March 2009

Cabrera Capital Markets, LLC

Merchant Banking Division

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� Cabrera Capital Markets, LLC� Company Background

� National Presence

� Company Structure

� Growth

� Merchant Banking Division

� Recent Transactions

� Sample Target Investors

� Key Professionals

Table of Contents

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Cabrera Capital Markets, LLCCompany Background

Cabrera Capital Markets, LLC is an investment banking and institutional brokerage firm headquartered in Chicago’s financial district. We provide a range of services to a substantial and diversified client base that includes financial institutions, corporations, unions, foundations, endowments, and state and local governments. At the core of our business is our commitment to our clients and focus on building lasting relationships.

We consistently aim to anticipate the rapidly changing needs of our clients and provide innovative and creative solutions to their needs.

Cabrera Capital Markets, LLC is the only Hispanic-owned investment bank that is headquartered in the Midwest, and one of the few throughout the country.

4

n

New York CityNew York City

PhiladelphiaPhiladelphia

Chicago Headquarters

Chicago Headquarters

Los AngelesLos Angeles

Santa FeSanta Fe

Pepper PikePepper PikeChicago Stock

ExchangeChicago Stock

Exchange

AtlantaAtlanta

BostonBoston

MiamiMerchant Banking Division

Opening soon

MiamiMerchant Banking Division

Opening soon

San AntonioSan Antonio

Cabrera Capital Markets, LLCNational Presence

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Cabrera Capital Markets, LLC

Cabrera Capital Markets, LLCCompany Structure

Cabrera Capital Partners, LLC

Fixed Income Division

Equity Division

Merchant Banking Division

Taxable Product Division

Underwriting

Sales & Trading

Transition Management

Municipal Product Division

Underwriting

Sales & Trading

Underwriting

Sales & Trading

Stock Repurchase

Transition Management

Transaction Advisory Services

Capitalization

Mergers & Acquisitions

Business Valuations & Fairness Opinions

Cabrera Multi-Manager

Investments, LLC

Cabrera Diversified Global Fund

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Cabrera Capital Markets, LLCUnparalleled Growth

Cabrera Negotiated Underwriting Participations

3 5 9

24

38

70

115123

$-

$20

$40

$60

$80

$100

$120

$140

2001 2002 2003 2004 2005 2006 2007 2008

� Cabrera Capital Markets is a fast-growing firm that has participated in approximately 250 transactions totaling over $300 billion in proceeds as of year-end 2008.

� Since its inception in 2001, Cabrera has grown to 9 offices throughout the country; with an office in Miami opening soon.

In billions

+ 84%

+ 64%

+ 58%

23

0

12004

Cabrera Negotiated Underwriting Participations

113976235Co-Manager

5232Co-Senior

51651Senior Manager2008200720062005Role

+ 7%

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� Cabrera Capital Markets, LLC

� Merchant Banking Division� Strategy

� Capabilities

� Sector Focus

� Differentiation

� Recent Transactions

� Sample Target Investors

� Key Professionals

Table of Contents

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� Who We Are - Cabrera Merchant Banking is the merchant banking division of Cabrera Capital Markets, LLC. We provide US Hispanic Market and Latin America focused companies with comprehensive advisory services. Our transaction advisory practice advices clients considering strategies such as: business expansions; infrastructure projects; acquisitions and divestitures; and capital equipment financing structures.

� Companies seeking growth capital with the following characteristics:

� Equity & Debt Funding: $5 to $250 million

� Projected EBITDA: $1 to $50 million

� Growth rate range: 15% to 30%

Our focus is on small market businesses that target the US Hispanic market; established and successful businesses with a commercial presence or focus on Latin America; and Latin

American businesses expanding into the US.

Merchant Banking Division Strategy

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� Experienced Track Record – Cabrera Merchant Banking’s team has the expertise, experience, and resources to successfully advise your company through the capital raising process. Our merchant banking team will help determine the optimal structure of an offering by evaluating:

� The business plan and identify the opportunities for growth and calculate the financial requirements of pursuing such opportunities

� The company’s operating history and nature of assets

� The degree of ownership sought to be maintained

� The company’s historic, current, and projected cash flows

� Funds for Expansion - Expanding your business often requires a significant infusion of capital. For your private company, an initial private or institutional offering is the main funding source while attracting new investors and advertising your products or services. Our merchant bankers work with your team from the initial assessment through the completion of the offering. Cabrera Merchant Banking can offer your company:

� Exposure to a wide variety of institutional investors

� Advise on how to source your capital needs

Merchant Banking Division Strategy (continued)

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� Cabrera Merchant Banking Divison’scapital raising capabilities include straight equity via convertible and preferred debt, and high-yield corporate bonds.

� Cabrera Merchant Banking Divison addresses the intricacies of acquisitions and divestitures with a highly knowledgeable team of seasoned professionals who specialize in mergers, acquisitions and leveraged buyouts. The M&A group is further supported by Cabrera Capital Markets, LLC who specializes in a wide range of industries and types of financing to ensure that clients are provided with the most up-to-date market and industry information. