Document:

Exhibit 10.14

 

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

 

Composite Version as amended

through Third Amendment

 

SERVICING AGREEMENT

 

Dated as of August 4, 2015

 

by and between

 

GREENSKY, LLC

 

and

 

SYNOVUS BANK

    	 

    	

    

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

 

SERVICING AGREEMENT

 

THIS SERVICING AGREEMENT
(the “Servicing Agreement”) dated as of August 4, 2015 (the “Effective Date”), by and between
GREENSKY, LLC, f/k/a GREENSKY TRADE CREDIT, LLC, a Georgia limited liability company (“Servicer”) and SYNOVUS
BANK, a Georgia state-chartered bank (“Lender”), as amended March 31, 2017; Decemeber 20, 2017 and February
28, 2018. As used herein, “Party” shall mean Servicer or Lender, as applicable, and “Parties”
shall mean both Servicer and Lender.

 

W I T N E S S E T H:

 

WHEREAS, Servicer and
Lender have entered into a Loan Origination Agreement (as hereinafter amended, the “Origination Agreement”);
and

 

WHEREAS, Lender and
Servicer have agreed that Servicer perform certain servicing with respect to the Loans and Servicer is willing to service the Loans;

 

NOW, THEREFORE, in consideration
of the mutual covenants contained herein, and for other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, it is hereby agreed by and between Servicer and Lender as follows:

 

ARTICLE I

 

DEFINITIONS

 

Section
1.01 Definitions. Capitalized terms used herein or in any certificate or document made or delivered pursuant hereto
shall have the following meanings:

 

“Bank Margin”
shall have the meaning set forth in Section 3.02.

 

“[*****].

 

“Collections”
shall mean all cash, checks, notes, instruments and other items of payment.

 

“Critical Vendor”
shall mean any third-party Person engaged by the Servicer to service or assist in servicing the Loans or otherwise carrying
out its obligations hereunder that either (i) has direct and material interface or contact with Borrowers and/or the Lender (it
being agreed that outsourcing the call center function would be material) or (ii) provide staffing that is responsible for the
maintaining of information security and/or prevention of breaches of data.

 

“[*****].

 

“[*****].

    	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

 

“Governmental
Requirements” means, collectively, all federal and state statutes, codes, ordinances, laws, and regulations that may
apply to Servicer or Lender either now or in the future relating to the Servicing of the Loans, including, but not limited to,
applicable federal, state and local consumer protection laws, the federal Truth in Lending Act (Regulation Z), the Equal Credit
Opportunity Act (Regulation B), the federal Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Uniting and
Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT ACT) Act of 2001,
the Telephone Consumer Protection Act, and the Fair and Accurate Credit Transactions Act of 2003, the Bank Service Company Act,
the Bank Secrecy Act, the Gramm-Leach-Bliley Act (Regulation P), and privacy and anti-money laundering laws, and all regulations,
rules, orders, guidance, directives, interpretations and decrees of any Governmental Authority.

 

“[*****].

 

“Indemnified
Parties” shall have the meaning set forth in Section 7.13.

 

“Indemnifying
Party” shall have the meaning set forth in Section 7.13.

 

“Lockbox”
shall mean the lockbox account established by Servicer at the Lockbox Bank listed on Schedule B hereto to which the Borrowers
are instructed to remit payments on the Loans or such other address, post office box or account as may be established in connection
with this Servicing Agreement.

 

“Lockbox Agreement”
shall mean the agreement among Servicer and Lockbox Bank with respect to the processing of the Lockbox deposits and the delivery
of reports of Lockbox transactions; provided however, that any reference to Lockbox in that agreement shall be deemed to refer
to the Lockbox as defined under this Servicing Agreement.

 

“Lockbox Bank”
shall mean a financial institution selected by Lender (including Lender acting in such capacity).

 

“Monthly Accounting”
shall have the meaning set forth in Section 3.01(a).

 

“Officer’s
Certificate” shall mean, unless otherwise specified in this Servicing Agreement, a certificate signed by the President,
any Vice President or Chief Financial Officer of Lender or Servicer, as the case may be, or by the President, any Vice President
or the Chief Financial Officer of a Successor Servicer.

 

“Origination
Agreement” shall have the meaning set forth in the Recitals.

 

“Outstanding
Balance” shall mean, as of any specified date, the face value of a Loan originated by Lender
plus the amount of any interest, fees or other amounts due under or with respect to such Loan minus any payments,
credits, or other amounts credited against the such Loan, all as contemplated by this Servicing Agreement.

    	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

 

“Payment Date”
shall mean the sixth calendar day of month, but if such calendar day is not a business day, then the first business day after the
sixth calendar day of the month.

 

“Performance
Fee” shall have the meaning set forth in Section 3.01(c).

 

“Portfolio
Credit Losses” shall mean, for each calendar month, an amount equal to the Outstanding Balance of all Loans that become
past due by 90 or more days during such month or for which the sole Borrower or all co-Borrowers are the subject of a bankruptcy
or similar proceeding or have died.

 

“[*****].

 

“[*****].

 

“Promotional
Loans” shall mean each Loan for the greater of (i) 12 months from the date of initial funding or (ii) in the case
of a deferred or interest only Loan, the duration of the deferred or interest only period (not to exceed 24 months), for purposes
of calculating the Bank Margin.

 

“Rate”
shall mean [*****].

 

“Reset Date”
shall have the meaning set forth in Section 3.02.

 

“Servicer Default”
shall have the meaning set forth in Section 4.01.

 

“Service Transfer”
shall have the meaning set forth in Section 4.01.

 

“Servicing”
shall have the meaning set forth in Section 2.01(b).

 

“Servicing
Fee” shall have the meaning set forth in Section 3.01(c).

 

“Servicing
Reports” shall have the meaning set forth in Schedule A attached hereto.

 

“Standard Loan”
is a Loan when it is not then a Promotional Loan.

 

“Successor
Servicer” shall have the meaning set forth in Section 4.02(a).

 

“Termination
Notice” shall have the meaning set forth in Section 4.01.

 

“[*****].

 

Section 1.02 Other
Definitional Provisions.

    	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

 

(a) All terms defined
in this Servicing Agreement shall have the defined meanings when used in any certificate or other document made or delivered pursuant
hereto unless otherwise defined therein.

 

(b) All capitalized
terms used here herein and not otherwise defined herein shall have meanings ascribed to them in the Origination Agreement.

 

(c) The words “hereof,”
“herein” and “hereunder” and any words of similar import when used in this Servicing Agreement shall refer
to this Servicing Agreement as a whole and not to any particular provision of this Servicing Agreement; and Section, Subsection
and Schedule references contained in this Servicing Agreement are references to Sections, Subsections and Schedules in or to this
Servicing Agreement unless otherwise specified.

 

ARTICLE II

 

ADMINISTRATION AND SERVICING OF LOANS

 

Section 2.01 Servicing.

 

(a) Subject to the
terms and conditions set forth herein, Lender hereby appoints Servicer to service the Loans as provided herein.

 

(b) Servicer
agrees to service the Loans in accordance with the customary industry servicing practices of prudent lending institutions
that service loans of the same type as the Loans, which shall include, but not be limited to, account
opening, transaction processing, customer service, statement generation, reporting, billing, repayment disbursements, management,
administration, collection, and customer service, in accordance, where applicable, with (i) the criteria set forth in this Servicing
Agreement, as it may be amended from time to time, and on Schedule A annexed hereto, and (ii) the terms of the Origination
Agreement, as it may be amended from time to time, and any schedules thereto (“Servicing”). Servicer further
agrees to provide such other services as Lender and Servicer determine are customary and reasonable in connection with the servicing
of the Loans, as provided for herein. Notwithstanding the foregoing, Servicer may, but shall not be obligated to, institute litigation.

 

(c) Servicer agrees
to timely deliver to Lender the financial reports with respect to the Loans as are set forth on Schedule A annexed hereto.

 

(d) Notwithstanding
clause (b) above, unless Servicer has fully reimbursed Lender with respect to a Loan pursuant to Section 3.01(f) or such Loan is
subject to a qualifying request under the Servicemembers Civil Rights Act, Servicer shall not, without the prior approval of Lender,
(i) modify the terms of the Loans including, but not limited to, interest rate and maturity date, or (ii) waive Borrower payment
delinquencies. Servicer and Lender agree that Servicer’s modification of the terms of a Loan or waiver of Borrower payment
delinquencies where permitted

    	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

 

pursuant to this Section 2.01(d)
shall have no effect upon the treatment of the Outstanding Balance of such Loan as a Portfolio Credit Loss.

 

(e) Without limiting
the generality of the foregoing, Servicer agrees to: (i) timely invoice each Borrower for all payments required to be paid by such
Borrower in such manner and to the same extent as Servicer does with respect to similar loans held for its own account or would
be expected to do if it held such loans for its own account, (ii) direct each Borrower to remit such payments due by such Borrower
directly to the Lockbox or otherwise as instructed by Lender, (iii) arrange the disbursement or remittance of any amounts which
should have been paid or deposited into the Lockbox, but were not so paid or deposited, to Lender in accordance with the terms
and provisions of the loan agreement, the Origination Agreement and/or the Lockbox Agreement within two (2) business days of receiving
such payment from a Borrower, and (iv) maintain with respect to each Loan, complete and accurate records in the same form and to
the same extent as Servicer does with respect to contracts held for its own account or would be expected to do if it held such
contracts for its own account and in any event in accordance with customary servicing practice.

 

(f) Lender shall
have access to all Borrower records including, but not limited to, loan documents, at such time and
in such manner as shall be requested by Lender subject to the reasonable approval of Servicer. Lender may utilize such records
for the purposes of marketing Lender’s products and services to the Borrowers as permitted by Law and subject to the limitations
imposed by the Program Agreement(s). Notwithstanding anything herein to the contrary, since the Loans are at all times the sole
property of Lender, Lender shall have the unconditional right, at any time and from time to time, to take possession of the original
loan documents or other original evidence of the debt owed by any Borrower and Servicer shall promptly deliver the same to Lender
on Lender’s request.

 

Section 2.02 Compliance. 

 

(a) Servicer agrees
to observe and comply with (and to provide training to its applicable personnel regarding compliance with) all Governmental Requirements
applicable to the Servicing of the Loans, and shall make available its facilities, personnel and records for examination or audit
when reasonably requested by Lender to enable Lender to determine Servicer’s compliance with the Governmental Requirements,
the provisions of this Servicing Agreement and the Origination Agreement.

 

(b) Servicer shall
pay all of its expenses incurred in connection with the Servicing of the Loans.

 

Section 2.03 Subservicing
Agreements.

 

(a) The Servicer
may enter into subservicing agreements with subservicers for the servicing and administration of all or a part of the Loans and
may contract with third parties for the performance of incidental services such as performing inspections or monitoring insurance
and/or taxes; provided that the Servicer shall remain obligated and liable to the Lender for the

    	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

 

servicing and administering
of the Loans in accordance with the provisions hereof without diminution of such obligation or liability by virtue of such subservicing
agreement and to the same extent and under the same terms and conditions as if the Servicer alone were servicing and administering
the Loans. References in this Agreement to actions taken or to be taken by the Servicer in servicing the Loans include actions
taken or to be taken by a subservicer on behalf of the Servicer. For purposes of this Agreement, the Servicer shall be deemed to
have received any payment in respect of a Loan when the applicable or related subservicer receives such payment. The Servicer shall
be obligated to pay all fees and expenses of any subservicer out of its Servicing Fee.

