Document:

Exhibit 10.5

January 2, 2012

 

 

 

Mr. Tim Kaliban

##### ###### ##### #####

#####, ####### #####

 

Dear Tim:

 

Outweb, Inc. (Outweb) provides GreenSky Trade Credit LLC (GreenSky)
with its administrative and other staffing. Outweb is pleased to offer you a full-time position to serve as President of GreenSky.
The position will be located in Atlanta, Georgia and includes the duties we discussed and others as assigned from time-to-time.

 

Your initial annual salary will be $230,000. In addition,
you can earn a bonus of up to $50,000 per year based upon achievement during 2012 of aggressive but feasible personal and corporate
goals that we mutually establish at the time that you start work. Subsequent years’ bonus targets will be determined prior
to the start of each calendar year. It is anticipated that the bonus opportunity may increase commensurate with Employee’s
performance, scope of responsibilities, and the financial performance of GreenSky.

 

You will be paid in accordance with Outweb’s customary
payroll practice, which currently provides for bi-monthly pay periods, subject to tax withholdings and other standard payroll deductions.
You will be eligible for the benefits Outweb provides to other employees at your level. The benefits are specified in the Outweb
Employee Manual and currently include 16 personal time-off (PTO) days per year (earned on a pro-rata basis and to be used for vacation,
sickness or personal time), health and dental insurance, flexible spending/cafeteria plan, and optional AFLAC supplemental insurance.

 

Following your start date, GreenSky will award you an option
to purchase 240,000 Class A Units pursuant to its standard award agreement.

 

As an Outweb employee, you will be expected to abide by all
of Outweb’s policies, practices, and procedures. You also agree to execute and deliver, prior to your employment, Outweb’s
standard Confidentiality, Non-Solicitation, Non-Recruitment, Non-Competition, and Invention Assignment Agreement, copy of which
is attached for your execution. The Agreement contains various provisions relating to your employment including provisions restricting
your use of confidential information, prohibiting you from competing for nine months after termination of employment, and prohibiting
you from hiring Outweb or GreenSky employees for a period of one year from the date of employment.

 

Neither the contents of this letter nor any Outweb policy,
procedure or practice, whether written or verbal, or the acceptance or continuation of employment, constitutes a contract of employment
or promise to employ you, nor do they create an implied duty or contractual obligation between you and Outweb. Either you or Outweb
may terminate your employment relationship at any time and for any reason, with or without cause, reason, or advance notice.

 

1797 Northeast Expressway Ÿ
Suite 100 Ÿ Atlanta, GA 30329 Ÿ
404-8324000 Ÿ Fax 480-247-4054

www.outweb.com

 

     

     

    
 

The nature of this employment relationship cannot be changed
except in writing by you and an executive officer of Outweb.

 

Except as may be prohibited by law, any dispute arising under
the terms of this letter or otherwise relating to your employment shall be settled exclusively by arbitration in Fulton County,
Georgia in accordance with the employment rules of the American Arbitration Association then in effect.

 

As required by law, this offer of employment is subject to
satisfactory proof of your right to work in the United States. By accepting this offer, you represent and warrant that your employment
with Outweb will not violate any agreement, obligation or understanding that you may have with any party or prior employers. This
offer of employment is contingent upon completion to Outweb’s sole satisfaction of a credit and background investigation.

 

If you choose to accept our offer under the terms described,
please sign below and return an executed copy of this letter and an executed copy of the attached Employment Agreement to me no
later than close of business on January 2, 2011. Your start date will be not later than February 1, 2012.

 

We look forward to your favorable reply and to a productive
and enjoyable work relationship. We are excited to have you join us.

 

Very truly yours,

 

/s/ David Zalik

 

David Zalik

Chief Executive Officer

 

 

	 	Accepted by	/s/ Timothy D. Kaliban
	 	 	 
	 	Date	Jan. 2, 2012
	 	 	 
	 	 	 

 

 

1797 Northeast Expressway Ÿ
Suite 100 Ÿ Atlanta, GA 30329 Ÿ
404-8324000 Ÿ Fax 480-247-4054

www.outweb.comExhibit 10.14(a)

 

CERTAIN CONFIDENTIAL MATERIAL APPEARING
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

 

AMENDMENT NO. 4 TO LOAN ORIGINATION AGREEMENT

 

THIS AMENDMENT NO.
4 TO LOAN ORIGINATION AGREEMENT (this “Amendment”) is made as of April 30, 2018, by and between GreenSky, LLC, a Georgia
limited liability company (“Servicer”), and Fifth Third Bank, an Ohio-chartered, FDIC-insured bank (“Lender”).
Capitalized terms used herein and not otherwise defined herein shall have the meanings ascribed to such terms in the Loan Origination
Agreement (as defined herein).

 

WITNESSETH:

 

WHEREAS, Lender and
Servicer have previously entered into that certain Loan Origination Agreement dated as of August 25, 2016, as amended by Amendment
No. 1 to Loan Origination Agreement by and between Lender and Servicer, dated July 1, 2017, Amendment No. 2 to Loan Origination
Agreement by and between Lender and Servicer, dated February 15, 2018, and Amendment No. 3 to Loan Origination Agreement by and
between Lender and Servicer, dated March 20, 2018 (collectively, the “Loan Origination Agreement”); and

 

WHEREAS, Lender and
Servicer desire to further amend the Loan Origination Agreement as set forth herein;

 

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

 

1. The
Loan Origination Agreement is hereby amended as follows:

 

a. The
“New Application Minimum Requirements” in each of Schedule A-1 and Schedule A-2 to the Loan Origination Agreement is
hereby deleted in its entirety and the following is substituted in lieu thereof:

 

		[*****]	

 

b. The
caption “Terms” and Section A thereunder in Schedule A-1 to the Loan Origination Agreement is hereby deleted in its
entirety and the following is substituted in lieu thereof:

 

		[*****]	

 

c. The
caption “Portfolio Characteristics” in Schedule A-1 to the Loan Origination Agreement is hereby amended by adding the
following as a new Section F thereunder:

 

		[*****]	

 

2. Except
as expressly amended hereby, the Loan Origination Agreement shall remain in full force and effect.

 

SS

4-30-18

   	 

   	

    

Exhibit 10.14(a)

 

CERTAIN CONFIDENTIAL MATERIAL APPEARING
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

 

3. This
Amendment may be executed and delivered by Lender and Servicer in facsimile or PDF format and in any number of separate counterparts,
all of which, when delivered, shall together constitute one and the same document.

 

[Signature page follows]

 

SS

4-30-18

   	 

   	

    

Exhibit 10.14(a)

 

CERTAIN CONFIDENTIAL MATERIAL APPEARING
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 executed
this Amendment as of the date first above written.

 

	 	SERVICER:	 
	 	 	 	 
	 	GREENSKY, LLC	 
	 	 	 
	 	By:	/s/ Timothy D. Kaliban	 
	 	Name:	Timothy D. Kaliban	 
	 	Title:	President	 
	 	 	 	 
	 	LENDER:	 
	 	 	 	 
	 	FIFTH THIRD BANK	 
	 	 	 
	 	By:	/s/ Ben Hoffman	 
	 	Name:	Ben Hoffman	 
	 	Title:	SVP	 
	 	 	 	 
	 	By:	/s/ Tim Spence	 
	 	Name: 	Tim Spence	 
	 	Title:	EVP	 

 

Signature Page to

Amendment No. 4 to Loan Origination
Agreement

SS

4-30-18Exhibit 10.16

 

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

AMENDED AND RESTATED

CO-BRANDED MASTERCARD CARD PROGRAM
AGREEMENT

 

THIS AMENDED AND RESTATED CO-BRANDED
MASTERCARD CARD PROGRAM AGREEMENT (“Agreement”) is made and entered into as of the 15th day of October, 2012 (“Effective
Date”), by and between Greensky Trade Credit, LLC, a Georgia limited liability company (“Greensky”), and Comdata
Network, Inc., a Maryland corporation (“Comdata”).

 

RECITALS:

 

		A.	Comdata is currently registered as a Member Service Provider with MasterCard International, has
an arrangement with Regions Bank to issue MasterCard cards on its behalf, and operates MasterCard card programs.

 

		B.	Greensky is a lender to, among other persons, certain customers of home improvement retailers and
wholesale clubs.

 

		C.	Comdata and Greensky previously executed a Co-Branded MasterCard Card Program Agreement in 2006,
and a Co-Branded MasterCard Card Program Agreement dated February 16, 2011 (the “Previous Agreements”) pursuant to which,
Greensky offers co-branded MasterCard card programs as described on Exhibit A (the “Existing Programs”).

 

		D.	Comdata and Greensky desire to expand the Existing Programs to include the “Greensky Home
Improvement Finance Program” and other approved programs.

 

		E.	The Parties desire to amend and restate the Previous Agreements to incorporate certain changes
in the operation of the Existing Programs and to include new programs.

 

IN CONSIDERATION of the mutual promises
contained in this Agreement, and other good and valuable consideration, the receipt and sufficiency of which are acknowledged,
Greensky and Comdata agree as follows:

 

AGREEMENT:

 

		1.	Definitions. Capitalized terms used in this Agreement shall have the meanings set
forth in this Section 1.

 

		(a)	“Agreement” means this Amended and Restated Co-branded MasterCard Card
Program Agreement, together with all exhibits, schedules and attachments, as the same may be amended, modified or supplemented
from time to time during the Term.

 

		(b)	“Available Spend” means the credit balance available on a Customer’s account
based on the credit limit underwritten by Greensky for each Customer account and communicated in writing to Comdata by Greensky.

 

		(c)	“Business Day” means any day that is not a Saturday, Sunday or legal
holiday and on which banking institutions in the city of Nashville, Tennessee are open for business.

    	1

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

		(d)	“Card” means the co-branded MasterCard card more particularly described
in Section 2(b) and also includes the Initial Bar Code described in Section 2(c).

 

		(e)	“Comdata” means Comdata Network, Inc., a Maryland corporation.

 

		(f)	“Customer” or “Cardholder” means a U.S. based
customer of Greensky or Program Sponsor that has signed up for the Program.

 

		(g)	“Funding Bank” means a bank or other financial institution that has an obligation
to fund a portion of the Program on behalf of Greensky pursuant to an loan origination agreement or similar agreement with Greensky.

 

		(h)	“Greensky” means Greensky Trade Credit, LLC, a Georgia limited liability
company.

 

		(i)	“International Transaction” means a Transaction that involves a merchant
located outside of the United States of America or not in US Dollars.

 

		(j)	“Issuing Bank” means the MasterCard member that issues the Cards for
the Program. Initially, the Issuing Bank will be Regions Bank, an Alabama state bank.

 

		(k)	“MasterCard” means MasterCard International.

 

		(l)	“Party” means either Comdata or Greensky, as the case may be, and “Parties”
means Comdata and Greensky collectively.

 

		(m)	“Program” means a co-branded MasterCard card program as more particularly
described in Section 2 of this Agreement.

 

		(n)	“Program Sponsor” means a retail or wholesale club or other vender that
will be the point of origination for the Greensky home improvement or other loans, subject to the approval of Comdata, MasterCard
and the Issuing Bank.

 

		(o)	“Term” has the meaning assigned in Section 4 of this Agreement.

 

		(p)	“Transaction” means utilization of a Card (or Card numbers) to purchase
goods or services.

 

		2.	The Program.

 

		(a)	General. The Program is a co-branded MasterCard
card that will be offered by Greensky to prospective Customers who will use the Card to access their loan proceeds for purchases
at Program Sponsor locations, at merchants or service providers associated with a Program Sponsor or at other locations where
MasterCard is accepted, as determined for the specific Program. The Program is subject to approval by MasterCard and must be operated
at all times in accordance with MasterCard rules, as the same may change from time to time during the Term. Comdata will be responsible
for MasterCard compliance and may, with notice to Greensky, alter the Program as necessary to remain in compliance and/or may
terminate this Agreement effective on thirty (30) days written notice (unless a shorter notice period is required by MasterCard)
if MasterCard does not approve, or revokes its approval of, the Program, or if the Program otherwise is out of compliance and
cannot feasibly be made to comply with MasterCard rules. Greensky will be required to sign an application for the

    	2

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

		 	Program to be submitted to MasterCard for approval. Greensky
is required to submit all card designs, marketing materials and other collateral regarding the Program to Comdata for conformance
with MasterCard rules and prior approval by Issuing Bank and MasterCard. Without limiting the foregoing, Greensky acknowledges
that each Program Sponsor, and each Program is subject to the approval of Comdata, MasterCard and the Issuing Bank.

 

		 	Greensky acknowledges and agrees that (i) Comdata is not
in the business of providing consumer credit, and (ii) to the extent Cards are issued to consumers, Greensky assumes sole responsibility
and liability for compliance with all applicable federal, state and local laws, rules or regulations relating to consumer financing
activities or the use of the Cards in connection with such consumer financing activities, including, without limitation, all disclosure
requirements. Greensky shall indemnify and hold harmless Comdata, MasterCard and Issuing Bank from any and all claims, liabilities,
damages or expenses (including reasonable attorneys’ fees) arising out of or in connection with the issuance of any Cards
to an individual consumer, or the extension of consumer credit in connection with the Program.

 

		(b)	Co-branded Card. The Card will be a co-branded MasterCard card, bearing both the
MasterCard brand and the logo or design of the applicable Program Sponsor, subject to MasterCard approval. Greensky, in conjunction
with the applicable Program Sponsor, shall be responsible for choosing its artwork and graphic design for the Cards and for obtaining
any permission as necessary to utilize such artwork and graphics. All Cards will be issued by Issuing Bank. Greensky and the Program
Sponsor will be required to sign an Affinity Agreement with the Issuing Bank, which includes a license of trademarks and trade
names for the Program. All Cards shall remain the property of Issuing Bank. For some Program Sponsors, an actual plastic Card may
not be issued, but instead the Customer will utilize the Initial Bar Code described below to access his or her loan proceeds.

 

(c)
Card Issuance. Prospective Customers may apply for their Greensky loan through a Program Sponsor service desk and
when the Customer is approved for a loan by Greensky, Greensky will issue a printed bar code and account number (“Initial
Bar Code”) that may be used to access the Customer’s loan proceeds. For some Program Sponsors, Comdata will mail personalized
Cards to the Customers within ten (10) business days of issuance of the Initial Bar Code, but for other Program Sponsors, the Customer
will continue to use the Initial Bar Code to access his or her loans.

 

		(d)	Card Acceptance. Card acceptance may be restricted to merchant category codes related
to the home improvement industry, wholesale clubs or others to be agreed upon from time-to-time by Greensky and Comdata, subject
to below floor limit Transactions and merchant identification changes. For certain Program Sponsors, such as The Home Depot, the
Cards may be restricted to certain Program Sponsor locations designated by Greensky. All Transactions will be authorized and settled
through the MasterCard network. Greensky understands that the restricted card acceptance is based on the merchant category codes,
or the merchant identification code, marketer ID and acquirer ID set by the MasterCard network, and that these codes could be changed
without prior notice to Comdata. Also, under MasterCard rules Transactions below the merchant’s floor limit may be processed
manually rather than electronically, and accordingly will be approved regardless of the merchant identification. International
transactions will be blocked.

 

		(e)	Program Responsibilities. Each Party is responsible for certain aspects of the Program
as follows:

 

		(i)	Greensky’s responsibilities.  Greensky
shall be responsible for the following:

		(1)	All marketing activities for the Program;

		(2)	Approval and credit underwriting of all Customers for the Program;

    	3

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

		(3)	Compliance with all federal, state and local laws and regulations,
including, without limitation, the federal Equal Credit Opportunity Act, the federal Fair Credit Reporting Act, the federal Truth
in Lending Act, the federal Bank Secrecy Act and USA Patriot Act/OFAC and any regulations promulgated to implement such laws;

		(4)	Communications to Comdata of new Customers for the Program, including transmission of account set
up information;

		(5)	Payment to Comdata for all Transactions on all Customer accounts along with Customer account level
payment application detail, as more particularly described in Section 3 below;

		(6)	Invoicing Customers and collection from Customers for all Transactions on all Customer accounts;
and

		(7)	Customer service relating to invoicing and payment issues.

 

		(ii)	Comdata’s Responsibilities. Comdata
shall be responsible for the following:

		(1)	Account set-up for Greensky and each Customer as more particularly described in Section 3 below;

		(2)	All costs associated with Card production for permanent
Cards, including but not limited to plastic, design, hotstamping and production;

		(3)	Transaction processing, both authorization and settlement per Greensky’s pre-defined parameters,
which will be agreed to in writing by both parties;

		(4)	Provide Greensky a daily transaction data file;

		(5)	Customer service relating to Card usage issues, including Transaction authorizations and declines;

		(6)	Standard reporting to Greensky; and

		(7)	The authorization of charges that do not exceed the Available Spend for any Customer account as
reported to Comdata by Greensky.

 

		(g)	Personnel. Comdata will assign a designated Implementation Project Manager to assist
with the Program implementation, and a Customer Relations Representative who will have responsibility for ongoing Program functions.

 

		3.	Accounts and Payment Terms.

 

		(a)	Accounts. Comdata will establish a corporate account for Greensky and will designate
a separate account code and one or more customer identifications for each Customer, which will be tied to Greensky’s corporate
account. Greensky understands and agrees that the accounts and Card(s) may only be used for valid and lawful purposes and limited
to use for the specific approved Program. If Greensky uses, or allows Customers to use, the Card(s) or accounts for any other purpose,
then Greensky shall be responsible for such use and may be required to reimburse Comdata, the Issuing Bank, and MasterCard for
all amounts or expenses either Comdata, the Issuing Bank or MasterCard pays as a result of such use. Comdata recognizes that Greensky
has business relationships with the Customers and Cardholders. Greensky has every right to market to the Customers and Cardholders
without any approval or consent of Comdata. Furthermore, Comdata promises to not market any products or services to clients or
accounts associated with Greensky accounts, Customers or Cardholders. Nothing contained herein shall prohibit Comdata from marketing
or providing any products or services to Program Sponsors.

 

		(b)	Credit Limit. Comdata will establish an overall credit limit for the corporate account
based on Comdata’s credit review of Greensky and the various Funding Banks and will set credit limits for each Customer account
based on instructions from Greensky. Greensky will ensure that the total of all Customer account credit limits will not exceed
the overall corporate account credit limit. Comdata

    	4

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

		 	shall have the right to periodically review and adjust
the credit limit on the corporate account as Comdata deems necessary. Greensky will be required to provide security in the form
of a letter of credit or cash deposit in the amount determined by Comdata, which initially will be based on the projected transaction
volume and subsequently on the actual usage. Greensky shall not allow the unpaid balance, including fees and other charges, to
exceed the credit limit. If the credit limit is exceeded, then Comdata may request immediate payment, suspend service and charge
additional service fees.

