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Understanding High ROI Energy Upgrades for Bank Buildings
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Page 1: Lime Energy Banking Brochure

Bualo, NY

Boston, MA Lee, MA

Charlotte, NC

Bethlehem, PA

Elk Grove Village, ILWoodbridge, NJ

Greensboro, NC

Salt Lake City, UT

Locust, NC

Bellevue, WA

New York, NYLong Island, NY

Dallas, TX

Austin, TX

Denver, CO

San Diego, CA

Aiea, HI

Emeryville, CASan Jose, CA

Glendora, CANorthridge, CA

Phoenix, AZ

LIME ENERGY

Lime Energy provides complete energy upgrade and renewable energy solutions for private and public sector clients. Projects benefit the environment, improve building spaces, and yield an exceptional annual return. The company has experience with over 2 billion square feet of building space in dozens of industries. Lime Energy is a NASDAQ company (LIME) with locations nationwide.

909.394.0230lime-energy.com

© 2011 by Lime Energy Co.

Understanding High ROI Energy Upgrades for Bank Buildings

Hidden Savings in Your Bank Buildings?

Is it Possible

to Capture

Page 2: Lime Energy Banking Brochure

Is it Possible

to Capture

Hidden Savings in Your Bank Buildings?

Page 3: Lime Energy Banking Brochure

Energy EngineeringLime Energy’s experienced energy engineers

perform energy modeling, conduct on-site analysis and present recommendations for

saving energy, improving operations and the environment. Where required, our engineering

staff performs commissioning, technology review, and risk analysis. Practical recommendations are

offered with firm pricing that are ready for implementation.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

The Third Bottom Line is an improved natural environment — lower carbon footprint, cleaner air and water. Increasing numbers of customers expect a commitment to sustainability... and often vote with their feet.

High ROI energy upgrades have been returning a Triple Bottom Line to astute banking enterprises.Hidden and permanent savings can be captured from bank buildings. Energy experts at Lime Energy can provide case studies and discuss the most important case of all: your organization and building portfolio.

A cquisitions and routine business challenges can tax the banker’s bottom line. Add a global recession and the costs of Federal Reserve Board regulations and net earnings become more elusive. No crystal ball can prepare us for the next surprise. Yet bankers can aggressively improve management of assets they control — recovering hidden, permanent savings in bank buildings is a sure way of adding to The First Bottom Line.

The Second Bottom Line is more comfort and produc-tivity in bank environments: branches, administration buildings and data centers. More satisfied employees and customers.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

High efficiency lighting usually offers the highest ROI and is typi-cally the first upgrade performed. All bank branch requirements for lighting are carefully considered rather than making a simple replacement with more efficient technology. Even ATM lighting is studied for optimal 24 / 7 safety, compliance and ongoing, reliable maintenance. Site evaluation, design, and implementation from one provider can save time and return recovered dollars sooner.

Introducing the Triple Bottom Line

HVAC/MechanicalHidden savings are available in better design

and operation of ventilation fans, air condition-ing and heating equipment, pumps, and process machinery. Opportunities to save are developed

through evaluation, design, installation and commissioning of the best solution for the situ-ation. These complex systems must be properly analyzed, monitored and maintained to realize

the maximum savings.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

In 2010 USA TODAY reported “Banks smarten up branches to woo customers… who are still more at ease making major decisions in person.” Personal touch, warm service and local decision making remain important to customers. People still want to come in and talk and real buildings make it possible.

More than half of major banks expect to maintain or add to their branch networks. Brick and mortar will never go away; so how can banks efficiently manage their branch infrastructure portfolio? Intelligent energy analysis, upgrades and monitoring are all part of the formula.

Bank buildings are a major component of corporate identity. Every bank sign, exterior and interior can convey brand message, history, quality and trust. Retail customers expect a safe, clean, appealing environment — professional energy upgrades can improve lighting, air comfort, visual appeal and enhance customer — banker visits and communication.

WeatherizationBank building envelopes provide opportunities

to avoid energy waste by separating the building interior from outdoor conditions. Energy costs

are saved by evaluating and installing the appropriate levels of insulation and sealing exposed penetrations to the outside. Quality

window film and roof protection are other opportunities to protect and save.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

WaterComplete solutions are offered for saving water

and the energy associated with pumping, heating, and treating. We can evaluate current water use and design solutions for your building portfolio.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

RenewablesAfter reducing consumption through

energy efficiency, Lime Energy can provide the engineering, design, implementation, ownership, management and operation of

renewable energy. These include solar, wind, biomass and other on-site generation assets.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

ControlsThe use of optimized controls for lighting,

and heating, cooling and ventilation (HVAC) equipment ensures the highest savings are

achieved and endure over time. Lime Energy solutions can include real-time communication

and continuous commissioning to ensure energy is not being wasted today or into the future.

Our systems allow you to have visibility of bank building operations and control energy costs

from anywhere in the world.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

It’s impossible to effectively manage what can’t be measured. Lime Energy’s bank building analytics and software partnerships make precise measurement possible for building energy, maintenance and carbon footprint management.

Leading energy efficiency software allows banks to measure, manage and save. With a user-friendly web interface — and no software to install or maintain — getting started is easy. Lime Energy does the start-up work for you: building and meter set-up, quality audit of historical utility bills, connection to weather data and carbon emission tracking setup. The software tracks and reports consumption, costs, and carbon footprint from electricity, natural gas, wastewater, solid waste, recycling, vehicle fuel and any other resource that can benefit from accurate record keeping and trend analysis. Valuable reports compare current consumption to past history in order to identify trends and document changes. Clients find this software to be an easy and convenient tool for analyzing energy consumption, setting energy upgrade priorities, and improving the environment.

Lime Energy stays with banks over time to assist in staying on top of the energy and maintenance spend of building portfolios. Maximum savings always start with precise measurements and diagnosis, which are part of a professional energy engineering audit.

