Document:

Exhibit 10.12

 

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Composite Version as amended 

through Amendment 6

 

 

 

 

SERVICING AGREEMENT

 

 

 

Dated as of November 25, 2014

 

 

 

by and between

 

 

 

GREENSKY, LLC

 

 

 

and

 

 

 

REGIONS BANK

    	 

    	 

    

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SERVICING AGREEMENT

 

THIS SERVICING AGREEMENT
(the “Servicing Agreement”) dated as of November 25, 2014 (the “Effective Date”), by and
between GREENSKY, LLC, f/k/a GREENSKY TRADE CREDIT, LLC, a Georgia limited liability company (“Servicer”) and
REGIONS BANK, an Alabama chartered commercial bank (“Lender”), as amended December 21, 2015; February 14, 2017;
June 29, 2017; and September 29, 2017. 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 may be 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:

 

“Audit”
has the meaning set forth in Section 2.08.

 

“Audited Items”
has the meaning set forth in Section 2.08.

 

“[*****]. 

 

“Bank Margin”
shall mean, [*****].

 

“[*****].

 

“Business Group
Executive” has the meaning set forth in Section 7.17(b).

 

“CISO”
has the meaning set forth in Section 2.12.

 

“Code”
has the meaning set forth in Section 5.01(d).

 

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

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“Complaint Tracking
Procedures” has the meaning set forth in Section 2.05.

 

“Complaints”
has the meaning set forth in Section 2.05.

 

“Default”
shall mean (i) any breach or violation of, default under, contravention of, or conflict with this Servicing Agreement or any representation,
warranty or covenant owed by either Party hereunder, (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, this Servicing
Agreement or any 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, this Servicing Agreement or any Law, Order, or Permit.

 

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

 

“[*****].

 

“[*****].

 

“Essential Daily
Functions” has the meaning set forth in Section 2.09.

 

“FACT Act”
has the meaning set forth in Section 2.13.

 

“Force Majeure”
has the meaning set forth in Section 6.03(a).

 

“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 Equal Credit Protection Act, the federal Truth in Lending Act, 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, and privacy and anti-money laundering laws, and all regulations,
rules, orders, guidance, directives, interpretations and decrees of any Governmental Authority.

 

“GreenSky®
Program” shall mean Servicer’s program of providing certain services and a technology platform to lenders in connection
with lenders originating consumer loans, primarily through a network of Program Dealers, which program is administered by Servicer
on behalf of and as agent for federally-insured, federal and state chartered lenders participating in the GreenSky® Program.

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“GreenSky®
Program ACH Account” shall mean the payment clearing custodial account established and maintained by Servicer for the
benefit of the lenders in the GreenSky® Program, at Fifth Third Bank or such other bank selected by Servicer and reasonably
acceptable to Lender, for the purposes of receiving electronic payments made on loans pursuant to the Automatic Clearinghouse payment
system.

 

“GreenSky®
Program Payment Clearing Account” shall mean the payment clearing custodial account established and maintained by Servicer
for the benefit of the lenders in the GreenSky® Program, at the Lockbox Bank or such other bank selected by Servicer and reasonably
acceptable to Lender, for the purposes of (a) receiving funds from the GreenSky® Program ACH Account for disbursement to Lender’s
Designated Account and other GreenSky® Program lenders’ accounts, as applicable, and (b) holding payments from borrowers
that initially are unable to be attributed to a Loan and disburse such funds to Lender’s designated Account and other GreenSky®
Program lenders’ designated accounts after identification, as applicable.

 

“[*****].

 

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

 

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

 

“Industry Practices”
shall mean practices that are no less than the standard practices followed by regulated financial institutions in the United States
in connection with the origination and servicing of closed-end consumer loans.

 

“Law”
shall mean any code, law (including common law), ordinance, regulation, reporting, registration, notification or licensing requirement,
rule, or statute applicable to Servicer and Lender, including those promulgated, interpreted or enforced by any Governmental Authority,
including, without limitation, the Gramm-Leach-Bliley Act.

 

“Lender’s
Designated Account” shall mean, upon the mutual agreement of Lender and Servicer, either a custodial account established
and maintained by Servicer for the benefit of Lender or an account established and maintained by Lender, at Wells Fargo Bank or
such other bank selected by Servicer and reasonably acceptable to Lender, for the purposes of receiving Borrower payments from
the Lockbox and Borrower ACH payments from the GreenSky® Program Payment Clearing Account.

 

“Loan”
or “Loans” shall mean any promissory note originated by Lender pursuant to the Origination Agreement and any
promissory note purchased by Lender from Servicer pursuant to the Purchase and Sale Agreement dated as of June 29, 2017.

 

“Lockbox”
shall mean the address or post office box of the Lockbox Bank which is associated with Lender’s Designated Account and accounts
for other lenders participating in the

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GreenSky® Program and to which Borrowers are instructed to remit check payments on the
Loans or such other address or post office box as may be established for such purpose in connection with this Servicing Agreement.

 

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

 

“Marks”
has the meaning set forth in Section 5.01(g).

 

“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 such
Loan, all as contemplated by this Servicing Agreement.

 

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

 

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

 

“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.

 

“Promotional Loans”
shall mean Loans during the first 12 months following the first transaction.

 

“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. For purposes of this definition, Outstanding Balance shall not include fees.

 

“[*****].

 

“Portfolio Shortfall”
shall have the meaning set forth in Section 3.01(c).

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“Principal Balance”
shall mean, as of any specified date, the face value of a Loan originated by Lender minus any payments, credit or other
amounts credited against such face value, all as contemplated by this Servicing Agreement.

 

“Program Agreements”
shall mean the GreenSky Installment Loan Program Agreement by and between Servicer and THD At-Home Services, Inc. entered into
as of August 21, 2009, as heretofore and hereafter amended, Dealer Program Agreements and such other agreements as may be agreed
to by Servicer and Lender.

 

“Rate”
shall mean [*****].

 

“Regulatory Agencies”
has the meaning set forth in Section 2.08.

 

“Relationship Manager”
has the meaning set forth in Section 7.17(b).

 

“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(d).

 

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

 

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

 

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

 

“Subcontractor”
shall mean any person that provides a material service to Servicer in connection with the offering, provision, origination or servicing
of any Loan.

 

“Substitute Service”
has the meaning set forth in Section 6.03(b).

 

“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(d).

 

“[*****].

 

Section 1.02Other
Definitional Provisions.

 

(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.

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(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 2.01Servicing.

 

(a) Lender hereby appoints
Servicer to service the Loans as provided herein.

 

(b) Servicer agrees to service
the Loans in accordance and compliance with all applicable Laws and Governmental Requirements and 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 shall not be obligated to institute
collection 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) Servicer shall have
full power and authority to do any and all things in connection with such Servicing that it may reasonably deem necessary or desirable
for the benefit of Lender. Notwithstanding the foregoing, on Loans less than 90 days past due, 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. In addition, if the Monthly Accounting is not positive, Servicer shall not (i) modify
the terms of the Loans or (ii) waive Borrower payment delinquencies. Otherwise, on Loans greater than or equal to 90 days
past due, Servicer may, without the prior approval of Lender (i) modify the terms of the Loans, including, but not limited to,
interest rate and maturity date and (ii) waive Borrower payment delinquencies. Servicer and Lender agree that Servicer’s
modification of the terms of a Loan or 

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waiver of Borrower payment delinquencies 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: (i) to 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) to instruct each Borrower to remit such payments due by such
Borrower as follows: (A) to the extent such payments are made by wire transfer, ACH or direct deposit, to remit such payments to
the GreenSky® Program ACH Account (and Servicer shall cause such payments to be swept to the GreenSky® Program Payment
Clearing Account and then transferred and posted to Lender’s Designated Account within two (2) business days after receiving
payment), and (B) to the extent such payments are made by check, cash or other means, to remit such payments to the Lockbox (and
Servicer shall cause such payments to be swept and posted to Lender’s Designated Account within two (2) business days after
such payments are received in the Lockbox); (iii) to deposit into Lender’s Designated Account any payment received by Servicer
directly from a Borrower with respect to any Loan within two (2) business days of receiving such payments 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. Notwithstanding
the foregoing, if any amounts that are received in the Lockbox or the GreenSky® Program ACH Account or that are received directly
by Servicer are not accompanied by a payment coupon or otherwise are unidentifiable, Servicer may initially deposit such amounts
in the GreenSky® Program Payment Clearing Account and shall forward such amounts, or direct such amounts to be forwarded (as
applicable), to Lender’s Designated Account as soon thereafter as practicable after they are identified as being attributable
to a Loan. All payments received by Servicer from a Borrower are received on behalf of Lender for immediate credit to Borrower’s
loan account.

 

(f) Lender owns and 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. 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, other original evidence of the debt owed by any Borrower, the servicing file
related to each Loan and all other documents in Servicer’s possession related to each Loan, and Servicer shall promptly deliver
the same to Lender on Lender’s request.

 

(g) Unless prohibited
by Law, a Program Agreement or other agreement related to a Borrower, Servicer and Lender may solicit Borrowers for new
products and services; provided that, 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. Servicer
also shall not solicit, induce, or attempt to induce any of Lender’s customers or prospective customers to cease doing
business in whole or in part with or through Lender, nor shall Servicer otherwise interfere with the contractual or business relations between

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or among Lender and
its customers, it being agreed that the solicitation of Borrowers for new products and services, including new loans that are not,
to the Best of Servicer’s Knowledge, specifically for the purpose of refinancing a Loan, that may be furnished by others
shall not violate the foregoing limitations.

 

Section 2.02Books
and Records. 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 Servicing Agreement
and the Origination Agreement. Servicer shall maintain such books and records for such period as is required by Lender’s generally
applicable internal record retention policies, but not less than five years or three years after the repayment of the related Loan,
whichever is longer. Lender’s accountant or a recognized independent accountant retained by Lender, to whom Servicer shall
have no reasonable objection, shall have the right, upon reasonable prior written notice, to have access to such books and records
for the purpose of determining the appropriateness of the calculation of the payments due under this Servicing Agreement. Such
examination shall be conducted during regular business hours and no more than once in each calendar year, unless Lender reasonably
determines that a change in applicable law, or change in Servicer’s business practices or in its financial status requires
a more frequent review.

 

Section 2.03 [*****].

 

Section 2.04 Continuous
Review and Improvement. To maintain open lines of communication and to promote continuous improvement of the business relationship
between Servicer and Lender, Lender may convene formal business review meetings periodically at the location and time mutually
designated by the Parties to review the status of the Parties’ business relationship. Servicer will use commercially reasonable
efforts to improve continuously the economic and technical effectiveness of its services.

