Consumer Financing Delivered The path to more sales & increased loyalty www.vyze.com

Followusat:

Twi%er@vyzeinc

LinkedinVyze

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Consumers want purchasing power Financing makes it possible

Consumers want to buy your products but big-ticket purchases can be hard on tight budgets. The truth is consumers are actively looking to retailers to offer payment options that fit their lives. Today though, many retailers aren’t offering options, and the ones that are, are leaving many customers out of the equation. The result, is often abandoned or scaled back purchases. Offering financing options for every consumer segment presents a huge opportunity to empower consumers with increased purchasing power, and is proven to arm you with more sales and repeat purchases.

of US households are savings limited 60%

of consumers spend less or abandon their purchase if they are declined financing

of consumers seek to shop at retailers that offer financing

42%

68%

of retail credit applications are declined for primary financing

49%

Are offered financing options at big-ticket retailers 25%

Introducing Vyze A few of our customers

Omni-channel solutions

Financing Center

POS terminal

eCommerce

ü Technology – One time integration provides you an optimal customer experience with a single, waterfall application process.

ü Vyze connects you to full spectrum lending supply complete with primary, secondary & tertiary lenders.

ü Training, reporting, and marketing resources are all housed under one roof.

Fast facts

Vyze has over 10 lenders on the platform and has live solutions in thousands of stores across the country.

What

We partner with retailers & manufacturer brands to create the simplest, most satisfying financing experience for their customers, wherever and whenever they shop.

Leading fintech platform for retailers & manufacturer brands

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The Vyze Advantage Your all-in-one partner

Full Support State-of-the-art Technology

Comprehensive Lending Supply

Creating the technology to provide a seamless financing checkout experience can be time consuming. The good news is, Vyze takes on the heavy lifting for you. After a single set-up, Vyze brings you a single credit application that reviews consumers for all available offers. Vyze also streamline the purchase and settlement process for all the lenders to make back-end management easy.

Vyze brings you lenders across the entire credit spectrum to ensure a financing option is available for nearly every customer. Through one partner, you gain access to primary, secondary, and tertiary lenders. The best part? You can add and change lenders as often as you need with minimal investment & no additional integration.

The key to a successful credit strategy? Initial and ongoing support. From easy training for your sales staff (they only have to learn one process) to program reporting, and day to day lender management, we’ve got you covered. Vyze provides you with the 24-7 support you need to make sure your program is not only running smoothly, but providing you optimal results.

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Deliver superior checkout experiences

Before

A8er

Apply1

Decline

X

Apply2

Decline

X

Apply3

Approval

+

ApplyOnce

The checkout experience matters. Traditionally, offering multiple financing options required consumer to fill out individual applications for each lender. As you can imagine, this is a headache for everyone involved: holding up checkout lines, causing consumers to take multiple hits on their credit, and creating inefficient processes in the back-office. With Vyze, you can say goodbye to all those headaches.

ü  Consumers fill out a single credit

application that is routed to multiple lenders to find the best offer.

ü  Checkout times aren’t affected

ü  If in store, sales associates have confidence to offer financing

ü  You gain more sales, and foster brand loyalty.

The technology

Credit for every customer Lending capacity

primarylender secondarylender vyze

Prime

Near Prime

Sub Prime

Thin File

No Credit

It’s no surprise that no two customers are the same, which is why when it comes to lenders you need more than one to support each consumer. Having just a single lender for your financing program limits the amount of customers that can be approved. Each lender only approves customers in a specific part of the credit spectrum, leaving customers in other segments without options. Vyze makes it simple to deliver financing to every consumer by matching you with national primary, secondary, and tertiary lenders on the platform.

CreditSpectrum

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We are your biggest advocates Support

Once you have a well run program in place, you need the ability to manage it. This is where many programs fall short.

The fact is, lenders can come and go. They can change terms, pricing, underwriting criteria, and can drop your program if it is not delivering the results they want.

Vyze turns the table, putting you in control and focusing on your results.

Starting with a perfectly orchestrated launch, we set you up for success. Your team is trained on delivering superior experiences to consumers.

As accounts and sales start rolling in, Vyze provides detailed performance reporting with analysis and recommendations to continuously improve your results.

Working with Vyze you always have options and are never reliant on a individual lender. Whether you need to add volume, reach a different market or simply want better terms, adding or changing lenders is easy.

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More profitable growth with Vyze The perfect fit

Flexibility to make changes to without integration work

Expand credit program To all sales channels

Optimize results with financing your consumers are looking for

Seamless customer checkout

Single integration to access multiple lenders

“Not only has Vyze allowed us to deliver a superior financing experience to all our customers, it also has resulted in newly acquired customers, increased customer loyalty, and higher sales.” – $250M Electronics Retailer   “The Vyze program is significantly driving sales volume and it required very little effort on our end. That's a huge win.” – $1B+ Brand   “We realized immediate benefits with the Vyze financing platform. More customers get approved, and most of all, we say "no" less often.” – $100M Appliances Retailer

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Vyze products Omni-channel capabilities

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Access from

Cloud based

point of sale terminal, tablet, or kiosk

POS terminal Customer’s own device

laptop/tablet

Implementation Minimal IT work Full integration Dependent on in-cart or

out-of-cart process

Set Up 7 – 14 days 30 - 90 days 30 – 90 days

Configurability Standard configuration Highly customizable Standard to highly

customizable

Apply avenues In store & online

application and approval In store & online

application and approval Online application,

approval, and purchase

eCommerce POS Financing Center

“Customers want options. They want to apply online and do more without having to go to the store.”

Executive Director, $500M+ Retailer Research Participant

http://www.vyze.com for additional resources

Thanks!

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