We offer financing solutions for quality home improvement projects provided by contractors with integrity MHF is a TEAM Basement Systems Company doing whatever it takes to make the dealer a better and more profitable business. MHF fits nicely into this strategy as financing is a key part of the business offer. Simple, friendly financing – for MoreHouse. We will take a personal, flexible approach to serve customers – not statistics. We use old fashioned underwriting by going outside of IT system parameters to make more positive decisions. MHF only works in the home improvement marketplace. We are continuously improving our know how based on real experience and insights from all dealers. We are a TOOL for you to use – we work for you. Use us to support all your needs - the dealer, the salesperson and support team. Bottom line, we want to increase your results a minimum of 10% with middle term target of 20%. What results do you expect?

Credit Application is serviced by us at MoreHouse: –Telephone –Paper –Internet channels Preference is phone, with paper as a backup and internet as alternative The credit decision will be influenced by the credit score BUT not as strongly as Enerbank or other banks. We want to provide a personal touch to work through non standard cases. We are in the business to find a way to give your customers our finance product if they need or want it to close your sale. Indirect Operating Model – MoreHouse is not a bank or direct lender (we need you to help us help you) The legal installment contract (LEGAL SIZE) is a 2 page document between Dealer and the customer (example is provided). The installment contract is part of your sales documentation and should be delivered and processed the same way your contracts are signed off and delivered. You should take the lead in serving your customer. Three documents in total: Credit Application Retail Installment Contract Job Completion Certificate and Payment Authorization Form (like Enerbank) combined with Finance Acknowledgement Form. At time the paperwork is signed, MoreHouse buys the note and pays the Dealer based on the Cooperation Framework Agreement

LICENSED & OPERATIONAL IN CONNECTICUT from August 2011, first loan booked in Sept: –Over 30 active dealers, VA and MD our 14/15t h state. Expect another 3 before convention. –Just over 550 applications taken –89% approved – 11% denied –Portfolio is about $2.0 mil. (300 jobs confirmed = $2.5 mil. Job value) –Approved not yet funded just over $1.0 million VALUE ADDED CONTRIBUTION TO CBS – Using Enerbank as a bench mark. CBS sold over $20 million in 2011 while financing approvals were $1.1 million. Half year sales were about $10 million, finance was $571,000. To date in 2012 : Approved is just over $1.5 while CBS sales are down 20%! Procedural Developments and Insights –New Dealer package includes sales and operations procedures. These will be presented in detail. –Script developed and training program presented during Sales training. This is also presented in detail as part of the 10 (11) steps to a sale. –Installment program is for those who may need more time to pay and prefer reasonable monthly payments. VALUE ADDED! –Same As Cash is offered for those people who feel that they will have cash a short time down the road. For well qualified customers

Up to $20,000 ($20,000 job total results in $16,000 financed for installment loan) –Up to 48 months –Rate 11.99% unsecured (average for is 12.66%) –20% down payment paid to you; mandatory for install, strongly recommended for SAC –6 SAC default 17.99% if not paid within promotional period, 12 SAC 21.99% –Exceptions granted (track record up to $40,000) –Application turnaround within 24 hours, most now are minutes, in clear case –For installment contract sales, we use FICO as good range; look at 600 and over. Average for US 680. Score of 690 is the driver for 6 month SAC –No recourse –Office works until 8 PM EST. QUESTIONS ?

General Number Zenon Olbrys, CEO Ext Jennifer O’ Brien, Dealer Support Ext Alison Noroian, Customer/Partner Support Manager Ext Flip Plancon, Basement Systems Dealer Support, Sales Ext Jeanette Lopez, Account/Payment Support Ext Ellen Ivanko, Customer/Partner Support Ext Photo to come