Document:

synovus-amendmentno1toec

Exhibit 10.22(c) CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE  EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE  COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED. FIRST AMENDMENT TO ECONOMICS AGREEMENT THIS FIRST AMENDMENT TO ECONOMICS AGREEMENT (this “Amendment”) is  made as of December 31, 2020 (the “Effective Date”) by and between GreenSky, LLC, a  Georgia limited liability company (“Servicer”), and Synovus Bank, a Georgia state-chartered  bank (“Lender”).  Capitalized terms used herein and not otherwise defined herein shall have the  meanings ascribed to such terms in the Economics Agreement (as defined herein).  WITNESSETH: WHEREAS, Lender and Servicer have previously entered into that certain Economics  Agreement dated as of May 27, 2020 (the “Economics Agreement”); WHEREAS, Lender and Servicer desire to amend the Economics Agreement as set forth  herein;  NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of  which are hereby acknowledged, Lender and Servicer hereby agree as follows: 1. Effective as of the Effective Date, the Economics Agreement is hereby amended  as follows: a. Section 2.01(g) of the Economics Agreement is hereby deleted in its entirety and  the following is inserted in lieu thereof:  “(g) [*****]” b. Section 3.03 of the Economics Agreement is hereby amended by adding the  following as a new subsection (g) therein immediately after subsection (f) therein: “(g) [*****]” 2. Except as expressly amended hereby, the Economics Agreement shall remain in  full force and effect. 3. This Amendment may be executed and delivered by Lender and Servicer in  facsimile or PDF format and in any number of separate counterparts, all of which, when  delivered, shall together constitute one and the same document. [Signature page follows] 

 

IN WITNESS WHEREOF, the parties have executed this Amendment as of the date first  above written. SERVICER: GREENSKY, LLC By: /s/ Timothy D. Kaliban Name: Timothy D. Kaliban Title: President LENDER: SYNOVUS BANK By: /s/ Christopher Pyle Name: Christopher Pyle Title: Group Executivefifththird-2ndarloanorig

Exhibit 10.20 CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM  THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY  CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED. SECOND AMENDED AND RESTATED LOAN ORIGINATION AGREEMENT Dated as of December 23, 2020 by and between GREENSKY, LLC and FIFTH THIRD BANK, NATIONAL ASSOCIATION   

 

2 SECOND AMENDED AND RESTATED LOAN ORIGINATION AGREEMENT THIS SECOND AMENDED AND RESTATED LOAN ORIGINATION AGREEMENT  (this “Loan Origination Agreement”) is dated as of December 23, 2020 (the “Effective Date”),  by and between GREENSKY, LLC, a Georgia limited liability company (including its direct and  indirect subsidiaries, “Servicer”), and FIFTH THIRD BANK, NATIONAL ASSOCIATION, a  nationally -chartered, FDIC-insured bank (“Lender”).  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, the Parties entered into that certain Amended and Restated Loan Origination  Agreement dated December 20, 2019, as previously amended (the “Prior Loan Origination  Agreement”); WHEREAS, the Parties desire to amend and restate the Prior Loan Origination  Agreement in its entirety;  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 currently participates in the GreenSky® Program by extending such  loans directly to the customers of the Program Merchants and Sponsors on the terms provided in  the Prior Loan Origination Agreement and such loans are serviced by Servicer pursuant to that  certain Amended and Restated Servicing Agreement dated as of December 20, 2019 between the  Parties, as previously amended (the “Prior Servicing Agreement”); WHEREAS, the Parties desire that this Loan Origination Agreement amends and restates  the Prior Loan Origination Agreement, that Lender shall continue to participate in the GreenSky®  Program by making Loans (as hereinafter defined) to eligible customers of Program Merchants  and Sponsors on the terms provided for herein and that all Loans made under and pursuant to the  Prior Loan Origination Agreement shall be governed by and subject to this Loan Origination  Agreement; and WHEREAS, contemporaneous herewith, Servicer and Lender are entering into a Second  Amended and Restated Servicing Agreement of even date herewith (as hereinafter amended, the  “Servicing Agreement”), which amends and restates the Prior Servicing Agreement, and the  Parties desire and acknowledge that all Loans made under and pursuant to the Prior Loan  Origination Agreement or this Loan Origination Agreement shall be governed by and subject to  the Servicing Agreement. 

