QNB–ONLINE ACCESS AGREEMENT ANDELECTRONIC FUND TRANSFER ACT DISCLOSUREAgreement — This is an Agreement between you and QNB ("QNB"). It explains therules of your electronic assess to your accounts through QNB–Online ("ONLINE"). Byusing ONLINE, you accept all the terms and conditions of this Agreement. Please read itcarefully.The terms and conditions of the deposit agreements and disclosures for each of yourQNB accounts as well as your other agreements with QNB, such as loans, continue toapply. If the terms and conditions of this Agreement are different from those depositagreements and disclosures, those deposit agreements and disclosures control thetransaction.This Agreement is also subject to applicable federal laws and the laws of theCommonwealth of Pennsylvania. If any provision of this Agreement is found to beunenforceable according to its terms, all remaining provisions will continue in full forceand effect. The headings in this Agreement are for convenience or reference only and willnot govern the interpretation of the provisions. Any waiver (express or implied) by eitherparty of any default or breach of this Agreement must be in writing and shall notconstitute a waiver of any other or subsequent default or breach. You may not assign thisAgreement. This Agreement is binding upon your heirs and QNB’s successors andassigns. Certain of the obligations of the parties under this Agreement that by their naturewould continue beyond the termination, cancellation or expiration of this Agreementshall survive termination, cancellation or expiration of this Agreement. This Agreement,together with the Enrollment Form and Fee Schedule, constitutes the entire agreementbetween you and QNB with respect to electronic access to your accounts.Definitions — As used in this Agreement:"Account" or "accounts" means your accounts at QNB."Business days" means Monday through Friday. Holidays are not included.“Cut-Off Time” means 4:00pm (3:00pm at a QNB ATM) on a business day."Electronic funds transfers" means ATM withdrawals, preauthorized transactions,point of sale transactions, transfers to and from your QNB accounts usingONLINE including bill payments."ONLINE Services" means the services provided pursuant to this Agreement,including the Bill Payment Service."QNB," "we," "our," and "us," mean QNB Bank."You" and "your" refer to the accountholder authorized by QNB to use ONLINEunder this Agreement and anyone else authorized by that accountholder toexercise control over the accountholder’s funds through ONLINE.Access — To use ONLINE, you must have at least one account at QNB, access toInternet service, and an e-mail address. Once we have received your signed EnrollmentForm and verified your account information, we will send you, either by e-mail or bypostal mail, confirmation of our acceptance of your enrollment, along with your assigned

EERE Technology PortfolioEnergy Efficiency• Buildings• Industrial• Federal Energy Management• Weatherization and IntergovernmentalAdvanced Transportation• Biomass• Fuel Cells• Advanced VehiclesElectric Power Generation• Geothermal• Solar• Wind• Hydropower & Advanced Water PowerMission StatementTo develop cost competitive technology, facilitate commercialization anddeployment to the marketplace2 | Program Name or Ancillary Text

US Building Energy Use and CarbonEmissions38% of U.S. Carbon Emissions39% of U.S. Primary Energy ConsumptionIndustry &Transportation997 MMTC(62%)Buildings610 MMTC(38%)ResidentialTransportation 21%28%Commercial18%Industry33%72% of U.S. Electricity ConsumptionTotal U.S. Energy Consumption12011554% of U.S. Natural Gas Consumption(Quad ds)11010510095902005 2010 2015 2020 2025 2030Sources: BED 2009; AEO 20103 | Program Name or Ancillary Text

Electricity Use in Buildings is High inJapan and the United States80.0%70.0%60.0%50.0%40.0%30.0%20.0% 0%IndustrialTransportationBuildingsOther10.0%0.0%Australia Canada China India Japan Korea USA TotalEU and ASEAN ~ 55 percentAPEC average ~ 50 percent4 | Program Source: Name or Ancillary APEC and Text IEA

Building Consumption – EnvelopeRelationshipComputers2%Other12%Has Impact on57% of LoadsHeating23%Appliances12%Electronics7%Cooling13%Water Heating10%Ventilation3%Lighting18%1/7 US Economy• 133 Billion $/yr• 13.9% US Energy• 3.5% Global Energy5 | Program Name or Ancillary Text

