1. January 23 th, 2014 CEFIA Residential Programs

2. Agenda ▪Introduction to CEFIA ▪Introduction to Homeowner Financing Options –Smart-E Loan –Cozy Home Loan –CT Solar Loan –CT Solar Lease

3. Introduction to Financing Products

4. Smart-E Loans Introduction to Smart-E Loans

5. What are Smart-E Loans? ▪Residential loan product for CT homeowners ▪Low-interest financing with flexible terms ▪5 to 12 year terms, 4.49% to 6.99% rate ▪Unsecured loan ▪Easy application through local lenders ▪40+ energy improvements ▪$25k maximum

6. Participating Lenders www.energizect.com/smarte

7. ▪Quick, easy, flexible –Finance up to 20% related measures (roof repair, asbestos remediation, etc.) ▪Local lender, personal service ▪Loan payments should be less than the energy savings in most cases! ▪Website: www.energizect.com/smartewww.energizect.com/smarte Marketing the Smart-E Loan

8. ▪Series of 5 great videos! –General Smart-E (http://youtu.be/whte1PSdne0)http://youtu.be/whte1PSdne0 –Go Solar (http://youtu.be/DZDPMo1Yo8s)http://youtu.be/DZDPMo1Yo8s –Make the Switch to Natural Gas (http://youtu.be/uoGTdsanURE)http://youtu.be/uoGTdsanURE –HVAC (http://youtu.be/PH3hDVj8Zw8)http://youtu.be/PH3hDVj8Zw8 –Comfort (http://youtu.be/JLFX7bg7lt4)http://youtu.be/JLFX7bg7lt4 Marketing the Smart-E Loan

9. Smart-E Marketing Promotion ▪Limited Time Introductory Offer to Smart-E! ▪In partnership with CEFIA, lenders are offering customers: –No Interest on Smart-E Loans for Six Months –Until March 31, 2014

10. Sign Up to Become Smart-E Eligible ▪Contact Madeline Priest at madeline.priest@ctcleanenergy.com to schedule a 45 minute webinar on process madeline.priest@ctcleanenergy.com ▪Visit the contractor portal here: www.ctcleanenergy.com/Smart-E www.ctcleanenergy.com/Smart-E

11. Cozy Home Loans Introduction to Cozy Home Loans

12. Cozy Home Loan Introduction Who is HDF? ▪Housing Development Fund –Nonprofit organization that finances the development of affordable housing in southwestern CT since 1989 We’ve enabled over 1,600 people to buy their first home. We help 8,400 families establish good credit and manage down-payments. Free counseling for homebuyers and distressed owners Down payment and closing cost assistance We’ve financed over 1,000 quality rental units. Lending to multifamily developers 12

13. Cozy Home Loan Introduction What is Cozy Home? ▪Residential loan product for CT homeowners in Litchfield, Fairfield, and New Haven Counties ▪Low-interest financing ▪CT residents with low to moderate incomes ▪40+ energy improvements –10 year term, 5.99% interest rate –$3,000 up to $25,000 or –Up to $50,000 for multifamily homes (2-4 units) ▪25 % of total borrowed can be put towards health and safety issues (asbestos, lead, mold remediation )

14. Cozy Home Loan Introduction Income Limits ▪Litchfield, Fairfield, and New Haven Counties ▪80% of Area Median Income (AMI) ▪Bridgeport ▪Stamford – Norwalk ▪Danbury ▪Waterbury ▪New Haven ▪Litchfield County ▪Easy application process through AFC First

15. Cozy Home Loan Introduction Income Limits ▪Litchfield, Fairfield, and New Haven Counties ▪80% of Area Median Income (AMI) ▪New Haven ▪Easy application process through AFC First

16. CT Solar Loan Introduction to the CT Solar Loan

17. CT Solar Loan 17 ▪Residential loan product for homeowners specifically designed for solar ▪Lowest monthly payments on the road to solar ownership ▪Offers the largest long-term return on investment ▪Comes with extended system and production warranties at no additional cost ▪FICO scores ≥ 680, Debt to Income (DTI) Ratio ≤ 42%* * FICOs ≥ 720 no DTI limit

18. CT Solar Loan Interest Rate Promotion ▪For CT Solar Loan, Sungage is offering a $600 promotion toward interest payments for all customers who finance systems using this product ▪Offer good until March 31, 2014

19. Marketing the CT Solar Loan Physical collateral Sungage.net Solar Wealth™ Calculator ▪The “Pitch” for CT Solar Loan –Save more through ownership –Low monthly payments for only 15 years and you own the system at the end –Peace of mind through extended system and production warranties –Easy on-line credit pre-qualification and contracting –Multiple flexible alternatives if you move before end of loan

20. Sign Up to Become CT Solar Loan Eligible ▪Contact Ron French at Sungage to get started –Ronald.French@Sungage.net

21. CT Solar Lease Introduction to the CT Solar Lease

22. Overview of the CT Solar Lease ▪20-year lease for CT homeowners –Credit scores ≥ 640 and DTI ≤ 45% –Escalating payments (2.99% per year) or fixed lease available for higher monthly price ▪No money down* * If Total System Cost <= $4.50 per Watt 22

23. Overview of the CT Solar Lease ▪Additional benefit to homeowners –Bundled insurance and warranty management from Assurant  One-call resolution for all issues  Property and casualty coverage  Multi-Year Warranty Management Program 23

24. Marketing the CT Solar Lease ▪The “Pitch” for CT Solar Lease –Go Solar for no money down* –Save on your electric bill from day one  And lock in predictable bills for years to come –Peace of mind through the life of your lease  Insurance and warranty coverage bundled in, just one # to call –The affordable way to go solar  Pay a low fixed or escalated monthly payment – you choose With the CT Solar Lease it’s never been easier to go solar! * No down payment require if Total System Cost is less than or equal to $4.50 per Watt.

25. Sign Up For CT Solar Lease ▪Contact Bob Groegler at rgroegler@afcfirst.com to get startedrgroegler@afcfirst.com ▪Visit the contractor portal here: www.ctcleanenergy.com/PVLease www.ctcleanenergy.com/PVLease

26. CEFIA Contacts ▪Robert Schmitt, Associate of Marketing and Outreach, Marketing and Outreach Ph: 860-257-2173 robert.schmitt@ctcleanenergy.com ▪Madeline Priest, Project Assistant, Residential Programs Ph: 860-257-2891 madeline.priest@ctcleanenergy.com ▪John D’Agostino, Senior Manager, Residential Programs Ph: 860-257-2333 john.dagostino@ctcleanenergy.comjohn.dagostino@ctcleanenergy.com

27. Questions / Comments