Document:

Exhibit 4.3

 

Neither this Warrant nor the Class A
Units issuable upon exercise of this Warrant have been registered under the Securities Act of 1933, as amended, and neither this
Warrant nor the Class A Units issuable upon exercise of this Warrant may be transferred except as provided in Section 3 of this
Warrant.

 

WARRANT 

to Purchase Class A Units of

GreenSky Trade Credit, LLC 

Expiring December 31, 2023

 

This Warrant certifies
that QED Investors, LLC, a Delaware limited liability company, or registered assigns (the “Holder”), is entitled
to subscribe for and purchase from GreenSky Trade Credit, LLC, a Georgia limited liability company (the “Company”),
up to 130,464.02 duly authorized Class A Units of the Company, subject to the vesting schedule in Section 7 hereof, at a purchase
price equal to the per Class A Unit (the “Exercise Price”) as will be set based on the 409A valuation as of
December 31, 2013, which is to be completed in January 2014 (final copy of valuation will be attached to this agreement). The Exercise
Price may be adjusted as provided in Section 7.

 

Capitalized terms used
but not defined herein have the meanings assigned thereto in the Third Amended and Restated Operating Agreement of the Company,
dated as of December 31, 2013 (as may be amended from time to time, the “Operating Agreement”).

 

This Warrant is subject to the following provisions,
terms and conditions:

 

Section 1. Exercise of Warrant.

 

To exercise this Warrant
in whole or in part, the Holder shall deliver to the Company at its principal office in Atlanta, Georgia, (a) a written notice,
in substantially the form of the Subscription Notice appearing at the end of this Warrant (the “Subscription Notice”),
of the Holder’s election to exercise this Warrant, which notice shall specify the number of Class A Units to be purchased,
(b) cash or a certified check payable to the Company in an amount equal to the aggregate purchase price of the number of Class
A Units being purchased and (c) this Warrant. The Company shall as promptly as practicable, and in any event within 15 days thereafter,
amend Exhibit C to the Operating Agreement to reflect the issuance of the Class A Units to the Holder and, if the Class A Units
of the Company are then represented by unit certificates, execute and deliver or cause to be executed and delivered, in accordance
with such Subscription Notice, a certificate or certificates representing the aggregate number of Class A Units specified in such
Subscription Notice. Such Class A Units shall be deemed to have been issued, and the Holder or any other person so designated to
be named therein shall be deemed for all purposes to have become a holder of record of such Class A Units, as of the date such
Subscription Notice is received by the Company as aforesaid. If this Warrant shall have been exercised only in part, the Company
shall deliver to the Holder a new Warrant evidencing the rights of the Holder to purchase the remaining Class A Units called for
by this Warrant, which new Warrant shall in all other respects be identical to this Warrant, or, at the request of the Holder,
appropriate notation may be made on this Warrant and the same returned to the Holder. The Company shall pay all expenses, taxes
and other charges payable in connection with the

    	 

    	

    

amendment of Exhibit C to the Operating
Agreement and the preparation, issue and delivery of such unit certificates (if any) and new Warrants (if any), except that, in
case such unit certificates (if any) or new Warrants shall be registered in a name or names other than the name of the Holder,
funds sufficient to pay all transfer taxes that are payable upon the issuance of any such unit certificate or certificates or new
Warrants shall be paid by the Holder at the time of delivering the Subscription Notice.

 

All Class A Units issued
upon the exercise of this Warrant shall be validly issued, fully paid and nonassessable.

 

Notwithstanding any
provisions herein to the contrary, if the fair market value of one Class A Unit is greater than the Exercise Price (at the date
of calculation as set forth below), in lieu of exercising as provided above, the Holder may by surrender of this Warrant at the
principal office of the Company together with the properly endorsed Subscription Notice elect to receive the number of Class A
Units computed using the following formula (the “Net Exercise Formula”):

 

X = Y (A-B)

A

 

	 	Where	 X =	 the number of Class A Units to be issued to the Holder

 

	 	Y =	the number of Class A Units purchasable under the Warrant or, if only a portion of the Warrant is being exercised, that portion
of the Warrant being canceled (at the date of such calculation)

 

	 	A =	the fair market value of one Class A Unit (at the date of such calculation)

 

	 	B =	Exercise Price (as adjusted to the date of such calculation)

 

For purposes of the
above calculation, the fair market value of one Class A Unit shall be determined by the Managers in good faith.

 

To the extent this Warrant
is not previously exercised as to all Class A Units subject to this Warrant, and if the fair market value of one Class A Unit is
greater than the Exercise Price then in effect, this Warrant shall be deemed automatically exercised pursuant to the Net Exercise
Formula above (even if not surrendered) immediately before its termination or expiration. For purposes of such automatic exercise,
the fair market value of one Class A Unit upon such termination or expiration shall be determined by the Managers in good faith.
To the extent this Warrant or any portion thereof is deemed automatically exercised pursuant to this paragraph, the Company agrees
to promptly notify the Holder of the number of Class A Units, if any, the Holder is to receive by reason of such automatic exercise.

 

Section 2. Transfer, Division and Combination.

 

The Company agrees to
maintain at its principal office in Atlanta, Georgia, books for the registration and transfer of this Warrant, and, subject to
the provisions hereof, including Section 3, this Warrant and all rights hereunder are transferable, in whole and not in part, on
such books

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at such office, upon surrender of this
Warrant at such office, together with a written assignment of this Warrant, in substantially the form of the Assignment appearing
at the end of this Warrant (the “Assignment”), duly executed by the Holder or its agent or attorney and funds
sufficient to pay any transfer taxes payable upon the making of such transfer. Upon such surrender and payment, the Company shall
execute and deliver a new Warrant or Warrants in the name of the assignee or assignees and in the denominations specified in such
Assignment, and this Warrant shall promptly be canceled. If and when this Warrant is assigned in blank, the Company may (but shall
not be obliged to) treat the bearer hereof as the absolute owner of this Warrant for all purposes, and the Company shall not be
affected by any notice to the contrary. A Warrant may be exercised by a new holder for the purchase of Class A Units without having
a new Warrant issued.

 

This Warrant may be
divided or combined with other Warrants upon presentation hereof at such principal office in Atlanta, Georgia, together with a
written notice specifying the names and denominations in which new Warrants are to be issued, signed by the Holder or his agent
or attorney. Subject to compliance with the preceding paragraph as to any transfer that may be involved in such division or combination,
the Company shall execute and deliver a new Warrant or Warrants in exchange for the Warrant or Warrants to be divided or combined
in accordance with such notice.

 

Section 3. Restrictions on Transfer of Warrants
and Transfer of Class A Units.

 

(a) Restrictions
on Exercise. This Warrant shall be exercisable only (i) under circumstances such that the issue of Class A Units issuable upon
such exercise is exempt from the requirements of registration under the Securities Act of 1933, as amended (or any similar statute
then in effect) (the “1933 Act”) and any applicable state securities law or (ii) upon registration of such Class A
Units in compliance therewith.

 

(b) Restriction
on Transfer of Warrant. The Holder shall not assign or transfer this Warrant, other than by will or the laws of descent and
distribution or, subject to the consent of the Company (which shall not be unreasonably withheld), to Holder’s affiliates.
No right or interest of the Holder or any successor on the Holder’s death in this Warrant shall be subject to any lien or
any obligation or liability of the Holder or any successor on the Holder’s death.

 

(c) Joinder
to Operating Agreement. By accepting this Warrant, the Holder agrees, that upon exercise of this Warrant and prior to receiving
any Class A Units in connection therewith, the Holder shall become a party to (to the extent it is not already a party), and be
bound by (to the extent it is not already bound by), the Operating Agreement.

 

(d) Restriction
on Transfer of Class A Units. The transfer of any Class A Units shall be subject to the terms, conditions and restrictions
set forth in the Operating Agreement.

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Section 4. Limitation of Liability; Not a
Member.

