1. Solarizing the Southern Tier (607) 873-9220 SouthernTierSolarWorks.org BRSC

2. BINGHAMTON REGIONAL SUSTAINABILITY COALITION The Binghamton Regional Sustainability Coalition (BRSC) is a 501 c 3 not for profit grassroots community organization dedicated to building regional prosperity and resilience together with our community partners Southern Tier Solar Works (STSW), a program of BRSC, is part of RenewableNY's effort to help New York State transition to a clean energy future.

3. BRSC and STSW RenewableNY is a partnership including BRSC and Catskill Mountainkeeper, and is supported by the New York State Energy Research and Development Authority (NYSERDA) under Governor Andrew M. Cuomo's NY-Sun initiative and Community Solar. NY-Sun will invest up to $1 billion in solar power through 2023 to expand solar installations statewide and help New York’s solar industry become self- sustaining. STSW harnesses financing from Green Jobs – Green NY (GJGNY), a NYSERDA program that provides funding for energy assessments, low- cost financing for energy upgrades, and technical and financial support. GJGNY enables New Yorkers to undertake significant energy improvements in homes, businesses and neighborhoods, making them more affordable, comfortable, and sustainable. GJGNY is working through Constituency-Based Organizations (CBOs) like BRSC to bring the benefits of energy efficiency to entire neighborhoods, including residents, small businesses, and not-for-profits

4. Southern Tier Solar Works is a program of the Binghamton Regional Sustainability Coalition Collaborate with community partners regionally and statewide to engage with stakeholders to make New York’s Energy System the cleanest and most resilient in the U.S. Promote affordable energy efficiency and renewable energy improvements –Save energy dollars –Create good local jobs –Boost the local economy –Increase health and safety –Reduce climate change Connect building owners with financing, certified contractors, and provide cradle to completion project support

5. Southern Tier Solar Works is a program of the Binghamton Regional Sustainability Coalition GOAL 1: Bring the regional clean energy market to scale, creating local economic, employment and environmental benefits. –Solarize and Energy Efficiency In 2014, STSW doubled residential systems from 2013 in Broome & Tioga 2015 STSW campaign – Broome, Tioga, Chenango, Delaware and Otsego. To date: ~100 households have deployed ~1mw with STSW Goal: double existing residential total pv in the region

6. Southern Tier Solar Works is a program of the Binghamton Regional Sustainability Coalition GOAL 2: Clean energy education and careers. –SUNY Best Clean Energy Series. collaboration with Senior energy leaders from NYSERDA, NYPA and the Governors office presenting a wide range of programs Leaders from universities, municipalities, companies and organizations presented best practices. –Create clean energy workforce pathway K-solar schools curriculum and professional development Workforce & education partnerships Energy Corps Internships

7. Southern Tier Solar Works is a program of the Binghamton Regional Sustainability Coalition What is Solarize and how does it work? 1. Community volunteers & staffed non-profit organization organize community education campaigns 2 Competitively Selected, Certified Contractors 3. Below market rates with bulk purchase, single assessment, streamlined process. 4. Deadline to enroll and sign a contract (fall dates TBA)

8. PROGRAM Southern Tier Solar Works Financing Energy Efficiency

9. Why Energy Efficiency?

10. Energy Savings Boost the Local Economy

11. Why Energy Efficiency? ✓ Improves health, safety and comfort of our homes Improves air quality Addresses moisture problems Regulates indoor temperatures Enhances home ventilation Improves safety of combustion systems

12. Greatly reduce our dependence on fossil fuels and help transition to cleaner forms of energy

14. A detailed Energy analysis to establish: 1)Combustion appliance Safety and Efficiency 2)Comfort, Health and Safety Levels 3)Whole House Air Infiltration Rates 4)Building Envelope Insulation Inspection 5)Fuel Consumption Analysis 6)Electrical Appliances Assessment 7)Addresses Adequate Mechanical Ventilation Comprehensive Home Assessment