 

Section 2.05 Borrower
Complaints and Borrower Satisfaction Surveys. “Complaints” shall mean any submission by a customer to Servicer
or Lender concerning a Loan or experience that expresses substantive dissatisfaction related to a Loan, Lender or Servicer, or
communicates suspicion of wrongful conduct by Lender or Servicer. Servicer shall maintain written complaint tracking procedures
(the “Complaint Tracking Procedures”) to (i) monitor and analyze complaints received by Servicer or its Subcontractors
and relating to the Loans; (ii) perform root cause analysis on Complaints received related to Servicer’s and its Subcontractors
provision of services hereunder (“Servicer Complaints”); and (iii) identify appropriate corrective action for
Servicer Complaints arising from, relating to, or caused by persistent and systemic issues. The Complaint Tracking Procedures shall
also require Servicer to return calls to Borrowers making a Servicer Complaint within a reasonable time of Servicer’s receipt
of such Servicer Complaint. Servicer’s failure to return calls within the prescribed time frame, if not for good reason,
shall constitute a breach of the representations, warranties and covenants in Article V of this Servicing Agreement. Servicer shall
provide to Lender’s Relationship Manager (i) the Complaint Tracking Procedures on an annual basis, and (ii) the results of
the Complaint Tracking Procedures with respect to the Loans, including summaries of all complaints and the resolution/action(s)
taken in regards to each

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complaint, on a monthly basis. At Lender’s sole expense and with Servicer’s consultation and
reasonable cooperation, Lender shall have the option to conduct annual satisfaction surveys of current and former Borrowers. In
the event that Lender reasonably determines, based on such satisfaction survey, that any feature, benefit, process, or other aspect
of a Loan or any other service provided by Servicer to Lender should be modified or replaced, Lender shall so notify Servicer,
and the Parties’ Relationship Managers shall negotiate in good faith a plan that satisfactorily addresses Lender’s
concerns within a reasonable time period, and Servicer shall implement such plan as agreed by the Relationship Managers. If Lender
receives any complaints from a Regulatory Agency related to the services provided by Servicer, Lender shall have the option to
forward such complaint to Servicer for feedback and resolution. To ensure that these complaints are handled timely so that Lender
can respond to the Regulatory Agency in the time required, Servicer shall provide responses to Lender within three (3) business
days of the initial compliant being passed to Servicer by Lender.

 

Section 2.06 Subcontractors.
Servicer agrees that if it employs Subcontractors pursuant to the terms of this Servicing Agreement, Servicer will advise Lender
accordingly and will ensure the compliance of all Subcontractors with the terms of this Servicing Agreement (including but not
limited to ensuring compliance by such Subcontractors with the confidentiality, audit, and insurance (at customary levels for a
business of the nature of the Subcontractor) requirements set forth in this Servicing Agreement). If Servicer is utilizing Subcontractors
to provide services pursuant to this Servicing Agreement, then Servicer acknowledges that it has overall accountability for all
services that its Subcontractors provide to Servicer in the fulfillment of this contract. Servicer represents and warrants that,
prior to the execution of this Servicing Agreement, it has provided Lender with a copy and/or summary of its policies, procedures
and/or processes for engaging and monitoring its Subcontractors and assessing its Subcontractors’ financial condition to
fulfill any of Servicer’s contractual obligations to provide services pursuant to this Servicing Agreement (its “Assessment
Program”). Servicer further represents and warrants that it will provide Lender with a copy of its Assessment Program
any time a material change is made or upon request. Servicer’s failure to comply with this subsection (ii) shall be deemed
a breach of this Servicing Agreement and grounds for termination for cause by Lender pursuant to Section 4.01(b) hereof (in accordance
with the terms thereof).

 

Section 2.07. Acknowledgement.
Servicer acknowledges and agrees that Lender is a banking entity and, therefore, is subject to the jurisdiction of federal,
state, and local governmental entities and agencies with the power to regulate and oversee banking and related activities.
Servicer acknowledges and agrees that in entering this Servicing Agreement and Origination Agreement with Lender, Servicer
and Servicer’s Subcontractors who provide products or services pursuant to the terms and conditions of this Servicing
Agreement may be subjecting themselves to the jurisdiction of such regulators. In addition to the requirements of the Master
Confidentiality and Non-Disclosure Agreement attached hereto as Schedule D and incorporated by reference herein
governing confidentiality and safekeeping of confidential information, Servicer agrees to comply with the regulatory provisions applicable to it during the Term of this Servicing Agreement.

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Section 2.08. Regulatory
Examination and Audit. Servicer acknowledges that Lender is subject to examination and audit by federal and state regulatory
and banking agencies (collectively, the “Regulatory Agencies”). Servicer further acknowledges that such Regulatory
Agencies may require access to, or may require Lender or Lender’s designee to access, Servicer’s or Servicer’s
Subcontractors’ facilities, systems, databases, financial statements, books and records, policies, procedures, internal controls,
training materials, audits, operational and security reviews, customer complaint tracking and related escalation and resolution
logs and procedures, SSAE 16 reports, business continuity plan(s), disaster recovery plan(s), and/or confidential information (the
“Audited Items”). Servicer will permit the Regulatory Agencies, Lender, or Lender’s designee to visit
Servicer’s facilities and to access, test, review, and/or evaluate (collectively, “Audit”) the Audited
Items at any time during regular business hours and upon reasonable prior written notice, if Lender is permitted to give such notice
under applicable Laws. Servicer shall use commercially reasonable efforts to procure for Lender the right to audit Servicer’s
Subcontractor(s) under the terms of this Section. Notwithstanding any other provision of this Servicing Agreement
to the contrary, Servicer acknowledges and agrees that (i) Lender must comply with any such request from the Regulatory Agencies,
and (ii) Lender is not responsible for any expenses associated with an Audit of Servicer or Servicer’s Subcontractors performed
by a Regulatory Agency or its respective third-party representative. Servicer agrees to cooperate reasonably with respect to all
such requests for access to the Audited Items and will provide Lender with such assistance in performing the Audit as Lender may
reasonably request; provided, however, that such Audit shall be conducted in a manner that does not unreasonably interfere with
Servicer’s operations or cause a disruption to Servicer’s personnel. Should Servicer receive a request from the Regulatory
Agencies or other governmental agencies to examine Servicer’s records pertaining to Lender or Lender’s customers, Servicer
further agrees to notify Lender as soon as practicable of any such request, if Servicer is not prohibited by Law from doing so.
Servicer’s and/or its Subcontractors’ failure to cooperate reasonably with all such Audits and/or requests for access
to the Audited Items shall be deemed a breach of the representations, warranties and covenants in Article V of this Servicing Agreement
and shall be grounds for termination of Servicer’s servicing role under this Servicing Agreement. Lender and Servicer agree
to amend this Servicing Agreement from time to time to the extent necessary to comply with applicable Laws and/or privacy and information
security requirements and directives of regulators having jurisdiction over Lender. If, during or after the Audit, Lender reasonably
determines that Servicer is not in compliance with this Servicing Agreement, including the methods of internal controls established
and implemented by Servicer or its Subcontractors, if any, with respect to understanding and compliance with all Laws, Lender will
notify Servicer of such compliance concern, and the Parties’ Relationship Managers shall negotiate in good faith a plan that
satisfactorily addresses Lender’s concerns within a reasonable time period, and Servicer shall implement such plan as agreed
by the Relationship Managers. Servicer’s failure to implement the agreed plan shall be deemed a breach of the representations,
warranties and covenants of Article V of this Servicing Agreement and shall be grounds for termination of Servicer’s servicing
role under this Servicing Agreement.

 

Section 2.09. Continuity
of Performance. As a banking entity, Lender is obligated to assure the safety, soundness, and continuity of certain essential
daily functions. Servicer acknowledges that its or its Subcontractors’ performance of the obligations set forth on Schedule

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2.09 attached hereto are
critical to the systems, applications, software, hardware, products, and services which are, in Lender’s reasonable determination,
necessary for Lender to carry out its daily operations (“Essential Daily Functions”) of Lender (including its
Affiliates). Lender will update Schedule 2.09 as necessary which update will be binding upon Servicer upon 30 days’ prior
written notice. Accordingly, any provisions to the contrary contained in this Servicing Agreement or any other agreement between
the Parties notwithstanding, Servicer shall not interrupt or cease providing such services to the extent the same are necessary
to Lender’s Essential Daily Functions, as determined by Lender in its reasonable discretion and as Lender notifies Servicer,
whether or not based on any asserted breach of this Servicing Agreement by Lender. Further, any provisions to the contrary contained
in this Servicing Agreement or any other agreement between the Parties notwithstanding, Servicer shall have no right to, and shall
not seek or obtain an injunction, specific performance, or other equitable relief that in any way would limit Lender’s right
to use the services which are necessary for such Essential Daily Functions or which are required to be maintained by Lender to
comply with applicable Laws. Servicer acknowledges and agrees that Lender’s remedies for breach of this Servicing Agreement
relating to the provision of Essential Daily Functions shall be limited to (a) equitable relief that does not have the effect
of interrupting such functions, or (b) monetary damages. Servicer acknowledges that it has waived its right to seek equitable
relief that will interrupt such Essential Daily Functions and agrees not to seek any such equitable relief. If the services provided
by Servicer are necessary for the Essential Daily Functions of Lender, Servicer assumes an independent obligation to continue
performance of its obligations hereunder related to such Essential Daily Functions regardless of any dispute (including a non-monetary
material breach by Lender) which may arise between Lender and Servicer. Such independent obligation of Servicer shall continue
until final resolution of the dispute, provided that during such period Lender timely fulfills all its obligations under this
Servicing Agreement or Origination Agreement with respect to which there is no good faith dispute, including any undisputed financial
obligations of Lender. Servicer undertakes this independent obligation without prejudice to any rights or remedies it may otherwise
have in connection with any dispute between Servicer and Lender. Lender agrees that it shall take all commercially reasonable
efforts to transition the services provided by Servicer hereunder to a new provider promptly, at Servicer’s request, if
Servicer’s provision of services is continuing solely pursuant to this Section.

 

Section 2.10. Business
Continuity. Servicer acknowledges and agrees that Lender is required by regulatory authorities having jurisdiction
over Lender to assure that its vendors have in place adequate business continuity plans to assure the safety, soundness, and continuity
of its Essential Daily Functions, as determined by Lender in its discretion. If Servicer is providing services critical to any
such Essential Daily Functions, then Servicer represents and warrants that prior to the execution of this Origination Agreement
it provided Lender with a copy and/or summary of its business continuity plan addressing the continuance of Servicer’s business
in the event of a disaster or other material interruption of Servicer’s business. Servicer further represents and warrants
that Servicer will have in place and will provide to Lender upon Lender’s reasonable request, or any time a material change
is made to, but in no event not less than annually, a copy of Servicer’s business continuity plan that conforms to Industry
Practices to the effect that Servicer’s performance of this Servicing Agreement and the Origination Agreement shall continue
with no

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more than minimal interruption in the event of a disaster, casualty, and/or any other contingency contemplated by such
business continuity plan. Servicer’s business continuity plan shall identify Servicer’s key Subcontractors, if any,
and shall account for temporary and permanent failures by those Subcontractors. Servicer agrees to the following: (i) Lender may
audit Servicer’s business continuity plans; (ii) upon Lender’s reasonable request, Servicer shall make available to
Lender for the purpose of responding to questions concerning Servicer’s business continuity plan, one or more Servicer representatives
who are knowledgeable about Servicer’s business continuity plan, the manner in which it is tested, and the manner in which
it would be implemented in the event of a disaster or other material interruption of Servicer’s businesses; and (iii) Servicer
shall provide to Lender upon Lender’s reasonable request, the results of its most recent business continuity plan test within
thirty (30) days following Lender’s request. Servicer shall use its best efforts to resume performance under this Servicing
Agreement as soon as possible after any disaster or other material interruption of Servicer’s business; provided, that no
such disaster, casualty, or other contingency shall operate to limit, diminish, abrogate, or delay the exercise of any rights or
remedies of Lender in the event of any failure of Servicer to perform this Servicing Agreement in accordance with the terms, provisions,
and conditions hereof. Servicer’s failure to maintain in place and periodically test a business continuity plan that meets
the requirements set forth in this Section 2.10 shall constitute a breach of the representations, warranties and covenants of Article
V of this Servicing Agreement.