 

		(c)	Account Payments. On a daily basis, Greensky
will wire funds to Comdata’s designated account in an amount equal to all Transactions authorized in the previous 24 hours
(or longer period for the day after a non-Business Day). Upon Greensky’s payment to Comdata in an amount equal to the then
outstanding and undisputed authorized Transactions within the relevant period, Greensky or its assignee shall have the unencumbered
right to collect the monies due and owing for such Transactions from the Customers (the “Receivables”) and shall likewise
have the right to grant a first priority security interest in such Receivables to a third party. Greensky will reimburse Comdata
for the costs of welcome kits to Customers and for the costs of producing any customized media inserts included in the welcome
kits. Comdata will invoice Greensky separately for such Card related costs and expenses. Late payments of amounts owed to Comdata
are subject to late fees in the maximum amount allowed by law.

 

		(d)	Incentive Payments. Comdata shall provide a monthly rebate to Greensky by the 15th
of each month in an amount equal to the aggregate net MasterCard merchant interchange, less the first [*****] basis points, on the total
amount of Card transactions on all Customer accounts. The rebate is calculated each month based on the previous month’s transactions,
net of any charge backs or credit losses. Greensky acknowledges and agrees that it is required to pay Comdata within 24 hours and
will be responsible for Comdata’s cost of capital (cash) if it fails to do so in an amount equal to [*****] basis points of the
total spend amount per day that the payment is delayed.

 

		(e)	Security. From time to time Comdata may request Greensky to provide security for
the performance when due of Greensky’s obligations hereunder. Greensky agrees to provide Comdata with such security, which
shall be in the amount and form as required by Comdata in its reasonable discretion. The Account will not be available to Greensky
until such security is accepted by Comdata in its sole discretion. In addition to any other security requested by Comdata, Greensky
agrees to provide the personal guaranty of David Zalik. Comdata shall return any excess security from time-to-time and shall return
all remaining security when all Programs are no longer active and all amounts owing on any accounts have been indefeasibly paid.

 

		(f)	Financial Covenants. In recognition of Comdata’s agreement to extend credit
to Greensky, Greensky covenants and agrees as follows:

 

		(A)	Greensky will not permit its tangible net worth at any time to be less than $3.5 million. For the
purpose of this covenant, “tangible net worth” means (i) the aggregate amount of all assets of Greensky as may be properly
classified as such, other than goodwill and such other assets as are properly classified as intangible assets, less (ii) the aggregate
amount of all liabilities of Greensky, all in accordance with GAAP.

		(B)	Greensky will not permit its debt coverage ratio at any time to be less than 1.5 to 1.0. For the
purpose of this covenant, “debt coverage ratio” means Greensky’s EBITDA (i.e., Customer’s net operating
income under GAAP before interest, taxes, depreciation and amortization) for the trailing four fiscal quarters divided by the sum
of Greensky’s interest expense for the trailing four fiscal quarters period and all debt and capitalized leases which, in
accordance with GAAP, would be classified as current liabilities for such period.

    	5

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

		(C)	Greensky will not permit the ratio of Total Liabilities to Total Members Equity to exceed 3.0 to
1.0.

		(D)	(i) Greensky shall deliver to Comdata as soon as is available, and in any event within 120 days
after the end of Greensky’s fiscal year, the audited financial statements of Greensky setting forth the audited balance sheets
of Greensky as at the end of such year and the audited statements of income, statements of cash flows and statements of retained
earnings of Greensky for such year, setting forth in each case in comparative form the corresponding figures of the preceding fiscal
year, accompanied by the report of Greensky’s certified public accountants, together with a certificate of Greensky’s
chief financial or principal accounting officer setting forth the covenant calculations set forth in (A) through (C) above for
the year and quarter then ended, as the case may be; and

		 	(ii) Greensky shall deliver to Comdata as soon as is available,
and in any event within 45 days of the end of the first three fiscal quarters of Greensky’s fiscal year, the balance sheet
of Greensky as of the end of such quarter and the statements of income and statements of cash flow of Greensky for such quarter
and for the period from the beginning of the fiscal year to the end of such quarter, all certified by the Greensky’s chief
financial or principal accounting officer as being true and correct to the best of his or her knowledge, together with a certificate
of Greensky’s chief financial or principal accounting officer setting forth the covenant calculations set forth in (A) through
(C) above for the quarter then ended; and

		 	(iii) Greensky shall deliver to Comdata within 45 days
of the end of each fiscal quarter a report that lists each Funding Bank and their corresponding credit rating; and

		 	(iv) On a weekly basis, Greensky shall deliver to Comdata
a report that identifies all Funding Banks under its Programs, the amount of their commitment, current balance, daily authorizations,
total amount funded, and the remaining availability. Comdata agrees to use the financial information received from Greensky hereunder
solely in connection with its performance under this Agreement and not to disclose any non-public information of Greensky to any
third party (other than as may be required to be disclosed to the Issuing Bank) without the consent of Customer.

 

		(g)	Negative Covenants. Without the advance written consent of Comdata, Greensky will
not suffer or permit: (i) any material change to be made in the character or nature of its business as presently carried on, whether
by change in business or operational model or by merger or acquisition; or (ii) a change in control of Greensky. For the purpose
of this covenant, a “change in control” means: the sale or transfer of all or substantially all of the assets or business
of Greensky to a third party (by way of asset sale, merger or otherwise); a change (directly or indirectly and in one transaction
or a series of transactions) in the ownership of 50% or more of the outstanding capital stock or other securities of Greensky;
a change in the composition of a majority of Greensky’s board of directors (in relation to the composition as it exists on
the date of this Agreement); or a change in the principal executive officer (e.g. Chief Executive Officer or President).

 

		4.	Term. The initial Term shall commence on the Effective Date and shall continue until
the third (3rd) anniversary of such date. Thereafter, this Agreement shall automatically renew for successive one (1)
year Terms unless either Party gives written notice of non-renewal to the other Party of not less than one-hundred and eighty (180)
days prior to the expiration of the then existing Term. Either party shall give written notice of not less than one-hundred eighty
(180) days should it elect to terminate prior to the end of the Term.

 

		5.	Default and Remedies. In the event of either party’s default under this Agreement,
including, without limitation, failure to comply with the credit limit and payment terms provisions hereof, the other party shall
have the right to immediately suspend the accounts until such breach is cured. In the event any such breach or default is not cured
within a reasonable period of time, then the party not in

    	6

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

		 	default may thereafter terminate this Agreement. Greensky
acknowledges and agrees that any default by Greensky called by a Funding Bank under any loan origination agreement or other agreement
with the Funding Banks shall be a material default under this Agreement. Greensky agrees to notify Comdata promptly of any such
default called by a Funding Bank. Additionally, Greensky agrees to notify Comdata within 24 hours of receiving notice that a Funding
Bank intends to no longer participate and fund under the Program. Greensky’s obligation to pay for all outstanding amounts
on the accounts incurred before the effective date of termination shall survive termination.

 

		6.	Customer Verification. Greensky shall be responsible for verifying the identity of
each Customer and for assuring that each Customer is not using the Cards for funding any illegal activities or financing terrorist
activities. Accordingly, Greensky represents and warrants that it has developed, implemented and will maintain an effective Anti-Money
Laundering and OFAC compliance program, including written policies and procedures and internal controls designed to verify the
identity of each Customer and to monitor for any suspicious activity. If Greensky identifies suspicious activity or receives a
match against the OFAC list, then it will promptly report such incident to Comdata’s BSA Compliance Officer. Recordkeeping
efforts regarding Greensky’s customer identification program should align with the Comdata AML-OFAC Compliance Manual and
records should be retained for a period of five years.

 

		 	Further, Greensky represents and warrants that it has developed
and implemented written policies and procedures as required by Section 114 of the Fair and Accurate Credit Transactions Act of
2003 to detect, prevent, and mitigate the risk of identity theft in connection with the Program and that these policies and procedures
are reviewed periodically and updated as necessary. Greensky further represents and warrants that a component of its identify
theft prevention program is to identify red flags indicative of possible identity theft. If Greensky identifies an incident of
identity theft, it will promptly report such incident to Comdata and take all other appropriate steps to prevent or mitigate identity
theft.

 

		 	Greensky will provide Comdata copies of its Anti-Money
Laundering and OFAC compliance program and Identity Theft Prevention program documents upon request.

 

		7.	Compliance with Laws. Greensky represents, warrants, covenants and agrees that all
actions it takes under this Agreement will comply in all material respects with applicable local, state and federal laws and regulations
in effect from time to time, including, but not limited to, the federal Equal Credit Opportunity Act, the federal Fair Credit Reporting
Act, the federal Truth in Lending Act, the federal Bank Secrecy Act and USA Patriot Act/OFAC and any regulations promulgated to
implement such laws. Comdata and its internal and external auditors and the government agencies that regulate it, will have the
right to initiate periodic audits of Greensky to ensure compliance with laws, at least once each calendar year upon at least ten
(10) days prior notice. Any such audit will be at Comdata’s expense and will be conducted during reasonable business hours
in such a manner that does not unduly disrupt normal business operations. If any such audit results in Greensky being notified
that it is not in compliance with any applicable law or regulation, then Greensky will, at its expense, promptly take any and all
actions necessary to cause compliance with such law or regulation. The rights and obligations in this Section shall survive the
termination or expiration of this Agreement.

 

		8.	Confidentiality and Data Security. Each Party agrees and covenants that it shall
not, during term of the Agreement or at any time after the termination or expiration hereof, use or disclose to any third party,
other than during the proper performance of its duties, the confidential and proprietary information of the other Party, including,
but not limited to technical information, such as file record layouts, and any of the procedures, practices or confidential dealings
of Comdata or Issuing Bank.

    	7

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

		 	Greensky acknowledges and agrees that transaction information,
including, without limitation, Card numbers and data gathered at the point of sale, is confidential, and Greensky is entitled
to use this information only for cardholder reporting and invoicing and for no other purposes without Comdata’s prior written
consent.. The provisions of this Section shall not apply to disclosures required by law.

 

		 	Pursuant to Section 3(c), Comdata will transmit electronic
cardholder data to Greensky for Greensky to provide reports and invoices to Cardholders. Greensky shall be responsible for the
security of Cardholder data in its possession and control. Greensky will take commercially reasonable security precautions to
safeguard such data and to prevent unauthorized third parties from accessing, modifying or altering such data. Greensky will promptly
notify Comdata of any security breach that could affect the integrity, confidentiality, or accuracy of the Cardholder data and
shall comply with all applicable law regarding such breach. Although it is not anticipated that Comdata will provide full, unmasked
Card numbers to Greensky, to the extent it does receive, store or transmit full, unmasked Card numbers, Greensky agrees to comply
and maintain such compliance during the term of the Program with the most current version of the Payment Card Industry Data Security
Standard (PCI-DSS), as maintained by the PCI Standards Council.  To the extent it receives, stores or transmits full, unmasked
Card numbers, Greensky will furnish Comdata annually, or upon Comdata’s written request, with validation, satisfactory to
Comdata in its reasonable discretion, of compliance with the PCI-DSS compliance standard.

 

		9.	Lost or Stolen Cards. Greensky agrees to notify Comdata immediately of any loss,
theft or unauthorized use of any Card or account. Greensky understands that it is liable for unauthorized use of the Cards and
accounts, provided however, that Greensky will not be liable for unauthorized charges that occur after it notifies Comdata of the
loss, theft or possible unauthorized use.

 

		10.	Liability of Acts of Greensky, Customers, Employees and Agents. Greensky agrees to
indemnify and hold harmless Comdata from any and all liability resulting from the breach of this Agreement by Greensky, or the
acts of any employees or agents of Greensky, Home Depot or any Customers, which acts shall include but are not limited to negligent
acts of such persons. Comdata agrees to indemnify and hold harmless Greensky from any and all liability resulting from Comdata’s
breach of this Agreement.

 

		11.	Limitation of Liability. Comdata shall not be liable for any loss or damages sustained
by Greensky or its Customers as a result of delay in servicing a transaction request, delay resulting from equipment failure or
transmission failure, act of god or any other cause not within the reasonable control of Comdata. IN NO EVENT SHALL COMDATA BE
RESPONSIBLE FOR CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, REGARDLESS OF WHETHER COMDATA WAS MADE AWARE OF THE POSSIBILITY
OF SUCH DAMAGES. COMDATA MAKES NO REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY
OR FITNESS FOR A PARTICULAR PURPOSE.

 

		12.	Relationship Of The Parties. The Parties are independent contractors. No partnership
or joint venture is intended to be created by this Agreement, nor any principal-agent or employer-employee relationship. Except
to the extent expressly provided in this Agreement, neither Party has, and neither Party shall attempt to assert, the authority
to make commitments for or to bind the other Party to any obligation.

 

		13.	Notices. All written notices required to be given by this Agreement shall be deemed
to be duly given if delivered personally or sent by U.S. mail, facsimile or overnight courier to Comdata, 5301

    	8

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

		 	Maryland Way, Brentwood, TN 37027, attn: General Counsel,
or to Greensky, 1797 Northeast Expressway, Suite 100, Atlanta, GA 30329, attn: President.

 

		14.	No Subcontractors. Greensky will not assign or subcontract any of its obligations
under this Agreement to any third party without the express written consent of Comdata.

 

		15.	Effect on Previous Agreement. This Agreement amends and restates the Previous Agreements
and supersedes the Previous Agreements in their entirety, and the Previous Agreements shall no longer be in effect.

 

		16.	Miscellaneous. This Agreement shall be governed by the laws of the State of Tennessee,
without regard to the choice of law rules of such state. In the event that Comdata engages the services of a collection agency
or attorney to collect payment, then Greensky agrees to pay all such costs, fees and expenses of such agency or attorney, including
without limitation, court costs and out-of-pocket expenses. Failure to insist upon strict compliance with any of the terms or conditions
of this Agreement shall not be deemed a waiver of such term or condition, nor shall any waiver or relinquishment of any right or
power hereunder at any time or times be deemed a subsequent waiver or relinquishment of such right or power. The section headings
contained in this Agreement are for reference purposes only and shall not affect the meaning or interpretation of this Agreement.
In case one or more of the provisions contained in this Agreement or any application thereof shall be invalid, illegal, or unenforceable
in any respect, the validity, legality, and enforceability of the remaining provisions contained herein and any other application
thereof shall not in any way be affected or impaired thereby. This Agreement, together with the exhibits hereto which are incorporated
herein by reference, constitutes the entire agreement of the parties relating to this subject matter and supercedes all prior or
contemporaneous agreements and understandings regarding the subject matter hereof, whether written or verbal. Except as expressly
set forth herein, this Agreement may only be modified by a writing signed by both parties. This Agreement shall be binding on the
parties and their respective successors and assigns. Notwithstanding the foregoing, this Agreement may not be assigned, in whole
or in part, by Greensky without the prior written consent of Comdata. This Agreement may be executed in any number of counterparts,
each of which shall be deemed an original, but all of which together shall constitute one and the same instrument.

 

IN WITNESS WHEREOF, the parties
have entered into this Agreement as of the Effective Date.

 

COMDATA
NETWORK, INC.GREENSKY TRADE CREDIT, LLC

 

	BY: 	/s/ Robert Skiba [sic]	 	BY: 	/s/ David Zalik                     

	 	 	 	 	    
	TITLE: 	EVP	 	TITLE: 	CEO

    	9

    	

    

CERTAIN CONFIDENTIAL
MATERIAL APPEARING 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

 

Exhibit A

 

Existing Programs

 

The Greensky MasterCard Program—Greensky
offers retailers and distributors a line of credit to purchase inventory at market using the Greensky MasterCard Program.

 

The Benjamin Moore Program

 

The Home Depot Program-- Greensky offers
customers of The Home Depot a co-branded MasterCard card program to allow such customers to use their loan proceeds from Greensky
to purchase materials and services at Home Depot using the co-branded MasterCard card

 

The Greensky Home Improvement Program—Greensky
offers customers a co-branded MasterCard card program to allow such customers to use their loan proceeds from Greensky to purchase
home improvement materials from various retailers using the co-branded MasterCard card.

    	10

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

AMENDMENT TO

AMENDED AND RESTATED

CO-BRANDED MASTERCARD CARD PROGRAM AGREEMENT

 

THIS AMENDMENT TO AMENDED AND RESTATED
CO-BRANDED MASTERCARD CARD PROGRAM AGREEMENT (this “Amendment”), effective as of December 30, 2013,
is made by and between Greensky Trade Credit, LLC, a Georgia limited liability company (“Greensky”), and Comdata
Inc., a Delaware corporation and successor in interest to Comdata Network, Inc., a Maryland corporation (“Comdata”).

 

RECITALS:

 

A. Comdata and Greensky are parties
to that certain Amended and Restated Co-Branded MasterCard Card Program Agreement dated October 15, 2012 (the “Agreement”).

 

B. The parties desire to amend the
Agreement as set forth herein. Capitalized terms used herein and not otherwise defined will have the respective meanings set forth
in the Agreement.

 

IN CONSIDERATION of the mutual promises
contained in this Amendment, and other good and valuable consideration, the receipt and sufficiency of which are acknowledged,
Greensky and Comdata agree to amend the Agreement as follows:

 

1. Section 3(c) of the Agreement is
hereby deleted in its entirety and replaced with the following:

 

“Greensky or its bank partners will
wire funds to Comdata’s designated account in an amount necessary to ensure that Comdata has received cash equal to all
Transactions settled through the MasterCard network the previous business day (or longer period for the day after a non-business
day). Upon Greensky’s payment to Comdata in an amount equal to the then outstanding and undisputed settled transactions
within the relevant period, Greensky or its assignee shall have the unencumbered right to collect the monies due and owing for
such transactions for the customers (the “Receivables”) and shall likewise have the right to grant a first priority
security interest in such Receivables to a third party. Greensky will reimburse Comdata for the costs of welcome kits to Customers
and for the costs of producing any customized media inserts included in the welcome kits. Comdata will invoice Greensky separately
for such Card related costs and expenses. Late payments of amounts owed to Comdata are subject to late fees in the maximum allowed
by law.”

 

2. Section 3(f)(A) of the Agreement
is hereby deleted in its entirety and replaced with the following:

 

“Greensky will not permit its tangible
net worth at any time to be less than $7,500,000. For the purpose of this covenant, “tangible net worth” means (i)
the aggregate amount of all assets of Greensky as may be properly classified as such, other than goodwill and such other assets
as are properly classified as intangible assets, less (ii) the aggregate amount of all liabilities of Greensky, all in accordance
with GAAP.”

 

3. Section 3(0(B) of the Agreement
is hereby deleted in its entirety and replaced with the following:

 

“Greensky will maintain a minimum
aggregate net income of $5,000,000, in accordance with GAAP, for the four trailing fiscal quarters.”

 

4. Section 3(f)(D)(iv) of the Agreement
is hereby deleted in its entirety and replaced with the following:

    	1

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

“Within 10 days from month-end,
Greensky shall deliver to Comdata a report that identifies all Funding Banks under its Programs, the amount of their commitment,
current balance, daily authorizations, total amount funded, and the remaining availability. Comdata agrees to use the financial
information received from Greensky hereunder solely in connection with its performance under this Agreement and not to disclose
any non-public information of Greensky to any third party (other than as may be required to be disclosed to the Issuing Bank)
without the consent of the Customer.”