 

3 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).  “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. “Category A Loan” shall mean any Loan other than a Category B Loan. “Category B Loan” shall mean a Loan that Lender and Servicer mutually agree in writing  to be designated as a Category B Loan under this Loan Origination Agreement.  Lender and  Servicer may further agree in writing to classify specific Category B Loans into one or more  classes, with such respective rights and obligations related to such classes as Lender and Servicer  agree in writing. “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 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  

 

4 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).   “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 and  other loans acquired by Lender where Lender and Servicer agree in writing that such loans shall  

 

5 be treated as Loans under 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. “Net Settlement Amount” shall have the meaning set forth in Section 2.01(b)(i). “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.   “Performance Threshold” shall mean the annualized monthly Portfolio Credit Losses as a  percentage of the aggregate Outstanding Balances of all Category A 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 Category A Loans (i) that, as of the last day of such month, were past  due by 4 or more monthly payments, or (ii) that, during such month, Servicer charged off as a  result of the sole Borrower or all co-Borrowers (as applicable) being the subject of a bankruptcy  or similar proceeding or having died (it being agreed that such Category A Loans much be  charged off in respect of the events described in this clause (ii) no later than the date required  

 

6 under Federal Financial Institution Examination Counsel (FFIEC) guidelines), plus (b) to the  extent Lender is not otherwise compensated therefor, the portions of the Outstanding Balance of  all Category A Loans that have been waived, compromised, settled or forgiven during such  month (other than for Category A Loans that were previously included in Portfolio Credit Losses  pursuant to clause (a)).  The foregoing language is meant to align with ongoing practices since  the inception of the relationship between the Parties, and does not change the calculation of the  “Category A Monthly Accounting” pursuant to the Servicing Agreement prior to the execution  of this Loan Origination Agreement.  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. “Servicing Agreement” shall have the meaning set forth in the Recitals hereto. “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  Net 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. 

 

7 “Underwriting Criteria” shall mean the underwriting standards adopted and maintained  by Lender for Category A 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 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) Commitment Amount.   (A) Subject to the terms and conditions hereof, and at a pace as agreed  upon by Lender and Servicer, Lender will fund Category A Loans originated as  part of the GreenSky® Program that meet the Underwriting Criteria up to a  Commitment Amount of [*****] dollars ($[*****]) in aggregate outstanding  

 

8 principal balances of Category A Loans held on Lender’s balance sheet at any  time.  (B) [*****] (C) [*****] (D) The Commitment Amount may be further increased by written  agreement between the Parties.  (iv) Loan Terms.  Each Category A Loan shall include an interest rate, loan  term, repayment and other terms consistent with Schedule A.  Each Loan 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. (v) Servicer and Lender shall comply with all of the terms, conditions and  provisions of Schedule A and Schedule A-1 with respect to Category A Loans, including,  without limitation, those related to Portfolio Concentration Limits and the Portfolio  Concentration Escrow Account, which are incorporated by reference herein and made a  part hereof. (vi) Category A Loans will not be originated under Lender’s credit policy for  customers of Program Merchants who conduct their business solely through online  channels, unless and until Lender consents in writing to the inclusion of such Category A  Loans. (vii) In connection with Lender’s purchase of Category B Loans, Lender may  assume the obligation to fund additional amounts to or on behalf of the Borrower in  respect of such Category B Loans subsequent to such purchase.  To the extent that Lender  has so assumed such funding obligations with respect to Category B Loans, Lender will  fund such amounts in accordance with Section 2.01(b).  Category B Loans shall be  designated in writing by the mutual agreement of Lender and Servicer and shall not be  subject to the terms, conditions and provisions of Schedule A and Schedule A-1,  including, without limitation, those related to Portfolio Concentration Limits and the  Portfolio Concentration Escrow Account. (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 (A) the Settlement Amount, less (B) the  amount of any reversals, chargebacks, reimbursements and refunds provided by Program  Merchants of amounts previously disbursed by Lender in respect of Loans (collectively,  “Credit Refunds”) that are posted on the Business Day prior to such report (and, if  applicable, any non-Business Days occurring since the most recent daily settlement  report) (such amount, the “Net Settlement Amount”).  The Net Settlement Amount shall  

