neifund.org

New and Improved with Instant Credit Pre-Screen!

Trusted, Guaranteed Payment No-Contractor-Fee Financing for Energy & Resilience Home Improvements

“Know Before You Go”Instant Customer Credit Pre-Screen

We Take Care of the Details

Fast Contractor Funding

• Credit pre-qualify your customer with just a name and address –know before you go!

• Won’t impact customer credit.

• Subject to final approval.

• Once credit-pre-screened, customer applies through contractor’s online NEIF Financing Gateway for final approval.

• Contractor uploads a picture or pdf of customer contract or proposal to their NEIF Contractor Portal as soon as possible.

• Our Energy Lending Specialists assist customers and contractors to expedite job funding.

• Electronic loan docs are sent directly to the customer upon final approval, typically as soon as the contractor’s proposal has been uploaded.

• Contractor can review the status of customer applications at any time by logging into their portal.

• Customer and contractor electronically sign off on job completion.

• NEIF funds contractors directly via ACH within 2 business days.

Offering trusted, guaranteed payment no-dealer-fee financing for energy home improvements is as easy as 1, 2, 3.

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• NEW – Instant Credit Pre-Screen with just name and address, does not require customer consent! Know if they meet minimum credit score standards before you visit the house. (Final approval based on actual app)

• The instant credit pre-screen is intended for use with NEIF EnergyPlus Loan and not for loan products from other lenders. It is the mutual understanding between NEIF and our Approved Contractors that if an applicant successfully passes the pre-screen that they will be first offered the EnergyPlus Loan monthly payment option from NEIF, and only offered credit from other lenders if they do not qualify through NEIF. Contractor usage of the pre-screen tool is at the discretion of NEIF.

New “Know Before You Go” EnergyPlus Loan Instant Credit Pre-Screen

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• Each contractor has a unique Pre-Screen URL that goes directly to your custom EnergyPlus Loan application. • For convenience, bookmark it on your Computer, Phone or Tablet.

• You can find (and copy) your custom Pre-Screen link from the Announcement section of the contractor portal.• Questions, please contact your Business Development Director (Randy Bak

or Greg Burns) or the NEIF Contractor team at contractors@neifund.org

New “Know Before Your Go” EnergyPlus Instant Credit Pre-Screen

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New “Know Before You Go” EnergyPlus Loan Instant Credit Pre-Screen

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New “Know Before You Go” EnergyPlus Instant Credit Pre-Screen

You will receive instant Pre-Screen Feedback

• If the customer is pre-qualified you will see notification of the rate and maximum loan amount they qualify for and a link to apply for final approval

• If the customer is not prequalified you will see a message to that effect and know to consider a financing source other than NEIF.

• Some customers have locks on their credit which may prevent us from doing a credit pre-screen. You will see the message: “Insufficient information to Pre-qualify. Please have the customer apply to NEIF for further consideration.”

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GUARANTEED MONTHLY PAYMENT

BUYER

CREDIT CHALLENGED

BUYER

PROMO/ STANDARD

DEALER FINANCING

BUYER

CASH/CREDIT CARD BUYER

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Today’s consumers are looking for affordability, trust and piece of mind

More than ever, consumers are looking for stability and integrity from their contractor and their financing partner.

The reliable “steak” not the promotional “sizzle”.

NEIF focuses on low, guaranteed monthly payment financing (vs. "promotional" programs). Our transparent, fixed rate and terms are more like auto financing than credit cards.

Because there are no dealer fees, you can offer affordable low payment options for your best price and bundle in add-ons with no cost to you.

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NEIF provides trusted financing for all makes and models of energy & resilience improvements, both residential and commercial

Home Improvements• Heating & Cooling, (all fuels and all related work)• Generators, Air Purification• Roofing, Siding & Insulation• Windows & Doors• Home Performance with ENERGYSTAR• Electrical, Lighting, EV Charing & Automation• Plumbing, Kitchens & Baths• Solar, Geothermal & Storage

Commercial, Multi-Family & Non-Profit Improvements• HVAC, Refrigeration, Air Purification• Electrical, Lighting, EV Charging & Automation• Solar & Storage

Contractor Advance Funding for Rebates

Currently available in:ME, NH, VT, RI, MA, CT, NY, NJ, PA, WV, OH, MD, DE, DC, VA, NC, SC, GA, AL, LA, FL, CA Coming soon:TX, IL

Available in all states

Available in all states, subject to program participation

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• Your password-protected Contractor Portal is where you can see loan status, track your pipeline, upload documents and communicate directly with our Energy Lending Specialists.

You can track your deals in your Contractor Portal with access directly from your Financing Gateway

Example Cooling & Heating Contractor

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ApprovedDocs Issued

Loan documents have been sent to Customer for e-signature. Most Contractors will begin work at this point knowing that they have their own signed contract with the Customer and a fully approved method of payment.

ApprovedDocs Received

Loan documents have been received from Customer, and the Completion Certificate has been sent for e-signature to both Customer and Contractor. Some Contractors choose to wait to this phase before beginning work.

Funded The Completion Certificate, e-signed by Customer and Contractor has been received, and payment has been issued to Contractor.

ApprovedApplication

Credit qualified, in underwriting for review of qualifying property type etc.

ApprovedApproved

Approved, waiting for Contractor to submit Customer Contract/Estimate.