 

No provision of this
Warrant shall be construed as conferring upon the Holder the right to vote or to consent or to receive distributions or to receive
notice as a member in respect of meetings of members for the election of managers of the Company or any other matter whatsoever
as a member of the Company. No provision hereof, in the absence of affirmative action by the Holder to purchase Class A Units,
and no mere enumeration herein of the rights or privileges of the Holder, shall give rise to any liability of Holder for any debts
of the Company or as a member of the Company, whether such liability is asserted by the Company, creditors of the Company or others.

 

Section 5. Loss, Destruction, etc. of Warrant.

 

Upon receipt of evidence
satisfactory to the Company of the loss, theft, mutilation or destruction of any Warrant, and in the case of any such loss, theft
or destruction upon delivery of a bond of indemnity in such form and amount as shall be reasonably satisfactory to the Company,
or in the event of such mutilation upon surrender and cancellation of the Warrant, the Company will make and deliver a new Warrant,
of like tenor, in lieu of such lost, stolen, destroyed or mutilated Warrant. Any Warrant issued under the provisions of this Section
5 in lieu of any Warrant alleged to be lost, destroyed or stolen, or of any mutilated Warrant, shall constitute an original contractual
obligation on the part of the Company.

 

Section 6. Exercise and Expiration of Warrant.

 

This Warrant shall become
exercisable in accordance with the vesting schedule below. The expiration time and date of the Warrant shall be 5:00 p.m. (Atlanta,
Georgia time), December 31, 2023.

 

Subject to the earlier
expiration or termination of this Warrant in accordance with its terms, the Class A Units granted under this Warrant will become
vested as follows:

 

(a) This
Warrant will become vested with respect to twenty percent (20%) of the underlying Class A Units on the first (1st) anniversary
of the date hereof, provided the Holder remains a manager of the Company from the date hereof through such first (1st) anniversary.

 

(b) This
Warrant will become vested with respect to an additional twenty percent (20%) of the underlying Class A Units on the second (2nd)
anniversary of the date hereof, provided the Holder remains a manager of the Company from the date hereof through such second (2nd)
anniversary.

 

(c) This
Warrant will become vested with respect to an additional twenty percent (20%) of the underlying Class A Units on the third (3rd)
anniversary of the date hereof, provided the Holder remains a manager of the Company from the date hereof through such third (3rd)
anniversary.

 

(d) This
Warrant will become vested with respect to an additional twenty percent (20%) of the underlying Class A Units on the fourth (4th)
anniversary of the date

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hereof, provided the Holder remains
a manager of the Company from the date hereof through such fourth (4th) anniversary.

 

(e) This
Warrant will become vested with respect to the final twenty percent (20%) of the underlying Class A Units on the fifth (5th) anniversary
of the date hereof, provided the Holder remains a manager of the Company from the date hereof through such fifth (5th) anniversary.

 

(f) Notwithstanding
the foregoing, this Warrant will become vested with respect to one hundred percent (100%) of the underlying Class A Units on a
Sale of the Business (as defined in the Operating Agreement), to the extent not previously vested, provided (i) the Holder remains
a manager in the continuous service of the Company from the date hereof until the Sale of the Business or the termination of this
Warrant in connection with the Sale of the Business, or (ii) the Holder is removed from its position as a manager of the Company
without reasonable cause and within six (6) months thereafter there is a Sale of the Business.

 

Section 7. Adjustment of Exercise Price.

 

(a) Adjustment
for Splits and Combinations. If the Company shall at any time or from time to time after the date hereof effect a subdivision
of the outstanding Class A Units (by split or otherwise), the Exercise Price in effect immediately before that subdivision shall
be proportionately decreased so that the number of Class A Units issuable upon exercise of this Warrant shall be increased in proportion
to such increase in the aggregate number of Class A Units outstanding. If the Company shall at any time or from time to time after
the date hereof combine the outstanding Class A Units, the Exercise Price in effect immediately before the combination shall be
proportionately increased so that the number of Class A Units issuable on exercise of this Warrant shall be decreased in proportion
to such decrease in the aggregate number of Class A Units outstanding. Any adjustment under this Section 7(a) shall become effective
at the close of business on the date the subdivision or combination becomes effective.

 

(b) Adjustment
for Reclassification, Exchange and Substitution. If the Class A Units issuable upon exercise of this Warrant shall be changed
into the same or a different number of Units or any other class or classes of Units or other securities or consideration, whether
by capital reorganization, recapitalization, reclassification, merger, conversion or sale of all or substantially all of the assets
of the Company or otherwise (other than a subdivision or combination provided for in Section 7(a), then and in each such event
the Holder shall have the right thereafter to exercise this Warrant for the kind and amount of securities, cash or other property
receivable pursuant to such transaction by holders of the number of Class A Units that would have been subject to receipt by the
Holder upon exercise of this Warrant immediately prior to such transaction, all subject to further adjustment as provided in this
Section 7.

 

(c) Certificate
as to Adjustments. Upon the occurrence of any adjustment or readjustment of the Exercise Price pursuant to this Section 7,
the Company at its expense shall, as promptly as reasonably practicable but in any event not later than ten (10) days

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thereafter, compute such adjustment
or readjustment in accordance with the terms hereof and furnish to the Holder a certificate setting forth such adjustment or readjustment
(including the kind and amount of securities, cash or other property into which this Warrant is exercisable) and showing in reasonable
detail the facts upon which such adjustment or readjustment is based. The Company shall, as promptly as reasonably practicable
after the written request at any time of the Holder (but in any event not later than ten (10) days thereafter), furnish or cause
to be furnished to the Holder a certificate setting forth (A) the Exercise Price then in effect, and (B) the number of Class A
Units and the amount, if any, of other securities, cash or property which then would be received upon the exercise of this Warrant.

 

Section 8. Section
409A. It is intended that this Warrant be exempt from, or comply with, the requirements applicable to nonqualified deferred
compensation subject to Section 409A of the Code. For purposes of this Warrant, any action taken with respect to the Warrant shall
be undertaken in a manner that will not negatively affect the status of the Warrant as exempt from, or in compliance with, treatment
as deferred compensation subject to Section 409A of the Code, unless such action otherwise complies with Section 409A of the Code
to the extent necessary to avoid noncompliance. Notwithstanding the foregoing, neither the Company, the Managers nor any of their
representatives or agents shall be liable to the Holder in the event the Warrant fails to comply with, or otherwise be exempt from,
Section 409A of the Code.

 

Section 9. Governing Law.

 

All questions concerning
the construction, interpretation and validity of this Warrant, and all disputes arising hereunder or relating to the transactions
contemplated hereby, shall be governed by and construed and enforced in accordance with the domestic laws of the State of Georgia,
including all matters of construction, enforcement, validity and performance. In furtherance of the foregoing, the internal law
of the State of Georgia will control the interpretation and construction of this Warrant, even if under such jurisdiction’s
choice of law or conflict of law analysis, the substantive law of some other jurisdiction would ordinarily or necessarily apply.

 

Section 10. Notice of Sale of the Business.

 

Prior to any Sale of
the Business, the Company shall provide notice of such proposed Sale of the Business to Holder at least ten (10) days prior to
such proposed Sale of the Business, and include in such notice the details of such proposed Sale of the Business.

 

Section 11. Cumulative Remedies.

 

The rights and remedies
provided in this Warrant are cumulative and are not exclusive of, and are in addition to and not in substitution for, any other
rights or remedies available at law, in equity or otherwise.

 

Section 12. Equitable Relief.

 

Each of the Company
and the Holder acknowledges that a breach or threatened breach by such party of any of its obligations under this Warrant would
give rise to irreparable harm to the

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other party hereto for which monetary damages
would not be an adequate remedy and hereby agrees that in the event of a breach or a threatened breach by such party of any such
obligations, the other party hereto shall, in addition to any and all other rights and remedies that may be available to it in
respect of such breach, be entitled to equitable relief, including a restraining order, an injunction, specific performance and
any other relief that may be available from a court of competent jurisdiction.

