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

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 Consumer Finance Program Overview

Finance Clients

Higher Approvals, Bigger Average Sale Average sale has increased over $2,100 with Service Finance Proven Results ClientHVAC Dealer Number of Locations80+ Nationwide Average Sale$5,600 Average Approval %70% Average Funding %65% Average Sale$7,700 Average Approval %78% Average Funding %87% 2012: Previous Lender 2013: Service Finance

Service Finance Company Loan Programs

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 (.82PF) Payment Factor (Multiplier to Calculate Monthly Payment) 5.99% 240 Month (.71PF) Payment Factor 6.99% 60 Month (1.98PF) Payment Factor 6.99% 120 Month (1.16PF) / 144 Month (1.02PF) / 180 Month (.89PF) Payment Factor 9.99% 97 Month (1.50PF) or 85 Month (1.65PF) 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 Allied Consumer Finance Program

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 Period6 and 12 Months Default Interest Rate17.99 – 24.99% (State Specific) TermUp to 72 Months Payment Factor2.28 – 2.93% Max Loan Amount$7,500 Prepayment PenaltyNo Target AudienceCash Buyer/Challenged Credit OtherUnsecured Example Loan AmountPayment FactorMonthly Payment $7, % (60 Months/24.99%) $201.75

Buy Deeper - Payment Buyer 16.99% Installment (580 Min. FICO Score) Interest Rate16.99% TermUp to 72 Months Payment Factor2.22% (72 Months) Max Loan Amount$7,500 Prepayment PenaltyNo Target AudiencePayment Buyer/ Challenged Credit OtherUnsecured Example Loan AmountPayment FactorMonthly Payment $7, % (72 Months) $166.50

Special Program Highlights Rental/Investment Properties 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 Submit Credit Application Step 1 Customer Signs Electronic Documents Step 2 Step 3 Consumer Credit Center M-F 8am – 12am (EST) Sat 9am – 11pm (EST) 24 Hour Emergency Line Available EZ Sign Loan Docs are Posted Upon Loan Approval a Copy of Your Work Order Include current Paystub if the loan exceeds $15,000 Take a Photo With Your Phone From the House Tablet/Smartphone (Mobile App)

Service Finance Company Online Borrower Portal

EZ Sign Your Loan Documents OR Make a Payment

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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 ed to the customer for their records.

Service Finance Company Dealer Enrollment

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

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

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

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

Start Dealer Info Owner Info Payment Info Trade Info Review 2 nd Trade Reference (Required) Next Back 1st Trade Reference (Required) Lennox Account number Contact CompanyAccount Number ContactPhone Address CityStateZip CompanyAccount Number ContactPhone Address CityStateZip Dealer Enrollment- Available via contractor.biz portals

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

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

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

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

Allied Air Consumer Finance Program Powered By: Chuck Upshur Service Finance Company, LLC Vice President of Business Development cell Kevin Jurczyk Service Finance Company, LLC Director of Business Development cell Mike Cheatham Service Finance Company, LLC Vice President of National Accounts cell