"GreenSky Trade Credit"
MasterCard Application

This is an application for a revolving business trade line of credit and/or a credit card account that offers the option of paying some or all of the outstanding balance each month, subject to a minimum monthly payment. Balances are subject to finance charges. The Authorizing Officer will be jointly and severally liable with the Company and will personally guarantee payment of all amounts owed on the account. The account may be used only for business purposes. To apply, read the Important Information before you accept and Key Credit Terms listed below.  If you agree to the terms, click “I Agree” and click “Next>” to complete your application.

Initial Disclosure Statement

As used in this Application, the terms "we," "us," and "our" refer to GreenSky Trade Credit, LLC. and its assigns; the "Company" refers to the company identified in the Application; "you" and "your" refer to both the Company and the Authorizing Signatory who submits the Application. By submitting the Application, you request that we establish a GreenSky Trade Line of Credit ("Account") and issue a MasterCard Corporate Credit Card ("Corporate Card") to you. The Account, and your use of the Corporate Card, will be governed by the Customer agreement (the "Customer Agreement") you will receive upon Account approval. The Customer Agreement states that it will be governed by Georgia and applicable federal law. You represent and warrant that this Application and the Customer Agreement are and will be legal, valid and binding obligations of each of you and that you are and have been duly authorized to, execute and deliver the Application. You further represent and warrant that all information provided in the Application and at any other time in connection with the Application or the Account are true and correct and acknowledge that we will rely on this information in connection with the establishment and maintenance of the Account. The Company, the Authorizing Signatory, and principal owners may each be required to consent to our investigation of their credit history, and authorizes us to obtain a credit bureau report in connection with our review of this Application, and to obtain updated credit bureau reports on the Company and personal credit reports on the Authorizing Signatory and principal owners from time to time. You may also be required to authorize us to release information to, and respond to inquiries from, others (including, without limitation, credit bureaus, our parent company, our affiliates, merchants and other financial institutions) regarding the existence, status, use and history of the Account. The Company specifically authorizes us to rely and act on the instructions of the Authorizing Signatory and any program manager designated by the Company, and the Company confirms that actions taken by the Authorizing Signatory or any program manager will be binding on the Company.
NOTICE TO AUTHORIZING SIGNATORY: The Authorizing Signatory's submission of the Application means that the Authorizing Signatory and the Company may be jointly and severally liable for repayment of the Account and that the Authorizing Signatory may be required to personally guaranty the Company's performance under the Credit Agreement.  If the Authorizing Signatory is a resident of New York, we will inform him or her, upon request, whether or not a consumer report was requested, and if so, the name and address of the consumer reporting agency that furnished the report. You understand and agree that because our products are business products, all information relating to you and/or the Account, (including, without limitation, account and application information, purchase and payment activity, and balance and status information) may be shared with the Company, and with any designated program manager(s) for the Company. You should have no expectation that this information will remain private from the Company.
ACCOUNT FOR BUSINESS OR COMMERCIAL PURPOSES ONLY: The Account will be opened in the name of the Company. The Account is established only for the purpose of purchasing goods and/or services to be used for business or commercial purposes on behalf of the Company. The Company and the Authorizing Signatory agree not to use or permit anyone to use the Account to purchase goods and/or services for personal, family or household purposes. In this regard, the Company and the Authorizing Signatory understand that their agreement not to use the Account for personal, family or household purposes means that important duties imposed upon us in certain consumer transactions, and important rights conferred upon a consumer pursuant to applicable federal and state laws, will not apply to the Account. You also understand that we will be unable to determine whether any given purchase conforms to this commercial use restriction, and you agree that a breach of this restriction will not affect our right to enforce your promise to pay for the credit extended on the Account, including related charges, or to use any legal remedy available to us even if that remedy would not have been available had the Account been established as a consumer credit account.

The Key Credit Terms as of October 1, 2008

* The Prime rate is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on the twenty-fifth (25) business day of the calendar month immediately proceeding the first day of such billing period.

