Okinus Corporate Guide 2018 HVAC

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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 HVAC/Water Heaters, furniture, appliances, electronics, 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

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HVAC/Water Heater 3 Step Process 1 | Provide Quote

Offered In

Provide the customer with a quote and Okinus Card.

2 | Apply By Phone or Web Tell the customer to call the number on the card or apply online through link provided. We handle the application and contract process. Once complete, we will notify you to install the equipment.

States

3 | Supply Photos Once the installation is complete, we need four photographs.

One of each of the following:

The inside air handler unit Model and serial number of air handler Outside evaporator unit Model and serial number of evaporator

Once we receive photos of the installed units, we provide fast, electronic funding.

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Okinus States of Operation

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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?

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Higher approval amounts with lower income requirements Multiple lease payment options Leasing terms up to 48 months with more affordable payments Social media and digital guidance Website content and SEO recommendations Marketing collateral Email marketing campaigns

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Do you own your home, are current on your mortgage and reside at the address where the property will be installed?

Have you been employed at your current job for at least 6 months?

Do you have a monthly income of $3,750 or greater?

Do you have an open checking account with a positive balance and no NSF's for the last 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 |