 

5. A new subsection (v) is hereby added
to the end of Section 3(0(D) as follows:

 

“(v) Within 10 days from month-end,
Greensky will provide a listing of loan originations for its top 10 Program Sponsors. The listing should include the amounts owed
as well as the percentage to the total of all originations for the same time period across all Program Sponsors. Program Sponsors’
names can be masked based on Greensky’s desire to do so. Comdata reserves the right to request additional information about
any Program Sponsor representing more than 10% of Greensky’s loan originations.”

 

6. Except as expressly amended or modified
hereby, the Agreement remains in full force and effect and is hereby ratified and confirmed by the parties hereto in all respects.
Each reference in the Agreement to “this Agreement” or “hereof”, “hereunder” or words of like
import, and each reference in any other document to the Agreement shall mean and be a reference to the Agreement as amended hereby.

 

IN WITNESS WHEREOF, the parties
have entered into this Amendment through their duly authorized representatives:

 

	COMDATA INC.	 	GREENSKY TRADE CREDIT, LLC
	 	 	 
	BY:  	/s/ Lisa Peerman	 	BY: 	/s/ David Zalik

	TITLE: 	General Counsel	 	TITLE: 	CEO

    	2

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

SECOND AMENDMENT TO

AMENDED AND RESTATED

CO-BRANDED MASTERCARD CARD PROGRAM AGREEMENT

 

THIS SECOND AMENDMENT TO AMENDED AND
RESTATED CO-BRANDED MASTERCARD CARD PROGRAM AGREEMENT (this “Amendment”), effective as of May 1, 2014,
is made by and between Greensky Trade Credit, LLC, a Georgia limited liability company (“Greensky”), and Comdata
Inc., a Delaware corporation and successor in interest to Comdata Network, Inc., a Maryland corporation (“Comdata”).

 

RECITALS:

 

A. Comdata and Greensky are parties
to that certain Amended and Restated Co-Branded MasterCard Card Program Agreement dated October 15, 2012, as previously amended
(the “Agreement”).

 

B. The parties desire to amend the
Agreement as set forth herein. Capitalized terms used herein and not otherwise defined will have the respective meanings set forth
in the Agreement.

 

IN CONSIDERATION
of the mutual promises contained in this Amendment, and other good and valuable consideration, the receipt and sufficiency
of which are acknowledged, Greensky and Comdata agree to amend the Agreement as follows:

 

1. Section 4 of the Agreement is hereby
deleted in its entirety and replaced with the following:

 

4. Term and Termination.

 

(a) Term. The initial
Term shall commence on the Effective Date and shall continue until April 30, 2017. Thereafter, this Agreement shall automatically
renew for successive one (1) year Terms unless either Party gives written notice of non-renewal to the other Party of not less
than two hundred and seventy (270) days prior to the expiration of the then existing Term.

 

(b) Termination.

 

(i) This Agreement may be terminated
upon advance written notice in the event that (1) either party becomes insolvent, (2) Issuing Bank ceases to be a MasterCard Member
or Card issuer and no successor is appointed, or the term of the Agreement between Comdata and Issuing Bank pertaining to the
issuance of Cards expires or terminates or expires and is not replaced, (3) Issuing Bank fails to approve or revokes its approval
of the Program or otherwise prohibits the Program or this Agreement, or (4) as set forth in Section 2(a). Comdata will use commercially
reasonable efforts to identify the specific reasons for a potential termination under (3) or (4), will communicate such reasons
to Greensky, and will cooperate to modify or alter the Program so as to avoid termination.

 

(ii) Comdata may terminate
this Agreement upon advance written notice to Company: (1) in the event of a change in Applicable Law or the interpretation
or enforcement thereof that would cause Comdata, in its reasonable discretion, to be out of compliance and Comdata reasonably
determines that the Program cannot be altered or modified to become compliant; or (2) upon repeated violations by Company of
the Compliance and Information Security Addendum and/or the Anti-Money Laundering/OFAC Program and Identity Theft Program
Addendum as determined by Comdata in its reasonable discretion.

    	1

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

(iii) Either party may terminate
this Agreement in the event of a default in accordance with Section 5.

 

(c) Effect of Termination.
In the event of non-renewal or termination of this Agreement other than a termination by Comdata under subsection b(ii)(2) or
(b)(iii) above, Comdata will use commercially reasonable efforts to assist Greensky in transitioning the Program to another provider
to avoid disrupting Greensky’s operations and the Program.

 

2. Section 3(d) of the Agreement is
hereby deleted in its entirety and replaced with the following:

 

(d) Incentive Payments.
From the Effective Date through December 31, 2014, Comdata shall provide a monthly incentive payment to Greensky by the 15th
of the month in an amount equal to the aggregate net MasterCard merchant interchange, less the “Comdata Keep”
basis point amount set forth in the table below based on the monthly Transaction volume.

 

	 	 	Monthly
    Spend	 	Comdata
    Keep
	Tier
    1	 	First
    $[*****]	 	[*****]
    basis points
	Tier
    2	 	$[*****]
    to $[*****] 	 	[*****]
    basis points
	Tier
    3	 	Over
    $[*****]	 	[*****]
    basis points

 

After December 31, 2014 and through
the remainder of the initial term, Comdata shall provide a monthly incentive payment to Greensky by the 15th of the
month in an amount equal to the aggregate net MasterCard merchant interchange less [*****] basis points.

 

The incentive is calculated each
month on the previous month’s Transactions net of any Transactions charged back or credit losses Comdata suffers as a result
of Greensky or its bank partner not providing funding for the Transaction and net of any Transactions processed outside the MasterCard
network (“on us” or Comdata Network transactions).

 

3. Section 3(c) of the Agreement is
hereby deleted in its entirety and replaced with the following:

 

(c) Account
Payments. Greensky or its bank partners will wire funds to Comdata’s designated account in an amount necessary
to ensure that Comdata has received cash equal to all Transactions settled through the MasterCard network identified in the
settlement file provided to Greensky on the previous business day (or longer period for the day after a non-business day).
Upon Greensky’s payment to Comdata in an amount equal to the then outstanding and undisputed settled Transactions
within the relevant period, Greensky or its assignee shall have the unencumbered right to collect the monies due and owing
such transactions for the customers (the “Receivables”) and shall likewise have the right to grant a first
priority security interest in, or sell or assign, such Receivables to a third party. In addition, Greensky or its bank
partners will calculate the “amount of one day of expected daily funding” and make a security deposit to
Comdata’s designated account in the “amount of one day of expected daily funding”. The “amount of one
day of expected daily funding” will be the average of the prior month daily settlement calculated as the prior
month’s total settled transaction volume divided by twenty-six (26). The initial security deposit shall be made within
five (5) days from execution of this Amendment. The calculation shall be updated each month by Greensky, and the deposit will
be adjusted accordingly by no later than the 5th Business Day of each month. Except for Existing Programs and the Consumer
Direct Program, Greensky and Comdata will negotiate in good faith regarding the costs for any Cards, welcome kits and
shipping costs for additional programs added

    	2

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

subsequent of the effective date of this Agreement. Late payments of amounts owed to Comdata are
subject to late fees in the maximum amount allowed by law.

 

4. Section 2 of the Agreement is hereby
amended by adding new subsection (h) at the end of such section to read as follows:

 

(h) Volume Commitment and
Incentive Payments.

 

Greensky commits to a minimum
annual volume of $[*****] in Card Transactions processed through the MasterCard network for all programs operated under the terms
of the Agreement (“Volume Commitment”). OR $[*****] in aggregate through the current term of the agreement,
whichever amount is reached first, at any time between May 1, 2014 and April 30, 2017. During the initial and any renewal Term,
Greensky agrees that it shall use the Program exclusively and not use any other third party payment card network or other Member
Service Provider in connection with Customers accessing loan proceeds in connection with the Existing Programs.

 

5. In consideration for the
Volume Commitment described above, Comdata will pay to Greensky a signing bonus of $[*****] payable within five
(5) days of the execution of this Amendment by Greensky. In the event that Greensky does not fulfill the Volume Commitment, Comdata’s
sole remedies shall be:

 

(a) for Comdata
to require Greensky to repay the signing bonus to Comdata on demand as follows:

 

		1)	if
                                                                                                                                                Volume
                                                                                                                                                for
                                                                                                                                                the
                                                                                                                                                period
                                                                                                                                                between
                                                                                                                                                May
                                                                                                                                                1,
                                                                                                                                                2014
                                                                                                                                                and
                                                                                                                                                December
                                                                                                                                                31,
                                                                                                                                                2014
                                                                                                                                                is
                                                                                                                                                not
                                                                                                                                                greater
                                                                                                                                                than
                                                                                                                                                or
                                                                                                                                                equal
                                                                                                                                                to
                                                                                                                                                $[*****],
                                                                                                                                                GreenSky
                                                                                                                                                shall
                                                                                                                                                repay
                                                                                                                                                [*****]%
                                                                                                                                                of
                                                                                                                                                the
                                                                                                                                                signing
                                                                                                                                                bonus;

		2)	if
                                                                                                                                                Volume
                                                                                                                                                for
                                                                                                                                                the
                                                                                                                                                period
                                                                                                                                                between
                                                                                                                                                January
                                                                                                                                                1,
                                                                                                                                                2015
                                                                                                                                                and
                                                                                                                                                December
                                                                                                                                                31,
                                                                                                                                                2015
                                                                                                                                                is
                                                                                                                                                not
                                                                                                                                                greater
                                                                                                                                                than
                                                                                                                                                or
                                                                                                                                                equal
                                                                                                                                                to
                                                                                                                                                $[*****],
                                                                                                                                                GreenSky
                                                                                                                                                shall
                                                                                                                                                repay
                                                                                                                                                [*****]%
                                                                                                                                                of
                                                                                                                                                the
                                                                                                                                                signing
                                                                                                                                                bonus;

		3)	if
                                                                                                                                                Volume
                                                                                                                                                for
                                                                                                                                                the
                                                                                                                                                period
                                                                                                                                                between
                                                                                                                                                January
                                                                                                                                                1,
                                                                                                                                                2016
                                                                                                                                                and
                                                                                                                                                December
                                                                                                                                                31,
                                                                                                                                                2016
                                                                                                                                                is
                                                                                                                                                not
                                                                                                                                                greater
                                                                                                                                                than
                                                                                                                                                or
                                                                                                                                                equal
                                                                                                                                                to
                                                                                                                                                $[*****],
                                                                                                                                                GreenSky
                                                                                                                                                shall
                                                                                                                                                repay
                                                                                                                                                [*****]%
                                                                                                                                                of
                                                                                                                                                the
                                                                                                                                                signing
                                                                                                                                                bonus;
                                                                                                                                                and

		4)	if
                                                                                                                                                Volume
                                                                                                                                                for
                                                                                                                                                the
                                                                                                                                                period
                                                                                                                                                between
                                                                                                                                                January
                                                                                                                                                1,
                                                                                                                                                2017
                                                                                                                                                and
                                                                                                                                                April
                                                                                                                                                30,
                                                                                                                                                2017
                                                                                                                                                is
                                                                                                                                                not
                                                                                                                                                greater
                                                                                                                                                than
                                                                                                                                                or
                                                                                                                                                equal
                                                                                                                                                to
                                                                                                                                                $[*****],
                                                                                                                                                GreenSky
                                                                                                                                                shall
                                                                                                                                                repay
                                                                                                                                                [*****]%
                                                                                                                                                of
                                                                                                                                                the
                                                                                                                                                signing
                                                                                                                                                bonus;
                                                                                                                                                and

 

(b) for Comdata
to reset the monthly incentive payment to Greensky to an amount equal to the aggregate net MasterCard merchant interchange less
[*****] basis points as follows:

 

		1)	if
                                                                                                                                                Volume
                                                                                                                                                for
                                                                                                                                                the
                                                                                                                                                period
                                                                                                                                                between
                                                                                                                                                May
                                                                                                                                                1,
                                                                                                                                                2014
                                                                                                                                                and
                                                                                                                                                December
                                                                                                                                                31,
                                                                                                                                                2014
                                                                                                                                                is
                                                                                                                                                not
                                                                                                                                                greater
                                                                                                                                                than
                                                                                                                                                or
                                                                                                                                                equal
                                                                                                                                                to
                                                                                                                                                $[*****],
                                                                                                                                                GreenSky
                                                                                                                                                shall
                                                                                                                                                repay
                                                                                                                                                any
                                                                                                                                                difference
                                                                                                                                                between
                                                                                                                                                [*****]
                                                                                                                                                bps
                                                                                                                                                of
                                                                                                                                                volume
                                                                                                                                                and
                                                                                                                                                the
                                                                                                                                                amount
                                                                                                                                                paid
                                                                                                                                                to
                                                                                                                                                Comdata
                                                                                                                                                during
                                                                                                                                                2014;

		2)	if
                                                                                                                                                Volume
                                                                                                                                                for
                                                                                                                                                the
                                                                                                                                                period
                                                                                                                                                between
                                                                                                                                                January
                                                                                                                                                1,
                                                                                                                                                2015
                                                                                                                                                and
                                                                                                                                                December
                                                                                                                                                31,
                                                                                                                                                2015
                                                                                                                                                is
                                                                                                                                                not
                                                                                                                                                greater
                                                                                                                                                than
                                                                                                                                                or
                                                                                                                                                equal
                                                                                                                                                to
                                                                                                                                                $[*****],
                                                                                                                                                GreenSky
                                                                                                                                                shall
                                                                                                                                                repay
                                                                                                                                                [*****]
                                                                                                                                                bps
                                                                                                                                                of
                                                                                                                                                Volume
                                                                                                                                                in
                                                                                                                                                2015;

		3)	if
                                                                                                                                                Volume
                                                                                                                                                for
                                                                                                                                                the
                                                                                                                                                period
                                                                                                                                                between
                                                                                                                                                January
                                                                                                                                                1,
                                                                                                                                                2016
                                                                                                                                                and
                                                                                                                                                December
                                                                                                                                                31,
                                                                                                                                                2016
                                                                                                                                                is
                                                                                                                                                not
                                                                                                                                                greater
                                                                                                                                                than
                                                                                                                                                or
                                                                                                                                                equal
                                                                                                                                                to
                                                                                                                                                $[*****],
                                                                                                                                                GreenSky
                                                                                                                                                shall
                                                                                                                                                repay
                                                                                                                                                [*****]
                                                                                                                                                bps
                                                                                                                                                of
                                                                                                                                                Volume
                                                                                                                                                in
                                                                                                                                                2016;

		4)	if
                                                                                                                                                Volume
                                                                                                                                                for
                                                                                                                                                the
                                                                                                                                                period
                                                                                                                                                between
                                                                                                                                                January
                                                                                                                                                1,
                                                                                                                                                2017
                                                                                                                                                and
                                                                                                                                                April
                                                                                                                                                30,
                                                                                                                                                2017
                                                                                                                                                is
                                                                                                                                                not
                                                                                                                                                greater
                                                                                                                                                than
                                                                                                                                                or
                                                                                                                                                equal
                                                                                                                                                to
                                                                                                                                                $[*****],
                                                                                                                                                GreenSky
                                                                                                                                                shall
                                                                                                                                                repay
                                                                                                                                                [*****]
                                                                                                                                                bps
                                                                                                                                                of
                                                                                                                                                Volume
                                                                                                                                                in
                                                                                                                                                2017.

 

Notwithstanding the
foregoing, if GreenSky achieves on a cumulative basis the goals for Volume provided for above, (i) Comdata shall return to
GreenSky any signing bonus theretofore returned by GreenSky to Comdata as contemplated by clause (1) above, and (ii) Comdata
shall pay GreenSky the additional [*****] bps of incentive payment on an ongoing and retroactive basis.

    	3

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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 addition to the Volume Commitment bonus,
Comdata will pay to Greensky the amount of $[*****] representing a prior adjustment to Greensky’s incentive payments relating
to the MasterCard [*****][*****] basis point adjustment in interchange. In accepting this payment, Greensky waives any claims,
whether known or unknown, regarding or relating to the sufficiency of prior incentive payments paid by Comdata under the Agreement.

 

6. As described in Section 3(c) of
the Agreement, Greensky’s bank partners wire funds to Comdata’s designated account for payment. Greensky will make
a good faith effort to ensure that its bank partners only wire funds to Comdata for the Programs and do not wire funds that otherwise
are owed to Greensky. Comdata will cooperate with Greensky to provide reporting concerning the amount owed in an effort to assist
Greensky in obtaining accurate funding from its bank partners.

 

7. The term “Existing Programs”
shall be deemed to include all Programs for which, as of the date of this Amendment, Comdata has submitted a partner business
case form to Issuing Bank or that are in effect as of the date of this Amendment.

 

8. Except as expressly amended or modified
hereby, the Agreement remains in full force and effect and is hereby ratified and confirmed by the parties hereto in all respects.
Each reference in the Agreement to “this Agreement” or “hereof”, “hereunder” or words of like
import, and each reference in any other document to the Agreement shall mean and be a reference to the Agreement as amended hereby.

 

IN WITNESS WHEREOF, the parties
have entered into this Amendment through their duly authorized representatives:

 

	COMDATA INC.	 	GREENSKY TRADE CREDIT, LLC
	 	 	 	 	 
	BY:	/s/ Mark Schatz [sic]	 	BY:	/s/ David Zalik

	TITLE: 	EVP	 	TITLE: 	CEO

    	4

    	

    

CONFIDENTIAL TREATMENT REQUESTED BY

GREENSKY, INC.

 

Material that has been redacted in the
version filed on EDGAR is contained herein and highlighted in yellow. This version is being filed separately with the Securities
and Exchange Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of 1933, as
amended.

 

AMENDMENT TO

AMENDED AND RESTATED

CO-BRANDED MASTERCARD CARD PROGRAM AGREEMENT

 

THIS AMENDMENT TO AMENDED AND RESTATED
CO-BRANDED MASTERCARD CARD PROGRAM AGREEMENT (this “Amendment”), effective as of January 1, 2015, is made
by and between Greensky Trade Credit, LLC, a Georgia limited liability Greensky (“Greensky”), and Comdata Inc.,
a Delaware corporation and successor in interest to Comdata Network, Inc., a Maryland corporation (“Comdata”).

 

RECITALS:

 

A. Comdata and Greensky are parties
to that certain Amended and Restated Co-Branded MasterCard Card Program Agreement dated October 15, 2012 (the “Agreement”).

 

B. The parties desire to amend the
Agreement as set forth herein. Capitalized terms used herein and not otherwise defined will have the respective meanings set forth
in the Agreement.

 

IN CONSIDERATION of
the mutual promises contained in this Amendment, and other good and valuable consideration, the receipt and sufficiency of which
are acknowledged, Greensky and Comdata agree to amend the Agreement as follows:

 

1. Section 6 of the Agreement is hereby
deleted in its entirety and replaced with the Anti-Money Laundering/OFAC Program and Identity Theft Program Addendum attached
hereto as Exhibit A.