 

9 be paid by Lender by wire transfer, ACH or direct deposit to an account 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 Net Settlement Amount due on the Settlement  Date, in which case Lender shall use all commercially reasonable efforts to send the Net  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; provided, however, in the event that the  Net Settlement Amount on a particular Business Day is a negative number, Servicer shall  pay such amount to Lender by wire transfer, ACH or direct deposit to an account  designated in writing by an authorized officer of Lender no later than 4:00 p.m. (Eastern  time). (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. (c) GreenSky® Program Accounts.  From time to time, Servicer may arrange for one  or more financial institutions (reasonably acceptable to Lender), to act as a custodian or nominee  to hold certain of the accounts contemplated by this Loan Origination Agreement or the  Servicing Agreement, and, in such event, Lender agrees to enter into customary agreements with  Servicer and such financial institutions in furtherance thereof, on terms mutually agreeable to the  Parties and such financial institutions. Section 2.02 Dispute over Net Settlement Amount. (a) In the event Lender disputes the accuracy of the Net Settlement Amount provided  by Servicer, Lender promptly shall notify Servicer, but such notice shall not affect Lender’s  obligation for timely payment of the Net Settlement Amount as provided by Servicer, unless the  Net Settlement Amount would cause the aggregate outstanding principal balances to exceed the  Commitment Amount.  Payment of any Net Settlement Amount shall not constitute a waiver by  Lender of the right to dispute the accuracy of such Net 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 Net 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 Net 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, including Category A Loans that do not comply with Lender’s Underwriting Criteria  (other than a failure to comply with [*****] for which the remedies are otherwise specified in  this Agreement), by paying Lender an amount equal to (a) with respect to a Category A Loan,  the Outstanding Balance of such Loan, or (b) with respect to a Category B Loan, an amount  

 

10 equal to the repurchase price that Servicer would be obligated to pay under the applicable  purchase agreement pursuant to which Lender acquired such Category B Loan in order for  Servicer to cure a breach of a representation or warranty with respect to such Category B Loan  (such amount described in clause (a) or clause (b), the “Reimbursement Amount”), in either case,  except to the extent that Lender previously has been paid for the receivable attendant to such  Loan pursuant to the Servicing Agreement or otherwise. In addition, [*****]. Lender shall  remain the lender of record for, and continue to own any such Loan referred to in this Section  2.03 unless the Loan is assigned to another lender in the GreenSky® Program or other designee  of Servicer; provided, however, that with respect to any Loan which fails to comply with  applicable Law (including, without limitation, regulatory requirements applicable to Lender) or  [*****] Servicer (or its designee) must purchase all right, title and interest in and to such Loan  from Lender within 30 days by paying the Reimbursement Amount and executing such  documentation as is necessary to effect such purchase, which shall be without recourse to  Lender. 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.  Any such disclosure shall be made in compliance with any  applicable Consumer Lending Laws (as defined herein). 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 and all other applicable Laws).  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.  Servicer is prohibited from soliciting, marketing or otherwise  communicating with or encouraging any Borrower to refinance any Loan with anyone other than  Lender and as specifically approved by Lender.  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  

 