Precise Measurement Provides Maximum

Savings

Brick and Mortar Here to Stay

INTELLIGENT ENERGY MANAGEMENTPERMANENTLY LOWERS COSTS,

ENHANCES CUSTOMER EXPERIENCE & CORPORATE IDENTITY

How? An energy audit followed by a detailed energy plan. A prioritized list of your bank’s most inefficient facilities will rank the buildings that provide the best payback opportuni-ty. An expert analysis reveals present energy costs, energy and cost reduction opportunities, projection of carbon footprint reduction, available utility company rebates, tax treatment, and the cost to implement an energy upgrade.

An Efficient Enterprise analysis can list the bank’s facilities from worst to best (kWh/square foot basis) and establish realistic estimates for: kWh saved, dollars saved, installed cost, utility incentives, return on investment, and environmental impact. All states, branches, administration buildings and data centers present a complete enterprise-wide opportunity to save. When complete energy upgrade service — including site evalua-tion, design and implementation — are all delivered from one pro-vider, banks save time and enjoy a faster financial return. Banks that attempt to self-perform energy upgrades usually substantially compromise ROI. Banks that do not perform energy upgrades when they are needed, pass up a remarkable savings opportunity.

ENERGY STAR certification can be obtained and a plaque placed in every branch — many customers appreciate your efficiency and sustainability recognition.

Rooftop to Foundation Savings in Each and

Every Branch

A traditional measure for bank productivity, the efficiency ratio — the cost required to generate a dollar of revenue — can be improved by lowering energy and operating costs. The cost-to-income ratio — operating costs of business relative to net interest income — can be lowered with high ROI energy upgrades.

A McKinsey study of 7,000 non-financial public firms foundthat the US market’s median Return on Invested Capital(ROIC) from 1963 to 2004, excluding goodwill, averagednearly 10 percent. During the 2006 – 2010 period, ROIC forthe nation’s largest banks averaged less than 5 percent.

Lime Energy has delivered energy upgrades producing a 20 – 40% ROI for over 5,500 bank buildings in 46 states. The high ROI goes beyond dollars. Quality energy upgrades yield more comfort and productivity in work and common spaces — more satisfied employees and customers. And more pure air — indoors and outdoors.

Lime Energy’s technology and brand agnostic approach allows bank clients to get the facts and options on how to permanently lower energy-related costs for all bank buildings. To learn more about The Triple Bottom Line visit Lime–Energy.com or call your Lime Energy expert today.

Extraordinary Returns By Any Measure

40 Cents to 1 Dollarper square foot

40 Cents to 1 Dollarper square foot

VERIFIABLE ANNUAL ROI FOR OVER 5,500 BRANCHES

TYPICAL ANNUAL SAVINGSFROM BANKS IN 46 STATES

Page 4: Lime Energy Banking Brochure

Energy EngineeringLime Energy’s experienced energy engineers

perform energy modeling, conduct on-site analysis and present recommendations for

saving energy, improving operations and the environment. Where required, our engineering

staff performs commissioning, technology review, and risk analysis. Practical recommendations are

offered with firm pricing that are ready for implementation.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

The Third Bottom Line is an improved natural environment — lower carbon footprint, cleaner air and water. Increasing numbers of customers expect a commitment to sustainability... and often vote with their feet.

High ROI energy upgrades have been returning a Triple Bottom Line to astute banking enterprises.Hidden and permanent savings can be captured from bank buildings. Energy experts at Lime Energy can provide case studies and discuss the most important case of all: your organization and building portfolio.

A cquisitions and routine business challenges can tax the banker’s bottom line. Add a global recession and the costs of Federal Reserve Board regulations and net earnings become more elusive. No crystal ball can prepare us for the next surprise. Yet bankers can aggressively improve management of assets they control — recovering hidden, permanent savings in bank buildings is a sure way of adding to The First Bottom Line.

The Second Bottom Line is more comfort and produc-tivity in bank environments: branches, administration buildings and data centers. More satisfied employees and customers.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

High efficiency lighting usually offers the highest ROI and is typi-cally the first upgrade performed. All bank branch requirements for lighting are carefully considered rather than making a simple replacement with more efficient technology. Even ATM lighting is studied for optimal 24 / 7 safety, compliance and ongoing, reliable maintenance. Site evaluation, design, and implementation from one provider can save time and return recovered dollars sooner.

Introducing the Triple Bottom Line

HVAC/MechanicalHidden savings are available in better design

and operation of ventilation fans, air condition-ing and heating equipment, pumps, and process machinery. Opportunities to save are developed

through evaluation, design, installation and commissioning of the best solution for the situ-ation. These complex systems must be properly analyzed, monitored and maintained to realize

the maximum savings.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

In 2010 USA TODAY reported “Banks smarten up branches to woo customers… who are still more at ease making major decisions in person.” Personal touch, warm service and local decision making remain important to customers. People still want to come in and talk and real buildings make it possible.

More than half of major banks expect to maintain or add to their branch networks. Brick and mortar will never go away; so how can banks efficiently manage their branch infrastructure portfolio? Intelligent energy analysis, upgrades and monitoring are all part of the formula.

Bank buildings are a major component of corporate identity. Every bank sign, exterior and interior can convey brand message, history, quality and trust. Retail customers expect a safe, clean, appealing environment — professional energy upgrades can improve lighting, air comfort, visual appeal and enhance customer — banker visits and communication.

