above, GreenSky shall immediately make or, on behalf of Funding Participants,
forward the Payment in full to Home Depot. Home Depot agrees that it shall have no claims against GreenSky for payment upon Home
Depot’s receipt of the Payment with respect to the Services completed in accordance with Section 6(a)(i) above. In addition,
Home Depot agrees that GreenSky is not responsible for making or forwarding the Payment, or any portion thereof, until the requirement
set forth in 6(a)(i) above has been satisfied. All such Payments will be made in full by MasterCard Based Transfers or such other
method as Home Depot and GreenSky agree to in writing. As used in this Agreement, with respect to Payments made to Home Depot under
Section 6(a), “MasterCard Based Transfers” shall mean GreenSky’s Payments to Home Depot, on behalf of
Funding Participants, using GreenSky’s credit card account with MasterCard.

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(b) In-Store Financing.

 

(i) Settlement.

 

(A) All
Charge Transaction Data (as defined in this subsection) will be electronically submitted to GreenSky on a daily basis, and all
charge slips shall be electronically maintained by Home Depot and made available to GreenSky. GreenSky shall not use the Charge
Transaction Data, the charge slips or any information derived therefrom (other than aggregated non-customer specific information),
for any purpose other than the administration of the Finance Program, whether during or after the Term, without Home Depot’s
prior written consent. For purposes of this Agreement, “Charge Transaction Data” shall mean Account or Accountholder
identification and transaction information with regard to each purchase of Goods or Services (“Purchases”) by
Accountholders under Accountholder Agreements and each return of a purchase of Goods for credit to the applicable Accounts, which
data shall be transmitted by Home Depot to GreenSky in accordance with this Agreement and Home Depot’s procedures.

 

(B) Unless
otherwise agreed to by Home Depot in writing, at all times during the Term, GreenSky shall establish and maintain, either directly
or indirectly via GreenSky’s third-party credit card processor, a relationship with MasterCard whereby GreenSky shall cause
MasterCard to provide all authorization and settlement services required for transactions conducted with Project Loan Cards pursuant
to the Finance Program. Further, GreenSky shall qualify with, and maintain its qualification with MasterCard in order to provide
the services set forth in this Agreement.

 

(C) During
the Term, upon receipt, verification and processing of Charge Transaction Data by MasterCard, GreenSky, on behalf of Funding Participants,
shall immediately make Payment in full to Home Depot by MasterCard Based Transfers or such other method as Home Depot and GreenSky
agree to in writing. With respect to Payments made to Home Depot under Section 6(b), “MasterCard Based Transfers”
shall mean Payments made to Home Depot by Accountholders using individual access devices issued by GreenSky. GreenSky shall not
reduce the Accountholder’s line of credit, as contemplated in Section 5(d) above, below the sum of any previously authorized
transactions for such Accountholder in accordance with Section 5(c) above. Home Depot shall immediately make payment to GreenSky,
on behalf of Funding Participants, by credit card based transfers or such other method as Home Depot and GreenSky agree to in writing
of undisputed credits or adjustments relating to returns of Purchases.

 

(D) GreenSky
may not replace MasterCard with a different service provided or assume the authorization and settlement functions performed by
MasterCard without Home
Depot’s prior written consent. If Home Depot elects, in its sole discretion, to provide such consent, then GreenSky and Home
Depot shall enter into an amendment to this Agreement to reflect the revised authorization and settlement terms.

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(E) Consistent
with this Agreement, Home Depot and GreenSky acknowledge that Payments may be settled directly between GreenSky and Home Depot,
instead of through MasterCard or another third party payment card network. Should Home Depot wish to implement such a direct settlement
process, GreenSky agrees to devote appropriate resources to such implementation and to bear all of its own costs with respect thereto
as soon as mutually agreeable authorization and settlement terms and system changes can be agreed to.

 

(ii) Home Depot
shall have the right to cause, during normal business hours and upon no less than thirty (30) days written notice to GreenSky,
a reputable independent third-party auditor (which auditor shall not be currently engaged by either of the parties) to audit and
review the books and records of GreenSky and certify GreenSky’s compliance with all of the material financial terms, quantifiable
service standards and reporting obligations of GreenSky as contemplated by this Agreement. If such audit reveals that GreenSky
materially breached the financial terms of this Agreement, then GreenSky shall pay the costs of the audit. Otherwise, Home Depot
shall pay all costs associated with such audit.

 

(c) MasterCard
Chargebacks. Purchases of Goods and/or Services made by Accountholders utilizing individual access devices issued by GreenSky
will be processed by MasterCard and all related chargebacks, if any, will be processed in accordance with applicable MasterCard
Procedures.

 

(d) GreenSky Chargebacks.
Chargebacks for purchases of Goods and/or Services made by Accountholders via GreenSky’s MasterCard account, and not processed
by MasterCard, if any, will follow the procedures set forth in Sections (6)(d)(i)-(iv) below.

 

(i) The chargeback
procedures which allow GreenSky, on behalf of Funding Participants, to charge back to Home Depot all or a portion of the amount
evidenced by any charge slip or Certificate of Completion, in connection with a Purchase of Goods and Services (a “Charge
Slip”), or credit slip, in connection with a return of a Purchase of a Good (a “Credit Slip”) are
set forth below. These chargeback procedures will apply if, with respect to such Charge Slip, Credit Slip, or the underlying transaction:

 

(A) Any
presentment warranty made by Home Depot proves to be false or inaccurate in any material respect;

 

(B) The
Accountholder asserts any claim or defense against GreenSky as a result of any undisputed act or omission of Home Depot in violation
of any applicable law;

 

(C) The
Accountholder disputes a Charge Slip and Home Depot cannot supply GreenSky with a paper or electronic copy of the Charge Slip within
the period required by law, or as set forth in the mutually agreed upon written procedures;

 

(D) The
chargeback rights with respect to Absentee Transactions are applicable to the extent provided by mutually agreed upon procedures;

 

(ii) In its reasonable
discretion but upon prior notice to Home Depot, GreenSky may compromise and settle any claim made by any Accountholder if such
claim may give GreenSky a right to chargeback in accordance with Section 6(c)(ii). GreenSky may settle such claim in an 

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amount
equal to the amount paid for the disputed Goods and Services, not to exceed the face amount of any Charge Slip or Credit Slip.
In the event of any such compromise or settlement, GreenSky’s right to chargeback shall be limited to the actual amount so
compromised.

 

(iii) If GreenSky
exercises its right of chargeback in accordance with this Agreement, GreenSky shall set off or recoup amounts charged back against
any sums due Home Depot under this Agreement or, if chargebacks exceed sums due Home Depot, GreenSky may demand payment from Home
Depot for the full amount of such excess by netting such amounts against amounts due to Home Depot pursuant to Section 6(b)(i).
If the full face amount or any portion thereof of any Charge Slip is charged back, GreenSky shall assign, without recourse, all
right to payment for such Charge Slip or portion thereof to Home Depot upon Home Depot’s request.

 

(iv) In the event
that (i) an Accountholder asserts any claims or defenses directly against GreenSky or a Funding Participant, (ii) Home Depot itself
is directly obligated to Accountholder pursuant to a warranty as a result of such claim or defense, and (iii) Home Depot has failed
to satisfy such warranty claim pursuant to the terms of applicable warranty and Home Depot’s policy, then GreenSky shall
promptly notify Home Depot in writing of such warranty claim by an Accountholder (a “Warranty Claim”). If Home
Depot fails to satisfy or commence satisfying such Warranty Claim pursuant to its policy within thirty (30) days of receipt of
the applicable written Warranty Claim notice, Home Depot will pay GreenSky, on behalf of the applicable Funding Participant, the
amount of the credit loss to the extent resulting from such claim or defense, not to exceed the amount of Home Depot’s obligation
to the Accountholder under such obligation. If Home Depot elects to satisfy an Accountholder’s Warranty Claim monetarily,
in Home Depot’s sole discretion, Home Depot will use reasonable efforts to credit such amount to the account used to purchase
the Goods and/or Services subject to the Warranty Claim. In no event shall Home Depot ever be required to pay or otherwise satisfy
a Warranty Claim in an amount in excess of the amount paid by the Accountholder for the Goods and/or Services subject to the Warranty
Claim.

 

(e) GreenSky shall
promptly notify Home Depot of all requests by Accountholders for chargebacks. Upon Home Depot’s request, GreenSky shall actively
help Home Depot evaluate chargebacks and provide such other assistance as Home Depot may request in an effort to minimize or eliminate
unnecessary or inappropriate chargebacks.

 

7. CUSTOMER
SERVICE.

 

(a) Customer Service
Inquiries. Neither Home Depot nor any of the Authorized Service Providers shall answer detailed inquiries by customers of GreenSky
concerning GreenSky’s products and services, and GreenSky shall not answer inquiries by customers of Home Depot concerning
Home Depot’s products and services (including those provided by any of the Authorized Service Providers). Home Depot and
GreenSky shall each refer inquiries of customers of the other party concerning the other party’s products and services to
the customer service telephone numbers provided by the other party. Such
other party shall use reasonable efforts to address such inquiries in a timely and effective manner. Notwithstanding the foregoing,
in connection with this Agreement, Home Depot (including the Authorized Service Providers) may furnish GreenSky-provided marketing
materials to, and verbally respond to general inquiries of, intended or existing customers of Home Depot regarding the Finance
Program. Home Depot agrees not to alter any marketing materials that may be furnished to Home Depot by or on behalf of GreenSky.

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(b) Call Centers.
GreenSky shall designate and operate call centers (“Call Centers”) to handle all customer inquiries related
to the Finance Program, including, without limitation: Credit Application service, customer service and fraud. Specifically, the
Call Centers shall perform the following functions:

 

(i) answer, respond
to and otherwise process customer inquiries via (a) live telephone customer service representatives available at the locations
and during the hours of operations as set forth on Schedule 7(b) attached hereto and incorporated herein by reference (which
locations and hours of operation may not be changed or modified except in writing executed by all parties) and (b) mail, facsimile
or other written communication;

 

(ii) resolve customer
disputes, complaints, including resolving disputed transactions, billing and payment discrepancies; and

 

(iii) handle such
additional customer service functions as GreenSky generally makes available in the ordinary course of business in connection with
its finance programs.

 

(c) KPI. GreenSky
shall meet the following key performance indicators (collectively, “KPI”):

 

(i) GreenSky’s
Call Centers shall answer a minimum of [*****] percent ([*****]%) of all customer calls routed to the Call Centers within [*****]
of routing and maintain an abandon rate of less than [*****] percent ([*****]%).

 

(ii) GreenSky shall
meet such other KPI as set forth on Schedule 7(c).

 

(iii) GreenSky shall
provide monthly and quarterly reports to Home Depot on the KPI in accordance with Section 12(b)(i) of this Agreement. In the event
GreenSky fails to maintain the stated KPI in any respect in any given calendar month, upon Home Depot’s request, GreenSky
shall propose, within thirty (30) days after the end of such calendar month, a cure acceptable to Home Depot and shall implement
such cure within an additional thirty (30) days. Upon GreenSky’s failure to either propose or implement such cure to Home
Depot’s satisfaction, Home Depot reserves the right to terminate this Agreement immediately for cause.

 

(iv) GreenSky shall
bear sole responsibility for employing and maintaining the required staffing levels and training and quality measurement levels
as set forth in this Section 7.

 

(d) Collections
Procedures. With respect to any delinquent accounts, GreenSky shall follow the collections procedures consistent with
accepted industry practices and in a manner designed to be consistent with Home Depot’s image and reputation
(“Collections Procedures”). GreenSky’s current Collection Procedures are set forth on Schedule
7(d). The Collections Procedures may be amended or modified
by GreenSky, with the consent of Home Depot, which consent shall not unreasonably be withheld.

 

(e) Customer Service
Quality Assurance. Without limiting any of the foregoing, GreenSky shall develop and prepare, as appropriate, customized scripts,
training manuals, communications, procedures and other related materials or policies tailored for treatment of customers of Home
Depot, which materials may be reviewed by Home Depot at any time. Subject to Section 12, GreenSky shall provide Home Depot with
an opportunity to review such materials and practices, including inspection and monitoring by Home Depot, under the supervision
of GreenSky’s representatives, of Call Center activities

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(either by remote access
or at the locations and during the hours set forth on Schedule 7(b)), so long as such review, inspection or monitoring
shall not unreasonably impede GreenSky’s ordinary course of business or GreenSky’s ability to meet its obligations
hereunder. In the event Home Depot reasonably believes that GreenSky’s customer service materials or GreenSky’s performance
of customer service functions do not meet the Home Depot standards and requirements, GreenSky and Home Depot shall consult with
each other in good faith, and, except to the extent prohibited by applicable law, GreenSky shall promptly take corrective actions
to address any concerns raised by Home Depot and otherwise meet Home Depot standards and requirements. Home Depot reserves the
right to terminate this Agreement immediately upon GreenSky’s failure to comply with its obligations set forth in this Section
7(e).

 

8. INTELLECTUAL
PROPERTY.

 

(a) Home Depot agrees
not to use GreenSky’s name, logos or the name of the Finance Program in any advertisements, flyers or any other communications
or materials without GreenSky’s prior written consent; provided, however, that subject to the terms and conditions
of this Agreement, during the term of this Agreement, GreenSky hereby grants Home Depot a non-exclusive limited license to use
GreenSky’s name, logos and trademarks in connection with the Finance Program, subject to and in the manner provided in this
Section 8. In the event that Home Depot is permitted to use such GreenSky Marks, Home Depot agrees to append the symbol “®”
to the first use in any document of any federally-registered GreenSky Mark. Home Depot further agrees to append the symbol “o”
to the first use in any document of any unregistered GreenSky service mark, or to append the symbol “TM” to the
first use in any document of any registered GreenSky trademark.

 

(b) Home Depot acknowledges
GreenSky’s (and its affiliates’) proprietary interest in and to all of its (and its affiliates’) trademarks,
trade names, logos, service marks, trade styles, trade dress and other proprietary identifying marks (“GreenSky Marks”).

 

(c) In the event
that GreenSky consents to Home Depot’s requested use of GreenSky Marks (or Home Depot’s use is otherwise permitted
pursuant to Section 8(a)), GreenSky shall have the right to require that Home Depot’s use of GreenSky Marks be done in accordance
with graphic standards and similar criteria provided by GreenSky. GreenSky shall have the right to inspect Home Depot’s use
of GreenSky Marks. In the event that GreenSky believes that Home Depot’s use of GreenSky Marks or Home Depot’s manner
of conducting its operations risks dilution, disparagement or other loss of protection in GreenSky Marks, GreenSky shall provide
notice to Home Depot regarding such deficient use and a reasonable method of cure. Home Depot agrees to use commercially reasonable
efforts to cure such deficiency as expeditiously as possible. Home Depot recognizes and acknowledges that it acquires no right,
title or interest in or to any GreenSky Marks by virtue of this Agreement or any use of such GreenSky Marks, and hereby waives
any right to or interest in such GreenSky Marks other than the specific limited rights granted hereunder.

 

(d) GreenSky agrees
not to use the name or logo of Home Depot or of its affiliates, or any abbreviation or adaptation thereof, in any Credit Application
or Loan Documents, advertising, flyers, trade display, or published statement or press release (including any communications with
the media), or any written materials intended for any commercial purpose, without the prior written consent of Home Depot (in
its sole discretion); provided, however, that subject to the terms and conditions of this Agreement, during the
term of this Agreement, Home Depot hereby grants GreenSky a non-exclusive limited license to use the Home Depot trademarks set
forth on Schedule 8(d) (the “Home Depot Trademarks”) in connection with the plastic cards issued in
connection with the Finance

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Program and related
accounts, subject to and in the manner provided under this Section 8. Each plastic card issued in connection with the Finance
Program shall feature and display, (i) on the face thereof, the Home Depot Trademarks; provided, however, that the
final determination as to the layout, size, design, style, location and placement of each of the foregoing branding features shall
be made by Home Depot in its sole discretion in accordance with this Section 8(d), subject to compliance with the requirements
of applicable law, and (ii) on the reverse or back side thereof, such customary and standard information as may be required pursuant
to applicable law. Home Depot reserves the right to terminate this Agreement immediately upon GreenSky’s failure to comply
with this Section 8(d). Notwithstanding the foregoing, GreenSky may use the name of Home Depot or its affiliates, or any abbreviation
or adaptation thereof, in written materials to the extent required by applicable law or regulation. For the avoidance of doubt,
the Home Depot Trademarks shall be used by GreenSky only in the form, style, type and manner prescribed by Home Depot from time
to time in connection with the Finance Program (except that if the names or marks are used within the body of ordinary copy they
may be in the same form, style and type as the copy). GreenSky acknowledges that any violation of this Section 8(d) could cause
such irreparable harm to Home Depot that damages for such harm may be incapable of precise measurement and that, as a result,
Home Depot may not have an adequate remedy at law to redress the harm caused by such violations. Therefore, in the event of an
alleged violation of this Section 8(d), GreenSky agrees that, in addition to its other remedies, Home Depot shall be entitled
to seek injunctive relief and other equitable remedies, including, but not limited to, immediate temporary injunction, temporary
restraining order and/or preliminary or permanent injunction to restrain or enjoin any such violation.

 

(e) Neither Home
Depot nor GreenSky shall create any links between the websites of Home Depot (including its affiliates) and the websites of GreenSky
(including its affiliates) regarding the Finance Program or Home Depot’s products and services without prior mutual consent.

 

9. MARKETING.

 

(a) Marketing
Activities.

 

(i) Annual Marketing
Plan and Costs. Home Depot, with consultation from GreenSky, shall develop and review annual marketing plans, setting forth
all marketing activities to be conducted in the selected marketing channels for each calendar year.

 

(ii) Marketing
Expenses. Except as otherwise set forth herein, marketing expenses in support of the Finance Program shall be borne by GreenSky
and shall include:

 

(A) plastics
mailed to Accountholders, statements and regulatory mailings;

 

(B) direct
mail activation and acquisition programs for new/existing Home Depot customers;

 

(C) pre-statement
notices of available credit mailed during each month of the applicable Purchase Period; and

 

(D) replacement
Credit Applications (or other change to the application or application process) resulting from, in connection with or arising out
of a change in applicable law or the interpretation of such law.