 

Section 13. Notices.

 

All
notices required or permitted hereunder shall be in writing and shall be deemed effectively given: (a) upon personal delivery to
the party to be notified, (b) when sent by electronic transmission or facsimile if sent during normal business hours of the recipient,
if not, then on the next business day, (c) five (5) days after having been sent by registered or certified mail, return receipt
requested, postage prepaid, or (d) one (1) day after deposit with a nationally recognized overnight courier, specifying next day
delivery, with written verification of receipt. All communications shall be sent to the Company at the address listed on the signature
page and to Holder at 311 Cameron Street, Alexandria, Virginia 22314, or at such other address as the Company or Holder may designate
by ten (10) days advance written notice to the other parties hereto.

 

Section 14. Amendment and Modification.

 

Except as otherwise
provided herein, this Warrant may only be amended, modified or supplemented by an agreement in writing signed by each party hereto.
No waiver by the Company or the Holder of any of the provisions hereof shall be effective unless explicitly set forth in writing
and signed by the party so waiving. No waiver by any party shall operate or be construed as a waiver in respect of any failure,
breach or default not expressly identified by such written waiver, whether of a similar or different character, and whether occurring
before or after that waiver. No failure to exercise, or delay in exercising, any rights, remedy, power or privilege arising from
this Warrant shall operate or be construed as a waiver thereof; nor shall any single or partial exercise of any right, remedy,
power or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy, power or
privilege.

 

Section 15. Miscellaneous.

 

Unless the Managers
conclude in good faith that applicable law requires otherwise: (a) in the event the parties determine that the exercise of this
Warrant results in taxable income with respect to the holder of this Warrant, such income shall be reported as taxable income of
QED Fund II, L.P., and (b) the Company will not report any such taxable income to any individual partner or principal of QED Fund
II, L.P., or its affiliates.

 

Section 16. WAIVER OF JURY TRIAL.

 

EACH OF THE PARTIES
HERETO IRREVOCABLY WAIVES ANY AND ALL RIGHTS TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THE THIS AGREEMENT.

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[SIGNATURE PAGE FOLLOWS]

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IN WITNESS WHEREOF,
the Company has caused this Warrant to be signed in its name by its duly authorized officer.

 

Dated: January 1, 2014

 

	 	GREENSKY TRADE CREDIT, LLC	 
	 	 	 
	 	By:	/s/ David Zalik	 
	 	Name: 	David Zalik	 
	 	Title:	Manager	 

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SUBSCRIPTION NOTICE

 

The undersigned,
the Holder, hereby elects to exercise purchase rights represented by the Warrant, dated ____________________ , 2013 (the “Warrant”),
issued by GreenSky Trade Credit, LLC, a Georgia limited liability company (the “Company”), for, and to
purchase thereunder, __________________________ Class A Units covered by such Warrant and herewith makes payment in full
therefor of $_________________________  cash and requests that Exhibit C of the Operating Agreement of the Company be amended
to reflect the issuance of such Class A Units to the Holder and, if applicable, certificates for such Class A Units (and any
securities or property deliverable upon such exercise) be issued in the name of and delivered to ____________________________________________
whose address is ____________________________________________

 

The
undersigned agrees that, in the absence of an effective registration statement with respect to Class A Units issued upon this exercise,
the undersigned is acquiring such Class A Units for investment and not with a view to distribution thereof and that the certificate
or certificates, if any, representing such Class A Units may bear any such legend as the Managers of the Company deem appropriate.

 

The undersigned further
agrees that by exercising the Warrant and delivering this Subscription Notice, the undersigned agrees that it shall be a party
to, and shall be bound by, the Operating Agreement.

 

Capitalized terms used
but not defined in this Subscription Notice have the meanings assigned thereto in to the Warrant.

 

 

	Dated:	Signature guaranteed:

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ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned
assignor (the “Assignor”) hereby sells, assigns and transfers unto ___________________________ (the “Assignee”)
the Warrant, dated__________ , 2013, issued by GreenSky Trade Credit, LLC, a Georgia limited liability company (the “Company”),
to purchase _____________________________ Class A Units of the Company (the “Warrant”)
and appoints ______________________________________  attorney to record the transfer of the Warrant on the books of the
Company, with full power of substitution in the premises.

 

The Assignee agrees that upon exercise of
the Warrant, the Assignee shall become a party to, and shall be bound by, the Operating Agreement.

 

The Assignor and the Assignee represent and
warrant that they have complied with the teens of Section 2 and Section 3 of the Warrant in connection with this assignment of
the Warrant.

 

Capitalized terms used but not defined in
this Subscription Notice have the meanings assigned thereto in to the Warrant.

 

	 	ASSIGNOR:
	 	 
	 	 
	Dated:	Signature guaranteed:
	 	 
	 	ASSIGNEE:
	 	 
	 	 
	Dated:	Signature guaranteed:

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CORRECTION

 

This Correction is
dated as of April 30, 2014, by and among GreenSky Trade Credit, LLC, a Georgia limited liability company (the “Company”),
QED Investors, LLC, a Delaware limited liability company (“QED LLC”), and QED Fund II, LP, a Delaware limited
partnership (“QED LP”). All capitalized words and terms used herein and not otherwise defined shall have the
meanings ascribed to them in the Warrant (as hereinafter defined).

 

WITNESSETH:

 

WHEREAS, the Company
issued to QED LLC that certain Warrant to Purchase Class A Units of the Company dated December 31, 2013 (the “Warrant”);

 

WHEREAS, the Company
erroneously listed QED LLC as the initial Holder of the Warrant;

 

WHEREAS, the Company,
QED LLC and QED LP desire to correct the Warrant to state that QED LP was the initial Holder of the Warrant at the date of issuance;

 

The parties, intending
to be legally bound, agree as follows:

 

1. References
to QED LLC. All references to QED LLC in the Warrant are hereby corrected to reference QED LP. The Company, QED LLC and QED
LP agree that such correction shall be deemed effective as of the original date of issuance of the Warrant.

 

2. Effect and
Limitation. In the event of any conflict or inconsistency between the terms of this correction and the Warrant, the terms of
this correction shall control. Except as otherwise expressly set forth herein, all terms and conditions set forth in the Warrant
shall remain in full force and effect pursuant to their terms. The Company, QED LLC and QED LP agree that this correction may be
deemed an amendment or modification of the Warrant to the extent necessary pursuant to Section 14 of the Warrant.

 

3. Governing Law.
The internal law of the State of Georgia will control the interpretation and construction of this correction, even if under such
jurisdiction’s choice of law or conflict of law analysis, the substantive law of some other jurisdiction would ordinarily
or necessarily apply.

 

[SIGNATURE PAGE FOLLOWS]

    	 

    	

    

IN WITNESS WHEREOF,
the parties have executed this correction as of the date first written above.

 

	 	GREENSKY TRADE CREDIT, LLC	 
	 	 	 
	 	By:	/s/ David Zalik	 
	 	Name: 	David Zalik	 
	 	Title:	Manager	 
	 	 	 	 
	 	QED INVESTORS, LLC	 
	 	 	 	 
	 	By:	/s/ Nigel Morris	 
	 	Name:	Nigel Morris	 
	 	Title:	Managing Partner	 
	 	 	 	 
	 	QED FUND II, LP	 
	 	By: QED Partners II, LLC, its general partner	 
	 	 	 	 
	 	By:	/s/ Nigel Morris	 
	 	Name:	Nigel Morris	 
	 	Title:	Managing Partner	 

    	 

    	

    

AMENDMENT TO WARRANT 

TO PURCHASE CLASS A UNITS 

THIS
AMENDMENT TO WARRANT TO PURCHASE CLASS A UNITS (this “Amendment”) is entered into as of December 4, 2017, by and among
GreenSky, LLC (f/k/a GreenSky Trade Credit, LLC), a Georgia limited liability company (“GSLLC”), GreenSky Holdings,
LLC, a Georgia limited liability company (“GreenSky Holdings”), and QED Fund II, LP (the “Holder”). Capitalized
terms used herein but not defined shall have the same meanings ascribed to such terms in the Operating Agreement of GreenSky Holdings
dated as of August 24, 2017, as amended, restated, supplemented or otherwise modified from time to time (the “Operating
Agreement”).