WeatherizationBank building envelopes provide opportunities

to avoid energy waste by separating the building interior from outdoor conditions. Energy costs

are saved by evaluating and installing the appropriate levels of insulation and sealing exposed penetrations to the outside. Quality

window film and roof protection are other opportunities to protect and save.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

WaterComplete solutions are offered for saving water

and the energy associated with pumping, heating, and treating. We can evaluate current water use and design solutions for your building portfolio.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

RenewablesAfter reducing consumption through

energy efficiency, Lime Energy can provide the engineering, design, implementation, ownership, management and operation of

renewable energy. These include solar, wind, biomass and other on-site generation assets.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

ControlsThe use of optimized controls for lighting,

and heating, cooling and ventilation (HVAC) equipment ensures the highest savings are

achieved and endure over time. Lime Energy solutions can include real-time communication

and continuous commissioning to ensure energy is not being wasted today or into the future.

Our systems allow you to have visibility of bank building operations and control energy costs

from anywhere in the world.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

It’s impossible to effectively manage what can’t be measured. Lime Energy’s bank building analytics and software partnerships make precise measurement possible for building energy, maintenance and carbon footprint management.

Leading energy efficiency software allows banks to measure, manage and save. With a user-friendly web interface — and no software to install or maintain — getting started is easy. Lime Energy does the start-up work for you: building and meter set-up, quality audit of historical utility bills, connection to weather data and carbon emission tracking setup. The software tracks and reports consumption, costs, and carbon footprint from electricity, natural gas, wastewater, solid waste, recycling, vehicle fuel and any other resource that can benefit from accurate record keeping and trend analysis. Valuable reports compare current consumption to past history in order to identify trends and document changes. Clients find this software to be an easy and convenient tool for analyzing energy consumption, setting energy upgrade priorities, and improving the environment.

Lime Energy stays with banks over time to assist in staying on top of the energy and maintenance spend of building portfolios. Maximum savings always start with precise measurements and diagnosis, which are part of a professional energy engineering audit.

Precise Measurement Provides Maximum

Savings

Brick and Mortar Here to Stay

INTELLIGENT ENERGY MANAGEMENTPERMANENTLY LOWERS COSTS,

ENHANCES CUSTOMER EXPERIENCE & CORPORATE IDENTITY

How? An energy audit followed by a detailed energy plan. A prioritized list of your bank’s most inefficient facilities will rank the buildings that provide the best payback opportuni-ty. An expert analysis reveals present energy costs, energy and cost reduction opportunities, projection of carbon footprint reduction, available utility company rebates, tax treatment, and the cost to implement an energy upgrade.

An Efficient Enterprise analysis can list the bank’s facilities from worst to best (kWh/square foot basis) and establish realistic estimates for: kWh saved, dollars saved, installed cost, utility incentives, return on investment, and environmental impact. All states, branches, administration buildings and data centers present a complete enterprise-wide opportunity to save. When complete energy upgrade service — including site evalua-tion, design and implementation — are all delivered from one pro-vider, banks save time and enjoy a faster financial return. Banks that attempt to self-perform energy upgrades usually substantially compromise ROI. Banks that do not perform energy upgrades when they are needed, pass up a remarkable savings opportunity.

ENERGY STAR certification can be obtained and a plaque placed in every branch — many customers appreciate your efficiency and sustainability recognition.

Rooftop to Foundation Savings in Each and

Every Branch

A traditional measure for bank productivity, the efficiency ratio — the cost required to generate a dollar of revenue — can be improved by lowering energy and operating costs. The cost-to-income ratio — operating costs of business relative to net interest income — can be lowered with high ROI energy upgrades.

A McKinsey study of 7,000 non-financial public firms foundthat the US market’s median Return on Invested Capital(ROIC) from 1963 to 2004, excluding goodwill, averagednearly 10 percent. During the 2006 – 2010 period, ROIC forthe nation’s largest banks averaged less than 5 percent.

Lime Energy has delivered energy upgrades producing a 20 – 40% ROI for over 5,500 bank buildings in 46 states. The high ROI goes beyond dollars. Quality energy upgrades yield more comfort and productivity in work and common spaces — more satisfied employees and customers. And more pure air — indoors and outdoors.

Lime Energy’s technology and brand agnostic approach allows bank clients to get the facts and options on how to permanently lower energy-related costs for all bank buildings. To learn more about The Triple Bottom Line visit Lime–Energy.com or call your Lime Energy expert today.

Extraordinary Returns By Any Measure

40 Cents to 1 Dollarper square foot

40 Cents to 1 Dollarper square foot

VERIFIABLE ANNUAL ROI FOR OVER 5,500 BRANCHES

TYPICAL ANNUAL SAVINGSFROM BANKS IN 46 STATES

Page 5: Lime Energy Banking Brochure

Energy EngineeringLime Energy’s experienced energy engineers

perform energy modeling, conduct on-site analysis and present recommendations for

saving energy, improving operations and the environment. Where required, our engineering

staff performs commissioning, technology review, and risk analysis. Practical recommendations are

offered with firm pricing that are ready for implementation.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

The Third Bottom Line is an improved natural environment — lower carbon footprint, cleaner air and water. Increasing numbers of customers expect a commitment to sustainability... and often vote with their feet.

High ROI energy upgrades have been returning a Triple Bottom Line to astute banking enterprises.Hidden and permanent savings can be captured from bank buildings. Energy experts at Lime Energy can provide case studies and discuss the most important case of all: your organization and building portfolio.

A cquisitions and routine business challenges can tax the banker’s bottom line. Add a global recession and the costs of Federal Reserve Board regulations and net earnings become more elusive. No crystal ball can prepare us for the next surprise. Yet bankers can aggressively improve management of assets they control — recovering hidden, permanent savings in bank buildings is a sure way of adding to The First Bottom Line.

The Second Bottom Line is more comfort and produc-tivity in bank environments: branches, administration buildings and data centers. More satisfied employees and customers.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

High efficiency lighting usually offers the highest ROI and is typi-cally the first upgrade performed. All bank branch requirements for lighting are carefully considered rather than making a simple replacement with more efficient technology. Even ATM lighting is studied for optimal 24 / 7 safety, compliance and ongoing, reliable maintenance. Site evaluation, design, and implementation from one provider can save time and return recovered dollars sooner.