 

2. Section 7 of the Agreement is hereby
deleted in its entirety and replaced with the Compliance Addendum attached hereto as Exhibit B. To the extent that any
provision of the Agreement, including, without limitation, Section 2, conflicts with the provisions of the Compliance Addendum
(Exhibit B), the Compliance Addendum attached hereto shall control.

 

3. Section 8 of the Agreement is hereby
amended by adding the following as a new third paragraph at the end of the section:

 

“Greensky will maintain
and test annually a disaster recovery plan sufficient to ensure that if any individual facility, server or platform becomes inoperable
or loses data, or another similar type of event occurs, Greensky will be able to continue performing its obligations under this
Agreement. Greensky shall not be excused from performance in the event of a force majeure event which would have been prevented
had a disaster recovery plan complying with this Subsection been implemented or tested as provided herein. Upon request, Greensky
will provide a summary of the disaster recovery plan and annual testing results to Comdata.”

 

4. Except as expressly amended or
modified hereby, the Agreement remains in full force and effect and is hereby ratified and confirmed by the parties hereto in
all respects. Each reference in the Agreement to “this Agreement” or “hereof”,
“hereunder” or words of like import, and each reference in

    	 

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

any other document to the Agreement
shall mean and be a reference to the Agreement as amended hereby.

 

IN WITNESS WHEREOF, the parties
have entered into this Amendment through their duly authorized representatives:

 

	COMDATA INC.	 	GREENSKY TRADE CREDIT, LLC
	 	 	 	 	 
	BY:	/s/ Ralph [sic]	 	BY:	/s/ Timothy Kaliban

	TITLE: 	SVP, Comdata	 	TITLE: 	President

    	6

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

EXHIBIT A

 

Anti-Money Laundering/OFAC Program
and Identity Theft Program Addendum

 

	·	Identity
                                                                                                                                                   Theft
                                                                                                                                                   Program.
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   implement
                                                                                                                                                   and
                                                                                                                                                   maintain
                                                                                                                                                   policies
                                                                                                                                                   and
                                                                                                                                                   procedures
                                                                                                                                                   as
                                                                                                                                                   required
                                                                                                                                                   by
                                                                                                                                                   Section
                                                                                                                                                   114
                                                                                                                                                   of
                                                                                                                                                   the
                                                                                                                                                   FACT
                                                                                                                                                   Act
                                                                                                                                                   to
                                                                                                                                                   detect,
                                                                                                                                                   prevent
                                                                                                                                                   and
                                                                                                                                                   mitigate
                                                                                                                                                   the
                                                                                                                                                   risk
                                                                                                                                                   of
                                                                                                                                                   identity
                                                                                                                                                   theft
                                                                                                                                                   (the
                                                                                                                                                   “Identity
                                                                                                                                                   Theft
                                                                                                                                                   Program”).
                                                                                                                                                   The
                                                                                                                                                   Identity
                                                                                                                                                   Theft
                                                                                                                                                   Program
                                                                                                                                                   shall
                                                                                                                                                   be
                                                                                                                                                   reviewed
                                                                                                                                                   and
                                                                                                                                                   updated
                                                                                                                                                   periodically,
                                                                                                                                                   will
                                                                                                                                                   contain
                                                                                                                                                   provisions
                                                                                                                                                   to
                                                                                                                                                   identify
                                                                                                                                                   red
                                                                                                                                                   flags
                                                                                                                                                   indicative
                                                                                                                                                   of
                                                                                                                                                   possible
                                                                                                                                                   identity
                                                                                                                                                   theft,
                                                                                                                                                   and
                                                                                                                                                   will
                                                                                                                                                   ensure
                                                                                                                                                   that
                                                                                                                                                   Greensky
                                                                                                                                                   takes
                                                                                                                                                   other
                                                                                                                                                   appropriate
                                                                                                                                                   steps
                                                                                                                                                   to
                                                                                                                                                   mitigate
                                                                                                                                                   identity
                                                                                                                                                   theft.
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   provide
                                                                                                                                                   a
                                                                                                                                                   copy
                                                                                                                                                   of
                                                                                                                                                   its
                                                                                                                                                   Identity
                                                                                                                                                   Theft
                                                                                                                                                   Program
                                                                                                                                                   to
                                                                                                                                                   Comdata
                                                                                                                                                   upon
                                                                                                                                                   request.

 

	·	AML
                                                                                                                                                   Program.
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   implement
                                                                                                                                                   an
                                                                                                                                                   anti-money
                                                                                                                                                   laundering
                                                                                                                                                   program
                                                                                                                                                   and
                                                                                                                                                   Office
                                                                                                                                                   of
                                                                                                                                                   Foreign
                                                                                                                                                   Assets
                                                                                                                                                   Control
                                                                                                                                                   (OFAC)
                                                                                                                                                   compliance
                                                                                                                                                   program
                                                                                                                                                   that
                                                                                                                                                   complies
                                                                                                                                                   with
                                                                                                                                                   all
                                                                                                                                                   Applicable
                                                                                                                                                   Laws
                                                                                                                                                   (the
                                                                                                                                                   “AML
                                                                                                                                                   Program”)
                                                                                                                                                   which
                                                                                                                                                   includes
                                                                                                                                                   but
                                                                                                                                                   is
                                                                                                                                                   not
                                                                                                                                                   limited
                                                                                                                                                   to:

 

		o	A
                                                                                                                                               Customer
                                                                                                                                               Identification
                                                                                                                                               Program

 

		§	Customer
                                                                                                                                                     Notice.
                                                                                                                                                     Greensky
                                                                                                                                                     is
                                                                                                                                                     responsible
                                                                                                                                                     for
                                                                                                                                                     providing
                                                                                                                                                     its
                                                                                                                                                     Customers
                                                                                                                                                     with
                                                                                                                                                     a
                                                                                                                                                     notice
                                                                                                                                                     that
                                                                                                                                                     generally
                                                                                                                                                     describes
                                                                                                                                                     the
                                                                                                                                                     identification
                                                                                                                                                     requirements,
                                                                                                                                                     in
                                                                                                                                                     accordance
                                                                                                                                                     with
                                                                                                                                                     31
                                                                                                                                                     C.F.R.
                                                                                                                                                     §
                                                                                                                                                     103.121(b)(5)
                                                                                                                                                     or
                                                                                                                                                     similarly
                                                                                                                                                     applicable
                                                                                                                                                     provision
                                                                                                                                                     of
                                                                                                                                                     the
                                                                                                                                                     regulations
                                                                                                                                                     and
                                                                                                                                                     must
                                                                                                                                                     be
                                                                                                                                                     provided
                                                                                                                                                     to
                                                                                                                                                     a
                                                                                                                                                     prospective
                                                                                                                                                     Customer
                                                                                                                                                     before
                                                                                                                                                     an
                                                                                                                                                     account
                                                                                                                                                     is
                                                                                                                                                     established.

 

		§	Identifying
                                                                                                                                                     Information.
                                                                                                                                                     Greensky
                                                                                                                                                     is
                                                                                                                                                     responsible
                                                                                                                                                     for
                                                                                                                                                     collecting
                                                                                                                                                     from
                                                                                                                                                     each
                                                                                                                                                     Customer
                                                                                                                                                     identifying
                                                                                                                                                     information
                                                                                                                                                     regarding
                                                                                                                                                     such
                                                                                                                                                     Customer
                                                                                                                                                     which
                                                                                                                                                     shall,
                                                                                                                                                     at
                                                                                                                                                     a
                                                                                                                                                     minimum,
                                                                                                                                                     include:

 

		·	Name

 

		·	street
                                                                                                                                                       address

 

		·	For
                                                                                                                                                       sole
                                                                                                                                                       proprietorships,
                                                                                                                                                       and
                                                                                                                                                       individuals

 

		o	date
                                                                                                                                                of
                                                                                                                                                birth;
                                                                                                                                                and

 

		o	(for
                                                                                                                                                a
                                                                                                                                                U.S.
                                                                                                                                                person)
                                                                                                                                                taxpayer
                                                                                                                                                identification
                                                                                                                                                number
                                                                                                                                                or
                                                                                                                                                (for
                                                                                                                                                a
                                                                                                                                                non-U.S.
                                                                                                                                                person)
                                                                                                                                                taxpayer
                                                                                                                                                identification,
                                                                                                                                                passport
                                                                                                                                                number
                                                                                                                                                and
                                                                                                                                                country
                                                                                                                                                of
                                                                                                                                                issuance
                                                                                                                                                or
                                                                                                                                                any
                                                                                                                                                other
                                                                                                                                                government-issued
                                                                                                                                                identification
                                                                                                                                                number
                                                                                                                                                evidencing
                                                                                                                                                nationality
                                                                                                                                                or
                                                                                                                                                residence
                                                                                                                                                and
                                                                                                                                                bearing
                                                                                                                                                a
                                                                                                                                                photograph
                                                                                                                                                or
                                                                                                                                                similar
                                                                                                                                                safeguard

 

		·	For
                                                                                                                                                       limited
                                                                                                                                                       liability
                                                                                                                                                       forms
                                                                                                                                                       of
                                                                                                                                                       businesses

 

		o	Date
                                                                                                                                                of
                                                                                                                                                organization
                                                                                                                                                or
                                                                                                                                                incorporation

 

		o	Certificate
                                                                                                                                                of
                                                                                                                                                good
                                                                                                                                                standing

 

		o	Employer
                                                                                                                                                Identification
                                                                                                                                                Number

 

		o	NAICS
                                                                                                                                                classification

 

		o	Name
                                                                                                                                                of
                                                                                                                                                principal
                                                                                                                                                owner(s)

    	7

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

	 	 	 
		o	Names
                                                                                                                                                of
                                                                                                                                                members
                                                                                                                                                of
                                                                                                                                                Board
                                                                                                                                                of
                                                                                                                                                Directors
                                                                                                                                                (if
                                                                                                                                                applicable)

 

		§	Verification.
                                                                                                                                                     Greensky
                                                                                                                                                     is
                                                                                                                                                     responsible
                                                                                                                                                     for
                                                                                                                                                     verifying
                                                                                                                                                     the
                                                                                                                                                     identity
                                                                                                                                                     of
                                                                                                                                                     its
                                                                                                                                                     Customers
                                                                                                                                                     using
                                                                                                                                                     a
                                                                                                                                                     consistent
                                                                                                                                                     process.
                                                                                                                                                     Such
                                                                                                                                                     process
                                                                                                                                                     may
                                                                                                                                                     use
                                                                                                                                                     all
                                                                                                                                                     or
                                                                                                                                                     a
                                                                                                                                                     portion
                                                                                                                                                     of
                                                                                                                                                     the
                                                                                                                                                     Identifying
                                                                                                                                                     Information
                                                                                                                                                     listed
                                                                                                                                                     above,
                                                                                                                                                     and
                                                                                                                                                     may
                                                                                                                                                     utilize
                                                                                                                                                     documentary
                                                                                                                                                     or
                                                                                                                                                     non-documentary
                                                                                                                                                     methods.
                                                                                                                                                     In
                                                                                                                                                     the
                                                                                                                                                     event
                                                                                                                                                     that
                                                                                                                                                     Greensky
                                                                                                                                                     cannot
                                                                                                                                                     form
                                                                                                                                                     a
                                                                                                                                                     reasonable
                                                                                                                                                     belief
                                                                                                                                                     that
                                                                                                                                                     it
                                                                                                                                                     knows
                                                                                                                                                     the
                                                                                                                                                     true
                                                                                                                                                     identity
                                                                                                                                                     of
                                                                                                                                                     a
                                                                                                                                                     customer,
                                                                                                                                                     Greensky
                                                                                                                                                     may
                                                                                                                                                     not
                                                                                                                                                     conduct
                                                                                                                                                     business
                                                                                                                                                     with
                                                                                                                                                     such
                                                                                                                                                     customer
                                                                                                                                                     and
                                                                                                                                                     shall
                                                                                                                                                     provide
                                                                                                                                                     reporting
                                                                                                                                                     to
                                                                                                                                                     the
                                                                                                                                                     appropriate
                                                                                                                                                     funding
                                                                                                                                                     partner.

 

		o	Bank
                                                                                                                                               Secrecy
                                                                                                                                               Act/AML
                                                                                                                                               Customer
                                                                                                                                               Risk
                                                                                                                                               Rating.

 

		§	At
                                                                                                                                                     or
                                                                                                                                                     before
                                                                                                                                                     the
                                                                                                                                                     time
                                                                                                                                                     a
                                                                                                                                                     Customer
                                                                                                                                                     relationship
                                                                                                                                                     is
                                                                                                                                                     established,
                                                                                                                                                     Greensky
                                                                                                                                                     must
                                                                                                                                                     establish
                                                                                                                                                     sufficient
                                                                                                                                                     controls
                                                                                                                                                     to
                                                                                                                                                     ensure
                                                                                                                                                     that
                                                                                                                                                     all
                                                                                                                                                     Customers
                                                                                                                                                     are
                                                                                                                                                     handled
                                                                                                                                                     according
                                                                                                                                                     to
                                                                                                                                                     the
                                                                                                                                                     risk
                                                                                                                                                     represented
                                                                                                                                                     by
                                                                                                                                                     such
                                                                                                                                                     Customers.
                                                                                                                                                     Greensky
                                                                                                                                                     currently
                                                                                                                                                     subjects
                                                                                                                                                     all
                                                                                                                                                     Customers
                                                                                                                                                     to
                                                                                                                                                     the
                                                                                                                                                     same
                                                                                                                                                     level
                                                                                                                                                     of
                                                                                                                                                     scrutiny.
                                                                                                                                                     GreenSky
                                                                                                                                                     uses
                                                                                                                                                     controls
                                                                                                                                                     to
                                                                                                                                                     mitigate
                                                                                                                                                     the
                                                                                                                                                     risk
                                                                                                                                                     its
                                                                                                                                                     Customers
                                                                                                                                                     represent
                                                                                                                                                     that
                                                                                                                                                     may
                                                                                                                                                     include
                                                                                                                                                     but
                                                                                                                                                     are
                                                                                                                                                     not
                                                                                                                                                     limited
                                                                                                                                                     to:
                                                                                                                                                     (a)
                                                                                                                                                     screening
                                                                                                                                                     all
                                                                                                                                                     applications
                                                                                                                                                     for
                                                                                                                                                     possible
                                                                                                                                                     fraud,
                                                                                                                                                     (b)
                                                                                                                                                     screening
                                                                                                                                                     all
                                                                                                                                                     applications
                                                                                                                                                     for
                                                                                                                                                     possible
                                                                                                                                                     identity
                                                                                                                                                     theft,
                                                                                                                                                     (c)
                                                                                                                                                     OFAC
                                                                                                                                                     screening
                                                                                                                                                     for
                                                                                                                                                     all
                                                                                                                                                     Customers
                                                                                                                                                     during
                                                                                                                                                     the
                                                                                                                                                     application
                                                                                                                                                     process,
                                                                                                                                                     (d)
                                                                                                                                                     transaction
                                                                                                                                                     monitoring,
                                                                                                                                                     (e)
                                                                                                                                                     limited
                                                                                                                                                     timeframes
                                                                                                                                                     for
                                                                                                                                                     use
                                                                                                                                                     of
                                                                                                                                                     a
                                                                                                                                                     Card,
                                                                                                                                                     and
                                                                                                                                                     (f)
                                                                                                                                                     restrictions
                                                                                                                                                     on
                                                                                                                                                     locations
                                                                                                                                                     where
                                                                                                                                                     a
                                                                                                                                                     Card
                                                                                                                                                     may
                                                                                                                                                     be
                                                                                                                                                     utilized.
                                                                                                                                                     Upon
                                                                                                                                                     request,
                                                                                                                                                     Greensky
                                                                                                                                                     will
                                                                                                                                                     provide
                                                                                                                                                     Comdata
                                                                                                                                                     with
                                                                                                                                                     information
                                                                                                                                                     about
                                                                                                                                                     its
                                                                                                                                                     controls
                                                                                                                                                     and
                                                                                                                                                     will,
                                                                                                                                                     in
                                                                                                                                                     the
                                                                                                                                                     event
                                                                                                                                                     that
                                                                                                                                                     Greensky
                                                                                                                                                     materially
                                                                                                                                                     changes
                                                                                                                                                     or
                                                                                                                                                     alters
                                                                                                                                                     its
                                                                                                                                                     controls,
                                                                                                                                                     inform
                                                                                                                                                     Comdata
                                                                                                                                                     of
                                                                                                                                                     such
                                                                                                                                                     changes
                                                                                                                                                     and
                                                                                                                                                     the
                                                                                                                                                     expected
                                                                                                                                                     change
                                                                                                                                                     to
                                                                                                                                                     the
                                                                                                                                                     risk
                                                                                                                                                     profile
                                                                                                                                                     of
                                                                                                                                                     Greensky
                                                                                                                                                     Customers.

 

		§	Greensky
                                                                                                                                                     shall
                                                                                                                                                     provide
                                                                                                                                                     mutually
                                                                                                                                                     agreed
                                                                                                                                                     upon
                                                                                                                                                     reporting
                                                                                                                                                     to
                                                                                                                                                     Comdata
                                                                                                                                                     regarding
                                                                                                                                                     approvals
                                                                                                                                                     of
                                                                                                                                                     Customers.

 

		§	Greensky
                                                                                                                                                     shall
                                                                                                                                                     provide
                                                                                                                                                     documentation
                                                                                                                                                     of
                                                                                                                                                     its
                                                                                                                                                     controls
                                                                                                                                                     to
                                                                                                                                                     Comdata
                                                                                                                                                     and
                                                                                                                                                     shall
                                                                                                                                                     make
                                                                                                                                                     any
                                                                                                                                                     changes
                                                                                                                                                     reasonably
                                                                                                                                                     requested
                                                                                                                                                     by
                                                                                                                                                     Comdata
                                                                                                                                                     or
                                                                                                                                                     the
                                                                                                                                                     Issuing
                                                                                                                                                     Bank.

 

		§	Unless
                                                                                                                                                     agreed
                                                                                                                                                     upon
                                                                                                                                                     in
                                                                                                                                                     writing
                                                                                                                                                     by
                                                                                                                                                     Comdata,
                                                                                                                                                     Greensky
                                                                                                                                                     shall
                                                                                                                                                     not
                                                                                                                                                     approve
                                                                                                                                                     any
                                                                                                                                                     Customer
                                                                                                                                                     for
                                                                                                                                                     participation
                                                                                                                                                     in
                                                                                                                                                     the
                                                                                                                                                     Program
                                                                                                                                                     where
                                                                                                                                                     that
                                                                                                                                                     Customer
                                                                                                                                                     does
                                                                                                                                                     not
                                                                                                                                                     meet
                                                                                                                                                     Greensky’s
                                                                                                                                                     AML
                                                                                                                                                     criteria.
                                                                                                                                                     Greensky
                                                                                                                                                     will
                                                                                                                                                     certify
                                                                                                                                                     on
                                                                                                                                                     an
                                                                                                                                                     annual
                                                                                                                                                     basis
                                                                                                                                                     that
                                                                                                                                                     Greensky
                                                                                                                                                     is
                                                                                                                                                     complying
                                                                                                                                                     with
                                                                                                                                                     this
                                                                                                                                                     requirement.