 

The parties will cooperate
in a timely fashion to determine the mutually agreeable form and substance of all materials and efforts contemplated under (B)
– (D) above. Additionally, the parties may

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mutually agree upon additional marketing programs and any related costs, including
but not be limited to, telemarketing, test programs, internet marketing and store credit contests, For purposes of clarity, none
of the marketing expenses set forth above in this Section 9(a)(ii) shall be included as part of the Initial Marketing Expenses.

 

(iii) Reorder
of Applications. In the event any Home Depot store has used the initial Credit Applications provided by GreenSky and reorders
the then current Credit Applications, then Home Depot shall be responsible for the direct external costs associated with the replenishment
of the Credit Applications.

 

(iv) Signage
Expenses. In the event that Home Depot unilaterally requests a change in the in-store signage which is not required or advisable
under applicable law (an “Elective Change”), GreenSky shall undertake to promptly implement such Elective Change,
all at Home Depot’s expense. If GreenSky and Home Depot mutually agree in writing that a change in signage is desirable (but
not required or advisable under applicable law), the expenses of such change in signage shall be borne by Home Depot. Any other
changes to in-store signage, whether required or advisable under applicable law, unilaterally requested by GreenSky or otherwise,
shall be implemented at GreenSky’s sole expense.

 

(v) The Annual Marketing
Plan shall be reviewed and revised quarterly during each calendar year by the parties. In the event the parties cannot agree upon
the Annual Marketing Plan for any year, the Annual Marketing Plan for the previous year shall continue to be applicable and binding
upon the parties.

 

(b) Marketing
Projections Reporting. For all marketing campaigns conducted pursuant to this Agreement, GreenSky shall provide reporting to
Home Depot, which shall include the campaign selection and expectations (projected volumes and projected return on investment),
credit criteria, pricing, and expected credit lines prior to the scheduled start of the campaign. GreenSky shall provide Home Depot
with performance analysis at regular, mutually agreed intervals to enable Home Depot to track each campaign/solicitation separately.

 

(c) Development
and Review of Program Materials. Home Depot and GreenSky shall have the following responsibilities for the development of Account
Materials, Targeted Solicitation Materials, Fulfillment Materials, General Advertising Materials and Home Depot Statement Inserts
(each, as defined below and, collectively “Program Materials”):

 

(i) Account Materials.
GreenSky shall develop and prepare all account materials, including Credit Applications, accountholder agreements, customer service
letters, card carriers, billing statements, adverse action letters, change in terms announcements, usage and retention communications
and legal disclosures (collectively, “Account Materials”). Except (i) as otherwise provided by Section 3(b)(iv)
with respect to replacement Credit Applications and (ii) other Home Depot branded materials delivered by Home Depot to GreenSky
for distribution to Accountholders, GreenSky shall be responsible for all costs and expenses related to or associated with Account
Materials, including any production and/or distribution costs. GreenSky shall provide Home Depot with an opportunity to review
the Account Materials and shall react appropriately to any concerns raised in a timely manner by Home Depot prior to implementation.

 

(ii) Targeted Solicitation
Materials and Fulfillment Materials. GreenSky may develop direct mail pieces, telemarketing scripts, take-one applications,
and other related materials that target prospective accountholders (collectively, “Targeted Solicitation Materials”)
and welcome kits for

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new Accountholders, and other related informational pieces for Accountholders (collectively,
“Fulfillment Materials”). GreenSky shall provide Home Depot with an opportunity to review and approve the Targeted
Solicitation Materials and Fulfillment Materials and shall react appropriately to any concerns raised by Home Depot in a timely
manner prior to implementation. Subject to Section 8, Home Depot and GreenSky shall agree in advance upon the design, content,
style, form and all other elements and components of all Targeted Solicitation Materials and Fulfillment Materials. In the event
Home Depot does not approve the Targeted Solicitation Materials or Fulfillment Materials in writing in advance, GreenSky shall
not use such materials in connection with the Finance Program or distribute them to Accountholders or prospective Accountholders.

 

(iii) General
Advertising Materials. Home Depot shall develop store circulars, newspaper inserts, store information and other advertising
materials for the Finance Program (collectively, “General Advertising Materials”), all at Home Depot’s
expense. GreenSky shall provide Home Depot with Standard Disclosures to be used by Home Depot in General Advertising Materials.
Home Depot shall produce General Advertising Materials in compliance with the Standard Disclosures or shall present General Advertising
Materials to GreenSky for its timely review and approval. General Advertising Materials produced by Home Depot in compliance with
the Standard Disclosures shall be deemed to be approved by GreenSky with respect to the Standard Disclosures. Notwithstanding anything
in this Agreement to the contrary, GreenSky shall be solely responsible for, and shall indemnify Home Depot and its affiliates
against, any claims, damages and expenses, including reasonable attorneys’ fees, incurred by Home Depot or its affiliates
as a result of its correct use of Standard Disclosures and any other credit disclosures approved by GreenSky, under this Section
9(c)(iii).

 

(iv) Statement
Inserts. In addition to the Initial Marketing Expenses paid by Home Depot, Home Depot shall pay for the development of inserts
and/or onserts offering Goods and Services (“Statement Inserts”). Home Depot shall pay for costs associated
with Statement Inserts to extent such costs relate solely to the promotion of Home Depot Goods and Services; GreenSky shall be
responsible for all other costs and expenses associated with Statement Inserts. Statement Inserts shall be subject to the reasonable
approval of both Home Depot and GreenSky. In particular, GreenSky shall not include any Statement Inserts with information or promotions
that Home Depot determines to be objectionable.

 

(v) Disclosures.
For disclosures required under applicable law in connection with the Finance Program, GreenSky shall have the right, after consultation
with Home Depot, to make any such determinations in its sole discretion for Program Materials. GreenSky shall pay for all costs
and expenses associated with or related to disclosures required by applicable law, including, where applicable, for plastic cards
issued in connection with Finance Program; provided, however, if Home Depot specifically requests a disclosure that is not required
or advisable under applicable law, Home Depot will be responsible for the costs and expenses associated with such a requested change
in the disclosures.

 

(vi) Home Depot
Disclosures. For disclosures required under applicable law specifically for Home Depot’s business, Home Depot shall have
the right, after consultation with GreenSky, to make any such determinations in its sole discretion for Program Materials.

 

(d) Minimum Volume
Goals. The expected minimum finance volumes for the Finance Program are set forth on Schedule 9(d) (the “Minimum
Volume Goals”).

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10. CONFIDENTIAL
INFORMATION; DATA.

 

(a) Home Depot
Confidential Information.

 

(i) From time to
time, Home Depot may disclose or make available to GreenSky, whether orally or in physical form, confidential or proprietary information
concerning Home Depot and/or its business, products or services (“Home Depot Confidential Information”) in connection
with this Agreement. Home Depot Confidential Information shall also include (a) the information and materials identified on Schedule
10(a) to this Agreement, (b) any other information or materials which Home Depot treats as confidential and proprietary and
does not disclose publicly, and (c) any modifications or derivatives prepared by GreenSky that contain or are based upon Home Depot
Confidential Information, including analyses, reports or summaries of that information.

 

(ii) GreenSky shall
only use Home Depot Confidential Information as directed by Home Depot. GreenSky must not use Home Depot Confidential Information
at any time, in any fashion, form or manner, for any other purpose. (For the avoidance of doubt, under no circumstances shall GreenSky
sell Home Depot’s customer data to any third party without Home Depot’s prior written approval.) GreenSky shall protect
the confidentiality of Home Depot Confidential Information in the same manner that it protects the confidentiality of its own proprietary
and confidential information and materials of like kind, but in no event using less than a commercially reasonable standard of
care. When applicable, GreenSky shall take all commercially reasonable steps required to avoid inadvertent disclosure of materials
in its possession. Home Depot Confidential Information shall at all times remain the property of Home Depot. No license under any
trade secrets, copyrights, or other rights is granted under this Agreement or by any disclosure of Home Depot Confidential Information
under this Agreement. Home Depot Confidential Information must not be copied or reproduced by GreenSky without Home Depot’s
prior written approval. All Home Depot Confidential Information, including copies thereof, must be promptly returned to Home Depot
upon the first to occur of (a) the termination of this Agreement, and (b) request by Home Depot. Nothing in this Agreement shall
prohibit or limit GreenSky’s use of information (i) previously known to GreenSky, (ii) acquired by GreenSky from a third
party which was not, to GreenSky’s knowledge, under an obligation to Home Depot not to disclose such information, or (iii)
which is or becomes publicly available through no breach by GreenSky of this Agreement. If GreenSky receives a subpoena or other
validly issued administrative or judicial process demanding Home Depot Confidential Information, GreenSky shall promptly notify
Home Depot and tender to it the defense of such demand. Unless the demand has been timely limited, quashed or extended, GreenSky
shall thereafter be entitled to comply with such demand to the extent required by law. If requested by Home Depot, GreenSky shall
cooperate (at the expense of GreenSky) in the defense of a demand. GreenSky is responsible for any breach of the confidentiality
provisions of this Section by its employees and/or professional
advisors; and such employees and/or professional advisors shall be bound by obligations of nondisclosure and limited use at least
as stringent as those contained herein.

 

(b) Definitions
of Data.

 

(i) Account Data.
As used in this Agreement, “Account Data” means information relating to specific Accounts that is obtained,
generated or created in connection with Account processing and maintenance activities, including Credit Application processing,
Account statementing, customer service and collections. Account Data shall include transaction data, customer service and collections
data, telephone logs and records and other documents and information necessary for the processing and maintenance of Accounts.

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(ii) Accountholder
Data. As used in this Agreement, “Accountholder Data” means information regarding current Accountholders,
including name, postal address, email address, telephone number, date of birth, charge transaction data, campaign management information,
demographic data, and aggregate data derived from Account Data; provided, however, that Accountholder Data may include
credit data relating to Accountholders in the aggregate, but shall not include information that would constitute “Consumer
Reports” (as defined by the Fair Credit Reporting Act, 15 U.S. C. § 1681) or any derivative thereof (“Accountholder
Credit Data”).

 

(c) Use of Account
Data, Accountholder Data, Accountholder Credit Data and Program Materials. GreenSky, Home Depot, their affiliates and any third
party permitted to provide services on each party’s behalf under this Agreement may use all Account Data, Accountholder Data
and Program Materials, in connection with the discharge of their respective obligations or exercise of their respective rights
under this Agreement and the holder of such data and information, subject to holder’s privacy policy, agrees to make available
such data or information to the other party in a manner mutually agreed for the other party’s data extraction and analysis.

 

(d) Limitations
on the Use of Account Data, Accountholder Data and Accountholder Credit Data. Neither GreenSky, nor its affiliates or third-party
lenders may, without the prior written consent of Home Depot:

 

(i) [*****]

 

(ii) [*****]

 

(iii) As a matter
of clarification and notwithstanding anything to the contrary contained in this Agreement, GreenSky may share the number of accounts,
number of transactions, aggregate transaction volumes and associated losses, (the “Program Data”) with actual
and potential third-party lenders that are bound by a customary and enforceable confidentiality obligation with respect to that
data, and have been approved or may be approved by GreenSky to provide financing under the Finance Program; provided, however,
that the Program Data shall not include personally identifying information.

 

(iv) Notwithstanding
anything herein to the contrary, GreenSky shall be liable to Home Depot (i) for the unauthorized disclosure or use of Account Data,
Accountholder Data or Accountholder Credit Data (or other breach of terms of this Section 10) by GreenSky, its third party lenders,
or prospective third party lenders or any of their employees, officers, directors, shareholders, agents, representatives or other
affiliates, and (ii) in the event that the disclosure or use of Account Data, Accountholder Data or Accountholder Credit Data by
GreenSky, its third party lenders, or prospective third party lenders or
any of their employees, officers, directors, shareholders, agents, representatives or other affiliates violates applicable laws
and regulations, including any data security rules and regulations of MasterCard or any other applicable payment network.

 

(e) Compliance
with Policies and Privacy Laws. GreenSky, on behalf of itself and its agents, service providers, third party lenders, affiliates
and employees (collectively, the “GreenSky Parties”) shall comply with all Home Depot policies regarding access,
transmission, storage and use of Home Depot Confidential Information, Account Data, Accountholder Data and other proprietary information
designated by Home Depot (“Covered Information”) and shall use commercially reasonable security measures, for
its computer systems which safeguard against (1) the unauthorized destruction, loss, alteration of or access to Covered Information
(whether such information is on GreenSky Parties’ systems or facilities, in transit or being disposed of); and (2) the services
being provided to Home Depot hereunder 

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being affected or interrupted.
Home Depot may, from time to time, notify GreenSky of additional, new or updated security requirements and GreenSky shall ensure
that all GreenSky Parties comply with such security requirements within thirty (30) days of receipt of such notice. In the event
GreenSky is not willing to make such security requirements, Home Depot may terminate this Agreement with thirty (30) days notice
to GreenSky. No Covered Information shall be sold, assigned, leased to a third party or otherwise disposed of by GreenSky Parties.
GreenSky shall ensure that the systems of GreenSky accessing or using Covered Information or containing Covered Information shall
be logically separated from those systems supporting third parties. Further, GreenSky, on behalf of itself and the GreenSky Parties,
further agree to comply with all federal, state and applicable international privacy and data security laws and regulations applicable
to GreenSky (“Privacy Laws”) and all applicable Payment Card Industry Data Security (“PCIDS”)
standards in the course of collecting, using, modifying, retrieving, disclosing, storing, anonymizating, deleting and/or managing
Covered Information in connection with the Finance Program. For example, where applicable, GreenSky shall ensure that GreenSky
and the GreenSky Parties shall implement and maintain appropriate security measures in accordance with 201 CMR 17.00: Standards
for The Protection of Personal Information of Residents of the Commonwealth of Massachusetts.

 

(f) Security Incident
Notification. If GreenSky believes of, or has reason to believe of, by inference due to circumstance, any (1) unauthorized
destruction, loss, alteration of or access to Covered Information; or (2) any breach or potential breach of the safety and security
procedures (a “Security Incident”), GreenSky shall (a) promptly notify Home Depot of such Security Incident
pursuant to the notice provision set forth in Section 15, (b) promptly, in consultation with Home Depot, start an investigation
of the Security Incident and take all appropriate actions to remediate the effects of the Security Incident and mitigate any risk
that may arise from the Security Incident, (c) preserve all records and other evidence relating to the Security Incident, (d) provide
Home Depot with a written report on outcome of its investigation including any risk to Covered Information, the corrective action
GreenSky will take, or has taken, to respond to the Security Incident and such other information as Home Depot may reasonably request,
and (e) provide Home Depot with assurance satisfactory to Home Depot that such Security Incident shall not recur. GreenSky shall
comply with all applicable Privacy Laws in connection with notifying affected customers, including, but not limited to, Accountholders,
concerning a Security Incident, and disclosures to appropriate governmental authorities regarding the Security Incident. Home Depot
may also, at its option, disclose the occurrence of a Security Incident in connection with notice to Home Depot’s customers,
potential customers, employees or governmental authorities and law enforcement agencies. GreenSky shall cooperate in good faith
regarding the timing and manner of any notification to affected parties concerning a Security Incident, and disclosures to appropriate
governmental authorities. GreenSky agrees to reimburse Home Depot for any losses incurred in connection with a Security Incident
including, without limitation, the cost of reconstructing data and notifying and providing
credit monitoring services to affected parties, except, to the extent that the Security Incident was the result of action or inaction,
including negligence, by Home Depot.

 

 

(g) Remedies for
Breach. GreenSky recognizes that serious injury could result to Home Depot and its business if GreenSky breaches its obligations
under this Section 10. Accordingly, GreenSky agrees that Home Depot will be entitled to a restraining order, injunction or other
equitable relief if GreenSky breaches the aforementioned obligations, in addition to any other remedies and damages that would
be available at law or equity.

 

11. TERM
AND TERMINATION.

 

(a) The term of this
Agreement commenced on the Original Agreement Effective Date and shall extend through and including January 1, 2021 (the “Initial
Term”). Home Depot may extend the 

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term of this Agreement
upon mutually agreed upon terms by providing six (6) months prior written notice to GreenSky.

 

(b) Upon bankruptcy
(whether voluntary or involuntary) or insolvency of either party, the other party shall have the right to terminate this Agreement
immediately.

 

(c) Either party
may terminate the Project Loan Product upon thirty (30) days notice to the other party if the Minimum Volume Goals set forth on
Schedule 9(d) are not satisfied for the prior annual period.

 

(d) If either party
shall fail to perform any material agreement, term, covenant or condition included in this Agreement or breach in any material
respect any of its representations and warranties included in this Agreement and such failure or breach shall continue uncured
to the other party’s satisfaction (as determined in such party’s commercially reasonable judgment) for a period of
thirty (30) days after written notice thereof from the non-breaching party, then the non-breaching party may elect to terminate
this Agreement.

 

(e) In the event
that the requirements of Phase 1 or Phase 2 of the Roll Out, as set forth in Schedule 2(e), are not met on the applicable
dates and during such period specified on Schedule 2(e), Home Depot may, at its election, terminate the Project Loan Product
subject to the restrictions of Section 2(e). Notice of such termination, must be received within thirty (30) days after the expiration
of the scheduled Roll Out Period for the applicable Phase (as specified on Schedule 2(e)) and Project Loan Product will be terminated
thirty (30) days after receipt of such termination notice.

 

(f) Termination
for Change in Law or GAAP.

 

(i) If either party,
in its commercially reasonable judgment, determines that any change in law or Generally Accepted Accounting Principles (“GAAP”)
would require the Finance Program assets to be placed on Home Depot’s books and records, such party shall provide reasonable
prior written notice to the other party of its determination. The parties shall, in good faith, discuss whether such change would
require the Finance Program assets to be placed on Home Depot’s books and records. If the parties determine that such change
would require the Finance Program assets to be placed on Home Depot’s books and records, the parties shall, in good faith,
develop and implement a course of action acceptable to both parties that would not have a material adverse effect on Home Depot’s
sales, or the operation of either party’s business, or the Finance Program. In the event (a) the parties cannot (i) mutually
agree upon whether the change in law or GAAP would require the Finance Program assets to be placed on Home Depot’s books
and records, or (ii) agree upon a course of action acceptable to both parties that would not have a material adverse effect on
Home Depot’s sales, the operation of the Home Depot business, or the Finance Program, and (b) if such change would require
the Finance Program assets to be placed on Home Depot’s books or records, Home Depot shall have the right to terminate this
Agreement prior to the effective date of such change.