Introducing the Triple Bottom Line

HVAC/MechanicalHidden savings are available in better design

and operation of ventilation fans, air condition-ing and heating equipment, pumps, and process machinery. Opportunities to save are developed

through evaluation, design, installation and commissioning of the best solution for the situ-ation. These complex systems must be properly analyzed, monitored and maintained to realize

the maximum savings.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

In 2010 USA TODAY reported “Banks smarten up branches to woo customers… who are still more at ease making major decisions in person.” Personal touch, warm service and local decision making remain important to customers. People still want to come in and talk and real buildings make it possible.

More than half of major banks expect to maintain or add to their branch networks. Brick and mortar will never go away; so how can banks efficiently manage their branch infrastructure portfolio? Intelligent energy analysis, upgrades and monitoring are all part of the formula.

Bank buildings are a major component of corporate identity. Every bank sign, exterior and interior can convey brand message, history, quality and trust. Retail customers expect a safe, clean, appealing environment — professional energy upgrades can improve lighting, air comfort, visual appeal and enhance customer — banker visits and communication.

WeatherizationBank building envelopes provide opportunities

to avoid energy waste by separating the building interior from outdoor conditions. Energy costs

are saved by evaluating and installing the appropriate levels of insulation and sealing exposed penetrations to the outside. Quality

window film and roof protection are other opportunities to protect and save.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

WaterComplete solutions are offered for saving water

and the energy associated with pumping, heating, and treating. We can evaluate current water use and design solutions for your building portfolio.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

RenewablesAfter reducing consumption through

energy efficiency, Lime Energy can provide the engineering, design, implementation, ownership, management and operation of

renewable energy. These include solar, wind, biomass and other on-site generation assets.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

ControlsThe use of optimized controls for lighting,

and heating, cooling and ventilation (HVAC) equipment ensures the highest savings are

achieved and endure over time. Lime Energy solutions can include real-time communication

and continuous commissioning to ensure energy is not being wasted today or into the future.

Our systems allow you to have visibility of bank building operations and control energy costs

from anywhere in the world.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

It’s impossible to effectively manage what can’t be measured. Lime Energy’s bank building analytics and software partnerships make precise measurement possible for building energy, maintenance and carbon footprint management.

Leading energy efficiency software allows banks to measure, manage and save. With a user-friendly web interface — and no software to install or maintain — getting started is easy. Lime Energy does the start-up work for you: building and meter set-up, quality audit of historical utility bills, connection to weather data and carbon emission tracking setup. The software tracks and reports consumption, costs, and carbon footprint from electricity, natural gas, wastewater, solid waste, recycling, vehicle fuel and any other resource that can benefit from accurate record keeping and trend analysis. Valuable reports compare current consumption to past history in order to identify trends and document changes. Clients find this software to be an easy and convenient tool for analyzing energy consumption, setting energy upgrade priorities, and improving the environment.

Lime Energy stays with banks over time to assist in staying on top of the energy and maintenance spend of building portfolios. Maximum savings always start with precise measurements and diagnosis, which are part of a professional energy engineering audit.

Precise Measurement Provides Maximum

Savings

Brick and Mortar Here to Stay

INTELLIGENT ENERGY MANAGEMENTPERMANENTLY LOWERS COSTS,

ENHANCES CUSTOMER EXPERIENCE & CORPORATE IDENTITY

How? An energy audit followed by a detailed energy plan. A prioritized list of your bank’s most inefficient facilities will rank the buildings that provide the best payback opportuni-ty. An expert analysis reveals present energy costs, energy and cost reduction opportunities, projection of carbon footprint reduction, available utility company rebates, tax treatment, and the cost to implement an energy upgrade.

An Efficient Enterprise analysis can list the bank’s facilities from worst to best (kWh/square foot basis) and establish realistic estimates for: kWh saved, dollars saved, installed cost, utility incentives, return on investment, and environmental impact. All states, branches, administration buildings and data centers present a complete enterprise-wide opportunity to save. When complete energy upgrade service — including site evalua-tion, design and implementation — are all delivered from one pro-vider, banks save time and enjoy a faster financial return. Banks that attempt to self-perform energy upgrades usually substantially compromise ROI. Banks that do not perform energy upgrades when they are needed, pass up a remarkable savings opportunity.

ENERGY STAR certification can be obtained and a plaque placed in every branch — many customers appreciate your efficiency and sustainability recognition.

Rooftop to Foundation Savings in Each and

Every Branch

A traditional measure for bank productivity, the efficiency ratio — the cost required to generate a dollar of revenue — can be improved by lowering energy and operating costs. The cost-to-income ratio — operating costs of business relative to net interest income — can be lowered with high ROI energy upgrades.

A McKinsey study of 7,000 non-financial public firms foundthat the US market’s median Return on Invested Capital(ROIC) from 1963 to 2004, excluding goodwill, averagednearly 10 percent. During the 2006 – 2010 period, ROIC forthe nation’s largest banks averaged less than 5 percent.

Lime Energy has delivered energy upgrades producing a 20 – 40% ROI for over 5,500 bank buildings in 46 states. The high ROI goes beyond dollars. Quality energy upgrades yield more comfort and productivity in work and common spaces — more satisfied employees and customers. And more pure air — indoors and outdoors.

Lime Energy’s technology and brand agnostic approach allows bank clients to get the facts and options on how to permanently lower energy-related costs for all bank buildings. To learn more about The Triple Bottom Line visit Lime–Energy.com or call your Lime Energy expert today.