 

(b) The Servicer
shall deliver to the Lender on a quarterly basis a list of the Critical Vendors utilized by the Servicer in connection with the
loan origination and servicing obligations hereunder and under the Origination Agreement, highlighting any changes of the identity
of any such Critical Vendors from the list delivered to Lender for the prior quarter. Further, in connection with this Section
2.03, the Lender shall have the right to approve of any Critical Vendors utilized by the Servicer, which approval shall not be
unreasonably withheld or delayed.

 

(c) All subservicers
shall agree to perform any services with respect to the Loans in a manner consistent with Servicer’s obligations hereunder.

 

(d) As part of its
servicing activities hereunder, where Servicer in its reasonable judgment concludes that it is commercially appropriate, the Servicer,
for the benefit of the Lender, shall enforce the obligations of each subservicer under the related subservicing agreement. Such
enforcement, including, without limitation, the legal prosecution of claims, termination of subservicing agreements and the pursuit
of other appropriate remedies, shall be in such form and carried out to such an extent and at such time as the Servicer, in its
good faith business judgment, would require were it the owner of the Loan and in a manner consistent with the Servicer’s
obligations under this Servicing Agreement and the Origination Agreement. The Servicer shall pay the costs of such enforcement
at its own expense and shall be reimbursed therefor only (i) from a general recovery resulting from such enforcement only to the
extent, if any, that such recovery exceeds (x) all amounts due in connection with such breach in respect of the related Loan and
(y) any other losses suffered by the Lender as a result of such breach, or (ii) from a specific recovery of costs, expenses or
attorneys’ fees against the party against whom such enforcement is directed.

 

ARTICLE III

 

PERFORMANCE FEE AND SERVICING FEE

 

Section 3.01 Performance
Fee and Servicing Fee. 

 

(a) No
later than the Business Day prior to the Payment Date each month during the term of this Servicing Agreement, Servicer shall calculate
a “Monthly Accounting” with respect to the prior month as follows and forward such calculation and the detail
therefor to Lender:

    	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

 

(i) [*****].

 

(b) [*****].

 

(c) On
each Payment Date, Lender will pay Servicer a “Servicing Fee” equal to [*****].

 

Section 3.02 Certain
Definitions Related to Performance Fee and Servicing Fee.

 

“[*****].

 

Section 3.03 Payment
of Performance Fee and Servicing Fee. [*****].

 

ARTICLE IV

 

SERVICER DEFAULTS

 

Section 4.01. Servicer
Defaults. If any one of the following events (a “Servicer Default”) shall occur and be continuing:

 

(a) any failure by
Servicer to make any payment, transfer or deposit or to give instructions or to give notice to Lender or Lockbox Bank to make such
payment, transfer or deposit on or before the date occurring three (3) Business Days after the date such payment, transfer or deposit
or such instruction or notice is required to be made or given, as the case may be, under the terms of this Servicing Agreement
or the Origination Agreement;

 

(b) failure on the
part of Servicer to duly observe or perform in any material respect any other covenants or agreements of Servicer set forth in
this Servicing Agreement or in the Origination Agreement and which continues unremedied for a period of twenty (20) days after
the date on which notice of such failure, requiring the same to be remedied, shall have been given to Servicer by Lender; or Servicer
shall assign or delegate its duties under this Servicing Agreement, except as permitted by Section 7.05;

 

(c) any representation,
warranty or certification made by Servicer in this Servicing Agreement, the Origination Agreement, or in any certificate delivered
pursuant to this Servicing Agreement or the Origination Agreement shall prove to have been materially incorrect when made, which,
if capable of being remedied, continues for a period of twenty (20) days after the date on which notice thereof, requiring the
same to be remedied, shall have been given to Servicer by Lender;

 

(d) Servicer shall
consent to the appointment of a bankruptcy trustee or conservator or receiver or liquidator in any bankruptcy proceeding or other
insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings of or relating to Servicer or of
or relating to all or substantially all its
property, or an action seeking a decree or order of a court or agency or

    	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

 

supervisory authority having jurisdiction in the premises
for the appointment of a bankruptcy trustee or a conservator or receiver or liquidator in any bankruptcy, insolvency, readjustment
of debt, marshalling of assets and liabilities or similar proceedings, or the winding-up or liquidation of its or any of its Affiliates
affairs, shall have been commenced against Servicer and such action shall have remained undischarged or unstayed for a period of
sixty (60) days or an order or decree providing for such relief shall have been entered; or Servicer shall admit in writing its
inability to pay its debts generally as they become due, file a petition to take advantage of any applicable bankruptcy, insolvency
or reorganization statute, make any assignment for the benefit of its creditors or voluntarily suspend payment of its obligations;

 

then, in the event of any Servicer Default,
Lender by notice then given to Servicer (a “Termination Notice”), may terminate all but not less than
all of the rights and obligations of Servicer as Servicer under this Servicing Agreement and appoint a Successor Servicer; provided,
however, that, at Lender’s sole option, this Servicing Agreement shall remain in full force and effect with respect to
all, or a portion of, such Loans originated prior to the date of the Termination Notice that Servicer is servicing at the time
of the Termination Notice, in which event this Servicing Agreement shall remain in full force and effect with respect to such Loans
only. From and after the delivery of the Termination Notice, the Performance Fee and Servicing Fee due to Servicer under Article
III shall be reduced by (i) the commercially reasonable servicing fee in accordance with Section 4.02(b) of this Servicing Agreement
paid by Lender to the Successor Servicer plus (ii) all reasonably foreseeable damages (including all reasonable out-of-pocket
costs and expenses (including attorneys’ fees)) incurred by Lender by reason of such Servicer Default (the amounts described
in this clause (ii) referred to as “Ancillary Lender Damages”), but the remainder of the Performance Fee and
Servicing Fee (in the case of the Servicing Fee, calculated only with respect to then outstanding Loans actually serviced by the
Servicer) shall be paid to Servicer as contemplated by Article III.

 

After receipt by Servicer
of a Termination Notice, and on the date that a Successor Servicer is appointed by Lender pursuant to Section 4.02, all authority
and power of Servicer under this Servicing Agreement, except for the right to receive payment under Section 4.02(b) reduced by
(i) the servicing fee paid by Lender to the Successor Servicer (or, if Lender is the Successor Servicer, by the reasonable amount
that Lender would have to pay to an independent Successor Servicer in an arms’ length transaction), shall pass to and be
vested in the Successor Servicer (a “Service Transfer”) plus (ii) all other Ancillary Lender Damages;
and, without limitation, Lender is hereby authorized and empowered (upon the failure of Servicer to cooperate) to execute and deliver,
on behalf of Servicer, as attorney-in-fact or otherwise, all documents and other instruments upon the failure of Servicer to execute
or deliver such documents or instruments, and to do and accomplish all other acts or things necessary or appropriate to effect
the purposes of such Service Transfer. Servicer agrees to cooperate with Lender and such Successor Servicer in effecting the termination
of the responsibilities and rights of Servicer to conduct servicing hereunder, including the transfer to such Successor Servicer
of all authority of Servicer to service the Loans provided for under this Servicing Agreement, including all authority over all
Collections which shall on the date of transfer be held by Servicer for deposit, or which have been deposited
by Servicer in the Lockbox, or which shall thereafter be received with respect to the Loans, and in assisting the

    	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

 

Successor Servicer.
Servicer shall also complete such transfer of its rights under the Program Agreements as may be necessary for the Successor Servicer
to adequately perform its duties and obligations under this Servicing Agreement; but otherwise, Servicer shall remain obligated
under and shall continue to perform its duties and obligations under the Program Agreements. Servicer shall within ten (10) Business
Days transfer its electronic records relating to the Loans to the Successor Servicer in such electronic form as the Successor Servicer
may reasonably request and shall promptly transfer to the Successor Servicer all other records, correspondence and documents necessary
for the continued servicing and enforcement of the Loans in the manner and at such times as the Successor Servicer shall reasonably
request. The Servicer shall be responsible for all expenses incurred in transferring the servicing duties to the Successor Servicer.
To the extent that compliance with this Section shall require Servicer to disclose to the Successor Servicer information of any
kind which Servicer deems to be confidential, the Successor Servicer shall be required to enter into such customary confidentiality
agreements as Servicer shall deem reasonably necessary to protect its interests.

 

Notwithstanding the
foregoing, a delay in or failure of performance shall not constitute a Servicer Default (i) under paragraph (a) above for a period
of ten (10) Business Days after the applicable grace period or (ii) under paragraph (b) or (c) above for a period of fifteen (15)
Business Days after the applicable grace period, if such delay or failure could not be prevented by the exercise of reasonable
diligence by Servicer and such delay or failure was caused by an act of God or the public enemy, acts of declared or undeclared
war, public disorder, rebellion or sabotage, epidemics, landslides, lightning, fire, hurricanes, earthquakes, floods or similar
causes. The preceding sentence shall not relieve Servicer from using all commercially reasonable efforts to perform its obligations
in a timely manner in accordance with the terms of this Servicing Agreement and Servicer shall provide Lender with an Officer’s
Certificate giving prompt notice of such failure or delay by it, together with a description of its efforts so to perform its obligations.

 

Section 4.02. Appointment
of Successor Servicer.

 

(a) On and after
the receipt by Servicer of a Termination Notice pursuant to Section 4.01, Servicer shall continue to perform all servicing functions
under this Servicing Agreement until the date specified in the Termination Notice or otherwise specified by Lender or until a date
mutually agreed upon by Servicer and Lender. Lender shall as promptly as possible after the giving of a Termination Notice appoint
on commercially reasonable terms a third party servicing entity selected by Lender in its sole discretion, or itself on commercially
reasonable terms, as the successor servicer of this Servicing Agreement (the “Successor Servicer”), and such
Successor Servicer, if a third party, shall accept its appointment by a written assumption in a form acceptable to Lender. In the
event that a Successor Servicer has not been appointed or has not accepted its appointment at the time when Servicer ceases to
act as Servicer, Lender, without further action, shall automatically be appointed on commercially reasonably terms the Successor
Servicer. Notwithstanding the foregoing, Lender shall, if it is legally unable or unwilling so to act, petition a court of competent jurisdiction
to appoint any established institution qualifying as the Successor Servicer hereunder.

    	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

 

(b) Upon its appointment,
the Successor Servicer shall be the successor in all respects to Servicer with respect to servicing functions and collection of
any payment of fees or expenses under this Servicing Agreement and shall be subject to all the responsibilities, duties and liabilities
relating thereto placed on Servicer by the terms and provisions hereof, and all references in this Servicing Agreement to Servicer
shall be deemed to refer to the Successor Servicer; provided, however, that the Lender shall reserve the right to amend
or modify the terms of this Agreement as a condition to engaging any third-party Successor Servicer provided that, the Performance
Fee and Servicing Fee due to Servicer under Article III shall be reduced only by (i) the reasonable amount that Lender would have
to pay to an independent Successor Servicer in an arms’ length transaction plus (ii) other Ancillary Lender Damages.

 

ARTICLE V

 

REPRESENTATIONS AND WARRANTIES

 

Section 5.01 Representations
and Warranties of Servicer. Servicer represents and warrants to Lender as follows:

 

(a) Servicer is a
limited liability company duly organized, validly existing and in good standing under the laws of the State of Georgia. Servicer
shall be entitled, however, to convert into a Georgia or Delaware corporation.