 

(ii) In the event that
any change in any applicable law makes the continued performance of this Agreement under the then current terms and conditions
commercially impractical or illegal, the parties will use good faith efforts to modify the Finance Program and provisions of this
Agreement to continue performance of this Agreement in a legal and commercially reasonable manner. If the parties are unable to
reach agreement on the acceptable modifications to this Agreement within thirty (30) days, either party then may terminate this
Agreement upon ninety (90) days advance written notice or sooner as may be required by applicable law. Such written notice shall
include a detailed explanation and 

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evidence of the commercial impracticality or illegality imposed as a result of such change
and the terminating party’s inability to continue with performance under the Agreement as then structured. Such termination
shall be without liability, penalty or damages to the terminating party.

 

(g) Termination
by Home Depot. Home Depot may terminate this Agreement:

 

(i) immediately
pursuant to the terms set forth in Sections 3(e), 3(f), 7(c)(iii), 7(e), 8(d) or 10(e), 12(f)(ii), 12(g) or Schedule 5(g);

 

(ii) immediately
in the event that Home Depot reasonably determines that the Finance Program involves the provision of an open-ended line of credit
to Home Depot customers;

 

(iii) [*****]; or

 

(iv) immediately
in the event Home Depot reasonably determines that its continued participation in the Finance Program with GreenSky will have a
material adverse impact on its business or reputation; or

 

(h) Following termination
of this Agreement, Home Depot shall cease using any and all materials supplied by GreenSky, shall cease using any and all intellectual
property of GreenSky, including, without limitation, any GreenSky Marks, and shall immediately destroy any printed materials containing
any GreenSky Marks. Termination of this Agreement shall not terminate, affect or impair any rights, obligations, or liabilities
of either party which may accrue prior to such termination, nor shall termination otherwise impact the rights and responsibilities
of the parties under this Agreement, which, either by their nature or as expressly stated herein, are continuing and would survive.
In the event of termination, this Agreement shall continue to apply to any ongoing Goods and Services not yet completed by Home
Depot, and to any loans and loan applications approved by GreenSky prior to any termination.

 

(i) In the event
that the interest rate of five-year U.S. treasury notes (as published by Bloomberg) increases by more than [*****] points above
such rate as of the Prior Agreement Effective Date, Home Depot and GreenSky will engage in good faith discussions and negotiations
regarding possible modifications to the arrangements set forth in this Agreement. After such good faith discussions and negotiations,
if Home Depot and GreenSky do not agree upon modifications and arrangements to this Agreement, Home Depot and GreenSky shall agree
to terminate this Agreement.

 

12. RECORDS;
REPORTS; QUARTERLY REVIEWS.

 

(a) Pursuant to applicable
laws and regulations, not limited to financial privacy regulations, Home Depot and GreenSky shall each keep and maintain at its
principal place of business appropriate books and records relating to its activities under this Agreement for a minimum of six
(6) years after the expiration of the loans. Not later than sixty (60) days after the end of each fiscal year, GreenSky shall provide
to Home Depot a copy of its consolidated financial statements in a format reasonably satisfactory to Home Depot, which shall allow
Home Depot to review and verify the profitability of the portfolio of loans made pursuant to the Finance Program. In addition,
GreenSky shall from time to time provide to Home Depot in a format requested by, and reasonably satisfactory to Home Depot, loan
or underwriting documentation generated under the Finance Program and the complete list of third-party lenders that have been approved
by GreenSky to provide financing under the Finance Program, including (without limitation) a breakdown of the total amount of financing
committed by such third-party lenders. GreenSky shall immediately notify Home Depot upon the occurrence of any event affecting
any of such

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approved third-party lenders that are reasonably expected to have a material adverse effect on GreenSky’s ability
to continue to underwrite loans under the Finance Program. In addition, from time to time, GreenSky shall (i) answer in reasonable
detail any questionnaires or other written or oral communications relating to this Agreement from Home Depot or its outside auditors,
attorneys or other designees, and (ii) at reasonable times and upon reasonable notice from Home Depot, shall make its books and
records related to this Agreement available to Home Depot or its outside auditors, attorneys or other designees.

 

(b) Monthly/Quarterly
Reports. GreenSky shall provide to Home Depot monthly and quarterly standardized reports in the format requested by Home Depot
with respect to the preceding calendar month or quarter (in each case, for the applicable month or quarter and year-to-date, and
to the extent available), including (without limitation):

 

(i) the aggregate
number of Credit Applications processed, approved, declined and funded by 10-point FICO bands, including the average FICO score
for approved Credit Applications, the average FICO score for declined Credit Applications (including reasons for the declines)
and the APR distribution and term distribution;

 

(ii) the volume
of customer inquiries at the Call Centers, including a breakdown of live calls and other correspondence, and the Call Center KPI
as described in Sections 7(b) and 7(c) hereof;

 

(iii) a summary
of customer complaints and disputes, including copies of specific complaints and responses thereto by GreenSky; and

 

(iv) any other account,
performance or customer service data points or metrics as mutually agreed upon by the parties.

 

GreenSky’s monthly
and quarterly reports shall be provided at no cost to Home Depot, in either paper or electronic format, not later than the fifth
day following the end of the preceding calendar month or quarter.

 

(c) Weekly Reports.
In addition to the monthly and quarterly reports, GreenSky shall provide to Home Depot weekly standardized reports that assign
either an “Approved,” “Contracted” or “Funded” status to all applicants under the Finance Program,
including a summary of (i) all customers who have been assigned the “Approved” status but not “Contracted”
status more than twenty (20) days following the initial
credit approval date and (ii) all customers who have been assigned the “Contracted” status but not “Funded”
status more than seventy (70) days following the initial credit approval date.

 

For purposes of this
Section 12(c), “Approved” shall mean that GreenSky has approved the Credit Application and has made an offer
of credit under the Finance Program to the customer; “Contracted” shall mean that the customer has executed
a Services Loan Agreement or Project Loan Agreement with the applicable lender under the Finance Program and a customer agreement
with Home Depot with respect to the Services Product; and “Funded” shall mean that any Payment due with respect
to a customer’s account has been made in full to Home Depot.

 

GreenSky’s weekly
reports shall be provided at no cost to Home Depot, in either paper or electronic format, on the Monday of each calendar week (or,
if such Monday is a legal holiday, on the immediately following Business Day) and shall contain, at a minimum: the customer’s
name, phone number(s) and address, the date of the Credit Application, the date of the initial credit approval, the expiration
date of the credit approval, the order number, an itemized description of the installation projects, including the dollar value

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of such projects, the name of the third-party lender (or, if applicable, GreenSky) that has agreed to provide the credit for such
customer, and (to the extent known) the name, phone number(s) and address of the Authorized Service Provider.

 

(d) Transition.
To the extent that Sections 12(b) or 12(c) requires GreenSky to provide reports that GreenSky as of the Prior Agreement Effective
Date does not provide, GreenSky shall have until end of the third full month following the Prior Agreement Effective Date to commence
providing those reports.

 

(e) Quarterly
Reviews. GreenSky and Home Depot shall each designate at least one representative (each a “Representative”)
who shall jointly conduct quarterly reviews of the Finance Program, in order to (i) discuss the periodic reports provided by GreenSky,
(ii) promptly evaluate and give reasonable consideration to any desired modifications to the Finance Program as may be proposed
by GreenSky or Home Depot, (iii) share and discuss any opportunities, costs and other market intelligence obtained or developed
by GreenSky or Home Depot for purposes of enhancing the Finance Program, (iv) discuss and resolve any disputes arising out of,
relating to or in connection with this Agreement or Finance Program (in accordance with Section 18 below), and (v) address any
other matters pertaining to this Agreement or the Finance Program.

 

(f) Benchmarking.

 

(i) The parties
shall engage a reputable third-party provider reasonably acceptable to both parties to conduct a benchmarking study to assess the
competitiveness of the Finance Program for each calendar year during the Term (commencing in 2012 for calendar year 2011 review
purposes) based on factors as mutually agreed upon by the parties, including the applicable Rates and Terms and other factors of
the Finance Program directly affecting customer costs and terms. The third-party provider commissioned with conducting such benchmarking
study shall be selected by Home Depot and the costs and expenses of engaging such third-party provider shall be borne by Home Depot.
The benchmarking study shall be commenced in January of the year following the applicable calendar year and shall be completed
as soon as practical thereafter.

 

(ii) In the event
another lender makes a bona fide offer to provide to Home Depot a program substantially similar to the Finance Program which is
more favorable to Home Depot (a “New Offer”), as evidenced by the most recent benchmarking study completed pursuant
to this Section 12(f), Home Depot may
terminate this Agreement upon ninety (90) days written notice to GreenSky; provided, however, that the termination
notice shall describe in reasonable detail the terms of such New Offer and GreenSky shall have thirty (30) days from receipt of
such termination notice to match the terms of the New Offer by providing written notice of its intention to do so to Home Depot
(the “GreenSky Response Notice”). In the event GreenSky provides a GreenSky Response Notice indicating its intention
to match the terms of the New Offer, Home Depot and GreenSky shall have sixty (60) days to negotiate in good faith an amendment
to this Agreement evidencing the new terms to the Finance Program. If at the end of such sixty (60) day period, the parties are
unable to agree on definitive documentation evidencing the new terms to the Finance Program, this Agreement shall terminate, Home
Depot shall be free to enter into a new agreement pursuant to the New Offer and the parties shall work in good faith to transition
or phase out, as applicable, the Finance Program. In addition to the foregoing, GreenSky and Home Depot agree to work together
in good faith to keep the Finance Program competitive with similar programs offered by other lenders.

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(g) In addition to
the audit rights described in Section 6(b)(ii) above, Home Depot shall have the right to cause, during normal business hours
and upon no less than thirty (30) days written notice to GreenSky, a reputable independent third party auditor (which auditor shall
not be currently engaged by either of the parties) to audit and review the financial statements of GreenSky once per year to ensure
that GreenSky has sufficient resources and is sufficiently financially sound, as determined in Home Depot’s sole discretion,
to continue operations as a going concern and to continue offering and servicing the Finance Program. If Home Depot, in its sole
discretion, determines that GreenSky does not have sufficient resources or is not sufficiently financially sound to continue operations
as a going concern or to continue offering and servicing the Finance Program, then Home Depot may immediately terminate this Agreement
upon written notice to GreenSky.

 

13. INDEMNIFICATION.
Home Depot and GreenSky shall each (in such capacity, “Indemnitor”) indemnify, hold harmless and defend the
other party and its affiliates, officers, directors, and employees (in such capacity, “Indemnitee”) from and
against any and all liabilities, obligations, losses, claims, damages, actions, suits, proceedings, investigations, demands, assessments,
adjustments, settlement payments, costs and expenses (including reasonable attorneys’ fees and expenses), and deficiencies
suffered, sustained, incurred or paid by the Indemnitee (collectively, “Losses”) in connection with, resulting
from, relating to or arising out of any of the following: (a) any breach by the Indemnitor of any representation or warranty set
forth in this Agreement; (b) any non-fulfillment or breach by the Indemnitor of any covenant or agreement set forth in this Agreement;
(c) any acts or omissions of the Indemnitor and its subcontractors and agents in the performance of any obligations under this
Agreement; and (d) gross negligence or willful misconduct of the Indemnitor or its subcontractors and agents in the performance
of any obligations under this Agreement; and (e) subject to Sections 3(a)(viii), 3(a)(ix), 3(b)(vii) and 3(f), any breach by the
Indemnitor or its subcontractors or agents of any applicable laws. Notwithstanding the foregoing, GreenSky shall indemnify hold
harmless and defend Home Depot from and against any Losses suffered by Home Depot as a result of the Finance Program, except to
the extent such Losses resulted from Home Depot’s gross negligence or willful misconduct. [*****] The Indemnitor shall promptly
notify the Indemnitee in writing with respect to any claim, action, suit, proceeding or investigation, and shall promptly reimburse
the Indemnitee for any Losses.

 

14. INSURANCE.
Home Depot and GreenSky shall each maintain, at all times under this Agreement and for a period of three (3) years following termination
thereof, at its own cost and expense, a comprehensive program of risk retention and insurance, which may include self-insurance
and/or third-party coverage. Home Depot and GreenSky shall each give the other party thirty (30) days prior written notice of any
material change in its risk retention or insurance program.

 

15. NOTICE.
Any notice or report required under this Agreement shall be given in writing by personal delivery, by certified or registered U.S.
mail, return receipt requested, or by overnight courier, or by facsimile, directed to the respective addresses and facsimile numbers
provided below or to such other address or facsimile numbers as may be substituted by notice to the other party. All notices shall
be effective upon receipt. No consent or approval of Home Depot as may be required under this Agreement shall be valid unless the
same has been provided by the Credit Services Department of Home Depot.

 

 

If to GreenSky:

 

GreenSky, LLC

5565 Glenridge Connector, Suite 700

Atlanta, Georgia 30342

Attention: David Zalik, Chief Executive Officer

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With a copy to:

GreenSky, LLC

5565 Glenridge Connector, Suite 700

Atlanta, Georgia 30342
 Attention: Chief Legal Officer

 

If to Home Depot:

 

Home Depot U.S.A., Inc.

2455 Paces Ferry Road, NW

Atlanta, Georgia 30339

Attention: Scott Bomar, Treasurer and Vice President
– Financial Services

Fax No.: (###) ###-####

 

With a copy to:

 

Home Depot U.S.A., Inc. – Legal Department

2455 Paces Ferry Road, NW, C-20

Atlanta, Georgia 30339

Attention: Vice President – Corporate Law

Fax No.: (###) ###-####

 

16. REPRESENTATIONS,
WARRANTIES AND COVENANTS.

 

(a) Home Depot and
GreenSky each represents and warrants to the other party that: (i) it has the right, power, and authority to enter into this Agreement
and perform the acts required of it hereunder; (ii) its execution of this Agreement, and its performance of its obligations and
duties hereunder, do not and shall not violate any material agreement to which it is a party or by which it is otherwise bound;
(iii) when executed and delivered by it, this Agreement shall constitute the legal, valid and binding obligation of it, enforceable
against it in accordance with terms hereof (except as such enforcement may be limited by bankruptcy, insolvency, reorganization,
moratorium and other laws relating to or affecting creditors’ rights generally and by general principles of equity); and
(iv) it is duly registered and licensed with the appropriate federal and state agencies in any and all states where it performs
services.

 

(b) Home Depot covenants
to use its commercially reasonable efforts to ensure that: (i) each loan originated pursuant to this Finance Program will arise
from a valid business transaction; (ii) it (including the Authorized Service Providers) shall perform all services in a workmanlike
manner; (iii) the collection and receipt by Home Depot (and by the Authorized Service Providers) of any down payment for any project,
including the down payment amount and percentage for such project, shall comply with all applicable laws of any jurisdiction in
which Home Depot operates and/or performs services; (iv) the payment of any down payment, including the down payment amount and
percentage, shall comply with all applicable laws, including state legal and regulatory requirements governing the payment of down
payments for the Services and project; (v) with respect to any Services that are cancelled, incomplete or not provided and for
which GreenSky has made payments to Home Depot, Home Depot shall, within thirty (30) days of receipt of notice from GreenSky with
respect to such Services, either refund such payments in full or inform GreenSky of the status of the such Services and the proposed
resolution of outstanding issues with respect thereto; (vi) it shall perform and otherwise comply with all of its obligations under
its agreements with Authorized Service Providers and customer agreements (including honoring all 

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IN THIS DOCUMENT, MARKED BY [*****] HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT
TO RULE 406 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED

 

craftsmanship warranties issued
by Home Depot applicable to the Services purchased by Accountholders under the Finance Program); and (vii) it (including the Authorized
Service Providers) shall accurately disclose and not misrepresent the relationship between Home Depot and GreenSky, the Finance
Program, the customer or the loan application and approval process, including whether the Goods and Services are complete.

 

(c) GreenSky further
represents, warrants and covenants, as of the Prior Agreement Effective Date and at all times during the Term, that (i) the Finance
Program is not an open-ended (as defined by the Truth in Lending Act) line of credit; (ii) the Finance Program shall be administered
by GreenSky to ensure that Home Depot customers are provided with an installment loan and not an open-ended line of credit; (iii)
the no interest, no payments and other terms set forth in Section 2(f), as offered by GreenSky, do not violate the terms of the
Credit Card Accountability Responsibility and Disclosure Act of 2009 or other aspects of applicable law; (iv) the Finance Program
does not require any governmental approval or license other than approvals or licenses obtained or held by GreenSky, and (v) GreenSky
operates the Finance Program in compliance with the terms and requirements of such existing governmental approvals or licenses.
In the event that any governmental authority claims that either GreenSky or Home Depot is required to have any additional material
license or approval as a result of its participation in the Finance Program (or that either GreenSky or Home Depot has violated
applicable law in a material respect in connection with the Finance Program), then, unless prohibited by applicable law or regulation,
GreenSky shall promptly inform Home Depot of such event in writing; provided, that Home Depot hereby agrees to maintain the confidentiality
of such information disclosed by GreenSky, subject to Home Depot’s compliance with applicable law or regulation and subject
to its right to disclose such information to its professional advisors that agree to maintain the confidentiality of such information;
provided, further, nothing shall restrict Home Depot from disclosing information which is (i) previously known to Home Depot, (ii)
acquired by Home Depot from a third party which was not, to Home Depot’s knowledge, under an obligation to GreenSky not to
disclose such information, or (iii) which is or becomes publicly available through no breach by Home Depot of this Agreement.

 

17. NO
CONSEQUENTIAL DAMAGES. Subject to the provisions of Section 13 hereof, neither Home Depot nor GreenSky shall be
liable to the other party, its affiliates, or their respective officers, directors, employees, successors, and permitted assigns,
or any other party for indirect, special, punitive, incidental, exemplary, or consequential damages or losses (including loss of
business or loss of profits), whether arising from negligence, breach of contract, tort, or statutory duty, or otherwise.

