myEnergyLoan Presentation

Build Green. Buy Green. Save Green.Jeff Cole, CEO

myEnergyLoan LLCMay 13, 2010

What is myEnergyLoan?

The leading green real estate finance network. A green loan incentive & certification program.

The premier Energy Star Mortgage Partner.Network enablesPublic-Private Partnership.

The national standardfor green lending

Through local providerswhom we support on every single

myEnergyLoan

myEnergyLoan handles the local financing interface

Why a network?1. No national standard existed so we created one & MEL was born2. Public benefit funds needed way to set green loan incentive amounts3. Market needed early adopter lenders & brokers to serve growing

demand4. Lenders need price-advantaged green loans & a uniform way to sell

them5. Market needs public/private initiative for quality assurance & delivery

MEL established the lender network Energy Star Mortgage provides State Energy Office guidance; secures incentive dollars (ie:

Colorado). Energy Star relies on myEnergyLoan providers to execute incentive program Together, MEL & Energy Star Mortgage snap lenders into market and create gateway to Capital

Markets

6. State Energy Offices need lenders in place to match incentives

Local response to national demands

Benefits of being a myEnergyLoan Provider:

myEnergyLoan is a triple-bottom-line company and we lend that 3BL to our providers – demonstrates trustworthiness.

myEnergyLoan is a pending certified B Corporation. That means we are a private firm operating for public benefit.

Members of the network support the shift of capital toward natural capital used to finance the shift to sustainability.

myEnergyLoan Providers get first dibs on programs currently being developed by Fannie ($250) , Freddie, VA and HUD

Association w/ Energy Star, EcoBroker, NAR, USGBC, NAHB Green Building platform, EarthCraft House, BPI, NARI

An all-inclusive loan product overlay program that works fairly to provide client savings and loan officer volume.

Structured financing programs for renewable energy; E.C.O. LLC.

Commercial lending capabilities; Great splits with loan officers if/when we serve you.

Easy to use and easy to do green lending as a myEnergyLoan Provider / Energy Star Mortgage Partner.

One Industry – three markets

Purchase of Existing Green PropertyResidential Existing Home Construction & New Home Construction

Renewable Energy & Commercial Green Building

One network: 3 easy solutions

Solution #1: Incentive & Certification

myEnergyLoan Incentive Program – overlays any loan product – establishes incentive amount

1bps per 1% energy efficiency improvement = MEL EC

MEL EC paid by lender and sponsors when they exist

MEL EC is used as savings from closing costs or as discount points to buy down rate

Green loan certification by myEnergyLoan – File with title at County Level by title agent

Energy Audit, Contractor and Post Auditory Functions = “the energy side” handled by MEL & EPC

Solves the “how much incentive is warranted in this case” problem

Certified by MEL and Certified by Fair Mortgage Collaborative

MEL Efficiency Credit

Received at closing as closing cost credit

Can be used to buy down interest rate

Provided by Lender/Loan Officer

Can be matched by State Energy Offices or other sponsors

Builder incentives, other closing contributors

manufacturer incentives can be incorporated into total credit

When and How?

MEL Efficiency Credit

20bps to 100bps - Incentive based on building performance

How Much?

EXAMPLEAny Loan Product

Loan Amount $400,000

Beginning HERS Rating 150

Ending HERS Rating 100

% Efficiency Improvement 33%

# bps incentive 33 bps

MEL Efficiency Credit (MEL EC) $1,320

Savings: monthly energy savings $150 estimated

Savings: if applied as straight credit $1,320

Savings: if applied as discount pt. .125% rate adjustmentBased on 6% vs. 5.875%

30 year fixed rate loan at 80%$11,520 reduction in total payments

Solution #2: The EIM & EEM Program

New Construction & Purchase Mortgage

Energy Efficient Mortgage (EEM)

Greenovations & Weatherization Loans

Energy Improvement Mortgage (EIM)

Solves the “how do we do the EEM or EIM” problem

Benefits your myEnergyLoan EIM is providing to borrower:

LOWERS OPERATING COST OF THE HOME BY REDUCING ENERGY COST BY 30% TO 50%. MORTGAGE MAY BE SLIGHTLY HIGHER, BUT OPERATING COSTS ARE GREATLY REDUCED FOR A NET POSITIVE CASH FLOW, WHICH TRIGGERS THE QUALIFICATION.

INCREASED VALUE OF THE HOME dollar FOR dollar FOR IMPROVEMENTS MADE.

E.I. APPRIASAL VALUE $150,000 PLUS $10,000 ENERGY UPGRADE IMPROVEMENTS.

NEW VALUE WILL BE $160,000.

Upcoming Fannie Mae Credit of $250 per myEnergyLoan

Evaluate as EEM or EIM

Solution #3: Energy Star Mortgage Program

The myEnergyLoan provider network is a major part of the Energy Star Mortgage program.

myEnergyLoan providers are recognized as qualified Energy Star Mortgage Partners.

Together with the Energy Programs Consortium, the Fair Mortgage Collaborative and EIM LLC, myEnergyLoan serves the primary and secondary mortgage markets.

myEnergyLoan network expected to be the largest producer of Energy Star Mortgages which will receive Federal and State loan incentives.

Got to be in it to win it!

Natural Capital Conversion

What’s that?

Leading the National Conversation about:

Major Media Includes:

Wall Street Journal

New York Times

Secondary Marketing Magazine

MSNBC

Discovery Channel

Chicago Tribune

Atlanta Journal Constitution

GreenMoney Journal

Referral & Marketing Flyers with Consistent Messaging to Referral Sources

Opportunity to get it right

Harness the green value & reward consumer

myEnergyLoan Provides

51 million US households

“EIM”

Existing Housing

Reliable, easy, nimble& National

The myEnergyLoan network is

myEnergyLoan providersand consults with them on every deal

we remove the guesswork and keep it simple

myEnergyLoan certifies and trains

We make you look great!

most importantly…

We help grow your business

A net Financial Advantage

to your clients and to you

myEnergyLoan always provides

Local Marketing Plan Development & Consulting We “give you the Keys” to local green RE market E-mail me for presentation Q & A for 15 to 20 minutes

Contact Information Jeff Cole 404-771-2106

[email protected]

Get set up today. $149 per month