Extraordinary Returns By Any Measure

40 Cents to 1 Dollarper square foot

40 Cents to 1 Dollarper square foot

VERIFIABLE ANNUAL ROI FOR OVER 5,500 BRANCHES

TYPICAL ANNUAL SAVINGSFROM BANKS IN 46 STATES

Page 6: Lime Energy Banking Brochure

Energy EngineeringLime Energy’s experienced energy engineers

perform energy modeling, conduct on-site analysis and present recommendations for

saving energy, improving operations and the environment. Where required, our engineering

staff performs commissioning, technology review, and risk analysis. Practical recommendations are

offered with firm pricing that are ready for implementation.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

The Third Bottom Line is an improved natural environment — lower carbon footprint, cleaner air and water. Increasing numbers of customers expect a commitment to sustainability... and often vote with their feet.

High ROI energy upgrades have been returning a Triple Bottom Line to astute banking enterprises.Hidden and permanent savings can be captured from bank buildings. Energy experts at Lime Energy can provide case studies and discuss the most important case of all: your organization and building portfolio.

A cquisitions and routine business challenges can tax the banker’s bottom line. Add a global recession and the costs of Federal Reserve Board regulations and net earnings become more elusive. No crystal ball can prepare us for the next surprise. Yet bankers can aggressively improve management of assets they control — recovering hidden, permanent savings in bank buildings is a sure way of adding to The First Bottom Line.

The Second Bottom Line is more comfort and produc-tivity in bank environments: branches, administration buildings and data centers. More satisfied employees and customers.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

High efficiency lighting usually offers the highest ROI and is typi-cally the first upgrade performed. All bank branch requirements for lighting are carefully considered rather than making a simple replacement with more efficient technology. Even ATM lighting is studied for optimal 24 / 7 safety, compliance and ongoing, reliable maintenance. Site evaluation, design, and implementation from one provider can save time and return recovered dollars sooner.

Introducing the Triple Bottom Line

HVAC/MechanicalHidden savings are available in better design

and operation of ventilation fans, air condition-ing and heating equipment, pumps, and process machinery. Opportunities to save are developed

through evaluation, design, installation and commissioning of the best solution for the situ-ation. These complex systems must be properly analyzed, monitored and maintained to realize

the maximum savings.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

In 2010 USA TODAY reported “Banks smarten up branches to woo customers… who are still more at ease making major decisions in person.” Personal touch, warm service and local decision making remain important to customers. People still want to come in and talk and real buildings make it possible.

More than half of major banks expect to maintain or add to their branch networks. Brick and mortar will never go away; so how can banks efficiently manage their branch infrastructure portfolio? Intelligent energy analysis, upgrades and monitoring are all part of the formula.

Bank buildings are a major component of corporate identity. Every bank sign, exterior and interior can convey brand message, history, quality and trust. Retail customers expect a safe, clean, appealing environment — professional energy upgrades can improve lighting, air comfort, visual appeal and enhance customer — banker visits and communication.

WeatherizationBank building envelopes provide opportunities

to avoid energy waste by separating the building interior from outdoor conditions. Energy costs

are saved by evaluating and installing the appropriate levels of insulation and sealing exposed penetrations to the outside. Quality

window film and roof protection are other opportunities to protect and save.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

WaterComplete solutions are offered for saving water

and the energy associated with pumping, heating, and treating. We can evaluate current water use and design solutions for your building portfolio.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

RenewablesAfter reducing consumption through

energy efficiency, Lime Energy can provide the engineering, design, implementation, ownership, management and operation of

renewable energy. These include solar, wind, biomass and other on-site generation assets.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

ControlsThe use of optimized controls for lighting,

and heating, cooling and ventilation (HVAC) equipment ensures the highest savings are

achieved and endure over time. Lime Energy solutions can include real-time communication

and continuous commissioning to ensure energy is not being wasted today or into the future.

Our systems allow you to have visibility of bank building operations and control energy costs

from anywhere in the world.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

It’s impossible to effectively manage what can’t be measured. Lime Energy’s bank building analytics and software partnerships make precise measurement possible for building energy, maintenance and carbon footprint management.

Leading energy efficiency software allows banks to measure, manage and save. With a user-friendly web interface — and no software to install or maintain — getting started is easy. Lime Energy does the start-up work for you: building and meter set-up, quality audit of historical utility bills, connection to weather data and carbon emission tracking setup. The software tracks and reports consumption, costs, and carbon footprint from electricity, natural gas, wastewater, solid waste, recycling, vehicle fuel and any other resource that can benefit from accurate record keeping and trend analysis. Valuable reports compare current consumption to past history in order to identify trends and document changes. Clients find this software to be an easy and convenient tool for analyzing energy consumption, setting energy upgrade priorities, and improving the environment.

Lime Energy stays with banks over time to assist in staying on top of the energy and maintenance spend of building portfolios. Maximum savings always start with precise measurements and diagnosis, which are part of a professional energy engineering audit.

Precise Measurement Provides Maximum

Savings

Brick and Mortar Here to Stay

INTELLIGENT ENERGY MANAGEMENTPERMANENTLY LOWERS COSTS,

ENHANCES CUSTOMER EXPERIENCE & CORPORATE IDENTITY

How? An energy audit followed by a detailed energy plan. A prioritized list of your bank’s most inefficient facilities will rank the buildings that provide the best payback opportuni-ty. An expert analysis reveals present energy costs, energy and cost reduction opportunities, projection of carbon footprint reduction, available utility company rebates, tax treatment, and the cost to implement an energy upgrade.

An Efficient Enterprise analysis can list the bank’s facilities from worst to best (kWh/square foot basis) and establish realistic estimates for: kWh saved, dollars saved, installed cost, utility incentives, return on investment, and environmental impact. All states, branches, administration buildings and data centers present a complete enterprise-wide opportunity to save. When complete energy upgrade service — including site evalua-tion, design and implementation — are all delivered from one pro-vider, banks save time and enjoy a faster financial return. Banks that attempt to self-perform energy upgrades usually substantially compromise ROI. Banks that do not perform energy upgrades when they are needed, pass up a remarkable savings opportunity.