 

(b) Servicer has
all necessary company power and authority to enter into this Servicing Agreement and to perform all of the obligations to be performed
by it under this Servicing Agreement. This Servicing Agreement and the consummation by Servicer of the transactions contemplated
hereby have been duly authorized by all company action of Servicer, and this Servicing Agreement has been duly executed and delivered
by Servicer and constitutes the valid and binding obligation of Servicer, enforceable against Servicer in accordance with its terms
(except as such enforcement may be limited by bankruptcy, insolvency, reorganization, moratorium, receivership, conservatorship,
and other laws relating to or affecting creditors’ rights generally and by general equity principles).

 

(c) All of the representations
and warranties made by Servicer under Sections 4.01 and 4.02 of the Origination Agreement are hereby incorporated by reference
and restated as representations and warranties made as of the date hereof and as of each Settlement Date (as that term is defined
in the Origination Agreement) under this Servicing Agreement.

 

Section 5.02 Representations
and Warranties of Lender. Lender represents and warrants to Servicer as follows:

 

(a) Lender is a state
bank duly organized, validly existing and in good standing under the laws of the State of Georgia.

    	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

 

(b) Lender has all
necessary corporate power and authority to enter into this Servicing Agreement and to perform all of the obligations to be performed
by it under this Servicing Agreement. This Servicing Agreement and the consummation by Lender of the transactions contemplated
hereby have been duly authorized by all corporate action of Lender, and this Servicing Agreement has been duly executed and delivered
by Lender and constitutes the valid and binding obligation of Lender, enforceable against Lender in accordance with its terms (except
as such enforcement may be limited by bankruptcy, insolvency, reorganization, moratorium, receivership, conservatorship and other
laws relating to or affecting creditors’ rights generally and by general equity principles).

 

(c) All of the representations
and warranties made by Lender under Sections 4.03 of the Origination Agreement are hereby incorporated by reference and restated
as representations and warranties made as of the date hereof and as of each Settlement Date (as that term is defined in the Origination
Agreement) under this Servicing Agreement.

 

ARTICLE VI

 

TERM AND TERMINATION

 

Section 6.01 Term.

 

(a) This Servicing
Agreement shall begin on the Effective Date and end on the date that all Loans originated by Lender under the Origination Agreement
have been repaid in full, unless sooner terminated as provided herein.

 

(b) Upon termination
of this Servicing Agreement, and at Lender’s sole cost and expense, Servicer agrees to reasonably cooperate with and provide
to the Successor Servicer, termination assistance intended to allow the Servicing to continue without material interruption or
material adverse effect and/or to facilitate the orderly migration and transfer of the Servicing to the Successor Servicer, if
applicable (“Termination Assistance”). For a period of up to six (6) months following the date of termination, Servicer
will provide, at Lender’s request and expense, any or all of the Servicing being performed by Servicer pursuant to this Servicing
Agreement including Termination Assistance. Termination Assistance Services will be negotiated in good faith and shall be paid
currently and not by means of any setoff or offset. To the extent Servicer is to perform Servicing pursuant to the preceding sentence,
the provisions of this Servicing Agreement will be applicable to such Servicing to the same extent that they would have been applicable
to the Servicing prior to the date of termination.

 

(c) Servicer will use commercially reasonable
efforts to obtain necessary rights and make available to the Successor Servicer third party services then being utilized by Servicer
to perform Servicing, including services provided through third party service or maintenance contracts on equipment or software.

    	11

    	

    

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

 

ARTICLE VII

MISCELLANEOUS PROVISIONS

 

Section 7.01 Amendment.
This Servicing Agreement may not be modified or amended except by a writing executed by the Parties hereto.

 

Section 7.02 Governing
Law. THIS SERVICING AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF GEORGIA, WITHOUT REFERENCE TO
ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE
WITH SUCH LAWS.

 

Section
7.03 Notices. All demands, notices, documentation, deliverables and communications hereunder shall be in writing and
shall be deemed to have been duly given when actually delivered by a nationally recognized overnight courier or, if rejected
by the addressee, when so rejected, or, if mailed, when deposited in the United States mail, as first class, certified or registered
mail postage prepaid, or via .pdf format or via email upon, in each case, electronic confirmation of receipt thereof by the other
Party, directed to the address shown as follows:

 

	If to Servicer:	GreenSky Trade Credit, LLC
	 	1797 N.E. Expressway
	 	Atlanta, Georgia  30329
	 	Attention:  President
	 	 

	If to Lender:	Synovus Bank
	 	1111 Bay Avenue
	 	Card Services Director
	 	Columbus, Georgia  31901
	 	Attention:  Fraser Cruickshank
	 	Tel:	(###) ###-####
	 	Fax:	(###) ###-####
	 	Email:  	############@synovus.com

 

and, with respect to formal notices and legal correspondence,
with a copy to:

 

	 	Synovus Centre
	 	1111 Bay Avenue, Suite 500
	 	Columbus, GA 31901
	 	Attention: Allan E. Kamensky
	 	Tel:	(###) ###-####
	 	Email:  	#########@synovus.com

    	12

    	

    

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

 

Section 7.04 Severability
of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Servicing Agreement shall for any
reason whatsoever be held invalid, then such covenants, agreements, provisions, or terms shall be deemed severable from the remaining
covenants, agreements, provisions, and terms of this Servicing Agreement and shall in no way affect the validity or enforceability
of the other provisions of this Servicing Agreement.

 

Section 7.05 Assignment.
This Servicing Agreement is binding upon the Parties and their successors and assigns. Neither Party may assign this Servicing
Agreement or any of its rights or obligations hereunder to any Person that is not an Affiliate without the prior written consent
of the other Party, which may be withheld. Any purported assignment to a Person, without such prior written consent shall be void.
Notwithstanding the foregoing, Lender may sell, assign, convey or grant a security interest in all or part of the Loans to any
Person without limitation or restriction provided that any Person that acquires any interest therein agrees to be bound by the
terms of this Servicing Agreement and the Origination Agreement and Servicer may assign its interests hereunder as part of the
sale, transfer or assignment of all or substantially all of the assets or business of the Servicer or the sale, transfer or assignment
of equity interests of the Servicer (or any holding company thereof) so long as such successor to such sale, transfer or assignment
assumes in writing all of the obligations of the Servicer hereunder and under the Origination Agreement in a manner reasonably
satisfactory to the Lender.

 

Section 7.06 Further
Assurances. Servicer and Lender agree to do and perform, from time to time, any and all acts and to execute any and all further
instruments required or reasonably requested by the other Party more fully to effect the purposes of this Servicing Agreement.

 

Section 7.07 No
Waiver; Cumulative Remedies. No failure to exercise and no delay in exercising, on the part of Servicer or Lender, any right,
remedy, power or privilege hereunder, shall operate as a waiver thereof; nor shall any single or partial exercise of any right,
remedy, power or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy,
power or privilege. The rights, remedies, powers and privileges herein provided are cumulative and not exhaustive of any rights,
remedies, powers and privileges provided by law.

 

Section 7.08 Counterparts.
This Servicing Agreement may be executed in two or more counterparts (and by different Parties on separate counterparts), each
of which shall be an original, but all of which together shall constitute one and the same instrument.

 

Section 7.09 Binding;
Third-Party Beneficiaries. This Servicing Agreement will inure to the benefit of and are binding upon the Parties hereto and
their respective successors and permitted assigns.

 

Section 7.10 Merger
and Integration. Except as specifically stated otherwise herein, this Servicing Agreement and the Schedules attached hereto,
(the language of which Schedules is hereby incorporated by reference herein
and made a part hereof) sets forth the entire understanding of the Parties relating to the subject matter hereof, and all prior
understandings, written or oral, are

    	13

    	

    

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

 

superseded by this Servicing Agreement. This Servicing Agreement may not be modified, amended,
waived or supplemented except as provided herein. Notwithstanding the foregoing, the ongoing covenants and obligations of the Servicer
set forth in Sections 2.02, 2.04, 2.07, 5.01, 6.03, 6.04 and 6.05, the “Compliance Conditions”, and Schedules 8.1 through
8.6 of the Origination Agreement are hereby incorporated into the Servicing Agreement and shall remain in effect notwithstanding
the termination or expiration of the Origination Agreement.

 

Section 7.11 Headings.
The headings are for purposes of reference only and shall not otherwise affect the meaning or interpretation of any provision hereof.

 

Section
7.12 Survival. All representations, warranties and agreements contained in this Servicing Agreement shall remain operative
and in full force and effect and shall survive until the termination of this Servicing Agreement. In addition, the termination
or expiration of this Servicing Agreement shall not affect the rights of either Party to recover for breaches occurring prior thereto
or with respect to provisions of this Servicing Agreement that by their terms continue after termination.

 

Section 7.13. Third-Party
Claims. The Servicer hereby agrees to indemnify and hold the Lender harmless from and with respect to Indemnified Costs in
accordance with Schedule D attached hereto.

 

Section
7.14. Consent to Jurisdiction and Venue; Waiver of Jury Trial

 

(a) EACH PARTY HERETO
ACKNOWLEDGES THAT ANY DISPUTE OR CONTROVERSY BETWEEN THE SERVICER AND THE LENDER WOULD BE BASED ON DIFFICULT AND COMPLEX ISSUES
OF LAW AND FACT AND WOULD RESULT IN DELAY AND EXPENSE TO THE PARTIES. ACCORDINGLY, TO THE EXTENT PERMITTED BY APPLICABLE LAW, EACH
OF THE LENDER AND THE SERVICER HEREBY WAIVES ITS RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING OF ANY KIND OR NATURE IN
ANY COURT OR TRIBUNAL IN WHICH AN ACTION MAY BE COMMENCED BY OR AGAINST ANY PARTY HERETO ARISING OUT OF THIS AGREEMENT, THE LOAN
ORIGINATION AGREEMENT, ANY LOAN AND/OR THE TRANSACTIONS CONTEMPLATED HEREBY AND/OR THEREBY OR BY REASON OF ANY OTHER SUIT, CAUSE
OF ACTION OR DISPUTE WHATSOEVER BETWEEN OR AMONG THE SERVICER OR THE LENDER OF ANY KIND OR NATURE RELATING TO ANY OF THIS AGREEMENT,
THE LOAN ORIGINATION AGREEMENT OR THE LOANS.

 

(b) EACH OF THE SERVICER
AND THE LENDER HEREBY AGREES THAT THE FEDERAL DISTRICT COURT OF THE NORTHERN DISTRICT OF GEORGIA AND ANY STATE COURT LOCATED IN
ATLANTA, GEORGIA, SHALL HAVE THE EXCLUSIVE JURISDICTION TO HEAR AND DETERMINE ANY CLAIMS OR DISPUTES BETWEEN THE SERVICER AND THE
LENDER, PERTAINING DIRECTLY OR INDIRECTLY TO THIS AGREEMENT, THE LOAN
ORIGINATION AGREEMENT, ANY LOAN AND/OR THE TRANSACTIONS CONTEMPLATED HEREBY AND/OR THEREBY OR TO ANY MATTER ARISING HEREFROM OR
THEREFROM. THE SERVICER AND

    	14

    	

    

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

 

THE LENDER EXPRESSLY SUBMIT AND CONSENT IN ADVANCE TO SUCH JURISDICTION IN ANY ACTION OR PROCEEDING
COMMENCED IN SUCH COURTS WITH RESPECT TO SUCH CLAIMS OR DISPUTES. EACH PARTY FURTHER WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER
HAVE TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT
FORUM, AND EACH AGREES NOT TO PLEAD OR CLAIM THE SAME. THE CHOICE OF FORUM SET FORTH IN THIS SECTION SHALL NOT BE DEEMED TO PRECLUDE
THE BRINGING OF ANY ACTION BY THE A PARTY HERETO OR THE ENFORCEMENT BY A PARTY HERETO OF ANY JUDGMENT OBTAINED IN SUCH FORUM IN
ANY OTHER APPROPRIATE JURISDICTION.

