1. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law On-Site Generation for Hospitals – Opportunities and Challenges Presented By Robert M. Loughney Couch White, LLP May 20, 2014 Presentation to the Greater New York Hospital Association

2. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law Programs offered by the New York Independent System Operator (“NYISO”) Potential impact of NYS Department of Environmental Conservation (“DEC”) rule change Consolidated Edison of New York (“Con Edison”) program opportunities Pending NYS Public Service Commission (“PSC”) proceeding 2 Overview

3. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law NYISO is a Federal Energy Regulatory Commission (“FERC”) approved independent system operator NYISO operates New York’s bulk electric transmission system NYISO also administers the wholesale electricity markets in New York The wholesale electricity markets include several demand response programs open to participation by end-use electric customers in New York 3 Background

4. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law NYISO Demand Response Programs Special Case Resource Program (“SCR”) Emergency Demand Response Program (“EDRP”) Demand-Side Ancillary Services Program (“DSASP”) Day-Ahead Demand Response Program (“DADRP”) 4 NYISO Demand Response Programs

5. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law SCR allows end-use customers to participate in the capacity markets administered by the NYISO The capacity markets operate based on a capability year (May 1 through April 30 of the following year) – Summer Capability Period: May 1 through October 31 – Winter Capability Period: November 1 through April 30 SCR participants are called upon by the NYISO to provide load reductions during reserve shortages and system emergency conditions SCR is the largest demand response program administered by the NYISO 5 SCR Overview

6. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law Participants must have revenue quality interval metering installed at their facility Individual participants must be capable of reducing at least 100 kW upon request by the NYISO – Can aggregate facilities to achieve minimum size requirement – Baseload portion of onsite generation excluded from participation; NYISO is examining whether baseload generation should be in markets – Incremental onsite generation can participate but only up to the facility load level SCR participants are required to participate in mandatory one-hour tests during each capability period 6 SCR Participation Requirements

7. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law SCR participants must participate in every SCR event called by the NYISO for at least 4 consecutive hours of each event – The NYISO can call SCR events on a zone-by- zone basis SCR participants receive at least 21 hours advance notice of a potential SCR event or test SCR participants receive at least 2 hours advance notice of an actual SCR event or test 7 SCR Participation Requirements

8. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law SCR participants eligible to receive both capacity payments ($/kW) and energy payments ($/kWh) Capacity payments are based on the amount of load curtailment committed to the program Energy payments are paid only for the actual load reduction provided during SCR event or test hours – Participants are paid the greater of applicable real-time NYISO location-based market prices or strike price declared by resource – Strike price is capped at $500 per MWH 8 SCR Payments

9. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law Participants subject to penalties for failure to provide committed load reduction during all tests and events – No cap on the number of events – Mandatory performance during each event capped at 4 hours Potential for financial penalties – 1.5 times the applicable spot market auction price for each month for any shortfall De-rating penalty for future participation 9 SCR Penalties

10. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law EDRP is a voluntary demand response program EDRP participants are called upon by the NYISO to provide load reductions during reserve shortages and system emergency conditions EDRP activated simultaneously with SCR events Simultaneous participation in EDRP and SCR is not allowed Minimal participation in EDRP – Less than 100 MW enrolled 10 EDRP Overview

11. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law Participants must have revenue quality interval metering installed at their facility Individual participants must be capable of reducing at least 100 kW upon request by the NYISO – Can aggregate facilities to achieve minimum size requirement – Baseload portion of onsite generation excluded from participation – Incremental onsite generation can participate but only up to the facility load level EDRP participants receive at least 21 hours advance notice of a potential EDRP event EDRP participants receive at least 2 hours advance notice of an actual EDRP event 11 EDRP Participation Requirements

12. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law EDRP participants only paid energy payments ($/kWh) for actual load reductions during EDRP events – Participants paid the applicable RTM LBMP Unlike SCR, EDRP does not include capacity payments – If no EDRP events called, no payments received 12 EDRP Payments

13. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law Participation in EDRP events is voluntary No penalties for non-performance – Only “penalty” is foregoing payment 13 EDRP Penalties

14. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview DEC Part 201 Rule Applies to owners and operators of air contamination sources Owners or operators of emission sources must either register with DEC, or apply for a permit, before construction or operation of the facility The registration certificate and permit are valid for a period of 10 years 14 DEC Rules Affecting On-Site Generation

15. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview DEC Part 201 Rule Renewal applications for air facility registrations must be submitted to DEC at least 60 days before the current registration expires while permit renewals must be submitted to DEC 180 days prior to expiration of the existing permit 15 DEC Rules Affecting On-Site Generation

16. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview DEC Part 222 Rule - Pending Will apply to owners and operators of distributed generation (“DG”) sources in NYC with a minimum output of 150 kW Emergency power generating stationary internal combustion engines (“Emergency Power Sources”) are defined as a stationary engine that operates: (i) only when the usual supply of power is unavailable; and (ii) no more than 500 hours per year, are covered by Part 222 – The 500 hour limit includes actual operation during emergencies plus maintenance and testing hours 16 DEC Rules Affecting On-Site Generation

17. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview DEC Part 222 Rule - Pending Stationary internal combustion engines used to peak shave or otherwise reduce cost or ensure reliability at a facility are considered Economic Dispatch Sources, and are not Emergency Power Sources Economic Dispatch Sources must obtain a registration certificate or permit under DEC Part 201 –Emergency generators participating in NYISO or Con Edison programs will have to register as Economic Dispatch Sources 17 DEC Rules Affecting On-Site Generation

18. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview DEC Part 201 Permit Levels Minor Facility Registration –Limited to facilities with potential to emit (“PTE”) no more than 12.5 tons of NO x /year –Easiest to obtain; no permit required State Facility Permit –Facilities with PTE 12.5-25 tons of NO x /year –Must meet requirements of Subpart 201-5 Title V Facility Permit –Facilities with PTE greater than 25 tons of NO x /year –Most burdensome level; Title V permit required under Subpart 201-6 18 DEC Rules Affecting On-Site Generation

19. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview DEC Part 222 Rule - Pending Prior to November 1, 2014 (subject to change), owners or operators of a DG source must notify DEC in writing about whether it will: – Operate as an Emergency Power Source; – Operate as an Economic Dispatch Source; or – Permanently shut down Failure to notify DEC as set forth above means that the DG source will be classified as an Economic Dispatch Source 19 DEC Rules Affecting On-Site Generation

20. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview DEC Part 222 Rule - Pending By May 1, 2015 (subject to change), all Economic Dispatch Sources must comply with specific NOx emission limits Economic Dispatch Sources that cannot meet the NOx emission limits can: (i) petition DEC for a waiver based on demonstration that it is economically or technically infeasible for the source to meet the NOx limits; or (ii) file a notice of intent to permanently shut down 20 DEC Rules Affecting On-Site Generation

21. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview Rider S – Commercial System Relief Program - Customers enrolled in this program provide load relief for Con Edison during peak times and are rewarded with financial incentives. The participating organization (either an aggregator or the direct customer) is responsible for determining that the operation of the generating equipment under this Rider conforms with any governmental limitations on operation. Location restrictions on DG participation exist near certain existing peaking generators, as shown on the Company’s website. Participation by diesel-fired generators will be permitted only if the engine for the equipment is model year 2000 or newer, and will be limited to 20 percent of the total kW enrolled under Rider S. Copies of NY DEC permits must be provided. 21 Con Edison Programs

22. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview Rider U – Distributed Load Relief Program Customers enrolled in this program reduce their usage to provide load relief in their communities to help maintain system reliability and in return, receive incentives for participation. Summary of DG-Related Rules The participating organization (either an aggregator or the direct customer) is responsible for determining that the operation of the generating equipment under this Rider conforms with any governmental limitations on operation. Enrollment requires reporting of nameplate information (unit’s serial number, nameplate rating, manufacturer, and date of manufacture). 22 Con Edison Programs

23. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview PSC Proceeding 14-M-0101 – Reforming the Energy Vision (“REV”) Instituted April 25, 2014 Stated Objective – transform New York’s electric industry to create market-based, sustainable products and a consumer-oriented industry – Enhance customer participation in energy-related markets by enhancing demand response, on-site generation and energy efficiency opportunities 23 PSC Actions

24. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview The REV Proceeding Basic Proposition – to achieve more demand response and distributed generation, barriers such as onerous utility tariffs and penalties have to be removed Assessment – although the proceeding is in its nascent stage, the PSC is determined to encourage the growth of DERs, which means that distributed operation, including microgrids that include hospitals as critical care providers, should flourish Stay Tuned – REV should result in more opportunities to reduce costs by earning revenues from energy infrastructure projects 24 PSC Actions

25. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law Revenue producing programs are available for on-site generation, but eligibility criteria must be examined Environmental regulations impact eligibility criteria, particularly for emergency generators –The regulations are not consistent and are subject to change On-site generation is in favor because of favorable resiliency and efficiency impacts –NYISO examining whether base-load on-site generation should be allowed into markets –PSC REV proceeding looking to remove barriers 25 Summary

26. Main Office Other Locations 540 Broadway 38 High Rock Avenue, #2C767 Third Avenue, btwn 48 th & 49 th 601 Pennsylvania Avenue HQ Hartford, 100 Pearl Street, 14th Fl Albany, NY 12207 Saratoga Springs, NY 12866New York, NY 10017Washington, DC 20004Hartford, CT 06103 p: 518-426-4600 p: 518-886-8472p: 212-418-0500 p: 202-638-6949 p: 860-676-7740 f: 518-426-0376 f: 518-306-6506f: 212-421-0922f: 202-638-6951f: 860-676-7704 COUCH WHITE, LLP counselors and attorneys at law DADRP Overview Robert M. Loughney Couch White, LLP 767 Third Avenue New York, NY 10017 518-320-3404 rloughney@couchwhite.com 26 Questions?