 

Section 2.11 Disaster
Recovery. Servicer acknowledges and agrees that Lender is required by Regulatory Agencies having jurisdiction over Lender to
assure that its vendors have in place adequate disaster recovery plans to assure the safety, soundness, and continuity of certain
Essential Daily Functions, as determined by Lender in its discretion. If Servicer is providing services critical to any such Essential
Daily Functions, then Servicer represents and warrants that Servicer will have in place and will provide to Lender upon Lender’s
reasonable request, or any time a material change is made to, but in no event not less than annually, a copy of Servicer’s
disaster recovery plan that conforms to Industry Practices. Servicer’s disaster recovery plan shall: (i) address functions
and operations of the services used by Lender; (ii) specify recovery time frames for functions and operations used by Lender; (iii)
provide that the disaster recovery plan shall be tested and updated in accordance with Industry Practices; and (iv) provide that
the disaster recovery plan be regularly updated to the extent necessary to correct deficiencies therewith or to remain consistent
with Industry Practices, at Servicer’s cost. Servicer will (a) provide to Lender all applicable results of tests performed
on the operability of the disaster recovery services within thirty (30) days following the completion of such tests, (b) allow
Lender to passively participate (at its own expense) in such testing to a reasonable extent and in a manner that does not unreasonably
interfere with Servicer’s operations, the operations of other Servicer customers, or Servicer’s ability to conduct
such tests, and (c) promptly provide Lender with a notice of a disaster and the expected extent to which such disaster will impact
the delivery of the services. Servicer shall use its best efforts to resume performance under this Servicing Agreement as soon
as possible after any disaster or other material interruption of Servicer’s business; provided, that no such disaster, casualty,
or other contingency shall operate to limit, diminish, abrogate, or delay the exercise of any rights or remedies of Lender in the
event of any failure of Servicer to perform this Servicing Agreement in accordance with the terms, provisions, and conditions hereof.
Servicer

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will review any comments and suggestions presented by Lender with respect to Servicer’s disaster recovery plan and
take commercially reasonable steps to implement such comments and suggestions. Upon Lender’s request, Servicer will also
(A) review Lender’s disaster recovery plan, (B) prepare recovery procedures for each service that will be recovered (if such
procedures are not already part of Lender’s disaster recovery plan) and (C) participate in Lender’s recovery tests.

 

Section 2.12 Specially
Designated National; Foreign-Based Service Providers. Servicer represents and warrants that, in performing its obligations
under this Servicing Agreement, (i) it will not employ or subcontract with any person who is a “Specially Designated National”
as defined from time to time in regulations issued by the Office of Foreign Asset Control of the United States Department of the
Treasury; and (ii) Servicer is not a Specially Designated National. Servicer shall not utilize any foreign-based third party service
providers or Affiliates as Subcontractors during the term of this Servicing Agreement to provide services to Lender without obtaining
the prior written consent of Lender’s Chief Information Security Officer (“CISO”) or the CISO’s
designee after full disclosure of the location and background of such foreign-based third party service providers or Affiliates. Servicer’s
request to Lender’s CISO or the CISO’s designee for approval of a foreign-based third party service provider or an
Affiliate to act as a Subcontractor under the terms of this Servicing Agreement shall include no less than the Subcontractor’s
name, physical address, telephone number, contact person’s name and email address, and the services to be provided.

 

Section 2.13 Identity
Theft. Pursuant to Section 114 of the Fair and Accurate Credit Transactions Act of 2003 (“FACT Act”),
Lender is required to take steps to ensure that the activities of its service providers and/or its service providers’ Subcontractors
are conducted in accordance with reasonable policies and procedures designed to detect, prevent, and mitigate the risk of identity
theft. To the extent applicable, Servicer represents and warrants that it and/or Servicer’s Subcontractor(s) has/have developed
and implemented written policies and procedures as required by Section 114 of the 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 and/or Servicer’s Subcontractors’
program is to identify red flags indicative of possible identity theft. If Servicer and/or its Subcontractors identify a red flag
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 and/or its Subcontractors promptly will report the red flag to Lender’s Relationship Manager
and take all other appropriate steps to prevent or mitigate identity theft.

 

Section 2.14 Suspicious
Activity. Servicer will identify, monitor and report any suspicious activity related to the Loans and/or Loan payments, will
report to Lender any suspicious activity that it identifies and will provide Lender with such information and documentation as
Lender may request related to such suspicious activity.

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ARTICLE III

 

PERFORMANCE FEE AND SERVICING FEE

 

Section 3.01 Performance
Fee and Servicing Fee.

 

(a) No later than the seventh
day of 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 the same to Lender:

 

 (i) [*****].

 

(g) 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. [*****].

 

Section 3.04 [*****].

 

Section 3.05 Pre-Authorization
Funding for Loans.

 

(a) [*****].

 

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, Lockbox Bank or the bank holding
the GreenSky® Program ACH Account 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;

 

(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 ten (10) days after the 

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date
on which notice of such failure, requiring the same to be remedied, shall have been given to Servicer by Lender;

 

(c) any representation,
warranty, covenant 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 has a materially adverse effect on the Loans taken as a whole or on a Loan individually and which materially adverse
effect continues for a period of thirty (30) days after the date on which notice thereof, requiring the same to be remedied, shall
have been given to Lender by Servicer, unless such incorrect representation, warranty, covenant or certification cannot be remedied;
or

 

(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 Assets, or an action seeking a decree or order of a court or agency or 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 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,
so long as Servicer Default shall not have been timely remedied, unless such Servicer Default cannot be remedied, 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, which, for the avoidance of doubt, shall not terminate Servicer’s
right to receive the Performance Fee; 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.

 

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 payments hereunder reduced by 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”); 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

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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 shall thereafter be received by Servicer with respect to the Loans, and in assisting the 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 predecessor 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.

 

(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

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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.

 

(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. From and after the termination of the servicing by Servicer, the Performance
Fee due to Servicer under Article III shall be reduced by the commercially reasonable servicing fee in accordance with this Section
of this Servicing Agreement paid by Lender to the Successor Servicer, but the remainder of the Performance Fee shall be paid to
Servicer as contemplated by Article III. In the event that Lender serves as a Successor Servicer, the Performance Fee
due to Servicer under Article III shall be reduced by the commercially reasonable amount that Lender would have to pay to an independent
Successor Servicer in an arms’ length transaction.

 

(c) Upon termination of
Servicer’s servicing role under this Servicing Agreement, Servicer will use commercially reasonable efforts to assist Lender
to obtain (on a non-exclusive basis) any services then being performed by Servicer or its vendors or subcontractors to fulfill
its obligations under this Servicing Agreement.

 

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 in accordance with its terms (except as such
enforcement may be limited by bankruptcy, insolvency, reorganization, moratorium, receivership,

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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.

 

(d) Lender’s Code
of Business Conduct and Ethics (the “Code”) includes restrictions on Lender’s employees’ dealings
with third party vendors (for example, giving and receiving gifts, outside business ventures and investments, and borrowing from
vendors). Servicer and its personnel shall not induce or cause any employee of Lender to violate the Code. Servicer agrees to support
Lender’s employees’ compliance with all applicable provisions of the Code. Servicer may view the Code at www.regions.com,
and then by clicking the following links: Investor Relations, Corporate Governance, Code of Conduct, Code of Business Conduct,
and Ethics.

 

(e) Servicer agrees to maintain
the confidentiality of any information that it obtains from Lender with respect to Lender’s practices and procedures and
to use such information solely in connection with the transactions contemplated by this Servicing Agreement, subject to Servicer’s
ability to disclose such information (A) to any Governmental Authority with jurisdiction over Servicer, (B) to the extent required
by Law, and (C) to enforce its rights hereunder and under the Servicing Agreement as more fully described in the Master Confidentiality
and Non-Disclosure Agreement executed by the Parties and attached hereto as Schedule D and incorporated by reference herein.

 

(f) Servicer will not use
Lender’s name, marks, or refer to Lender directly or indirectly in any media release, public announcement, or public disclosure
relating to this Servicing Agreement or its subject matter to the extent the materials in such media release, announcement, or
disclosure have not previously been made publicly available without obtaining written consent from Lender for each such use or
release. This restriction includes, but is not limited to, any public promotional or marketing materials, websites, public electronic
media, customer lists or public business presentations. This restriction expressly excludes any announcement intended solely for
internal distribution by Servicer or any disclosure required by legal, accounting, or regulatory requirements beyond the reasonable
control of Servicer.

 

(g) Servicer hereby acknowledges
the validity of all trademarks, internet domain names, web addresses, telephone numbers, trade dress, service marks and/or trade
names (including, without limitation, logos and slogans) which identify or distinguish Lender or the goods, services or products
of Lender, its Affiliates, and their respective products and services (“Marks”), and further acknowledges and
agrees that Lender (or an applicable Affiliate) is and remains the exclusive owner of such Marks and names, and any and all rights
thereto. Neither Party shall have any right, title or interest in or to the Marks of the other Party or any of its Affiliates under
this Agreement, and nothing herein shall be construed as the grant of a license to use any such Marks. The Parties acknowledge
and agree that such rights may be conveyed only pursuant

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to the terms of a separate
license agreement between the Party claiming such rights and the owner of the Mark.

 

(h) GreenSky agrees to provide
notice to Lender of the outsourcing of collections by GreenSky to a third party collector.

 

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

 

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

 

(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 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.
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, unless sooner terminated as provided herein.

 

Section 6.02. [*****].

 

Section 6.03
Force Majeure.

 

(a) Notwithstanding any
other provision of this Servicing Agreement, if either Party is prevented, hindered or delayed in the performance or observance
of any of its obligations under this Servicing Agreement by reason of any circumstance beyond its reasonable control, including
but not limited to fire, flood, earthquake, extraordinary weather conditions not reasonably foreseeable by the Party, riots, civil
disorders, rebellions, or revolutions in any country (“Force Majeure”), that Party will be excused from any
further performance or observance of the

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obligations so
affected for as long as such Force Majeure circumstances prevail, provided that Party continues to use all commercially reasonable
efforts to recommence performance whenever and to whatever extent possible without delay (including compliance with applicable
business continuity plans and disaster recovery plans). The Parties acknowledge and agree that Force Majeure specifically excludes
strikes, work stoppages, labor shortages, etc. by Servicer’s employees. The Party affected by a Force Majeure event will
advise the other Party in reasonable detail of the event (including the estimated duration of the event) as promptly as practicable
(and in any event within four business hours after occurrence of the event) and keep the other Party reasonably apprised of progress
in resolving the event. Notwithstanding the foregoing, no Force Majeure event shall excuse Servicer from implementing any business
continuity plans or disaster recovery plans required by this Servicing Agreement.

