PENNSYLVANIA’S HOME ENERGY LOAN PROGRAM

One of the Nation’s Top Home Energy Loan Programs• Over 14,000 ($110 Million) in energy efficiency loans since 2006

• Over 2,000 Pennsylvania contractors have participated in the program since its inception

• Created by AFC First (now part of Renew Financial) and West Penn Sustainable Energy Fund in 2005

• Taken statewide by a $20 million investment by Pennsylvania Treasury in 2006 and became the foundation for the national Warehouse for Energy Efficiency Lending

• Program support has been provided by DEP, PHFA, Pennvest, utilities, sustainable energy funds and philanthropies

• Awarded 2013 Alliance to Save Energy “Andromeda” Star of Energy Efficiency Award

• Semi Finalist 2015 -Innovations in American Government award from the Ash Center at the Harvard Kennedy School

• US DOE first non-utility Home Performance with ENERGY STAR named sponsor

Dedicated, Experienced Energy Efficiency Lenders

AFC First Financial Corporation, a national energy efficiency lender founded in 1947, working with over 5,000 contractors nationwide is now part of Renew Financial, the country's most innovative energy efficiency lender. This partnership will expand clean energy and energy efficiency financing options across the United States. Stay tuned for more exciting news!

Low, Fixed Rate, Fixed Monthly Payment Financing to Help Pennsylvania Contractors Drive Sales of Energy Efficiency Home Improvements

• Supported by the PA Treasury, PennVest and PA DEP

• Administered by Renew Financial (successor to AFC First), the country’s most innovative energy efficiency lender

• A wide array of qualifying improvements

• Only for work performed by Participating Contractors

• Financing ranging from $2,500 to $20,000

• Energy Assessment not required• All income levels are eligible • Instant Approval and Fast Funding• Repayment Terms Up to Ten Years

• Unsecured - No Penalty for Pre-Payment

• 7.99% APR True Fixed Rate for All Qualifying Customers

• No points, fees or closing costs

• No home equity required and new homeowners are OK too

• Low Cost to Contractor (2%)• Enhanced Contractor Sales Training, Support and Tools

What is KeystoneHELP?

What Improvements Qualify?

• Heating, Ventilation and Air Conditioning

• Boilers

• Furnaces

• Wood and Pellet Stoves

• Water Heaters

• Air Sealing & Insulation

• Windows & Doors

• Energy Efficiency Lighting

• Energy Efficiency Appliances

• And More

Eligible improvements must meet ENERGY STAR® standards or meet other performance eligibility criteria (if applicable).

25% of the loan may be used for non-qualifying, project related improvements.

Energy Assessment not required but may be included in loan

What Improvements Qualify?

What Improvements Qualify?

What Improvements Qualify?

What Improvements Qualify?

What Improvements Qualify?

Who is Eligible?

• Pennsylvania homeowners who are making qualifying improvements to their 1- or 2-unit primary residence (owner occupied)

• Good credit and the ability to repay are required

• All income levels are eligible

Who May Perform the Work?• Only KeystoneHELP-Participating Contractors may perform

the work

• Previously participating AFC First KeystoneHELP Contractors will be among the first to utilize this new program

• Basic Contractor Qualifications:• Minimum 3 Years in Business and history of financial stability• Satisfactory company and personal credit histories (when

applicable) and satisfactory BBB rating• Required licenses and insurance• Overall reputation for a high level of service and workmanship

• Enroll at keystonehelp.com

• Customers may have an interest in more efficient systems and improvements but may be put off by higher price

• Average American current available cash is $3,000 to $7,000 (What is your average installation cost?)

• If a contractor’s closing ratio is 40%, what’s happening to the other 60% - why aren’t they buying?• Is it the Contractor’s reputation?• Is it the price?• In today’s economy, are they scared of “gimmick” financing?• Or – is it simply that they need an affordable monthly

payment option that comfortably fits their budget and can be offset by energy savings?

“Can We Afford It?”: The #1 Issue for Consumers

True Fixed Rate Financing

Typical Promotional Credit Plan

KeystoneHELPLoan

18 to 32% 7.99%$2,500 $63 $30 $5,000 $125 $61 $7,500 $188 $91

$10,000 $250 $121 $12,500 $313 $152 $15,000 $375 $182 $17,500 $438 $212 $20,000 $500 $243

Providing Affordable Monthly Payment Financing

E

ELIGIBILITY – 4 P’s

APPLY online or by phone

SIGN and return finance docs & original Truth In Lending disclosure

INSTALL project; Sign Completion Certificate

E-PAYMENT to contractor via ACH

I

S

A

E

R REPAYMENT monthly to Renew Financial

KeystoneHELP EASIER ProcessFast and Easy Approval and Funding

New State of the Art Technology for Fast and Easy Approvals and Project Funding

• Instant In-Home Approval• E-Loan Documents – No Paper!• Mobile Contractor Sales Tool to Quote Low Payment Options• Easy Contractor Portal to Track Job Status• Contractor Sales Tool, Training and More!

Friendly, Efficient Call Center Support

• 844-734-6631• Call Center Hours 7 days a week • Monday – Friday 8am-9pm • Saturday 9am – 6pm• Sunday 12pm – 5pm • You can talk to a live energy lending specialist• Instant approval over the phone • They are here to help you resolve any questions you may have

Contact us for updates and more information• For program questions or contractor training

• Randy Bak; Regional Sales Manager Philadelphia, Southeastern PA rbak@renewfinancial.com (978)-766-7348

• Pete Balodis; Regional Sales ManagerCentral PA, Lehigh Valley, Northeast PA pbalodis@renewfinancial.com (610) 417-6192

• Sean Speilvogle; Regional Sales MangerPittsburgh, Western PA sspeilvogle@renewfinancial.com (412) 515-7302

• Dan Melamedorf, Account Manager dmelamedorf@renewfinancial.com (610) 973-2716

• Trey Muffet; Eastern Regional Sales Director tmuffet@renewfinancial.com (415) 812-8105

• Tessa Shin; Director, Unsecured Programs tshin@renewfinancial.com (610) 973-2692

• For contractor approval questions or status• Valerie Berdahl; Senior Contractor Specialist vberdahl@renewfinancial.com (610) 973-2722

• Reggie Selby; Contractor Specialist rselby@renewfinancial.com (610) 973-2715

• For channel partnerships (manufacturer, distributor, trade or community organization)• Peter Krajsa; Executive Vice President pkrajsa@renewfinancial.com (610) 737-4977

• Greg Burns; Director, Channel Development gburns@renewfinancial.com (207) 451-5012

• Susan Moring; Channel Marketing Manager smoring@renewfinancial.com (610) 973-2687