15. Combustion Health and Safety Testing

16. Checking Insulation Levels

17. Ventilation

18. Finding Leaks Blower Door

19. Property Eligibility 1-4 unit residential properties; primary residence and/or rental property Any heating fuel type (Electric, gas, oil, propane…) Structure must be in New York State

20. 1.Give us your contact information and complete the Home Energy Assessment section on our enrollment form (you must be the property owner, or ask your landlord complete the form). Check the appropriate household income box Residential building type (number of units, 1-4) Do you have central AC? 2. Receive your “Reservation Number” within days. 3. Contact a BPI certified home performance contractor from the approved list provided (these are different than the solar contractors) How to Apply

21. GJGNY Median Family Income for 2015: Broome and Tioga Counties (Other counties see income chart on HPwES Household income guidelines) Median $62,900≤ $125,800 ≤$154,500 ≤$188,700≤$220,150 ≤$251,600 Single Unit Audit; ≤ 3,500 SF Free $50 $100$150$200 2 - 4 Units Audit; Single Unit ≥ 3,500 SF Free $80$160$240$320 Free or Reduced Cost Assessment

22. Schedule your energy assessment Review your energy report Choose Improvements Apply for financing and grants Get your work done, now! I applied…what’s next?

23. Southern Tier Solar Works BRSC

24. ●Historically low price ●State and Federal incentives are at an all-time high ●Both state and Federal incentives are on the way down Why go solar NOW?

25. Solar Industry jobs are growing 20x faster than overall U.S. Economy

26. The Big Picture PROTECT our air, water, and food supply. REDUCE carbon emissions that lead to climate change.

27. The SOLAR Resource YEARLY solar energy supply (5 billion years left!) FOREVER supply of fossil fuel Yearly World Energy Consumption

29. 30 Years of Solar Data The Southern Tier gets 73% of the amount of sun that San Diego gets NREL.gov: 30 year average of kWh/m^2 per year San Diego, CA………..…..2044 kWh/m^2/year Binghamton, NY…………..1496 kWh/m^2/year Seattle, WA……………......1387 kWh/m^2/year Sunniest City in Germany...1250 kWh/m^2/year

30. Wide-Spread Use of Solar Power is Possible 0.07% of land area covered with solar cells would power the entire planet

31. Two Ways to Use Solar Energy Solar Electricity is made with “photovoltaic” (PV) panels. Solar hot water collectors are boxes with copper tubing, aluminum frame and glass cover Solar Electric System Solar Hot Water Heater

32. Photovoltaic modules switch inverter PV modules are made into “solar arrays” or solar electric systems.

34. Is solar energy for me? Do you have roof space facing south? If not, do you have yard space for ground-mounted panels? Is your sunny roof space unobstructed by trees or buildings most of the day? Is your current electric bill higher than you’d like? An East or West facing roof will work if the slope is less than 30 degrees Our primary concern is that shading is minimal

35. Send us your electric bill (all pages) showing yearly use graph

36. Where Do I Put my Solar Panels? Pole-Top Roof-mount in Binghamton, NY (makes 4500 kWh per year) Roof-mount Ground-Mount

37. Southern Tier Solar Works: Making Solar Power Simple 1. Get Educated (attend a workshop, visit the website) 2. Sign up (at workshop, on web-site, call STSW!) 3. Get Others to Join (talk to your friends and neighbors) 4. Free Solar Site Evaluation (by an installer partner) 5. Sign Contract (Easy financing or leasing available!) 6. Get Your System Installed (3-6 months start to finish).