 

(b) If Servicer is
providing services that are necessary to Lender’s Essential Daily Functions, as determined by Lender in its sole discretion,
and provision of such services is interrupted due to a Force Majeure condition, the following provisions shall apply. If Servicer
cannot promptly provide a suitable temporary substitute for any such service interrupted or delayed by a Force Majeure condition
reasonably anticipated to last more than five (5) business days in the case of a delay and more than forty-eight (48) hours in
the case of an interruption, Lender may, at Lender’s option, obtain substitute services from another vendor on a temporary
basis (the “Substitute Service”), provided that (i) Lender shall notify Servicer in writing as soon as practicably
possible of any Substitute Service, and (ii) Lender shall purchase or subscribe to such Substitute Service for the minimum commercially
available quantities or period that would cover the reasonably expected duration of the Force Majeure condition based upon Servicer’s
good faith estimate thereof. Servicer’s obligation to provide the affected service shall be suspended for such period or
during the period that Lender is subject to a Substitute Contractual Obligation (as defined hereafter), and such obligation shall
resume upon the later of the termination or expiration of Lender’s Substitute Contractual Obligation with third parties for
a Substitute or the cessation of the Force Majeure condition. As used herein, “Substitute Contractual Obligation” shall
mean an obligation under any contract to obtain or purchase a Substitute Service in the minimum commercially reasonable quantities
or for the minimum commercially reasonable period to address the Force Majeure event. For avoidance of doubt, it is specifically
understood and agreed that Lender may honor such Substitute Contractual Obligation and will not be required to take any action
to avoid or terminate the Substitute Contractual Obligation that would result in Lender’s incurring any penalty, termination
charge, or any similar cost or expense of any nature, however characterized. Subject to any such Substitute Contractual Obligation,
Lender shall resume use of the affected services promptly upon the cessation of the Force Majeure condition. In the event of a
Force Majeure condition that requires Lender to obtain Substitute Services: (i) Servicer shall not charge Lender for any services
that are not provided as a result of a delay or interruption excused as a Force Majeure condition during the period of such delay
or interruption; and (ii) Servicer shall not charge Lender any reactivation, reinstallation, or reconnection charge to resume use
of the restored services.

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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 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 Trade Credit, LLC
	 	1797 N.E. Expressway
	 	Atlanta, GA 30329
	 	Attention: President
	 	 
	If to Lender:	Regions Bank
	 	1900 Fifth Avenue North
	 	Birmingham, AL 35203
	 	Attention: Logan Pichel

 

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 originated
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 Servicing Agreement and the Origination Agreement, and Servicer may

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assign its interest hereunder as
part of the sale of all or substantially all of its assets or business. In addition, Servicer shall be entitled to convert into
either a Georgia or Delaware corporation.

 

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 superseded by this Servicing
Agreement. This Servicing Agreement may not be modified, amended, waived or supplemented except as provided herein.

 

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. Indemnification.
Notwithstanding any other provision of this Servicing Agreement, for separate additional consideration, the receipt and sufficiency
of which are hereby acknowledged, to the fullest extent permitted by law, each Party (the “Indemnifying Party”),
hereby agrees to indemnify and hold harmless the other Party, its affiliates, officers, directors, 

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managers, employees and
agents (collectively referred to herein as the “Indemnified Parties”) and defend at the Indemnifying Party’s
cost, which will be promptly paid upon demand, from and against any and all losses, liabilities, claims, demands, damages, and
all costs and expenses relating to such losses, liabilities, claims, demands and damages (including, without limitation, out-of-pocket
costs of investigation; costs of litigation; court costs; penalties; fines; taxes; charges; fees; settlements; licensing fees;
judgments; discovery costs; consultants’, experts’, and witnesses’ fees and expenses; interest; and reasonable
attorney fees and expenses, specifically including any fines or penalties imposed on Lender by a federal or state bank regulatory
agency, the United States Department of Justice, State Regulators, State Attorney Generals, the Federal Trade Commission or the
Consumer Financial Protection Bureau) of every, kind, nature and description sustained or incurred by the Indemnified Parties,
or any of them, that arise out of or relate to any Default, misrepresentation, breach, nonperformance or the inaccuracy of any
representation, warranty, covenant or other obligation by the Indemnifying Party made, owed or contained in this Servicing Agreement
or in any schedule, certificate or other document executed by the Indemnified Parties in connection with this Servicing Agreement
or the transactions contemplated herein, and the Indemnifying Party’s acts in performing its obligations herein or any act or
omission of any Subcontractor. The Indemnified Party shall have the right to choose counsel which shall not be rejected by the
Indemnifying Party unless the choice of counsel is unreasonable. Without the Indemnified Party’s consent, the Indemnifying
Party will not settle any claim or demand unless such settlement includes a release of the Indemnified Party and does not contain
any admission of wrongdoing.

 

Section 7.14. Limitations
on Liability for Damages. Notwithstanding any provision to the contrary in this Servicing Agreement, it is specifically
understood and agreed, such agreement being a primary consideration for the execution of this Servicing Agreement by Lender,
that (a) there shall be absolutely no personal liability on the part of any shareholder, director, officer, or employee of
Lender or Servicer with respect to any of the terms, covenants, and conditions of this Servicing Agreement, (b) Servicer and
Lender waive all claims, demands, and causes of action against Lender’s and its Affiliates’ or Servicer’s
and its Affiliates’, as the case may be, shareholders, officers, directors, employees, and agents in the event of any
breach by Lender of any of the terms, covenants, and conditions of this Servicing Agreement to be performed by Lender, and
(c) each Party shall look solely to the assets of the other Party or its Affiliates for the satisfaction of each and every
remedy in the event of any breach by the other Party or its Affiliates of any of the terms, covenants, and conditions of this
Servicing Agreement to be performed hereunder. Other than amounts actually recovered by third parties in connection with
Section 7.13 above, 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.

 

Section 7.15 Informal
Dispute Resolution. For any disputes relating to a breach of any representation, warranty or covenant under Article V of this
Servicing Agreement, Servicer and Lender will notify each other in writing within a commercially reasonable timeframe and as 

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promptly as possible regarding any conflicts
arising out of this Servicing Agreement, or in the interpretation of the provisions of this Servicing Agreement, or any dispute
as to whether or not a breach of this Servicing Agreement is alleged to have occurred, requesting informal dispute resolution.
Servicer and Lender will attempt to resolve all such conflicts as promptly as possible and in good faith before initiating any
causes of action arising out of this Servicing Agreement.

 

Section 7.16 Good Faith
Efforts. Each of the Parties agrees to negotiate, in good faith, any claim or dispute that has not been satisfactorily resolved
following the notice and informal dispute resolution process described above. To this end, each Party agrees to escalate any and
all unresolved disputes or claims in accordance with this Section before taking further action.

 

Section 7.17 Escalation
Procedures.

 

(a) If the negotiations
conducted pursuant to Section 7.15 do not lead to resolution of the underlying dispute or claim to the satisfaction of a Party
involved in such negotiations, then either Party may notify the other in writing that it desires to escalate the dispute or claim
to the Parties’ Relationship Managers for resolution.

 

	 	(i)	Level 1: The respective Relationship Managers for each Party will meet and attempt in good faith to resolve the dispute within 30 days of receipt of the notification.
	 	 	 
	 	(ii)	Level 2: If the conflict is not resolved within such 30 day period, either Business Group Executive shall escalate the dispute or claim to his/her executive level officer who will notify his/her counterpart at the other Party of the need to resolve the dispute or claim.  The Parties will then have 30 days from receipt of the notification to meet and attempt in good faith to resolve the claim or dispute.
	 	 	 
	 	(iii)	The location, format, frequency, duration and conclusion of these elevated discussions shall
    be left to the discretion of the Parties’ representatives involved.  Upon agreement, the representatives may
    utilize other alternative dispute resolution procedures to assist in the negotiations.  Discussions and
    correspondence among the representatives for purposes of these negotiations shall be treated as confidential information
    developed for purposes of settlement, exempt from discovery and production, which shall not be admissible in subsequent
    proceedings between the Parties. Documents identified in or provided with such communications, which are not prepared for purposes of the negotiations, are not so exempted and may, if otherwise admissible, be admitted in evidence in such subsequent proceeding.

 

(b) If the conflict is not
resolved by either Level 1 or Level 2 intervention, then either party may request in writing that the Parties resolve the conflict
by either mediation or binding

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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.

 

(c) During any conflict
resolution, Servicer agrees to provide services to Lender owed under this Servicing Agreement relating to items not in dispute,
to the extent practicable pending resolution of the conflict. Lender agrees to pay invoices or portions thereof that are not related
to the dispute pursuant to this Servicing Agreement.

 

(d) Relationship Managers
and Business Group Executives. Each Party shall designate a Relationship Manager and a Business Group Executive for purposes
of this Servicing Agreement and the Origination Agreement in writing in accordance with the notice provisions hereof. Each Party
may remove and change its Relationship Manager and Business Group Executive through similar notice. Servicer’s initial Relationship
Manager shall be Stefan Woulfin, Senior Vice President, and its initial Business Group Executive shall be Tim Kaliban, President.
Lender’s initial Relationship Manager shall be __________, and its initial Business Group Executive shall be __________.

 

Section 7.18 Jury Waiver.
WITH RESPECT TO ANY CLAIM OR DISPUTE UNDER THIS SERVICING AGREEMENT, THE PARTIES HEREBY IRREVOCABLY WAIVE ALL RIGHT TO TRIAL BY
JURY IN ANY COURT IN ANY ACTION FOR THE ADJUDICATION OF ANY CLAIM OR DISPUTE ARISING UNDER THIS SERVICING AGREEMENT.

 

Section 7.19 Termination.
In no event will the existence or implementation of the dispute resolution process set out in this Sections 7.15, 7.16 or 7.17
or any other dispute resolution process selected or engaged in by the Parties, affect either Party’s right to terminate this
Servicing Agreement under Article VI.

 

Section 7.20 No Disabling
Procedures. Servicer represents and warrants that to the best of its knowledge and belief, (a) any electronically delivered
services provided under this Servicing Agreement, (b) the use of any data transfers, or any website by which Lender will access
the services provided under this Servicing Agreement, (c) any reports or other data furnished to Lender pursuant to this Servicing
Agreement, (d) any software provided by Servicer to Lender in order for Lender to access any services provided under this Servicing
Agreement, and (e) other deliverables provided by Servicer under this Agreement related to the services hereunder (“Deliverables”)
do not and will not contain any program, routine, device, code, or instructions (including any code or instructions provided by
third parties) or other undisclosed feature, including, without limitation, a time bomb, virus, software lock, drop-dead device,
malicious logic, worm, Trojan horse, spyware, bug, error, defect, or trap door, that is capable of (or has the effect of allowing
any untrusted party or malicious user to be capable of) accessing, modifying, deleting, damaging, disabling, deactivating, interfering
with, or otherwise harming the Deliverables, any of Lender’s or its Affiliates’ computers, networks, data, or other
electronically stored information, or computer programs or systems (collectively, “Disabling Procedures”); provided,
however, Lender agrees that Servicer may use license keys or other features that limit or restrict Lender’s or its Affiliates’
use of relevant software provided or made available in connection with the services 

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hereunder or the Deliverables following expiration
of applicable license terms (if any). Such representation and warranty applies regardless of whether such Disabling Procedures
are authorized by Servicer to be included in the Deliverables. If Servicer incorporates into the services under this Servicing
Agreement or related Deliverables programs or routines supplied by other servicers, licensors, or contractors, Servicer shall obtain
comparable warranties from such other providers, or Servicer shall take appropriate action to ensure that such programs or routines
are free of Disabling Procedures. Notwithstanding any other limitations in this Servicing Agreement, Servicer agrees to notify
Lender promptly upon discovery of any Disabling Procedures that are or reasonably suspected to be included in the Deliverables,
and if Disabling Procedures are discovered or reasonably suspected to be present in the Deliverables, Servicer, at its entire liability,
agrees to use commercially reasonable efforts to take action promptly, at its own expense, to identify and eradicate (or equip
Lender to identify and eradicate) such Disabling Procedures and carry out any recovery necessary to remedy any impact of such Disabling
Procedures.