ENERGY STAR certification can be obtained and a plaque placed in every branch — many customers appreciate your efficiency and sustainability recognition.

Rooftop to Foundation Savings in Each and

Every Branch

A traditional measure for bank productivity, the efficiency ratio — the cost required to generate a dollar of revenue — can be improved by lowering energy and operating costs. The cost-to-income ratio — operating costs of business relative to net interest income — can be lowered with high ROI energy upgrades.

A McKinsey study of 7,000 non-financial public firms foundthat the US market’s median Return on Invested Capital(ROIC) from 1963 to 2004, excluding goodwill, averagednearly 10 percent. During the 2006 – 2010 period, ROIC forthe nation’s largest banks averaged less than 5 percent.

Lime Energy has delivered energy upgrades producing a 20 – 40% ROI for over 5,500 bank buildings in 46 states. The high ROI goes beyond dollars. Quality energy upgrades yield more comfort and productivity in work and common spaces — more satisfied employees and customers. And more pure air — indoors and outdoors.

Lime Energy’s technology and brand agnostic approach allows bank clients to get the facts and options on how to permanently lower energy-related costs for all bank buildings. To learn more about The Triple Bottom Line visit Lime–Energy.com or call your Lime Energy expert today.

Extraordinary Returns By Any Measure

40 Cents to 1 Dollarper square foot

40 Cents to 1 Dollarper square foot

VERIFIABLE ANNUAL ROI FOR OVER 5,500 BRANCHES

TYPICAL ANNUAL SAVINGSFROM BANKS IN 46 STATES

Page 7: Lime Energy Banking Brochure

Energy EngineeringLime Energy’s experienced energy engineers

perform energy modeling, conduct on-site analysis and present recommendations for

saving energy, improving operations and the environment. Where required, our engineering

staff performs commissioning, technology review, and risk analysis. Practical recommendations are

offered with firm pricing that are ready for implementation.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

The Third Bottom Line is an improved natural environment — lower carbon footprint, cleaner air and water. Increasing numbers of customers expect a commitment to sustainability... and often vote with their feet.

High ROI energy upgrades have been returning a Triple Bottom Line to astute banking enterprises.Hidden and permanent savings can be captured from bank buildings. Energy experts at Lime Energy can provide case studies and discuss the most important case of all: your organization and building portfolio.

A cquisitions and routine business challenges can tax the banker’s bottom line. Add a global recession and the costs of Federal Reserve Board regulations and net earnings become more elusive. No crystal ball can prepare us for the next surprise. Yet bankers can aggressively improve management of assets they control — recovering hidden, permanent savings in bank buildings is a sure way of adding to The First Bottom Line.

The Second Bottom Line is more comfort and produc-tivity in bank environments: branches, administration buildings and data centers. More satisfied employees and customers.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

High efficiency lighting usually offers the highest ROI and is typi-cally the first upgrade performed. All bank branch requirements for lighting are carefully considered rather than making a simple replacement with more efficient technology. Even ATM lighting is studied for optimal 24 / 7 safety, compliance and ongoing, reliable maintenance. Site evaluation, design, and implementation from one provider can save time and return recovered dollars sooner.

Introducing the Triple Bottom Line

HVAC/MechanicalHidden savings are available in better design

and operation of ventilation fans, air condition-ing and heating equipment, pumps, and process machinery. Opportunities to save are developed

through evaluation, design, installation and commissioning of the best solution for the situ-ation. These complex systems must be properly analyzed, monitored and maintained to realize

the maximum savings.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

In 2010 USA TODAY reported “Banks smarten up branches to woo customers… who are still more at ease making major decisions in person.” Personal touch, warm service and local decision making remain important to customers. People still want to come in and talk and real buildings make it possible.

More than half of major banks expect to maintain or add to their branch networks. Brick and mortar will never go away; so how can banks efficiently manage their branch infrastructure portfolio? Intelligent energy analysis, upgrades and monitoring are all part of the formula.

Bank buildings are a major component of corporate identity. Every bank sign, exterior and interior can convey brand message, history, quality and trust. Retail customers expect a safe, clean, appealing environment — professional energy upgrades can improve lighting, air comfort, visual appeal and enhance customer — banker visits and communication.

WeatherizationBank building envelopes provide opportunities

to avoid energy waste by separating the building interior from outdoor conditions. Energy costs

are saved by evaluating and installing the appropriate levels of insulation and sealing exposed penetrations to the outside. Quality

window film and roof protection are other opportunities to protect and save.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

WaterComplete solutions are offered for saving water

and the energy associated with pumping, heating, and treating. We can evaluate current water use and design solutions for your building portfolio.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

RenewablesAfter reducing consumption through

energy efficiency, Lime Energy can provide the engineering, design, implementation, ownership, management and operation of

renewable energy. These include solar, wind, biomass and other on-site generation assets.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

ControlsThe use of optimized controls for lighting,

and heating, cooling and ventilation (HVAC) equipment ensures the highest savings are

achieved and endure over time. Lime Energy solutions can include real-time communication

and continuous commissioning to ensure energy is not being wasted today or into the future.

Our systems allow you to have visibility of bank building operations and control energy costs

from anywhere in the world.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

It’s impossible to effectively manage what can’t be measured. Lime Energy’s bank building analytics and software partnerships make precise measurement possible for building energy, maintenance and carbon footprint management.

Leading energy efficiency software allows banks to measure, manage and save. With a user-friendly web interface — and no software to install or maintain — getting started is easy. Lime Energy does the start-up work for you: building and meter set-up, quality audit of historical utility bills, connection to weather data and carbon emission tracking setup. The software tracks and reports consumption, costs, and carbon footprint from electricity, natural gas, wastewater, solid waste, recycling, vehicle fuel and any other resource that can benefit from accurate record keeping and trend analysis. Valuable reports compare current consumption to past history in order to identify trends and document changes. Clients find this software to be an easy and convenient tool for analyzing energy consumption, setting energy upgrade priorities, and improving the environment.