11 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 [*****]. Section 2.09 Information Sharing.  “Personal Information” is defined as information  that identifies, relates to, describes, is capable of being associated with, or could reasonably be  linked, directly or indirectly, with a particular consumer or household. Personal Information  includes, but is not limited to, the following: ‐ Identifiers such as real name, alias, unique personal identifier, online identifier Internet  Protocol address, email address, account name, social security number, driver’s license  number, passport number, or similar identifiers; ‐ Protected class designations; ‐ Transaction information, including records of personal property, products or services  purchased, obtained, or considered, or other purchasing or consuming histories or  tendencies; ‐ Biometric information; ‐ Internet or other electronic network activity information, such as browsing history, search  history, and information regarding consumer’s interaction with websites, applications or  advertisements; ‐ Geo-location data; ‐ Professional or employment related information; ‐ Educational information; ‐ Inferences drawn from any profile created based on the above information, such as  consumer’s preferences, attitudes, abilities, predispositions, behaviors, etc. Servicer certifies that it understands the restrictions regarding the use of Personal Information  and will comply with them and any applicable Laws, including the California Consumer Privacy  Act (“CCPA”) and the Gramm-Leach-Bliley Act (“GLBA”).  Servicer shall not collect, process,  sell, or disclose Personal Information other than in compliance with the Gramm Leach Bliley Act  and its implementing regulations. Subject to the restrictions above and as permitted by GLBA and the CCPA (to the extent  applicable), Lender agrees to share Borrower information with Program Merchants, Sponsors  and other financial institutions participating in the GreenSky® Program, including, but not  limited to, for the purposes of: (i) effecting, administering, and enforcing a loan or other  transaction requested or authorized by such Borrower; (ii) protecting against or preventing actual  or potential fraud, unauthorized transactions, claims, or other liability; or (iii) sharing such  

 

12 information with persons holding a legal or beneficial interest relating to such Borrower.  To  facilitate such information sharing, Lender directs Servicer, as its agent, and subject to oversight  and control by Lender, to share such information with such third parties for the purposes  described in this Section 2.09.   Section 2.10 Agency.  Notwithstanding anything to the contrary in this Loan  Origination Agreement or any other agreement between the Parties, Lender appoints Servicer as  Lender’s agent for purposes of the Services, including, without limitation, with respect to the  transmission or receipt of funds on behalf of Lender as contemplated by this Loan Origination  Agreement or the Servicing Agreement. 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, 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 breach by the indemnifying Party of any representation,  warranty or covenant applicable to such Party; (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; and (iii) any failure by the indemnifying Party to comply with  applicable Laws.  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)  

 

13 such damages have been determined by a court of competent jurisdiction to be owed to an  unrelated third party.  The foregoing limitation shall not limit any liabilities, obligations or  recoveries pursuant to the Servicing Agreement or of the obligation of the Servicer to reimburse  Lender and/or purchase Loans pursuant to Section 2.03 hereof. 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 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.  In addition, to the best of Servicer’s knowledge, no such claim, litigation,  proceeding, arbitration, investigation or controversy has been threatened or is contemplated, and  no facts exist which would provide a basis for, any such claim, litigation, proceeding, arbitration,  investigation or controversy.  Servicer shall promptly notify Lender in writing if any such claim,  litigation, proceeding, arbitration, investigation or controversy is pending. 

 

14 (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 with and will comply with, and  each such Loan complies with, in all material respects, all applicable Laws, rules or regulations  applicable thereof, including, without limitation, all Laws related to truth-in-lending, fair credit  billing, fair lending, fair credit reporting, usury, equal credit opportunity, fair credit collection  practices and privacy, unfair, deceptive, abusive act or practice, and all other consumer  protection Laws and the Bank Secrecy Act, USA PATRIOT Act (including Consumer  Identification Program (“CIP”)) requirements and suspicious activity reporting, and OFAC  verification (including all rules and regulations now or hereafter promulgated by, as applicable,  the Federal Reserve Bank, Office of the Comptroller of the Currency, the Consumer Financial  Protection Bureau, the Federal Deposit Insurance Corporation or any other Governmental  Authority, in each case, whether or not having the force of law) (such Laws relating to or  regulating consumer loans and finance sometimes referred to herein as “Consumer Lending  Laws”), Orders, judgments, injunctions, decrees or awards to which it is subject and that, each as  applicable, relate in any way to this Loan Origination Agreement or the performance by Servicer  of its obligations hereunder, each as applicable.  The Loans were originated, made, and are at all  time being serviced substantially in accordance with those customary origination, servicing and  collection practices of prudent lending institutions that originate, make and/or service loans of  the same type as the Loans and in any event in accordance with all applicable Laws (including  all Consumer Lending Laws).  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 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. 