 

Section 7.21 Prohibition
Against Unfair, Deceptive or Abusive Acts or Practices (UDAAP). Lender is committed to treating prospective and existing customers
in a manner that is equitable, transparent, and consistent with consumer 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 Servicing Agreement and to prohibit Servicer’s and, if relevant,
its Subcontractors’ personnel from engaging in unfair, deceptive or abusive acts or practices as it relates to Borrowers.
In accordance therewith, Servicer agrees to provide Lender, upon reasonable request, with:

 

	 	i.	a certification that Servicer’s personnel have completed UDAAP training;
	 	 	 
	 	ii.	a certification that Servicer’s and, if relevant, its Subcontractors’, direct customer-facing personnel’s contact with Borrowers is subject to quality assurance review to ensure compliance with all applicable Laws; 
	 	 	 
	 	iii.	upon Lender’s request: (1) Servicer’s Complaint Tracking Procedures in compliance with the requirements of Section 2.05 above; and (B) the results of the Complaint Tracking Procedures in compliance with the requirements of Section 2.05 above;
	 	 	 
	 	iv.	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;
	 	 	 
	 	v.	documentation of follow-up actions performed by Servicer to ensure the recommended corrective actions are implemented;

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	 	vi.	subject to Servicer’s customary retention policies, recordings of customer support calls made to or received from Borrowers; and
	 	 	 
	 	vii.	all marketing and advertising materials, 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.

 

Section 7.22 Insurance.
Servicer’s placement of at least $4,000,000 of coverage protection under errors and omissions and directors and officers
insurance policies including $1,000,000 in dedicated coverage for information security breaches with a carrier rated “AX”
or higher by A.M. Best or that otherwise is reasonably acceptable to Lender, whose approval will not be unreasonably withheld.
Servicer will furnish a certificate of insurance showing the required insurance is in force and satisfies this requirement upon
Lender’s request.

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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 
	 	 	 
	 	REGIONS BANK
	 	 	 
	 	By:	/s/ John S. Hiott
	 	Name:	John S. Hiott
	 	Title:	SVP, Corporate Procurement

    	28Exhibit 10.13

 

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Composite Version as amended

through Fourth Amendment

 

 

 

 

LOAN ORIGINATION AGREEMENT

 

 

 

Dated as of August 4, 2015

 

 

 

by and between

 

 

 

GREENSKY, LLC

 

 

 

and

 

 

 

SYNOVUS BANK

    	 

    	 

    

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LOAN ORIGINATION AGREEMENT

 

THIS LOAN ORIGINATION 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; July 18, 2017; October 27, 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 is a party
to an agreement with the Program Sponsor(s) pursuant to which Servicer has agreed to provide credit to the Program Sponsor’s
customers; and

 

WHEREAS, Lender desires
to provide such credit directly to the Program Sponsor’s customers 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 1.01Definitions.
All capitalized terms used herein or in any certificate or document, or Origination Paper made or delivered pursuant hereto shall
have the following meanings:

 

“Acquired Loans”
shall mean (a) the “Loans” as defined in that certain Purchase and Sale Agreement between Lender, Servicer and [*****]
dated as of October 27, 2017, which were acquired by Lender pursuant thereto, and (b) the “Loans” as defined in that
certain Purchase and Sale Agreement between Lender, Servicer and [*****] dated as of February 28, 2018, which were acquired by
Lender pursuant thereto.

 

“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.

 

“Anti-Money Laundering
Laws” shall have the meaning given to such term in Section 4.02(a)(xiv).

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“Assets”
of a Person shall mean all of the assets, properties, businesses and rights of such Person of every kind, nature, character and
description, whether real, personal or mixed, tangible or intangible, accrued or contingent, or otherwise relating to or utilized
in such Person’s business, directly or indirectly, in whole or in part, whether or not carried on the books and records of
such Person, and whether or not owned in the name of such Person or any Affiliate of such Person and wherever located.

 

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

 

“Borrower”
shall mean, with respect to any Loan, the Person that is 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).

 

“Compliance Conditions”
shall be deemed to refer to and include all of the requirements and conditions set forth on Schedule A, which is attached
hereto and hereby incorporated herein by specific reference thereto.

 

“Consumer Lending
Laws” shall have the meaning set forth in Section 4.02(a)(iv).

 

“Contract”
shall mean any written or oral agreement, arrangement, authorization, commitment, contract, indenture, instrument, lease, obligation,
plan, practice, restriction, understanding, or undertaking of any kind or character, or other document to which any Person is a
party or that is binding on any Person or its capital stock, Assets or business.

 

“Credit Policy”
shall have the meaning set forth in Schedule B attached hereto.

 

“Dealer Program
Agreement” shall mean the GreenSky Consumer Credit Program® Agreement substantially in the form attached
hereto as Schedule D entered into between the Servicer and a Dealer Program Sponsor (or in such other form as agreed to
in writing by the Servicer and the Lender.)

 

“Dealer Program
Sponsors” shall mean (x) merchants and dealers of goods and services operating in the home improvement sector (including,
but not limited to, building materials, home improvement products, lawn and garden products, home maintenance, flooring, cabinets,
countertops, solar systems, HVAC, paint, roofing, siding, water heater systems, and kitchen and bath systems and fixtures), in
each case, that executes a Dealer Program Agreement and (y) merchants and dealers of goods and services outside the home improvement
sector that the Servicer and Lender have agreed to in writing to constitute Dealer Program Sponsors and that, in each case, have
executed a Dealer Program Agreement.

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“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.

 

“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.

 

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

 

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

 

“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,
including, without limitation, the Gramm-Leach Bliley Act (15 U.S.C. 6801-6809).

 

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

 

“Liability”
shall mean any direct or indirect, primary or secondary, liability, indebtedness, obligation, penalty, cost or expense (including
costs of investigation, collection and defense), claim, deficiency, guaranty or endorsement of or by any Person (other than endorsements
of notes, bills, checks, and drafts presented for collection or deposit in the ordinary course of business) of any type, whether
accrued, absolute or contingent, liquidated or unliquidated, matured or unmatured, or otherwise.

 

“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.

 

“Loans”
shall mean loans created subsequent to the Effective Date pursuant to and during the term of any Program Agreement, together with
any amounts, including interest, fees and other charges, generated with respect thereto.

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

 

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

 

“Marketing Materials”
shall mean the materials used or to be used by Servicer in connection with the originating or servicing of the Loans.

 

“[*****].

 

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

 

“Noncompliance
Event” shall have the meaning given to such term in Section 6.03.

 

“OFAC list”
shall have the meaning given to such term in Section 4.02(a)(xi).

 

“Optional Purchase”
shall have the meaning given to such term in Section 6.06.

 

“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.

 

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

 

“Origination Papers”
shall have the meaning set forth in Section 4.01(a)(ii) and shall include the documents and instruments referenced in Section 2.03.

 

“Outstanding Balance”
shall mean, as of any specified date, the face value of a Loan made 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 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, for any month, the annualized monthly Portfolio Credit Losses as a percentage of the aggregate Outstanding Balances
of all Loans measured at month-end for such month.

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“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.

 

“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.

 

“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.

 

“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 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 (i) the GreenSky Installment Loan Program Agreement by and between Servicer and THD At-Home Services, Inc. entered into
as of August 21, 2009, as heretofore and hereafter amended (ii) all other Dealer Program Agreements and (iii) such other
agreements as may be agreed to by Servicer and Lender in writing.

 

“Program Sponsors”
shall mean (i) The Home Depot, Inc. and THD At-Home Services, Inc. and (ii) other Dealer Program Sponsors.

 

“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 mean the Servicing Agreement, dated as the date hereof, by and between Servicer and Lender, as such agreement hereafter may
be amended.

 

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

 

“Settlement Amount”
shall mean the amounts advanced by Lender to the Borrower or on behalf of a Borrower to Program Sponsors which constitute disbursement
of a Loan to the Borrower.

 

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

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

 

“Term”
shall have the meaning given to such term in Section 6.01.

 

“To the Best of
Lender’s Knowledge” shall mean Lender’s knowledge after diligent investigation.

 

“To the Best of
Servicer’s Knowledge” shall mean Servicer’s knowledge after diligent investigation.

 

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

 

“Underwriting Criteria”
shall mean the Lender’s underwriting standards for Loans reflected in Schedule B attached, as they may be amended from time
to time as follows: (i) by agreement of the Parties, (ii) unilaterally by Lender in response to advice, comments or directives
received from a Governmental Authority upon thirty (30) days advance written notice to Servicer, (iii) unilaterally by Lender
to the extent required by Law upon written notice to Servicer, (iv) [*****], (v) unilaterally by Lender in the event the average
Performance Threshold for any rolling three-month period is greater than [*****].00% upon ten (10) days advance written notice
to Servicer, (vi) [*****], and (vii) as permitted in Sections 2.06 and 6.02 hereof.

 

Section 1.02Other
Definitional Provisions.

 

(a) All terms defined in
this Origination Agreement shall have the defined meanings when used in any certificate, other document, or Origination Paper 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 Origination Agreement
or any Origination Paper shall refer to this Origination Agreement as a whole and not to any particular provision of this Origination
Agreement; and Section, Subsection, Schedule and Exhibit references contained in this Origination Agreement are references to Sections,
Subsections, Schedules and Exhibits in or to this Origination Agreement unless otherwise specified.

 

ARTICLE II

 

LOAN ORIGINATION RIGHTS & OBLIGATIONS

 

Section 2.01Loan
Origination Obligations.

 

(a) Origination of Loans.

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(i) Subject to the terms
and conditions hereof, Lender will fund newly originated Loans for the Program Sponsor’s customers identified by Servicer
that meet the Underwriting Criteria up to a limit of $[*****] ($[*****].00) in aggregate outstanding principal balances
at any time (the “Commitment Amount”); provided, however, that, unless otherwise agreed in writing by
the Lender, (A) (i) [*****] and (ii) [*****] and (B) [*****]. The Commitment Amount may be increased in accordance
with the mutual agreement of Lender and Servicer as evidenced by a written agreement. Loans shall be funded at 100% of par of the
Loan.

 

(ii) If Servicer concludes
that a potential Borrower meets the Underwriting Criteria, Servicer shall cause each Borrower of a Loan to execute a loan agreement
substantially in the form attached hereto as Schedule C, and other documentation as determined by the parties, which shall
include an interest rate, loan term, repayment and other terms as set forth in Schedule B.

 

(b) Intent of Parties.
Servicer and Lender intend that 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. To the extent, however, that Servicer is deemed to have
an ownership interest therein, 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. Notwithstanding the foregoing, Servicer
and Lender agree that Servicer owns the customer relationships with the Borrowers established as a result of the Loans, provided,
however, that the foregoing shall have no effect on any customer relationships between Lender and Borrower established independently
of the Loan including, without limitation, for example, as a result of any existing banking or lending relationships between Lender
and Borrower or a banking or lending relationship that arises after the effective date of this Agreement, whether or not solicited
by Lender as part of a solicitation of Borrowers by Lender; provided, however, that Servicer also recognizes that Lender is subject
to certain regulatory restrictions, including without limitation, the consumer confidentiality and other provisions Gramm-Leach
Bliley Act, and Servicer shall at all times act in accordance therewith.

 

(c) Settlement Procedure.

 

(i) No later than 12:00
noon (Eastern time) each Business Day, the (“Settlement Date”), Servicer, by written electronic transmission,
shall provide Lender’s designee (as specified in Section 7.03 hereof) 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
Lender shall use commercially reasonable efforts to pay the Settlement Amount 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) (but in any event by the
following Business Day), 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.

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(ii) Servicer shall promptly
notify Lender’s designee (as specified in Section 7.03 hereof) by written electronic transmission if the Settlement Amount
is not received when due.