 

(c) Each Party acknowledges
that it has been represented by legal counsel of its own choosing and has been advised of the intent, scope and effect of this
Section 7.14 and has voluntarily entered into this Servicing Agreement and this Section 7.14.

 

ARTICLE VIII

 

SUPPLEMENTAL PROVISIONS

 

The covenants and obligations
of the Parties set forth in Schedules 8.1, 8.2, 8.3, 8.4, 8.5 and 8.6 of the Origination Agreement are hereby incorporated by reference
herein (in addition to other incorporations by reference set forth herein).

 

ARTICLE IX

 

DAMAGES

 

Section 9.01  Servicer’s
Damages. In the event of a Default by Lender of this Servicing Agreement, Lender shall be liable for all of Servicer’s
damages under applicable Law.

 

Section 9.02 Lender’s
Damages. In the event of a Default by Servicer of this Servicing Agreement, and in addition to the termination remedies
set forth in Article IV hereof, Servicer shall be liable for all of Lender’s damages under applicable Law, and for the sake
of clarity, such damages shall include, but not be limited to, any fines or penalties imposed on Lender by a federal or state bank
regulatory agency.

 

Section 9.03. Types
of Damages. Except as expressly provided in Sections 9.01 and 9.02, in no event shall either Servicer or Lender, or any of
their respective officers, directors, employees, agents or affiliates, be liable for any indirect, incidental, special, punitive,
exemplary or consequential damages of any type whatsoever, including without limitation lost profits (even if advised of the possibility thereof)
arising in any way from the transactions contemplated hereunder. The foregoing limitation shall not limit any liabilities, obligations
or recoveries pursuant to Section 7.13 hereof, the obligation of the Servicer to repurchase Loans pursuant to

    	15

    	

    

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

 

Section 2.07 of the
Origination Agreement, or the obligation of the Lender to pay the Servicing Fee and the Performance Fee.

 

[Remainder of the page intentionally left
blank, Signature Page follows]

    	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

 

IN WITNESS WHEREOF,
Servicer and Lender have caused this Servicing Agreement to be duly executed by their respective officers as of the day and year
first above written.

 

	 	GREENSKY, LLC
	 	 	 
	 	By:	/s/ Timothy D. Kaliban
	 	Name: 	Timothy D. Kaliban
	 	Title:	President
	 	 	 
	 	SYNOVUS BANK
	 	 	 
	 	By:	/s/ Christopher Pyle
	 	Name:	Christopher Pyle
	 	Title:	Group Executive

    	17Exhibit 10.15

 

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

 

Composite Version as amended

through Amendment No. 3

 

LOAN ORIGINATION AGREEMENT

 

Dated as of August 25, 2016

 

by and between

 

GREENSKY, LLC

 

and

 

FIFTH THIRD BANK

    	 

    	

    

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

 

LOAN ORIGINATION AGREEMENT

 

THIS LOAN ORIGINATION
AGREEMENT dated as of August 25, 2016 (the “Effective Date”), by and between GREENSKY, LLC, a Georgia limited
liability company (including its direct and indirect subsidiaries, “Servicer”), and FIFTH THIRD BANK, an Ohio-chartered,
FDIC-insured bank (“Lender”), as amended December 22, 2016; July 1, 2017; February 15, 2018; and March
20, 2018. As used herein, “Party” shall mean Servicer or Lender, as applicable, and “Parties”
shall mean both Servicer and Lender.

 

W I T N E S S E T H:

 

WHEREAS, Servicer is
in the business of providing clerical, ministerial, and administrative services and a technology platform to lenders in connection
with lenders originating consumer loans, primarily through a network of Program Merchants and Sponsors (as defined herein) (the
“GreenSky® Program”); and

 

WHEREAS, the GreenSky®
Program is a lending program administered by Servicer on behalf of federally-insured, federal and state chartered lenders participating
in the GreenSky® Program; and

 

WHEREAS, Lender desires
to participate in the GreenSky® Program by extending such loans directly to the customers of the Program Merchants
and Sponsors on the terms provided for herein.

 

NOW, THEREFORE, for
good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, it is hereby agreed by and between
Servicer and Lender as follows:

 

ARTICLE I

DEFINITIONS

 

Section 1.01 Definitions.
Capitalized terms used herein or in any certificate or document made or delivered pursuant hereto shall have the following meanings:

 

“ACH Account”
shall have the meaning given to such term in the Servicing Agreement.

 

“Affiliate”
shall mean, with respect to any specified Person, any other Person controlling or controlled by or under common control with such
specified Person. For the purposes of this definition, “control” shall mean the power to direct the management
and policies of a Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise;
and the terms “controlling” and “controlled” have the meanings correlative to the foregoing.

 

“AML Laws”
shall have the meaning given to such term in Section 5.01(a)(iv).

    	 

    	

    

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

 

“AML Program”
shall have the meaning given to such term in Section 5.01(a)(iv).

 

“Borrower”
shall mean, with respect to any Loan, the Person or Persons obligated to make payments with respect to such Loan.

 

“Business Day”
shall mean a day that Lender is open for business and excluding Saturdays, Sundays and legal holidays.

 

“Commitment
Amount” shall have the meaning set forth in Section 2.01(a).

 

“Confidential
Information” shall mean (a) all non-public personal information, (b) all documents, materials, data, and/or information
in whatever form or format (including without limitation electronic media) that relates to Loans originated under this Loan Origination
Agreement or services provided under the Servicing Agreement or that relates to the business systems, practices, know-how, documents,
reports, plans, proposals, forecasts, personnel, policies, training materials, complaints, or business continuity plans of the
disclosing party and that is not generally known to the public, and (c) information that the disclosing party designates in writing
as confidential or proprietary information or that the receiving party has reasons to know is confidential or proprietary information.
Notwithstanding the foregoing, the following shall not constitute Confidential Information: (i) information that the receiving
party is required by Law or Governmental Authority to disclose, provided that such disclosure is limited to disclosing only the
reasonably required information in the manner required, (ii) information that otherwise becomes public other than as a result of
action by the receiving party, and (iii) information that the receiving party can demonstrate that it developed without reference
to the information received from the disclosing party.

 

“Credit Policy”
shall mean the credit policy adopted by Lender as set forth in Schedule A.

 

“Default”
shall mean (i) any breach or violation of, default under, contravention of, or conflict with, any contract, Law, Order, or Permit,
(ii) any occurrence of any event that with the passage of time or the giving of notice or both would constitute a breach or violation
of, default under, contravention of, or conflict with, any contract, Law, Order, or Permit, or (iii) any occurrence of any event
that with or without the passage of time or the giving of notice would give rise to a right of any Person to exercise any remedy
or obtain any relief under, terminate or revoke, suspend, cancel, or modify or change the current terms of, or renegotiate, or
to accelerate the maturity or performance of, or to increase or impose any liability under, any contract, Law, Order, or Permit.

 

“Dissolution
Event” shall have the meaning set forth in Section 6.04.

 

“External AML
Compliance Review” shall have the meaning given to such term in Section 5.01(a)(iv).

    	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

 

“Governmental
Authority” shall mean any federal, state or local governmental or regulatory authority, agency, court, tribunal, commission
or other regulatory entity asserting jurisdiction over either Party or the activities of either Party.

 

“Law”
shall mean any code, law (including common law), ordinance, regulation, reporting or licensing requirement, rule, or statute applicable
to a Person or its assets, liabilities, or business, including those promulgated, interpreted or enforced by any Governmental Authority.

 

“Lender”
shall have the meaning set forth in the Recitals hereto.

 

“Lien”
shall mean any security interest, mortgage, deed of trust, pledge, hypothecation, assignment, deposit arrangement, equity interest,
encumbrance, lien (statutory or other), preference, participation interest, priority or other security agreement or preferential
arrangement of any kind or nature whatsoever, including any conditional sale or other title retention agreement, or any financing
lease having substantially the same economic effect as any of the foregoing, and the filing of any financing statement under the
UCC or comparable law of any jurisdiction to evidence any of the foregoing.

 

“Loan”
shall mean a loan originated pursuant to this Loan Origination Agreement, together with any amounts, including interest, fees and
other charges, generated with respect thereto.

 

“Loan Origination
Agreement” shall mean this Loan Origination Agreement and the schedules hereto and all amendments hereto or thereto.

 

“Lockbox”
shall have the meaning given to such term in the Servicing Agreement.

 

“Noncompliance
Event” shall have the meaning given to such term in Section 5.03.

 

“OFAC list”
shall have the meaning given to such term in Section 5.01(a)(iv).

 

“Order”
shall mean any administrative decision or award, decree, injunction, judgment, order, quasi-judicial decision or award, ruling,
or writ of any federal, state, local or foreign or other court, arbitrator, mediator, tribunal, administrative agency, or Governmental
Authority.

 

“Outstanding
Balance” shall mean, as of any specified date, the face value of a Loan plus the amount of any interest, fees
or other amounts due under or with respect to such Loan minus any payments, credits, or other amounts credited against such
Loan, all as contemplated by the Servicing Agreement.

 

“Performance
Fee” shall have the meaning given to such term in the Servicing Agreement.

 

“Performance
Termination Event” shall have the meaning given to such term in Section 6.02.

    	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

 

“Performance
Threshold” shall mean the annualized monthly Portfolio Credit Losses as a percentage of the aggregate Outstanding Balances
of all Loans measured at month-end on a rolling three months basis.

 

“Permit”
shall mean any federal, state, local, and foreign governmental approval, authorization, certificate, easement, filing, franchise,
license, notice, permit, or right to which any Person is a party or that is or may be binding upon or inure to the benefit of any
Person or its securities, assets, or business.

 

“Person”
shall mean any legal person, including any individual, corporation, limited liability company, partnership, joint venture, association,
joint-stock company, trust, unincorporated organization, governmental entity or other entity of any nature.

 

“Portfolio
Credit Losses” shall mean, for each calendar month, an amount equal to (a) the Outstanding Balance of all Loans that
become past due by 90 or more days during such month or for which Servicer became aware during such month that the sole Borrower
or all Co-Borrowers (as applicable) are the subject of a bankruptcy or similar proceeding or have died, plus (b) to the
extent Lender is not otherwise compensated therefor, the portions of the Outstanding Balance of all
Loans that have been waived, compromised, settled or forgiven during such month (other than for Loans that were previously
included in Portfolio Credit Losses pursuant to clause (a)). For the avoidance of doubt, in no event shall the Portfolio Credit
Losses for a particular month include any amounts that were previously included in Portfolio Credit Losses for a prior month or
for which Lender was otherwise compensated.

 

“Prime Rate”
shall mean, as of any specified date, the “prime rate” as published in the “Money Rates” table in The
Wall Street Journal on such date. If more than one prime rate is published in the “Money Rates” table, the highest
of those rates will be the Prime Rate for purposes of this Loan Origination Agreement. If The Wall Street Journal
ceases to publish a “Money Rates” table or if a prime rate is no longer included in the rates published therein, Lender
and Servicer shall agree on a substitute that is a comparable index.

