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Backup Documents 05/28/2019 Item #11G ORIGINAL DOCUMENTS CHECKLIST & ROUTING SLIP , G TO ACCOMPANY ALL ORIGINAL DOCUMENTS SENT TO THE BOARD OF COUNTY COMMISSIONERS OFFICE FOR SIGNATURE Print on pink paper. Attach to original document. The completed routing slip and original documents are to be forwarded to the County Attorney Office at the time the item is placed on the agenda. All completed routing slips and original documents must be received in the County Attorney Office no later than Monday preceding the Board meeting. **NEW** ROUTING SLIP Complete routing lines#1 through#2 as appropriate for additional signatures,dates,and/or information needed. If the document is already complete with the exception of the Chairman's signature,draw a line through routing lines#1 through#2,complete the checklist,and forward to the County Attorney Office. Route to Addressee(s)(List in routing order) Office Initials Date 1. 2. 3. County Attorney Office County Attorney Office JAK 7/16/19 4. BCC Office Board of County NA-V Commissioners C / —1\-1 5. Minutes and Records Clerk of Court's Office fi(5- 3:41pk- PRIMARY CONTACT INFORMATION Normally the primary contact is the person who created/prepared the Executive Summary. Primary contact information is needed in the event one of the addressees above,may need to contact staff for additional or missing information. Name of Primary Staff James French,G wth Management 252-5717 Contact/Department Agenda Date Item was 5/28/19 Agenda Item Number 11-G Approved by the BCC d� Type of Document Resolution-PACE Number of Original One Attached Documents Attached PO number or account number if document is N/A ����-11to be recorded INSTRUCTIONS & CHECKLIST Initial the Yes column or mark"N/A"in the Not Applicable column,whichever is Yes N/A(Not appropriate. (Initial) Applicable) 1. Does the document require the chairman's original signature STAMP OK JAK 2. Does the document need to be sent to another agency for additional signatures? If yes, JAK provide the Contact Information(Name;Agency;Address;Phone)on an attached sheet. 3. Original document has been signed/initialed for legal sufficiency. (All documents to be JAK signed by the Chairman,with the exception of most letters,must be reviewed and signed by the Office of the County Attorney. 4. All handwritten strike-through and revisions have been initialed by the County Attorney's JAK Office and all other parties except the BCC Chairman and the Clerk to the Board 5. The Chairman's signature line date has been entered as the date of BCC approval of the JAK document or the final negotiated contract date whichever is applicable. 6. "Sign here"tabs are placed on the appropriate pages indicating where the Chairman's JAK signature and initials are required. 7. In most cases(some contracts are an exception),the original document and this JAK routing slip should be provided to the County Attorney Office at the time the item is input into MinuteTraq. Some documents are time sensitive and require forwarding to Tallahassee within a certain time frame or the BCC's actions are nullified. Be aware of your deadlines! 8. The document was approved by the BCC on 5/28/19 and all changes made during the JAK N/A is not meeting have been incorporated in the attached document. The County Attorney's _ -- - an option for Office has reviewed the changes,if applicable. t' line. 9. Initials of attorney verifying that the attached document is the version approved b tie . '\S,• /A not BCC,all changes directed by the BCC have been made,and the document is read for e . op ion for Chairman's signature. this c - [04-COA-01081/1344830/1]l:Forms/County Forms/BCC Forms/Original Documents Routing Slip WWS Original 9.03.04,Revised 1.26.05,Revised 2.24.05; Revised 11/30/12 11G MEMORANDUM Date: July 17, 2019 To: Jamie French Growth Management Division From: Ann Jennejohn, Deputy Clerk Minutes & Records Department Re: Resolution 2019-097 Attached for your records is a copy of the document referenced above, (Item #11G) adopted by the Board of County Commissioners on May 28, 2019. The original will be held in the Minutes and Records Department for the Board's Official Record. If you have any questions, please contact me at 252-8406. Thank you. Attachment 1 G RESOLUTION NO.2019- 9 A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA, REPEALING THE EXISTING PROPERTY ASSESSMENT CLEAN ENERGY (PACE) PROGRAM WITHIN THE UNINCORPORATED AREA OF COLLIER COUNTY, AND ESTABLISHING A NEW PACE PROGRAM WITHIN COLLIER COUNTY LIMITED TO COMMERCIAL, INDUSTRIAL