n today's economy, it's tough for homeowners to find financing for their energy efficiency and renewable energy upgrades. This free workshop introduces a wide variety of residential clean energy financing products for energy efficiency, solar PV and solar thermal installations. We will also cover current clean energy rebates that also help bring down project and financing costs, improve the customer's ROI and increase the chance for contractor sales. Don't miss this opportunity to ask questions and talk with representatives from financial institutions over a networking lunch. Breakfast will also be provided. Space is limited, so register soon! Who Should Attend? Contractors working in the clean energy industry including: Home Performance Contactors Energy Advisors HVAC Contractors Insulation Contractors BPI Certified Professionals Solar Contractors Solar Integrators

1. Home Improvement Financing
through PowerSaver
Speaker: Thorne Butler
Director, Public and Private Partnerships
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2. Communication and Collaboration
 Federal Agencies — D.O.E., HUD, and FHA
 State Governments — Home Performance, Upgrade
California
 Nonprofits — CISE, CleanTECH
 Utility Companies — San Diego Gas & Electric
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3. W.J. Bradley Mortgage Capital Corp. History
 Established in 2003
 Operates in 22 states
 More than 80 branches
 Growth primarily through acquisition
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4. W.J. Bradley Mortgage Capital Corp.
W.J. Bradley currently represents 12
% of the San Diego County market
5080 Shoreham Place 16885 W. Bernardo Drive
Suites 100, 102, 103, 103A, 105 Suite 350
San Diego, CA 92122 San Diego, CA 92127
Phone: 858-952-0316 Phone: 858-217-5757
12275 El Camino Real 11455 El Camino Real
Suite #100 Suite 300-2
San Diego, CA 92130 San Diego, CA 92130
Phone: 858-345-4700 Phone: 858-345-4380
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5. PowerSaver Program Details
 Two-year pilot program
 Specifically designed for Energy related upgrades
 Introduced under Title I Guidelines
 90% insured by FHA
 No contractor-dealers
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6. PowerSaver Program Requirements
 $25,000 Maximum Loan Amount
 $7,500 Minimum Loan Amount
 15 Year Amortization
 Minimum 660 FICO Score
 100% CLTV
 First Disbursement 50% at Work Commencement
 Second Disbursement 50% at Work Completion
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7. Company Vision
 To take a leadership position in the energy-related
lending business
 Create synergy among the varied components that make up
the renewable and efficiency business cycle
 Provide the necessary information to validate expenditures
 Assemble the information and present it in a simple format
 Give a homeowner the tools to make a decision based on
financial and comfort considerations
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8. PowerSaver — Operations
Application through Funding process emphasizes
speed and simplicity
 In the testing stages of a dedicated website:
powersaver.wjbradley.com.
 Website will pre-qualify/disqualify applicant
 Automated call triggered at credit
 Dedicated Loan Officer will walk customer through process
and schedule an appraisal/audit
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17. Home Performance Appraisal (HPA)
 PowerSaver requires an appraisal
 WJB will conduct an audit and appraisal (HPA)
 Report will be available to contractor
 Audit will fulfill requirements of applicable state or
federal rebate programs
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18. Home Performance Appraisal (HPA)
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19. Contractor Services
 Contractors will be pre-approved
 A coordinator will assist the customer
 Contractor Kits will support the ‘kitchen table” close
 Deal flow will be bidirectional
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20. Why WJB?
 One of only a handful of lenders selected to participate
 Industry-leading turn times
 Cutting-edge technology to track loans
 Dedicated customer service
 Recommendations of approved contractors
 Fast contractor approval
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21. Contractor Approval
SONTI BURNETT
Contractor Account Services
W.J. Bradley Mortgage Capital Corp.
Email: sonti.burnett@wjbradley.com
Phone 801-699-2048
Direct 801-285-9427
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22. Questions?
THORNE BUTLER
Director, Public & Private Partnerships
W.J. Bradley Mortgage Capital Corp.
Email: thorne.butler@wjbradley.com
Phone: 435-729-0348
Direct: 801-590-3853
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