Allied Consumer Finance Program Powered By Presented By

Allied Consumer Finance Program Powered By: Presented By: Kevin Jurczyk Service Finance Company, LLC Director of Business Development

Consumer Finance Program Overview 1) Higher Overall Approvals, Larger Ticket Sizes 2) No Menu Restrictions (28 Individual Loan Programs) 3) Fast, Safe, Secure, Paperless Process (Borrower Portal) 4) Real-Time Loan Tracking (Dealer Portal) 5) Mobile App 6) Easy Enrollment Process

Finance Clients

Higher Approvals, Bigger Average Sale Proven Results Client HVAC Dealer Number of Locations 80+ Nationwide 2012: Previous Lender Average Sale $5, 600 Average Approval % 70% Average Funding % 65% 2013: Service Finance Average Sale $7, 700 Average Approval % 78% Average Funding % 87% Average sale has increased over $2, 100 with Service Finance

Service Finance Company Loan Programs

Allied Consumer Finance Program No Menu Restrictions 3 / 6 / 12 / 18 Month (NINP) No Interest / No Payments 6 / 12 / 18 / 24 Month (WPDI) With Payments, Deferred Interest 25 / 36 / 48 / 60 Month (EPNI) Equal Payments, No Interest 2. 99% 144 Month (. 82 PF) Payment Factor (Multiplier to Calculate Monthly Payment) 5. 99% 240 Month (. 71 PF) Payment Factor 6. 99% 60 Month (1. 98 PF) Payment Factor 6. 99% 120 Month (1. 16 PF) / 144 Month (1. 02 PF) / 180 Month (. 89 PF) Payment Factor 9. 99% 97 Month (1. 50 PF) or 85 Month (1. 65 PF) Payment Factor 12. 99% Installment Up to 84 Months Buy Deeper Programs – Down To 580 FICO 6 / 12 Month (WPDI) With Payments, Deferred Interest 16. 99% Installment Up To 72 Months

Market Intelligence • • HOW CONSUMERS PAY FOR HOME IMPROVEMENTS (National Average) 10% Pay with Cash or Check 20% Use Credit Card 70% Intend to Finance – 60% Qualify for Promotional Offers for the Full Amount Requested 40% of Finance Customers Need Special Financing – Low FICO – Open Collections – Past Bankruptcy – Past Tax Liens – High Delinquencies – No Equity Attract Special Finance Prospects with TARGETED Advertising

Buy Deeper - Cash Flow Sensitive With Payment, Deferred Interest (580 Min. FICO Score) Promotional Period 6 and 12 Months Default Interest Rate 17. 99 – 24. 99% (State Specific) Term Up to 72 Months Payment Factor 2. 28 – 2. 93% Max Loan Amount $7, 500 Prepayment Penalty No Target Audience Cash Buyer/Challenged Credit Other Unsecured Example Loan Amount Payment Factor Monthly Payment $7, 500 2. 93% (60 Months/24. 99%) $201. 75

Buy Deeper - Payment Buyer 16. 99% Installment (580 Min. FICO Score) Interest Rate 16. 99% Term Up to 72 Months Payment Factor 2. 22% (72 Months) Max Loan Amount $7, 500 Prepayment Penalty No Target Audience Payment Buyer/ Challenged Credit Other Unsecured Example Loan Amount Payment Factor Monthly Payment $7, 500 2. 22% (72 Months) $166. 50

Rental/Investment Properties Special Program Highlights Past Bankruptcy Mobile Homes Co-Signers (Do Not Have to Own the Home) No Proof Of Income Required For Loans < $15, 000 For Loans > $15, 000 - Only One Recent Paystub* *Within The Last 30 Days

Service Finance Company Approval Process

Simple Application Process Step 1 Submit Credit Application Tablet/Smartphone (Mobile App) Consumer Credit Center 866 -393 -0033 M-F 8 am – 12 am (EST) Sat 9 am – 11 pm (EST) 24 Hour Emergency Line Available Step 2 Customer Signs Electronic Documents www. svcfin. com EZ Sign Loan Docs are Posted Upon Loan Approval Step 3 Email a Copy of Your Work Order Include current Paystub if the loan exceeds $15, 000 stips@svcfin. com Take a Photo With Your Phone Email From the House

Service Finance Company Online Borrower Portal

WWW. SVCFIN. COM

EZ Sign Your Loan Documents OR Make a Payment

1187689 1234 01/01/1960 95981

Service Finance Company Dealer Payment / Online Dealer Portal

Online Dealer Portal Real-Time Loan Tracking When The Work Is Complete Click “Dealer Payment Authorization” And The Funds Are Released Via ACH.

Service Finance Company Mobile Application

Mobile App- Coming in 2015 Multiple Options To Submit Credit Applications: • Scan Driver’s License • Search By Phone Number • Call Consumer Credit Center • Enter Application Manually

Mobile App- Coming in 2015 Once the loan is approved, EZ the documents on a mobile device. Executed loan documents are emailed to the customer for their records.

Service Finance Company Dealer Enrollment

Dealer Enrollment- Available via contractor. biz portals Start Dealer Info Owner Info Payment Info Enroll via Online January 1, 2015 Begin Trade Info Review

Dealer Enrollment- Available via contractor. biz portals Dealer Info Start Owner Info Dealer Information Full Legal Name, Entity DBA Name (If Applicable) Business Address City State Zip Contact Person Contact Phone Contact Email Business Phone FEIN Business Fax Dealer Labor Warranty Back 90 Days Next Payment Info Trade Info Review

Dealer Enrollment- Available via contractor. biz portals Start Dealer Info Ownership Information Owner Info Payment Info Trade Info Review 1 st Owner/Officer Details Full Name Title Home Address City State Zip 2 nd Owner/Officer Details Full Name Title Home Address City State Zip One of the owners is an authorized signer on the business banking account Back Next

Dealer Enrollment- Available via contractor. biz portals Start Dealer Info Owner Info Payment Information Bank Info Review Business Bank Name Routing Number Email Address for Funding Notifications: Back Trade Info Next Account Number Email Address

Dealer Enrollment- Available via contractor. biz portals Dealer Info Start Owner Info 1 st Trade Reference (Required) Payment Info Trade Info Review 2 nd Trade Reference (Required) Company Account Number Contact Phone Address City State Address Zip City State Zip Lennox Account number Contact Back Next

Dealer Enrollment- Available via contractor. biz portals Start Dealer Info Owner Info View Prepared Agreement Back Next Payment Info Trade Info Review

Dealer Enrollment- Available via contractor. biz portals Start Dealer Info Owner Info Electronic Signature Name of Authorized Signer Back Title Finish Payment Info Trade Info Review

Dealer Enrollment- Available via contractor. biz portals Start Dealer Info Owner Info Payment Info Trade Info Thank you for enrolling Your enrollment package has been submitted and will be processed. You will be notified by email once the enrollment has been approved. View / Print Final Agreement Upload Financials Drag Here Review

New Sponsored Consumer Finance Program 1) Higher Margins (More Closed Deals) 2) No Menu Restrictions 3) Paperless Process 4) Easy To Enroll

Allied Air Consumer Finance Program Powered By: Chuck Upshur Kevin Jurczyk Service Finance Company, LLC Vice President of Business Development 410. 430. 2762 - cell Service Finance Company, LLC Director of Business Development 586. 549. 9337 - cell Mike Cheatham Service Finance Company, LLC Vice President of National Accounts 317. 432. 8561 - cell