Benefits of Consumer Financing Program

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Benefits of Consumer Financing Program

DEALER/CONTRACTOR BENEFITS: Easy Application Process through the Comenity Business Center (CBC) Portal Generous Credit Limits to Help Increase Customer Buying Power Dealer/Contractor Customized Finance Program - Choose from up to 14 Financing Options Comprehensive Webinar Training and On-Going Dealer/Contractor Support Instant Application Processing

ACCOUNTHOLDER BENEFITS: Convenient No Interest Plans if paid in full within 6, 12,18 or 24 Months Affordable Equal Payments for 24, 36, 48 or 60 Months Easy & Secure Online Account Management Best in Class Customer Care

3 QUICK & EASY WAYS TO APPLY: Comenity Business Center (see page 6) Online: Account Center at kohlergenerators/ Smartphone: Text "Kohler" to 97788

Confidential - For Dealer/Contractor Use Only ?2015 ADS Alliance Data

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About Kohler Generators Consumer Financing:

? This revolving credit account is offered by Comenity Capital Bank to Kohler Generators Credit Account customers as a value-added service that can help you compete and close more sales. Comenity Capital Bank will handle all banking and Customer Care related to the consumer's credit account.

? Kohler Generator Dealer/Contractors apply to Comenity Capital Bank for approval into the program. Standard banking credit procedures will be applied and Kohler Generators will not have control over the approval process.

? Dealer/Contractors pay a fee to Comenity Capital Bank each time promotional financing is used by one of their homeowners. Merchant Discount Fees will be deducted from the payment the Dealer/Contractor receives from Comenity Capital Bank at job completion.

? In offering this credit account issued by Comenity Capital Bank, Kohler Generators' expectation is that financing will be used to purchase products from us whenever possible. Products we do not sell, such as concrete, can be included in the financing as well.

Confidential - For Dealer/Contractor Use Only ?2015 ADS Alliance Data

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Enrolling in the Kohler Generators Consumer Financing Program is as Easy as 1-2-3!

1Step

Submit completed Dealer/Contractor Enrollment forms to

KohlerApply@*

2 Complete mandatory training webinar on the financing

Step program. You will be contacted to schedule training after enrollment has been approved.

3Step

Receive a start-up marketing kit and Quick Reference

Guides to train company associates.

*After enrollment forms are submitted and approved , it takes approximately 15 business days for the Bank to set-up the Dealer/Contractor

Confidential - For Dealer/Contractor Use Only ?2015 ADS Alliance Data

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Dealer/Contractor Enrollment Process

Dealer/Contractor enrollment process takes up to 15 business days following submission

Dealer/Contractor Enrollment Agreement must be filled out entirely to ensure timely processing:

? Include Social Security Number ? Must be signed by the Dealer/Contractor/Owner or Officer ? Ensure accuracy of Bank Account & Routing Numbers

Alliance Data (ADS) is the exclusive consumer financing service provider for Kohler Generators Credit Account

Day 15

Dealer/Contractor Notification

Dealer/Contractor Enrollment

Application Submission

Download Enrollment Agreement /rebate/Kohler_Generator_Dealer_ Registration_Agreement.pdf Once logged in Click on Kohler Generators Financing link.

Days 1-3

Underwriting

Application is Reviewed by Bank

Approved: Dealer/Contractor is Notified by Email

Declined: Dealer/Contractor is Notified by Mail

Days 4-14

Dealer/Contractor Set Up

Company Location(s) loaded onto CBC Portal & ADS Database

Username and Logins Established for CBC Portal and Online Supply Website

Dealer/Contractor is Trained on Program and Process via Webinar

Application Brochures Ordered by ADS for Delivery to Dealer/Contractor

Dealer/Contractor Receives Notice via Email: ? CBC URL & Login ? Quick Reference Guide ? Bank Operating Procedures ? Dispute Process Letter ? Supply Order Information

Complete: ? Enrollment Application ? Company Location(s) (page 19) ? Promo Plans (page 20)

Start up Marketing Kit mailed to Dealer/Contractor

E-mail Completed Agreement KohlerApply@

Confidential - For Dealer/Contractor Use Only ?2015 ADS Alliance Data

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Credit Account Plan Options

Standard Payment Plan Revolving

6-Months

No Interest Plan* 12-Months 18-Months

24-Months

Low APR Equal Pay** 24-Months 36-Months 48-Months 60-Months

Plan Code

1

406

412

418

424

726

738

749

761

Merchant Discount Fee

APR

1.00% 2.95%

4.95%

7.50%

10.75%

2.74%

4.87%

4.84%

2.49%

27.99%

Variable

No Interest if

No Interest if

No Interest if

No Interest if

paid in full within paid in full within paid in full within paid in full within

6-months

12-months

18-months

24-months

7.99%

During Promotional

Period

6.99%

During Promotional

Period

7.99%

During Promotional

Period

9.99%

During Promotional

Period

Merchant Discount Fee (MDF) as of 3/2015. These rates may change at any time. *NO INTEREST MINIMUM PAYMENT PLAN No interest if paid in full within 6, 12, 18 or 24 months. Interest will be charged to the Customer's account at the variable APR of 27.99% from the purchase date if the purchase balance is not paid in full within the promotional period or if payment is late. Minimum monthly payments are required for this plan during the promotional period. **LOW APR EQUAL PAYMENT PLAN 7.99% APR if paid in full within 24 or 48 month plans. 6.99% APR if paid in f ull within 36 month plan. 9.99% APR if paid in full within 60 month plan. If the balance is not paid in full in 24, 36, 48 or 60 months interest will be imposed from the end of the promotional period at the standard, variable APR of 27.99%, based on the Prime Rate. Minimum monthly payments for this plan during the promotional period will be greater than the amount of the purchase including the calculated finance charges that will be assessed from the date of purchase through the end of the promotional period, divided by the number of months in the promotional period, (rounded up to the nearest $1); or $5.

Confidential - For Dealer/Contractor Use Only ?2015 ADS Alliance Data

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