Pre-Approved Credit qualified but requires income verification (Tier 2) or for loan amount greater than $25,000.

Under Review The application needs additional review to determine eligibility.

Denied The Customer has been declined and the file is closed.

GOOD TO GO!

ALMOST THERE

NO GO

Your Contractor Portal shows the exact status/phase of every deal in process

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Special features include:

• NO CONTRACTOR OR DEALER FEES• 100% Financing • True Fixed Rate, Fixed Monthly Payment• 3, 5, or 10 Year Terms• NO adjustable rate, "teasers" or surprises• NO lien on the home, NO home equity required• NO customer points, fees or closing costs• NO penalty for pre-payment or to pay extra

each month to pay off faster• Instant Credit Decision• Easy Paperless Process• Contractor paid within 2 business days from completion• Supported by NEIF's Energy Lending Specialists

Low Fixed Monthly Payments

$2,500 $33

$5,000 $66

$7,500 $99

$10,000 $132

$15,000 $198

$20,000 $264

$25,000 $330

$30,000 $364

$35,000 $424

All loans are made directly to the consumer by National Energy Improvement Fund, LLC. Fixed interest rates range from 7.99% to 12.99% APR and maximum loan amount is based on customer credit. Above payments based on 120 months, 9.99% APR for

loans $25,000 or less, 7.99% APR for loans greater than $25,000.

A fair, fixed, low payment alternative or complement to standard financing programs.

EnergyPlus Loan Financing Overview

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Tier 1 Tier 2

Fixed Rate to Customer 7.99% 8.99% 9.99% 12.99%

Contractor/Dealer Fee NO COST TO CONTRACTOR

Credit Qualificationbased on lower of applicant and co-applicant credit score. DTI <=50%., 42% for loans > $25,000. No BK in last 5 years

720 Plus 700-719 680-699 640-679

Loan Amount $2,500 to $35,000 $2,500 to $20,000 $2,500 to $15,000 $2,500 to $10,000

Terms3, 5 or 10 Year

Simple interest, fixed rate, unsecured installment loan with a locked in rate for full term. The customer may pay the loan off or pay additional principal at any time without penalty.

Income Verification Stated, No verification of primary income*Secondary income, if any, is subject to verification. *Income verification may be required for Tier 2.

Qualifying PropertiesPrimary residence or vacation home

1 to 4 unit on permanent foundation. Unsecured, no lien is placed on the property or the improvement. Financing for multi-family, commercial and industrial projects available through NEIF Commercial Energy Finance

Qualifying ImprovementsWork must be performed by a NEIF-Approved Contractor

All makes and models of most installed products and services that improve a home’s energy efficiency, resilience or comfort.

Heating & Cooling, Roofing, Siding & Insulation, Windows & Doors, Electrical & Plumbing, Generators, Lighting & Renewables.

7.99% 3, 5 or 10 Year Fixed Rate Financing. No Cost to Contractor. No Dealer Fees.Backed by the National Energy Improvement Fund, the nation’s only B-Corp certified and U.S. DOE Home Improvement Expert improvement lender

Home Improvement Rates, Terms & Guidelines

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What’s the cost of “dealer fees” to your bottom line?

Many lenders charge “dealer” and/or rate buydown fees. It is illegal for contractors to add these fees to an individual proposal (it is termed an “undisclosed finance charge”). Even if the contractor or a third party like a manufacturer is absorbing these fees it still can increase the cost to the consumer and reduce a contractor’s profitability –somebody has to pay for it.

NEIF charges no dealer fees, allowing the contractor to offer the customer their best price with a fair low monthly payment option to the consumer.

Annual Financed Volume

Lender “A” 3% Dealer Fees

Lender “B” 6% Dealer Fee

Lender “C” 12% Dealer Fee

NEIF -NO DEALER FEE

$250,000 $7,500 $15,000 $30,000 $0

$500,000 $15,000 $30,000 $60,000 $0

$1,000,000 $30,000 $60,000 $120,000 $0

$2,000,000 $60,000 $120,000 $240,000 $0

Comparison of Annual Cost to Contractor for Lender “Dealer Fees”

N E I F U N D . O R G

Peter KrajsaCo-Chair and Founderpkrajsa@neifund.org(610) 737-4977

Laura NelsonChief Operating Officerlnelson@neifund.org(484) 838-5469

Tessa ShinVice President, Lending & Programstshin@neifund.org(484) 838-5471

Heather BraithwaiteVice President, Commercial Financehbraithwaite@neifund.org(303) 704-5057

Teri StoffeyVice President, Accounting & Servicingtstoffey@neifund.org(484) 838-5473

Matthew BrownCo-Chair and Foundermbrown@neifund.org(720) 246-8847

BUSINESS DEVELOPMENT TEAM

Randy Bak Senior Director, Business Developmentrbak@neifund.org(978) 766-7348

Greg BurnsDirector, Business Developmentgburns@neifund.org(207) 451-5012

Brittany HellerBusiness Development Specialistbheller@neifund.org(484) 838-5487

Jensen HandworkCommercial Business Development Specialistjhandwork@neifund.org(720) 689-2288

A committed, expert team

National Energy Improvement Fund, LLC Allentown PA • Denver, CO (484) 838-5460

Led by energy financing pioneers Peter Krajsa and Matthew Brown and a team responsible for over $800 million in innovative energy financing.

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