 

(iii) All amounts paid on
the Loans by Borrowers shall be paid into the Lockbox and shall be disbursed from the Lockbox in accordance with the terms and
procedures set forth in the Servicing Agreement and/or the Lockbox Agreement, as applicable. In the event that Servicer shall at
any time receive any payment with respect to any Loan from a Borrower, Servicer shall immediately forward such amount into the
Lockbox, and notify Lender in writing.

 

(d) Pre-Funding Balance
for Loans.

 

(i) [*****].

 

Section 2.02 Dispute
over Settlement Amount.

 

(a) In the event Lender
disputes the accuracy of the Settlement Amount reported by Servicer, Lender shall promptly notify Servicer, but such notice shall
not affect Lender’s obligation for timely payment of the Settlement Amount as noticed by Servicer to Lender, unless the Settlement
Amount, together with all prior Settlement Amounts advanced by Lender, less payments received by Lender, will 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 shall promptly 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 Additional
Documentation. If, in the reasonable judgment of a Party, in connection with the making of any Loan any additional instrument,
document, or certificate is required to further evidence such Loan or ownership, the other Party shall execute and deliver any
such document.

 

Section 2.04 Portfolio
Data. Notwithstanding anything to the contrary contained in this Origination Agreement, Servicer may share any portfolio data
associated with the Loans that does not contain personal identifying information of a Borrower and does not identify the Lender
by name with the Program Sponsor(s), potential and actual financing sources for Servicer’s business, Servicer’s business
partners and professional advisors. Any such disclosure shall be made in compliance with any Consumer Lending Law and other applicable
Law.

 

Section 2.05 Minimum
Interest Rate. Servicer and Lender agree that (i) the interest rate charged on any Loan may exceed the minimum interest rate
set forth in the Underwriting Criteria and (ii) for every increase or decrease of 100 basis points in the Bank Margin, the minimum
interest rate charged on Loans shall accordingly increase or decrease by 100 basis points.

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Section 2.06 Allocation
of Loans [*****].

 

Section 2.07 Improper
Loans. Servicer shall immediately purchase any Loan found to be originated in a manner in contradiction of, or inconsistent
with, the terms of this Origination Agreement (including any misrepresentations by the Servicer with respect to such Loan made
hereunder and including for non-compliance with any Law (including any Consumer Lending Law)), for an amount equal to the Outstanding
Balance of such Loan, including all accrued interest even if the Loan is more than 90 days past due (but has not otherwise been
purchased by Servicer).

 

Section 2.08 Exclusive
Program. Lender agrees that neither it nor its Affiliates will provide customer financing for the Program Sponsor other than
pursuant to this Origination Agreement [*****].

 

ARTICLE III

 

DAMAGES

 

Section 3.01 Servicer’s Damages.
In the event of a Default by Lender of this Origination Agreement, Lender shall be liable for all of Servicer’s damages under
applicable law, and for the sake of clarity, such damages shall include, but not be limited to, the Performance Fee and Servicing
Fee corresponding to all Loans originated for Lender.

 

Section 3.02 Lender’s
Damages. In the event of a Default by Servicer of this Origination Agreement, 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 3.03. Types of
Damages. Except as expressly provided in Sections 3.01 and 3.02, 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 of the Servicing Agreement or of the obligation of the Servicer to repurchase
Loans pursuant to Section 2.07 hereof.

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ARTICLE IV

 

REPRESENTATIONS AND WARRANTIES

 

Section 4.01 Representations
and Warranties of Servicer Relating to Servicer.

 

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

 

(i) 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. The Servicer shall give the Lender thirty
days prior notice of any such conversion.

 

(ii) Capacity; Authority;
Validity. Servicer has all necessary company power and authority to enter into this Origination Agreement and to perform all
of the obligations to be performed by it under this Origination Agreement. This Origination Agreement, the Servicing Agreement
and any other document or instrument delivered pursuant hereto, (such other documents or instruments, collectively, the “Origination
Papers”) and the consummation by Servicer of the transactions and agreements contemplated hereby and by the Origination
Papers have been duly and validly authorized by all necessary company action on the part of Servicer, and this Origination Agreement
and the Origination Papers have been duly executed and delivered by Servicer and constitute the valid and binding obligation of
Servicer and are enforceable against Servicer in accordance with their 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).

 

(iii) Conflicts; Defaults.
Neither the execution and delivery of this Origination Agreement or the Origination Papers by Servicer nor the consummation of
the transactions contemplated by this Origination Agreement and the Origination Papers 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 articles of organization or the operating agreement 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. Servicer is
not subject to any agreement with any regulatory authority which would prevent the consummation by Servicer of the transactions
contemplated by this Origination Agreement.

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(iv) Litigation.
There is no claim, or any litigation, proceeding, arbitration, investigation or controversy pending, to which Servicer is a party,
and by which it is bound, which adversely affects Servicer’s ability to consummate the transactions or obligations contemplated
hereby, and, To the Best of Servicer’s Knowledge, no 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.

 

(v) 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 and delivered to Lender and other than the filing of financing statements in connection
with the transactions hereunder) in connection with the execution or delivery of this Origination Agreement or the Origination
Papers by Servicer, the validity of this Origination Agreement or the Origination Papers with respect to Servicer, the enforceability
of this Origination Agreement or the Origination Papers against Servicer, the consummation by Servicer of the transactions contemplated
hereby or by the Origination Papers, or the performance by Servicer of its obligations hereunder and under the Origination Papers.

 

(vi) 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 and under the Origination Papers.

 

(vii) 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 Origination Agreement, Origination Papers, the Servicing Agreement or
the performance by Servicer of its obligations hereunder or thereunder. Servicer has in effect all material Permits necessary for
it to own, lease, or operate its Assets and to carry on its business 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:

 

(A) in Default under any
of the provision of its operating agreement in any material respect that would have a material adverse effect on this Origination
Agreement or the Servicing Agreement or the transactions contemplated hereby or thereby;

 

(B) in Default under any
Laws, Orders, or Permits applicable to its business or employees conducting its businesses in any material respect that would cause
a material adverse effect on this Origination Agreement or the Servicing Agreement; or

 

(C) in receipt of any notification
or communication from any Governmental Authority or the staff thereof (i) asserting that Servicer is not in material compliance
with any of the Laws or Orders which such Governmental Authority enforces, (ii) threatening to revoke any material Permits 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 materially the conduct
of

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its respective business or in any manner relates to capital adequacy, credit or reserve policies or management in any material
respect that would cause a material adverse effect on this Origination Agreement or the Servicing Agreement.

 

(b) Notice of Breach.
Upon discovery by either Servicer or Lender of a breach of any of the representations and warranties set forth in this Section
4.01, the Party discovering such breach shall give written notice to the other Party within three (3) Business Days following such
discovery; provided that the failure to give notice within three (3) Business Days does not preclude subsequent notice.

 

Section 4.02 Representations
and Warranties of Servicer Relating to the Origination Agreement and the Loans.

 

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

 

(i) Enforceability.
Each Program Agreement shall constitute a legal, valid and binding obligation of the Servicer enforceable against such applicable
Person in accordance with its terms, except as such enforceability may be limited by applicable conservatorship, receivership,
insolvency, reorganization, moratorium or other similar laws affecting creditors’ rights generally or general principles
of equity.

 

(ii) No Defaults.
There are no existing Defaults under this Origination Agreement, the Servicing Agreement or the Program Agreements under which
the Loans are originated.

 

(iii) Ownership.
Except as otherwise provided herein, upon the funding of a Loan, 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.

 

(iv) Compliance with
Law. In originating and servicing the Loans, Servicer has complied with and will comply with (and has provided training to
its applicable personnel regarding compliance with), and each such Loan complies with, all Laws, rules or regulations applicable
thereto, including, without limitation, all federal and state laws, rules, regulations related to truth-in-lending, fair credit
billing, 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 Customer Identification
Program (CIP)) requirements and suspicious activity reporting, and OFAC verification (including all rules and regulations now or
hereafter promulgated by the Federal Reserve Bank, 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”), each as applicable. The
Loans were originated, made, and are at all times being serviced substantially in accordance with those customary origination,
servicing and collection practices of prudent lending institutions that originate, make, and/or

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service loans of the same type
as the Loans and in any event in accordance with all applicable Laws (including all Consumer Lending Laws).

 

(v) Consents. All
authorizations, consents, orders or approvals of or registrations or declarations with any Governmental Authority required to be
obtained, effected or given by Servicer in connection with the origination of Loans as contemplated by Section 2.01(a) have been
duly obtained, effected or given and are in full force and effect.

 

(vi) Grant of Security
Interest. If this 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, which is enforceable upon execution
and delivery of this Origination Agreement. Upon the filing of an appropriate financing statement, naming Lender as secured party
and Servicer as debtor and identifying the Loans as collateral, Lender shall have a perfected security or ownership interest in
such property that shall be a first priority security or ownership interest, subject only in the case of its categorization as
a security interest to liens for taxes, assessments or other governmental charges that are not yet due and payable or that are
being contested by Servicer in good faith and in respect of which appropriate reserves have been established and other customary
permitted liens. Servicer agrees to cooperate as Lender may request in filing financing statements or make 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.

 

(vii) No Prior Sale.
There has been no prior sale, assignment or hypothecation of any Loan to any other Person by Servicer, nor is there an agreement
with respect to any of the foregoing.

 

(viii) 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 Origination Agreement and the Servicing Agreement is true and correct in all material respects
and in all material respects accurately reflects the status of each Loan including, but not limited to, the Outstanding Balance
thereof, the interest rate thereon, the payment and collection history, identity of all Borrowers, and the performance of the Loan
(including whether the Loan is then past due). At the time of approval, all information regarding a given Borrower shall be true
and correct in all material respects (although Servicer makes no representation with respect to stated income), and the Servicer
has conducted the diligence and inquiries regarding each Borrower in accordance with its “Compliance Management System”
(a copy of which was provided to Lender prior to the date hereof) and its supporting policies and procedures and will not alter
such diligence or inquiries except as would be consistent with what a prudent lending institution that originates, makes or services
loans of the same type would do.

 

(ix) Investigation.
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.

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(x) Compliance with Underwriting
Criteria. Each Borrower, and each Loan made to each Borrower, complies with the Underwriting Criteria (and, for purposes of
making this representation and the representation set forth in the second sentence of clause (viii) above, 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).

 

(xi) Anti-Money Laundering.
In originating the Loans, Servicer and any third parties involved in the origination of the Loans have complied with all applicable
anti-money laundering laws, including without limitation the USA Patriot Act of 2001, as amended, and any similar applicable Laws
(collectively, the “Anti-Money Laundering Laws”); Servicer and any third parties involved in the origination
of the Loans have established anti-money laundering compliance programs as required by the Anti-Money Laundering Laws and have
conducted the requisite due diligence in connection with the origination of the Loans for purposes of the Anti-Money Laundering
Laws; and Servicer maintains, and will maintain, sufficient information to evidence such actions and identify the applicable Borrowers
for purpose of the Anti-Money Laundering Laws. Servicer shall 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. Upon request, Servicer shall provide documents and information requested by
Lender demonstrating Servicer’s compliance with the referenced laws and regulations including, but not limited to, customer
information that was required to be collected during the loan origination process. The audit rights permitted to Lender under this
Origination Agreement shall include the right of Lender to review the Servicer’s anti-money laundering compliance program.