38. Example for illustration only Cost will vary by system size, panel type and adders If you want a 7 kilowatt system $23,100 Cost at $3.30/W = $3.30 x 7000 W -$3,500 NYSERDA incentive ($.50/W) $19,600 Amount to pay or finance -$5,880 Federal Tax Credit* (30%)Expires 12/31/2016 -$4,900 State Tax Credit* (25% up to 5k) $8,820 *Ask a tax professional or your accountant to make sure you qualify for the tax credits. Selected Options and Adders Ground-mounts: +$0.25-1.40/Watt Made in USA PV: + $0.15-0.30/W High efficiency PV: $0.25 - $1.12/W

39. Financing News Flash – You do NOT need a lot of money to start going solar.

40. The Process (example) Your chosen contractor gets preliminary information, does the site assessment and gives you a quote. Upon your approval, the installer will arrange to lock in your NYSERDA incentive, and will do what follows: recommend the financing product they think will work best for you. Credit check and loan or lease paperwork is done. processes the NYSERDA, interconnection and permitting paperwork. Then the installation is done and you have been solarized!

41. 1.Purchase: Loans up to 20 years Banks NYSERDA (15 years) 1.20 year lease SunPower Financing Options

42. Financing GJGNY loans encourage home energy upgrades: ● Low->No down-payments ● Loan amounts range from $3,000-$25,000 (from $1,500 for lower income households) ● Fixed rate unsecured loan terms available: 5, 10 or 15 years

43. Loan Qualifications Both loans have the same general qualifying criteria: A satisfactory credit score (alternatively, a demonstrated history of satisfactory energy bill and mortgage payment) Acceptable levels of income relative to outstanding debt obligations No bankruptcies, foreclosures, or repossession within the past 2 years No outstanding liens or judgments in excess of $2500

44. Loan example On Bill Recovery 3.49% interest Loan paid through on monthly utility bill and stays with the home Available for customers of major utilities Rigorous payback criteria will exclude some projects Energy Smart loan Up to 3.99% interest or 3.49% on autopay

45. Leasing Terms vary by installer, system size, location among other variables. Typically 20-year agreements with 0 upfront and monthly lease payments. Prepayment is an option. This doesn’t effect your credit rating. Even if you cannot take the federal tax credit you get its effective value. System performance is guaranteed, and installer is responsible for maintenance. You don’t own it. If you sell your house the lease is transferrable if the buyer agrees.

46. Sunpower Lease Example (Taitem/ETM) 20 year lease 25 year product and production warrantee high efficiency, high production per area $0 down (down-payments reduce overall cost).

47. Southern Tier Solar Works is here to help you go solar! info@SouthernTierSolarWorks.org www.SouthernTierSolarWorks.org facebook.com/STSWNY Phone: (607) 873-9220

48. The following slides are for showing if needed for Q&A

49. Snow Yes, Snow shuts down your solar array (blocks light) BUT Your system will be sized larger to take this into account There is very little sun in the winter to miss out on. December = 5% of yearly sun January = 5% of yearly sun February = 6% of yearly sun So if you have snow sitting for 3 weeks, you are missing very little production! Stay off your roof in the winter.

50. Leasing terms vary by installer, size and location Even if you cannot take the federal tax credit, you still get its effective value Our Installer does all the system maintenance The system performance is guaranteed If you sell your house, the lease is transferable.

51. Grant Assisted Home Performance with Energy Star Eligibility is dependent on household income and size. For a single-family home, grants are available to cover 50% of total costs, up to $5,000. County1 person2 person4 person Broome/ Tioga $34,267$44,545$65,507

52. Housing Type 1-4 Units Income of a 4-person household living in Broome County You may qualify for ≤$50,184$50,185 - $65,507>$65,507 WAP or EmPower, Grant, Financing Grant, Financing Home Performance with Energy Star Eligibility

53. GJGNY Median Family Income for 2015: Delaware County (Other counties see income chart on HPwES Household income guidelines) Median $57,500≤ $115,000 ≤$143,750 ≤$172,500≤$201,250 ≤$230,000 Single Unit Audit; ≤ 3,500 SF Free $50 $100$150$200 2 - 4 Units Audit; Single Unit ≥ 3,500 SF Free $80$160$240$320 Free or Reduced Cost Assessment (other counties slides 54-57)