** Default APR will apply if you fail to make your required minimum payment by the due date two or more times (which need not be consecutive) in any six month period. Once your Account is subject to the Default APR, if you pay all past due amounts and any fees, and you pay your minimum monthly payment on time for six consecutive months, the Cure APR will apply to your Account beginning the first day of the next billing period.
The information about the costs of the Account described above is accurate as of October 1, 2008. This information may have changed after that date. To find out what may have changed, write us at 1797 Northeast Expressway, Suite 100 Atlanta, GA 30329.

All terms, rates and conditions subject to change.

Accounts are owned and credit is extended by GreenSky Trade Credit, LLC. © 2008 GreenSky Trade Credit, LLC.


ELECTRONIC CONSENT

1. Categories of Communications: You understand and agree that GreenSky Trade Credit, LLC., the issuer of the "GreenSky Trade Credit" MasterCard, our assignees, or other holders of your "GreenSky Trade Credit" MasterCard account ("we" or "us") may provide to you by electronic means the following categories of information with respect to applying for and obtaining a "GreenSky Trade Credit" MasterCard account ("Account"), which may include disclosures required by applicable federal or state law (collectively, "Communications"):

• The "GreenSky Trade Credit" MasterCard Agreement ("Agreement")
• Other federal and state law disclosures, notices and communications in connection with the application for an Account or opening an Account.

2. Manner of Consent. You acknowledge that by agreeing to the Consent to Electronic Communications through this website, you demonstrate that you can access information that we would provide to you by posting electronic Communications on our website.
3. How to Withdraw Consent. You may withdraw your consent to receive electronic Communications by not submitting your online application. However, you may not apply online unless you consent to receive electronic Communications.
4. Hardware and Software Requirements. In order to access and retain Communications, you must have:

• An Internet Browser that supports HTML 4.0 and SSL-encryption, such as Netscape 4.0 or later and Microsoft Internet Explorer 4.0 or later.
• A means to print or store notices and information through your browser software.
• A personal computer or equivalent device capable of connecting to the Internet via dial-up, DSL, Cable Modem, Wireless Access Protocol, or equivalent, and that supports the foregoing requirements.

5. Paper Copies of Communications. Upon your request, we will send you a paper copy of the Agreement and/or other material provided pursuant to the Consent to Electronic Communications. If you would like a paper copy of any of this material, please write to us at 1797 Northeast Expressway, Suite 100 Atlanta, GA 30329 or call us at 1-404-832-4100. There will be no charge for a paper copy of this material.

6. Communications in Writing. All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download a copy of this Consent to Electronic Communications and the Agreement, your application and any other communication that is important to you for your records.

7. Electronic Signatures. You acknowledge that by clicking on the "I Agree" or similar button at the "GreenSky Trade Credit" MasterCard application, you are indicating your intent to sign the relevant document or record and that this shall constitute your signature.

8. Interpretation. You acknowledge and agree that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
By choosing “I Agree” and submitting this Application, the Authorizing Officer represents and agrees, personally and on behalf of the Company, as follows: (1) The information given in this Application is complete and accurate. (2) GreenSky Trade Credit, LLC is authorized to check with credit reporting agencies, credit references and other sources (with respect to both the Company and the Authorizing Officer) in investigating the information given. (3) The Authorizing Officer is an authorized representative of the Company with authority to enter into borrowing agreements and to obligate the Company to repay indebtedness. (4) The Authorizing Officer personally guarantees the Company's performance on the Account. Additionally, the Company and the Authorizing Officer agree to the important information provided with this Application, which is hereby incorporated by reference, and each agrees to be bound by the credit agreement governing the Account (the "Credit Agreement"), which will be sent to the Company upon approval. Federal law requires us to obtain, verify and record information that identifies you when you open an account. We will use your name, address, date of birth, social security number and other information for this purpose.

By choosing "I Agree", to the question “Do you agree to these terms?” you accept the above Consent to Electronic Communications.