Document:

Exhibit

Exhibit 10.3

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

AMENDMENT NO. 3
TO SECOND AMENDED AND RESTATED SERVICING AGREEMENT 
This AMENDMENT NO. 3 TO SECOND AMENDED AND RESTATED SERVICING AGREEMENT (this “Amendment”), dated as of March 20, 2019 (the “Effective Date”), by and among GreenSky, LLC, a Georgia limited liability company (“Servicer”), GreenSky Servicing, LLC, a Georgia limited liability company (“GreenSky Servicing”), and SunTrust Bank, a Georgia banking corporation (“Lender”).

WITNESSETH:
WHEREAS, Servicer, GreenSky Servicing and Lender previously entered into that certain Second Amended and Restated Servicing Agreement (as amended, restated, supplemented or otherwise modified from time to time, the “LSA”), dated as of December 31, 2016;
WHEREAS, on or about the date hereof, Lender is entering into a purchase agreement to acquire a group of loans originated by a financial institution other than Lender through the GreenSky® Program and, in connection therewith, Lender and Servicer have agreed to treat such acquired loans as if they were initially originated under the Origination Agreement and serviced at all times under the Servicing Agreement except as otherwise set forth in the applicable purchase agreement and as otherwise set forth in this Amendment; and
WHEREAS, Servicer, GreenSky Servicing and Lender desire to amend the LSA to modify certain terms therein; and
WHEREAS, pursuant to Section 12.01 of the LSA, Servicer, GreenSky Servicing and Lender agree to amend the LSA pursuant to the terms and conditions set forth herein. 
NOW, THEREFORE, in consideration of the mutual agreements herein contained and other good and valuable consideration, receipt and sufficiency of which are hereby acknowledged by the parties hereto agree as follows:
Section 1.    Definitions.  Capitalized terms not otherwise defined herein shall have the meanings given to them in the LSA.
Section 2.    Amendments to the LSA.
		
	a.
	Section 1.01.    Definitions. Section 1.01 is hereby amended to add the following defined term:

“March 2019 Acquired Loans” means the “Loans” as defined in that certain Purchase and Sale Agreement between Lender, Servicer and [*****] dated as of March 20, 2019.

Exhibit 10.3

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

		
	b.
	Section 3.01(f)(i) is hereby amended by adding the following as a new subsection (C) thereof:   

(c)    [*****]
Section 4.    Conditions Precedent.  The effectiveness of this Amendment is subject to the receipt by the parties hereto of a fully executed counterpart of this Amendment from each party. 
Section 5.    Amendment.  The parties hereto hereby agree that the provisions and effectiveness of this Amendment shall apply to the LSA as of the date hereof.  Except as amended by this Amendment, the LSA remains unchanged and in full force and effect.  This Amendment shall constitute a transaction document.
Section 6.    Counterparts.  This Amendment may be executed by the parties in separate counterparts, each of which when so executed and delivered shall be an original, but all such counterparts shall together constitute but one and the same instrument. The delivery of an executed counterpart hereof by facsimile or .pdf shall constitute delivery of an executed counterpart hereof.
Section 7.    Captions.  The headings of the Sections of this Amendment are for convenience of reference only and shall not modify, define, expand or limit any of the terms or provisions of this Amendment.
Section 8.    Successors and Assigns.  The terms of this Amendment shall be binding upon, and shall inure to the benefit of the parties and their respective successors and permitted assigns.
Section 9.    Severability.  Any provision of this Amendment which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction.
SECTION 10.    GOVERNING LAW.  THIS AMENDMENT 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.
 

[Signatures appear on following page.]

IN WITNESS WHEREOF, Servicer, Lender and GreenSky Servicing have each caused this Amendment to be duly executed by their respective duly authorized officers as of the Effective Date first mentioned above.
GREENSKY, LLC

By:     /s/ Timothy D. Kaliban        
Name:    Timothy D. Kaliban            
Title:    President                
Date:    March 20, 2019            

GREENSKY SERVICING, LLC

By:     /s/ Timothy D. Kaliban        
Name:    Timothy D. Kaliban            
Title:    President                
Date:    March 20, 2019            

SUNTRUST BANK
By:     /s/ Ivo Vissenberg            
Name:    Ivo Vissenberg            
Title:    Managing Attorney            
Date:    March 20, 2019Exhibit

Exhibit 10.4

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

EIGHTH AMENDMENT TO SERVICING AGREEMENT

THIS EIGHTH AMENDMENT TO SERVICING AGREEMENT (this “Amendment”) is made as of March 22, 2019 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”).  Capitalized terms used herein and not otherwise defined herein shall have the meanings ascribed to such terms in the Servicing Agreement (as defined herein).
WITNESSETH:
WHEREAS, Lender and Servicer have previously entered into that certain Servicing Agreement dated as of August 4, 2015, as amended (the “Servicing Agreement”);
WHEREAS, on or about the date hereof, Lender is entering into one or more purchase agreements to acquire groups of loans originated by a financial institution other than Lender through the lending program administered by Servicer and, in connection therewith, Lender and Servicer have agreed to treat such acquired loans as if they were initially originated under the Origination Agreement and serviced at all times under the Servicing Agreement except as otherwise set forth in the applicable purchase agreement and as otherwise set forth in this Amendment; and
WHEREAS, Lender and Servicer desire to amend the Servicing Agreement as set forth herein; 
NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Lender and Servicer hereby agree as follows:
1.     Effective as of the Effective Date, the Servicing Agreement is hereby amended as follows:
a.    Section 1.01 of the Servicing Agreement is hereby amended by adding the following definition in alphabetical order:
““2019 Acquired Loans” shall mean (a) the “Loans” as defined in that certain Purchase and Sale Agreement between Lender, [*****] and Servicer dated as of March 22, 2019, and (b) the “Loans” as defined in that certain Purchase and Sale Agreement between Lender, [*****] and Servicer dated as of March 22, 2019.”
b.    Section 3.01(e) of the Servicing Agreement is hereby amended by deleting the first sentence thereof and inserting the following in lieu thereof: 
“[*****]”

