Okinus Corporate Guide 2018 Furniture, Appliances, and Electronics

2

Okinus has been delivering satisfaction to our employees, retailers and customers for over a decade. We have done so by knowing and understanding their needs. We have always recognized that satisfied employees and satisfied retailers create satisfied customers. Our focus is on providing our customers; the credit-challenged consumers, with the best lease-purchase financing solutions.

At Okinus, our ambition is to provide qualified credit-challenged consumers with an exceptional lease-purchase experience: an easy application, technology of their choice, clear and secure payment methods, customer service with a smile, and fast delivery.

We are focused on what we know we can do well, which is provide lease-purchase financing of quality merchandise at an affordable price. We began in 2004 by financing furniture. Today, we finance furniture, appliances, electronics, HVAC/Water Heaters and more.

We have a relentless attention to execution; continually striving to streamline and improve our processes. Our capabilities are not just about delivering quality merchandise at an affordable price. They are also about delivering exceptional customer service; our employees are always ready to help customers find what they need when they need it most. Okinus has been inspired by the needs of our customers and retailers. This inspiration has led to our commitment to invest in the best people, processes, and technologies to deliver satisfaction.

Gary Allen

PRESIDENT

3

The Retailer 3 Step Process 1 | Apply

Offered In

Click “New Lease Application” Complete application and confirm applicant’s identity After approval, click “Go Shopping” (and have the customer pick out their merchandise) or click “Create Lease Now” (if the customer already selected their merchandise)

2 | Create Lease Agreement

States

Click “Lease” next to applicant’s name Select “Input Lease and Sign Contract” Input items to be purchased Click “Calculate Contract” Click “E-sign” and have the customer digitally sign the lease agreement. Don’t forget to APPROVE the contract (the retailer, applicant, and Okinus will receive an email copy of the contract)

3 | Select "Fund" to Confirm Delivery Customer is sent an email and text message confirming delivery Fast, electronic funding

4

Okinus States of Operation

5

Why a Lease-Purchase Option Works There are over 60 million individuals in the U.S. with a credit score of 650 or less (“the credit-challenged consumer�) who do not qualify for traditional financing. Many of these individuals visit your store regularly but do not make a purchase because they cannot afford the cash price. They shop at a retailer that accommodates their current credit situation by providing them with alternatives to traditional financing such as Okinus’ lease-purchase program.

What is unique about Okinus' lease-purchase program?

6

Higher approval amounts with lower income requirements Multiple lease payment options Leasing terms up to 24 months with more affordable payments Social media and digital guidance Website content and SEO recommendations Marketing collateral Email marketing campaigns

7

at $1,200+ each month

least 18

60+ days Consumer Requirements

ATLANTA 1148 Satellite Blvd #203, Suwanee, GA 30024 PELHAM 147 West Railroad St S, Pelham, GA 31779 800.472.1334 | www.okinus.com |