R E C I T A L S 

A.               
GSLLC previously granted to the Holder that certain Warrant to Purchase
Class A Units of GreenSky Trade Credit, LLC Expiring December 31, 2023 (the “Warrant”), which entitled the Holder to
subscribe for and purchase from GSLLC up to 10,000 Class A Units of the Company, at a purchase
price equal to $.01 per Class A Unit, on the terms set forth therein.

B.                
As of August 24, 2017, GreenSky Holdings became the holder of one hundred percent (100%) of
the outstanding equity interests in GSLLC, and GSLLC became wholly-owned by GreenSky Holdings (the “Reorganization”).

C.                
GSLLC, GreenSky Holdings and the Holder desire to amend the Warrant to reflect the Reorganization
and the resulting equitable adjustment and conversion of the Warrant into a Warrant of GreenSky Holdings, so that, upon exercise,
the Holder will acquire Class A Units in GreenSky Holdings instead of Class A Units in GSLLC on the same terms as the Warrant in
GSLLC.

NOW,
THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto
agree as follows:

A G R E E M E N T S 

 

1.                 
Adjustment and Conversion into Warrant of GreenSky Holdings.
The parties hereto agree that, effective as of August 24, 2017, and without any further action by GSLLC, GreenSky Holdings or the
Holder, the Warrant was equitably adjusted and converted into a Warrant of GreenSky Holdings, so that, upon exercise, the Holder
will acquire Class A Units in GreenSky Holdings instead of Class A Units in GSLLC on the same terms as the Warrant in GSLLC. In
furtherance of the foregoing, all references in the Warrant to GSLLC, its membership interests, governing documents, managers,
administrators, securities, valuations or other matters shall be deemed to be references to GreenSky Holdings or such comparable
matters of GreenSky Holdings, as applicable, so as to implement the intent of this Agreement.

2.                 
Miscellaneous. The terms of the Warrant shall
remain in effect as set forth originally except for the changes set forth in this Amendment.

    	 

    	

    

IN WITNESS WHEREOF,
the parties are signing this Amendment as of the date set forth above.

	 	GSLLC:
	 	 	 
	 	GREENSKY, LLC
	 	 	 
	 	 	 
	 	By:	/s/ David Zalik
	 	Name: 	David Zalik
	 	Title: 	Chief Executive Officer
	 	 	 
	 	 	 
	 	GREENSKY HOLDINGS:
	 	 	 
	 	GREENSKY HOLDINGS, LLC
	 	 	 
	 	 	 
	 	By:	/s/ David Zalik
	 	Name: 	David Zalik
	 	Title: 	Chief Executive Officer
	 	 	 
	 	 	 
	 	HOLDER:
	 	 	 
	 	QED FUND II, LP
	 	 	 
	 	 	 
	 	By:	/s/ Nigel Morris
	 	Name: 	Nigel Morris
	 	Title: 	Chief Executive Officer
	 	Address: ### ####### ##
	 	##########, ## #####Exhibit 4.4

 

GREENSKY HOLDINGS, LLC

EQUITY INCENTIVE PLAN

 

INCENTIVE UNITS GRANT AGREEMENT

 

THIS INCENTIVE UNITS GRANT
AGREEMENT (this “Agreement”) is made as of December 20, 2017 (the “Grant Date”), by and among
GREENSKY HOLDINGS, LLC, a Georgia limited liability company (the “Company”), and QED Fund II, LP (the “Participant”).

 

R E C I T A L S

 

A. The Company is governed
by the Operating Agreement of GreenSky Holdings, LLC, dated as of August 24, 2017, as may be amended, restated, supplemented or
otherwise modified from time to time (the “Operating Agreement”). Capitalized terms not otherwise defined in
this Agreement shall have the meanings ascribed to such terms in the Plan (defined below) or, if not in the Plan, in the Operating
Agreement. Certain defined terms are set forth in Appendix I hereto. This Agreement is subject to the terms, conditions
and restrictions set forth in the Plan.

 

B. The Company established
the GreenSky Holdings, LLC Equity Incentive Plan, effective as of August 24, 2017, as may be amended, restated, supplemented or
modified from time to time (the “Plan”).

 

C. The Participant is
or will become a party to the Operating Agreement.

 

D. In consideration for
the provision of services to or for the benefit of the Company, including through the provision of services to its Affiliates,
by the Participant (the “Service Provider”), the Company shall grant to the Participant Incentive Units
that will constitute Profits Interests in the Company.

 

E. The parties to this
Agreement desire to impose certain vesting terms and conditions with respect to, and obligations to sell, the Incentive Units granted
to the Participant.

 

A G R E E M E N T S

 

NOW, THEREFORE, for
good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:

 

ARTICLE I

GRANT OF INCENTIVE UNITS

 

1.1 Grant. Subject to the terms, conditions
and restrictions contained in the Company Governing Documents, the Company hereby grants
to the Participant 130,464.02 Incentive Units, which shall constitute Profits Interests in the Company. Such Incentive Units (the
“Unvested Incentive Units”) granted to the Participant and the applicable vesting terms are set forth
on the Award Schedule attached hereto as Exhibit A (the “Award Schedule”).

 

1.2 Risks. The Participant is aware of
and understands the following:

    	 

    	

    

(a) the Participant
must bear the economic risk of the Incentive Units for an indefinite period of time because, among other things, (A) the Incentive
Units have not been registered under the Securities Act, and, therefore, cannot be sold unless they are subsequently registered
under the Securities Act or an exemption from such registration is available, (B) the Incentive Units have not been registered
under applicable state securities laws, and, therefore, cannot be sold unless they are registered under applicable state securities
laws or an exemption from such registration is available, and (C) there are substantial restrictions on the transferability of
the Incentive Units under this Agreement, the Plan, the Operating Agreement and applicable law, and substantial restrictions on
distributions and withdrawals of capital from the Company;

 

(b) there is no
established market for the Incentive Units and no market (public or otherwise) for the Incentive Units will develop in the foreseeable
future; and

 

(c) except as provided
in the Plan or the Operating Agreement, the Participant has no rights to require that the Incentive Units be registered under the
Securities Act or the securities laws of any states and the Participant will not be able to avail himself or herself of the provisions
of Rule 144 adopted by the Securities and Exchange Commission under the Securities Act.

 

1.3 Information.

 

(a) This Agreement,
together with the Plan and the Operating Agreement, are intended to qualify as a compensatory benefit plan within the meaning of
Rule 701 of the Securities Act and the issuance of Incentive Units pursuant hereto is intended to qualify for the exemption from
registration under the Securities Act provided by Rule 701; provided, that the foregoing shall not restrict or limit the
Company’s ability to issue any Incentive Units pursuant to any other exemption from registration under the Securities Act
available to the Company and to designate any such issuance as not being subject to Rule 701.