Lime Energy stays with banks over time to assist in staying on top of the energy and maintenance spend of building portfolios. Maximum savings always start with precise measurements and diagnosis, which are part of a professional energy engineering audit.

Precise Measurement Provides Maximum

Savings

Brick and Mortar Here to Stay

INTELLIGENT ENERGY MANAGEMENTPERMANENTLY LOWERS COSTS,

ENHANCES CUSTOMER EXPERIENCE & CORPORATE IDENTITY

How? An energy audit followed by a detailed energy plan. A prioritized list of your bank’s most inefficient facilities will rank the buildings that provide the best payback opportuni-ty. An expert analysis reveals present energy costs, energy and cost reduction opportunities, projection of carbon footprint reduction, available utility company rebates, tax treatment, and the cost to implement an energy upgrade.

An Efficient Enterprise analysis can list the bank’s facilities from worst to best (kWh/square foot basis) and establish realistic estimates for: kWh saved, dollars saved, installed cost, utility incentives, return on investment, and environmental impact. All states, branches, administration buildings and data centers present a complete enterprise-wide opportunity to save. When complete energy upgrade service — including site evalua-tion, design and implementation — are all delivered from one pro-vider, banks save time and enjoy a faster financial return. Banks that attempt to self-perform energy upgrades usually substantially compromise ROI. Banks that do not perform energy upgrades when they are needed, pass up a remarkable savings opportunity.

ENERGY STAR certification can be obtained and a plaque placed in every branch — many customers appreciate your efficiency and sustainability recognition.

Rooftop to Foundation Savings in Each and

Every Branch

A traditional measure for bank productivity, the efficiency ratio — the cost required to generate a dollar of revenue — can be improved by lowering energy and operating costs. The cost-to-income ratio — operating costs of business relative to net interest income — can be lowered with high ROI energy upgrades.

A McKinsey study of 7,000 non-financial public firms foundthat the US market’s median Return on Invested Capital(ROIC) from 1963 to 2004, excluding goodwill, averagednearly 10 percent. During the 2006 – 2010 period, ROIC forthe nation’s largest banks averaged less than 5 percent.

Lime Energy has delivered energy upgrades producing a 20 – 40% ROI for over 5,500 bank buildings in 46 states. The high ROI goes beyond dollars. Quality energy upgrades yield more comfort and productivity in work and common spaces — more satisfied employees and customers. And more pure air — indoors and outdoors.

Lime Energy’s technology and brand agnostic approach allows bank clients to get the facts and options on how to permanently lower energy-related costs for all bank buildings. To learn more about The Triple Bottom Line visit Lime–Energy.com or call your Lime Energy expert today.

Extraordinary Returns By Any Measure

40 Cents to 1 Dollarper square foot

40 Cents to 1 Dollarper square foot

VERIFIABLE ANNUAL ROI FOR OVER 5,500 BRANCHES

TYPICAL ANNUAL SAVINGSFROM BANKS IN 46 STATES

Page 8: Lime Energy Banking Brochure

Energy EngineeringLime Energy’s experienced energy engineers

perform energy modeling, conduct on-site analysis and present recommendations for

saving energy, improving operations and the environment. Where required, our engineering

staff performs commissioning, technology review, and risk analysis. Practical recommendations are

offered with firm pricing that are ready for implementation.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

The Third Bottom Line is an improved natural environment — lower carbon footprint, cleaner air and water. Increasing numbers of customers expect a commitment to sustainability... and often vote with their feet.

High ROI energy upgrades have been returning a Triple Bottom Line to astute banking enterprises.Hidden and permanent savings can be captured from bank buildings. Energy experts at Lime Energy can provide case studies and discuss the most important case of all: your organization and building portfolio.

A cquisitions and routine business challenges can tax the banker’s bottom line. Add a global recession and the costs of Federal Reserve Board regulations and net earnings become more elusive. No crystal ball can prepare us for the next surprise. Yet bankers can aggressively improve management of assets they control — recovering hidden, permanent savings in bank buildings is a sure way of adding to The First Bottom Line.

The Second Bottom Line is more comfort and produc-tivity in bank environments: branches, administration buildings and data centers. More satisfied employees and customers.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

High efficiency lighting usually offers the highest ROI and is typi-cally the first upgrade performed. All bank branch requirements for lighting are carefully considered rather than making a simple replacement with more efficient technology. Even ATM lighting is studied for optimal 24 / 7 safety, compliance and ongoing, reliable maintenance. Site evaluation, design, and implementation from one provider can save time and return recovered dollars sooner.

Introducing the Triple Bottom Line

HVAC/MechanicalHidden savings are available in better design

and operation of ventilation fans, air condition-ing and heating equipment, pumps, and process machinery. Opportunities to save are developed

through evaluation, design, installation and commissioning of the best solution for the situ-ation. These complex systems must be properly analyzed, monitored and maintained to realize

the maximum savings.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

In 2010 USA TODAY reported “Banks smarten up branches to woo customers… who are still more at ease making major decisions in person.” Personal touch, warm service and local decision making remain important to customers. People still want to come in and talk and real buildings make it possible.

More than half of major banks expect to maintain or add to their branch networks. Brick and mortar will never go away; so how can banks efficiently manage their branch infrastructure portfolio? Intelligent energy analysis, upgrades and monitoring are all part of the formula.

Bank buildings are a major component of corporate identity. Every bank sign, exterior and interior can convey brand message, history, quality and trust. Retail customers expect a safe, clean, appealing environment — professional energy upgrades can improve lighting, air comfort, visual appeal and enhance customer — banker visits and communication.