c.    Section 3.0l(e)(iv) of the Servicing Agreement is hereby amended by deleting the definition of “[*****]” set forth therein and inserting the following in lieu thereof: 
“[*****].”

d.    The definition of “[*****]” in Section 3.02 of the Servicing Agreement is hereby amended by deleting the last sentence thereof and inserting the following in lieu thereof: 
“[*****].”
2.    Except as expressly amended hereby, the Servicing Agreement shall remain in full force and effect.

Exhibit 10.4

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

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

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

SERVICER:

GREENSKY, LLC

By:     /s/ Timothy D. Kaliban            
(Signature)

Name:    Timothy D. Kaliban            
(Print Name)

Title:    President                

    

LENDER:

SYNOVUS BANK

By:     /s/ Christopher Pyle            
(Signature)

Name:    Christopher Pyle            
(Print Name)

Title:    Group ExecutiveExhibit

Exhibit 10.5

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

AMENDMENT NO. 6 TO LOAN ORIGINATION AGREEMENT

THIS AMENDMENT NO. 6 TO LOAN ORIGINATION AGREEMENT (this “Amendment”) is made as of January 31, 2019 (the “Effective Date”) by and between GreenSky, LLC, a Georgia limited liability company (“Servicer”), and Fifth Third Bank, an Ohio-chartered, FDIC-insured bank (“Lender”).  Capitalized terms used herein and not otherwise defined herein shall have the meanings ascribed to such terms in the Loan Origination Agreement (as defined herein).
WITNESSETH:
WHEREAS, Lender and Servicer have previously entered into that certain Loan Origination Agreement dated as of August 25, 2016, as amended (collectively, the “Loan Origination Agreement”); 
WHEREAS, Lender and Servicer desire to further amend the Loan Origination Agreement as set forth herein; 
NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Lender and Servicer hereby agree as follows:
1.    Effective as of Effective Date, the Loan Origination Agreement is hereby amended as follows:
a.    Section 2.01(a) of the Loan Origination Agreement is hereby amended by adding the following sections at the end thereof: 
“(vi)      Servicer and Lender shall comply with all of the terms, conditions and provisions of Schedule A, Schedule A-1, and Schedule A-2, including, without limitation, those related to [*****], which are incorporated by reference herein and made a part hereof.
(vii)     [*****].”
b.    Section 2.03 of the Loan Origination Agreement is hereby deleted in its entirety and the following is inserted in lieu thereof:

“Section 2.03    Improper Loans. As Lender's non-exclusive remedy, Servicer shall immediately reimburse the Lender for any Loan found to be improperly (under the terms of this Loan Origination Agreement) or illegally (including for non-compliance with any Law) originated, including Loans that do not comply with Lender’s Underwriting Criteria (other than a failure to comply with [*****] for which the remedies are otherwise specified in this Agreement), by paying Lender an amount equal to the Outstanding Balance of such Loan (except to the extent that Lender previously has been paid for the receivable attendant to such Loan pursuant to the Servicing Agreement or otherwise).  In addition, [*****].  Lender shall remain the lender of record for, and continue to own any such Loan referred to in this Section 2.03, unless the Loan is assigned to another lender in the GreenSky® Program.”

Exhibit 10.5

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

c.    Schedule A to the Loan Origination Agreement is hereby amended by adding the following as a new section to the cover page of such schedule at the end thereof:
[***Approximately three pages redacted.***]

d.    Schedule A-1 to the Loan Origination Agreement is hereby amended by deleting the “[*****]” section thereof and substituting the following in lieu thereof: 
“[*****]
		
	A.
	[*****].” 

e.    Schedule A-1 to the Loan Origination Agreement is hereby amended by deleting the “[*****]” section thereof and substituting the following in lieu thereof: 
“[*****].”

f.    Schedule A-2 to the Loan Origination Agreement is hereby amended by deleting the “[*****]” section thereof. 
2.    Except as expressly amended hereby, the Loan Origination Agreement shall remain in full force and effect.
3.    This Amendment may be executed and delivered by Lender and Servicer in facsimile or PDF format and in any number of separate counterparts, all of which, when delivered, shall together constitute one and the same document.

[Signature page follows]

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

SERVICER:

GREENSKY, LLC

By:     /s/ Robert Partlow            
Name:    Robert Partlow
Title:    CFO

    

LENDER:

FIFTH THIRD BANK

By:     /s/ Richard Stein            
Name:    Richard Stein
Title:    EVP - Chief Credit Officer

By:     /s/ Ben Hoffman            
Name:    Ben Hoffman
Title:    SVP

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