 

15 (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.  If  this Loan Origination Agreement does not create a valid ownership interest in Lender of the  Loans, it constitutes a grant of a “security interest” (as defined in the UCC) in such property to  Lender to secure all obligations owed by Servicer to Lender under this Loan Origination  Agreement and the Servicing Agreement, which is enforceable upon execution and delivery of  this Loan Origination Agreement. Servicer agrees to cooperate as Lender may reasonably request  in filing financing statements, or, upon Lender’s reasonable request, to make such other filings or  execute such other assignments or collateral assignments as may be necessary or appropriate to  perfect Lender’s security interest in the Loans and/or reflect Lender’s outright ownership of the  Loans.   (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.  Servicer has obtained a credit report from Trans Union, LLC, Experian  Information Solution, Inc. or Equifax Inc. for each Borrower and has not identified any material  inconsistencies between such report and the Borrower’s Loan application that have not been  resolved. Servicer has reviewed all of the documents contained in the loan files and has made  customary inquiries to confirm the accuracy of the representations set forth therein (other than  representations regarding stated income). (k) Compliance with Underwriting Criteria.  Each Borrower for a Category A Loan,  and each Category A Loan made to each such Borrower, complies with the Underwriting Criteria  (and, for purposes of making this representation), the Servicer assumes the risk, among others,  that the information provided by the applicable Borrower is true and accurate in all respects,  other than stated income, and otherwise assumes all risk of fraud). (l) Documentation/Due Execution.  Each loan file for each Loan (which may be  electronic) contains the credit agreement, all underwriting documents, all collection notes, and  all formal correspondence and notices and shall otherwise contain all such information and  documentation as required under applicable Laws for the Lender to fund and maintain a given  Loan made hereunder.  In addition to the loan files, Servicer will maintain proof of the delivery  and content of any required disclosures under applicable Law for a Loan.  Such loan files shall  be maintained by the Servicer in a manner consistent with these practices of a prudent lending  institution.  Servicer warrants that the credit agreement and all other instruments that evidence  any Loan have been duly executed by the applicable Borrower with respect thereto.  Further, for  each Loan assigned to or from Lender, Servicer shall provide appropriate documentation of such  assignment on a monthly basis.  

 

16 (m) Loan Documents.  The promissory notes and agreements evidencing the Loans  are genuine, and each is the legal, valid and binding obligation of the related Borrower,  enforceable in accordance with its terms subject to the effect and applicability of bankruptcy,  insolvency, fraudulent conveyance, reorganization moratorium and other laws now or hereinafter  in effect which relate to or limited creditors’ rights generally or the effect and applicable of  general principles of equity, whether considered in a proceeding in equity or at Law; provided  however, that the foregoing is not a representation with respect to the collectability of the Loans.   (n) No Adverse Selection.  The selection of the Loans to allocate to Lender was not  knowingly made by Servicer in a manner to adversely affect the interests of Lender.   (o) No Fraudulent Activity; Negligence.  No fraudulent activity, negligence or similar  occurrence with respect to any Loan has taken place on the part of the Servicer or any third party  involved in the services contemplated by this Loan Origination Agreement to whom Servicer  subcontracted any of its obligations hereunder.  Servicer represents and warrants that the true  identity of each Borrower was ascertained in order to avoid dealing with persons committing  identity theft or other forms of fraudulent activity.  Servicer has established and maintains a  customer identification program and a suspicious activity reporting program in material  compliance with Applicable Law, including the requirements of 31 CFR 1020.220 and 31 CFR  Part 103, and has performed its customer identification program with respect to each applicant  and Borrower.  Servicer acknowledges that Lender will rely on the performance of Servicer for  Lender’s customer identification program.  Servicer will retain for 6 years after a Loan is repaid  and deliver to Bank upon request the applicant or Borrower’s name, physical address, social  security number and date of birth obtained pursuant to such customer identification procedures; a  description of the methods and the results of any measures undertaken to verify the identity of  the applicant or Borrower and a description of the resolution of any substantive discrepancy  discovered when verifying the identifying information obtained.  Upon Lender’s request,  Servicer will certify annually to Lender that Servicer has implemented Servicer’s customer  identification program with respect to each Borrower. 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 nationally-chartered, FDIC-insured bank duly  organized, validly existing and in good standing under the laws of the United States and 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). 