 

18. DISPUTE
RESOLUTION; GOVERNING LAW. The parties agree to attempt to resolve any dispute in good faith on an informal basis.
Upon written notice to the other party, Home Depot and GreenSky shall each authorize its respective Representative(s) to resolve
the dispute. The Representatives shall meet as often as the parties reasonably deem necessary to discuss the dispute, provide information
to each other and to informally resolve the dispute within thirty (30) calendar days of the date of written notice. Any dispute
that is not resolved by such negotiation within thirty (30) days or in accordance with a mutually agreeable extension thereof shall
be bought in a state or federal court in Atlanta, Georgia, and all parties consent to the venue and jurisdiction of the courts
of Atlanta, Georgia. Without limiting the foregoing, the provisions of this Agreement shall be construed and enforced according
to the laws of the State of Georgia without regard to its conflict of law principles.

 

19. greensky’S
COMPLIANCE. GreenSky shall comply with all applicable federal and state laws and regulations relating to privacy
and data security and to any applicable Payment Card Industry Data Security Standards and that it shall at all times maintain confidentiality
and information security programs that are consistent with industry standards.

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IN THIS DOCUMENT, MARKED BY [*****] HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT
TO RULE 406 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED

 

20. SURVIVAL.
This Section and Sections 4, 5(c), 5(d), 6, 7, 8, 10, 11, 13, 14, 15, 17, 18, 19 and 21, and any other provisions of this Agreement
that contemplate performance of obligations subsequent to termination of this Agreement shall survive termination of this Agreement,
and continue in full force and effect.

 

21. GENERAL
PROVISIONS.

 

(a) Relationship
of Parties. The parties agree that in performing their responsibilities pursuant to this Agreement, they are in the position
of independent contractors. This Agreement is not intended to create, nor does it create, a partnership, joint venture or any association
for profit between GreenSky and Home Depot.

 

(b) Assignment.
This Agreement may not be assigned, in whole or in part, by either Home Depot or GreenSky, without the prior written consent of
the other party; provided, however, that Home Depot may assign this Agreement, at its discretion, to any of its affiliates.
The foregoing shall not prohibit (i) GreenSky from subcontracting with vendors to supply some of the services contemplated hereunder,
and (ii) GreenSky from utilizing a third party financial institution for providing or originating the loans contemplated hereby
or from purchasing loans originated hereunder, in each case subject to the terms hereof including the obligation to comply with
the Collection Procedures specified on Schedule 7(b). This Agreement shall be binding upon and shall inure to the benefit
of the parties and their representatives and respective successors and permitted assigns.

 

(c) Waivers.
No party shall be deemed to have waived any of its rights, powers or remedies hereunder unless that party approves such waiver
in writing. Any delay, waiver, or omission by a party to exercise any right or power arising from any breach or default in any
of the terms, provisions, or covenants of this Agreement shall not be construed to be a waiver by that party of any subsequent
breach or default of the same or other terms, provisions or covenants.

 

(d) Entire Agreement;
Amendments. This Agreement, including any and all attachments hereto, constitutes the entire agreement between the parties
relating to the subject matter hereof, and all prior negotiations and understandings, whether oral or written, are superseded hereby.
Without limiting the generality of the foregoing, by executing this Agreement, GreenSky and Home Depot expressly agree that the
Prior Agreement is hereby superseded, amended and replaced in its entirety by this Agreement.
No modification or amendment of this Agreement shall be effective unless and until set forth in writing and signed by the parties.
Any future amendments shall continue to operate under this Agreement and its terms and conditions, unless explicitly stated otherwise.
The Agreement shall be interpreted and construed without regard to any presumption or rule requiring interpretation against the
party who caused this Agreement, or any portion thereof, to be drafted.

 

(e) Significance
of Headings. Section headings contained herein are solely for the purpose of aiding in location of subject matter and shall
not be construed to add to the meaning or interpretation of this Agreement.

 

(f) Facsimile
Signatures. This Agreement may be delivered by facsimile. Any facsimile signatures shall have the same legal effect as manual
signatures.

 

(g) Compliance
with Laws. Subject to Sections 3(a)(viii), 3(a)(ix), 3(b)(vii) and 3(f), each party shall comply with all applicable laws and
regulations in performing its obligations under this Agreement. Notwithstanding the foregoing, GreenSky acknowledges that it is
primarily responsible for the 

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IN THIS DOCUMENT, MARKED BY [*****] HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT
TO RULE 406 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED

 

compliance of the Finance
Program with applicable law and its shall undertake, at its own expense, such action as may be required to prevent the Finance
Program from violating applicable law.

 

(h) Severability.
If any provision of this Agreement or portion thereof is held invalid, illegal, void or unenforceable by reason of any rule of
law, administrative or judicial provision or public policy, all other provisions of this Agreement shall nevertheless remain in
full force and effect to the extent such remaining provisions accurately reflect the intent of the parties.

 

22. CERTAIN
FEES. [*****]

 

(a) [*****]

 

 (b) [*****]

 

 (c) [*****]

 

(Signatures on following page)

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IN THIS DOCUMENT, MARKED BY [*****] HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT
TO RULE 406 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED

 

IN WITNESS WHEREOF,
the parties have caused this Second Amended and Restated GreenSky Installment Loan Program Agreement to be executed by their
duly authorized representatives as of the date above first written.

 

	HOME DEPOT U.S.A., INC.	 
	 	 	 
	By:	/s/ Scott Bomar	 

 

	Name:	Scott Bomar	 

 

	Title:	VP & Treasurer	 

 

	GREENSKY, LLC	 
	 	 	 
	By:	/s/ Gerald R. Benjamin	 

 

	Name:	Gerald R. Benjamin	 

 

	Title:	Vice Chairman	 

    	31Exhibit 10.18

 

PHOENIX BLACKSTONE CENTER LEASE

 

THIS PHOENIX BLACKSTONE
CENTER LEASE (the “Lease”) is executed this 1st day of October, 2013, by and between PHOENIX BLACKSTONE,
LLC, a Georgia limited liability company (“Landlord”), and GREENSKY TRADE CREDIT, LLC, a Georgia limited
liability company (“Tenant”).

 

ARTICLE
1 - LEASE OF PREMISES

 

Section 1.01.  Basic Lease Provisions and Definitions.

 

(a)     Leased
Premises (shown outlined on Exhibit A attached hereto): Suites 100, 120 and 250 within the building known and numbered
as 1777/1797 Northeast Expressway NE, Atlanta Georgia 30329 (the “Building”), located within Phoenix Blackstone Center
(the “Park”).

 

(b)     Rentable
Area: approximately 20,847 square feet (consisting of 10,196 square feet in Suite 100, 1,307 square feet in Suite 120, and 9,344
square feet in Suite 250). Tenant hereby acknowledges that all portions of the Premises are not contiguous.

 

(c)     Tenant’s
Proportionate Share:     16.56%. [20,847 s.f. / 125,880 s.f.]

 

(d)     Minimum
Annual Rent:

 

	 	Commencement Date - April 30, 2014	 	$420,275.52
	 	May 1, 2014 - April 30, 2015	 	$432,883.79
	 	May 1, 2015 - April 30, 2016	 	$445,870.30
	 	May 1, 2016 - April 30, 2017	 	$459,246.41
	 	May 1, 2017 - April 30, 2018	 	$473,023.80

 

(e)     Monthly
Rental Installments:

 

	 	Commencement Date - April 30, 2014	 	$35,022.96
	 	May 1, 2014 - April 30, 2015	 	$36,073.65
	 	May 1, 2015 - April 30, 2016	 	$37,155.86
	 	May 1, 2016 - April 30, 2017	 	$38,270.53
	 	May 1, 2017 - April 30, 2018	 	$39,418.65

 

(f)      Intentionally
omitted.

 

(g)     Commencement
Date: The date of Landlord’s delivery of the entirety of the Leased Premises to Tenant with the Tenant Improvements (as defined
in Exhibit “B-1”) substantially complete.

 

(h)     Lease
Term: For the period of time commencing on the Commencement Date and continuing through April 30, 2018.

 

(i)     Security
Deposit: None

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(j)     Broker(s):
None.

 

(k)    Permitted
Use: General office and related uses, and for no other use or purpose whatsoever.

 

(l)     Address
for notices and payments are as follows:

 

	 	To Landlord:  	
        Phoenix Blackstone LLC

c/o Wiedmayer + Co

1797 Northeast Expressway NE

Management Office

Atlanta, Georgia 30329

Attn: Asset Manager

	 	 	 
	 	with copy to:	
        Arnall Golden Gregory LLP

171 17th Street NW

Suite 2100

Atlanta, Georgia 30363-1031

Attention: Brian R. Smith, Esq.

	 	 	 
	 	To Tenant:	
        Greensky Trade Credit, LLC

1797 Northeast Expressway NE, Suite 100

Atlanta, Georgia 30329

 

(m)   Guarantor(s):
None

 

EXHIBITS

Exhibit A - Leased Premises Outline
Plan

Exhibit B - Tenant Improvements

Exhibit B-1 - Scope of Work

Exhibit C - Letter of Understanding

Exhibit D - Intentionally Omitted

Exhibit E - Rules and Regulations

 

Section 1.02.  Lease of Premises. Landlord hereby leases to Tenant and Tenant hereby leases from Landlord the Leased Premises, under the
terms and conditions herein, together with a non-exclusive right, in common with others, to use the following (collectively, the
“Common Areas”): the areas of the Building and the underlying land and improvements thereto that are designed for use
in common by all tenants of the Building and their respective employees, agents, customers, invitees and others.

 

ARTICLE
2 - TERM AND POSSESSION

 

Section 2.01.  Term. The Commencement Date and Lease Term shall be as set forth in Sections 1.01(q) and 1.01(h) above.

    	2

    	

    

Section 2.02.  Construction of Tenant Improvements. Landlord shall construct and install all leasehold improvements to the Leased Premises
(collectively, the “Tenant Improvements”) in accordance with Exhibit B attached hereto and made a part
hereof.

 

Section 2.03.  Surrender of the Premises. Upon the expiration or earlier termination of this Lease, Tenant shall, at its sole cost and
expense, immediately (a) surrender the Leased Premises to Landlord in broom-clean condition and in good order, condition and repair,
(b) remove from the Leased Premises (i) Tenant’s Property (as defined in Section 8.01 below), (ii) all data and communications
wiring and cabling (including above ceiling, below raised floors and behind walls), and (iii) any alterations required to be removed
pursuant to Section 7.03 below, and (c) repair any damage caused by any such removal and restore the Leased Premises to
the condition existing upon the Commencement Date, reasonable wear and tear excepted. All of Tenant’s Property that is not
removed within ten (10) days following Landlord’s written demand therefor shall be conclusively deemed to have been abandoned
and Landlord shall be entitled to dispose of such property at Tenant’s cost without incurring any liability to Tenant. This
Section 2.03 shall survive the expiration or any earlier termination of this Lease.

 

Section 2.04.  Holding Over. If Tenant retains possession of the Leased Premises after the expiration or earlier termination of this Lease,
Tenant shall be a tenant at sufferance at one hundred fifty percent (150%) of the Monthly Rental Installments and Annual Rental
Adjustment (as hereinafter defined) for the Leased Premises in effect upon the date of such expiration or earlier termination,
and otherwise upon the terms, covenants and conditions herein specified, so far as applicable. Acceptance by Landlord of rent after
such expiration or earlier termination shall not result in a renewal of this Lease, nor shall such acceptance create a month-to-month
tenancy. In the event a month-to-month tenancy is created by operation of law, or by written agreement of the parties, either party
shall have the right to terminate such month-to-month tenancy upon thirty (30) days’ prior written notice to the other, whether
or not said notice is given on the rent paying date. This Section 2.04 shall in no way constitute a consent by Landlord
to any holding over by Tenant upon the expiration or earlier termination of this Lease, nor limit Landlord’s remedies in
such event.

 

ARTICLE
3 - RENT

 

Section 3.01.  Minimum Annual Rent. Tenant shall pay to Landlord the Minimum Annual Rent in the Monthly Rental Installments in advance,
without demand, abatement, deduction or offset, on the Commencement Date and on or before the first day of each and every calendar
month thereafter during the Lease Term. The Monthly Rental Installments for partial calendar months shall be prorated. Tenant shall
be responsible for delivering the Monthly Rental Installments to the payment address set forth in Section 1.01(d) above
in accordance with this Section 3.01.

 

Section 3.02.  Annual Rental Adjustment Definitions.

 

Landlord and Tenant
hereby acknowledge and agree that this Lease is a so-called “gross lease” and, except as expressly provided herein
to the contrary, all recurring amounts payable to Landlord hereunder are included in the Minimum Annual Rent set forth in Section
1.1(1) above.

    	3

    	

    

Section 3.03.  Payment of Additional Rent.

 

(a)     Any
amount required to be paid by Tenant hereunder (in addition to Minimum Annual Rent) and any charges or expenses incurred by Landlord
on behalf of Tenant under the terms of this Lease shall be considered “Additional Rent” payable in the same manner
and upon the same terms and conditions as the Minimum Annual Rent reserved hereunder, except as set forth herein to the contrary.
Any failure on the part of Tenant to pay such Additional Rent when and as the same shall become due
shall entitle Landlord to the remedies available to it for non-payment of Minimum Annual Rent.

 

Section 3.04.  Late Charges. Tenant acknowledges that Landlord shall incur certain additional unanticipated administrative and legal costs
and expenses if Tenant fails to pay timely any payment required hereunder. Therefore, in addition to the other remedies available
to Landlord hereunder, if any payment required to be paid by Tenant to Landlord hereunder shall become overdue, such unpaid amount
shall bear interest from the due date thereof to the date of payment at the lesser of the prime rate of interest,
as reported in the Wall Street Journal (the “Prime Rate”) plus four percent (4%) per annum and the maximum legal rate
of interest.

 

ARTICLE
4 - SECURITY DEPOSIT

 

Intentionally omitted.

 

ARTICLE
5 - OCCUPANCY AND USE

 

Section 5.01.  Use. Tenant shall use the Leased Premises for the Permitted Use and for no other purpose without the prior written consent
of Landlord.

 

Section 5.02.  Covenants of Tenant Regarding Use.

 

(a)     Tenant
shall (i) use and maintain the Leased Premises and conduct its business thereon in a safe, careful, reputable and lawful manner,
(ii) comply with all covenants that encumber the Building and all laws, rules, regulations, orders, ordinances, directions and
requirements of any governmental authority or agency, now in force or which may hereafter be in force, including, without limitation,
those which shall impose upon Landlord or Tenant any duty with respect to or triggered by a change in the use or occupation of,
or any improvement or alteration to, the Leased Premises, and (iii) comply with and obey all reasonable directions, rules and regulations
of Landlord, including without limitation the Building Rules and Regulations attached hereto as Exhibit E and made
a part hereof, as may be modified from time to time by Landlord on reasonable notice to Tenant.

 

(b)     Tenant
shall not do or permit anything to be done in or about the Leased Premises that will in any way cause a nuisance, obstruct or interfere
with the rights of other tenants or occupants of the Building or injure or annoy them. Landlord shall not be responsible to Tenant
for the non-performance by any other tenant or occupant of the Building of any of Landlord’s directions, rules and regulations,
but agrees that any enforcement thereof shall be done uniformly. Tenant shall not overload the floors of the Leased Premises. All
damage to the floor structure or foundation of the Building due to improper positioning or storage of items or materials shall
be repaired by Landlord at the sole expense of Tenant, who shall reimburse

    	4

    	

    

Landlord immediately
therefor upon demand. Tenant shall not use the Leased Premises, nor allow the Leased Premises to be used, for any purpose or in
any manner that would (i) invalidate any policy of insurance now or hereafter carried by Landlord on the Building, or (ii) increase
the rate of premiums payable on any such insurance policy unless Tenant reimburses Landlord for any increase in premium charged.

 

Section 5.03.  Landlord’s Rights Regarding Use. Without limiting any of Landlord’s rights specified elsewhere in this Lease
(a) Landlord shall have the right at any time, without notice to Tenant, to control, change or otherwise alter the Common Areas
in such manner as it deems necessary or proper, and (b) Landlord, its agents, employees and contractors
and any mortgagee of the Building shall have the right to enter any part of the Leased Premises at reasonable times upon reasonable
notice (except in the event of an emergency where no notice shall be required) for the purposes of examining or inspecting the
same (including, without limitation, testing to confirm Tenant’s compliance with this Lease), showing the same to prospective
purchasers, mortgagees or tenants, and making such repairs, alterations or improvements to the Leased Premises or the Building
as Landlord may deem necessary or desirable. Landlord shall incur no liability to Tenant for such entry, nor shall such entry constitute
an actual or constructive eviction of Tenant or a termination of this Lease, or entitle Tenant to any abatement of rent therefor.

 

ARTICLE
6 - UTILITIES

 

Tenant shall obtain in its own name and
pay directly to the appropriate supplier the cost of all utilities and services serving the Leased Premises. However, if any services
or utilities are jointly metered with other property, Landlord shall make a reasonable determination of Tenant’s proportionate
share of the cost of such utilities and services (at rates that would have been payable if such utilities and services had been
directly billed by the utilities or services providers) and Tenant shall pay such share to Landlord within fifteen (15) days after
receipt of Landlord’s written statement. Landlord shall not be liable in damages or otherwise for any failure or interruption
of any utility or other Building service and no such failure or interruption shall entitle Tenant to terminate this Lease or withhold
sums due hereunder or constitute an actual or constructive eviction of Tenant.

 

ARTICLE
7 - REPAIRS, MAINTENANCE AND ALTERATIONS

 

Section 7.01.  Repair and Maintenance of Building. Landlord shall make all necessary repairs, replacements and maintenance to the roof,
sprinkler systems, exterior walls, foundation, structural frame of the Building and the parking and landscaped areas and other
Common Areas; provided however, to the extent any such repairs, replacements or maintenance are required because of the negligence,
misuse or Default of Tenant, its employees, agents, contractors, customers or invitees, Landlord shall make such repairs at Tenant’s
sole expense.

