TFS 09.19.2018 V2

1 All pricing plans are subject to change at any time.

2 Minimum financed amount - $2,000 ($2,500 minimum in North Carolina); For 12 Year Plans: Minimum = $7,500

3 10 year parts and 5 year labor warranty coverage ($500 cost) is included in the loan amount along with program setup and AIG administration. Labor coverage can be upgraded to 10 years for additional cost. Loan amount and contractor funding is based on selected monthly payment and can vary by contractor. See funding table or calculator provided.

4 No payments are required during the promotional period. Thereafter, substantially equal monthly payments are required for theremainder of the financing term (60 months) or until the unpaid balance of the amount financed is paid in full. Interest will accrue during the promotional period, but will be waived if the amount financed is paid in full prior to the expiration of the promotional period. APR for Special Financing Plans is 14.99%. CT, KY, MI, NE, PA applicants not eligible for special financing plans.

PRIME PROGRAM #1 (Available through Turns/Benji Integration)

Standard Programs

✓ Programs easy to understand and communicate.

✓ Only offer the specific programs you choose.

✓ All declined applicants offered an instant 2nd LookNote: 40% of applicants approved for 2nd Look financing.

See Turns Programs on 2nd Look page.

Win/Win for Everyone!!!!

Available in 39 States

4.99% + warranty (3)

All Inclusive Program

✓ Contractor can market a really low payment.

✓ Customer selects an affordable payment and receives

a new system install with 5 or 10 year full coverage.

✓ Contractor sets own margins based on funding amount

and what’s installed for each monthly payment.

✓ One stop equipment registration for both parts and

labor warranties.

Win/Win for Everyone!!!!

NEW HVAC SYSTEM

as low as

$69/Month

All Inclusive Program Dealer choice regarding equipment, accessories and services for each payment

Term: 120 Payments Dealer margin equals the funding amount less your total installed cost

Minimum Credit: 680 Dealer can offer packages for any of the monthly payments in the chart

APR: 9.99% Dealer can include annual maintenance or it can be sold separately5YR Labor Warranty Included

Dealer Cost: 4.99% + $500

No Prepayment Penalty

Monthly Payment (1.32%) Loan Dealer Funded** Dealer Creates Install Packages For Each Payment

*$29.00 $2,195 $1,585 *Tankless Water Heaters & Generators (Includes full coverage)

*$39.00 $2,952 $2,305 *Tankless Water Heaters & Generators (Includes full coverage)

*$49.00 $3,709 $3,024 *Tankless Water Heaters & Generators (Includes full coverage)

$59.00 $4,466 $3,743

$69.00 $5,223 $4,462 Advertise the lowest monthly payment you plan to offer!!$79.00 $5,980 $5,182

$89.00 $6,737 $5,901

$99.00 $7,494 $6,620

$109.00 $8,251 $7,339

$119.00 $9,008 $8,059

$129.00 $9,765 $8,778

$139.00 $10,523 $9,498

$149.00 $11,280 $10,217

$159.00 $12,037 $10,936

$169.00 $12,794 $11,656

$179.00 $13,551 $12,375

$189.00 $14,308 $13,094

$199.00 $15,065 $13,813

$209.00 $15,822 $14,532

$219.00 $16,579 $15,252

$229.00 $17,336 $15,971

$239.00 $18,093 $16,690

$249.00 $18,850 $17,409

$259.00 $19,607 $18,129

Note: Increase labor warranty from 5YRS to 10YRS for an additional $10 per month (dealer invoiced an additional $600 separately)

** Funded amount includes 5YR labor warranty plus all loan and admin costs. AIG requires annual system maintenance

to honor labor warranty. OEM provides parts warranty (10 YRS with equipment registration).

Residential HVAC, Emergency Generators and Any Type of Water Heater Install with Parts & Labor Coverage

Residential Replacement

HVAC Systems (Parts & Labor Coverage)

PLAN # TERM

ANNUAL

PERCENTAGE RATE

PAYMENT

FACTOR

MAX FINANCING

AMOUNT

PURCHASE DISCOUNT

RATE

1969 8-YR 9.99% 1.57% $50k 1.00% + Merchant Fee

1166 7-YR 7.99% 1.63% $50K 6.00% + Merchant Fee

3068 6-Month No Interest/No Payment 2.21% $30K 2.75% + Merchant Fee

3128 12-Month No Interest/No Payment 2.32% $30K 5.25% + Merchant Fee

4123 12-Month No Interest/1.5% Payment 1.50% $30K 3.25% + Merchant Fee

4188 18-Month No Interest/1.5% Payment 1.50% $30K 6.00% + Merchant Fee

RECOMMENDED FIXED PAYMENT PLANS

RECOMMENDED SPECIAL FINANCING PLANS (No Interest, No Payment) 3

Merchant Fee: Customer is immediately provided an account number that is used to pay the contractor. Contractor processes the

payment just like a credit cards. No certificate of completion or paperwork required for funding. Your standard card merchant fees

will apply (generally 2% to 3%). Fixed 2.25% if credit card payments are processed through Turns Financing merchant partners.

TURNS FINANCING SERVICESPRIME PROGRAM #2 (Turns/GreenSky Integration)Recommended minimum programs… Full program list on subsequent pages)

(3) For special financing plans interest accrues during the promotional period but all interest is waived.Payment factor for special financing applies to payments after the promotional period.