 

(b) Further to
Section 1.2, the Participant (i) agrees to furnish to the Company, all information that the Company has requested in this
Agreement, or may hereafter reasonably request, (ii) represents and warrants that the Participant, alone or together with its representatives,
possesses such expertise, knowledge and sophistication in financial and business matters generally, and in the type of transactions
in which the Company proposes to engage in particular, that the Participant is capable of evaluating the merits and economic risks
of acquiring and holding the Incentive Units, (iii) agrees to notify the Administrator of any change in any such information occurring
at any time prior to the dissolution or the termination of the Company, (iv) represents and warrants that this Agreement, the Plan
and the Operating Agreement constitute the legal, valid and binding obligation of the Participant, enforceable in accordance with
their respective terms, and the execution, delivery and performance of this Agreement, the Plan and the Operating Agreement by
the Participant, the performance of the Participant’s obligations under this Agreement, the Plan and the Operating Agreement
and the performance and consummation by the Participant of the transactions contemplated hereby and thereby, will not result in
the breach of any of the terms or conditions of, or constitute a default under any agreement or arrangement the Participant has
entered into with any party or any judgment, order or decree to which the Participant is subject, (v) represents and warrants that
the Incentive Units to be acquired by the Participant pursuant to this Agreement will be acquired for the Participant’s

    	2

    	

    

individual account, (vi) represents and warrants
that the Participant has had an opportunity to ask questions and receive answers concerning the terms of the Incentive Units, (vii)
represents and warrants that the Participant has had an opportunity to consult with independent legal counsel regarding its rights
and obligations under this Agreement, and fully understands the terms and conditions contained herein, and the Participant has
obtained advice from persons other than the Company and its counsel regarding the tax effects of the transactions contemplated
hereby, and (viii) represents and warrants that the Participant understands that it is responsible for the tax consequences relating
to the receipt and ownership of the Incentive Units.

 

1.4 Joinder to Operating Agreement. The
grant of Incentive Units described in this Agreement shall occur on the Grant Date subject to the execution and delivery by the
Participant to the Company of a counterpart signature page to the Operating Agreement in the form attached hereto as Exhibit
B on or prior to the Grant Date (unless the Participant is already a party to the Operating Agreement).

 

1.5 Protective Section 83(b) Election.
As a further condition to the grant of Unvested Incentive Units under this Agreement, no later than thirty (30) days following
the Grant Date, the Participant shall execute and file with the Internal Revenue Service an election under Section 83(b) of the
Code substantially in the form attached hereto as Exhibit C, with respect to such Unvested Incentive Units, in accordance
with Section 4(e) of the Plan, and the Participant shall provide the Company with a copy of such executed and filed election promptly
thereafter, along with a copy of proof of mailing; provided, however, that if the Participant refuses or fails to
timely file such election pursuant to Section 83(b) of the Code, the Participant will forfeit the Unvested Incentive Units granted
under this Agreement, this Agreement shall be null and void ab initio and of no force or effect, and the Company shall have
no obligations to the Participant with respect to the forfeited Unvested Incentive Units.

 

1.6 Amendment of Warrant. This grant of
Incentive Units is contingent on the Participant’s agreement to and execution of the Amendment to Warrant to Purchase Class
A Units (the “Warrant Amendment”), a copy of which is attached hereto, with respect to certain warrants to purchase
Class A Units granted by the Company to the Participant as described in such Warrant Amendment. If the Participant fails to enter
into such Warrant Amendment contemporaneously with the execution of this Agreement, the Participant will forfeit the Incentive
Units granted under this Agreement, this Agreement shall be null and void ab initio and of no force or effect, and the Company
shall have no obligations to the Participant with respect to the forfeited Incentive Units. In addition, Participant agrees that,
in the event any Incentive Units are redeemed or otherwise disposed of, contemporaneously therewith Participant must exercise the
Warrant for a proportionate amount of Class A Units (based upon the number of Warrants and Incentive Units) and include such Class
A Units in such redemption or disposition.

 

1.7 General Release.

 

(a) For and in consideration
of the grant of the Incentive Units hereunder, the Participant hereby releases, acquits, and forever discharges the Company and
its Affiliates, parents, subsidiaries, partners, joint venturers, owners, and members, and all of their officers, directors, employees,
representatives, and agents, and all successors and assigns thereof (each a “Released Party”), from any and all claims,
charges, complaints, demands, liabilities, obligations,

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promises, agreements, controversies,
damages, actions, causes of action, suits, rights, entitlements, costs, losses, debts, and expenses (including attorneys’
fees and legal expenses), of any nature whatsoever, known or unknown, which the Participant now has, had, or may hereafter claim
to have had against the Company or any other Released Party, of any kind or nature whatsoever, arising from any act, omission,
transaction, matter, or event which has occurred or is alleged to have occurred up to the date the Participant executes the applicable
Grant Agreement.

 

(b) The claims
knowingly and voluntarily released herein include, but are not limited to, all (i) claims relating in any way to the Participant’s
employment with the Company or any Affiliate, whether such claims are now known or are later discovered, including claims under
the Age Discrimination in Employment Act, Title VII of the Civil Rights Act of 1964, 42 U.S.C. § 1981, the Americans with
Disabilities Act, the Family and Medical Leave Act, the Fair Labor Standards Act or other federal or state wage and hour laws,
and the Employee Retirement Income Security Act of 1974, as amended, (ii) claims for breach of contract or infliction of emotional
distress, (iii) claims under any other federal or state law pertaining to employment or employment benefits, (iv) claims relating
to any rights to acquire Class A Units or Incentive Units or other Membership Interests in the Company or options to acquire same,
and (v) any other claims of any kind based on any contract, tort, ordinance, regulation, statute, or constitution; provided, however,
that nothing in this Agreement shall be interpreted to release any claims which the Participant may have for workers compensation
benefits. The Participant acknowledges that this Agreement may be pled as a complete defense and shall constitute a full and final
bar to any claim based on any such act, omission, transaction, matter, or event which has occurred or is alleged to have occurred
up to the date the Participant executes this Agreement.

 

(c) The Participant
acknowledges that the Participant has read and understands this Agreement, that the Participant has been provided a period of twenty-one
(21) calendar days to consider its terms, and that the Participant has been advised in writing to discuss its terms with an attorney
or other advisor before executing it. This Agreement will not become effective and enforceable until seven (7) days after the Participant
executes it. The Participant further understands that the Participant may revoke this Agreement within seven (7) calendar days
after having signed it by delivering written notice of revocation to Steve Fox, General Counsel. If the end of such revocation
period falls on a Saturday, Sunday or legal holiday in the State of Georgia, the revocation period shall be extended until the
next day that is not a Saturday, Sunday or legal holiday in the State of Georgia. Notwithstanding anything contained herein to
the contrary, the Participant understands and agrees that, if the Participant fails to sign this Agreement on or before the expiration
of twenty-one (21) days after the day the Participant received it, or if the Participant revokes the Agreement before the expiration
of the revocation period, this Agreement shall be canceled and void, and neither party shall have any rights or obligations arising
under it, and the Participant will not be entitled to receive any payments or benefits under this Agreement not otherwise payable
absent this Agreement.

    	4

    	

    

ARTICLE II

PROFITS INTERESTS; VESTING

 

2.1 Nature as Profits Interests.

 

(a) The Company
and the Participant intend that all Incentive Units granted under this Agreement qualify upon issuance as “profits interests”
in the Company within the meaning of Rev. Proc. 93-27, 1993-2 C.B. 343, or any successor Internal Revenue Service or Treasury Department
regulation or other pronouncement applicable at the date of grant. Distributions to Members holding Incentive Units pursuant to
Article VI of the Operating Agreement will be limited to the extent necessary so that each Incentive Unit granted under this Agreement
qualifies as a “profits interest” under Rev. Proc. 93-27 and the provisions of the Company Governing Documents shall
be interpreted and applied accordingly. In the event that Distributions to a Member holding Incentive Units qualifying as Profits
Interests pursuant to Article VI of the Operating Agreement are limited as a result of the first sentence of this Section 2.1(a)
or because the Incentive Units are not then Vested Incentive Units, the Administrator is authorized to adjust future Distributions
to the Members in whatever manner it deems appropriate so that, after such adjustments are made, each Member receives, to the maximum
extent possible, an amount of Distributions equal to the amount of Distributions such Member would have received were such sentence
not part of this Agreement, subject to treatment of such Incentive Units as Profits Interests. The Incentive Units are being issued
by the Company for the provision of services to or for the benefit of the Company and for no other consideration.