AND MULTI-FAMILY RENTAL APARTMENT PROPERTIES, AND APPROVING A STANDARD FORM AGREEMENT WITH PACE PROVIDERS. WHEREAS, on July 11, 2017 by Resolution No. 2017-130, the Board of County Commissioners adopted a resolution establishing the Property Assessment Clean Energy(PACE) program within the unincorporated areas of Collier County for residential, commercial and industrial properties; and WHEREAS, it has been reported that potential abuses of the PACE program have taken place, largely from a minority of PACE program contractors; and WHEREAS, the Board desires to terminate the existing PACE program and establish a new PACE program limited to commercial,industrial and multifamily rental apartment properties; and WHEREAS, with the new program, commercial, industrial, and multi-family rental apartment property owners of Collier County may improve energy efficiency, install energy improvements or retrofits, wind resistance/wind hardening measures, and improve water conservation through a PACE financing program pursuant to Section 163.08,Florida Statutes;and WHEREAS, a PACE financing program is a financing structure by which commercial, industrial, and multi-family rental apartment property owners may voluntarily opt into a special assessment district to receive a loan to finance energy improvements and retrofits, where those loans are repaid through an annual assessment on the property owner's property tax bill; and WHEREAS, PACE providers that have been created under Section 163.01(7) Florida Statutes are considered local governments,and the County may select from those PACE providers and enter into agreements with the selected providers,without proceeding with a solicitation; and WHEREAS, such County agreements with PACE providers shall include County requirements and protections; and WHEREAS, such County agreements with PACE providers shall also require PACE providers to acknowledge the County's role in authorizing PACE in unincorporated Collier County, while still making it clear to consumers that the County is not operating any PACE program. [19-CMD-00140/1466502/1j6 Page 1 of 2 3/19/19 1 1 G NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA, that: 1. The Board desires to terminate the existing PACE Program in Collier County and hereby repeals Resolution Nos. 2017-127, 2017-128, 2017-129, 2017-130, and 2017-153, noting that the executed membership agreements will be valid for close out of existing contracts for a period of 90 days after written notice to the PACE provider; and property owners whose applications were approved and who received funding through the program, shall continue to be a part of the program for the sole purpose of paying their outstanding debt, until such time that all outstanding debt has been satisfied. 2. The Board hereby establishes a new PACE Program within the unincorporated area of Collier County, limited to commercial, industrial, and multi-family rental apartment properties. 3. It is the intent of this Board to enter into agreements with multiple PACE providers, specifically entities created pursuant to Section 163.01(7), Florida Statutes, who may wish to operate a PACE program within Collier County, to foster competition and create additional choices for property owners. 4. The Board approves the standard form membership agreement attached as Exhibit A to this Resolution and directs staff to bring back executed membership agreements substantially in the form attached as Exhibit A. BE IT FURTHER RESOLVED that this Resolution be recorded in the minutes of this Board and filed with the County Clerk's Office. This Resolution adopted after motion, second and majority vote favoring same this 2.$ -, day of \--Ac1/4_, , 2019. ATTEST: BOARD OF COUNTY COMMISSIONERS CRYS.J L `41 JNZEL, CLERK COLLIER COU LORIDA UL Q�� B �101) 0i 13 V , . _ y: - tg:"�"• a"A.,:I_ ,,};1'y ty Clerk Will*.m L. Mc•.me , Jr., Cha • an � .° :.i g',tnature only. c Appr•, - ili es, form and legality: ��� (tem# 1 1G trii 1V+.�► � .- �,� ,, Agenda o Jeffrey . . K .tzkow Date 5_8""`� County ' tto 1 ey Rete ���i, j Reed � � (19-CMD-00140/14.65021116 Page 2 of 2 3/19/19 il ,� Sepu I 0 11G STANDARD MEMBERSHIP AGREEMENT BETWEEN AND COLLIER COUNTY This Agreement ("the Agreement") is entered into this day of , 2019 by and between the , a public body corporate and politic (the "Authority") created as a separate legal entity pursuant to Section 163.01(7), Florida Statutes, and Collier County, a political subdivision of the State of Florida (the "County" or "Collier County") (collectively, the "Parties") for the purpose of providing a Property Assessed Clean Energy("PACE") program within Unincorporated Collier County. NOW,THEREFORE, in consideration of the terms and conditions, promises and covenants hereinafter set forth,the Parties agree as follows: 1. Purpose.The purpose of this Agreement is to facilitate the financing of qualifying improvements through a PACE program,in accordance with Section 163.08,Florida Statutes,for County property owners within Unincorporated Collier County, limited to only commercial, industrial, and multi- family rental apartment properties. 