Special EnergyWorks Energy Efficiency Home Improvement Financing In Southeastern Pennsylvania

1. Special EnergyWorksEnergy EfficiencyHome Improvement Financing In Southeastern Pennsylvania Update 05/08/12

2. AFC First – A National Leader in Residential Energy Efficiency Lending and Programs • Contractor-driven, energy-related home improvement lending is our primary business. Founded in 1947, our complete focus since 1999 has been assisting high-quality contractors and motivated consumers to affordably install energy-related home improvements. • AFC First is one of only three Fannie Mae approved Energy Lenders in the U.S. and considered a national leader in this market. • National footprint with over 3,000 Approved Contractors, Manufacturer, Utility and State and Municipal Partners and Sponsors. • We operate the Green Energy Training Center & Academy for Home Performance, BPI and contractor sales training. • Creating new Green Energy Federal Credit Union for program expansion. • Named nation’sfirst private Home Performance with ENERGY STAR®sponsor by US DOE on October 1, 2011 (non-utility, state, municipal or non-profit). • Selected as one of 18 national FHA PowerSaverpilot lenders by HUD and DOE.

3. What is Keystone HELP®? • Principally supported statewide by the Pennsylvania Treasury, Department of Environmental Protection and Pennsylvania Housing Finance Agency and administered by AFC First Financial Corporation, a Home Performance with ENERGY STAR® Sponsor and energy efficiency lender. • Additional support for lower rates in Bucks, Chester, Delaware, Montgomery and Philadelphia counties by EnergyWorks, a Better Building program. • For work performed by a network of over 1,600 independent Pennsylvania contractors who have been approved to participate in Keystone HELP®. • Approved Contractors also have access to AFC First’s National EnergyLoan® financing program which can be used to finance most items that are not eligible under Keystone HELP®.

4. One of the Most Successful Energy Financing Programs in the Nation – A Great Sales Tool! • Over 10,000 and $70 million in unsecured loans • Over 1,000 and $20 million in secured loans • 85% for Single Measure (HVAC, Insulation, etc.) • 70% Approval Rate • 1.62% Cumulative Charge Off for Unsecured Loans Since Inception

5. What is True Fixed Rate™ Financing? Many home improvement financing options are finance-company-type programs with “promotional” or “teaser” interest rates for an introductory time which then revert to a very high rate if the loan balance is not paid off during the promotional period. These “credit card” types of financing also do not necessarily guarantee a fixed rate or payment for the loan term. Keystone HELP®is a True Fixed Rate,simple interest loan with longer terms and lower payments than typical bank or other types of unsecured home improvement financing. Since there is no penalty for pre-payment, the customer may pay it off or make additional principal payments at any time.

6. FACT: “Same as Cash” Buyers Would Likely Buy Anyway Low Monthly Payments Drive Increased Sales • A 2012 university research survey found that 81% of homeowners who completed energy upgrades would not have done so without affordable monthly payment financing! • Whether it’s heating, cooling, windows, insulation, “Whole House”or renewable energy, most homeowners want the best combination of affordability and efficiency. • Successful, top-notch contractors reinforce affordability by giving consumers a monthly payment option on every estimate. • A low monthly payment offset by likely energy savings removes the “Affordability Barrier”and drives the sales of higher efficiency improvements. “Can We Afford It?” Estimate

7. True Fixed Rate™ Financing Options for Pennsylvania Homeowners • Single Measure Installed Energy Improvements Most types of HVAC, Windows, Insulation, etc., can be financed using Keystone HELP®. • Special Programs for “Whole House” Energy Improvements – Home Performance with ENERGY STAR®through Keystone HELP®. • Special Programs for Geothermal Heat Pumps through Keystone HELP®. • Larger Loans (to $35,000 ) for Solar and Other Improvements through AFC First’sRenovate and Repair and FHA PowerSaver Programs.

8. Broad Credit Approval for Keystone HELP® Loans • Tier 1 to $15,000 • 680 FICO minimum • 50% Debt to Income Ratio • No Bankruptcy in the past 7 years • Tier 2 to $7,500 • 640 FICO minimum • 45% Debt to Income Ratio • No Bankruptcy in the past 5 years • Secured loan options (PowerSaver) to $35,000 • 620 FICO minimum • 45% Debt to Income Ratio • No Bankruptcy in the past 2 years

9. Who May Perform the Work? • Only Approved Contractors which have been vetted for financial and ethical stability and meet the standards of the AFC First Energy Program may perform the work. • Approved Contractors may also participate in any special state, utility or other programs which AFC First administers. • BPI Certification allows participation in Home Performance with ENERGY STAR®programs where available. • Minimum 3 years in business, history of financial stability and evidence of $50,000 net worth or compensating factors • Satisfactory company and personal credit histories • Satisfactory Better Business rating • Satisfactory customer and trade references • Overall reputation for a high level of service and workmanship

10. Who is Eligible for Keystone HELP®financing? • Pennsylvania homeowners who own and are making qualifying improvements to their 1 to 2 unit primary residence located in Pennsylvania are eligible. Good credit and the ability to repay are required. There is no minimum income limit. Some programs have a maximum income limit. • Special lower rates for homeowners in southeastern Pennsylvania supported By EnergyWorks!

11. May Consumers Combine Keystone HELP®Loans with Utility and Other Rebates? • Absolutely. Consumers may use all available rebates to reduce the price of the job and the amount of their Keystone HELP® loan. • Combining available rebates with Keystone HELP® monthly payments is the best way to present affordability to a consumer.

12. Pennsylvania Financing for single measure Installed Energy home ImprovementsHeating, Cooling, Insulation, Windows, Doors, etc.

13. Pennsylvania Qualifying SINGLE MEASURE INSTALLED ENERGY HOME IMPROVEMENTS

14. Pennsylvania Financing for “WHOLE HOUSE” ENERGY IMPROVEMENTSHEATING, COOLING, WINDOWS WITH BLOWER DOOR DIRECTED AIR SEALING & INSULATION HOME PERFORMANCE WITH ENERGY STAR®BY A BPI CONTRACTOR

15. Pennsylvania Financing for GEOTHERMAL HEAT PUMP SYSTEMS Closed Loop Geothermal Heat Pump Systems and all Related Work

16. Pennsylvania Financing for SOLAR & LARGER ENERGY IMPROVEMENTS SUNROOMS (HEATED), SOLAR PV & THERMAL, HEATING & COOLING, WINDOWS AFC FIRST’S RENOVATE & REPAIR ENERGYLOAN

17. Simple Consumer & Contractor-Friendly Loan Process (888) 232 -3477 afcfirst.com

18. Simple Forms and Process

19. Even for “Whole House” Home Performance with ENERGY STAR Loans!

20. Program Delivery • Accept Applications Online via program website • Through Integrated App on Contractor’s Website • Call Center and Toll- Free Numbers • Utility Links and Call Center Direction

21. AFC First also Administers Special Lower Rate State and Local Programs In Addition to the National EnergyLoan®

22. AFC First Keystone HELP® Contacts • Ken Yeager VP of Business Development • Andrew Greenspan Business Development Manager • Bob GroeglerBusiness Development Manager • Tessa Shin Director of Home Performance & Renovation Lending • Peter Krajsa Chairman and CEO • John Hayes President and COO • Julie Unger VP of Operations • Laura Nelson CFO • Susan Moring Marketing Manager • (888) 232 -3477 keystonehelp.comafcfirst.com