 

(b) The initial
Capital Account of the Participant under the Operating Agreement with respect to the Incentive Units granted to the Participant
under this Agreement shall be $0. The Incentive Units shall in all other respects have the attributes set forth in the Operating
Agreement for Profits Interests.

 

(c) For so long
as Revenue Procedure 2001-43, 2001-2 C.B. 191 and Revenue Procedure 93-27 are effective, the Company and the Participant hereby
agree to comply with the provisions of Revenue Procedures 2001-43 and 93-27, and neither the Company nor the Participant shall
perform any act or take any position inconsistent with the application of Revenue Procedures 2001-43 and 93-27.

 

(d) By becoming
party to this Agreement, the Participant agrees to take such actions as may be required by any authority that may be issued in
the future with respect to the taxation of “profits interests” transferred in connection with the performance of services
to conform the tax consequences to the Participant as closely as possible to the consequences under Revenue Procedure 93-27 and
Revenue Procedure 2001-43.

 

(e) The Participant
authorizes the Administrator to amend, restate, supplement or otherwise modify this Agreement to the extent necessary to achieve
substantially the same tax treatment with respect to any Profits Interest in the Company transferred to the Participant by the
Company in connection with services provided by the Participant to the Company, or its Affiliates as is set forth in, as applicable,
Revenue Procedure 93-27, Revenue Procedure 2001-43 or any subsequently issued guidance described in this Section 2.1(e).

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(f) Each Incentive Unit issued by the Company
is intended to be a “profits interest” within the meaning of Revenue Procedures 93-27 and 2001-43 (and will be accounted
for by the Company and the Members in accordance therewith) and is issued with the intention that, under current interpretations
of the Code, the Participant will not realize income upon the issuance of such Incentive Unit, and neither the Company nor any
Member will be entitled to any deduction, either immediately or through depreciation or amortization, as a result of the issuance
of such Incentive Unit. Therefore, if the Company is liquidated immediately after issuance of such Incentive Unit, before any appreciation
occurred in the value of the Company’s assets, and all of the Company’s assets sold at fair market value and the proceeds
distributed in complete liquidation of the Company, the Participant would not be entitled to receive any share of the proceeds
of liquidation in respect of the Incentive Units issued by the Company hereunder.

 

2.2 Profits Interest Threshold.
The Unvested Incentive Units have the Profits Interest Threshold set forth on the Award Schedule. The Participant, by signing this
Agreement or by accepting the grant, agrees to comply with all requirements of the Safe Harbor Election. The Participant agrees
that (i) the Company is authorized and directed to elect the Safe Harbor described in the proposed Revenue Procedure contained
in the Notice 2001-43 and (ii) the Company and the Participant agree to comply with all of the requirements of the Safe Harbor
described in the proposed Revenue Procedure with respect to all interests transferred in connection with the performance of services
while the election is in effect. The Participant and the Company agree not to report the income tax effects of the Safe Harbor
Partnership Interest (as defined in the proposed Revenue Procedure Notice) to the U.S. tax authorities in a manner inconsistent
with the requirements of the proposed Revenue Procedure, including the failure to provide appropriate information returns. The
Participant acknowledges that the Notice contains a proposed Revenue Procedure and that the Notice and Revenue Procedure may undergo
changes prior to their finalization. The Participant hereby irrevocably grants to the Administrator a power-of-attorney coupled
with an interest to amend this Agreement to conform to any changes to the Notice reflected in the finalized Notice and/or Revenue
Procedure in order to permit the Company and the Participant to qualify for the Safe Harbor election.

 

2.3 Vesting of Incentive Units.
Subject to the Company Governing Documents, the Unvested Incentive Units shall become Vested Incentive Units as specified in the
Award Schedule if the Participant remains in the continuous service of the Company or any Affiliate thereof from the date hereof
until the respective vesting date. For purposes of this Agreement, the continuous service of the Participant with the Company or
any of its Affiliates shall not be deemed interrupted, and the Participant shall not be deemed to have ceased to provide services
to the Company or any of its Affiliates, by reason of the transfer of his or her service among the Company or any of its Affiliates
or from employment to other service or from other service to employment.

 

2.4 Power of Attorney. The Participant
hereby grants any Person or Persons designated by the Administrator, a power of attorney irrevocably granting such Person or Persons
acting at the direction of the Administrator, to execute (i) all documents as may be necessary to effectuate the purposes of this
Agreement, (ii) any other agreements, instruments and other documents as necessary to document any actions taken by the Company
pursuant to this Agreement or the Operating Agreement, and (iii) such other agreements, instruments and other documents as reasonably
requested by the Administrator. Such power of attorney shall be deemed

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to be coupled with an interest, shall be irrevocable,
and shall survive the bankruptcy, dissolution, death, incapacity, liquidation or any other event affecting the Participant.

 

2.5 Voting Rights. Except as
required by law or otherwise provided in the Operating Agreement, the holders of Incentive Units that constitute Profits Interests
shall have no right to vote for any purpose, shall not be entitled to vote on any matter, to give or withhold consent on any matter
with respect to such Incentive Units, and shall not be entitled to notice of any meeting of Members.

 

ARTICLE III

FORFEITURE OF INCENTIVE UNITS

 

3.1 Forfeiture of Incentive Units.

 

(a) Notwithstanding
any other provisions of this Agreement to the contrary, upon a Termination of Service, all Unvested Incentive Units that have not
vested in accordance with Section 2.3 as of the date of Termination of Service, shall expire and automatically be forfeited
and canceled in their entirety without any consideration to the Participant.

 

(b) Notwithstanding
any other provisions of this Agreement to the contrary, upon a Termination of Service for Cause, all Incentive Units granted under
this Agreement (whether vested or unvested in accordance with Section 2.3 as of the date of Termination of Service) shall
expire and automatically be forfeited and canceled in their entirety without any consideration to the Participant.

 

ARTICLE IV

RESTRICTIONS ON ACTIVITIES

 

4.1 Transfer Restrictions. The transfer
restrictions set forth in Article VIII of the Operating Agreement shall be applicable to the Incentive Units granted under this
Agreement and are incorporated by reference herein. The Incentive Units may not be sold or otherwise Transferred other than as
set forth in the Operating Agreement.

 

ARTICLE V

PURCHASE RIGHTS

 

5.1 Purchase Rights.

 

(a) The Participant’s
Vested Incentive Units shall be subject to any repurchase or other rights that the Company may have pursuant to the provisions
of the Operating Agreement and/or the Plan.

 

(b) The Company
also shall have the right (but not the obligation) to purchase all of the Participant’s Vested Incentive Units upon the terms
and conditions set forth herein following the Participant’s Termination of Service with the Company and its Affiliates for
any reason other than Cause. The Company or its assignees shall have the right, but not the obligation, by written notice to the
Participant, delivered no earlier than such date as is necessary to avoid adverse accounting consequences as the result of the
Company’s repurchase right hereunder, to

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call all of the Vested Incentive Units at the
Liquidation FMV of such Vested Incentive Units as of the date of the call. The price to be paid for such Vested Incentive Units
shall be payable by the Company, in its discretion, in a single lump sum in cash or by promissory note which shall accrue interest
at the national prime lending rate as published in The Wall Street Journal on the date of the call and be payable in twelve (12)
equal monthly installments of principal and interest, commencing one month following the date of the call.

 

ARTICLE VI

MISCELLANEOUS PROVISIONS

 

6.1 Termination and Amendment of the Agreement.

 

(a) This Agreement shall be terminated:

 

(i) by the Company
with the approval of the Administrator and the written consent of the Participant; or

 

(ii) if determined
by the Administrator, immediately prior to or following consummation of a Liquidity Event; provided, that any payments required
to be made to the Participant with respect to the Incentive Units granted pursuant to this Agreement are received by the Participant
in connection with such Liquidity Event.