 

Section 7.02.  Repair and Maintenance of Leased Premises. Tenant shall, at its own cost and expense, maintain the Leased Premises in good
condition, regularly servicing and promptly making all repairs and replacements thereto, including but not limited to the electrical
systems, heating and air conditioning systems, plate glass, floors, windows and doors, dock-doors, levelers, trash compactors,
and plumbing systems. Tenant shall obtain and maintain in effect

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throughout the Lease
Term a preventive maintenance contract on the heating, ventilating and air-conditioning systems and provide Landlord with a copy
thereof. The preventive maintenance contract shall meet or exceed Landlord’s standard maintenance criteria, and shall provide
for the inspection and maintenance of the heating, ventilating and air conditioning system on at least a semi-annual basis.

 

Section 7.03.  Alterations. Tenant shall not permit material alterations in or to the Leased Premises unless and until Landlord has approved
the plans therefor in writing. As a condition of such approval, with respect to any specialty alterations (such as private bathrooms,
raised computer floors, mezzanines, built-in filing systems and other non-standard office installations) Landlord may require Tenant
to remove the alterations and restore the Leased Premises upon termination of this Lease; otherwise,
all such alterations shall at Landlord’s option become a part of the realty and the property of Landlord, and shall not be
removed by Tenant. Tenant shall ensure that all alterations shall be made in accordance with all applicable laws, regulations and
building codes, in a good and workmanlike manner and of quality equal to or better than the original construction of the Building.
No person shall be entitled to any lien derived through or under Tenant for any labor or material furnished to the Leased Premises,
and nothing in this Lease shall be construed to constitute Landlord’s consent to the creation of any lien. If any lien is
filed against the Leased Premises for work claimed to have been done for or material claimed to have been furnished to Tenant,
Tenant shall cause such lien to be discharged of record within thirty (30) days after filing. Tenant shall indemnify Landlord from
all costs, losses, expenses and attorneys’ fees in connection with any construction or alteration and any related lien. Tenant
agrees that at Landlord’s option, Landlord or a subsidiary or affiliate of Landlord, who shall receive a fee as Landlord’s
construction manager or general contractor, shall perform or cause to be performed all work on any structural or building-system
alterations to the Leased Premises.

 

ARTICLE
8 - INDEMNITY AND INSURANCE

 

Section 8.01.  Release. All of Tenant’s trade fixtures, merchandise, inventory and all other personal property in or about the Leased
Premises, the Building or the Common Areas, which is deemed to include the trade fixtures, merchandise, inventory and personal
property of others located in or about the Leased Premises or Common Areas at the invitation, direction or acquiescence (express
or implied) of Tenant (all of which property shall be referred to herein, collectively, as “Tenant’s Property”),
shall be and remain at Tenant’s sole risk. Landlord shall not be liable to Tenant or to any other person for, and Tenant
hereby releases Landlord from (a) any and all liability for theft or damage to Tenant’s Property which was not caused by
Landlord’s negligence or willful misconduct, and (b) any and all liability for any injury to Tenant or its employees, agents,
contractors, guests and invitees in or about the Leased Premises, the Building or the Common Areas, except to the extent of personal
injury caused directly by the gross negligence or willful misconduct of Landlord, its agents, employees or contractors. Nothing
contained in this Section 8.01 shall limit (or be deemed to limit) the waivers contained in Section 8.06 below. In
the event of any conflict between the provisions of Section 8.06 below and this Section 8.01, the provisions of Section
8.06 shall prevail. This Section 8.01 shall survive the expiration or earlier termination of this Lease.

 

Section 8.02.  Indemnification by Tenant. Tenant shall protect, defend, indemnify and hold Landlord, its agents, employees and contractors
harmless from and against any and all

    	6

    	

    

claims, damages, demands,
penalties, costs, liabilities, losses, and expenses (including without limitation reasonable attorneys’ fees and expenses
at the trial and appellate levels) to the extent (a) arising out of or relating to any act, omission, gross negligence, or willful
misconduct of Tenant or Tenant’s agents, employees, contractors, customers or invitees in or about the Leased Premises, the
Building or the Common Areas, (b) arising out of or relating to any of Tenant’s Property, or (c) arising out of any other
act or occurrence within the Leased Premises, in all such cases except to the extent of personal injury (but not property loss
or damage) caused directly by the negligence or willful misconduct of Landlord, its agents, employees or contractors. Nothing contained
in this Section 8.02 shall limit (or be deemed to limit) the waivers contained in Section 8.06 below. In the
event of any conflict between the provisions of Section 8.06 below and this Section 8.02, the provisions of Section
8.06 shall prevail. This Section 8.02 shall survive the expiration or earlier termination of this Lease.

 

Section 8.03.  Indemnification by Landlord. Landlord shall protect, defend, indemnify and hold Tenant, its agents, employees and contractors
harmless from and against any and all claims, damages, demands, penalties, costs, liabilities, losses and expenses (including without
limitation reasonable attorneys’ fees and expenses at the trial and appellate levels) to the extent arising out of or relating
to any act, omission, gross negligence or willful misconduct of Landlord or Landlord’s agents, employees or contractors.
Nothing contained in this Section 8.03 shall limit (or be deemed to limit) the waivers contained in Section 8.06
below. In the event of any conflict between the provisions of Section 8.06 below and this Section 8.03, the provisions
of Section 8.06 shall prevail. This Section 8.03 shall survive the expiration or earlier termination of this Lease.

 

Section 8.04.  Tenant’s Insurance. Tenant shall purchase, at its own expense, and keep in force at all times during the Lease Term
the policies of insurance set forth below (collectively, “Tenant’s Policies”). All Tenant’s Policies shall
(a) be issued by an insurance company with a Best’s rating of A or better and otherwise reasonably acceptable to Landlord
and shall be licensed to do business in the state in which the Leased Premises is located; (b) provide for deductible amounts that
are reasonably acceptable to Landlord (and its lender, if applicable); and (c) otherwise be in such form, and include such coverages,
as Landlord may reasonably require. The Tenant’s Policies described in (i) and (ii) below shall (1) provide coverage on an
occurrence basis; (2) name Landlord (and its lender, if applicable) as additional insured; (3) provide coverage, to the extent
insurable, for the indemnity obligations of Tenant under this Lease; (4) contain a separation of insured parties provision; (5)
be primary, not contributing with, and not in excess of, coverage that Landlord may carry; and (6) provide coverage with no exclusion
for a pollution incident arising from a hostile fire. All Tenant’s Policies (or, at Landlord’s option, Certificates
of Insurance and applicable endorsements, including, without limitation, an “Additional Insured-Managers or Landlords of
Premises” endorsement) shall be delivered to Landlord prior to the Commencement Date and renewals thereof shall be delivered
to Landlord’s notice addresses at least 30 days prior to the applicable expiration date of each Tenant’s Policy. In
the event that Tenant fails, at any time or from time to time, to comply with the requirements of the preceding sentence, Landlord
may order such insurance and charge the cost thereof to Tenant, which amount shall be payable by Tenant to Landlord upon demand,
as Additional Rent. Tenant shall give prompt notice to Landlord and Agent of any bodily injury, death, personal injury, advertising
injury or property damage occurring in and about the Property.

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Tenant shall purchase
and maintain, throughout the Term, a Tenant’s Policy(ies) of: (i) commercial general or excess liability insurance, including
personal injury and property damage, in the amount of not less than $2,000,000.00 per; (ii) comprehensive automobile liability
insurance covering Tenant against any personal injuries or deaths of persons and property damage based upon or arising out of the
ownership, use, occupancy or maintenance of a motor vehicle at the Premises and all areas appurtenant thereto in the amount of
not less than $1,000,000, combined single limit; (iii) commercial property insurance covering Tenant’s Property (at its full
replacement cost); (iv) workers’ compensation insurance per the applicable state statutes covering all employees of Tenant;
(v) business interruption insurance with limits not less than an amount equal to one (1) year’s rent due hereunder; and if
Tenant handles, stores or utilizes Hazardous Substances in its business operations, (vi) pollution legal liability insurance.

 

Section 8.05.  Landlord’s Insurance. During the Lease Term, Landlord shall maintain the following types of insurance, in the amounts
specified below (the cost of which shall be included in Operating Expenses):

 

(a)     a
commercial property insurance policy covering the Building (at its full replacement cost), but excluding Tenant’s personal
property; (b) commercial general public liability insurance covering Landlord for claims arising out of liability for bodily injury,
death, personal injury, advertising injury and property damage occurring in and about the Park and/or Building and otherwise resulting
from any acts or omissions of Landlord, its agents and employees; (c) rent loss insurance; and (d) any other insurance coverage
deemed appropriate by Landlord or required by Landlord’s lender. All of the coverages described in (a) through (d) shall
be determined from time to time by Landlord, and in amounts reasonably consistent with other similar properties in the area of
the Building. All insurance maintained by Landlord shall be in addition to and not in lieu of the insurance required to be maintained
by the Tenant.

 

Section 8.06.  Waiver of Subrogation. Notwithstanding anything contained in this Lease to the contrary, Landlord and Tenant hereby waive
any rights each may have against the other on account of any loss of or damage to their respective property, the Leased Premises,
its contents, or other portions of the Building or Common Areas arising from any risk which is required to be insured against by
Sections 8.04(a)(ii) and 8.05(b) above. The special form coverage insurance policies maintained by Landlord and Tenant
as provided in this Lease shall include an endorsement containing an express waiver of any rights of subrogation by the insurance
company against Landlord and Tenant, as applicable.

 

ARTICLE
9 - CASUALTY

 

In the event of total
or partial destruction of the Building or the Leased Premises by fire or other casualty, Landlord agrees promptly to restore and
repair same; provided, however, Landlord’s obligation hereunder with respect to the Leased Premises shall be limited to the
reconstruction of such of the leasehold improvements to the condition existing prior to Tenant’s occupancy of the applicable
portion of the Leased Premises. Rent shall proportionately abate during the time that the Leased Premises or part thereof are unusable
because of any such damage. Notwithstanding the foregoing, if the Leased Premises are (a) so destroyed that they cannot be repaired
or rebuilt within two hundred ten (210) days from the casualty date; or (b)

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destroyed by a casualty that is not covered
by the insurance required hereunder or, if covered, such insurance proceeds are not released by any mortgagee entitled thereto
or are insufficient to rebuild the Building and the Leased Premises; then, in case of a clause (a) casualty, either Landlord or
Tenant may, or, in the case of a clause (b) casualty, then Landlord may, upon thirty (30) days’ written notice to the other
party, terminate this Lease with respect to matters thereafter accruing. Tenant waives any right under applicable laws inconsistent
with the terms of this paragraph.

 

ARTICLE
10 - EMINENT DOMAIN

 

If all or any substantial
part of the Building or Common Areas shall be acquired by the exercise of eminent domain, Landlord may terminate this Lease by
giving written notice to Tenant on or before the date possession thereof is so taken. If all or any part of the Leased Premises
shall be acquired by the exercise of eminent domain so that the Leased Premises shall become impractical for Tenant to use for
the Permitted Use, Tenant may terminate this Lease by giving written notice to Landlord as of the date possession thereof is so
taken. All damages awarded shall belong to Landlord; provided, however, that Tenant may claim dislocation damages if such amount
is not subtracted from Landlord’s award.

 

ARTICLE
11 - ASSIGNMENT AND SUBLEASE

 

Section 11.01.  Assignment and Sublease.

 

(a)     Tenant
shall not assign this Lease or sublet the Leased Premises in whole or in part without Landlord’s prior written consent. In
the event of any assignment or subletting, Tenant shall remain primarily liable hereunder, and any renewal, extension, expansion,
rights of first offer, rights of first refusal or other rights or options granted to Tenant under this Lease shall be rendered
void and of no further force or effect. The acceptance of rent from any other person shall not be deemed to be a waiver of any
of the provisions of this Lease or to be a consent to the assignment of this Lease or the subletting of the Leased Premises. Any
assignment or sublease consented to by Landlord shall not relieve Tenant (or its assignee) from obtaining Landlord’s consent
to any subsequent assignment or sublease.

 

(b)     By
way of example and not limitation, Landlord shall be deemed to have reasonably withheld consent to a proposed assignment or sublease
if in Landlord’s opinion (i) the Leased Premises are or may be in any way materially and adversely affected so as to reduce
the value thereof; (ii) the business reputation of the proposed assignee or subtenant is reasonably unacceptable and will materially
and adversely diminish the value of the Building; (iii) the financial worth of the proposed assignee or subtenant is reasonably
insufficient to meet the obligations hereunder, or (iv) the prospective assignee or subtenant is a current tenant at the Park or
is a bona-fide third-party prospective tenant. Landlord further expressly reserves the right to refuse to give its consent to any
subletting if the proposed rent is publicly advertised to be less than the then current rent for similar premises in the Building.

 

(c)     If
Tenant shall make any assignment or sublease, with Landlord’s consent, for a rental in excess of the rent payable under this
Lease, following Tenant’s recoupment of its reasonable and actual costs associated therewith (such as commissions, legal
fees and build-out

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costs) Tenant shall pay
to Landlord fifty percent (50%) of any such excess rental upon receipt. Tenant agrees to pay Landlord $750.00 upon demand by Landlord
for reasonable accounting and attorneys’ fees incurred in conjunction with the processing and documentation of any requested
assignment, subletting or any other hypothecation of this Lease or Tenant’s interest in and to the Leased Premises as a condition
to Landlord processing Tenant’s request.

 

Section 11.02.  Permitted Transfer. Notwithstanding anything to the contrary contained in Section 11.01 above, Tenant shall have
the right, without Landlord’s consent, but upon not less than ten (10) days’ prior notice to Landlord, to (a) sublet
all or part of the Leased Premises to any related corporation or other entity which controls Tenant, is controlled by Tenant or
is under common control with Tenant; (b) assign all or any part of this Lease to any related corporation or other entity which
controls Tenant, is controlled by Tenant, or is under common control with Tenant, or to a successor entity into which or with which
Tenant is merged or consolidated or which acquires substantially all of Tenant’s assets or property; or (c) effectuate any
public offering of Tenant’s stock on the New York Stock Exchange or in the NASDAQ over the counter market, provided that
in the event of a transfer pursuant to clause (b), the tangible net worth of Tenant’s successor entity after any such transaction
is not less than the tangible net worth of Tenant as of the date hereof and provided further that such successor entity assumes
all of the obligations and liabilities of Tenant (any such entity hereinafter referred to as a “Permitted Transferee”).
For the purpose of this Article 11 (i) “control” shall mean ownership of not less than fifty percent (50%) of
all voting stock or legal and equitable interest in such corporation or entity, and (ii) “tangible net worth” shall
mean the excess of the value of tangible assets (i.e. assets excluding those which are intangible such as goodwill, patents and
trademarks) over liabilities. Any such transfer shall not relieve Tenant of its obligations under this Lease. Nothing in this paragraph
is intended to nor shall permit Tenant to transfer its interest under this Lease as part of a fraud or subterfuge to intentionally
avoid its obligations under this Lease (for example, transferring its interest to a shell corporation that subsequently files a
bankruptcy), and any such transfer shall constitute a Default hereunder. Any change in control of Tenant resulting from a merger,
consolidation, or a transfer of partnership or membership interests, a stock transfer, or any sale of substantially all of the
assets of Tenant that do not meet the requirements of this Section 11.02 shall be deemed an assignment or transfer that
requires Landlord’s prior written consent pursuant to Section 11.01 above.

 

ARTICLE
12 - TRANSFERS BY LANDLORD

 

Section 12.01.  Sale of the Building. Landlord shall have the right to sell the Building at any time during the Lease Term, subject only
to the rights of Tenant hereunder; and such sale shall operate to release Landlord from liability hereunder after the date of such
conveyance.

 

Section 12.02.  Estoppel Certificate. Within ten (10) days following receipt of a written request from Landlord, Tenant shall execute and
deliver to Landlord, without cost to Landlord, an estoppel certificate in such form as Landlord may reasonably request certifying
(a) that this Lease is in full force and effect and unmodified or stating the nature of any modification, (b) the date to which
rent has been paid, (c) that there are not, to Tenant’s knowledge, any uncured Defaults or specifying such Defaults if any
are claimed, and (d) any other matters or state of facts reasonably required respecting the Lease. Such estoppel may be relied
upon by Landlord and by any purchaser or mortgagee of the Building.

    	10

    	

    

Section 12.03.  Subordination. Landlord shall have the right to subordinate this Lease to any mortgage, deed to secure debt, ground lease,
deed of trust or other instrument in the nature thereof, and any amendments or modifications thereto (collectively, a “Mortgage”)
presently existing or hereafter encumbering the Building by so declaring in such Mortgage. Within ten (10) days following receipt
of a written request from Landlord, Tenant shall execute and deliver to Landlord, without cost, any instrument that Landlord deems
reasonably necessary or desirable to confirm the subordination of this Lease.

 

ARTICLE
13 - DEFAULT AND REMEDY

 

Section 13.01.  Default. The occurrence of any of the following shall be a “Default”:

 

(a)     Tenant
fails to pay any Monthly Rental Installments or Additional Rent within five (5) days following Landlord’s written notice
to Tenant that same is past-due; provided, however, in no event shall Landlord be required to give the foregoing notice on more
than two (2) occasions in any twelve (12) month period.

 

(b)     Tenant
fails to perform or observe any other term, condition, covenant or obligation required under this Lease for a period of fifteen
(15) days after written notice thereof from Landlord; provided, however, that if the nature of Tenant’s Default is such that
more than fifteen (15) days are reasonably required to cure, then Tenant shall have such additional
time to cure such Default as is reasonably necessary under the circumstances in question, provided that Tenant commences such curative
efforts as soon as is reasonably practical within said initial fifteen (15) day period and thereafter diligently completes the
required action within a reasonable time (not to exceed ninety (90) additional days).

 

(c)     Tenant
shall vacate or abandon the Leased Premises, or fail to occupy the Leased Premises or any substantial portion thereof for a period
of thirty (30) days, as evidenced by Tenant’s failure to pay Rent or Tenant’s failure to perform its repair and maintenance
obligations required herein.

 

(d)     Tenant
shall assign or sublet all or a portion of the Leased Premises in contravention of the provisions of Article 11 of this
Lease.