54. Information for Renters/Landlords Owner/Landlord/Renter of 1-4 unit building If tenant income falls within 60-80% AMI range then the landlord can qualify for Assisted HPwES incentives Tenants of all income levels can provide program information to building owners & financial info to the program lender Building owners may qualify for program for both their home and rental units Utility bill for a property must be in building owner’s name in order to qualify for On-Bill Recovery loan financing

55. GJGNY Median Family Income for 2015: Chenango County (Other counties see income chart on HPwES Household income guidelines) Median $56,200≤ $112,400 ≤$140,500 ≤$168,600≤$196,700 ≤$224,800 Single Unit Audit; ≤ 3,500 SF Free $50 $100$150$200 2 - 4 Units Audit; Single Unit ≥ 3,500 SF Free $80$160$240$320 Free or Reduced Cost Assessment

56. GJGNY Median Family Income for 2015: Otsego County (Other counties see income chart on HPwES Household income guidelines) Median $60,600≤ $121,200≤$151,500≤$181,800≤$212,100 ≤$242,400 Single Unit Audit; ≤ 3,500 SF Free $50 $100$150$200 2 - 4 Units Audit; Single Unit ≥ 3,500 SF Free $80$160$240$320 Free or Reduced Cost Assessment

57. Appliances and Lighting What many people do to improve efficiency

58. SOURCES vii. US Department of Energy. Home Energy Saver calculator What if… A 35% reduction in residential energy use in Broome County leads to… -$52.8 M in energy savings -2,589 Energy Contractor Job years (340 jobs over 5 years) and 634 Permanent Jobs -Boosts the local economy -(based on 2010 analysis)

59. PV System Equipment Information Total Participant Capacity (kW) < 50kW 50 – 100kW 101 – 150kW 151 – 200kW > 200kW ModulesInverters Trina or Conergy SMA, Fronius or PowerOne Price ($/Watt) $3.75$3.65$3.50$3.40$3.25 Loans: 5 to 20 year terms Rates: 3.5 to 6.5% Lease: 20 year. All maintenance covered, performance guarantee, transferable Options and Adders Ground-mounts: +$0.60/Watt Made in USA PV: + $0.15/W High efficiency PV (SunPower): +$1/W Pricing Tiers (2014 pilot)

60. LEASE Example (2014 pilot) 6.87 kW (21) SunPower 327 W modules, (1)6000 W PowerOne inverter 8484 kWh per year South facing, no shade $0 down, $0 escalator: $95/month (About the same as smartphone) Be advised that SunPower PV produces 21% MORE kWhs than other types and takes up 37% LESS space!

61. The Process (2014 Pilot) In the first 2 to 3 weeks ETM: 1.checks your Site 2.gives you a Quote 3. does NYSERDA paperwork Then we wait for NYSERDA grant approval (8 weeks) 1.Meanwhile, ETM gets building permit and interconnection paperwork done 2.Installation (2-4 days) If Financing or leasing: 1.Credit check 2.Lease or loan document 3.Your first payment is not due until install is complete

62. Loans (2014 Pilot) 1. Local Bank a) Citizen’s bank, Energy Loan, 607-766-9120 b) Horizons FCU, Energy Loan, 607-724-5876 1. Admirals Bank a) Terms of 5,7,10,15 or 20 years b) Rates in 6% range c) Option to refinance in 12, 18 or 24 months 1. Enerbank a) 12 months same as cash for tax credits b) 2.99% for 12 years for remainder 4. NYSERDA On-bill and Smart Energy loans a) Low rates, 3.5% b) Can use for energy efficiency and solar

63. Lease Example (Direct Energy Solar-KW Financal) 20 year lease 20 year product and production guarantee Kyocera 260 panel – Suniva high production panel upgrade option $0 down (downpayments reduce overall cost).