 

(b) This Agreement
and this award of Incentive Units may be amended, restated, supplemented or otherwise modified by the Administrator, consistent
with the provisions of the Company Governing Documents and, in addition, may amend the award of Incentive Units prospectively or
retroactively and compliance with any term hereof may be waived, by the Company with the written approval of the Administrator
at any time; provided, however, that no such amendment, restatement, supplement or other modification shall materially
adversely affect the Participant’s interests granted hereunder without the prior written consent of the Participant, and
notwithstanding the foregoing the Participant’s consent shall not be required with respect to an amendment that is deemed
necessary by the Company to ensure exemption from or compliance with Section 409A of the Code. Any amendment to the Company Governing
Documents shall be deemed to be an amendment to this Agreement to the extent that the amendment is applicable hereto.

 

6.2 Termination of Status
as Member. From and after the date that the Participant ceases to own any Incentive Units, the Participant shall cease
to be a Participant under the Plan for the purposes of this Agreement and all rights that the Participant may have hereunder shall
terminate, except for any rights with respect to matters contemplated hereby after such date and except for breaches occurring
prior to such time. For the purposes of the preceding sentence, the Participant shall be deemed to own all Incentive Units owned
by the Participant’s Permitted Transferees.

 

6.3 Transferability. Except as provided
in the Company Governing Documents, the Unvested Incentive Units granted under this Agreement are not Transferable by the Participant.
Any purported Transfer inconsistent with the terms of the Company Governing Documents shall cause the Unvested Incentive Units
to be immediately forfeited, and the Participant will have no further rights with respect to the Unvested Incentive Units.

    	8

    	

    

6.4 Distribution, Voting and Other Rights.
The Participant will have all of the rights of a Member with respect to the Incentive Units granted hereunder in accordance with
the terms and conditions of the Operating Agreement.

 

6.5 Compliance with Law. The Company shall
make reasonable efforts to comply with all applicable U.S. federal and state securities laws; provided, however,
that notwithstanding any other provision of the Operating Agreement, the Plan or this Agreement, the Company shall not be obligated
to issue any of the Incentive Units covered by this Agreement if the issuance thereof would result in violation of any such law.

 

6.6 Adjustments. Subject to the terms
and conditions of the Company Governing Documents, the Administrator shall make or provide for such adjustments in the number of
Unvested Incentive Units granted or outstanding hereunder and in the applicable Profits Interest Threshold of such Incentive Units,
as is equitably required in order to prevent dilution or expansion of the rights of the Participant that otherwise would result
from any Membership Unit splits, recombinations, etc., in accordance with the Company Governing Documents. For the avoidance of
doubt, the issuance of additional Membership Units in the Company will not trigger any adjustments pursuant to this Section
6.6.

 

6.7 Relation to Other Benefits. Any economic
or other benefit to the Participant under this Agreement or the Company Governing Documents shall not be taken into account in
determining any benefits to which the Participant may be entitled under any profit-sharing, retirement or other benefit or compensation
plan maintained by the Company or any Affiliate thereof and shall not affect the amount of any life insurance coverage available
to any beneficiary under any life insurance plan covering employees of the Company or any Affiliate thereof.

 

6.8 Relation to the Plan and the Company Governing
Documents. In the event of any inconsistency between the provision of this Agreement and the Company Governing Documents,
the other Company Governing Documents shall govern.

 

6.9 Compliance with Section 409A of the Code.
This Agreement is intended to be exempt from or comply with, and shall be administered in a manner that is intended to be exempt
from or comply with, Section 409A of the Code and shall be construed and interpreted in accordance with such intent; to the extent
that a payment and/or benefit is subject to Section 409A of the Code, it shall be paid in a manner that will comply with Section
409A of the Code, including proposed, temporary or final regulations or any other guidance issued by the Secretary of the Treasury
and the Internal Revenue Service with respect thereto. Any provision of this Agreement that would cause a payment and/or benefit
to fail to satisfy Section 409A of the Code shall have no force and effect until amended to comply with Code Section 409A of the
Code (which amendment may be retroactive to the extent permitted by Section 409A of the Code). Notwithstanding the foregoing, the
Company and its Affiliates shall not be liable to any Participant or any other Person if an award of Incentive Units fails to be
exempt from or comply with Section 409A of the Code.

 

6.10 Notices.
All notices required hereunder shall be delivered to the following respective addresses:

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(a)     GreenSky Holdings, LLC

5565 Glenridge Connector, Suite 700

Atlanta, GA 30342

Attention: Chief Legal Officer

 

With a copy to (which copy shall not constitute notice):

 

Troutman Sanders LLP

600 Peachtree Street NE, Suite 5200

Atlanta, Georgia 30308-2216

Attention: Jeffery R. Banish, Esq.

 

(b) The Participant,
at its address as then shown in the Company’s records or to such other address as the Participant may have furnished to the
Company.

 

(c) Notices
shall be in writing and shall be sent by facsimile or pdf e-mail, by mail (postage prepaid, registered or certified, by United
States mail, return receipt requested), by nationally recognized private courier or by personal delivery. Notices shall be effective,
(i) if sent by facsimile, when transmitted, (ii) if sent by pdf e-mail, when transmitted, (iii) if by nationally recognized private
courier, when deposited with the private courier, (iv) if mailed, when deposited in the mail, and (v) if personally delivered,
the earlier of when delivery is made or first refused. Any Person may change address for the delivery of notices by written notice
served in accordance with the provisions hereof.

 

6.11 Miscellaneous.
The use of the singular or plural or masculine, feminine or neuter gender shall not be given an exclusionary meaning and, where
applicable, shall be intended to include the appropriate number or gender, as the case may be.

 

6.12 Counterparts.
This Agreement may be executed in counterparts, each of which shall be deemed to be an original and all of which, when taken together,
shall constitute one instrument. Facsimile and pdf e-mail signatures shall have the same legal effect as manual signatures.

 

6.13 Entire Agreement.
This Agreement, the Plan and the Operating Agreement constitute the entire agreement between and among the parties with respect
to the subject matter hereof and thereof. No promises, statements, understandings, representations, or warranties of any kind,
whether oral or in writing, express or implied have been made to the Participant by any Person to induce the Participant to enter
into this Agreement other than the express terms set forth in this Agreement, the Plan, and the Operating Agreement, and the Participant
is not relying upon any promises, statements, understandings, representations, or warranties other than those expressly set forth
in this Agreement, the Plan, and the Operating Agreement. Any amendments to this Agreement must be made in writing and duly executed
by each of the parties entitled to adopt said amendment as provided in Section 6.1 or by an authorized representative or
agent of each such party. The Participant hereby acknowledges and represents that he or she has had the opportunity to consult
with independent legal counsel or other advisor of his or her choice and has done so regarding their rights and obligations under
this Agreement, that he or she is entering into this Agreement knowingly, voluntarily, and of his or her own free will, that he
or she is relying on his or her own judgment in doing so, and that he
or she fully understands the terms and conditions contained herein.

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6.14 Incentive Units
Subject to Plan and Operating Agreement. By entering into this Agreement the Participant agrees and acknowledges that (a)
the Participant has received and read a copy of the Plan and the Operating Agreement, and (b) the Incentive Units are subject to
the Plan and the Operating Agreement, the terms and provisions of each of which are hereby incorporated herein by reference. In
the event of a conflict between any term or provision contained herein and a term or provision of the Plan or the Operating Agreement,
the applicable terms and provisions of the Plan or the Operating Agreement will govern and prevail.

 

6.15 Withholding.
The Participant may be required to pay to the Company or any of its Affiliates, and the Company and its Affiliates shall have the
right and are hereby authorized to withhold from any payment due or transfer made under this Agreement, under the Plan or from
any other amount owing to the Participant, the amount (in cash or, at the election of the Company, securities or other property)
of any applicable federal, state, local or foreign withholding taxes in respect of an Incentive Unit or any payment or transfer
under this Agreement or the Plan and to take such other action as may be necessary in the opinion of the Administrator to satisfy
all obligations for the payment of such taxes.