2. Qualifying Improvements. The Authority may provide "Qualifying Improvements" to real property within Unincorporated Collier County, in accordance with Section 163.08, Florida Statutes, and subject to the terms of this Agreement, as well as applicable federal, state, and County law. 3. Financing Agreement. Before extending any financing or subjecting any participating real property within the County, to the non-ad valorem special assessment authorized therein, the Authority shall, on a non-exclusive basis pursuant to the Section 163.08, Florida Statutes and this Agreement, enter into a Financing Agreement with properly owner(s) within Unincorporated Collier County who qualify for financing through the Authority. This Financing Agreement shall include a thorough explanation of the PACE financing process and specify at what point in the process the special assessment will be added to the property's owner's property taxes (after completion of the project(s), permit approval,and approval by the property owner). 4. Assessment by Authority. The Parties acknowledge and agree that the non-ad valorem assessments arising from a property owner's voluntary participation in the PACE Program are imposed by the Authority and not by the County. 5. Agreements with Tax Collector and Property Appraiser. This Agreement shall be subject to the express condition precedent that Authority enter into separate agreement(s) with the tax collector and the property appraiser which shall provide for the assessment and collection of any non-ad valorem special assessments imposed by the Authority and establish Cost Recovery Reimbursements to the Collier County Tax Collector and Collier County Property Appraiser(if any) to be charged for the collection and/or handling of those non-ad valorem assessments. Additionally, the Parties agree that the Property Appraiser's and Tax Collector's assessment, collection, and distribution of any such non-ad valorem assessments imposed by the Authority are purely ministerial acts. [19-CMD-00140/1466500/1] Pace Standard Agreement-no residential 3/19/19 Exhibit A 1 1 1 G 6. Non-Exclusive. The Program is non-exclusive, meaning the County specifically reserves the right to authorize other entities to provide a similar program under Section 163.08, Florida Statutes;or create its own program under Section 163.08; Florida Statutes. 7. Boundaries of for Program. For purposes of the PACE Program authorized by this Agreement,the boundaries of the Authority shall include the legal boundaries of Unincorporated Collier County, which boundaries may be limited, expanded, or more specifically designated from time to time by the County by providing written notice to the Authority. 8. Properties. Within the Unincorporated area of Collier County, only commercial, industrial, and multi-family rental apartment properties are eligible. 9. PACE program guidelines and other materials. All PACE materials for use within Unincorporated Collier County, or otherwise related to this Agreement, including but not limited to program guidelines, rules, consumer agreements, consumer financing agreements, and promotional materials,shall be fully consistent with the Collier County Land Development Code,Collier County Code of Laws and Ordinances,and Collier County resolutions,all of which may be amended from time to time, and with this Agreement and applicable federal and state laws. The Authority acknowledges and agrees that PACE materials for use within Unincorporated Collier County, or otherwise related to this Agreement,shall be modified accordingly and reviewed on a continuing basis for consistency with applicable County, state and federal laws. It shall be the obligation of the Authority to establish and maintain such consistency. County shall provide written notice to the Authority of any proposed legislative changes to the PACE program via electronic transmission or US Mail no later than five (5) days prior to the public hearing on the proposed legislative changes. 