 

		o	Suspicious
                                                                                                                                               Activity.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               monitor
                                                                                                                                               transactions
                                                                                                                                               for
                                                                                                                                               suspicious
                                                                                                                                               activity
                                                                                                                                               and
                                                                                                                                               report
                                                                                                                                               any
                                                                                                                                               suspicious
                                                                                                                                               activity
                                                                                                                                               to
                                                                                                                                               Comdata
                                                                                                                                               and
                                                                                                                                               provide
                                                                                                                                               additional
                                                                                                                                               information
                                                                                                                                               as
                                                                                                                                               may
                                                                                                                                               be
                                                                                                                                               reasonably
                                                                                                                                               requested
                                                                                                                                               by
                                                                                                                                               Comdata.

 

		o	Certification.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               certify
                                                                                                                                               annually
                                                                                                                                               to
                                                                                                                                               Comdata
                                                                                                                                               that
                                                                                                                                               it
                                                                                                                                               has
                                                                                                                                               implemented
                                                                                                                                               its
                                                                                                                                               AML
                                                                                                                                               Program
                                                                                                                                               and
                                                                                                                                               is
                                                                                                                                               abiding
                                                                                                                                               by
                                                                                                                                               the
                                                                                                                                               procedures
                                                                                                                                               in
                                                                                                                                               the
                                                                                                                                               AML
                                                                                                                                               Program.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               provide
                                                                                                                                               a
                                                                                                                                               copy
                                                                                                                                               of
                                                                                                                                               its
                                                                                                                                               AML
                                                                                                                                               Program
                                                                                                                                               (including
                                                                                                                                               procedures)
                                                                                                                                               annually
                                                                                                                                               and
                                                                                                                                               upon
                                                                                                                                               request
                                                                                                                                               from
                                                                                                                                               Comdata.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               review
                                                                                                                                               and
                                                                                                                                               update
                                                                                                                                               its
                                                                                                                                               AML
                                                                                                                                               Program
                                                                                                                                               on
                                                                                                                                               an
                                                                                                                                               annual
                                                                                                                                               basis
                                                                                                                                               to
                                                                                                                                               ensure
                                                                                                                                               effectiveness.

 

		o	Recordkeeping.
                                                                                                                                               Greensky’s
                                                                                                                                               AML
                                                                                                                                               Program
                                                                                                                                               shall
                                                                                                                                               include
                                                                                                                                               requirements
                                                                                                                                               for
                                                                                                                                               recordkeeping
                                                                                                                                               as
                                                                                                                                               required
                                                                                                                                               by
                                                                                                                                               Applicable
                                                                                                                                               Laws
                                                                                                                                               and
                                                                                                                                               the
                                                                                                                                               MasterCard
                                                                                                                                               Rules.

 

		o	OFAC.

    	8

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

		§	Greensky
                                                                                                                                                     shall
                                                                                                                                                     not
                                                                                                                                                     establish
                                                                                                                                                     any
                                                                                                                                                     Customer
                                                                                                                                                     relationships,
                                                                                                                                                     provide
                                                                                                                                                     Cards
                                                                                                                                                     to,
                                                                                                                                                     or
                                                                                                                                                     otherwise
                                                                                                                                                     conduct
                                                                                                                                                     business
                                                                                                                                                     with,
                                                                                                                                                     any
                                                                                                                                                     individual
                                                                                                                                                     or
                                                                                                                                                     entity
                                                                                                                                                     identified
                                                                                                                                                     on
                                                                                                                                                     OFAC’s
                                                                                                                                                     Specially
                                                                                                                                                     Designated
                                                                                                                                                     Nationals
                                                                                                                                                     and
                                                                                                                                                     Blocked
                                                                                                                                                     Persons
                                                                                                                                                     (“SDN”)
                                                                                                                                                     list.

 

		§	Greensky
                                                                                                                                                     shall
                                                                                                                                                     provide
                                                                                                                                                     for
                                                                                                                                                     screening
                                                                                                                                                     applicants
                                                                                                                                                     against
                                                                                                                                                     the
                                                                                                                                                     SDN
                                                                                                                                                     List
                                                                                                                                                     prior
                                                                                                                                                     to
                                                                                                                                                     establishing
                                                                                                                                                     a
                                                                                                                                                     customer
                                                                                                                                                     relationship.
                                                                                                                                                     Greensky
                                                                                                                                                     shall
                                                                                                                                                     screen
                                                                                                                                                     all
                                                                                                                                                     Customers
                                                                                                                                                     and
                                                                                                                                                     Cardholders
                                                                                                                                                     against
                                                                                                                                                     the
                                                                                                                                                     SDN
                                                                                                                                                     list
                                                                                                                                                     at
                                                                                                                                                     a
                                                                                                                                                     frequency
                                                                                                                                                     mutually
                                                                                                                                                     agreed
                                                                                                                                                     upon
                                                                                                                                                     with
                                                                                                                                                     Comdata.

 

		§	Greensky
                                                                                                                                                     shall
                                                                                                                                                     comply
                                                                                                                                                     with
                                                                                                                                                     all
                                                                                                                                                     OFAC
                                                                                                                                                     blocking,
                                                                                                                                                     rejecting,
                                                                                                                                                     and
                                                                                                                                                     reporting
                                                                                                                                                     requirements
                                                                                                                                                     for
                                                                                                                                                     any
                                                                                                                                                     Customer(s)
                                                                                                                                                     or,
                                                                                                                                                     as
                                                                                                                                                     applicable,
                                                                                                                                                     Cardholder(s).

 

		§	Greensky
                                                                                                                                                     shall
                                                                                                                                                     notify
                                                                                                                                                     Comdata
                                                                                                                                                     as
                                                                                                                                                     soon
                                                                                                                                                     as
                                                                                                                                                     practicable,
                                                                                                                                                     but
                                                                                                                                                     in
                                                                                                                                                     no
                                                                                                                                                     event
                                                                                                                                                     less
                                                                                                                                                     than
                                                                                                                                                     three
                                                                                                                                                     (3)
                                                                                                                                                     days
                                                                                                                                                     of
                                                                                                                                                     identifying
                                                                                                                                                     or
                                                                                                                                                     otherwise
                                                                                                                                                     obtaining
                                                                                                                                                     knowledge
                                                                                                                                                     of
                                                                                                                                                     a
                                                                                                                                                     suspected
                                                                                                                                                     actual
                                                                                                                                                     match
                                                                                                                                                     to
                                                                                                                                                     OFAC’s
                                                                                                                                                     SDN
                                                                                                                                                     list.
                                                                                                                                                     For
                                                                                                                                                     purposes
                                                                                                                                                     of
                                                                                                                                                     this
                                                                                                                                                     requirement,
                                                                                                                                                     a
                                                                                                                                                     “suspected
                                                                                                                                                     actual
                                                                                                                                                     match”
                                                                                                                                                     is
                                                                                                                                                     a
                                                                                                                                                     match
                                                                                                                                                     against
                                                                                                                                                     the
                                                                                                                                                     OFAC
                                                                                                                                                     SDN
                                                                                                                                                     list
                                                                                                                                                     that
                                                                                                                                                     has
                                                                                                                                                     not
                                                                                                                                                     been
                                                                                                                                                     dispositioned
                                                                                                                                                     as
                                                                                                                                                     a
                                                                                                                                                     “false
                                                                                                                                                     positive”
                                                                                                                                                     following
                                                                                                                                                     a
                                                                                                                                                     secondary
                                                                                                                                                     review
                                                                                                                                                     of
                                                                                                                                                     preliminary
                                                                                                                                                     screening.

 

		§	Greensky
                                                                                                                                                     will
                                                                                                                                                     not
                                                                                                                                                     employ
                                                                                                                                                     or
                                                                                                                                                     subcontract
                                                                                                                                                     with
                                                                                                                                                     any
                                                                                                                                                     person
                                                                                                                                                     who
                                                                                                                                                     is
                                                                                                                                                     a
                                                                                                                                                     “Specially
                                                                                                                                                     Designated
                                                                                                                                                     National”
                                                                                                                                                     as
                                                                                                                                                     defined
                                                                                                                                                     from
                                                                                                                                                     time
                                                                                                                                                     to
                                                                                                                                                     time
                                                                                                                                                     in
                                                                                                                                                     OFAC
                                                                                                                                                     regulations.

 

		o	Greensky
                                                                                                                                               shall
                                                                                                                                               provide
                                                                                                                                               Comdata
                                                                                                                                               with
                                                                                                                                               reports
                                                                                                                                               detailing
                                                                                                                                               each
                                                                                                                                               new
                                                                                                                                               Customer
                                                                                                                                               in
                                                                                                                                               a
                                                                                                                                               format
                                                                                                                                               mutually
                                                                                                                                               agreed
                                                                                                                                               upon
                                                                                                                                               between
                                                                                                                                               Comdata
                                                                                                                                               and
                                                                                                                                               Greensky.
                                                                                                                                               Such
                                                                                                                                               reports
                                                                                                                                               shall
                                                                                                                                               be
                                                                                                                                               provided
                                                                                                                                               periodically,
                                                                                                                                               but
                                                                                                                                               no
                                                                                                                                               less
                                                                                                                                               frequently
                                                                                                                                               than
                                                                                                                                               monthly.

    	9

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

EXHIBIT B

 

Compliance and Information Security
Addendum

 

	·	Approval
                                                                                                                                                   of
                                                                                                                                                   Customers
                                                                                                                                                   and
                                                                                                                                                   Materials.

 

		o	Customer
                                                                                                                                               Relationships.
                                                                                                                                               All
                                                                                                                                               types
                                                                                                                                               of
                                                                                                                                               proposed
                                                                                                                                               customer
                                                                                                                                               relationships
                                                                                                                                               must
                                                                                                                                               be
                                                                                                                                               submitted,
                                                                                                                                               in
                                                                                                                                               writing,
                                                                                                                                               to
                                                                                                                                               Comdata
                                                                                                                                               for
                                                                                                                                               Comdata’s
                                                                                                                                               prior
                                                                                                                                               approval
                                                                                                                                               before
                                                                                                                                               any
                                                                                                                                               Cards
                                                                                                                                               are
                                                                                                                                               issued
                                                                                                                                               to
                                                                                                                                               such
                                                                                                                                               category
                                                                                                                                               of
                                                                                                                                               Customer.
                                                                                                                                               Comdata
                                                                                                                                               or
                                                                                                                                               Issuing
                                                                                                                                               Bank
                                                                                                                                               may
                                                                                                                                               refuse
                                                                                                                                               to
                                                                                                                                               enter
                                                                                                                                               into
                                                                                                                                               any
                                                                                                                                               category
                                                                                                                                               of
                                                                                                                                               Customer
                                                                                                                                               relationship
                                                                                                                                               or
                                                                                                                                               any
                                                                                                                                               individual
                                                                                                                                               customer
                                                                                                                                               relationship
                                                                                                                                               as
                                                                                                                                               they
                                                                                                                                               determine
                                                                                                                                               in
                                                                                                                                               their
                                                                                                                                               respective
                                                                                                                                               commercially
                                                                                                                                               reasonable
                                                                                                                                               discretion
                                                                                                                                               that
                                                                                                                                               such
                                                                                                                                               Customer
                                                                                                                                               category
                                                                                                                                               represents
                                                                                                                                               or
                                                                                                                                               may
                                                                                                                                               represent
                                                                                                                                               an
                                                                                                                                               unreasonable
                                                                                                                                               risk
                                                                                                                                               (e.g.
                                                                                                                                               a
                                                                                                                                               Customer
                                                                                                                                               category
                                                                                                                                               may
                                                                                                                                               pose
                                                                                                                                               an
                                                                                                                                               increased
                                                                                                                                               risk
                                                                                                                                               of
                                                                                                                                               engaging
                                                                                                                                               in
                                                                                                                                               anti-money
                                                                                                                                               laundering,
                                                                                                                                               illicit
                                                                                                                                               activities,
                                                                                                                                               suspicious
                                                                                                                                               behavior,
                                                                                                                                               appears
                                                                                                                                               on
                                                                                                                                               a
                                                                                                                                               prohibited
                                                                                                                                               persons
                                                                                                                                               list,
                                                                                                                                               or
                                                                                                                                               is
                                                                                                                                               conducting
                                                                                                                                               business
                                                                                                                                               of
                                                                                                                                               the
                                                                                                                                               type
                                                                                                                                               appearing
                                                                                                                                               on
                                                                                                                                               the
                                                                                                                                               Prohibited
                                                                                                                                               Business
                                                                                                                                               list).
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               terminate
                                                                                                                                               any
                                                                                                                                               Customer
                                                                                                                                               relationship
                                                                                                                                               in
                                                                                                                                               the
                                                                                                                                               event
                                                                                                                                               that
                                                                                                                                               Comdata
                                                                                                                                               or
                                                                                                                                               Issuing
                                                                                                                                               Bank
                                                                                                                                               determine(s)
                                                                                                                                               in
                                                                                                                                               their
                                                                                                                                               respective
                                                                                                                                               commercially
                                                                                                                                               reasonable
                                                                                                                                               discretion
                                                                                                                                               that
                                                                                                                                               such
                                                                                                                                               Customer
                                                                                                                                               represents
                                                                                                                                               an
                                                                                                                                               unreasonable
                                                                                                                                               risk
                                                                                                                                               (e.g.
                                                                                                                                               a
                                                                                                                                               Customer
                                                                                                                                               is
                                                                                                                                               engaging
                                                                                                                                               in
                                                                                                                                               anti-money
                                                                                                                                               laundering,
                                                                                                                                               illicit
                                                                                                                                               activities,
                                                                                                                                               suspicious
                                                                                                                                               behavior,
                                                                                                                                               appears
                                                                                                                                               on
                                                                                                                                               a
                                                                                                                                               prohibited
                                                                                                                                               persons
                                                                                                                                               list,
                                                                                                                                               or
                                                                                                                                               is
                                                                                                                                               conducting
                                                                                                                                               business
                                                                                                                                               of
                                                                                                                                               the
                                                                                                                                               type
                                                                                                                                               appearing
                                                                                                                                               on
                                                                                                                                               the
                                                                                                                                               Prohibited
                                                                                                                                               Business
                                                                                                                                               list).

 

		o	Materials.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               submit
                                                                                                                                               forms
                                                                                                                                               and
                                                                                                                                               templates
                                                                                                                                               of
                                                                                                                                               all
                                                                                                                                               Card
                                                                                                                                               and
                                                                                                                                               Program
                                                                                                                                               marketing
                                                                                                                                               materials
                                                                                                                                               to
                                                                                                                                               Comdata
                                                                                                                                               for
                                                                                                                                               approval
                                                                                                                                               prior
                                                                                                                                               to
                                                                                                                                               use
                                                                                                                                               of
                                                                                                                                               any
                                                                                                                                               such
                                                                                                                                               materials.
                                                                                                                                               Greensky
                                                                                                                                               may
                                                                                                                                               not
                                                                                                                                               use
                                                                                                                                               materials
                                                                                                                                               that
                                                                                                                                               do
                                                                                                                                               not
                                                                                                                                               conform
                                                                                                                                               to
                                                                                                                                               the
                                                                                                                                               submitted
                                                                                                                                               and
                                                                                                                                               approved
                                                                                                                                               materials.
                                                                                                                                               Greensky
                                                                                                                                               must
                                                                                                                                               establish
                                                                                                                                               a
                                                                                                                                               written
                                                                                                                                               agreement
                                                                                                                                               with
                                                                                                                                               each
                                                                                                                                               Customer
                                                                                                                                               for
                                                                                                                                               the
                                                                                                                                               provision
                                                                                                                                               of
                                                                                                                                               services
                                                                                                                                               and
                                                                                                                                               the
                                                                                                                                               use
                                                                                                                                               of
                                                                                                                                               Cards
                                                                                                                                               (each,
                                                                                                                                               a
                                                                                                                                               “Customer
                                                                                                                                               Agreement).
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               use
                                                                                                                                               a
                                                                                                                                               Customer
                                                                                                                                               Agreement
                                                                                                                                               for
                                                                                                                                               each
                                                                                                                                               approved
                                                                                                                                               customer
                                                                                                                                               substantially
                                                                                                                                               in
                                                                                                                                               the
                                                                                                                                               form
                                                                                                                                               as
                                                                                                                                               attached
                                                                                                                                               as
                                                                                                                                               “Schedule
                                                                                                                                               1”
                                                                                                                                               to
                                                                                                                                               this
                                                                                                                                               Addendum,
                                                                                                                                               prior
                                                                                                                                               to
                                                                                                                                               the
                                                                                                                                               use
                                                                                                                                               of
                                                                                                                                               such
                                                                                                                                               Customer
                                                                                                                                               Agreement.
                                                                                                                                               Each
                                                                                                                                               Customer
                                                                                                                                               Agreement
                                                                                                                                               shall
                                                                                                                                               include
                                                                                                                                               any
                                                                                                                                               terms
                                                                                                                                               or
                                                                                                                                               provisions
                                                                                                                                               required
                                                                                                                                               by
                                                                                                                                               Comdata
                                                                                                                                               such
                                                                                                                                               as
                                                                                                                                               but
                                                                                                                                               not
                                                                                                                                               limited
                                                                                                                                               to
                                                                                                                                               provisions
                                                                                                                                               ensuring
                                                                                                                                               that
                                                                                                                                               proper
                                                                                                                                               procedures
                                                                                                                                               are
                                                                                                                                               included
                                                                                                                                               for
                                                                                                                                               lost/stolen
                                                                                                                                               Cards.
                                                                                                                                               If
                                                                                                                                               required
                                                                                                                                               by
                                                                                                                                               Issuing
                                                                                                                                               Bank,
                                                                                                                                               Issuing
                                                                                                                                               Bank
                                                                                                                                               shall
                                                                                                                                               be
                                                                                                                                               identified
                                                                                                                                               as
                                                                                                                                               the
                                                                                                                                               Card
                                                                                                                                               issuer
                                                                                                                                               on
                                                                                                                                               all
                                                                                                                                               Cards
                                                                                                                                               and
                                                                                                                                               in
                                                                                                                                               all
                                                                                                                                               Card
                                                                                                                                               and
                                                                                                                                               Program
                                                                                                                                               marketing
                                                                                                                                               materials.

