GreenSky ^{Priced, Nasdaq: GSKY}

We are a leading technology company that powers commerce at the point of sale. Our platform facilitates merchant sales, while reducing the friction, and improving the economics, associated with a consumer making a purchase and a bank extending financing for that purchase. The home improvement market has historically represented substantially all of our transaction volume, and substantial opportunities exist in the elective healthcare market, which we entered in 2016. We have approximately 11,000 active merchants on our platform; since our 2006 inception, merchants used our platform to enable approximately 1.6 million consumers (primarily with super-prime or prime credit scores) to finance over $11 billion of transactions with our Bank Partners, primarily SunTrust Bank, Regions Bank, Fifth Third Bank and Synovus Bank (~90% of the loan commitments). Our platform enables banks to originate loans in all 50 states and at an average loan size of less than $10,000, creating an efficient mechanism to aggregate a granular, diversified national portfolio. We have a strong recurring revenue model built upon repeat and growing usage by merchants, who are charged upfront transaction fees when they facilitate a transaction using our platform. Our top ten merchants were 30% of 2017 revenue, including top merchant Home Depot (6%); in addition, affiliates of Renewal by Andersen, our largest sponsor, was 19%.