10. Local program Guidelines.The Parties agree that the County may in the future implement its own local program guidelines or affirmatively modify the program guidelines to be utilized in Unincorporated Collier County. If the County decides to exercise these rights, it shall give sixty (60)days written notice to the Authority.Any such local program guidelines can be amended and changed only by resolution of the Board of County Commissioners.The County may adopt more restrictive guidelines than those of the Authority. Notwithstanding anything stated herein to the contrary, the PACE materials, including the Authority's program guidelines, shall be fully consistent with applicable County,state and federal laws. 11. Prepayment penalties. To the extent that the Authority may charge or impose prepayment penalties, for commercial and industrial properties, the Authority may not allow or charge any prepayment penalties except in the case when an assessment is paid off in full within five(5)years after the effective date of financing agreement with the property owner. Where the Authority may charge or impose prepayment penalties for commercial and industrial properties, the Authority shall offer and inform property owners of the Authority's hardship exception, for instances where a commercial and industrial property owner becomes disabled or deceased.Any such prepayment penalties, as well as information about the hardship exception,shall be clearly disclosed within all property owner financing agreements and in all PACE materials,including but not limited to program guidelines, program rules, consumer agreements, and consumer informational documents. For commercial and industrial properties, prepayment penalties may be charged or imposed by the Authority to the extent permitted by law. [19-CMD-00140/1466500/11 Pace Standard Agreement-no residential 3/19/19 2 I, G 12. Disclosures. The PACE materials, including but not limited to the Financing Agreement with the property owner, consumer agreement, and program guidelines, shall clearly disclose, in plain language, the fixed interest rate to be charged, including points, as well as any and all fees or penalties,that may be separately charged to the property owner,including prepayment penalties for commercial and industrial properties, and potential late fees. To the extent that additional fees are not specifically disclosed in a written agreement with the properly owner,the subsequent charging or collecting of any such additional fees by the Authority or its agents,administrators,or subcontractors shall be prohibited. The Authority shall place the following sentence or similar language(without the County's logo)on all customer communications and agreements: Please be aware that Collier County government is not operating or administering the PACE program in any way.All contractual PACE agreements are between property owners and the Authority, a non-County entity. All questions and concerns about this PACE Program should therefore be addressed to: [Authority contact/remedy information]. 13. Consumer Assistance. In order to assist those persons who may have difficulty reading or understanding the PACE materials, such as the Financing Agreement, program guidelines and other consumer agreements, the Authority shall provide optional one-on-one assistance regarding the Authority Program, program terms, program process, program documents,and all other pertinent information. Information regarding this option for personal assistance shall be printed in English,Spanish,and Haitian Creole on PACE promotional materials. 14. Disclosures related to lenders. While the Authority will provide required forms for lender notification, the Authority shall make clear that the ultimate responsibility for addressing issues with existing lenders remains with property owners. A statement to this effect should be placed in the PACE materials, including all agreements with the property owner. In addition, the PACE materials, including all agreements with the property owners, shall include a statement that strongly urges the property owner to increase monthly escrow immediately after financing is released. 15. Administrative Fees. The County may impose administrative fees to cover the County's administrative costs related to this Agreement. Such administrative fees may be established by the Collier County Board of County Commissioners, by separate action, and shall be charged to the Authority. The County shall provide written notice to the Authority of any proposed legislative changes to the PACE program via electronic transmission or US Mail no later than five (5) days prior to the public hearing on the proposed legislative changes. 