 

		o	Marketing.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               market
                                                                                                                                               and
                                                                                                                                               administer
                                                                                                                                               the
                                                                                                                                               Program
                                                                                                                                               and
                                                                                                                                               the
                                                                                                                                               Cards
                                                                                                                                               in
                                                                                                                                               a
                                                                                                                                               manner
                                                                                                                                               which
                                                                                                                                               is
                                                                                                                                               consistent
                                                                                                                                               with
                                                                                                                                               Comdata
                                                                                                                                               and
                                                                                                                                               Issuing
                                                                                                                                               Bank’s
                                                                                                                                               standards
                                                                                                                                               and
                                                                                                                                               Applicable
                                                                                                                                               Laws.
                                                                                                                                               All
                                                                                                                                               forms
                                                                                                                                               of
                                                                                                                                               Program
                                                                                                                                               and
                                                                                                                                               Card
                                                                                                                                               marketing
                                                                                                                                               scripts
                                                                                                                                               (“Scripts”)
                                                                                                                                               and
                                                                                                                                               Program
                                                                                                                                               and
                                                                                                                                               Card
                                                                                                                                               marketing
                                                                                                                                               disclosure
                                                                                                                                               materials
                                                                                                                                               (“Disclosures”)
                                                                                                                                               (and
                                                                                                                                               any
                                                                                                                                               changes
                                                                                                                                               or
                                                                                                                                               alterations
                                                                                                                                               thereto)
                                                                                                                                               shall
                                                                                                                                               be
                                                                                                                                               submitted
                                                                                                                                               to
                                                                                                                                               Comdata
                                                                                                                                               on
                                                                                                                                               a
                                                                                                                                               quarterly
                                                                                                                                               basis
                                                                                                                                               upon
                                                                                                                                               request
                                                                                                                                               from
                                                                                                                                               Comdata
                                                                                                                                               for
                                                                                                                                               review,
                                                                                                                                               and
                                                                                                                                               Comdata
                                                                                                                                               shall
                                                                                                                                               have
                                                                                                                                               the
                                                                                                                                               right
                                                                                                                                               to
                                                                                                                                               refuse
                                                                                                                                               to
                                                                                                                                               allow
                                                                                                                                               Greensky
                                                                                                                                               to
                                                                                                                                               use
                                                                                                                                               such
                                                                                                                                               Scripts
                                                                                                                                               and
                                                                                                                                               Disclosures.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               require
                                                                                                                                               its
                                                                                                                                               employees
                                                                                                                                               to
                                                                                                                                               correctly
                                                                                                                                               use
                                                                                                                                               the
                                                                                                                                               Scripts
                                                                                                                                               and
                                                                                                                                               Disclosures.
                                                                                                                                               All
                                                                                                                                               Scripts
                                                                                                                                               and
                                                                                                                                               Disclosures
                                                                                                                                               must
                                                                                                                                               comply
                                                                                                                                               with
                                                                                                                                               Applicable
                                                                                                                                               Law.

 

		o	Call
                                                                                                                                               Recording.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               not
                                                                                                                                               conduct
                                                                                                                                               any
                                                                                                                                               Customer
                                                                                                                                               outbound
                                                                                                                                               telemarketing
                                                                                                                                               activities
                                                                                                                                               associated
                                                                                                                                               with
                                                                                                                                               the
                                                                                                                                               Program
                                                                                                                                               without
                                                                                                                                               the
                                                                                                                                               written
                                                                                                                                               consent
                                                                                                                                               of
                                                                                                                                               Comdata.

 

		o	Prohibited
                                                                                                                                               Business
                                                                                                                                               List.
                                                                                                                                               Greensky
                                                                                                                                               may
                                                                                                                                               not
                                                                                                                                               enter
                                                                                                                                               into
                                                                                                                                               a
                                                                                                                                               relationship
                                                                                                                                               with
                                                                                                                                               a
                                                                                                                                               business
                                                                                                                                               of
                                                                                                                                               the
                                                                                                                                               type
                                                                                                                                               listed
                                                                                                                                               on
                                                                                                                                               Comdata’s
                                                                                                                                               Prohibited
                                                                                                                                               Business
                                                                                                                                               List
                                                                                                                                               attached
                                                                                                                                               hereto
                                                                                                                                               as
                                                                                                                                               Schedule
                                                                                                                                               2.
                                                                                                                                               Comdata may revise such Prohibited Business
List from time to time. In the event that a Customer is found to be a type appearing on the Prohibited Business List, Greensky
shall terminate its relationship with such Customer within thirty (30) days. Any such failure to terminate shall be material breach
of the Agreement.

    	1

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

		o	Failure
                                                                                                                                               to
                                                                                                                                               Comply.
                                                                                                                                               In
                                                                                                                                               the
                                                                                                                                               event
                                                                                                                                               Greensky
                                                                                                                                               fails
                                                                                                                                               to
                                                                                                                                               comply
                                                                                                                                               with
                                                                                                                                               the
                                                                                                                                               obligations
                                                                                                                                               regarding
                                                                                                                                               approval
                                                                                                                                               of
                                                                                                                                               Customers
                                                                                                                                               and
                                                                                                                                               materials,
                                                                                                                                               Comdata
                                                                                                                                               may,
                                                                                                                                               in
                                                                                                                                               its
                                                                                                                                               sole
                                                                                                                                               discretion,
                                                                                                                                               assess
                                                                                                                                               the
                                                                                                                                               following
                                                                                                                                               fees,
                                                                                                                                               if
                                                                                                                                               Greensky
                                                                                                                                               does
                                                                                                                                               not
                                                                                                                                               cure
                                                                                                                                               such
                                                                                                                                               failure
                                                                                                                                               within
                                                                                                                                               eleven
                                                                                                                                               (11)
                                                                                                                                               business
                                                                                                                                               days
                                                                                                                                               of
                                                                                                                                               written
                                                                                                                                               notice
                                                                                                                                               of
                                                                                                                                               such
                                                                                                                                               failure
                                                                                                                                               by
                                                                                                                                               Comdata:
                                                                                                                                               1.5t
                                                                                                                                               offense
                                                                                                                                               -
                                                                                                                                               $5,000.00;
                                                                                                                                               2”
                                                                                                                                               offense
                                                                                                                                               $10,000.00;
                                                                                                                                               3rd
                                                                                                                                               offense
                                                                                                                                               -
                                                                                                                                               $15,000.00.
                                                                                                                                               Assessment
                                                                                                                                               of
                                                                                                                                               any
                                                                                                                                               such
                                                                                                                                               fee
                                                                                                                                               is
                                                                                                                                               not
                                                                                                                                               an
                                                                                                                                               election
                                                                                                                                               of
                                                                                                                                               remedies
                                                                                                                                               by
                                                                                                                                               Comdata
                                                                                                                                               and
                                                                                                                                               does
                                                                                                                                               not
                                                                                                                                               preclude
                                                                                                                                               the
                                                                                                                                               exercise
                                                                                                                                               of
                                                                                                                                               any
                                                                                                                                               other
                                                                                                                                               rights
                                                                                                                                               or
                                                                                                                                               remedies
                                                                                                                                               that
                                                                                                                                               may
                                                                                                                                               now
                                                                                                                                               or
                                                                                                                                               subsequently
                                                                                                                                               be
                                                                                                                                               available
                                                                                                                                               to
                                                                                                                                               Comdata
                                                                                                                                               at
                                                                                                                                               law,
                                                                                                                                               in
                                                                                                                                               equity,
                                                                                                                                               by
                                                                                                                                               statute,
                                                                                                                                               in
                                                                                                                                               any
                                                                                                                                               other
                                                                                                                                               agreement
                                                                                                                                               between
                                                                                                                                               the
                                                                                                                                               Parties
                                                                                                                                               or
                                                                                                                                               otherwise

 

	·	Financial
                                                                                                                                                   Information.
                                                                                                                                                   In
                                                                                                                                                   addition
                                                                                                                                                   to
                                                                                                                                                   any
                                                                                                                                                   requirements
                                                                                                                                                   set
                                                                                                                                                   forth
                                                                                                                                                   in
                                                                                                                                                   this
                                                                                                                                                   Agreement,
                                                                                                                                                   Greensky
                                                                                                                                                   shall,
                                                                                                                                                   upon
                                                                                                                                                   request,
                                                                                                                                                   provide
                                                                                                                                                   Comdata
                                                                                                                                                   with
                                                                                                                                                   Greensky’s
                                                                                                                                                   annual
                                                                                                                                                   SSAE
                                                                                                                                                   16
                                                                                                                                                   Type
                                                                                                                                                   II
                                                                                                                                                   report.
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   maintain
                                                                                                                                                   complete
                                                                                                                                                   and
                                                                                                                                                   accurate
                                                                                                                                                   accounting
                                                                                                                                                   records
                                                                                                                                                   related
                                                                                                                                                   to
                                                                                                                                                   this
                                                                                                                                                   Agreement
                                                                                                                                                   and
                                                                                                                                                   shall
                                                                                                                                                   maintain
                                                                                                                                                   such
                                                                                                                                                   records
                                                                                                                                                   for
                                                                                                                                                   a
                                                                                                                                                   period
                                                                                                                                                   of
                                                                                                                                                   no
                                                                                                                                                   less
                                                                                                                                                   than
                                                                                                                                                   two
                                                                                                                                                   (2)
                                                                                                                                                   years
                                                                                                                                                   following
                                                                                                                                                   termination
                                                                                                                                                   of
                                                                                                                                                   the
                                                                                                                                                   Agreement.

 

	·	Audit.
                                                                                                                                                   Comdata
                                                                                                                                                   or
                                                                                                                                                   Issuing
                                                                                                                                                   Bank
                                                                                                                                                   and
                                                                                                                                                   the
                                                                                                                                                   government
                                                                                                                                                   agencies
                                                                                                                                                   that
                                                                                                                                                   regulate
                                                                                                                                                   Comdata
                                                                                                                                                   or
                                                                                                                                                   Issuing
                                                                                                                                                   Bank
                                                                                                                                                   may
                                                                                                                                                   at
                                                                                                                                                   any
                                                                                                                                                   time
                                                                                                                                                   and
                                                                                                                                                   upon
                                                                                                                                                   reasonable
                                                                                                                                                   prior
                                                                                                                                                   written
                                                                                                                                                   notice
                                                                                                                                                   audit
                                                                                                                                                   and
                                                                                                                                                   examine
                                                                                                                                                   Greensky’s
                                                                                                                                                   compliance
                                                                                                                                                   under
                                                                                                                                                   the
                                                                                                                                                   Agreement
                                                                                                                                                   which
                                                                                                                                                   may
                                                                                                                                                   include
                                                                                                                                                   access
                                                                                                                                                   to
                                                                                                                                                   Greensky’s
                                                                                                                                                   premises
                                                                                                                                                   or
                                                                                                                                                   facilities.
                                                                                                                                                   If
                                                                                                                                                   any
                                                                                                                                                   such
                                                                                                                                                   audit
                                                                                                                                                   results
                                                                                                                                                   in
                                                                                                                                                   Greensky
                                                                                                                                                   being
                                                                                                                                                   notified
                                                                                                                                                   that
                                                                                                                                                   it
                                                                                                                                                   or
                                                                                                                                                   any
                                                                                                                                                   of
                                                                                                                                                   the
                                                                                                                                                   Customers
                                                                                                                                                   is
                                                                                                                                                   not
                                                                                                                                                   in
                                                                                                                                                   compliance
                                                                                                                                                   with
                                                                                                                                                   any
                                                                                                                                                   Applicable
                                                                                                                                                   Law
                                                                                                                                                   or
                                                                                                                                                   a
                                                                                                                                                   representation,
                                                                                                                                                   warranty
                                                                                                                                                   or
                                                                                                                                                   covenant
                                                                                                                                                   of
                                                                                                                                                   this
                                                                                                                                                   Agreement,
                                                                                                                                                   then
                                                                                                                                                   Greensky
                                                                                                                                                   will,
                                                                                                                                                   at
                                                                                                                                                   no
                                                                                                                                                   cost
                                                                                                                                                   to
                                                                                                                                                   Comdata,
                                                                                                                                                   promptly
                                                                                                                                                   take
                                                                                                                                                   (or
                                                                                                                                                   cause
                                                                                                                                                   its
                                                                                                                                                   Customer(s)
                                                                                                                                                   to
                                                                                                                                                   take)
                                                                                                                                                   any
                                                                                                                                                   and
                                                                                                                                                   all
                                                                                                                                                   actions
                                                                                                                                                   necessary
                                                                                                                                                   to
                                                                                                                                                   cause
                                                                                                                                                   compliance.

 

	·	Insurance.
                                                                                                                                                   Unless
                                                                                                                                                   otherwise
                                                                                                                                                   agreed
                                                                                                                                                   by
                                                                                                                                                   Comdata,
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   maintain
                                                                                                                                                   insurance
                                                                                                                                                   of
                                                                                                                                                   the
                                                                                                                                                   types
                                                                                                                                                   and
                                                                                                                                                   in
                                                                                                                                                   the
                                                                                                                                                   MINIMUM
                                                                                                                                                   amounts
                                                                                                                                                   set
                                                                                                                                                   forth
                                                                                                                                                   below.
                                                                                                                                                   All
                                                                                                                                                   policies
                                                                                                                                                   described
                                                                                                                                                   below
                                                                                                                                                   will
                                                                                                                                                   be
                                                                                                                                                   written
                                                                                                                                                   by
                                                                                                                                                   insurance
                                                                                                                                                   companies
                                                                                                                                                   that
                                                                                                                                                   are
                                                                                                                                                   properly
                                                                                                                                                   licensed
                                                                                                                                                   in
                                                                                                                                                   all
                                                                                                                                                   applicable
                                                                                                                                                   jurisdictions
                                                                                                                                                   with
                                                                                                                                                   a
                                                                                                                                                   minimum
                                                                                                                                                   A.M.
                                                                                                                                                   Best
                                                                                                                                                   rating
                                                                                                                                                   of
                                                                                                                                                   A
                                                                                                                                                   -
                                                                                                                                                   (A
                                                                                                                                                   minus)
                                                                                                                                                   and
                                                                                                                                                   a
                                                                                                                                                   minimum
                                                                                                                                                   A.
                                                                                                                                                   M.
                                                                                                                                                   Best
                                                                                                                                                   Financial
                                                                                                                                                   Size
                                                                                                                                                   Rating
                                                                                                                                                   of
                                                                                                                                                   “VII”.
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   provide
                                                                                                                                                   certificates
                                                                                                                                                   of
                                                                                                                                                   insurance
                                                                                                                                                   to
                                                                                                                                                   Comdata
                                                                                                                                                   annually
                                                                                                                                                   and
                                                                                                                                                   upon
                                                                                                                                                   request.
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   provide
                                                                                                                                                   thirty
                                                                                                                                                   (30)
                                                                                                                                                   days
                                                                                                                                                   written
                                                                                                                                                   notice
                                                                                                                                                   to
                                                                                                                                                   Comdata
                                                                                                                                                   prior
                                                                                                                                                   to
                                                                                                                                                   the
                                                                                                                                                   cancellation,
                                                                                                                                                   non-renewal
                                                                                                                                                   or
                                                                                                                                                   material
                                                                                                                                                   change
                                                                                                                                                   of
                                                                                                                                                   any
                                                                                                                                                   insurance
                                                                                                                                                   required
                                                                                                                                                   in
                                                                                                                                                   this
                                                                                                                                                   Agreement.
                                                                                                                                                   Umbrella
                                                                                                                                                   Liability
                                                                                                                                                   Insurance
                                                                                                                                                   may
                                                                                                                                                   be
                                                                                                                                                   purchased
                                                                                                                                                   and
                                                                                                                                                   maintained
                                                                                                                                                   by
                                                                                                                                                   Greensky
                                                                                                                                                   in
                                                                                                                                                   order
                                                                                                                                                   to
                                                                                                                                                   satisfy
                                                                                                                                                   the
                                                                                                                                                   limits
                                                                                                                                                   of
                                                                                                                                                   liability
                                                                                                                                                   required
                                                                                                                                                   in
                                                                                                                                                   this
                                                                                                                                                   Agreement,
                                                                                                                                                   and
                                                                                                                                                   Comdata
                                                                                                                                                   and
                                                                                                                                                   Issuing
                                                                                                                                                   Bank
                                                                                                                                                   shall
                                                                                                                                                   be
                                                                                                                                                   named
                                                                                                                                                   as
                                                                                                                                                   additional
                                                                                                                                                   insureds
                                                                                                                                                   on
                                                                                                                                                   such
                                                                                                                                                   policy.

 

		o	Crime
                                                                                                                                               Insurance,
                                                                                                                                               including
                                                                                                                                               employee
                                                                                                                                               dishonesty
                                                                                                                                               and
                                                                                                                                               computer
                                                                                                                                               fraud
                                                                                                                                               coverage,
                                                                                                                                               for
                                                                                                                                               losses
                                                                                                                                               arising
                                                                                                                                               out
                                                                                                                                               of
                                                                                                                                               the
                                                                                                                                               dishonest
                                                                                                                                               acts
                                                                                                                                               committed
                                                                                                                                               by
                                                                                                                                               the
                                                                                                                                               employees,
                                                                                                                                               officers,
                                                                                                                                               of
                                                                                                                                               Greensky,
                                                                                                                                               with
                                                                                                                                               coverage
                                                                                                                                               in
                                                                                                                                               a
                                                                                                                                               minimum
                                                                                                                                               amount
                                                                                                                                               of
                                                                                                                                               ONE
                                                                                                                                               MILLION
                                                                                                                                               DOLLARS
                                                                                                                                               ($1,000,000)
                                                                                                                                               on
                                                                                                                                               a
                                                                                                                                               per
                                                                                                                                               occurrence
                                                                                                                                               basis.

 

		o	Commercial
                                                                                                                                               General
                                                                                                                                               Liability
                                                                                                                                               Insurance
                                                                                                                                               with
                                                                                                                                               a
                                                                                                                                               limit
                                                                                                                                               not
                                                                                                                                               less
                                                                                                                                               than
                                                                                                                                               FIVE
                                                                                                                                               MILLION
                                                                                                                                               DOLLARS
                                                                                                                                               ($
                                                                                                                                               5,000,000)
                                                                                                                                               on
                                                                                                                                               a
                                                                                                                                               per
                                                                                                                                               occurrence
                                                                                                                                               basis.
                                                                                                                                               Commercial
                                                                                                                                               general
                                                                                                                                               liability
                                                                                                                                               insurance
                                                                                                                                               shall
                                                                                                                                               be
                                                                                                                                               written
                                                                                                                                               on
                                                                                                                                               the
                                                                                                                                               current
                                                                                                                                               version
                                                                                                                                               of
                                                                                                                                               ISO
                                                                                                                                               occurrence
                                                                                                                                               form
                                                                                                                                               CG
                                                                                                                                               00
                                                                                                                                               01,
                                                                                                                                               or
                                                                                                                                               substitute
                                                                                                                                               form
                                                                                                                                               providing
                                                                                                                                               equivalent
                                                                                                                                               coverage,
                                                                                                                                               and
                                                                                                                                               shall
                                                                                                                                               cover
                                                                                                                                               liability
                                                                                                                                               arising
                                                                                                                                               from
                                                                                                                                               premises,
                                                                                                                                               operations,
                                                                                                                                               independent
                                                                                                                                               contractors,
                                                                                                                                               products-completed
                                                                                                                                               operations,
                                                                                                                                               personal
                                                                                                                                               and
                                                                                                                                               advertising
                                                                                                                                               injury,
                                                                                                                                               and
                                                                                                                                               liability
                                                                                                                                               assumed
                                                                                                                                               under
                                                                                                                                               an
                                                                                                                                               insured
                                                                                                                                               contract,
                                                                                                                                               including
                                                                                                                                               the
                                                                                                                                               tort
                                                                                                                                               liability
                                                                                                                                               of
                                                                                                                                               another
                                                                                                                                               assumed
                                                                                                                                               in
                                                                                                                                               a
                                                                                                                                               business
                                                                                                                                               contract.
                                                                                                                                               Comdata
                                                                                                                                               and
                                                                                                                                               Issuing
                                                                                                                                               Bank
                                                                                                                                               shall
                                                                                                                                               be
                                                                                                                                               named
                                                                                                                                               as
                                                                                                                                               additional
                                                                                                                                               insured
                                                                                                                                               on
                                                                                                                                               such
                                                                                                                                               policy
                                                                                                                                               as
                                                                                                                                               such
                                                                                                                                               relates
                                                                                                                                               to
                                                                                                                                               any
                                                                                                                                               liability
                                                                                                                                               or
                                                                                                                                               potential
                                                                                                                                               liability
                                                                                                                                               arising
                                                                                                                                               out
                                                                                                                                               of
                                                                                                                                               or
                                                                                                                                               related
                                                                                                                                               to
                                                                                                                                               this Agreement. Greensky shall maintain
such Commercial General Liability Insurance during the Term of this Agreement and for a period of one (1) year thereafter.