EERE Technologies – PotentialCarbon AbatementEERE PowerDOE Nuclear/CCSEERE Energy efficiencyEERE TransportCost$2005/ton CO 2 e150Light trucks fuel economy packagesBiofuels cellulosicControl systemsLight Trucks HybridizationResidential100Residential electronicsbuildings –Shell retrofitsResidential buildings –new shell improvementsResidential50Commercialwater heatersbuildings –New shellimprovementsCoal mining -CH4HydrothermalEnergy efficiencyCars Plug-Inmeasures Hybridizationrepresent mostof the no-cost optionsEnhancedgeothermalsystemsManufacturing -HFCsAfforestation -pasturelandCoal powerCoal powerplants – CCSrebuilds withplant – CCSrebuildsResidentialEOROffshore windHVACequipmentCoal powerefficiencyplant – CCSCoal power plant –new buildsCCS new buildswith EOR00 0.2 1.2 1.4 1.6 1.8 2.02.2 3.0 3.2 3.4 3.6 3.8Industry – CCSNuclearReforestationVolumenew builds onExisting hydroBiomassGt/yearefficiencySolar CSPcarbon-intensivecofiring-50IndustrialprocessesgainsResidential windowsLand-basedprocessnew buildwindNew hydro inCommercialimprovementexisting damsNatural gas and petroleumHVACsystems managementequipmentCommercialAfforestation –efficiency-100buildings –Industry –croplandCFL lightingcombinedExisting hydro capacityheat andincreasesDistributedCoal-to-gasCommercialpower PV existing plantsLED-150BTP believes opportunitiesTechnology Share of Abatement VolumeResidential buildings – lighting%Power plantPowerCar Hydrogenfor Buildings are evenconversionTransportFuel Cell21CommercialVehiclesefficiencyelectronicsgreater than predicted14improvements-20010 DOE Nuclear/CCSCars HybridizationBuildingsCommercial buildings – combinedCars fuel economy packagesheat and power 28-2509Source: December 2008 analysis conducted by EERE with McKinsey usingIndustrial2008 DOE technology performance projections; mid-range case6 | Program Name or Ancillary Text

Budget HistoryBTP’s funding has increased dramatically over the past 5 years.400,000Budget History350,000300,000Equipment Standards andAnalysis1,000s)Budget ($250,000200,000150,000Technology Validation andMarket IntroductionEmerging TechnologiesCommercial Buildings Integration100,000 and Deployment50,000Residential Buildings Integrationand Deployment0FY 2005 FY 2006 FY 2007 FY 2008 FY 2009 ARRA FY 2010Source: U.S. DOE7 | Program Name or Ancillary Text

Buildings as the IntegratorRenewable Energy, Building Technologies, and Transportation become FullyIntegrated with Very Low Energy BuildingsBuildingTechnologiesEfficiency Technologies& Building IntegrationSolarPV and Solar HotWater TechnologiesFuel Cell, HydrogenInfrastructure, Plug in HybridsVery Low EnergyBuildings GoalTransportationDistributedEnergyCombined Heat andPower Technologies8 | Program Name or Ancillary Text

Capacity from Buildings forTransportationEnergy efficient appliances, equipment, lighting and advanced envelopesave electricity and natural gas to free up capacity for bridging fuels.9 | Program Name or Ancillary Text

Policies – Commercialization PathProduct Development/Market ConditioningMake Regulations More Viable and ProbablyR&DMarketIntroduction tiMainstreamDeploymentVoluntaryTOP RUNNERRegulationMandatoryLargest EnergySavingsTechnologyProcurementTraditionalR& DDemonstration ofCase StudiesFinancialIncentivesRating andLabeling ProgramApplianceStandards andBuilding CodesLabeling ForCompliance10 | Program Name or Ancillary Text 10