16. Responsibilities of the Authority. The Authority shall be solely responsible for all matters associated with origination, funding, financing, and administration of each of the Authority's authorized non-ad valorem assessments, including responding to any complaints or inquiries by participants, tax certificate holders, lenders or others relating to the special assessments, the financing agreements,the qualifying improvements, or any other aspect of the Program. 17. Survival of Assessments. During the term of this Agreement, the Authority may, on a non- exclusive basis, levy voluntary non-ad valorem special assessments on participating properties within the boundaries of Unincorporated Collier County to help finance the costs of Qualifying Improvements for those individual properties.Those properties receiving financing for Qualifying (19-CMD-00140/1466500/1] Pace Standard Agreement-no residential 3/19/19 3 I 1G Improvements shall be assessed from time to time, in accordance with Section 163.08, Florida Statutes,and other applicable law. Notwithstanding termination of this Agreement or notice of a change in boundaries by County as provided for herein, those properties that have received financing for Qualifying Improvements shall continue to be a part of the Authority,until such time that all outstanding debt has been satisfied. 18. Term.This Agreement shall remain in full force and effect from the date of its execution by both Parties. Any Party may terminate this Agreement for convenience upon ninety (90) days prior written notice("Termination Notice").Beginning on the date the Authority receives a Termination Notice from the County ("Termination Date"), the Authority shall not approve any new applications affecting property within the legal boundaries of the Unincorporated Collier County referenced in the Termination Notice. Notwithstanding termination of this Agreement, however, property owners whose, applications were approved prior to the Termination Date, and who received funding through the Program, shall continue to be a part of the Authority, for the sole purpose of paying their outstanding debt, until such time that all outstanding debt has been satisfied. 19. Kick-Back Policy. PACE programs shall have and shall strictly enforce anti-kickback policies and procedures that prohibit direct financial or other monetary incentives to contractors in exchange for or related to such contractor being awarded work under a PACE program,excepting payment for the contractor's installation of eligible improvements. 20. Termination for cause. In the event that Collier County determines that the Authority has violated any of the terms of this Agreement, the County shall terminate this Agreement for cause via written notice to the Authority. 21. Consent. This Agreement, together with the resolution by the Collier County Board of County Commissioners approving this Agreement, shall be considered the Parties consent to authorize the Authority within Unincorporated Collier County, as required by Section 163.08, Florida Statutes. 22. County Coordinator.The County Manager or his/her designee shall serve as the County's primary point of contact and coordinator. 23. County Responsibility. Collier County shall have no responsibility for the payment of Authority fees or the Authority's third party administrator fees, of any kind, including but not limited to termination fees, Opt-in fee, maintenance fee, or Opt-out fees. In the event that fees become due, the Authority shall pay any and all associated costs within 30 calendar days. If Authority membership is required,County shall also be a non-voting member of the Authority. 24. Carbon or Similar Credits.In the event that the Financing Agreement or any other PACE agreement with the property owner provides for transfer of any carbon or similar mitigation credits derived from Qualifying improvements to the Authority, any such carbon or similar mitigation credits derived from Unincorporated Collier County,shall be shared in equal parts between the Authority and Collier County. 25. Contingency Plans. In the event that Florida's PACE statute is found to be unlawful, struck down by a court, or if the PACE assessments are determined by a court to not be special assessments, [19-CMD-00140/1466500/1] Pace Standard Agreement-no residential 3/19/19 4 11G the Authority agrees and acknowledges that Collier County may not be able to place PACE assessments on the tax rolls or collect PACE assessments, and that such a determination shall be made in the sole discretion of Collier County. 