 

		o	Professional
                                                                                                                                               Liability
                                                                                                                                               Insurance
                                                                                                                                               appropriate
                                                                                                                                               to
                                                                                                                                               Greensky’s
                                                                                                                                               profession
                                                                                                                                               with
                                                                                                                                               a
                                                                                                                                               limit
                                                                                                                                               of
                                                                                                                                               not
                                                                                                                                               less
                                                                                                                                               than
                                                                                                                                               THREE
                                                                                                                                               MILLION
                                                                                                                                               DOLLARS
                                                                                                                                               ($3,000,000)
                                                                                                                                               per
                                                                                                                                               loss.
                                                                                                                                               Coverage
                                                                                                                                               shall
                                                                                                                                               apply
                                                                                                                                               to
                                                                                                                                               liability

    	2

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

	 	 	for
                                                                                                                                               a
                                                                                                                                               professional
                                                                                                                                               error,
                                                                                                                                               act
                                                                                                                                               or
                                                                                                                                               omission
                                                                                                                                               arising
                                                                                                                                               out
                                                                                                                                               of
                                                                                                                                               the
                                                                                                                                               scope
                                                                                                                                               of
                                                                                                                                               Greensky’s
                                                                                                                                               services
                                                                                                                                               as
                                                                                                                                               defined
                                                                                                                                               in
                                                                                                                                               this
                                                                                                                                               Agreement.
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               maintain
                                                                                                                                               such
                                                                                                                                               Professional
                                                                                                                                               Liability
                                                                                                                                               Insurance
                                                                                                                                               during
                                                                                                                                               the
                                                                                                                                               Term
                                                                                                                                               of
                                                                                                                                               this
                                                                                                                                               Agreement
                                                                                                                                               and
                                                                                                                                               for
                                                                                                                                               a
                                                                                                                                               period
                                                                                                                                               of
                                                                                                                                               one
                                                                                                                                               (1)
                                                                                                                                               year
                                                                                                                                               thereafter.

 

	·	Compliance
                                                                                                                                                   with
                                                                                                                                                   Applicable
                                                                                                                                                   Laws.

 

		o	Applicable
                                                                                                                                               Laws.

 

		§	Greensky
                                                                                                                                                     shall
                                                                                                                                                     comply
                                                                                                                                                     with
                                                                                                                                                     all
                                                                                                                                                     Applicable
                                                                                                                                                     Laws
                                                                                                                                                     with
                                                                                                                                                     respect
                                                                                                                                                     to
                                                                                                                                                     its
                                                                                                                                                     obligations
                                                                                                                                                     and
                                                                                                                                                     role
                                                                                                                                                     in
                                                                                                                                                     connection
                                                                                                                                                     with
                                                                                                                                                     each
                                                                                                                                                     Program
                                                                                                                                                     and
                                                                                                                                                     its
                                                                                                                                                     actions
                                                                                                                                                     under
                                                                                                                                                     this
                                                                                                                                                     Agreement.
                                                                                                                                                     Furthermore,
                                                                                                                                                     Greensky
                                                                                                                                                     shall
                                                                                                                                                     not
                                                                                                                                                     act
                                                                                                                                                     in
                                                                                                                                                     a
                                                                                                                                                     manner
                                                                                                                                                     that
                                                                                                                                                     would
                                                                                                                                                     cause
                                                                                                                                                     Comdata
                                                                                                                                                     to
                                                                                                                                                     be
                                                                                                                                                     in
                                                                                                                                                     violation
                                                                                                                                                     of
                                                                                                                                                     Applicable
                                                                                                                                                     Laws.
                                                                                                                                                     Greensky
                                                                                                                                                     shall
                                                                                                                                                     cooperate
                                                                                                                                                     and
                                                                                                                                                     provide
                                                                                                                                                     all
                                                                                                                                                     documentation,
                                                                                                                                                     information,
                                                                                                                                                     and
                                                                                                                                                     assistance
                                                                                                                                                     as
                                                                                                                                                     reasonably
                                                                                                                                                     required
                                                                                                                                                     by
                                                                                                                                                     Comdata
                                                                                                                                                     for
                                                                                                                                                     compliance
                                                                                                                                                     with
                                                                                                                                                     Applicable
                                                                                                                                                     Laws
                                                                                                                                                     including
                                                                                                                                                     but
                                                                                                                                                     not
                                                                                                                                                     limited
                                                                                                                                                     to
                                                                                                                                                     such
                                                                                                                                                     information
                                                                                                                                                     and
                                                                                                                                                     reasonable
                                                                                                                                                     assistance
                                                                                                                                                     as
                                                                                                                                                     may
                                                                                                                                                     be
                                                                                                                                                     necessary
                                                                                                                                                     for
                                                                                                                                                     Comdata
                                                                                                                                                     or
                                                                                                                                                     a
                                                                                                                                                     regulatory
                                                                                                                                                     authority
                                                                                                                                                     to
                                                                                                                                                     confirm
                                                                                                                                                     legal
                                                                                                                                                     or
                                                                                                                                                     regulatory
                                                                                                                                                     compliance.
                                                                                                                                                     For
                                                                                                                                                     the
                                                                                                                                                     purposes
                                                                                                                                                     of
                                                                                                                                                     this
                                                                                                                                                     Agreement,
                                                                                                                                                     “Applicable
                                                                                                                                                     Laws”
                                                                                                                                                     means
                                                                                                                                                     the
                                                                                                                                                     following,
                                                                                                                                                     as
                                                                                                                                                     in
                                                                                                                                                     effect
                                                                                                                                                     from
                                                                                                                                                     time
                                                                                                                                                     to
                                                                                                                                                     time:
                                                                                                                                                     (i)
                                                                                                                                                     any
                                                                                                                                                     and
                                                                                                                                                     all
                                                                                                                                                     applicable
                                                                                                                                                     federal,
                                                                                                                                                     state,
                                                                                                                                                     provincial
                                                                                                                                                     and
                                                                                                                                                     local
                                                                                                                                                     laws,
                                                                                                                                                     statutes,
                                                                                                                                                     ordinances,
                                                                                                                                                     orders,
                                                                                                                                                     codes,
                                                                                                                                                     rules,
                                                                                                                                                     regulatory
                                                                                                                                                     guidance,
                                                                                                                                                     regulations
                                                                                                                                                     or
                                                                                                                                                     other
                                                                                                                                                     requirements
                                                                                                                                                     having
                                                                                                                                                     the
                                                                                                                                                     force
                                                                                                                                                     of
                                                                                                                                                     law
                                                                                                                                                     that
                                                                                                                                                     govern
                                                                                                                                                     or
                                                                                                                                                     affect
                                                                                                                                                     this
                                                                                                                                                     Agreement
                                                                                                                                                     or
                                                                                                                                                     the
                                                                                                                                                     subject
                                                                                                                                                     matter
                                                                                                                                                     hereof;
                                                                                                                                                     (ii)
                                                                                                                                                     any
                                                                                                                                                     and
                                                                                                                                                     all
                                                                                                                                                     supervisory
                                                                                                                                                     directives,
                                                                                                                                                     policies,
                                                                                                                                                     practices,
                                                                                                                                                     protocols,
                                                                                                                                                     standards
                                                                                                                                                     and
                                                                                                                                                     guidance
                                                                                                                                                     of
                                                                                                                                                     regulators
                                                                                                                                                     having
                                                                                                                                                     jurisdiction
                                                                                                                                                     over
                                                                                                                                                     the
                                                                                                                                                     Bank
                                                                                                                                                     governing
                                                                                                                                                     or
                                                                                                                                                     affecting
                                                                                                                                                     this
                                                                                                                                                     Agreement,
                                                                                                                                                     or
                                                                                                                                                     the
                                                                                                                                                     subject
                                                                                                                                                     matter
                                                                                                                                                     hereof;
                                                                                                                                                     (iii)
                                                                                                                                                     any
                                                                                                                                                     and
                                                                                                                                                     all
                                                                                                                                                     directives,
                                                                                                                                                     policies,
                                                                                                                                                     practices,
                                                                                                                                                     protocols,
                                                                                                                                                     codes,
                                                                                                                                                     standards
                                                                                                                                                     and
                                                                                                                                                     guidance
                                                                                                                                                     of
                                                                                                                                                     regulators
                                                                                                                                                     which,
                                                                                                                                                     although
                                                                                                                                                     not
                                                                                                                                                     necessarily
                                                                                                                                                     having
                                                                                                                                                     force
                                                                                                                                                     of
                                                                                                                                                     law,
                                                                                                                                                     is
                                                                                                                                                     regarded
                                                                                                                                                     by
                                                                                                                                                     such
                                                                                                                                                     regulator
                                                                                                                                                     as
                                                                                                                                                     requiring
                                                                                                                                                     compliance
                                                                                                                                                     as
                                                                                                                                                     if
                                                                                                                                                     they
                                                                                                                                                     had
                                                                                                                                                     force
                                                                                                                                                     of
                                                                                                                                                     law;
                                                                                                                                                     and
                                                                                                                                                     (iv)
                                                                                                                                                     any
                                                                                                                                                     and
                                                                                                                                                     all
                                                                                                                                                     bylaws,
                                                                                                                                                     rules,
                                                                                                                                                     operating
                                                                                                                                                     regulation,
                                                                                                                                                     guidelines,
                                                                                                                                                     requirements,
                                                                                                                                                     standards,
                                                                                                                                                     or
                                                                                                                                                     mandates
                                                                                                                                                     of
                                                                                                                                                     any
                                                                                                                                                     kind
                                                                                                                                                     promulgated
                                                                                                                                                     from
                                                                                                                                                     time
                                                                                                                                                     to
                                                                                                                                                     time
                                                                                                                                                     by
                                                                                                                                                     any
                                                                                                                                                     payment
                                                                                                                                                     network
                                                                                                                                                     such
                                                                                                                                                     as
                                                                                                                                                     but
                                                                                                                                                     not
                                                                                                                                                     limited
                                                                                                                                                     to
                                                                                                                                                     MasterCard
                                                                                                                                                     that
                                                                                                                                                     are
                                                                                                                                                     communicated
                                                                                                                                                     by
                                                                                                                                                     Comdata
                                                                                                                                                     to
                                                                                                                                                     Greensky.

 

		§	Greensky
                                                                                                                                                     acknowledges
                                                                                                                                                     that
                                                                                                                                                     Comdata
                                                                                                                                                     and
                                                                                                                                                     Issuing
                                                                                                                                                     Bank
                                                                                                                                                     are
                                                                                                                                                     subject
                                                                                                                                                     to
                                                                                                                                                     examination
                                                                                                                                                     and
                                                                                                                                                     audit
                                                                                                                                                     by
                                                                                                                                                     regulatory
                                                                                                                                                     agencies.
                                                                                                                                                     Greensky
                                                                                                                                                     agrees
                                                                                                                                                     to
                                                                                                                                                     cooperate
                                                                                                                                                     fully
                                                                                                                                                     with
                                                                                                                                                     respect
                                                                                                                                                     to
                                                                                                                                                     examinations,
                                                                                                                                                     audits,
                                                                                                                                                     and
                                                                                                                                                     investigations
                                                                                                                                                     by
                                                                                                                                                     MasterCard
                                                                                                                                                     and/or
                                                                                                                                                     federal
                                                                                                                                                     and
                                                                                                                                                     state
                                                                                                                                                     regulatory
                                                                                                                                                     agencies
                                                                                                                                                     having
                                                                                                                                                     supervision
                                                                                                                                                     over
                                                                                                                                                     Comdata
                                                                                                                                                     and/or
                                                                                                                                                     Issuing
                                                                                                                                                     Bank
                                                                                                                                                     including
                                                                                                                                                     but
                                                                                                                                                     not
                                                                                                                                                     limited
                                                                                                                                                     to
                                                                                                                                                     access
                                                                                                                                                     to
                                                                                                                                                     facilities,
                                                                                                                                                     systems,
                                                                                                                                                     and
                                                                                                                                                     records.

 

		§	Greensky
                                                                                                                                                     shall
                                                                                                                                                     immediately
                                                                                                                                                     notify
                                                                                                                                                     Comdata
                                                                                                                                                     of
                                                                                                                                                     any
                                                                                                                                                     formal
                                                                                                                                                     or
                                                                                                                                                     informal
                                                                                                                                                     request
                                                                                                                                                     by
                                                                                                                                                     any
                                                                                                                                                     governmental
                                                                                                                                                     agencies
                                                                                                                                                     to
                                                                                                                                                     examine
                                                                                                                                                     records
                                                                                                                                                     pertaining
                                                                                                                                                     to
                                                                                                                                                     this
                                                                                                                                                     Agreement.

 

		o	UDAAP.
                                                                                                                                               Greensky
                                                                                                                                               must
                                                                                                                                               implement
                                                                                                                                               and
                                                                                                                                               maintain
                                                                                                                                               policies
                                                                                                                                               and
                                                                                                                                               procedures
                                                                                                                                               sufficient
                                                                                                                                               to
                                                                                                                                               prevent
                                                                                                                                               Greensky
                                                                                                                                               or
                                                                                                                                               its
                                                                                                                                               employees
                                                                                                                                               from
                                                                                                                                               engaging
                                                                                                                                               in
                                                                                                                                               unfair,
                                                                                                                                               deceptive
                                                                                                                                               or
                                                                                                                                               abusive
                                                                                                                                               acts
                                                                                                                                               or
                                                                                                                                               practices
                                                                                                                                               (the
                                                                                                                                               “UDAAP
                                                                                                                                               Policy”).
                                                                                                                                               Greensky
                                                                                                                                               shall
                                                                                                                                               provide
                                                                                                                                               its
                                                                                                                                               UDAAP
                                                                                                                                               Policy
                                                                                                                                               to
                                                                                                                                               Comdata
                                                                                                                                               upon
                                                                                                                                               request
                                                                                                                                               and
                                                                                                                                               shall
                                                                                                                                               make
                                                                                                                                               any
                                                                                                                                               changes
                                                                                                                                               reasonably
                                                                                                                                               requested
                                                                                                                                               by
                                                                                                                                               Comdata.
                                                                                                                                               The
                                                                                                                                               UDAAP
                                                                                                                                               Policy
                                                                                                                                               must
                                                                                                                                               provide
                                                                                                                                               for:

 

		§	Training
                                                                                                                                                     to
                                                                                                                                                     its
                                                                                                                                                     employees
                                                                                                                                                     on
                                                                                                                                                     at
                                                                                                                                                     least
                                                                                                                                                     an
                                                                                                                                                     annual
                                                                                                                                                     basis.

 

		§	Establishment
                                                                                                                                                     of
                                                                                                                                                     a
                                                                                                                                                     complaint
                                                                                                                                                     management
                                                                                                                                                     system
                                                                                                                                                     and
                                                                                                                                                     procedures
                                                                                                                                                     (a
                                                                                                                                                     “Complaint
                                                                                                                                                     Policy”)
                                                                                                                                                     that
                                                                                                                                                     provides
                                                                                                                                                     for
                                                                                                                                                     monitoring,
                                                                                                                                                     documenting,
                                                                                                                                                     and
                                                                                                                                                     resolving
                                                                                                                                                     complaints
                                                                                                                                                     alleging
                                                                                                                                                     unfairness
                                                                                                                                                     or
                                                                                                                                                     abuse.

    	3

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

	 	 	 
		§	Follow-up
                                                                                                                                                     to
                                                                                                                                                     ensure
                                                                                                                                                     the
                                                                                                                                                     resolution
                                                                                                                                                     occurs.

 

		§	Upon
                                                                                                                                                     request
                                                                                                                                                     by
                                                                                                                                                     Comdata,
                                                                                                                                                     provide
                                                                                                                                                     Comdata
                                                                                                                                                     with
                                                                                                                                                     mutually
                                                                                                                                                     agreed
                                                                                                                                                     upon
                                                                                                                                                     reporting
                                                                                                                                                     regarding
                                                                                                                                                     the
                                                                                                                                                     types
                                                                                                                                                     and
                                                                                                                                                     substance
                                                                                                                                                     of
                                                                                                                                                     complaints
                                                                                                                                                     (as
                                                                                                                                                     defined
                                                                                                                                                     under
                                                                                                                                                     the
                                                                                                                                                     approved
                                                                                                                                                     Complaint
                                                                                                                                                     Policy)
                                                                                                                                                     and
                                                                                                                                                     the
                                                                                                                                                     associated
                                                                                                                                                     forms
                                                                                                                                                     of
                                                                                                                                                     resolution
                                                                                                                                                     in
                                                                                                                                                     order
                                                                                                                                                     to
                                                                                                                                                     determine
                                                                                                                                                     if
                                                                                                                                                     trends
                                                                                                                                                     exist
                                                                                                                                                     or
                                                                                                                                                     are
                                                                                                                                                     developing.

 

		§	Record
                                                                                                                                                     contact
                                                                                                                                                     center
                                                                                                                                                     support
                                                                                                                                                     calls
                                                                                                                                                     and
                                                                                                                                                     to
                                                                                                                                                     allow
                                                                                                                                                     review
                                                                                                                                                     by
                                                                                                                                                     Comdata
                                                                                                                                                     andjor
                                                                                                                                                     Issuing
                                                                                                                                                     Bank
                                                                                                                                                     upon
                                                                                                                                                     request
                                                                                                                                                     consistent
                                                                                                                                                     with
                                                                                                                                                     Greensky’s
                                                                                                                                                     contractual
                                                                                                                                                     obligations
                                                                                                                                                     to
                                                                                                                                                     its
                                                                                                                                                     Funding
                                                                                                                                                     Banks
                                                                                                                                                     and
                                                                                                                                                     its
                                                                                                                                                     legal
                                                                                                                                                     obligations
                                                                                                                                                     under
                                                                                                                                                     Applicable
                                                                                                                                                     Law.