 

(e)     All
or substantially all of Tenant’s assets in the Leased Premises or Tenant’s interest in this Lease are attached or levied
under execution (and Tenant does not discharge the same within sixty (60) days thereafter); a petition in bankruptcy, insolvency
or for reorganization or arrangement is filed by or against Tenant (and Tenant fails to secure a stay or discharge thereof within
sixty (60) days thereafter); Tenant is insolvent and unable to pay its debts as they become due; Tenant makes a general assignment
for the benefit of creditors; Tenant takes the benefit of any insolvency action or law; the appointment of a receiver or trustee
in bankruptcy for Tenant or its assets if such receivership has not been vacated or set aside within thirty (30) days thereafter;
or, dissolution or other termination of Tenant’s corporate charter if Tenant is a corporation.

 

In addition to the Defaults described above,
the parties agree that if Tenant receives written notice of a violation of the performance of the same term or condition of this
Lease three (3) or

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more times during any twelve (12) month
period, regardless of whether such violations are ultimately cured, then such conduct shall, at Landlord’s option, represent
a separate Default.

 

Section 13.02.  Remedies. Upon the occurrence of any Default, Landlord shall have the following rights and remedies, in addition to those
stated elsewhere in this Lease and those allowed by law or in equity, any one or more of which may be exercised without further
notice to Tenant:

 

(a)     Landlord
may re-enter the Leased Premises and cure any Default of Tenant, and Tenant shall reimburse Landlord as Additional Rent for any
costs and expenses which Landlord thereby incurs; and Landlord shall not be liable to Tenant for any loss or damage which Tenant
may sustain by reason of Landlord’s action.

 

(b)     Without
terminating this Lease, Landlord may terminate Tenant’s right to possession of the Leased Premises, and thereafter, neither
Tenant nor any person claiming under or through Tenant shall be entitled to possession of the Leased Premises, and Tenant shall
immediately surrender the Leased Premises to Landlord, and Landlord may re-enter the Leased Premises and dispossess Tenant and
any other occupants of the Leased Premises by any lawful means and may remove their effects, without prejudice to any other remedy
that Landlord may have. Upon termination of possession, Landlord may (i) re-let all or any part thereof for a term different from
that which would otherwise have constituted the balance of the Lease Term and for rent and on terms and conditions different from
those contained herein, and if a deficiency exists between the Rent payable herein and the rent payable pursuant to the relating,
Tenant shall be immediately obligated to pay to Landlord an amount equal to the present value (discounted at the Prime Rate) of
the difference between the rent provided for herein and that provided for in any lease covering a subsequent re-letting of the
Leased Premises, for the period which would otherwise have constituted the balance of the Lease Term (the “Accelerated Rent
Difference”), or (ii) without re-letting, declare to be immediately due and payable the difference between the present value
(discounted at the Prime Rate) of all rent which would have been due under this Lease for the balance of the Lease Term to be immediately
due and payable as liquidated damages (the “Accelerated Rent”) and the fair market rental value of the Premises for
the same period of time (the “Fair Market Rental”), as determined by an appraiser selected by Landlord, based upon
recently completed comparable lease transactions in the Building, the Park and the leasing submarket (the Alpharetta submarket)
in which Premises is located (such difference being referred to as the “Accelerated Fair Market Difference”). Upon
termination of possession, Tenant shall be obligated to pay to Landlord (A) the Accelerated Rent Difference or the Accelerated
Fair Market Difference, whichever is applicable, (B) all loss or damage that Landlord may sustain by reason of Tenant’s Default
(“Default Damages”), which shall include, without limitation, expenses of preparing the Leased Premises for re-letting,
demolition, repairs, tenant finish improvements, brokers’ commissions and attorneys’ fees, and (C) all unpaid Minimum
Annual Rent and Additional Rent that accrued prior to the date of termination of possession, plus any interest and late fees due
hereunder (the “Prior Obligations”).

 

(c)     Landlord
may terminate this Lease and declare the Accelerated Rent Difference or the Accelerated Fair Market Difference, whichever is applicable,
to be immediately due and payable, whereupon Tenant shall be obligated to pay to Landlord (i) the Accelerated Rent Difference or
the Accelerated Fair Market Difference, whichever is applicable, (ii) all of

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Landlord’s
Default Damages, and (iii) all Prior Obligations. It is expressly agreed and understood that all of Tenant’s
liabilities and obligations set forth in this subsection (c) shall survive termination.

 

(d)     Landlord
and Tenant acknowledge and agree that the payment of the Accelerated Rent Difference or the Accelerated Fair Market Difference
as set above shall not be deemed a penalty or forfeiture, but merely shall constitute payment of liquidated damages, it being understood
that actual damages to Landlord are extremely difficult, if not impossible, to ascertain. Neither the filing of a dispossessory
proceeding nor an eviction of personalty in the Leased Premises shall be deemed to terminate the Lease.

 

(e)     Landlord
may sue for injunctive relief or to recover damages for any loss resulting from the Default.

 

Section 13.03.  Landlord’s Default and Tenant’s Remedies. Landlord shall be in default if it fails to perform any term, condition,
covenant or obligation required under this Lease for a period of thirty (30) days after written notice thereof from Tenant to Landlord;
provided, however, that if the term, condition, covenant or obligation to be performed by Landlord is such that it cannot reasonably
be performed within thirty (30) days, such default shall be deemed to have been cured if Landlord commences such performance within
said thirty-day period and thereafter diligently undertakes to complete the same. Upon the occurrence of any such default, Tenant
may sue for injunctive relief or to recover damages for any loss directly resulting from the breach, but Tenant shall not be entitled
to terminate this Lease or withhold, offset or abate any sums due hereunder.

 

Section 13.04.  Limitation of Landlord’s Liability. IF LANDLORD SHALL FAIL TO PERFORM ANY TERM, CONDITION, COVENANT OR OBLIGATION
REQUIRED TO BE PERFORMED BY IT UNDER THIS LEASE AND IF TENANT SHALL, AS A CONSEQUENCE THEREOF, RECOVER A MONEY JUDGMENT AGAINST
LANDLORD, TENANT AGREES THAT IT SHALL LOOK SOLELY TO LANDLORD’S RIGHT, TITLE AND INTEREST IN AND TO THE BUILDING (AND THE
RENTS AND PROCEEDS DERIVED THEREFROM), NOR OF ANY OWNER, PARTNER, MEMBER OR MANAGER IN OR OF LANDLORD, FOR THE COLLECTION OF SUCH
JUDGMENT; AND TENANT FURTHER AGREES THAT NO OTHER ASSETS OF LANDLORD SHALL BE SUBJECT TO LEVY, EXECUTION OR OTHER PROCESS FOR THE
SATISFACTION OF TENANT’S JUDGMENT.

 

Section 13.05.  Nonwaiver of Defaults. Neither party’s failure or delay in exercising any of its rights or remedies or other provisions
of this Lease shall constitute a waiver thereof or affect its right thereafter to exercise or enforce such right or remedy or other
provision. No waiver of any default shall be deemed to be a waiver of any other default. Landlord’s receipt of less than
the full rent due shall not be construed to be other than a payment on account of rent then due, nor shall any statement on Tenant’s
check or any letter accompanying Tenant’s check be deemed an accord and satisfaction. No act or omission by Landlord or its
employees or agents during the Lease Term shall be deemed an acceptance of a surrender of the Leased Premises, and no agreement
to accept such a surrender shall be valid unless in writing and signed by Landlord.

    	13

    	

    

Section 13.06.  Attorneys’ Fees. If either party defaults in the performance or observance of any of the terms, conditions, covenants
or obligations contained in this Lease and the non-defaulting party obtains a judgment against the defaulting party, then the defaulting
party agrees to reimburse the non-defaulting party for reasonable attorneys’ fees incurred in connection therewith. In addition,
if a monetary Default shall occur and Landlord engages outside counsel to exercise its remedies hereunder, and then Tenant cures
such monetary Default, Tenant shall pay to Landlord, on demand, all expenses incurred by Landlord as a result thereof, including
reasonable attorneys’ fees, court costs and expenses.

 

ARTICLE
14 - LANDLORD’S RIGHT TO RELOCATE TENANT

 

Intentionally omitted.

 

ARTICLE
15 - TENANT’S RESPONSIBILITY REGARDING

ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES

 

Section 15.01.  Environmental Definitions.

 

(a)     “Environmental
Laws” shall mean all present or future federal, state and municipal laws, ordinances, rules and regulations applicable to
the environmental and ecological condition of the Leased Premises, and the rules and regulations of the Federal Environmental Protection
Agency and any other federal, state or municipal agency or governmental board or entity now or hereafter having jurisdiction over
the Leased Premises.

 

(b)     “Hazardous
Substances” shall mean those substances included within the definitions of “hazardous substances,” “hazardous
materials,” “toxic substances” “solid waste” or “infectious waste” under Environmental
Laws and petroleum products.

 

Section 15.02.  Restrictions on Tenant. Tenant shall not cause or permit the use, generation, release, manufacture, refining, production,
processing, storage or disposal of any Hazardous Substances on, under or about the Leased Premises, or the transportation to or
from the Leased Premises of any Hazardous Substances, except as necessary and appropriate for its Permitted Use in which case the
use, storage or disposal of such Hazardous Substances shall be performed in compliance with the Environmental Laws and the highest
standards prevailing in the industry.

 

Section 15.03.  Notices, Affidavits, Etc. Tenant shall immediately (a) notify Landlord of (i) any actual or alleged
violation by Tenant, its employees, agents, representatives, customers, invitees or contractors of any Environmental Laws on, under
or about the Leased Premises, or (ii) the presence or suspected
presence of any Hazardous Substances on, under or about the Leased Premises, and (b) deliver to Landlord any notice received by
Tenant relating to (a)(i) and (a)(ii) above from any source. Tenant shall execute affidavits, representations and the like within
five (5) days of Landlord’s request therefor concerning Tenant’s best knowledge and belief regarding the presence of
any Hazardous Substances on, under or about the Leased Premises.

 

Section 15.04.  Tenant’s Indemnification. Tenant shall indemnify Landlord and Landlord’s managing agent from any and all claims,
losses, liabilities, costs, expenses and damages, including without limitation reasonable attorneys’ fees, costs of testing
and

    	14

    	

    

remediation costs, incurred
by Landlord in connection with any breach by Tenant of its obligations under this Article 15. The covenants and obligations
under this Article 15 shall survive the expiration or earlier termination of this Lease.

 

Section 15.05.  Existing Conditions. Notwithstanding anything contained in this Article 15 to the contrary, Tenant shall not
have any liability to Landlord under this Article 15 resulting from any conditions existing, or events occurring, or any
Hazardous Substances existing or generated, at, in, on, under or in connection with the Leased Premises prior to the Commencement
Date of this Lease (or any earlier access or occupancy of the Leased Premises by, through, or under Tenant, including without limitation
access for construction purposes) except to the extent Tenant exacerbates the same.

 

ARTICLE
16 - MISCELLANEOUS

 

Section 16.01.  Benefit of Landlord and Tenant. This Lease shall inure to the benefit of and be binding upon Landlord and Tenant and their
respective successors and assigns.

 

Section 16.02.  Governing Law. This Lease shall be governed in accordance with the laws of the State where the Building is located.

 

Section 16.03.  Force Majeure. Landlord and Tenant (except with respect to the payment of any monetary obligation) shall be excused for
the period of any delay in the performance of any non-monetary obligation hereunder when such delay is occasioned by causes beyond
its control, including but not limited to work stoppages, boycotts, slowdowns or strikes; shortages of materials, equipment, labor
or energy; unusual weather conditions; or acts or omissions of governmental or political bodies.

 

Section 16.04.  Examination of Lease. Submission of this instrument by Landlord to Tenant for examination or signature does not constitute
an offer by Landlord to lease the Leased Premises. This Lease shall become effective, if at all, only
upon the execution by and delivery to both Landlord and Tenant. Execution and delivery of this Lease by Tenant to Landlord constitutes
an offer to lease the Leased Premises on the terms contained herein.

 

Section 16.05.  Indemnification for Leasing Commissions. The parties hereby represent and warrant that the only real estate brokers involved
in the negotiation and execution of this Lease are the Brokers and that no other party is entitled, as a result of the actions
of the respective party, to a commission or other fee resulting from the execution of this Lease. Each party shall indemnify the
other from any and all liability for the breach of this representation and warranty on its part and shall pay any compensation
to any other broker or person who may be entitled thereto. Landlord shall pay any commissions due Brokers based on this Lease pursuant
to separate agreements between Landlord and Brokers.

 

Section 16.06.  Notices. Any notice required or permitted to be given under this Lease or by law shall be deemed to have been given if it
is written and delivered in person or by overnight courier or mailed by certified mail, postage prepaid, to the party who is to
receive such notice at the address specified in Section 1.01(1). If sent by overnight courier, the notice shall be deemed
to have been given one (1) day after sending. If mailed postage prepaid, the notice shall be

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deemed to have been given
on the date that is three (3) business days following mailing. Either party may change its address by giving written notice thereof
to the other party.

 

Section 16.07.  Partial Invalidity; Complete Agreement. If any provision of this Lease shall be held to be invalid, void or unenforceable,
the remaining provisions shall remain in full force and effect. This Lease represents the entire agreement between Landlord and
Tenant covering everything agreed upon or understood in this transaction. There are no oral promises, conditions, representations,
understandings, interpretations or terms of any kind as conditions or inducements to the execution hereof or in effect between
the parties. No change or addition shall be made to this Lease except by a written agreement executed by Landlord and Tenant.

 

Section 16.08.  Financial Information. Intentionally omitted.

 

Section 16.09.  Waiver of Jury Trial. THE LANDLORD AND THE TENANT, TO THE FULLEST EXTENT THAT THEY MAY LAWFULLY DO SO, HEREBY WAIVE TRIAL
BY JURY IN ANY ACTION OR PROCEEDING BROUGHT BY ANY PARTY TO THIS LEASE WITH RESPECT TO THIS LEASE, THE LEASED PREMISES, OR ANY
OTHER MATTER RELATED TO THIS LEASE OR THE LEASED PREMISES.

 

Section 16.10.  Representations and Warranties.

 

(a)     Tenant
hereby represents and warrants that (i) Tenant is duly organized, validly existing and in good standing (if applicable) in accordance
with the laws of the State under which it was organized; (ii) Tenant is authorized to do business in the State where the Building
is located; and (iii) the individual(s) executing and delivering this Lease on behalf of Tenant has been properly authorized to
do so, and such execution and delivery shall bind Tenant to its terms.

 

(b)     Landlord
hereby represents and warrants that (i) Landlord is duly organized, validly existing and in good standing (if applicable) in accordance
with the laws of the State under which it was organized; (ii) Landlord is authorized to do business in the State where the Building
is located; and (iii) the individual(s) executing and delivering this Lease on behalf of Landlord has
been properly authorized to do so, and such execution and delivery shall bind Landlord to its terms.

 

Section 16.11.  Signage. Tenant may, at its own expense, erect a sign concerning the business of Tenant that shall be in keeping with the
decor and other signs on the Building and in the Park. All signage (including the signage described in the preceding sentence)
in or about the Leased Premises shall be first approved by Landlord and shall be in compliance with the any codes and recorded
restrictions applicable to the sign or the Building. The location, size and style of all signs shall be approved by Landlord. Tenant
agrees to maintain any sign in good state of repair, and upon expiration of the Lease Term, Tenant agrees to promptly remove such
signs and repair any damage to the Leased Premises.

 

Section 16.12.  Parking. Tenant shall be entitled to the non-exclusive use of the parking spaces designated for the Building by Landlord.
Tenant agrees not to overburden the parking facilities and agrees to cooperate with Landlord and other tenants in the use of the
parking facilities. Landlord reserves the right in its absolute discretion to determine whether parking facilities are becoming
crowded and, in such event, to allocate parking spaces between Tenant

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and other tenants. There
will be no assigned parking unless Landlord, in its sole discretion, deems such assigned parking advisable. No vehicle may be repaired
or serviced in the parking area and any vehicle brought into the parking area by Tenant, or any of Tenant’s employees, contractors
or invitees, and deemed abandoned by Landlord will be towed and all costs thereof shall be borne by the Tenant. All driveways,
ingress and egress, and all parking spaces are for the joint use of all tenants. There shall be no parking permitted on any of
the streets or roadways located within the Park. In addition, Tenant agrees that its employees will not park in the spaces designated
visitor parking.

 

Section 16.13.  Time. Time is of the essence of each term and provision of this Lease.

 

Section 16.14.  Consent. Where the consent of a party is required, such consent will not be unreasonably withheld.

 

Section 16.15.  Usufruct. Tenant’s interest in the Leased Premises is a usufruct, not subject to levy and sale, and not assignable
by Tenant except as expressly set forth herein.

 

Section 16.16.  Prior Lease. Notwithstanding anything contained herein to the contrary, Landlord and Tenant hereby acknowledge and agree
that prior to the Commencement Date of this Lease, Tenant’s predecessor-in-interest is occupying the Suite 100 portion of
the Leased Premises pursuant to that certain Office Lease Agreement dated June 18, 2007, as amended by that certain First Amendment
dated March 30, 2011 (collectively, the “Prior Lease”). Tenant hereunder is succeeding to the interest of Tenant’s
predecessor in interest. Landlord and Tenant agree that through the date immediately prior to the Commencement Date of this Lease,
the Prior Lease shall control. As of the occurrence of the Commencement Date, this Lease shall control and the Prior Lease shall
be null and void and of no further force and effect.

 

(SIGNATURES CONTAINED ON FOLLOWING
PAGE)

    	17

    	

    

IN WITNESS WHEREOF,
the parties hereto have executed this Lease as of the day and year first above written.