26. Bonds. The Authority is not authorized to issue bonds, or any other form of debt, on behalf of Collier County. To the extent that the Authority issues bonds under its own authority in connection with this Agreement, the pledge will be based on the PACE assessments, and the County shall not be obligated in any way. For any such bonds, the bond disclosure document, if any, shall include references to the fact that Collier County is not an obligated party. 27. Opinion of Bond Counsel. Prior to the effective date of this Agreement,the Authority shall deliver to the County an "Opinion of Bond Counsel" stating that, based on counsel's review of the bond validation judgment and the underlying bond documents,the Program's structure complies with the bond validation judgment and the underlying bond documents.The Authority acknowledges that the County is relying on the Opinion of Bond Counsel in its decision to execute this Agreement. 28. Resale or Refinancing of a Property.The Authority recognizes that some lenders may require full repayment of the Program's non-ad valorem assessments upon resale or refinancing of a property. The Authority agrees to provide written disclosure of this matter in all PACE materials, including, but not limited to, the Financing Agreement with the property owner, consumer agreement, program guidelines,and promotional materials. 29. Agents of Authority. The Authority shall ensure that its agents, administrators, subcontractors, successors, and assigns are, at all times, in compliance with the terms of this Agreement and applicable County, state and federal laws.County shall provide written notice to the Authority of any proposed legislative changes to the PACE program via electronic transmission or US Mail no later than five (5)days prior to the public hearing on the proposed legislative changes. 30. Notices.Any notices to be given hereunder shall be in writing and shall be deemed to have been given if sent by hand delivery, recognized overnight courier (such as Federal Express), or by written certified U.S. mail, with return receipt requested, addressed to the Party for whom it is intended, at the place specified. For the present, the Parties designate the following as the respective places for notice purposes: If to the Authority: (Insert contact information) If to County: County Manager 3299 Tamiami Trail East,Suite 202 Naples, FL 34112 [19-CMD-00140/1466500/11 Pace Standard Agreement-no residential 3/19/19 5 1 " With a copy to: County Attorney 3299 Tamiami Trail East,Suite 800 Naples, FL 34112 31. Amendments. No modification, amendment or alteration in the terms or conditions contained herein shall be effective unless contained in a written document prepared with the same or similar formality as this agreement and executed by the Collier County Board of County Commissioners and the Authority. 32. Joint Effort. This Agreement has been a joint effort of the Parties hereto and the resulting document shall not,solely as a matter of judicial construction,be construed more severely against one of the Parties than the other. 33. Merger.This Agreement represents the final and complete understanding of the Parties regarding the subject matter hereof and supersedes all prior and contemporaneous negotiations, correspondence,agreements,or understandings applicable to the matters contained herein;and the Parties agree that there are no commitments,agreements,or understandings concerning the subject matter of this Agreement that are not contained in this document.Accordingly,the Parties agree that no deviation from the terms hereof shall be predicated upon any prior representations or agreements,whether oral or written. 34. Assignment. The respective obligations of the Parties set forth in this Agreement shall not be assigned, in whole or in part, without the written consent of the other Party hereto. 35. Third Party Beneficiaries. Neither the County nor the Authority intends to directly or substantially benefit a third party by this Agreement. Therefore, the Parties acknowledge that there are no third party beneficiaries to this Agreement and that no third party shall be entitled to assert a right or claim against either of them based upon this Agreement. 36. Records.The Parties shall each maintain their own respective records and documents associated with this Agreement in accordance with the requirements for records retention set forth in Chapter 119, Florida Statutes. 