Fastest and easiest consumer financing… (Available 50 States)

Step 1: Apply for Credit - This fast, paperless application process can take less than 90 seconds.

Step 2: Get Approved - 90% of credit decisions are made instantly. Most other credit decisions are made within fifteen minutes.

Step 3: Get Funded - Merchant processes payment just like a credit card.

Note: All declined applicants offered an instant 2nd LookNote: 40% of applicants approved for 2nd Look financing.

See Turns Programs on 2nd Look page.

Great program for Contractors new to financing!

$400 Minimum

All Inclusive Program

✓ Contractor can market a really low payment.

✓ Customer selects an affordable payment and receives

a new system install with 5 or 10 year full coverage.

✓ Contractor sets own margins based on funding

amount and what’s installed for each monthly

payment.

✓ One stop equipment registration for both parts and

labor warranties.

Win/Win for Everyone!!!!

NEW HVAC SYSTEM

as low as

$69/Month

All Inclusive Program Dealer choice regarding equipment, accessories and services for each payment

Term: 120 Payments Dealer margin equals the funding amount less your total installed cost

Minimum Credit: 620 Dealer can offer packages for any of the monthly payments in the chart

APR: 9.99% Dealer can include annual maintenance or it can be sold separately5YR Labor Warranty Included

Dealer Cost: 7.5% + $500 (1)

No Prepayment Penalty

Monthly Payment (1.32%) Loan Dealer Funded** Dealer Creates Install Packages For Each Payment

*$29.00 $2,195 $1,530 *Tankless Water Heaters & Generators (Includes full coverage)

*$39.00 $2,952 $2,231 *Tankless Water Heaters & Generators (Includes full coverage)

*$49.00 $3,709 $2,931 *Tankless Water Heaters & Generators (Includes full coverage)

$59.00 $4,466 $3,631

$69.00 $5,223 $4,331 Advertise the lowest monthly payment you plan to offer!!$79.00 $5,980 $5,032

$89.00 $6,737 $5,732

$99.00 $7,494 $6,432

$109.00 $8,251 $7,132

$119.00 $9,008 $7,832

$129.00 $9,765 $8,533

$139.00 $10,523 $9,234

$149.00 $11,280 $9,934

$159.00 $12,037 $10,634

$169.00 $12,794 $11,335

$179.00 $13,551 $12,035

$189.00 $14,308 $12,735

$199.00 $15,065 $13,435

$209.00 $15,822 $14,135

$219.00 $16,579 $14,836

$229.00 $17,336 $15,536

$239.00 $18,093 $16,236

$249.00 $18,850 $16,936

$259.00 $19,607 $17,636

Note: Increase labor warranty from 5YRS to 10YRS for an additional $10 per month (dealer invoiced an additional $600 separately)

(1)Rate is for GreenSky card transaction processed through Turns merchant account services. Rate includes

5.25% loan cost plus fixed 2.25% card processing fee. Varies if using your own merchant account. $500 labor

warranty cost invoiced separately post funding.

** Funded amount includes 5YR labor warranty plus all loan and admin costs. Labor warranty provider, AIG, requires

annual system maintenance. OEM provides parts warranty (10 YRS with equipment registration).

Residential HVAC, Emergency Generators and Any Type of Water Heater Install with Parts & Labor Coverage

Residential Replacement

HVAC Systems (Parts & Labor Coverage)

Why 2nd Look Financing?

Say “YES” more often and increase financed sales up top 20%

… Potentially more with PACE (higher ticket, not credit dependent)

Integrated 2nd Look Behind Prime

• No need to re-enter the credit application if the customer is

declined. Simply select “Submit 2nd Look” and re-enter the social

security number to get an instant decision.

• Instantly approves 40% of declined prime applicants nationwide.

- 15% to 20% approved for Tier-0 ($20k)

- Equal approval split across remaining tiers

- Max two loans per household

(get two loans for a combined larger amount)

• Get Funded: Upload a copy of your customer signed invoice to

receive funding within two business days.

• Borrower does NOT need to be the homeowner. Combine with

any other financing or payment method.

• Great for repair financing:

Minimum loan $400

For Credit Scores down to 550 FICO

2nd Look & Repair Financing Programs

1. Customers have 120 days from application to complete purchases except where noted.

2. Customers have 180 days from application to complete purchases except where noted.

3. For deferred interest plans, interest accrues during the promotional period but all interest is waived if the purchase amount is paid in full before the end of the promotional period.

4. Applies to payments after promo and assumes lowest possible interest rate for plan. If two payment factors are displayed, the first is for payments required during the promo.

5. Payment card network processing fees may apply. Flat 2.25% when processed through Turns merchant partners.

6. Actual payments based on usage. If full credit taken on approval date, payments will be first amount. If transaction is later, the amortizing monthly payments could be as high as the second amount.

7. Split tickets are not permitted.

8. Split tickets are prohibited.

Notes: ACH Return Fee/ Late Fee will be assessed on all returned ACHs. ACH Return Fee/ Late Fee is the greater of $30 or 5% of the payment amount. Split tickets permitted except where noted.

TURNS GREENSKY PROGRAM #762