 

17 (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  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 within 3 Business Days  following such discovery.   

 

18 ARTICLE V COVENANTS Section 5.01 Covenants of Servicer and Lender.  (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 with respect to Category A Loans (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.   (a) 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 complaints and all collection notes.  In  addition to the loan file, Servicer will maintain proof of the delivery and content  of any required disclosures under applicable Law for a Loan.  Servicer will  maintain all necessary documentation to accurately and completely verify the  ownership of all Loans, including without limitation any assignments or transfers  of such Loans.   (b) Servicer will maintain, in accordance with generally accepted  accounting principles, true, complete and accurate accounting records related to  its performance of the services provided to Lender pursuant to this Loan  Origination Agreement and the Servicing Agreement.  Servicer shall maintain  such books and records for such period as is required by Servicer’s generally  applicable internal record retention policies, but not less than seven years or two  years after the repayment of the related Loan, whichever is longer. 

 

19 (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 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  

 

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

 

21 (xii) Information Security.  As an initial condition to the funding of Loans  under the GreenSky® Program, Servicer cooperated 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.   (xiii) Managing Litigation.  For all litigation and/or threatened litigation or  regulatory action for which Lender is entitled to indemnification pursuant to this Loan  Origination Agreement or the Servicing Agreement, Servicer will fully indemnify Lender  as provided herein or therein, bear the costs of defense by Servicer using counsel  reasonably selected by Servicer and reasonably acceptable to Lender and, if the matter  involves a Borrower complaint related to a Loan, Servicer will promptly place a  provisional credit on such Loan account during the pendency of the complaint to ensure  that the Borrower is not adversely impacted during the resolution of the complaint.  To  that end, Servicer may choose to enforce the contractual provisions of any Program  Merchant Agreement affording indemnification or other similar rights for the benefit of  Servicer or Lender, as applicable.  In the course of litigation management:  (a) Each Party will notify the other party pursuant to the terms of this  Loan Origination Agreement within 5 Business Days of becoming aware of (i)  any litigation, (ii) any threatened litigation asserted in writing by Borrower’s legal  counsel or (iii) regulatory complaint asserted in writing by a Governmental  Authority on behalf of a Borrower, in each case involving a Loan (each, a  “Complaint”), including but not limited to actions involving Loans that solely  name Merchants;   (b) Email delivery from Lender to Servicer shall constitute sufficient  notice of a Complaint, such that Servicer will be on notice to indemnify Lender  and defend it through any legal proceeding in accordance with the  indemnification provisions of this Loan Origination Agreement and the Servicing  Agreement;   (c) Servicer shall schedule a meeting with Lender to discuss a  Complaint within 5 Business Days of the notice described in clause (a) above.   Prior to such meeting, Servicer will research the Loan account and gather all  related correspondence and account records (records of account payments, loan  documents, etc.) and draft a short summary of the merits of the Complaint;   (d) Litigation Strategy.  [*****] (xiv) Identity Theft.  To the extent applicable, Servicer represents and warrants  that it has developed and implemented written policies and procedures as required by  Section 114 of the Fair and Accurate Credit Transactions Act of 2003 (“FACT Act”) to  detect, prevent, and mitigate the risk of identity theft in connection with its provision of  services and that these policies and procedures are reviewed periodically and updated as  necessary.  Servicer further represents and warrants that a component of its program is to  identify red flags indicative of possible identity theft.  If Servicer identifies a red flag  