37. Severability. In the event a portion of this Agreement is found to be unenforceable by a court of competent jurisdiction,that part shall be deemed severed from this Agreement and the remaining provisions of this Agreement shall remain in full force and effect. 38. Administrator Indemnification. Any and all administrators of the Authority shall be required to execute a separate indemnification agreement with the County.The Authority acknowledges and agrees that as of the execution of this Agreement, is the only administrator for the Authority, and that has executed the separate indemnification agreement with Collier County for the benefit of the County. If the Authority changes its administrator, the Authority shall ensure that any and all administrators also provide the County with a separate indemnification agreement, on a form to be approved by the County Attorney's Office,within 10 business days of assuming administrative responsibilities for the Authority. [19-CMD-00140/1466500/11 Pace Standard Agreement-no residential 3/19/19 6 1 1 G 39. Effective Date.This Agreement shall become effective upon the execution by both Parties hereto. 40. Law,Jurisdiction, and Venue. This Agreement shall be interpreted and construed in accordance • with and governed by the laws of the state of Florida.The Parties agree that the exclusive venue for any lawsuit arising from, related to,or in connection with this Agreement shall be in the state courts of the Twentieth Judicial Circuit in and for Collier County, Florida,the United States District Court for the Middle District of Florida or United States Bankruptcy Court for the Middle District of Florida, as appropriate. 41. Indemnification.To the maximum extent permitted by Florida law,the Authority shall indemnify and hold harmless Collier County, its officers, agents and employees from any and all claims, liabilities, damages, losses, costs, and causes of action which may arise out of an act, omission, including,but not limited to,reasonable attorneys'fees and paralegals'fees,to the extent caused by the negligence, recklessness, or intentionally wrongful conduct of the Authority or any of its agents,officers, servants, employees, contractors, patrons,guests, clients, licensees, invitees,or any persons acting under the direction, control, or supervision of the Authority in the performance of this Agreement. This indemnification obligation shall not be construed to negate, abridge or reduce any other rights or remedies which otherwise may be available to an indemnified party or person described in this paragraph. The Authority shall pay all claims and losses of any nature whatsoever in connection therewith and shall defend all suits in the name of Collier County and shall pay all costs(including attorney's fees) and judgments which may issue thereon.This Indemnification shall survive the termination and/or expiration of this Agreement. This section does not pertain to any incident arising from the sole negligence of Collier County. The foregoing indemnification shall not constitute a waiver of sovereign immunity beyond the limits set forth in Section 768.28, Florida Statutes. This Section shall survive the expiration of termination of this agreement. IN WITNESS WHEREOF, the Parties have executed this Agreement as of the date first written above. Attest COLLIER COUNTY, FLORIDA [19-CMD-00140/1466500/1] Pace Standard Agreement-no residential 3/19/19 7 h G Crystal K. Kinzel,Clerk By: By: Witness Name Name and Title Title By: Name Title Approved as to form and legality: [19-CMD-00140/1466500/1] Pace Standard Agreement-no residential 3/19/19 8 , ib Ann P. Jennejohn From: Patricia L. Morgan on behalf of Minutes and Records Sent: Wednesday, May 29, 2019 8:09 AM To: Minutes and Records Subject: FW: Slides presented on Item #11G Attachments: 5-3-19 PACE FINAL Power Point.pptx Follow Up Flag: Follow up Flag Status: Completed Updated to correct the item number to#11G (from #11D). Regards, 7 From: FrenchJames<James.French@colliercountyfl.gov> Sent:Tuesday, May 28, 2019 3:34 PM To: Patricia L. Morgan <patricia.morgan@collierclerk.com> Cc: MillerTroy<Troy.Miller@colliercountyfl.gov>; SheffieldMichael<Mike.Sheffield@colliercountyfl.gov>; CohenThaddeus<Thaddeus.Cohen@colliercountyfl.gov>; GuitardDonna <Donna.Guitard@colliercountyfl.gov>; MarcellaJeanne<Jeanne.Marcella@colliercountyfl.gov>; KovenskyKenneth <Kenneth.Kovensky@colliercountyfl.gov>; AuclairClaudine<Claudine.Auclair@colliercountyfl.gov>; MerinoDavid <David.Merino@colliercountyfl.gov> Subject: RE: Slides presented on Item #11D Trish, Please find the attached per your request. Thank you, Jamie From: Patricia L. Morgan Sent:Tuesday, May 28, 2019 11:53 AM To: FrenchJames Cc: MillerTroy Subject:Slides presented on Item#11D Good morning, Please provide our office with a copy of the slides that you presented at the BCC meeting for Item#11D.Thanks! 