New 8- Month Term Lease

1. New 8- Month Term Lease April 8, 2014

2. Introducing New 8-Month Term for SmartPay • SmartPay customers will now be offered an 8 –Month Term with a 60 day same-as-cash offer on lease-to-own payment plans approved between $450 and $700. • We have introduced this new 8-Month Term as another way your store(s) can get higher approval amounts and increased sales. • All other features of the product remain the same. Confidential & Proprietary

3. Payment Plan Comparisons Confidential & Proprietary * Approval amounts are in $50 increments

4. SmartPay Application Process (cont.)Screen shows the amount and payment plan the customer is approved for e.g. 6-Month Term (between $100 and$450). Here is where you see the term offered Only one offer page will appear for each customer Confidential & Proprietary

5. SmartPay Application Process (cont.)Screen shows the amount and payment plan the customer is approved for e.g. 8-Month Term (between $450 and $700). Here is where you see the term offered Only one offer page will appear for each customer Confidential & Proprietary

6. SmartPay Application Process (cont.)Screen shows the amount and payment plan the customer is approved for e.g. 10-Month Term (between $700 and $1500). Here is where you see the term offered Only one offer page will appear for each customer Confidential & Proprietary

7. Useful Information & FAQs

8. Key Sales Messaging • SmartPayis a lease-to-own plan that allows customers to make monthly payments on merchandise instead of purchasing the merchandise outright. • Customers are approved for an amount of goods that can be purchased using this plan up to a maximum of $1500 - thoughnot everyone is approved for $1,500. • Customers approved for less than $450 (including taxes) get a 6-Month plan. This plan comes with a 30 days same as cash option, which means the customer pays no fees if they pay off their balance within 30 days. • Customers approved for more than $450 (including taxes) to $650 or less get a 8-Month plan. This plan comes with a 60 days same as cash option, which means the customer pays no fees if they pay off their balance within 60 days. • Customers approved for more than $650 (including taxes) get a 10-Month plan. This plan comes with a 90 days same as cash option, which means the customer pays no fees if they pay off their balance within 90 days. Confidential & Proprietary

9. FAQs • Can customers choose which payment plan they want? The payment plan length is automatically determined by the amount the customer gets approved for. Customers approved for $450 or less are only offered the 6-month plan.*Customers approved for more than $450 and up to $650 get the 8-month. While customers approved for more than $650 are offered the 10-month plan. • What can customers do to get the highest approval amount? Provide accurate information on their application. We can usually tell if customer information is not accurate and it decreases their likelihood of approval and decreases their approval amount if approved • What if a customer gets the 8-month plan, how dothey make their 60 days same as cash payment? The process for “30, 60 or 90 days same-as-cash” is the same: customers must log into their SmartPay account and make a special payment to payoff their balance early. The same as cash option is not automatic, so the customer must take action to exercise this option. *Not available in California Confidential & Proprietary

10. Thank you