WeatherizationBank building envelopes provide opportunities

to avoid energy waste by separating the building interior from outdoor conditions. Energy costs

are saved by evaluating and installing the appropriate levels of insulation and sealing exposed penetrations to the outside. Quality

window film and roof protection are other opportunities to protect and save.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

WaterComplete solutions are offered for saving water

and the energy associated with pumping, heating, and treating. We can evaluate current water use and design solutions for your building portfolio.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

RenewablesAfter reducing consumption through

energy efficiency, Lime Energy can provide the engineering, design, implementation, ownership, management and operation of

renewable energy. These include solar, wind, biomass and other on-site generation assets.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

ControlsThe use of optimized controls for lighting,

and heating, cooling and ventilation (HVAC) equipment ensures the highest savings are

achieved and endure over time. Lime Energy solutions can include real-time communication

and continuous commissioning to ensure energy is not being wasted today or into the future.

Our systems allow you to have visibility of bank building operations and control energy costs

from anywhere in the world.

ControlsHVAC/Mechanical

WeatherizationEnergy Engineering Water

Renewables

Lighting

It’s impossible to effectively manage what can’t be measured. Lime Energy’s bank building analytics and software partnerships make precise measurement possible for building energy, maintenance and carbon footprint management.

Leading energy efficiency software allows banks to measure, manage and save. With a user-friendly web interface — and no software to install or maintain — getting started is easy. Lime Energy does the start-up work for you: building and meter set-up, quality audit of historical utility bills, connection to weather data and carbon emission tracking setup. The software tracks and reports consumption, costs, and carbon footprint from electricity, natural gas, wastewater, solid waste, recycling, vehicle fuel and any other resource that can benefit from accurate record keeping and trend analysis. Valuable reports compare current consumption to past history in order to identify trends and document changes. Clients find this software to be an easy and convenient tool for analyzing energy consumption, setting energy upgrade priorities, and improving the environment.

Lime Energy stays with banks over time to assist in staying on top of the energy and maintenance spend of building portfolios. Maximum savings always start with precise measurements and diagnosis, which are part of a professional energy engineering audit.

Precise Measurement Provides Maximum

Savings

Brick and Mortar Here to Stay

INTELLIGENT ENERGY MANAGEMENTPERMANENTLY LOWERS COSTS,

ENHANCES CUSTOMER EXPERIENCE & CORPORATE IDENTITY

How? An energy audit followed by a detailed energy plan. A prioritized list of your bank’s most inefficient facilities will rank the buildings that provide the best payback opportuni-ty. An expert analysis reveals present energy costs, energy and cost reduction opportunities, projection of carbon footprint reduction, available utility company rebates, tax treatment, and the cost to implement an energy upgrade.

An Efficient Enterprise analysis can list the bank’s facilities from worst to best (kWh/square foot basis) and establish realistic estimates for: kWh saved, dollars saved, installed cost, utility incentives, return on investment, and environmental impact. All states, branches, administration buildings and data centers present a complete enterprise-wide opportunity to save. When complete energy upgrade service — including site evalua-tion, design and implementation — are all delivered from one pro-vider, banks save time and enjoy a faster financial return. Banks that attempt to self-perform energy upgrades usually substantially compromise ROI. Banks that do not perform energy upgrades when they are needed, pass up a remarkable savings opportunity.

ENERGY STAR certification can be obtained and a plaque placed in every branch — many customers appreciate your efficiency and sustainability recognition.

Rooftop to Foundation Savings in Each and

Every Branch

A traditional measure for bank productivity, the efficiency ratio — the cost required to generate a dollar of revenue — can be improved by lowering energy and operating costs. The cost-to-income ratio — operating costs of business relative to net interest income — can be lowered with high ROI energy upgrades.

A McKinsey study of 7,000 non-financial public firms foundthat the US market’s median Return on Invested Capital(ROIC) from 1963 to 2004, excluding goodwill, averagednearly 10 percent. During the 2006 – 2010 period, ROIC forthe nation’s largest banks averaged less than 5 percent.

Lime Energy has delivered energy upgrades producing a 20 – 40% ROI for over 5,500 bank buildings in 46 states. The high ROI goes beyond dollars. Quality energy upgrades yield more comfort and productivity in work and common spaces — more satisfied employees and customers. And more pure air — indoors and outdoors.

Lime Energy’s technology and brand agnostic approach allows bank clients to get the facts and options on how to permanently lower energy-related costs for all bank buildings. To learn more about The Triple Bottom Line visit Lime–Energy.com or call your Lime Energy expert today.

Extraordinary Returns By Any Measure

40 Cents to 1 Dollarper square foot

40 Cents to 1 Dollarper square foot

VERIFIABLE ANNUAL ROI FOR OVER 5,500 BRANCHES

TYPICAL ANNUAL SAVINGSFROM BANKS IN 46 STATES

Page 9: Lime Energy Banking Brochure

Bu alo, NY

Boston, MALee, MA

Charlotte, NC

Bethlehem, PA

Elk Grove Village, IL Woodbridge, NJ

Greensboro, NC

Salt Lake City, UT

Locust, NC

Bellevue, WA

New York, NYLong Island, NY

Dallas, TX

Austin, TX

Denver, CO

San Diego, CA

Aiea, HI

Emeryville, CASan Jose, CA

Glendora, CANorthridge, CA

Phoenix, AZ

LIME ENERGY

Lime Energy provides complete energy upgrade and renewable energy solutions for private and public sector clients. Projects benefit the environment, improve building spaces, and yield an exceptional annual return. The company has experience with over 2 billion square feet of building space in dozens of industries. Lime Energy is a NASDAQ company (LIME) with locations nationwide.

909.394.0230lime-energy.com

© 2011 by Lime Energy Co.

Understanding High ROI Energy Upgrades for Bank Buildings

Hidden Savings in Your Bank Buildings?

Is it Possible

to Capture