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Property owners pay no upfront costs and can access low-rate financing –which is vital for low-and middle-income homeowners –while making improvements that add value to properties. PACE Financing Is Critical in Collier County 3 4 Statewide Impact Metrics thru March 2019 5 Pre-Qualified Properties Application Approval/Conditional Approval Notice to Proceed Payment Request Funding Review 5 6 Consumer Protection Comparison 6 PACE HEL/HELOC Unsecured Debt Solar Lease/PPA Minimum level of equity in property Not delinquent on property related debt Not in bankruptcy Loan to value limit Team tied to useful life improvement Pre/post-funding customer support Fixed rate and fully amortized Improvement pricing review Certificate of completion Rigorous contractor training and oversight PACE Provides More Protections Than Other Home Improvement Financing Solutions 7 Standard Renovation Timeline Begin Day 1 ~Week 2 ~Month 3 or 4 Notice to Proceed ApprovalApplication Construction Key Pre-NTP Consumer Protections Underwriting Process Confirm Terms Call IDV (Identification Verification) Process Finance Agreement Key Post-NTP Consumer Protections Estimated Settlement Statement Contractor Payment 7 Contractor Management 8 Validate Contractor Registration & Onboarding Train ActivateRegister 9 10 Comprehensive Training Protocols for Contractors Onsite Training Training Includes the Following Topics Mentorship and Ongoing Training Policy and Guidelines Process and Tools Field Training Webinars on program features, software tutorials, FAQs, operational changes, business development Ygrene attend weekly contractor sales and education meetings Ongoing marketing, sales performance programs, pipeline management, as-needed training, and immersion in contractor business PACE programs & assessment contracts PACE disclosures Ethics Fraud prevention Consumer protection Nondiscrimination Senior financial abuse 10 Contractor Evaluation Process Monitor Suspend Terminate Monitor projects, impose additional risk avoidance measures such as require a copy of the original home improvement contract prior to receiving the ‘notice to proceed’ and conducting a Completion Call with the Property Owner prior to funding; suspend select benefits such as Lead Generation Suspend Contractor Portal which prevents submission of new projects and suspends the ‘notice to proceed’ on projects in the approval stage; allow Contractor to wrap up existing projects in construction/funding; impose additional risk avoidance measures; May or may not reactivate Permanent termination of Ygrene relationship; all Contractor Portal privileges denied; user IDs deleted/deactivated 11 Cost Comparison 12 13 Financing Type Principal Amount Interest Rate Term Monthly Payment Yearly Payments Home Mortgage $260,000 4.375%30 Year $1,298 $15,576 Car Loan $20,000 4.00%5 Year $368 $4,420 Personal Loan $20,000 15.00%5 Year $476 $5,712 Unsecured Home Improvement Loan $20,000 10.00%10 Year $264 $3,168 PACE Assessment $20,000 7.99%20 Year $169 $2,035 Financing Cost Comparison 13 Our Customers 14 Ygrene’s Footprint Stats from Oct 2017-Present 15 16 -60 -40 -20 0 20 40 60 80 100 Citibank Bank of America Chase TD Bank PNC Bank BB&T Nationwide Building Ygrene USAA Financial Services Industry Net Promotor Scores Comparison: Financial Services Customer Satisfaction 16 17 COLLIER COUNTY RESIDENT TESTIMONIALS 17 Clearing the Air 18 Notice to Lender Letters A total of 482 Notice to Lender Letters have been mailed by Ygrene in Collier County to respective mortgage lenders between August 2017 and May 2019, including Habitat for Humanity. *HFH = Habitat for Humanity in Collier County 0 10 20 30 40 50 60 Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May 2017 2018 2019Number of Letters Sent Each MonthNotice-to-Lender Letters Mailed Habitat Projects 21 project related Notice to Lender letters were sent to Habitat for Humanity, 16 of which proceeded to the final completed/funding stage. Collier County PACE Summary Profile Collier County PACE Program summary profile and environmental, resiliency, and economic impacts from inception to April 30, 2019. 19 HFH (1) HFH (1) HFH (3)HFH (3) HFH (2)HFH (1) HFH (1)HFH (2) HFH (1) HFH (1) HFH (3) HFH (1)HFH (1) THANK YOU 20