 

“Program Agreements”
shall mean the agreements entered into from time to time between Servicer (or its Affiliates) and Program Merchants under which
Servicer provides clerical, ministerial, and administrative services to Lenders in their origination of loans for the benefit of
Lender.

 

“Program Merchants”
shall mean manufacturers, dealers, merchants, providers, distributors, retailers, contractors and installers of goods and services
that have entered into Program Agreements to be authorized to participate in the GreenSky® Program.

 

“Regulatory
Termination Event” shall have the meaning given to such term in Section 6.05.

 

“Servicer”
shall have the meaning set forth in the Recitals hereto.

    	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

 

“Servicing
Agreement” shall mean the Servicing Agreement by and between Servicer and Lender.

 

“Servicing
Fee” shall have the meaning given to such term in the Servicing Agreement.

 

“Settlement
Amount” shall mean the amounts advanced by Lender to Borrowers or on behalf of Borrowers that constitute disbursements
of Loans to Borrowers.

 

“Settlement
Date” shall mean each Business Day on which Servicer notifies Lender of a Settlement Amount as provided in Section 2.01(b)(i)
below.

 

“Sponsors”
shall mean sponsors of Program Merchants that refer Program Merchants to participate in the GreenSky® Program.

 

“UCC”
shall mean the Uniform Commercial Code as in effect in the applicable jurisdiction.

 

“Underwriting
Criteria” shall mean the underwriting standards adopted and maintained by Lender for Loans reflected in Schedule A,
as they may be amended from time to time, (i) by agreement of the Parties, (ii) by Lender in response to advice or comments received
from a Governmental Authority upon 30 days advance written notice to Servicer or (iii) by Lender to the extent required by Law
upon written notice to Servicer.

 

Section 1.02 Other
Definitional Provisions.

 

(a)  All terms defined
in this Loan Origination Agreement shall have the defined meanings when used in any certificate, notice, or other document made
or delivered pursuant hereto unless otherwise defined therein.

 

(b)  The words “hereof,”
“herein” and “hereunder” and words of similar import when used in this Loan Origination Agreement
shall refer to this Loan Origination Agreement as a whole and not to any particular provision of this Loan Origination Agreement;
and section and schedule references contained in this Loan Origination Agreement are references to sections and schedules to this
Loan Origination Agreement unless otherwise specified.

 

ARTICLE II

LOAN ORIGINATION RIGHTS & OBLIGATIONS

 

Section 2.01 Loan
Origination Obligations.

 

(a) Origination
of Loans.

 

(i) GreenSky®
Program. As program administrator of the GreenSky® Program, Servicer shall use commercially reasonable efforts
to maintain and develop the network of

    	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

 

Program Merchants participating in the GreenSky® Program as a source for
Loans to be made by Lender pursuant to this Loan Origination Agreement.

 

(ii)  GreenSky®
Program Merchant and Sponsor Credentialing and Monitoring. Servicer will credential its Program Merchants and Sponsors according
to its customary practices, will make available to Program Merchants periodic guidance and training regarding consumer disclosure
standards for the GreenSky® Program, will monitor and review consumer complaints that it receives (and the resolution
thereof), and, where it deems appropriate, terminate relationships with Program Merchants and Sponsors when Program Merchants and
Sponsors have not complied with applicable Laws or the GreenSky® Program and have failed to resolve such non-compliance
to Servicer’s satisfaction or as Servicer otherwise deems appropriate in order to maintain the integrity of the GreenSky®
Program.

 

(iii) Testing
Period. Subject to the terms and conditions hereof, Lender will commit to fund Loans originated as part of the GreenSky®
Program that meet the Underwriting Criteria up to a maximum of [*****] dollars ($[*****].00) in aggregate outstanding principal
balances held on Lender’s balance sheet at any time (as it may be increased in accordance with Section 2.01(a), the “Commitment
Amount”) for a period commencing [*****].

 

[*****].

 

(iv)  Commitment
Amount after Testing Period. If Lender does not determine during the Testing Period that it wants to discontinue funding Loans
thereafter, subject to the terms and conditions hereof, and at a pace as agreed upon by Lender and Servicer, Lender will fund Loans
originated as part of the GreenSky® Program that meet the Underwriting Criteria up to a revised Commitment Amount of [*****]
dollars ($[*****].00) in aggregate outstanding principal balances held on Lender’s balance sheet at any time. [*****]. The
Commitment Amount may be further increased by written agreement between the Parties.

 

(v) Loan
Terms. Each Loan shall include an interest rate, loan term, repayment and other terms consistent with Schedule A and
shall be evidenced by Lender’s loan agreement substantially in the form attached hereto as Schedule C and other customary
documentation consistent with Lender’s lending practices.

 

(b) Settlement
Procedure.

 

(i) No later
than 12:00 noon (Eastern time) each Business Day, the “Settlement Date,” Servicer, by electronic transmission,
shall provide Lender’s designee with a report setting forth the calculation of the Settlement Amount and the payees thereof,
which may be a disbursement account from which further payments are to be made. The Settlement Amount shall be paid by Lender by
wire transfer, ACH or direct deposit to an account

    	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

 

designated in writing by an authorized officer of Servicer no later than 4:00
p.m. (Eastern time), unless Servicer is late in notifying Lender of the Settlement Amount due on the Settlement Date, in which
case Lender shall use all commercially reasonable efforts to send the Settlement Amount within the time period set forth above
or as soon thereafter as possible, but no later than 5:00 p.m. (Eastern time) of the next Business Day following such Lender’s
receipt of notice from Servicer.

 

(ii) All
amounts paid on the Loans by Borrowers shall be deposited into the Lockbox or the ACH Account, as applicable, and shall be disbursed
therefrom in accordance with the terms and procedures set forth in the Servicing Agreement. In the event that Servicer shall at
any time receive any other payment with respect to any Loan from a Borrower, Servicer shall promptly forward such amount into the
Lockbox.

 

Section 2.02 Dispute
over Settlement Amount.

 

(a) In the event
Lender disputes the accuracy of the Settlement Amount provided by Servicer, Lender promptly shall notify Servicer, but such notice
shall not affect Lender’s obligation for timely payment of the Settlement Amount as provided by Servicer, unless the Settlement
Amount would cause the aggregate outstanding principal balances to exceed the Commitment Amount. Payment of any Settlement Amount
shall not constitute a waiver by Lender of the right to dispute the accuracy of such Settlement Amount, and any such dispute shall
be resolved promptly.

 

(b) In the event
it is determined that Lender was correct in disputing the accuracy of the Settlement Amount for a given day, Servicer promptly
shall remit to Lender the overpayment amount due Lender with interest thereon computed at the per annum rate equal to the Prime
Rate in effect on the date the Settlement Amount was paid.

 

Section 2.03 Improper
Loans. As Lender’s non-exclusive remedy, Servicer shall immediately reimburse the Lender for any Loan found to be improperly
(under the terms of this Loan Origination Agreement) or illegally (including for non-compliance with any Law) originated, by paying
Lender an amount equal to the Outstanding Balance of such Loan (except to the extent that Lender previously has been paid for the
receivable attendant to such Loan pursuant to the Servicing Agreement or otherwise). Lender shall remain the lender of record for,
and continue to own any such Loan, unless the Loan is assigned to another lender in the GreenSky® Program.

 

Section 2.04 Allocation
of Loans. [*****].

 

Section 2.05 Portfolio
Data. Notwithstanding anything to the contrary contained in this Loan Origination Agreement, but subject to applicable Law,
Servicer may share any portfolio data associated with the Loans that does not contain personal identifying information of a Borrower
and does not identify Lender by name with the Program Merchants and Sponsors, potential and actual financing sources and investors
for Servicer’s business, Servicer’s business partners and professional advisors.

    	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

 

Section 2.06 Intent
of Parties. The Loans shall at all times be the property of Lender and at no point shall Servicer have an ownership interest
therein nor shall Lender be deemed to be a lender to Servicer. Notwithstanding the foregoing, in the event and to the extent that
Servicer is deemed to have an ownership interest in any Loans (as a result of the Uniform Commercial Code or otherwise), Servicer
hereby grants to Lender a security interest in all of its right, title and interest, whether now existing or hereafter acquired,
in, to and under such Loans and the proceeds thereof.

 

Section 2.07 Non-Exclusivity.
Lender understands and agrees that the customer relationships with the Borrowers established as a result of Lender’s participation
in the GreenSky® Program are non-exclusive to Lender (and Servicer shall have the right to market other products
and services to Borrowers based upon a Loan or the Borrower’s application for a Loan, subject to compliance with the Gramm-Leach-Bliley
Act (Regulation P) to the extent applicable). During the term of this Loan Origination Agreement, Lender agrees not to solicit
Borrowers for the express purpose of refinancing a loan originated under the GreenSky® Program. For the purpose
of clarification, any restrictions contained in this Agreement shall have no effect on: (i) any customer relationships by and between
Lender and a Borrower established independently of the GreenSky® Program, (ii) existing banking or lending relationships
between Lender and a Borrower or a banking or lending relationship that arises in the future, whether or not solicited by Lender
as part of a solicitation of Borrower by Lender, (iii) by means of any general solicitation for Lender products or services not
specifically targeted at Borrowers, (iv) non-credit related services and products offered from time to time by Lender, or (v) any
solicitation of Borrowers who participate in GreenSky® Program Loans as a result of Merchant Referrals. Lender agrees
that Borrowers may be solicited for other products or services in connection with the GreenSky® Program, and Lender
will share information with Servicer for such purposes based on the written instruction of the Borrower to Lender to share nonpublic
financial information with Servicer.

 

Section 2.08 Exclusive
Program. Lender agrees that, by participating in the GreenSky® Program, neither it nor its Affiliates will provide
Program Merchants and Sponsors with close-end loan customer financing for goods or services offered by Program Merchants and Sponsors
other than pursuant to this Loan Origination Agreement during [*****].

 

ARTICLE III

 

INDEMNIFICATION AND DAMAGES

 

Section 3.01 Damages.
Subject to Section 3.03, each Party shall be entitled to all monetary and equitable relief awarded to them by an arbitrator or,
if applicable, a court, for a breach by the other Party of its representations, warranties, covenants or other agreements contained
in this Loan Origination Agreement.

 

Section 3.02 Indemnification.
To the fullest extent permitted by law, each Party hereby agrees to indemnify, defend and hold harmless the other Party, its affiliates,
officers, directors,

    	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

 

managers, employees, and agents (collectively, “indemnified parties”) from and against
any and all losses, liabilities, claims, demands, damages, penalties, fines costs and expenses (including actual, reasonable attorneys’
fees and disbursements) of every, kind, nature and description (“Damages”) sustained or incurred by the indemnified
parties, or any of them, that arise out of or relate to: (i) any material breach by the indemnifying Party of any representation,
warranty or covenant applicable to such Party; and (ii) any gross negligence, willful misconduct or bad faith by the indemnifying
party in connection with this Loan Origination Agreement, or the transactions contemplated herein. Without limiting the foregoing,
Servicer hereby agrees to indemnify, defend and hold harmless Lender and its indemnified parties from and against any Damages that
arise out of or relate to the failure of Servicer, its agents or subcontractors to obtain and maintain any licenses or permits
required by any Governmental Authority pursuant to any Governmental Requirements to be obtained or maintained by Servicer, its
agents or subcontractors in connection with the services described in this Agreement. In addition, to the extent commercially practical,
Servicer will enforce the contractual provisions of any Program Merchant Agreement affording indemnification or other similar rights
for the benefit of Servicer or Lender, as applicable.