 

(xii) Reasonable Steps.
With respect to each individual assigned by Servicer to perform services for Lender, including originating and Servicing the Loans,
Servicer has taken 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 all commercially reasonable steps to ensure that no entity to
which Servicer subcontracts any work under this Origination Agreement or the Servicing Agreement is on the OFAC list. Neither Servicer,
nor any of its owners (including without limitation its shareholders, partners and members, as applicable) are on the OFAC list.

 

(xiii) Acceptable Investment.
To the Best of Servicer’s Knowledge, there are no circumstances or conditions with respect to any Loan or any Borrower that
can reasonably be expected to cause private institutional investors to regard any Loan as an unacceptable investment, cause the
Loan to become delinquent or adversely affect the value or marketability of the Loan.

 

(xiv) Documentation/Due
Execution. Each loan file for each Loan contains the credit agreement, all underwriting documents, all collection notes, all
required disclosures, and all formal correspondence and notices and shall otherwise contain all such information and documentation

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as required under applicable Laws for the Lender to fund and maintain a given Loan made hereunder. Such loan files shall be maintained
by the Servicer in a manner consistent with these practices of a prudent lending institution. The credit agreement and all other
instruments evidencing any Loan have been duly executed by the applicable Borrower with respect thereto.

 

(b) Notice of Breach.
Upon discovery by either Servicer or Lender of a breach of any of the representations and warranties set forth in this Section
4.02, the Party discovering such breach shall give written notice to the other Party within three (3) Business Days following such
discovery; provided that the failure to give notice within three (3) Business Days does not preclude subsequent notice.

 

(c) Limited Remedy in
Certain Circumstances. The Lender shall have as its sole remedy for an unintentional breach of the representation set forth
in the second sentence of clause (viii), clause (x) or the second sentence of clause (xiv) the right to require the Servicer to
repurchase the applicable Loan(s) giving rise to such misrepresentation pursuant to Section 2.07 hereof.

 

Section 4.03 Representations
and Warranties of Lender.

 

(a) 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:

 

(i) Organization.
Lender is a state bank duly organized, validly existing and in good standing under the laws of the State of Georgia; provided,
however, that the Lender may from time to time re-incorporate or re-charter under any other U.S. or state banking Law.

 

(ii) Capacity; Authority;
Validity. Lender has all necessary power and authority to enter into this Origination Agreement and to perform all of the obligations
to be performed by it under this Origination Agreement. This Origination Agreement and the consummation by Lender of the transactions
contemplated hereby and by the Origination Papers have been duly and validly authorized by all necessary action on the part of
Lender, and this 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).

 

(iii) Conflicts; Defaults.
Neither the execution and delivery of this Origination Agreement or the Origination Papers by Lender nor the consummation of the
transactions contemplated by this Origination Agreement and the Origination Papers 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

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(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. Lender is not subject to any agreement
with any regulatory authority which would prevent the consummation by Lender of the transactions contemplated by this Origination
Agreement.

 

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

 

(v) 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 and delivered to Servicer and other than the filing of financing statements in
connection with the transfer of the Loans) in connection with the execution or delivery of this Origination Agreement or the Origination
Papers by Lender, the validity of this Origination Agreement or the Origination Papers with respect to Lender, the enforceability
of this Origination Agreement or the Origination Papers against Lender, the consummation by Lender of the transactions contemplated
hereby or by the Origination Papers, or the performance of Lender of its obligations hereunder and under the Origination Papers.

 

(vi) Compliance with
Laws. The Underwriting Criteria 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. The Lender (x) is a state bank whose deposits are,
as of the date hereof, insured by the Federal Deposit Insurance Corporation and (y) has in effect and will have in effect
all material Permits necessary for it to own, lease, or operate its Assets and to carry on its business as now conducted and as
contemplated hereby, and such Permits are in full force and effect, except, in each case, where the failure to so obtain or maintain
such Permit would not have a material adverse effect on the Lender’s ability to perform its obligations hereunder (it being
agreed that the failure to have a Permit that is necessary for a Loan to be validly made and enforceable is material), and, To
the Best of Lender’s Knowledge, there has occurred no Default under any such Permit, and the Lender is not:

 

(A) in Default under any
of the provision of its charter or bylaws, in any material respect that would have a material adverse effect on this Origination
Agreement or the Servicing Agreement or the transactions contemplated hereby or thereby;

 

(B) in Default under any
Laws, Orders, or Permits applicable to its business or employees conducting its businesses in any material respect that would cause
a material adverse effect on this Origination Agreement or the Servicing Agreement; or

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(C) in receipt of any notification
or communication from any Governmental Authority or the staff thereof (i) asserting that Lender is not in material compliance with
any of the Laws or Orders which such Governmental Authority enforces, (ii) threatening to revoke any material Permits 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 respective business or in any manner relates to capital adequacy, credit or reserve policies or management in
any material respect that would cause a material adverse effect on this Origination Agreement or the Servicing Agreement.

 

(b) Notice of Breach.
Upon discovery by either Servicer or Lender of a breach of any of the representations and warranties set forth in this Section
4.03, the Party discovering such breach shall give written notice to the other Party within three (3) Business Days following such
discovery; provided that the failure to give notice within three (3) Business Days does not preclude subsequent notice.

 

ARTICLE V

 

COVENANTS

 

Section 5.01 Covenants
of Servicer and Lender.

 

(a) Covenants of Servicer.
Servicer hereby covenants and agrees with Lender as follows:

 

(i) Ownership Interests.
Servicer will not sell, pledge, assign or transfer to any Person other than Lender, or take any other 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.

 

(ii) Notice of Liens.
Servicer shall notify Lender promptly after becoming aware of any Lien on any Loan.

 

(iii) Documentation of
Transfer. Lender may file such documents (at the expense of Lender) as may be necessary to transfer or perfect and maintain
the perfection of the transfer of the Loans to Lender, and Servicer shall cooperate with Lender in any such filing. Servicer hereby
authorizes and ratifies all such filings.

 

(iv) Official Records.
Servicer shall maintain this Origination Agreement and the Servicing Agreement as a part of its official records.

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(v) Compliance Testing.
Servicer shall make its facilities and records available to Lender upon reasonable request for quarterly statistical sampling of
the Loans, for a review of the loan files of the Loans and for review of such other information and documents as Lender may reasonably
request to enable Lender to determine Servicer’s compliance with this Origination Agreement.

 

(vi) [*****].

 

(vii) Lender Review of
Marketing Materials.

 

(A) Servicer agrees to make
the Marketing Materials available to Lender, upon Lender’s reasonable request, for Lender’s review; further, Servicer
agrees that Lender may require Servicer to revise any Marketing Materials that Lender reasonably believes are inappropriate or
otherwise unacceptable or inconsistent with Lender’s business plan or operation. Lender may disclose and publicize its involvement
with Servicer and, to the extent permitted by the Program Sponsor(s), the Program Sponsor(s). Where the names of other lenders
generally are being utilized, Lender shall have the right to have its name used in connection with Marketing Materials delivered
to Program Sponsors, so long as such publicity and marketing is not, in the reasonable opinion of the Servicer, inappropriate or
otherwise unacceptable or inconsistent with the Servicer’s business plan. Further, and in addition to the foregoing, Lender
shall retain full control over the use of Lender’s Marks (as defined below) and, in this connection, the Servicer shall not
use any Mark without the prior written consent of the Lender, except that Servicer may use Lender’s name in connection with
Loan collection activities to the extent set forth in Schedule C to the Servicing Agreement. The Servicer and Lender agree
that “in-store” marketing of the GreenSky loan program available to customers of a given Program Sponsor shall not
include the name or trademarks of the Lender. However, the Servicer shall afford the Lender the opportunity (but not the obligation)
to have its name and marks included in any Marketing Materials in which other lenders are identified.

 

(B) If Servicer will be
using any Synovus name, tradename, trademark, logo, slogan, domain name, URL or service mark (collectively, “Marks”):

 

Lender hereby grants to
Servicer a limited, non-exclusive, fully paid-up and royalty-free license under Lender’s rights in the Marks to use in connection
with the Program Agreements and the transactions contemplated thereby. Servicer shall use the Marks in a manner so as to uphold
the high quality standards presently associated with the Marks and as directed by Lender in writing. In no event may Servicer combine
any of Lender’s Marks without the written consent of Lender. Servicer agrees that: (a) it has no legal or equitable
rights to the Mark other than as expressly set forth herein; (b) its sole right to use the Marks is in connection with this
Agreement, the Servicing Agreement and the transactions contemplated thereby; and (c) it must cease all use of the Marks upon
any termination of either this Agreement and/or the Servicing Agreement except to the extent that Servicer continues to service
Loans under the Servicing Agreement and is required by law or customary servicing practices to use the Synovus name or tradename
in connection with customary

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servicing practices. Servicer acknowledges that all goodwill arising out of its use of the Marks will
inure to the sole benefit of Lender.

 

(C) Without limiting the
generality of the foregoing, Servicer shall not grant permission to any website used to advertise or service the Loans and that
uses a Mark to be linked or linked from any other website without the prior written approval of Lender or pursuant to a mutually
agreed upon approval process for granting such website linkage. In the event that Servicer has knowledge of such prohibited linkage,
Servicer shall use commercially reasonable efforts to, as soon as practicable, remove, or cause to be removed, such link. Without
limiting the generality of the foregoing, Servicer shall take all reasonable steps as may be necessary to ensure that its Internet
advertising shall be displayed only on websites containing material that is not of a prurient, hateful, illegal, discriminatory
or offensive nature.

 

(viii) [*****].

 

(ix) Compliance Conditions.
Servicer agrees to comply with the compliance conditions set forth in Schedule A.

 

(x) Covenants of Lender.
In the event Servicer has a reasonable basis to believe that the ability of Lender to comply with its obligations under this Agreement
is impaired, Lender will provide Servicer, at the request of Servicer, such information as Servicer may reasonably request to enable
Servicer to determine whether the Lender has the continued ability to fund Loans in accordance this Agreement; provided, however,
that in any event, the Lender shall not be obligated to deliver any such information constituting material non-public information
or deliver any information to the extent the delivery thereof could compromise any attorney-client privilege or that would cause
undue expense or burden for the Lender to prepare or obtain.

 

Section 5.02 Regulatory
Inspections. 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 with jurisdiction over the other Party.

 

ARTICLE VI

 

TERM, TERMINATION AND PURCHASE

 

Section 6.01 Term.
This Origination Agreement shall commence as of the Effective Date and shall continue until the earlier of (a) July 31, 2018,
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;
or (b) the termination of the Servicing Agreement (such period of time, the “Term”).

