presentation given to branch managers of Waterston Mortgage May 13, 2010.

1. Build Green. Buy Green. Save Green. Jeff Cole, CEO myEnergyLoan LLC May 13, 2010

2. 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 standard for green lending

3. Through local providers myEnergyLoan handles the local financing interface whom we support on every single myEnergyLoan

5. Energy Star Mortgage provides State Energy Office guidance; secures incentive dollars (ie: Colorado).

6. Energy Star relies on myEnergyLoan providers to execute incentive program

7. Together, MEL & Energy Star Mortgage snap lenders into market and create gateway to Capital MarketsState Energy Offices need lenders in place to match incentives Local response to national demands

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

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

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

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

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

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

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

17. One network: 3 easy solutions

18. 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

19. MEL Efficiency Credit When and How? 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

20. MEL Efficiency Credit How Much? 20bps to 100bps - Incentive based on building performance

21. EXAMPLE

22. 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

24. NEW VALUE WILL BE $160,000. Upcoming Fannie Mae Credit of $250 per myEnergyLoan

25. 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!

26. Natural Capital Conversion Leading the National Conversation about: What’s that?

27. Major Media Includes: Wall Street Journal New York Times Secondary Marketing Magazine MSNBC Discovery Channel Chicago Tribune Atlanta Journal Constitution GreenMoney Journal

28. Referral & Marketing Flyers with Consistent Messaging to Referral Sources

29. Opportunity to get it right myEnergyLoan Provides Harness the green value & reward consumer

30. 51 million US households Existing Housing “EIM”

31. The myEnergyLoan network is Reliable, easy, nimble& National

32. myEnergyLoan providers myEnergyLoan certifies and trains and consults with them on every deal we remove the guesswork and keep it simple

33. We make you look great! We help grow your business most importantly…

34. A net Financial Advantage myEnergyLoan always provides to your clients and to you

36. We “give you the Keys” to local green RE market

37. E-mail me for presentation

38. Q & A for 15 to 20 minutesContact Information Jeff Cole 404-771-2106 jcole@myenergyloan.com