 

	 	 	LANDLORD:
	 	 	 
	 	 	PHOENIX BLACKSTONE, LLC, a Georgia limited liability company
	 	 	 
	 	By:	Wiedmayer + Co., LLC

 a Georgia limited liability company,

 its Manager

 

	 	By:	/s/ Ryan N. Wiedmayer
	 	 	Ryan N. Wiedmayer

 

[SIGNATURES CONTINUED ON THE FOLLOWING PAGE]

    	18

    	

    

	 	TENANT:
	 	 
	 	GREENSKY TRADE CREDIT, LLC, 

a Georgia limit liability company

 

	 	By:  /s/ Gary A. Meyer

	 	 
	 	Name:  Gary A. Meyer

	 	 
	 	Title:  CFO

 

[CORPORATE SEAL]

    	19

    	

    

FIRST AMENDMENT TO PHOENIX BLACKSTONE
CENTER LEASE

 

This First Amendment
to Phoenix Blackstone Center Lease (this “Amendment”) is made as of this 1st day of September, 2014, by and
between PHOENIX BLACKSTONE, LLC, a Georgia limited liability company (“Landlord”) and GREENSKY TRADE CREDIT, LLC, a Georgia
limited liability company (“Tenant”).

 

RECITALS

 

WHEREAS, Landlord
and Tenant are parties to that certain Phoenix Blackstone Center Lease dated as of October 1, 2013 (the “Lease”) pursuant
to which Tenant leased certain premises consisting of approximately 20,847 square feet located on the first (1st) and
second (2nd) floors of the building located at 1777/1797 Northeast Expressway NE, Atlanta, Georgia 30329 (the “Building”),
which premises are more particularly described in the Lease (the “Original Premises”); and

 

WHEREAS, Landlord
and Tenant desire to enter into this Amendment to, among other things, expand the Original Premises as more particularly set forth
herein.

 

NOW, THEREFORE,
in consideration of the foregoing recitals, which by this reference are hereby incorporated into the body of this Amendment, the
mutual promises set forth below, and other good and valuable consideration, the receipt, sufficiency and fairness of which are
hereby acknowledged, Landlord and Tenant, intending to be legally bound, agree as follows:

 

1.     Definitions.
Any capitalized terms used, but not defined, in this Amendment shall be deemed to have the meanings respectively ascribed to those
terms in the Lease. In the event of any conflict between the terms and provisions of the Lease and those of this Amendment, the
terms and provisions of this Amendment shall control in all events.

 

2.     Expansion
of Premises. Effective as of Landlord’s completion of Landlord’s Work related to the following premises (the “Expansion
Premises Commencement Date”), the Original Premises shall be expanded so as to include: (i) the approximately 1,603 Rentable
Square Feet commonly known as Suite 215 located in the building at 1777 Northeast Expressway NE, Atlanta, Georgia 30329 and shown
on Exhibit “A-1” attached hereto and, by this reference, made a part hereof; and (ii) the approximately 8,602
Rentable Square Feet located in the building at 1797 Northeast Expressway NE, Atlanta, Georgia 30329 and shown on Exhibit “A-2”
attached hereto and, by this reference, made a part hereof (collectively, the “Expansion Premises”, which shall be known
together with the Original Premises as the “Leased Premises”) in the Building so that, upon the Expansion Premises Commencement
Date, the Rentable Square Feet of the Leased Premises shall, for all purposes under the Lease, be conclusively deemed to be 31,052
Rentable Square Feet.

 

3.     Expansion
Term. The term for the Expansion Premises shall commence on the Expansion Premises Commencement Date and run coterminously
with the Lease Term for the Original Premises, expiring on April 30, 2018 (the “Expansion Premises Expiration Date”).
The period from the Expansion Premises Commencement

    	1

    	

    

Date to the Expansion
Premises Expiration Date shall be known as the “Expansion Term”.

 

4.     Fixed
Minimum Rent for the Leased Premises. Through the day immediately prior to the Expansion Premises Commencement Date, Tenant
shall continue to pay all Minimum Annual Rent and Monthly Rental Installments for the Premises as set forth in the Lease as unamended
hereby. Notwithstanding anything contained in the Lease to the contrary, as of the Expansion Premises Commencement Date, and continuing
through the Lease Term, the Minimum Annual Rent and the Monthly Rental Installments for the Leased Premises (as expanded hereby)
due and payable by Tenant to Landlord under the Lease shall be calculated as follows:

 

	Months	Minimum Annual 

Rent	Monthly Rental Installments
	Expansion Premises Commencement Date — April 30, 2015	$644,788.56	$53,732.38
	May 1, 2015 — April 30, 2016	$664,132.20	$55,344.35
	May 1, 2016 — April 30, 2017	$684,056.16	$57,004.68
	May 1, 2017 — April 30, 2018	$704,577.84	$58,714.82

 

5.     Tenant
Improvements. Landlord, at Landlord’s expense, shall construct and install all leasehold improvements to the Expansion Premises
(the “Tenant Improvements”) in accordance with the Work Letter attached hereto as Exhibit “B” and, by
this reference, made a part hereof. Tenant shall have no obligation with respect to construction or installation of the Tenant
Improvements.

 

Tenant shall have the
right, from and after the date Tenant Improvements have been completed and Tenant has accepted possession of the Expansion Premises,
at its sole cost and expense, to perform electrical fixturing, non-structural and non-mechanical fixturing and other similar work
in and to the Expansion Premises and furnish materials to the Expansion Premises as may be necessary or desirable for the operation
of Tenant’s business therein.

 

6.     Tenant’s
Proportionate Share. Upon the Expansion Premises Commencement Date, Tenant’s Proportionate Share as defined in Section 1.01(c)
of the Lease shall be 24.67%, calculated as 31,052 Rentable Square Feet of the Premises divided by 125,880 Rentable Square Feet
of the Buildings.

 

7.     Miscellaneous.

 

7.1     Entire
Agreement. The Lease, as modified by this Amendment, constitutes the entire understanding between the parties with respect
to the transaction contemplated herein, and all prior or contemporaneous oral agreements, understandings, representations and statements,
and all prior written agreements,

    	2

    	

    

understandings, letters
of intent and proposals are merged into this Amendment. Except as otherwise expressly provided herein, neither this Amendment nor
any provisions hereof may be waived, modified, amended, discharged or terminated except by an instrument in writing signed by the
party against which the enforcement of such waiver, modification, amendment, discharge or termination is sought, and then only
to the extent set forth in such instrument. The Lease, as modified by this Amendment, is hereby ratified and confirmed by Landlord
and Tenant.

 

7.2     No
Recording. Neither this Amendment nor any memorandum thereof shall be recorded and the act of recording by Tenant shall be
deemed a default by Tenant hereunder.

 

7.3     Governing
Law. This Amendment shall be governed by and construed in accordance with the laws of the state in which the Building is located.

 

7.4     Construction
of Agreement. In construing this Amendment, all headings and titles are for the convenience of the parties only and shall not
be considered a part of this Amendment. Whenever required by the context, the singular shall include the plural and the masculine
shall include the feminine and vice versa. This Amendment shall not be construed as if prepared by one of the parties, but rather
according to its fair meaning as a whole, as if both parties had prepared it. All (if any) Exhibits attached hereto are incorporated
in this Amendment by reference thereto.

 

7.5     Indemnification
for Leasing Commissions. Tenant hereby represents and warrants that, other than Wiedmayer Brokerage, LLC (“Landlord’s
Broker”), for Landlord, it has not dealt with any real estate broker in the negotiation and execution of this Amendment and
that no party is entitled, as a result of the actions of Tenant, to a commission or other fee resulting from the execution of this
Amendment. Tenant shall indemnify Landlord from any and all liability for the breach of this representation and shall pay any compensation
to any other broker or person who may be entitled thereto. Landlord shall be responsible for paying any brokerage commissions owed
to Landlord’s Broker related to the execution of this Amendment.

 

7.6     Partial
Invalidity. The provisions of this Amendment shall be deemed independent and severable, and the invalidity or partial invalidity
or enforceability of any one provision shall not affect the validity of enforceability of any other provision hereof.

 

7.7     Counterparts;
Facsimile. This Amendment may be executed in multiple counterparts and shall be valid and binding with the same force and effect
as if all parties had executed the same Amendment. A fully executed facsimile copy of this Amendment shall be effective as an original.

 

[ Signatures to follow ]

    	3

    	

    

IN WITNESS WHEREOF,
the parties executed this Amendment as of the 1st day of September, 2014.

 

	LANDLORD:	 	PHOENIX BLACKSTONE, LLC,
	 	 	a Georgia limited liability company
	 	 	 	 
	 	 	By:	By: Wiedmayer + Co., LLC
	 	 	 	a Georgia limited liability company,

its Manager
	 	 	 	 
	/s/
    Mark Dellarath [sic]	 	By: /s/ Ryan N. Wiedmayer

	Witness	 	Name: Ryan N. Wiedmayer

	 	 	Its: Manager

	/s/ Sheila Atioski [sic]	 	 	 
	Witness	 	 	 
	 	 	 	 
	TENANT:	 	GREENSKY TRADE CREDIT, LLC,
 a Georgia limited liability company
	 	 	 
	/s/ Mark Dellarath [sic]	 	By: /s/ Jacob Crowe

	Witness	 	Name: Jacob Crowe

	 	 	Title: Treasurer

	/s/ Sheila Atioski [sic]	 	 	 
	Witness	 	 	 

    	4

    	

    

SECOND AMENDMENT TO PHOENIX BLACKSTONE
CENTER LEASE

 

This Second Amendment
to Phoenix Blackstone Center Lease (this “Second Amendment”) is made as of this  2  day of  June  2015,
by and between PHOENIX BLACKSTONE, LLC, a Georgia limited liability company (“Landlord”) and GREENSKY TRADE CREDIT, LLC,
a Georgia limited liability company (“Tenant”).

 

RECITALS

 

WHEREAS, Landlord
and Tenant are parties to that certain Phoenix Blackstone Center Lease dated as of October 1, 2013, as modified by that certain
First Amendment to Phoenix Blackstone Center Lease dated September 1, 2014 (hereinafter, collectively, the “Lease”) pursuant
to which Tenant leases certain premises consisting of approximately 31,052 square feet (as previously expanded) located on the
first (1st) and second (2nd) floors of the building located at 1777/1797 Northeast Expressway NE, Atlanta,
Georgia 30329 (the “Building”), which premises are more particularly described in the Lease (the “Original Premises”);
and

 

WHEREAS, Landlord
and Tenant desire to enter into this Second Amendment to, among other things, further expand the Original Premises as more particularly
set forth herein;

 

NOW, THEREFORE,
in consideration of the foregoing recitals, which by this reference are hereby incorporated into the body of this Second Amendment,
the mutual promises set forth below, and other good and valuable consideration, the receipt, sufficiency and fairness of which
are hereby acknowledged, Landlord and Tenant, intending to be legally bound, agree as follows:

 

8.     Definitions.
Any capitalized terms used, but not defined, in this Second Amendment shall be deemed to have the meanings respectively ascribed
to those terms in the Lease. In the event of any conflict between the terms and provisions of the Lease and those of this Second
Amendment, the terms and provisions of this Second Amendment shall control in all events.

 

9.     Expansion
of Leased Premises. Effective as of December 31, 2014 (the “Target Commencement Date”), the Original Premises shall
be expanded so as to include: (i) the approximately 1,001 Rentable Square Feet commonly known as Suite 112 located on the first
(1st) floor of the building located at 1797 Northeast Expressway NE, Atlanta, Georgia 30329 and shown on Exhibit “A-1”
attached hereto and, by this reference, made a part hereof; and (ii) the approximately 22,827 Rentable Square Feet located on the
third (3rd) floor of the building located at 1797 Northeast Expressway NE, Atlanta, Georgia 30329 and shown on Exhibit “A-2”
attached hereto and, by this reference, made a part hereof (collectively, the “Second Expansion Premises”, which shall
be known together with the Original Premises as the “Leased Premises”) in the Building so that, upon the Second Expansion
Premises Commencement Date, the Rentable Area of the Leased Premises shall, for all purposes under the Lease, be conclusively deemed
to be 54,880 Rentable Square Feet.

 

10.    Expansion
Premises Term. The term for the Second Expansion Premises shall run co-terminously with the Lease Term for the Original Premises,
as extended hereby (the “Second Expansion Premises Expiration Date”). The period from the

    	1

    	

    

Second Expansion Premises
Commencement Date to the Second Expansion Premises Expiration Date shall be known as the “Expansion Term”.

 

11.    Fixed
Minimum Rent for the Leased Premises. Through the day immediately prior to the Second Expansion Premises Commencement Date,
Tenant shall continue to pay all Minimum Annual Rent and Monthly Rental Installments for the Leased Premises as set forth in the
Lease as unamended hereby. Notwithstanding anything contained in the Lease to the contrary, as of the Second Expansion Premises
Commencement Date, and continuing through the Lease Term and the Extended Term, the Minimum Annual Rent and the Monthly Rental
Installments for the Leased Premises (as expanded hereby) due and payable by Tenant to Landlord under the Lease shall be calculated
as follows:

 

	Months	Annual Rent	Monthly

Installments	P.S.F.
	1/1/15	4/30/15	$1,128,353.80	$94,029.48	$20.56
	5/1/16	4/30/16	$1,162,207.62	$96,850.64	$21.18
	5/1/17	4/30/17	$1,197,072.16	$99,756.01	$21.81
	5/1/18	4/30/18	$1,232,985.47	$102,748.79	$22.47

 

12.    Tenant
Improvements. Other than as expressly set forth in the Work Letter attached hereto as Exhibit “B”, Landlord shall
not be required to construct any improvements to the Second Expansion Premises and Tenant shall accept same in its AS-IS, WHERE-IS
condition.

 

13.    INTENTIONALLY
OMITTED.

 

14.    Miscellaneous.

 

14.1     Entire
Agreement. The Lease, as modified by this Second Amendment, constitutes the entire understanding between the parties with respect
to the transaction contemplated herein, and all prior or contemporaneous oral agreements, understandings, representations and statements,
and all prior written agreements, understandings, letters of intent and proposals are merged into this Second Amendment. Except
as otherwise expressly provided herein, neither this Second Amendment nor any provisions hereof may be waived, modified, amended,
discharged or terminated except by an instrument in writing signed by the party against which the enforcement of such waiver, modification,
amendment, discharge or termination is sought, and then only to the extent set forth in such instrument. The Lease, as modified
by this Second Amendment, is hereby ratified and confirmed by Landlord and Tenant.

 

14.2     No
Recording. Neither this Second Amendment nor any memorandum thereof shall be recorded and the act of recording by Tenant shall
be deemed a default by Tenant hereunder.

 

14.3     Governing
Law. This Second Amendment shall be governed by and construed in accordance with the laws of the state in which the Building
is located.

    	2

    	

    

14.4     Construction
of Agreement. In construing this Second Amendment, all headings and titles are for the convenience of the parties only and
shall not be considered a part of this Second Amendment. Whenever required by the context, the singular shall include the plural
and the masculine shall include the feminine and vice versa. This Second Amendment shall not be construed as if prepared by one
of the parties, but rather according to its fair meaning as a whole, as if both parties had prepared it. All (if any) Exhibits
attached hereto are incorporated in this Second Amendment by reference thereto.

 

14.5     Indemnification
for Leasing Commissions. Landlord and Tenant hereby represent and warrant to each other that, other than Wiedmayer Brokerage,
LLC (“Landlord’s Broker), for Landlord, neither has dealt with any real estate broker in the negotiation and execution of
this Second Amendment and that no other party is entitled, as a result of the actions of the party making such representation,
to a commission or other fee resulting from the execution of this Second Amendment. Each party shall indemnify the other from any
and all liability for the breach of such party’s representation. Landlord shall be responsible for paying any brokerage commissions
owed to Landlord’s Broker related to the execution of this Second Amendment.

 

14.6     Partial
Invalidity. The provisions of this Second Amendment shall be deemed independent and severable, and the invalidity or partial
invalidity or enforceability of any one provision shall not affect the validity of enforceability of any other provision hereof.

 

14.7     Counterparts;
Facsimile. This Second Amendment may be executed in multiple counterparts and shall be valid and binding with the same force
and effect as if all parties had executed the same Second Amendment. A fully executed facsimile copy of this Second Amendment shall
be effective as an original.

 

[Signatures to follow]

    	3

    	

    

IN WITNESS WHEREOF,
the parties executed this Second Amendment as of the 2nd day of June, 2015.

 

	LANDLORD:	 	PHOENIX BLACKSTONE, LLC,
 a Georgia limited liability company
	 	 	 
	 	 	By:	By: Wiedmayer + Co., LLC

a Georgia limited liability company,

its Manager
	 	 	 	 
	[Illegible]	 	By: /s/ Ryan N. Wiedmayer

	Witness	 	Name: Ryan N. Wiedmayer

	 	 	Its: Manager

	 	 	 	 
	Witness	 	 	 
	 	 	 	 
	TENANT:	 	GREENSKY TRADE CREDIT, LLC,
 a Georgia limited liability company
	 	 	 
	[Illegible]	 	By: /s/ Robert G. Partlow

	Witness	 	Name: Robert G. Partlow

	 	 	Title: CFO

	 	 	 	 
	Witness	 	 	 

    	4

    	

    

THIRD AMENDMENT TO PHOENIX BLACKSTONE
CENTER LEASE

 

This Third Amendment
to Phoenix Blackstone Center Lease (this “Third Amendment”) is made as of this 8th day of November,
2016, by and between PHOENIX BLACKSTONE, LLC, a Georgia limited liability company (“Landlord”) and GREENSKY, LLC, a Georgia
limited liability company (“Tenant”).

 

RECITALS

 

WHEREAS, Landlord
and Tenant are parties to that certain Phoenix Blackstone Center Lease dated as of October 1, 2013, as modified by that certain
First Amendment to Phoenix Blackstone Center Lease dated September 1, 2014, and as further modified by that certain Second Amendment
to Phoenix Blackstone Center Lease dated June 2, 2015 (hereinafter, collectively, the “Lease”) pursuant to which Tenant
leases certain premises consisting of approximately 49,413 square feet (as previously expanded) located on the first (1st),
second (2nd) and third (3rd) floors of the building located at 1777/1797 Northeast Expressway NE, Atlanta,
Georgia 30329 (the “Building”), which premises are more particularly described in the Lease (the “Original Premises”);
and

 

WHEREAS, Landlord
and Tenant desire to enter into this Third Amendment to, among other things, further expand the Original Premises as more particularly
set forth herein;

 

NOW, THEREFORE,
in consideration of the foregoing recitals, which by this reference are hereby incorporated into the body of this Third Amendment,
the mutual promises set forth below, and other good and valuable consideration, the receipt, sufficiency and fairness of which
are hereby acknowledged, Landlord and Tenant, intending to be legally bound, agree as follows:

 

15.     Definitions.
Any capitalized terms used, but not defined, in this Third Amendment shall be deemed to have the meanings respectively ascribed
to those terms in the Lease. In the event of any conflict between the terms and provisions of the Lease and those of this Third
Amendment, the terms and provisions of this Third Amendment shall control in all events.

