PowerPoint Presentation

Tip of the Day

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Bristlecone Holdings, located in Reno, Nevada, proudly offers-OneRoad Lending. Currently OneRoad Lending has more than 500 automotive repair retailers enrolled and growing daily. One Road Lending has National relationships with Repair Pal, Cottman Transmission and now with Pronto. OneRoad Lending also has affiliations with Sema, ASA and AASP.OneRoad Lending will originate more than $20 million in 2016!

THEROAD IS YOURSFinancing for Tires, Wheels and Auto Repair

One Road Lending Overview: Market Opportunity

Nonprime Consumer Opportunity for Online and In-Store Over:65 million consumers have FICO scores below 700

46%of consumers do not qualify for conventional consumer financing or traditional FICO-based financing options

34% of consumers do not have a credit card

One Road Lending Overview: Program Benefits

NEW CUSTOMER BASEOur risk based lease-to-purchase program helps you convert 46% of customers that are normally declined by prime financing or cant pay with credit cardsDYNAMIC RISK BASED PRICING One Road Lending takes several factors other than customers FICO scores into account in the approval processNO RECOURSENo recourse to the retailer beyond the retailers standard warranty period and customers can return their product to One Road Lending at any time with no hidden feesDEDICATED SUPPORTOur support is full-spectrum with minimal involvement from your IT department during integration and continual support in real-time with customer, and your sales staff

One Road Lending Overview: Program Benefits

EASY CHECKOUT Customers apply and in less than 10 seconds can be approved up to $5,000 instantly TIMELY 100% FUNDINGNo fees, No risk, No hassle. One Road Lending offers a 100% payout to retailers and offers guaranteed, frequent fundingNO MINIMUM TERMOne Road Lending gives your customers the flexibility of paying monthly for items they want, increasing your average order value and overall conversions. All customers are offered an early buyout option, to save $

NO MERCHANT FEESNo merchant discount fees, No enrollment fee, No monthly minimum requirements & No extra equipment necessary.

One Road Lending Overview: Leasable Items

BROAD RANGE OF APPROVED PRODUCTS Products dont default, people do Approved Products:Tires & Wheels Automotive Service & Repair Car Audio and Stereo, Including InstallationParts and Accessories

ELIGIBLE ITEMS FOR ONE ROAD LENDINGInvoices which total at least $300Leased items must not be sold at a price greater than the normal cash price Warranties may be added, and are billed monthly at the cash price and term

One Road Lending: Retailer & Consumer Benefits

FASTGet the customer out the door quickly with a 5 minute end to end approval and DocuSign transaction

NO CUSTOMER DOCUMENTS REQUIREDOne Road Lending does not require supporting documents or verifications

HIGHER APPROVAL LIMITSInvoice minimums of $300 with approval limits up to $5,000 for qualified customers WARRANTIES OKConsumer can add warranties and pay monthly, and One Road Lending does not charge a premium or multiple on the warranty expense

One Road Lending: Getting Live In-Store 5 Easy Steps

12345Your Store Can Be Live in Minutes For a Profitable Long-Term RelationshipNo Floor spaceOne Road Lending resides in each POS browser: no people, no desks, no collection callsLive TrainingIn-person or virtual training for stores and/or team leads, and ongoing virtual supportIncentivizationClose more sales, higher commissions for sales staff and finance teamsMarketingSuite of tents, posters, clings, banners available to promote and educate customers about One Road LendingData & PerformanceReal-time dashboards with visibility into your stores and sales staffReturn CustomersOne Road Lending shares data On which customers have available credit, and how much

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Objection BustersI already have a finance program for my customers- OneRoad Lending is not meant to replace your existing program(s). It is another tool for you and your store. You will find that OneRoad Lending will approve a larger base of customers at variable terms (depending on the customer's credit, etc.). OneRoad, unlike other consumer lending programs, does not charge any fee to our merchants.Consumer Lending takes too much time and effort- One Road Lending is simpler than other programs. Customers apply on line and you create the contract within minutes for the customer to sign, via E-Signature.If a customer does not have the money for their repair, I don't fix their car- Many times, repairs needed comes at an inopportune time for people. Customers appreciate payment options. OneRoad Lending pays merchants by ACH in 2 business days. More sales mean more profit!

Most lenders charge too much to customers. I don't want my customers to think that "I ripped them off"- One Road Lending is the only lender in the auto repair industry that has dynamic pricing. Rather than a fixed payment for all customers, lower payments are offered to lower risk customers. Low risk customers have very favorable terms, yet higher risk customers are many times approved, as well. Customers are priced fairly, based on risk. Our approval rate is currently higher than 70%.I don't want to deal with customer complaints to a lender and have to worry about chargebacks later- OneRoad Lending merchants do not have to worry about chargebacks. There is no recourse, no chargebacks... no risk to merchants!

Doug HardingSr. VP of OriginationP (775) 200-9176Doug.harding@bristleconeholdings.comwww.oneroadlending.comwww.bristleconeholdings.com