 

22 indicative of identity theft with respect to a Loan funded by Lender that cannot be cleared  pursuant to the written policies and procedures of Servicer, Servicer will take all other  appropriate steps to prevent or mitigate identity theft.   (xv) Prohibition Against Unfair, Deceptive or Abusive Act or Practices.   Lender is committed to treating prospective and existing customers in a manner that is  equitable, transparent, and consistent with customer protection laws and regulations,  including laws and regulations that prohibit unfair, deceptive or abusive acts or practices,  including, but not limited to those contained in Sections 1031 and 1036 of Dodd-Frank  (“UDAAP”).  Servicer represents and warrants that it has sufficient controls in place to  comply with UDAAP in the provision of services to Lender under this Loan Origination  Agreement and to prohibit Servicer’s personnel from engaging in unfair, deceptive and  abusive act or practices as it relates to Borrowers.  In accordance therewith, Servicer  agrees to provide or make available to Lender, upon reasonable request: (a) a certification that Servicer’s direct customer-facing personnel, as  well as compliance and training personnel, have completed UDAAP training; (b) a certification that Servicer’s direct customer-facing personnel’s,  as well as compliance and training personnel’s, contact with Borrowers is subject  to quality assurance review to ensure compliance with UDAAP; (c) upon Lender’s request: (1) Servicer’s Complaint tracking  procedures; and (2) the results of the Complaint tracking procedures; (d) documentation of tracking and monitoring of exceptions to  Servicer’s Complaint tracking procedures, policies and processes, and  documentation of corrective actions taken by Servicer if high levels of exceptions  are made, as reasonably determined by Lender; (e) documentation of follow-up actions performed by Servicer to  ensure the recommended corrective actions are implemented; (f) subject to Servicer’s customary retention policies, access to  recordings of customer support calls made to or received from Borrowers; and (g) all material marketing and advertising materials prepared or used  by Servicer, including promotional materials and marketing scripts including, but  not limited to, ensuring representations and statements in such materials are  factually supported in compliance with all UDAAP requirements, including but  not limited to, ensuring materials have a reasonable factual basis for all  representations. (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. 

 

23 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.  Servicer agrees to make such marketing  materials available to Lender, upon Lender’s reasonable request, for Lender’s review.  The  Servicer and Lender agree that “in-store” marketing of the GreenSky® Program available to  customers of a given Program Merchant shall not include the name or trademarks of the Lender. 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 with respect to the Category A Loans 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 Merchant Referral. [*****] Section 5.05 Technology License.  In furtherance of the activities contemplated by this  Loan Origination Agreement, Servicer grants Lender a non-exclusive, nontransferable,  nonsublicensable, revocable license to use, or for Servicer on Lender’s behalf to use, Servicer’s  GreenSky® Program technology platform and the trademarks, logos, program names and other  intellectual property rights developed by or for Servicer in connection with the GreenSky®  Program or otherwise made available to Lender by Servicer or a Program Merchant in  connection with Lender’s participation therein (the “Licensed Technology”) during the term of  this Loan Origination Agreement solely for the purposes of, and in connection with, Lender’s  participation in the GreenSky® Program.  Lender acknowledges and agrees that Servicer will  remain the sole and exclusive owner of all right, title and interest in and to the Licensed  Technology (including any and all modifications or derivative works thereof) and all intellectual  property rights relating thereto, and Lender does not and will not have or acquire any ownership  interest in the Licensed Technology (or any modifications or derivative works thereof) or any  intellectual property rights relating thereto under or in connection with this Loan Origination  Agreement. 