 

Section 3.03 Types
of Damages. Notwithstanding the foregoing, or any breach of contract or other remedies provided for under applicable Law, in
no event shall either Party, or any of their respective affiliates, officers, directors, managers, employees, or agents be liable
for any indirect, incidental, special, punitive, exemplary or consequential damages of any type whatsoever, including without limitation
lost profits (even if advised of the possibility thereof) arising in any way from the transactions contemplated hereunder, except
insofar as (a) the Performance Fee and Servicing Fee may be deemed to embody these types of damages, or (b) such damages have been
determined by a court of competent jurisdiction to be owed to an unrelated third party.

 

ARTICLE IV

REPRESENTATIONS AND WARRANTIES

 

Section 4.01 Representations
and Warranties of Servicer. As of the date hereof and as of each Settlement Date, Servicer hereby represents and warrants to,
and agrees with, Lender that:

 

(a) Organization.
Servicer is a limited liability company duly organized, validly existing and in good standing under the laws of the State of Georgia.
Servicer shall be entitled, however, to convert into a Georgia or Delaware corporation.

 

(b) Capacity;
Authority; Validity. Servicer has all necessary company power and authority to enter into this Loan Origination Agreement and
to perform all of the obligations to be performed by it under this Loan Origination Agreement. This Loan Origination Agreement
and the consummation by Servicer of the transactions contemplated hereby have been duly and validly authorized by all necessary
company action on the part of Servicer, and this Loan Origination Agreement has been duly executed and delivered by Servicer and
constitutes the valid and binding obligation of Servicer, enforceable against Servicer in accordance with its terms (except as
such

    	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

 

enforceability may be limited by equitable limitations on the availability of equitable remedies and by bankruptcy and other
laws affecting the rights of creditors generally).

 

(c) Conflicts;
Defaults. Neither the execution and delivery of this Loan Origination Agreement by Servicer nor the consummation of the transactions
contemplated by this Loan Origination Agreement by Servicer will (A) conflict with, result in the breach of, constitute a default
under, or accelerate the performance required by, the terms of any contract, instrument or commitment to which Servicer is a party
or by which Servicer is bound, including without limitation, any Program Agreement, (B) violate the governing documents of Servicer,
(C) result in the creation of any lien, charge or encumbrance upon any of the Loans (except pursuant to the terms hereof), (D)
require the consent or approval under any judgment, order, writ, decree, permit or license to which Servicer is a party or by which
it is bound, or (E) require the consent or approval of any other party to any contract, instrument or commitment to which Servicer
is a party or by which it is bound.

 

(d) Litigation.
There is no claim, or any litigation, proceeding, arbitration, investigation or controversy pending, to which Servicer is a party,
or by which it is bound, which materially adversely affects Servicer’s ability to consummate the transactions or obligations
contemplated.

 

(e) No Consent;
Etc. No consent of any Person (including without limitation any member or creditor of Servicer) and no consent, license, permit
or approval or authorization or exemption by notice or report to, or registration, filing or declaration with, any Governmental
Authority is required (other than those previously obtained) in connection with the execution or delivery of this Loan Origination
Agreement by Servicer, the validity of this Loan Origination Agreement with respect to Servicer, the enforceability of this Loan
Origination Agreement against Servicer, the consummation by Servicer of the transactions contemplated hereby or the performance
by Servicer of its obligations hereunder, except insofar as the absence thereof would not result in a materially adverse impact
on Servicer, Lender or the Loans.

 

(f) No Material
Adverse Effect. No event has occurred and is existing which would have a material adverse effect on the financial condition
or operations of Servicer or its ability to perform its obligations hereunder.

 

(g) Compliance
with Law. Servicer has complied in all material respects with all applicable Laws, Orders, judgments, injunctions, decrees
or awards to which it is subject and that relate in any way to this Loan Origination Agreement or the performance by Servicer of
its obligations hereunder. Servicer has in effect all Permits necessary for it to own, lease, or operate its assets and to carry
on its business in all material respects as now conducted, and such Permits are in full force and effect, and there has occurred
no Default under any such Permit. Servicer is not in receipt of any written notification or communication from any Governmental
Authority (i) asserting that Servicer is not in compliance with any of the Laws or Orders that such Governmental Authority enforces
where such noncompliance would have a materially adverse effect on Servicer’s ability to perform its obligations hereunder,
(ii) threatening to revoke any Permits that

    	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

 

are material to Servicer’s performance of its obligations hereunder, or (iii)
requiring Servicer to enter into or consent to the issuance of a cease and desist order, consent order, formal agreement, directive,
commitment, or memorandum of understanding, or to adopt any board resolution or similar undertaking, which restricts the conduct
of its business in a manner that would have a materially adverse effect on the ability of Servicer to perform its obligations hereunder.

 

(h) Enforceability.
This Loan Origination Agreement constitutes a legal, valid, and binding obligation of Servicer enforceable against Servicer in
accordance with its terms, except as such enforceability may be limited by applicable bankruptcy, insolvency, or similar laws affecting
creditors’ rights generally or general principles of equity.  

 

(i) Ownership.
Except as otherwise provided herein, upon the funding of a Loan by Lender, Lender shall have full right, title and interest in
each such Loan free and clear of all Liens or other encumbrances other than those imposed as a result of Lender’s own actions.

 

(j) Accuracy of
Information. Assuming the accuracy of the information provided by Borrowers, all information and documentation relating to
the Loans submitted to Lender by Servicer pursuant to this Loan Origination Agreement is true and correct in all material respects
and accurately reflects the status of each Loan and the indebtedness to which such documentation relates.

 

Section 4.02 Representations
and Warranties of Lender. As of the date hereof and as of each Settlement Date, Lender hereby represents and warrants to, and
agrees with, Servicer that:

 

(a) Organization.
Lender is a state-chartered, FDIC-insured bank duly organized, validly existing and in good standing
under the laws of the State of Ohio.

 

(b) Capacity;
Authority; Validity. Lender has all necessary power and authority to enter into this Loan Origination Agreement and to
perform all of the obligations to be performed by it under this Loan Origination Agreement. This Loan Origination Agreement
and the consummation by Lender of the transactions contemplated hereby have been duly and validly authorized by all necessary
action on the part of Lender, and this Loan Origination Agreement has been duly executed and delivered by Lender and
constitutes the valid and binding obligation of Lender and is enforceable against Lender in accordance with its terms (except
as such enforceability may be limited by equitable limitations on the availability of equitable remedies and by bankruptcy
and other laws affecting the rights of creditors generally).

 

(c) Conflicts;
Defaults. Neither the execution and delivery of this Loan Origination Agreement by Lender nor the consummation of the transactions
contemplated by this Loan Origination Agreement by Lender, will (A) conflict with, result in the breach of, constitute a default
under, or accelerate the performance provided by the terms of any contract, instrument or commitment to which Lender is a party
or by which it is bound, (B) violate the certificate of incorporation or bylaws, or other equivalent organizational document of
Lender, (C) require any consent or approval under any judgment, order, writ, decree, permit or license to which Lender is

    	11

    	

    

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

 

a party
or by which it is bound, or (D) require the consent or approval of any other party to any contract, instrument or commitment to
which Lender is a party or by which it is bound.

 

(d) Litigation.
There is no claim, or any litigation, proceeding, arbitration, investigation or controversy pending, to which Lender is a party
or by which it is bound, which materially adversely affects Lender’s ability to consummate the transactions contemplated
hereby.

 

(e) No Consent,
Etc. No consent of any Person (including without limitation any stockholder or creditor of Lender) and no consent, license,
permit or approval or authorization or exemption by notice or report to, or registration, filing or declaration with, any Governmental
Authority is required (other than those previously obtained) in connection with the execution or delivery of this Loan Origination
Agreement by Lender, the validity of this Loan Origination Agreement with respect to Lender, the enforceability of this Loan Origination
Agreement against Lender, the consummation by Lender of the transactions contemplated hereby, or the performance of Lender of its
obligations hereunder, except insofar as the absence thereof would not result in a materially adverse impact on Lender, Servicer,
or the Loans.

 

(f) Compliance
with Laws. The Underwriting Criteria and Credit Policy are consistent with Lender’s lending authority under state
and federal law, and Lender shall notify Servicer immediately of any change to such lending authority. Lender’s
deposits are insured by the Federal Deposit Insurance Corporation and Lender has in effect all Permits necessary for it to
own, lease, or operate its assets and to carry on its business in all material respects as now conducted, and such Permits
are in full force and effect, and there has occurred no Default under any such Permit. Lender is not in receipt of any
written notification or communication from any Governmental Authority (i) asserting that Lender is not in compliance with any
of the Laws or Orders that such Governmental Authority enforces where such noncompliance would have a materially adverse
effect on Lender’s ability to perform its obligations hereunder, (ii) threatening to revoke any Permits that are
material to Lender’s performance of its obligations hereunder, or (iii) requiring Lender to enter into or consent to
the issuance of a cease and desist order, consent order, formal agreement, directive, commitment, or memorandum of
understanding, or to adopt any board resolution or similar undertaking, which restricts materially the conduct of its
business or in any manner relates to capital adequacy, credit or reserve policies or management that would have a materially
adverse effect on the ability of Lender to perform its obligations hereunder.

 

Section 4.03 Notice
of Breach. Upon discovery by either Servicer or Lender of a breach of any of the representations and warranties set forth in
this Article IV, the Party discovering such breach shall give written notice to the other Party as soon as possible.

 

ARTICLE V

COVENANTS

 

Section 5.01 Covenants
of Servicer and Lender.

    	12

    	

    

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

 

(a) Covenants
of Servicer. Servicer hereby covenants and agrees to provide the following services to the Lender and to take the following
actions:

 

		(i)	Investigation. Servicer, on behalf of Lender, will obtain a credit report on each Borrower from a nationally recognized
credit bureau, and will maintain a system that reviews both the Credit Application and such report for compliance with the Underwriting
Criteria and Credit Policy (and test such system routinely, but no less than quarterly during the term of this Agreement).

 

		(ii)	Program Merchants Compliance. Servicer shall maintain policies and procedures governing
the selection of Program Merchants and the oversight of the Program Merchants’ compliance with the GreenSky®
Program, as currently set forth in Servicer’s Merchant Underwriting Policy and Guidelines and Merchant Management Guidelines
(as such policies may be amended, restated or superseded from time to time in Servicer’s discretion). Servicer shall use
commercially reasonable efforts to enforce such policies and procedures and, if Servicer determines that a Program Merchant is
not in compliance with such policies and procedures, Servicer shall take such action as Servicer deems appropriate to remedy the
non-compliance or to terminate Servicer’s relationship with the Program Merchant. Servicer shall maintain reasonable records
related to Servicer’s actions as it relates to any such non-compliance by any Program Merchant.

 

		(iii)	Documentation. Servicer, on behalf of Lender, will maintain a loan file for each Loan (which
may be electronic) that will contain all agreements evidencing the Loans, all underwriting documents, all collection notes and
all legally required disclosures.
	 	 	 