 

6.16 Binding Effect.
This Agreement shall be binding upon and inure to the benefit of the parties hereto, their heirs, representatives, successors and
permitted assigns.

 

6.17 Enforcement.
The failure of any party hereto to insist in one or more instances on performance by another party hereto of any obligation, condition
or other term of this Agreement in strict accordance with the provisions hereof shall not be construed as a waiver of any right
granted hereunder or of the future performance of any obligation, condition or other term of this Agreement in strict accordance
with the provisions hereof, and no waiver with respect thereto shall be effective unless contained in a writing signed by or on
behalf of the waiving party. The remedies in this Agreement shall be cumulative and are not exclusive of any other remedies provided
by law.

 

6.18 Governing Law.
This Agreement and any and all claims or causes of action, disputes, controversies or legal proceedings (whether in contract, tort,
equity or under any other theory) arising out of, under, pursuant to, or in any way relating to this Agreement or the transactions
contemplated hereby or the negotiation, execution, performance or enforcement hereof, including any and all claims (whether in
contract, tort, equity or under any other theory) as to the scope, validity, enforcement, interpretation, construction, and effect
hereof, shall be governed by and enforced with the laws of the State of Georgia, without regard to the conflicts of law principles
that would result in the application of any law other than the law of the State of Georgia.

 

6.19 Severability.
If any provision of this Agreement is, becomes or is deemed to be invalid, illegal or unenforceable in any jurisdiction or as to
any Person or award, or would disqualify any award under any law deemed applicable by the Administrator, such provision shall be
constructed or deemed amended to conform to all applicable laws, or if it cannot be construed or deemed amended without, in the
determination of the Administrator, materially altering the

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intent of this Agreement or the award, such
provision shall be stricken as to such jurisdiction, Person or award and the remainder of this Agreement and any such award shall
remain in full force and effect.

 

6.20 No Contract of
Employment. Neither this Agreement nor any award granted under this Agreement shall confer upon the Participant any right
to employment or other service or continuance of employment or other service by the Company or any of its Affiliates. This Agreement
does not constitute a contract of employment or a contract of services or impose on the Company or any of its Affiliates any obligations
to retain the Participant as an employee or a service provider of the Company or any of its Affiliates, to change the status of
his or her service, or to change the Company’s or any of its Affiliates’ policies regarding termination of employment
or service.

 

6.21 Captions.
The article or section titles or captions contained in this Agreement are for convenience only and are not to be considered in
the construction or interpretation of this Agreement or any provision thereof.

 

6.22 No Third Party
Rights. Nothing in this Agreement shall be construed to grant rights to any Person who is not a party to this Agreement.

 

6.23 Rule of Construction.
The parties acknowledge and agree that each has negotiated and reviewed the terms of this Agreement, assisted by such legal and
tax counsel as they desired, and has contributed to its revisions. The parties further agree that the rule of construction that
a contract shall be construed against the drafter shall not be applied. The word “including” means “including,
without limitation.”

 

6.24 Arbitration.
Other than the Company’s right to seek injunctive relief or specific performance as provided in this Agreement, any dispute,
controversy, or claim (whether sounding in contract, tort, equity or other theory) between any party hereto, on the one hand, and
any other party hereto, on the other hand, arising out of, under, pursuant to, or in any way relating to this Agreement or the
negotiation thereof shall be submitted to and resolved by confidential and binding arbitration (“Arbitration”),
administered by the American Arbitration Association (“AAA”) and conducted pursuant to the rules then in effect
of the AAA governing commercial disputes. The Arbitration hearing shall take place in Atlanta, Georgia. Such Arbitration shall
be before three (3) neutral arbitrators (the “Panel”) licensed to practice law and familiar with commercial
dispute. Any award rendered in any Arbitration shall be final and conclusive upon the parties to the Arbitration and not subject
to judicial review, and the judgment thereon may be entered in the highest court of the forum (state or federal) having jurisdiction
over the issues addressed in the Arbitration, but entry of such judgment will not be required to make such award effective. The
Panel may enter a default decision against any party who fails to participate in the Arbitration. Subject to Section 6.25,
the administration fees and expenses of the Arbitration shall be borne 50% by the Company and 50% by the Participant; provided,
that each party shall pay for and bear the cost of his/her/its own experts, evidence, and attorney’s fees, except that, in
the discretion of the Panel, any award may include the costs of a party’s counsel and/or its share of the expense of Arbitration
if the Panel expressly determines that an award of such costs is appropriate to the party whose position substantially prevails
in such Arbitration. Notwithstanding any other provision of this Agreement, no party shall be entitled to an award of special,
punitive,

    	12

    	

    

or consequential damages. To submit a matter
to Arbitration, the party seeking redress shall notify in writing, in accordance with Section 6.10 of this Agreement, the
party against whom such redress is sought, describe the nature of such claim, the provision of this Agreement that has been allegedly
violated and the material facts surrounding such claim. The Panel shall render a single written, reasoned decision. The decision
of the Panel shall be binding upon the parties to the Arbitration, and after the completion of such Arbitration, the parties to
the Arbitration may only institute litigation regarding the Agreement for the sole purpose of enforcing the determination of the
Arbitration hearing or, with respect to the Company, to seek injunctive or equitable relief. The Panel shall have exclusive authority
to resolve any dispute relating to the interpretation, applicability, enforceability or formation of this agreement to arbitrate,
including any claim that all or part of this Agreement is void or voidable and any claim that an issue is not subject to arbitration.
All proceedings conducted pursuant to this agreement to arbitrate, including any order, decision or award of the arbitrator, shall
be kept confidential by all parties except to the extent such disclosure is required by law, or in a proceeding to enforce any
rights under this Agreement.

 

THE PARTICIPANT ACKNOWLEDGES THAT, BY SIGNING
THIS AGREEMENT, HE OR SHE IS WAIVING ANY RIGHT THAT HE OR SHE MAY HAVE TO A JURY TRIAL OR A COURT TRIAL RELATED TO THIS AGREEMENT.

 

6.25 Recovery of Attorney’s
Fees. In the event any party commences any arbitration, proceeding or litigation at law or in equity related to this Agreement,
following the final adjudication of such arbitration, proceeding or litigation, the party whose position substantially prevails
shall be entitled to recover its reasonable attorneys’ fees and other costs incurred in connection with such arbitration,
proceeding or litigation.

 

[The remainder of this page is intentionally
left blank.]

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IN WITNESS WHEREOF, the parties have
executed this Agreement as of the date first above written.

 

	 	GREENSKY HOLDINGS, LLC	 
	 	 	 
	 	By: /s/ David Zalik 

	 
	 	Name: David Zalik	 
	 	Title: Chief Executive Officer	 
	 	 	 
	 	PARTICIPANT 	 
	 	 	 
	 	QED Fund II, LP	 
	 	 	 
	 	By: /s/ Nigel Morris 

	 
	 	Name: Nigel Morris	 
	 	Title: Managing Partner	 
	 	 	 
	 	Address: ### ####### ##	 
	 	 	##########, ## #####	 

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APPENDIX I

 

Certain Defined Terms

 

(a) “Safe
Harbor Election” means the election described in Prop. Reg. §1.83-3(l)(1)(i) and Notice 2005-43, 2005-24 IRB 1221
or subsequently issued guidance.

 

(b) “Sale
of the Business” shall have the same meaning ascribed to such term in the Operating Agreement.

 

(c) “Termination
of Service” means the termination of the employment or other services of the Service Provider with the Company and its
Affiliates, including termination of the Service Provider’s Services Agreement, such that thereafter the Service Provider
is no longer employed by or providing services to the Company or any of its Affiliates.

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