 

24 ARTICLE VI TERM, TERMINATION AND PURCHASE Section 6.01 Term.  The term of the Prior Loan Origination Agreement commenced as  of the effective date of the Prior Loan Origination Agreement.  The term of this Loan Origination  Agreement shall commence as of the Effective Date and shall continue until February 21, 2022,  provided that such expiration 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 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 Category A Loans that conform to the Credit Policy and all  approved but unfunded Category B Loans 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 approved but unfunded Category A Loans that  conform to the Credit Policy and all approved but unfunded Category B Loans 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 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  

 

25 all approved but unfunded Loans that conform to the Credit Policy and all approved but  unfunded Category B Loans 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 approved but unfunded Loans that conform to the Credit  Policy and all approved but unfunded Category B Loans as of 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  attendant to the Category A 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 Category A Loans, unless the Category A Loans are assigned to  another lender in the GreenSky® Program.  

 

26 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 below, or via pdf format or via email upon, in each case,  electronic confirmation of receipt thereof by the other Party, 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: Chief Legal Officer If to Lender: Fifth Third Bank, N.A. With copy to: Fifth Third Bank, N.A. 38 Fountain Square Plaza, MD 10909F Cincinnati, Ohio 45263 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. 

 

27 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 permitted assigns.  There are no intended third-party beneficiaries of this Loan Origination  Agreement. Section 7.10 Merger and Integration.  This Loan Origination Agreement amends,  restates and supersedes the Prior Loan Origination Agreement and, except as specifically stated  otherwise herein, this Loan Origination Agreement, and the schedules hereto and the Joinder  Agreement, 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.   Notwithstanding the foregoing, (a) the Addendum to Loan Origination Agreement and Servicing  Agreement – Risk Management Service Standards entered into as of April 30, 2018 by the  Parties remains in full force and effect and is hereby deemed to be made a part of this Loan  Origination Agreement, (b) the Joinder Agreement entered into as of August 6, 2018 among the  

 

28 Parties, Regions Bank and the other Persons from time to time party thereto remains in full force  and effect, and (c) the Purchase and Sale Agreement related to Lender’s acquisition of the 2017  Acquired Loans (as defined in the Servicing Agreement) and the Purchase and Sale Agreement  related to Lender’s acquisition of the June 2018 Acquired Loans (as defined in the Servicing  Agreement) remain in full force and effect. 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) Thereafter, if the dispute is not resolved, then either Party may request in writing  that the Parties resolve the conflict by either mediation or binding arbitration. If the Parties  cannot agree to submit to either mediation or binding arbitration, either Party may take any legal  or equitable action available under Georgia law, and the Parties agree that all actions or  proceedings arising in connection with or related to this Loan Origination Agreement shall be  tried and determined only in the state or federal courts located in Atlanta, Georgia. (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  

 

29 both Parties shall be entitled to disclose Confidential Information to their auditors, attorneys and  other professionals who are under a general duty of confidentiality, and both parties may make  such disclosures regarding this Loan Origination Agreement and the terms hereof in their  respective Securities and Exchange Commission filings (including filing a copy of this  Agreement as an exhibit to such filings) to the extent such party determines such disclosures are  reasonably necessary.  [Remainder of the page intentionally left blank, Signature Page follows] 

 

30 IN WITNESS WHEREOF, Servicer and Lender have caused this Second Amended and  Restated 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,  NATIONAL ASSOCIATION By: /s/ Michael L. Butera Name: Michael L. Butera Title: EVP, Head of Retail Banking By: /s/ Jennifer Bosse Name: Jennifer Bosse Title: Third Party Procurement Senior Analyst 

 

EXHIBIT INDEX Schedule A – Underwriting Criteria Schedule B – Insurance Requirements Schedule C – Form of Loan Agreement Schedule D – [*****] Schedule 2.04 – Jurisdictions Schedule 5.01 – [*****]

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