	 	(iv)	Anti-Money Laundering and High-Risk Program Merchants and Sponsors. Servicer
currently has and shall continue to maintain and enforce policies and procedures (the “AML Program”) that meet
industry standards for compliance with all applicable anti-money laundering laws, including without limitation the Bank Secrecy
Act and the USA Patriot Act, as amended, and any similar applicable Governmental Requirements (collectively “AML Laws”).
In originating the Loans, Servicer and any third parties involved in Lender’s origination of the Loans will comply
with the AML Program and the AML Laws. Without by implication limiting the generality of the foregoing,
Servicer and any third parties involved in Lender’s origination of the Loans, on behalf of Lender, will conduct the requisite
due diligence in connection with the origination of the Loans and the collection and verification of all Borrowers’ identification
information for the purpose of AML Laws using the non-documentary method under the AML Laws and will make available to Lender (during
normal business

    	13

    	

    

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

 

		 	hours for inspection at Servicer’s
facility or as otherwise agreed by the Parties) sufficient information to evidence such actions and identify the applicable Borrowers
for purpose of the recordkeeping requirements under applicable AML Laws. Servicer, on behalf of Lender, shall take commercially
reasonable steps to ensure that each Borrower is not on any list maintained by the United States Treasury Department’s Office
of Foreign Assets Control (the “OFAC list”) of prohibited persons, entities, or prohibited or restricted jurisdictions.
Servicer’s obligation to monitor Borrowers under this Section 5.01(a)(iv) shall include, but is not limited to, initial
and on-going monitoring of all participants in the GreenSky® Program that make or receive disbursements
or payments under the GreenSky® Program. Upon request, Servicer shall provide documents
and information requested by Lender demonstrating Servicer’s compliance with the AML Laws, including, but not limited to,
customer information that was required to be collected during any loan origination process. The Servicer shall share with Lender
the results of its most recent 2016 External AML Compliance Review (subject to applicable disclosure restrictions with respect
to such review and, if required, Lender’s execution of non-reliance letters, and subject to such results not being privileged)
and shall have a third-party (such third party shall be reasonably acceptable to Lender) compliance review performed to test the
AML Program’s sufficiency and compliance with AML Laws (the “External AML Compliance Review”) at a frequency
of no less than every 18 months. Servicer shall share the results of the External AML Compliance Review with the Lender (subject
to applicable disclosure restrictions with respect to such review and, if required, Lender’s execution of non-reliance letters,
and subject to such results not being privileged) and shall implement recommendations as agreed upon between Servicer and Lender.
In addition, in an effort to ensure that Servicer provides Borrowers and potential Borrowers with the appropriate disclosures
required by AML Laws, Servicer shall include in all applicable applications, disclosure materials or consumer contracts of Borrowers
and potential Borrowers of Lender (to the extent required by the AML Laws) the following language, in substantially the same form
and substance: “Important Information About Procedures for Opening a New Account. To help the government fight the funding
of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information
that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license
or other identifying documents.” [*****].
	 	 	 
	 	(v)	Reasonable Steps. With respect to each individual assigned by Servicer to perform services
for Lender, Servicer has taken, or will take, all

    	14

    	

    

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

 

 

		 	commercially reasonable steps:
(a) to ensure that such individual has not been convicted of any felony or aggravated misdemeanor and has not been banned from
the business of banking; (b) to verify that such individual, if performing services in the United States, is eligible to work
in the United States in accordance with all applicable laws; and (c) to ensure that such individual is not on any OFAC list. Servicer
has taken, and will take, all commercially reasonable steps to ensure that no entity to which Servicer subcontracts any work under
this Loan Origination Agreement or the Servicing Agreement is on the OFAC list. Servicer represents that neither it, nor any of
its owners (including without limitation its shareholders, partners and members, as applicable), are on the OFAC list.

 

		(vi)	Ownership Interests. Servicer will not take any action inconsistent with Lender’s
ownership of the Loans, or grant, create, incur, assume or suffer to exist any Lien (arising through or under Servicer) on, any
Loan, whether now existing or hereafter created, or any interest therein, and Servicer shall not claim any ownership interest in
the Loans and shall defend the right, title and interest of Lender in, to and under the Loans, whether now existing or hereafter
created, against all claims of third parties claiming through or under Servicer.

 

		(vii)	SOC 1 Report. Annually, Servicer shall provide Lender with a SOC 1 Report (Type II) issued in accordance with the Statement
on Standards for Attestations Engagements No. 16 (or the successor thereto) from a qualified audit firm that is acceptable to Lender
in its reasonable discretion and shall promptly correct any material deficiencies identified therein.

 

		(viii)	Insurance Coverage. Servicer shall maintain the insurance coverage described in Schedule B with a carrier rated “A
VIII” or higher by A.M. Best or that otherwise is reasonably acceptable to Lender, whose approval will not be unreasonably
withheld or delayed. Servicer will furnish a certificate of insurance showing the required insurance is in force and satisfies
this requirement upon Lender’s request.

 

		(ix)	Backup Servicer. Servicer shall maintain a contractual arrangement with Systems & Services Technologies, Inc. or
another third-party service provider who is reasonably acceptable to Lender, whose approval will not be unreasonably withheld or
delayed, to provide back-up services to Lender in the event Servicer is unable to fulfill its servicing obligations under the Servicing
Agreement.

 

		(x)	Audited Financial Statements. Servicer will provide Lender with its annual audited financial statements within 120 days
of the end of each fiscal year of Servicer.

    	15

    	

    

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

 

		(xi)	Official Records. Servicer shall maintain this Loan Origination Agreement as a part of its
official records.

 

		(xii)	Information Security. As an initial condition to the funding of Loans, Servicer will cooperate
with Lender in the completion of Lender’s Security Checklist and Application Review process and the results of the responses
must be reasonably satisfactory to Lender for Servicer to become an approved provider of Lender.

 

(b) Covenants of Lender.
Lender covenants that it will provide Servicer with any reasonably requested information necessary to enable Servicer to determine
Lender’s compliance with Section 4.02(f) of this Loan Origination Agreement.

 

Section 5.02 Marketing
Matters. Any marketing materials used by Servicer to promote the GreenSky® Program will comply with applicable
Law. Lender may publicize its involvement with the GreenSky® Program consistent with the GreenSky®
Program guidelines and subject to Servicer’s prior written consent, which consent will not be unreasonably withheld or delayed.
Lender shall retain full control over the use of Lender’s name and trademarks, although Servicer shall be entitled to use
Lender’s name in connection with servicing the Loans to the extent contemplated by the Servicing Agreement.

 

Section 5.03 Inspections.
Lender may individually or via a third party audit Servicer for compliance with the terms of this Agreement. Servicer agrees
to make available its facilities, personnel and records when reasonably requested by Lender: (i) on a quarterly basis to
enable Lender or its auditors to perform agreed upon audit procedures on Servicer’s accounting, information technology,
Loan origination, loan servicing and collection policies and operations and (ii) on a quarterly basis to permit statistical
sampling to confirm the satisfaction of the Underwriting Criteria and the performance of the Loans. Servicer agrees to
respond to Lender in writing within 30 days of its receipt of written notice of any deficiencies identified during these
audits or otherwise, and, in the event that Servicer does not correct any deficiencies material to the Loans taken as a whole
identified during these audits within 30 days of Servicer’s response to Lender, then it shall be deemed to be a
“Noncompliance Event.” Lender’s failure to exercise its right to audit Servicer or request
corrections pursuant to this Section shall not act as a waiver of any of its rights or remedies under this Loan Origination
Agreement. Each Party shall make available its facilities, personnel and records with regard to the matters relating the
Loans for examination or audit when requested by a Governmental Authority.

 

Section 5.04 Bank
Advisory Committee. Within 90 days after the Effective Date, Servicer will form an advisory committee comprised of at least
4 members, which members shall be representatives of banks that are parties to a loan origination agreement and servicing agreement
with Servicer, whose Loans originated through such loan origination agreements exceed 10% of the total Loans serviced using the
GreenSky® Program and who are willing to have a representative serve on such committee (the “Bank Advisory
Committee”). Notwithstanding the foregoing,

    	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

 

Lender will be permitted to appoint one representative to the Bank Advisory
Committee as long as Lender continues to fund Loans under this Loan Origination Agreement. The purpose of the Bank Advisory Committee
is to provide Servicer with periodic non-binding input and advice with respect to operational and other topics impacting the GreenSky®
Program. The Bank Advisory Committee shall not consider topics such as pricing or market allocation or any other topic that Servicer
or any member of the Bank Advisory Committee considers anti-competitive. The Bank Advisory Committee will meet from time to time
upon the request of Servicer or of a majority of the members of the Bank Advisory Committee, but no less frequently than quarterly.

 

Section 5.05 [*****].

 

ARTICLE VI

TERM, TERMINATION AND PURCHASE

 

Section 6.01 Term.
This Loan Origination Agreement shall commence as of the Effective Date and shall continue until the 3rd anniversary
of the Effective Date, provided that such date shall be extended automatically for additional one year periods without further
action by the Parties, unless not less than 90 days prior to the expiration date then in effect either party gives the other party
written notice of nonrenewal.

 

Section 6.02 Performance
Termination. Lender may terminate this Loan Origination Agreement upon 90 days prior written notice to Servicer if (i)
Servicer is in Default under the Servicing Agreement or (ii) the Performance Threshold is greater than [*****].00% (each a
“Performance Termination Event”). If such Performance Termination Event is not cured within 30 days after
Servicer receives notice of the Performance Termination Event, this Loan Origination Agreement will be terminated, although
Lender shall continue to be obligated to fund all approved but unfunded Loans that conform to the Credit Policy as of the day
prior to the termination date set forth in the notice of the Performance Termination Event. Notwithstanding the foregoing, in
the event of the limited circumstances described in Sections 2.01(a)(iii), 6.03, 6.04 and 6.05, the provisions of Section
2.01(a)(iii), 6.03, 6.04 or 6.05 (as applicable), including the notice and cure periods contemplated therein, shall
apply.

 

Section 6.03 Noncompliance
Termination. In the event that Servicer does not remedy a Noncompliance Event as required by Section 5.03, Lender shall be
entitled to terminate this Loan Origination Agreement upon 10 days prior written notice. Notwithstanding the foregoing, Lender
shall continue to be obligated to fund all unfunded Loans that conform to the Credit Policy approved as of the day prior to the
termination date set forth in the notice of the Noncompliance Event.

 

Section 6.04 Dissolution
Termination. If Servicer voluntarily goes into liquidation or consents to the appointment of a conservator, receiver or liquidator
in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceeding of or relating to Servicer
or of or relating to all or substantially all its property, or a decree or order of a court or agency or

    	17

    	

    

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

 

supervisory authority
having jurisdiction in the premises for the appointment of a conservator, receiver or liquidator in any insolvency, readjustment
of debt, marshalling of assets and liabilities or similar proceeding, or for the winding-up or liquidation of its affairs, shall
have been entered against Servicer, or Servicer shall admit in writing its inability to pay its debts generally as they become
due, file a petition to take advantage of any applicable insolvency or reorganization statute, make an assignment for the benefit
of its creditors or voluntarily suspend payment of its obligations (such voluntary liquidation, appointment, entering of such decree,
admission, filing, making or suspension, a “Dissolution Event”), Lender shall have the right, at Lender’s
sole option upon or following the date of any such Dissolution Event, to terminate this Loan Origination Agreement by written notice
to Servicer, and, thereupon, Lender shall have no further duties or obligations to fund Loans. Servicer shall promptly give notice
to Lender of any Dissolution Event. Notwithstanding the foregoing, Lender shall continue to be obligated to fund all approved but
unfunded Loans that conform to the Credit Policy as of the day prior to the termination date set forth in the notice of the Dissolution
Event until such time as all such Loans have been funded.