 

16.     Expansion
of Leased Premises. Effective as of the date of “Substantial Completion” of the “Tenant Improvements” (both
as hereinafter defined) (the “Third Expansion Premises Commencement Date”), which is estimated to occur on or about February
1, 2017 (the “Target Commencement Date”), the Original Premises shall be expanded so as to include the approximately
21,287 Rentable Square Feet commonly known as Suite 400 located on the fourth (4th) floor of the building located at 1797 Northeast
Expressway NE, Atlanta, Georgia 30329 and shown on Exhibit “A” attached hereto and, by this reference, made a
part hereof (the “Third Expansion Premises”, which shall be known together with the Original Premises as the “Leased
Premises”) in the Building so that, upon the Third Expansion Premises Commencement Date, the Rentable Area of the Leased Premises
shall, for all purposes under the Lease, be conclusively deemed to be 70,700 Rentable Square Feet.

 

17.     Expansion
Premises Term. The term for the Third Expansion Premises shall run co-terminously with the Lease Term for the Original Premises,
as extended

    	1

    	

    

hereby (the “Third
Expansion Premises Expiration Date”). The period from the Third Expansion Premises Commencement Date to the Third Expansion
Premises Expiration Date shall be known as the “Expansion Term”.

 

18.     Extension
of Term. The Term for the Leased Premises, as expanded hereby, shall be extended for a period of time so as to cause the Term
to expire on April 30, 2023 the (“Extended Term”). During the Extended Term, all terms and conditions set forth in the
Lease shall apply, except as expressly modified by this Third Amendment.

 

4.       Fixed
Minimum Rent for the Leased Premises. Through the day immediately prior to the Third Expansion Premises Commencement Date,
Tenant shall continue to pay all Minimum Annual Rent and Monthly Rental Installments for the Leased Premises as set forth in the
Lease as unamended hereby. Notwithstanding anything contained in the Lease to the contrary, as of the Third Expansion Premises
Commencement Date, and continuing through the Lease Term and the Extended Term, the Minimum Annual Rent and the Monthly Rental
Installments for the Leased Premises (as expanded hereby) due and payable by Tenant to Landlord under the Lease shall be calculated
as follows:

 

	Months	Minimum

Annual Rent	Monthly Rental

Installments
	Third Expansion Premises Commencement Date - April 30, 2017	$1,521,555.00	$126,796.25
	May 1, 2017 —April 30, 2018	$1,567,201.65	$130,600.14
	May 1, 2018 —April 30, 2019	$1,614,217.70	$134,518.14
	May 1, 2019 —April 30, 2020	$1,662,644.23	$138,553.69
	May 1, 2020 — April 30, 2021	$1,712,523.56	$142,710.30
	May 1, 2021 —April 30, 2022	$1,763,899.26	$146,991.61
	May 1, 2022 —April 30, 2023	$1,816,816.24	$151,401.35

 

19.     Tenant
Improvements. Other than as expressly set forth in the Work Letter attached hereto as Exhibit “B”, Landlord
shall not be required to construct any improvements to the Third Expansion Premises and Tenant shall accept same in its AS-IS,
WHERE-IS condition.

 

20.     INTENTIONALLY
OMITTED.

 

21.     Miscellaneous.

 

21.1     Entire
Agreement. The Lease, as modified by this Third Amendment, constitutes the entire understanding between the parties with respect
to the transaction contemplated herein, and all prior or contemporaneous oral agreements, understandings, representations and statements,
and all prior written agreements, understandings, letters of intent and proposals are merged into this Third Amendment.

    	2

    	

    

Except as otherwise expressly
provided herein, neither this Third Amendment nor any provisions hereof may be waived, modified, amended, discharged or terminated
except by an instrument in writing signed by the party against which the enforcement of such waiver, modification, amendment, discharge
or termination is sought, and then only to the extent set forth in such instrument. The Lease, as modified by this Third Amendment,
is hereby ratified and confirmed by Landlord and Tenant.

 

21.2     No
Recording. Neither this Third Amendment nor any memorandum thereof shall be recorded and the act of recording by Tenant shall
be deemed a default by Tenant hereunder.

 

21.3     Governing
Law. This Third Amendment shall be governed by and construed in accordance with the laws of the state in which the Building
is located.

 

21.4     Construction
of Agreement. In construing this Third Amendment, all headings and titles are for the convenience of the parties only and shall
not be considered a part of this Third Amendment. Whenever required by the context, the singular shall include the plural and the
masculine shall include the feminine and vice versa. This Third Amendment shall not be construed as if prepared by one of the parties,
but rather according to its fair meaning as a whole, as if both parties had prepared it. All (if any) Exhibits attached hereto
are incorporated in this Third Amendment by reference thereto.

 

21.5     Indemnification
for Leasing Commissions. Landlord and Tenant hereby represent and warrant to each other that, other than Wiedmayer Brokerage,
LLC (“Landlord’s Broker”), for Landlord, neither has dealt with any real estate broker in the negotiation and execution
of this Third Amendment and that no other party is entitled, as a result of the actions of the party making such representation,
to a commission or other fee resulting from the execution of this Third Amendment. Each party shall indemnify the other from any
and all liability for the breach of such party’s representation. Landlord shall be responsible for paying any brokerage commissions
owed to Landlord’s Broker related to the execution of this Third Amendment.

 

21.6     Partial
Invalidity. The provisions of this Third Amendment shall be deemed independent and severable, and the invalidity or partial
invalidity or enforceability of any one provision shall not affect the validity of enforceability of any other provision hereof.

 

21.7     Counterparts;
Facsimile. This Third Amendment may be executed in multiple counterparts and shall be valid and binding with the same force
and effect as if all parties had executed the same Third Amendment. A fully executed facsimile copy of this Third Amendment shall
be effective as an original.

 

[Signatures to follow]

    	3

    	

    

IN WITNESS WHEREOF,
the parties executed this Third Amendment as of the 10th day of November 2016.

 

	LANDLORD:	PHOENIX BLACKSTONE, LLC,
 a Georgia limited liability company
	 	 	 
	 	By:	By: Wiedmayer + Co., LLC

a Georgia limited liability company,

its Manager
	 	 	 
	 	By: /s/ Ryan N. Wiedmayer

	 	Name: Ryan N. Wiedmayer
	 	 	 
	 	Its: Managing Member of Wiedmayer & Co.
	 	 	 
	 	Date: 11/10/2016

	 	 	 
	TENANT:	GREENSKY, LLC,
 a Georgia limited liability company
	 	 	 
	 	By: /s/ Robert Partlow

	 	 	 
	 	Name: Robert Partlow

	 	 	 
	 	Title: CFO

	 	 	 
	 	Date: 11/10/16

    	4

    	

    

FOURTH AMENDMENT TO PHOENIX BLACKSTONE
CENTER LEASE

 

This Fourth Amendment
to Phoenix Blackstone Center Lease (this “Fourth Amendment”) is made as of this date 1/8/2018 (the “Effective
Date”), by and between PHOENIX BLACKSTONE, LLC, a Georgia limited liability company (“Landlord”) and GREENSKY,
LLC (F/K/A GREENSKY TRADE CREDIT, LLC), a Georgia limited liability company (“Tenant”).

 

RECITALS

 

WHEREAS, Landlord
and Tenant are parties to that certain Phoenix Blackstone Center Lease dated as of October 1, 2013, as modified by that certain
First Amendment to Phoenix Blackstone Center Lease dated September 1, 2014, as modified by that certain Second Amendment to Phoenix
Blackstone Center Lease dated June 2, 2015, and as further modified by that certain Third Amendment to Phoenix Blackstone Center
Lease dated November 18, 2016 (the “Third Amendment”) (hereinafter, collectively, the “Lease”) pursuant
to which Tenant leases certain premises consisting of approximately 70,700 Rentable Square Feet (as previously expanded) located
on the first (1st), second (2nd), third (3rd) and fourth (4th) floors of the building
located at 1777/1797 Northeast Expressway NE, Atlanta, Georgia 30329 (the “Building”), which premises are more particularly
described in the Lease (the “Original Premises”); and

 

WHEREAS, Landlord
and Tenant desire to enter into this Fourth Amendment to, among other things, further expand the Original Premises as more particularly
set forth herein;

 

NOW, THEREFORE,
in consideration of the foregoing recitals, which by this reference are hereby incorporated into the body of this Fourth Amendment,
the mutual promises set forth below, and other good and valuable consideration, the receipt, sufficiency and fairness of which
are hereby acknowledged, Landlord and Tenant, intending to be legally bound, agree as follows:

 

1. 
Definitions. Any capitalized terms used, but not defined,
in this Fourth Amendment shall be deemed to have the meanings respectively ascribed to those terms in the Lease. In the event
of any conflict between the terms and provisions of the Lease and those of this Fourth Amendment, the terms and provisions of
this Fourth Amendment shall control in all events.

 

2. 
Expansion of Leased Premises. Effective as of the date
of “Substantial Completion” of the “Tenant Improvements” (both as hereinafter defined) (the “Fourth
Expansion Premises Commencement Date”), which is estimated to occur on or about February 1, 2018 (the “Target Commencement
Date”), the Original Premises shall be expanded so as to include: (i) the approximately 10,950 Rentable Square Feet commonly
known as Suite 250 located on the second (2nd) floor of the building located at 1797 Northeast Expressway NE, Atlanta,
Georgia 30329 and shown on Exhibit “A” attached hereto and by this reference, made a part hereof; and (ii) the approximately
785 Rentable Square Feet commonly known as the UPS area located on the first (1st) floor of the building located at
1797 Northeast Expressway NE, Atlanta, Georgia 30329

    	 

    	

    

and shown on Exhibit “A”
(collectively, the “Fourth Expansion Premises”, which shall be known together with the Original Premises as the “Leased
Premises”) in the Building so that, upon the Fourth Expansion Premises Commencement Date, the Rentable Area of the Leased
Premises shall, for all purposes under the Lease, be conclusively deemed to be 82,435 Rentable Square Feet.

 

3. 
Expansion Premises Term. The term for the Fourth Expansion
Premises shall run co-terminously with the Lease Term for the Original Premises and expire upon April 30, 2023.

 

4. 
Minimum Annual Rent for the Leased Premises. Through the day
immediately prior to the Fourth Expansion Premises Commencement Date, Tenant shall continue to pay all Minimum Annual Rent and
Monthly Rental Installments for the Leased Premises as set forth in the Lease as unamended hereby. Notwithstanding anything contained
in the Lease to the contrary, as of the Fourth Expansion Premises Commencement Date, and continuing through the Lease Term and
the Extended Term, the Minimum Annual Rent and the Monthly Rental Installments for the Leased Premises (as expanded hereby) due
and payable by Tenant to Landlord under the Lease shall be calculated as follows:

 

	Months	 	Minimum Annual	 	 	Monthly Rental	 
	 	 	Rent	 	 	Installments	 
	Fourth Expansion Premises Commencement Date - April 30, 2018	 	$	1,827,328.44	 	 	$	152,277.37	 
	May 1, 2018 – April 30, 2019	 	$	1,881,991.08	 	 	$	156,832.59	 
	May 1, 2019 – April 30, 2020	 	$	1,938,871.20	 	 	$	161,572.60	 
	May 1, 2020 – April 30, 2021	 	$	1,996,575.72	 	 	$	166,381.31	 
	May 1, 2021 – April 30, 2022	 	$	2,056,753.20	 	 	$	171,396.10	 
	May 1, 2022 – April 30, 2023	 	$	2,118,579.48	 	 	$	176,548.29	 

 

 

5. 
Tenant Improvements. Other than as expressly set forth in
this Section 5 and the Work Letter attached hereto as Exhibit “B”, Landlord shall not be required to construct
any improvements to the Fourth Expansion Premises and Tenant shall accept same in its AS-IS, WHERE-IS condition.

 

Landlord shall,
at Landlord’s cost and expense (not to exceed $40,000.00 in total), remodel the restrooms located on the first (1st)
and (2nd) floors of the Building.

 

Landlord shall,
at Landlord’s cost and expense (not to exceed $60,000.00 in total), remodel the lobby area located on the (2nd)
floor of the Building.

 

Promptly following
the Fourth Expansion Premises Commencement Date, Tenant shall, at Tenant’s cost and expenses, remodel the lobby area serving
the first (1st) floor of the Building using Building-standard materials designated by Landlord. Tenant shall obtain
all necessary licenses, permits and approvals which are necessary in connection with such remodel work. Such remodel shall be performed
in a good and workmanlike manner and in accordance with all of the terms and conditions of the

    	 

    	

    

Lease. The plans and specifications
prepared by Tenant for such remodel shall be subject to Landlord’s prior review and approval.

 

In connection
with Tenant’s construction of any of the improvements to be constructed by Tenant in connection with this Fourth Amendment,
Tenant shall have the right to select a general contractor of its choosing or to utilize Landlord’s recommended general contractor.

 

Landlord and
Tenant hereby acknowledge and agree that, as of the Effective Date, Tenant has One Hundred Ninety-Nine Thousand Nineteen and 00/100
Dollars ($199,019.00) of unused Allowance remaining pursuant to the Third Amendment (the “Third Amendment Allowance”).
Tenant shall be permitted to use the Third Amendment Allowance toward any of the improvements to be constructed by Tenant pursuant
to this Fourth Amendment.

 

6. 
Generator. 

 

6.1 Tenant shall,
at Tenant’s sole cost and expense, be permitted to operate and use the existing electrical generator located at
the Building (“Emergency Generator”).

 

 6.2 Tenant shall have a
non-exclusive right of ingress and egress seven (7) days a week, twenty-four (24) hours a day, over common uses of the property
and in and through the Building to and from the Premises for the purpose of installation, operation and maintenance of Tenant’s
Emergency Generator. Tenant agrees to notify Landlord prior to operating the Emergency Generator. Tenant shall endeavor to perform
any tests or maintenance to the Emergency Generator outside of the Building’s normal business hours to minimize disruption
to the tenants of the Building. Tenant shall insure, repair and maintain the Emergency Generator at Tenant’s sole cost and
expense. Tenant shall indemnify and hold Landlord harmless for any claims or damages related to the Emergency Generator arising
from and after the Effective Date. Neither Landlord nor Tenant shall have any obligation to replace the Emergency Generator should
replacement become necessary.

 

7. 
Miscellaneous.

 

7.1 Entire
Agreement. The Lease, as modified by this Fourth Amendment, constitutes the entire understanding between the parties with respect
to the transaction contemplated herein, and all prior or contemporaneous oral agreements, understandings, representations and statements,
and all prior written agreements, understandings, letters of intent and proposals are merged into this Fourth Amendment. Except
as otherwise expressly provided herein, neither this Fourth Amendment nor any provisions hereof may be waived, modified, amended,
discharged or terminated except by an instrument in writing signed by the party against which the enforcement of such waiver, modification,
amendment, discharge or termination is sought, and then only to the extent set forth in such instrument. The Lease, as modified
by this Fourth Amendment, is hereby ratified and confirmed by Landlord and Tenant.

    	 

    	

    

7.2  No Recording.
Neither this Fourth Amendment nor any memorandum thereof shall be recorded and the act of recording by Tenant shall be deemed a
default by Tenant hereunder.

 

7.3 Governing Law.
This Fourth Amendment shall be governed by and construed in accordance with the laws of the state in which the Building is located.

 

7.4 Construction
of Agreement. In construing this Fourth Amendment, all headings and titles are for the convenience of the parties only and
shall not be considered a part of this Fourth Amendment. Whenever required by the context, the singular shall include the plural
and the masculine shall include the feminine and vice versa. This Fourth Amendment shall not be construed as if prepared by one
of the parties, but rather according to its fair meaning as a whole, as if both parties had prepared it. All (if any) Exhibits
attached hereto are incorporated in this Fourth Amendment by reference thereto.

 

7.5 Indemnification
for Leasing Commissions. Landlord and Tenant hereby represent and warrant to each other that, other than Wiedmayer Brokerage,
LLC (“Landlord’s Broker”), for Landlord, neither has dealt with any real estate broker in the negotiation and
execution of this Fourth Amendment and that no other party is entitled, as a result of the actions of the party making such representation,
to a commission or other fee resulting from the execution of this Fourth Amendment. Each party shall indemnify the other from any
and all liability for the breach of such party’s representation. Landlord shall be responsible for paying any brokerage commissions
owed to Landlord’s Broker related to the execution of this Fourth Amendment.

 

7.6 Partial Invalidity.
The provisions of this Fourth Amendment shall be deemed independent and severable, and the invalidity or partial invalidity or
enforceability of any one provision shall not affect the validity of enforceability of any other provision hereof.

 

7.7 Counterparts;
Facsimile. This Fourth Amendment may be executed in multiple counterparts and shall be valid and binding with the same force
and effect as if all parties had executed the same Fourth Amendment. A fully executed facsimile copy of this Fourth Amendment shall
be effective as an original.

 

[Signatures to follow]

    	 

    	

    

IN WITNESS WHEREOF, the parties executed this Fourth
Amendment as of the date 1/8/2018.

 

	 	LANDLORD:	PHOENIX BLACKSTONE, LLC,

a Georgia limited liability company
	 	 	 
	 	 	By: By: Wiedmayer + Co., LLC

a Georgia limited liability company,

its Manager
	 	 	 
	 	 	By: 	/s/ Ryan Wiedmayer
	 	 	 	 
	 	 	Name: Ryan N. Wiedmayer
	 	 	 
	 	 	Its: Authorized Agent, Property Manager

	 	 	 
	 	 	Date:  	1/8/2018

 

	 	TENANT:	GREENSKY, LLC,

a Georgia limited liability company
	 	 	 
	 	 	By: 	/s/ Robert Partlow
	 	 	 	 
	 	 	Name: Robert Partlow
	 	 	 
	 	 	Title: CFO

	 	 	 
	 	 	Date:  	1/8/2018

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