Advanced EnvelopeTechnologies• Highly Insulating & DynamicWindows– Goal U value 0.10 (SI U value 0.56)– Possible vacuum glazings– Passive heating– Dramatic peak cooling reduction– Market ready, prices will drop with more investment– SHGC (0.08 - .53)• Dynamic Insulation– Thermal mass effect in lightweight construction(phase change materials)• Reflective cool roofs and walls– Reflective near infrared pigments “cool colors”– White commercial roofs• Large array of under utilized products– Exterior insulation finishing systems– Air barriers– Window films– Automated shades– Solar shades and blinds– Radiant barrier– InsulationsPrototype in DOE LobbyU Value 0.18 (SI U value 1.0)SHGC 0.04 – 0.34Cool Roofs – Cool Buildings, Cities and the Planet1111 | Program Name or Ancillary Text

Infrastructure Required to SupportVoluntary Programs & Building Codes• Encourage environment to foster investment in cleantechnology• Cannot effectively implement policies without robustproduct rating and certification programs• Best to promote ISO standards (e.g. windows ISO 15099)• Cool roofs are a high priority for hottest regions(e.g. India, China, ASEAN, Brazil, etc)• Goal is to achieve 100 percent low e glass sales globally• Pursue passive envelope technologies to mitigate airconditioning i load growth in hot climates – envelopeefficiency packages for existing and new buildings (low eglass, window films, cool roofs and walls, radiant barriers,insulation, cool pavements, etc)12 | Program Name or Ancillary Text 12

Conduct Enabling Research• Case studies• Demonstrations• Test protocols• Design guidelines• Modeling tools• Industry standards• Education Materials13 | Program Name or Ancillary Text

DOE Assists with Technical Support Activities• Full range of software support tools, education materialsand expansion to new product categories• Continued financial support to assist industry in ratingand promoting efficient products14 | Program Name or Ancillary Text

New US DOE Secretary Chu DOE Facility CoolRoof Policy - Issued June 1, 2010A low-sloped roof (pitch less than or equal to 2:12) must bedesigned and installed with a minimum 3-year aged solarreflectance of 0.55 and a minimum 3-year aged thermalemittance of 0.75 in accordance with the Cool Roof RatingCouncil program, or with a minimum 3-year aged solarreflectance index (SRI) of 64 in accordance with ASTMStandard E1980-01. Steep-sloped roofs (pitch exceeding2:12) must have a 3-year aged SRI of 29 or higher.Requires R30 (U = 0.19) insulationIs required unless determined to be uneconomical bylife cycle cost analysis15 | Program Name or Ancillary Text

Key Japan and United States ActivityCollaboration to Achieve our Domestic Goals• September 2009 – Initial ZEB Workshop, Washington, DC• October 2009 – US DOE tour of advanced d buildingresearch organizations in Tokyo• March 2010 – Advanced Facades Workshop, Berkeley, CA• August 2010 – Study tour in Okinawa and HI, opportunityfor case studies• October 2010 – ZEB WorkshopCollaboration to Assist Developing Economies• APERC leading APEC CEEDS effort on Building Codes• US DOE providing co-funding to contractor and supportedexperts at first kick-off workshop, September 201016 | Program Name or Ancillary Text

Major Policy Areas for Developing CountriesZEBVoluntary –Energy Star,Incentives, RetrofitsMandatory Policy –Building Codes, LabelingInfrastructure – Product Ratings, ProductAvailability, Researcher /Modeling Training17 | Program Name or Ancillary Text

Final Remarks• The USA has initiated unprecedented investment inenergy efficiency and renewable energy• New technology will be essential to achieve lowcarbon, low energy buildings• Working with Japan can accelerate both ourdomestic agendas to realize a low carbon, lowenergy building’s sector• Japan and the United States t can help developingeconomies while opening up markets for our privatesectors; creating clean energy jobs for everyone18 | Program Name or Ancillary Text

Contact InformationP Marc LaFrance, CEMTechnology Development ManagerBuilding Technologies ProgramOffice of Energy Efficiency and Renewable EnergyUS Department of Energymarc.lafrance@ee.doe.gov1-202-586-9142Fax 1-202-586-4617www.eere.doe.gov19 | Program Name or Ancillary Text

More magazines by this user
Similar magazines