 

Section 6.05 Regulatory
Termination Event. Lender may, upon 90 days prior written notice to Servicer (or such shorter time period as is required
by a Governmental Authority or by applicable Law), terminate this Loan Origination Agreement (a) in whole or in part as may
be required to meet the requirements of a Governmental Authority, if Lender receives written notification from a Governmental
Authority indicating that the relationship created between Lender and Servicer by this Loan Origination Agreement and/or the
Servicing Agreement breaches, violates, contravenes or conflicts with any Law, Order, or Permit applicable to Lender in any
material respect, (b) consistent with regulatory guidance obtained or derived by Lender in good faith from a Governmental
Authority with jurisdiction over financial institutions; (c) in whole or in part, as applicable, if as a result of such Loan
Origination Agreement or the Loans contemplated hereby, Lender is subject to unduly burdensome regulatory restrictions or (d)
in part with respect to any Program Agreement, if Lender receives written notification from a Governmental Authority
indicating that such Program Agreement breaches, violates, contravenes or conflicts with any applicable Law, Order, or Permit
in any material respect (any such event, a “Regulatory Termination Event”), in each case subject to the
right of Servicer to cure such breach, violation, contravention, conflict or restriction within 30 days after Servicer
receives notice of the Regulatory Termination Event, to the extent that Lender reasonably believes such Regulatory
Termination Event is curable by Servicer. In the event of a termination, Lender shall continue to be obligated to fund all
unfunded Loans that conform to the Credit Policy approved on or before the day prior to the termination date set forth in the
notice of the Regulatory Termination Event unless otherwise prohibited from doing so by the Governmental Authority. In the
event Lender receives a binding and valid cease and desist order or other Order from a Governmental Authority preventing it
from lawfully funding and originating Loans under this Loan Origination Agreement, the cure periods set forth above in this
Section 6.05 will not apply, and Lender may immediately cease its originating and funding Loans under this Loan
Origination Agreement.

 

Section 6.06 Optional
Purchase. To maintain the consistency and continuity of the GreenSky® Program, if at any time this Loan Origination
Agreement expires or is terminated by Lender for any reason, Servicer may purchase all, but not less than all, of the receivables
attendent

    	18

    	

    

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

 

to the Loans (or arrange for the purchase of the receivables by a third party) from Lender, free and clear of all Liens,
for an amount [*****]. Servicer may exercise this optional purchase at any time up to 90 days after the expiration or termination
date, as applicable, by delivery of the purchase price to Lender; otherwise, such optional purchase right shall expire as of the
91st day after the expiration or termination date. Notwithstanding any optional purchase of receivables by Servicer,
Lender will remain the lender of record, and continue to own, any such Loans, unless the Loans are assigned to another lender in
the GreenSky® Program.

 

ARTICLE VII

MISCELLANEOUS PROVISIONS

 

Section 7.01 Amendment.
This Loan Origination Agreement may not be modified or amended except by a writing executed by both Parties hereto.

 

Section 7.02 Governing
Law. THIS LOAN ORIGINATION AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF GEORGIA, WITHOUT
REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED
IN ACCORDANCE WITH SUCH LAWS.

 

Section 7.03 Notices.
All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given when
actually delivered by a nationally recognized overnight courier or, if rejected by the addressee, when so rejected, or, if
mailed, when deposited in the United States mail, as first class, certified or registered mail postage prepaid, directed to
the address shown as follows:

 

	If to Servicer:	GreenSky, LLC
	 	5565 Glenridge Connector, Suite 700
	 	Atlanta, Georgia 30342
	 	Attention: President
	 	 
	With copy to:	GreenSky, LLC
	 	5565 Glenridge Connector, Suite 700
	 	Atlanta, Georgia 30342
	 	Attention: General Counsel
	 	 
	If to Lender:	Fifth Third Bank
	 	38 Fountain Square Plaza, MD 10904F
	 	Cincinnati, Ohio 45263
	 	Attention: Mark Erhardt
	 	Cc: Vanessa Indriolo Vreeland

    	19

    	

    

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

 

Either Party shall have the right to change
its notice address to another address within the continental United States of America upon providing notice to the other Party.

 

Section 7.04 Severability
of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Loan Origination Agreement shall
for any reason whatsoever be held invalid, then such covenants, agreements, provisions, or terms shall be deemed severable from
the remaining covenants, agreements, provisions, and terms of this Loan Origination Agreement and shall in no way affect the validity
or enforceability of the other provisions of this Loan Origination Agreement.

 

Section 7.05 Assignment. This
Loan Origination Agreement is binding upon the Parties and their successors and assigns. Either Party
may assign this Loan Origination Agreement or delegate part or all of its rights or obligations
hereunder to a financially responsible Affiliate. In addition, Lender may sell, assign, convey or grant a security interest in
all or part of the Loans made by it to any Person without limitation or restriction provided that any Person that acquires any
interest therein agrees to be bound by the terms of this Loan Origination Agreement, and either
Party may assign its interest hereunder as part of the sale of all or substantially all of its assets or business. Otherwise, neither
Party can assign this Loan Origination Agreement or any of its rights or obligations hereunder
without the prior written consent of the other Party, which may be withheld. Any purported assignment to a Person, without such
prior written consent shall be void.

 

Section 7.06 Further
Assurances. Servicer and Lender agree to do and perform, from time to time, any and all acts and to execute any and all
further instruments required or reasonably requested by the other Party more fully to effect the purposes of this Loan
Origination Agreement, including, without limitation, the authorization or execution of any financing statements or
amendments thereto or equivalent documents relating to the Loans for filing under the provisions of the UCC or other law of
any applicable jurisdiction and to provide prompt notification to the other Party of any change in the name or the type or
jurisdiction of organization of such Party.

 

Section 7.07 No
Waiver; Cumulative Remedies. No failure to exercise and no delay in exercising, on the part of Servicer or Lender, any right,
remedy, power or privilege hereunder, shall operate as a waiver thereof; nor shall any single or partial exercise of any right,
remedy, power or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy,
power or privilege. The rights, remedies, powers and privileges herein provided are cumulative and not exhaustive of any rights,
remedies, powers and privileges provided by law.

 

Section 7.08 Counterparts.
This Loan Origination Agreement may be executed in two or more counterparts (and by different Parties on separate counterparts),
each of which shall be an original, but all of which together shall constitute one and the same instrument.

 

Section 7.09 Binding;
Third-Party Beneficiaries. This Loan Origination Agreement will inure to the benefit of and is binding upon the Parties hereto
and their respective successors and

    	20

    	

    

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

 

permitted assigns. There are no intended third-party beneficiaries of this Loan Origination
Agreement.

 

Section 7.10 Merger
and Integration. Except as specifically stated otherwise herein, this Loan Origination Agreement and the schedules hereto set
forth the entire understanding of the Parties relating to the subject matter hereof, and all prior understandings, written or oral,
are superseded by this Loan Origination Agreement.

 

Section 7.11 Headings.
The headings are for purposes of reference only and shall not otherwise affect the meaning or interpretation of any provision hereof.

 

Section 7.12 Survival. All representations,
warranties and agreements contained in this Loan Origination Agreement shall remain operative and in full force and effect and
shall survive the termination of this Loan Origination Agreement. In addition, the termination or expiration of this Loan Origination
Agreement shall not affect the rights of either Party to recover for breaches occurring prior thereto or with respect to provisions
of this Loan Origination Agreement that by their terms continue after termination.

 

Section 7.13 Arbitration;
Jury Trial. If there shall be any dispute arising out of or in any way relating to this Loan Origination Agreement, the contemplated
transactions, any document referred to or incorporated herein by reference or centrally related to the subject matter hereof, or
the subject matter of any of the same, the Parties covenant and agree as follows:

 

(a) The Parties shall
first use their reasonable best efforts to resolve such dispute among themselves, with or without mediation.

 

(b) If the Parties
are unable to resolve such dispute among themselves, such dispute shall be submitted to mandatory binding arbitration in Atlanta,
Georgia under the auspices of, and pursuant to the rules of, the American Arbitration Association’s Commercial Arbitration
Rules as then in effect, or such other procedures as the Parties may agree to at the time, before three arbitrators, one of whom
shall be selected by Lender, one of whom shall be selected by Servicer and one of whom shall be selected upon the agreement of
the arbitrators selected by Lender and Servicer. Any award issued as a result of such arbitration shall be final and binding between
the Parties. After the Parties have complied with the mandatory arbitration provisions in this Section 7.13, the Parties agree
that all subsequent actions or proceedings arising in connection with or related to this Loan Origination Agreement, including
the enforcement of any arbitration award or decision hereunder, shall be tried and determined only in the state or federal courts
located in Atlanta, Georgia. Each Party acknowledges that it has voluntarily and knowingly entered into an agreement to arbitration
under this Section 7.13 by executing this Loan Origination Agreement. The Parties agree to abide by and perform any award or decision
rendered by the arbitrators. The Parties covenant and agree to act as expeditiously as practicable in order to resolve all disputes
by arbitration. Notwithstanding anything in this Section 7.13 to the contrary, no Party shall be precluded from seeking court action
if the action sought is either injunctive action, a restraining order or other equitable relief.

    	21

    	

    

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) TO THE MAXIMUM
EXTENT PERMITTED BY LAW, EACH OF THE PARTIES WAIVES ANY RIGHTS THAT IT MAY HAVE TO TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM
BROUGHT BY EITHER PARTY AGAINST THE OTHER ARISING OUT OF THIS LOAN ORIGINATION AGREEMENT. Each Party acknowledges that it has been
represented by legal counsel of its own choosing and has been advised of the intent, scope and effect of this Section 7.13 and
has voluntarily entered into this Loan Origination Agreement and this Section 7.13.

 

Section 7.14 Confidential
Information. Each Party agrees to maintain the confidentiality of the Confidential Information that it receives from the other
party, provided that nothing herein shall limit the ability of a Party to disclose such information to a subsidiary, parent, investor,
or subcontractor, provided such recipient is subject to the foregoing confidentiality obligation. In addition, notwithstanding
the foregoing, Lender shall at all times be entitled to disclose Confidential Information to Governmental Authorities, Servicer
shall at all times be entitled to disclose aggregated performance data and other information that does not by its nature identify
an individual Borrower or identify groups of Loans as funded by Lender, and both Parties shall be entitled to disclose Confidential
Information to their auditors, attorneys and other professionals who are under a general duty of confidentiality.

 

[Remainder of the page intentionally left
blank, Signature Page follows]

    	22

    	

    

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,
Servicer and Lender have caused this Loan Origination Agreement to be duly executed by their respective officers as of the day
and year first above written.

 

	 	GREENSKY, LLC
	 	 	 
	 	By:	/s/ Timothy D. Kaliban
	 	Name: 	Timothy D. Kaliban
	 	Title:	President
	 	 	 
	 	FIFTH THIRD BANK
	 	 	 
	 	By:	/s/ Ben Hoffman
	 	Name:	Ben Hoffman
	 	Title:	SVP
	 	 	 
	 	By:	/s/ Tom Carpenter
	 	Name:	Tom Carpenter
	 	Title:	Executive Vice President

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00282-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00282-of-00352.parquet"}]]