 

		§	Ensure
                                                                                                                                                     all
                                                                                                                                                     marketing
                                                                                                                                                     and
                                                                                                                                                     advertising
                                                                                                                                                     materials
                                                                                                                                                     comply
                                                                                                                                                     with
                                                                                                                                                     all
                                                                                                                                                     UDAAP
                                                                                                                                                     requirements,
                                                                                                                                                     including
                                                                                                                                                     but
                                                                                                                                                     not
                                                                                                                                                     limited
                                                                                                                                                     to,
                                                                                                                                                     ensuring
                                                                                                                                                     materials
                                                                                                                                                     have
                                                                                                                                                     a
                                                                                                                                                     reasonable
                                                                                                                                                     factual
                                                                                                                                                     basis
                                                                                                                                                     for
                                                                                                                                                     all
                                                                                                                                                     representations.

 

		§	Provide
                                                                                                                                                     Customers
                                                                                                                                                     with
                                                                                                                                                     a
                                                                                                                                                     written
                                                                                                                                                     response
                                                                                                                                                     to
                                                                                                                                                     and
                                                                                                                                                     proposed
                                                                                                                                                     resolution
                                                                                                                                                     of
                                                                                                                                                     all
                                                                                                                                                     non-regulatory
                                                                                                                                                     complaints
                                                                                                                                                     within
                                                                                                                                                     fifteen
                                                                                                                                                     calendar
                                                                                                                                                     days.

 

		§	Promptly
                                                                                                                                                     notifying
                                                                                                                                                     Comdata
                                                                                                                                                     of
                                                                                                                                                     any
                                                                                                                                                     complaint
                                                                                                                                                     related
                                                                                                                                                     to
                                                                                                                                                     the
                                                                                                                                                     Program
                                                                                                                                                     that
                                                                                                                                                     involves,
                                                                                                                                                     is
                                                                                                                                                     received
                                                                                                                                                     from,
                                                                                                                                                     or
                                                                                                                                                     is
                                                                                                                                                     initiated
                                                                                                                                                     by
                                                                                                                                                     a
                                                                                                                                                     regulatory
                                                                                                                                                     agency
                                                                                                                                                     or
                                                                                                                                                     government
                                                                                                                                                     body
                                                                                                                                                     such
                                                                                                                                                     as
                                                                                                                                                     a
                                                                                                                                                     State
                                                                                                                                                     Attorney
                                                                                                                                                     General
                                                                                                                                                     or
                                                                                                                                                     the
                                                                                                                                                     Consumer
                                                                                                                                                     Financial
                                                                                                                                                     Protection
                                                                                                                                                     Bureau
                                                                                                                                                     (a
                                                                                                                                                     “regulatory
                                                                                                                                                     complaint”)
                                                                                                                                                     as
                                                                                                                                                     soon
                                                                                                                                                     as
                                                                                                                                                     commercially
                                                                                                                                                     feasible
                                                                                                                                                     following
                                                                                                                                                     receipt
                                                                                                                                                     of
                                                                                                                                                     the
                                                                                                                                                     regulatory
                                                                                                                                                     complaint.
                                                                                                                                                     All
                                                                                                                                                     such
                                                                                                                                                     regulatory
                                                                                                                                                     complaints
                                                                                                                                                     shall
                                                                                                                                                     be
                                                                                                                                                     responded
                                                                                                                                                     to
                                                                                                                                                     as
                                                                                                                                                     soon
                                                                                                                                                     as
                                                                                                                                                     commercially
                                                                                                                                                     feasible,
                                                                                                                                                     but
                                                                                                                                                     in
                                                                                                                                                     no
                                                                                                                                                     event
                                                                                                                                                     later
                                                                                                                                                     than
                                                                                                                                                     the
                                                                                                                                                     time
                                                                                                                                                     limit
                                                                                                                                                     imposed
                                                                                                                                                     by
                                                                                                                                                     the
                                                                                                                                                     regulatory
                                                                                                                                                     agency
                                                                                                                                                     or
                                                                                                                                                     government
                                                                                                                                                     body.

 

		§	Compliance
                                                                                                                                                     Training.
                                                                                                                                                     Greensky
                                                                                                                                                     shall
                                                                                                                                                     provide
                                                                                                                                                     information
                                                                                                                                                     to
                                                                                                                                                     Comdata
                                                                                                                                                     upon
                                                                                                                                                     request
                                                                                                                                                     regarding
                                                                                                                                                     Greensky’s
                                                                                                                                                     compliance
                                                                                                                                                     training
                                                                                                                                                     including:

 

		§	Estimate
                                                                                                                                                     of
                                                                                                                                                     amounts
                                                                                                                                                     spent
                                                                                                                                                     and
                                                                                                                                                     percentage
                                                                                                                                                     of
                                                                                                                                                     overall
                                                                                                                                                     operating
                                                                                                                                                     budget

 

		§	Names
                                                                                                                                                     and
                                                                                                                                                     locations
                                                                                                                                                     third-parties
                                                                                                                                                     used
                                                                                                                                                     for
                                                                                                                                                     compliance
                                                                                                                                                     training;
                                                                                                                                                     and

 

		§	Dates
                                                                                                                                                     of
                                                                                                                                                     training
                                                                                                                                                     (internal
                                                                                                                                                     or
                                                                                                                                                     third-party),
                                                                                                                                                     attendees
                                                                                                                                                     and
                                                                                                                                                     general
                                                                                                                                                     descriptions
                                                                                                                                                     of
                                                                                                                                                     topics
                                                                                                                                                     covered
                                                                                                                                                     and
                                                                                                                                                     support
                                                                                                                                                     materials
                                                                                                                                                     used.

 

Greensky must perform annual
information security and privacy awareness training for all employees, contractors or temporary workers.

 

	·	Prohibition
                                                                                                                                                   on
                                                                                                                                                   Subcontractors.
                                                                                                                                                   In
                                                                                                                                                   the
                                                                                                                                                   event
                                                                                                                                                   that
                                                                                                                                                   Greensky
                                                                                                                                                   wishes
                                                                                                                                                   to
                                                                                                                                                   utilize
                                                                                                                                                   a
                                                                                                                                                   subcontractor
                                                                                                                                                   or
                                                                                                                                                   vendor,
                                                                                                                                                   Greensky
                                                                                                                                                   must
                                                                                                                                                   establish,
                                                                                                                                                   implement,
                                                                                                                                                   and
                                                                                                                                                   maintain
                                                                                                                                                   a
                                                                                                                                                   comprehensive
                                                                                                                                                   vendor
                                                                                                                                                   management
                                                                                                                                                   program
                                                                                                                                                   (“VMP”)
                                                                                                                                                   which
                                                                                                                                                   is
                                                                                                                                                   subject
                                                                                                                                                   to
                                                                                                                                                   approval
                                                                                                                                                   by
                                                                                                                                                   Comdata,
                                                                                                                                                   such
                                                                                                                                                   approval
                                                                                                                                                   may
                                                                                                                                                   not
                                                                                                                                                   be
                                                                                                                                                   unreasonably
                                                                                                                                                   withheld.
                                                                                                                                                   Greensky
                                                                                                                                                   may
                                                                                                                                                   not
                                                                                                                                                   use
                                                                                                                                                   subcontractors
                                                                                                                                                   or
                                                                                                                                                   vendors
                                                                                                                                                   in
                                                                                                                                                   relation
                                                                                                                                                   to
                                                                                                                                                   a
                                                                                                                                                   Program
                                                                                                                                                   or
                                                                                                                                                   Cards
                                                                                                                                                   unless
                                                                                                                                                   such
                                                                                                                                                   subcontractors
                                                                                                                                                   or
                                                                                                                                                   vendor
                                                                                                                                                   relationships
                                                                                                                                                   have
                                                                                                                                                   been
                                                                                                                                                   established
                                                                                                                                                   in
                                                                                                                                                   conformance
                                                                                                                                                   with
                                                                                                                                                   the
                                                                                                                                                   VMP.
                                                                                                                                                   For third party service providers
or Affiliates as subcontractors engaged after the Effective Date, except upon the prior written consent of Comdata, Greensky shall
not utilize any foreign-based third party service providers or Affiliates as subcontractors that have direct access to nonpublic
personal information, as that term is defined by the Gramm-Leach-Bliley Act of 1999 (15 U.S.C. § 6809(4)), as may be amended
from time to time, during the term of this Agreement without obtaining the prior written consent of Comdata. Greensky will provide
Comdata with a listing of its critical

    	4

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

subcontractors and vendors in relation to a Program or Cards on an annual basis and will
also provide Comdata with such additional information as Comdata may reasonably request such as but not limited to activities
performed, address, locations, and information security, disaster recovery and business continuity program information. If Comdata
determines that a vendor or subcontractor represents an unreasonable risk, Greensky will cooperate with Comdata to ameliorate
such risk or terminate such vendor or subcontractor relationship.

 

	·	Reports
                                                                                                                                                   and
                                                                                                                                                   Information.
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   provide
                                                                                                                                                   Comdata
                                                                                                                                                   with
                                                                                                                                                   all
                                                                                                                                                   information
                                                                                                                                                   and
                                                                                                                                                   reports
                                                                                                                                                   deemed
                                                                                                                                                   reasonably
                                                                                                                                                   necessary
                                                                                                                                                   by
                                                                                                                                                   Comdata
                                                                                                                                                   in
                                                                                                                                                   order
                                                                                                                                                   for
                                                                                                                                                   Comdata
                                                                                                                                                   to
                                                                                                                                                   comply
                                                                                                                                                   with
                                                                                                                                                   Applicable
                                                                                                                                                   Law
                                                                                                                                                   and
                                                                                                                                                   in
                                                                                                                                                   order
                                                                                                                                                   to
                                                                                                                                                   meet
                                                                                                                                                   any
                                                                                                                                                   requirements
                                                                                                                                                   of
                                                                                                                                                   the
                                                                                                                                                   Issuing
                                                                                                                                                   Bank.
                                                                                                                                                   Annually,
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   complete
                                                                                                                                                   Comdata’s
                                                                                                                                                   compliance
                                                                                                                                                   questionnaire
                                                                                                                                                   and
                                                                                                                                                   provide
                                                                                                                                                   all
                                                                                                                                                   reasonably
                                                                                                                                                   requested
                                                                                                                                                   information
                                                                                                                                                   associated
                                                                                                                                                   therewith.
                                                                                                                                                   Further,
                                                                                                                                                   an
                                                                                                                                                   officer
                                                                                                                                                   of
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   also
                                                                                                                                                   certify
                                                                                                                                                   Greensky’s
                                                                                                                                                   compliance
                                                                                                                                                   with
                                                                                                                                                   the
                                                                                                                                                   terms
                                                                                                                                                   of
                                                                                                                                                   this
                                                                                                                                                   Agreement
                                                                                                                                                   and
                                                                                                                                                   all
                                                                                                                                                   warranties,
                                                                                                                                                   representations,
                                                                                                                                                   covenants,
                                                                                                                                                   and
                                                                                                                                                   obligations
                                                                                                                                                   associated
                                                                                                                                                   therewith.

 

	·	Notification.
                                                                                                                                                   Greensky
                                                                                                                                                   shall
                                                                                                                                                   immediately
                                                                                                                                                   (within
                                                                                                                                                   one
                                                                                                                                                   business
                                                                                                                                                   day
                                                                                                                                                   or
                                                                                                                                                   less)
                                                                                                                                                   notify
                                                                                                                                                   Comdata
                                                                                                                                                   upon
                                                                                                                                                   discovery
                                                                                                                                                   if:

 

		o	Greensky
                                                                                                                                               experiences
                                                                                                                                               a
                                                                                                                                               material
                                                                                                                                               adverse
                                                                                                                                               change
                                                                                                                                               in
                                                                                                                                               its
                                                                                                                                               financial
                                                                                                                                               condition.

 

		o	Greensky
                                                                                                                                               changes
                                                                                                                                               the
                                                                                                                                               address
                                                                                                                                               of
                                                                                                                                               its
                                                                                                                                               principal
                                                                                                                                               place
                                                                                                                                               of
                                                                                                                                               business.

 

		o	Greensky
                                                                                                                                               experiences
                                                                                                                                               a
                                                                                                                                               change
                                                                                                                                               of
                                                                                                                                               ownership
                                                                                                                                               or
                                                                                                                                               control.

 

		o	Greensky’s
                                                                                                                                               business
                                                                                                                                               is
                                                                                                                                               materially
                                                                                                                                               disrupted
                                                                                                                                               by
                                                                                                                                               a
                                                                                                                                               force
                                                                                                                                               majeure
                                                                                                                                               event.

 

		o	Greensky
                                                                                                                                               is
                                                                                                                                               subject
                                                                                                                                               to
                                                                                                                                               a
                                                                                                                                               confirmed
                                                                                                                                               or
                                                                                                                                               reasonably
                                                                                                                                               suspected
                                                                                                                                               data
                                                                                                                                               security
                                                                                                                                               breach
                                                                                                                                               that
                                                                                                                                               involves
                                                                                                                                               Sensitive
                                                                                                                                               Personally-Identifiable
                                                                                                                                               Information
                                                                                                                                               of
                                                                                                                                               a
                                                                                                                                               Customer
                                                                                                                                               of
                                                                                                                                               the
                                                                                                                                               Program
                                                                                                                                               or
                                                                                                                                               confidential
                                                                                                                                               information
                                                                                                                                               of
                                                                                                                                               Comdata
                                                                                                                                               or
                                                                                                                                               Issuing
                                                                                                                                               Bank.
                                                                                                                                               For
                                                                                                                                               the
                                                                                                                                               purposes
                                                                                                                                               of
                                                                                                                                               this
                                                                                                                                               section,
                                                                                                                                               “Sensitive
                                                                                                                                               Personally-Identifiable
                                                                                                                                               Information”
                                                                                                                                               means
                                                                                                                                               any
                                                                                                                                               non-public
                                                                                                                                               personally
                                                                                                                                               identifiable
                                                                                                                                               information
                                                                                                                                               of
                                                                                                                                               a
                                                                                                                                               Customer
                                                                                                                                               in
                                                                                                                                               combination
                                                                                                                                               with
                                                                                                                                               information
                                                                                                                                               associated
                                                                                                                                               with
                                                                                                                                               a
                                                                                                                                               Card
                                                                                                                                               such
                                                                                                                                               as
                                                                                                                                               the
                                                                                                                                               primary
                                                                                                                                               account
                                                                                                                                               number,
                                                                                                                                               expiration
                                                                                                                                               date,
                                                                                                                                               or
                                                                                                                                               a
                                                                                                                                               security
                                                                                                                                               code
                                                                                                                                               or
                                                                                                                                               protocol.

 

		o	The
                                                                                                                                               Agreement
                                                                                                                                               or
                                                                                                                                               any
                                                                                                                                               act
                                                                                                                                               or
                                                                                                                                               omission
                                                                                                                                               of
                                                                                                                                               Greensky
                                                                                                                                               or
                                                                                                                                               Comdata
                                                                                                                                               in
                                                                                                                                               connection
                                                                                                                                               with
                                                                                                                                               or
                                                                                                                                               pursuant
                                                                                                                                               to
                                                                                                                                               the
                                                                                                                                               Agreement
                                                                                                                                               may
                                                                                                                                               violate
                                                                                                                                               any
                                                                                                                                               Applicable
                                                                                                                                               Laws.

 

		o	Greensky
                                                                                                                                               learns
                                                                                                                                               that
                                                                                                                                               any
                                                                                                                                               person,
                                                                                                                                               entity,
                                                                                                                                               or
                                                                                                                                               governmental
                                                                                                                                               agency
                                                                                                                                               has
                                                                                                                                               threatened
                                                                                                                                               or
                                                                                                                                               filed
                                                                                                                                               legal
                                                                                                                                               action
                                                                                                                                               of
                                                                                                                                               any
                                                                                                                                               kind
                                                                                                                                               against
                                                                                                                                               Comdata
                                                                                                                                               or
                                                                                                                                               the
                                                                                                                                               Issuing
                                                                                                                                               Bank
                                                                                                                                               in
                                                                                                                                               connection
                                                                                                                                               with
                                                                                                                                               this
                                                                                                                                               Agreement.

    	5

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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

 

THIRD AMENDMENT TO

AMENDED AND RESTATED

CO-BRANDED MASTERCARD CARD PROGRAM AGREEMENT

 

THIS THIRD AMENDMENT
TO AMENDED AND RESTATED CO-BRANDED MASTERCARD CARD PROGRAM AGREEMENT (this “Amendment”), effective as of
March 3, 2016, is made by and between Greensky Trade Credit, LLC, a Georgia limited liability company (“Greensky”),
and Comdata Inc., a Delaware corporation and successor in interest to Comdata Network, Inc., a Maryland corporation (“Comdata”).

 

RECITALS:

 

A. Comdata and Greensky are parties
to that certain Amended and Restated Co-Branded MasterCard Card Program Agreement dated October 15, 2012, as previously amended
(the “Agreement”).

 

B. The parties desire to amend the
Agreement as set forth herein. Capitalized terms used herein and not otherwise defined will have the respective meanings set forth
in the Agreement.

 

IN CONSIDERATION of
the mutual promises contained in this Amendment, and other good and valuable consideration, the receipt and sufficiency of which
are acknowledged, Greensky and Comdata agree to amend the Agreement as follows:

 

1. Section 3(f) of the Agreement is
hereby amended to add a new subsection 3(f)(E) as follows:

 

“(E) Greensky shall notify
Comdata within fifteen (15) days of the addition of any new Funding Bank and any material changes to the funding commitments of
any existing Funding Bank with $200,000,000 or more in total loan commitments. Such changes include the following, but are not
limited to: (i) termination or notice of termination of any existing banking partner; and (ii) adverse change in any loan terms
(e.g., reduction of loan commitment amount, incremental material conditions attached to originations); and (iii) notice that any
material population of loans originated hasn’t met origination conditions.”

 

2. Section 3(e) of the Agreement is
hereby amended as follows:

 

“From time to
time Comdata may request Greensky to provide security for the performance when due of Greensky’s obligation’s hereunder.
Greensky agrees to provide Comdata with such security, which shall be in the amount and form as required by Comdata in its reasonable
discretion. The Account will not be available to Greensky until such security is accepted by Comdata in its sole discretion. Comdata
shall return any excess security from time-to-time and shall return all remaining security when all programs are no longer active
and all amounts owning on any accounts have been indefeasibly paid.”

 

3. Except as expressly amended or modified
hereby, the Agreement remains in full force and effect and is hereby ratified and confirmed by the parties hereto in all respects.
Each reference in the Agreement to “this Agreement” or “hereof”, “hereunder” or words of like
import, and each reference in any other document o the Agreement shall mean and be a reference to the Agreement as amended hereby.

    	1

    	

    

CERTAIN CONFIDENTIAL MATERIAL
APPEARING 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 entered into this Amendment through their duly authorized representatives:

 

	COMDATA INC.	 	GREENSKY TRADE CREDIT, LLC
	 	 	 	 	 
	BY:	/s/ Kurt Presley	 	BY:	/s/ Robert Partlow

	TITLE: 	VP, Credit	 	TITLE: 	CFO

    	2

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00283-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00283-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00283-of-00352.parquet"}]]