 

Section 6.02 Failure
to Perform. Each of the following shall constitute a “Performance Termination Event”: (i) Servicer fails to
satisfy the Compliance Conditions; and/or (ii) Servicer is

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in Default under this Origination Agreement; and/or (iii) a Servicer
Default (as defined in the Servicing Agreement) has occurred and is continuing under the Servicing Agreement and/or (iv) the
Servicer makes any material misrepresentations hereunder and/or (v) if the average Performance Threshold for any rolling three-month
period is greater than [*****].00%. If (x) a Performance Termination Event described in clauses (i), (ii) and/or (iv) occurs
and such Performance Termination Event is not cured to the reasonable satisfaction of the Lender within ninety (90) days after
Servicer receives notice of such Performance Termination Event, or (y) in the event a Performance Termination Event described
in clause (iii) or clause (v) occurs, this Origination Agreement may, at the Lender’s sole option, upon thirty (30)
days’ notice (which may run concurrently with the applicable cure period, if any), be terminated, although Lender shall continue
to be obligated to (i) originate 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 until such time as all such Loans have been originated
and (ii) pay Servicer the Performance Fee and Servicing Fee, less any commercially reasonable fees of the Successor Servicer
in accordance with Section 4.02 of the Servicing Agreement (which Successor Servicer may be the Lender itself, in which case
an amount equal to what would be considered commercially reasonable servicing fees will be deducted from the Performance Fee and
Servicing Fee paid to Servicer) with respect to Loans originated under this Origination Agreement prior to the termination hereof
until such Loans have been repaid (provided Servicer does not exercise its Optional Purchase right). In addition to its termination
rights, upon the occurrence of a Performance Termination Event, the Lender may (x) unilaterally amend or modify the Underwriting
Criteria, (y) require the Servicer to repurchase one or more Loans pursuant to Section 2.07 hereof if so required therein
and/or (z) may otherwise pursue any remedies at law or in equity under all applicable Laws. Notwithstanding the foregoing,
in the event that the Lender Servicing Representative (as defined in Schedule 8.4 hereof) obtains actual knowledge that a Performance
Termination Event has occurred and the Lender has not notified the Servicer that it elects to terminate this Origination Agreement
by reason of the occurrence of such Performance Termination Event (or that it intends to terminate this Origination Agreement if
such Performance Termination Event is not cured to the satisfaction of the Lender) within 90 days after the obtaining of such actual
knowledge, such Performance Termination Event (but not subsequent Performance Termination Events (even if similar)) shall be deemed
waived (unless the parties hereto, in writing or by conduct, have extended the applicable cure period (if any) for such Performance
Termination Event or such 90-day period).

 

Section 6.03 Audit/Oversight/Termination
for Non-compliance. Servicer agrees to make available its facilities, personnel and records when reasonably requested by Lender
(or at any time requested by Lender’s regulators or examiners) at a time to be reasonably agreed to by Servicer, Lender or
Lender’s auditors or examiners as appropriate, to enable Lender or its auditors, regulators and examiners to audit Servicer’s
internal audit and compliance procedures with respect to Servicer’s: (i) accounting, (ii) information technology
and data systems, (iii) data security, (iv) insurance, (v) overall operations, processes and procedures, (vi) loan
origination and loan servicing and collection areas, policies and procedures, (vii) compliance with its confidentiality obligations,
(viii) use of subservicers and other subcontractors and the monitoring thereof, (ix) new or revised policies, processes,
information technology and management of information systems of

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the Servicer, (x) reputational and conflict-of-interest issues,
if any, (xi) Servicer’s process for adjusting to its policies, procedures, and controls in response to changing threats,
vulnerabilities, and material breaches or incidents, (xii) compliance with legal and regulatory requirements of all applicable
Laws and Consumer Lending Laws and changes and developments with respect thereto and Servicer’s positions regarding regulatory
compliance which shall include: (a) providing copies of any related reports or materials, (b) policies and procedures specific
to regulatory, compliance, and operational processes set forth in this Origination Agreement, (c) training materials (e.g. web-based,
quick reference, FAQs, syllabuses, calendars, course assignments, training frequency, etc.) related to specific Laws and Consumer
Lending Laws including without limitation training of new hires, ongoing training, training of contractors and third-parties, and
(d) reporting of customer complaints and sufficient detail of each complaint, (xiii) financial condition, and (xiv) the
volume, nature, and trends of any complaints by consumers that indicate Servicer might have compliance or risk management issues
and the ability to remediate those issues. Such audits may be remote or on-site. Once each calendar quarter (or more frequently
if Servicer is in Default or a Performance Termination Event has previously occurred and is continuing or as requested by Lender’s
regulators or examiners), at a time to be reasonably agreed to by Servicer and Lender, Lender or its auditors, regulators and examiners
shall be entitled to conduct such audits. The Parties will reasonably determine the extent and methodology of the testing or the
nature of such audit, subject to the approval of Lender, such approval not to be unreasonably withheld. Further, Servicer shall
conduct such self-testing and monitoring, and arrange for such internal audits, as necessary and appropriate to ensure compliance
with all requirements of this Agreement and the Servicing Agreement and the development and establishment of contingency planning
and obligations applicable to Servicer’s personnel and contractors and Laws (including Consumer Lending Laws). Servicer agrees
to correct any material deficiencies noted during these audits (as reasonably determined by Lender) within thirty (30) days of
such notice (or within ninety (90) days in the event that Servicer promptly undertakes and continues to actively pursue corrective
action within 30 days). Should Servicer not correct any such material deficiencies within such time period (“Noncompliance
Event”), Lender is permitted to terminate this Origination Agreement upon ten (10) days’ notice and otherwise exercise
remedies as if the Noncompliance Event constituted a Performance Termination Event. If an audit by Lender or any of its auditors,
regulators, or examiners, or audit provided to Lender by Servicer reveals any issues or concerns regarding security, systems, confidentiality
or compliance with applicable Law (including Consumer Lending Law), or if Lender becomes aware of any issues or concerns regarding
security, systems, confidentiality or compliance with applicable Law (including Consumer Lending Law) with respect to any other
lender of Servicer, Lender may conduct additional audits and testing as reasonably necessary until such issues or concerns are
resolved to Lender’s reasonable satisfaction. Upon Lender’s reasonable request, Servicer shall assist and cooperate with
Lender, in conducting and/or responding to any audit or audit request, including assisting in Lender’s attempts to obtain certifications
or other confirmations, including industry, professional, regulatory or other standards, regulatory or self-regulatory organizations
and standard-setting bodies. Lender’s failure to exercise its right to audit Servicer pursuant to this Section shall not
act as a waiver of any of this rights or remedies under this Origination Agreement. Notwithstanding the foregoing, Lender shall
continue to be obligated to (i) originate all unfunded Loans that conform to the Credit Policy that have been approved as of the
day prior to the termination date set forth in the notice of the

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Noncompliance Event until such time as all such Loans have been
originated and (ii) pay Servicer the Performance Fee and Servicing Fee (less (x) any commercially reasonable fees of the Successor
Servicer in accordance with Section 4.02 of the Servicing Agreement (which Successors Servicer may be the Lender itself, in
which case an amount equal to what would be considered commercially reasonable servicing fees will be deducted from the Performance
Fee and Servicing Fee paid to Servicer) plus (y) any Lender Damages (as defined in the Servicing Agreement)) with respect
to Loans originated under the Origination Agreement prior to the termination hereof until such Loans have been repaid (provided
Servicer does not exercise its Optional Purchase right).

 

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 the date of any such Dissolution Event, to terminate this Origination Agreement and/or appoint a Successor Servicer
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
(i) originate 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 originated and (ii) pay Servicer the Performance
Fee and Servicing Fee, less any commercially reasonable fees of the Successor Servicer in accordance with Section 4.02 of the Servicing
Agreement (which Successors Servicer may be the Lender itself, in which case an amount equal to what would be considered commercially
reasonable servicing fees will be deducted from the Performance Fee and Servicing Fee paid to Servicer) with respect to Loans originated
under the Origination Agreement prior to the termination hereof until such Loans have been repaid (provided Servicer does not exercise
its Optional Purchase right).

 

Section 6.05 Regulatory
Termination Event. Lender may terminate this Origination Agreement with respect to any Program Agreement upon sixty (60) days
prior written notice to Servicer (or less if required by the applicable Governmental Authority) if Lender receives written notification
from a Governmental Authority indicating that such Program Agreement breaches, violates, contravenes or conflicts with any Law,
Order, or Permit in any material respect (a “Regulatory Termination Event”), subject to the right of Servicer
to cure such breach, violation, contravention or conflict within such sixty (60) days if such cure period is permitted by such
Governmental Authority. In the event of a termination, Lender shall continue to be obligated to (i) originate all unfunded Loans
that conform to the Credit Policy that have been previously

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approved as of the day prior to the termination date set forth in the
notice of the Regulatory Termination Event until such time as all such Loans have been originated and (ii) pay Servicer the Performance
Fee and Servicing Fee, less any commercially reasonable fees of the Successor Servicer in accordance with Section 4.02 of the Servicing
Agreement (which Successor Servicer may be the Lender itself, in which case an amount equal to what would be considered commercially
reasonable servicing fees will be deducted from the Performance Fee and Servicing Fee paid to Servicer) with respect to Loans originated
under this Origination Agreement prior to the termination hereof until such Loans have been repaid (provided Servicer does not
exercise its Optional Purchase right). Notwithstanding any provision hereof in the Servicing Agreement, the Lender shall not be
liable for any general, direct, indirect, special, consequential or other damages of any kind or nature incurred or sustained by
the Servicer or otherwise arising out of the termination of this Agreement of the Servicing Agreement by reason of the termination
of this Agreement pursuant to this Section 6.05.

 

Section 6.06 Optional
Purchase. If at any time this Origination Agreement expires or is terminated by Lender for any reason, Servicer may purchase
all of the Loans from Lender, free and clear of all Liens imposed by Lender, for an amount equal to [*****] (the “Optional
Purchase”). Servicer may exercise the Optional Purchase at any time ninety (90) days after the date of the applicable
Performance Termination Event or other applicable event by delivery of the purchase price to Lender, otherwise, such Optional Purchase
right shall expire as of the ninetieth day after the date of such triggering event. 

 

ARTICLE VII

 

MISCELLANEOUS PROVISIONS

 

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

 

Section 7.02 Governing
Law. THIS 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, 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,
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 Trade Credit, LLC	 
	 	1797 N.E. Expressway	 
	 	Atlanta, Georgia 30329
	 	Attention: President

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

 

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 such Party.

 

Section 7.04 Severability
of Provisions. If any one or more of the covenants, agreements, provisions or terms of this 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 Origination Agreement and shall in no way affect the validity or
enforceability of the other provisions of this Origination Agreement.

 

Section 7.05 Assignment.
This Origination Agreement is binding upon the Parties and their successors and assigns. Neither Party may assign this Origination
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. 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 Origination
Agreement and the Servicing Agreement and Servicer may assign its interest 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 Servicing Agreement in a manner reasonably satisfactory to the Lender.

    	24

    	 

    

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 7.06 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 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 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 Origination Agreement will inure to the benefit of and are binding upon the Parties hereto
and their respective successors and permitted assigns. There are no intended third-party beneficiaries of this Origination Agreement.

 

Section 7.10 Merger and Integration.
Except as specifically stated otherwise herein, this Origination Agreement, including all schedules and exhibits hereto, and the
Origination Papers, 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 Origination Agreement and the Origination Papers. This Origination Agreement may not be
modified, amended, waived or supplemented except as provided herein.

 

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

    	25

    	 

    

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 7.13. 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 SERVICING 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 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 7.13 and has voluntarily entered into this Loan Origination Agreement and this Section 7.13.

    	26

    	 

    

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 VIII

 

SUPPLEMENTAL PROVISIONS

 

The covenants and obligations
of the Parties set forth in the following Schedules are hereby incorporated by reference herein (in addition to other incorporations
by reference set forth herein):

 

Schedule 8.1 – Confidentiality
and Security

 

Schedule 8.2 Business
Continuity

 

Schedule 8.3 – Servicer’s
Personnel

 

Schedule 8.4 – Compliance
and Legal Action

 

Schedule 8.5 – Regulatory
Examinations

 

Schedule 8.6 – Notification
of Significant Changes

    	27

    	 

    

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 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
	 	 	 
	 	SYNOVUS BANK
	 	 	 
	 	By:	/s/ Christopher Pyle
	 	Name:	Christopher Pyle
	 	Title:	Group Executive

    	28

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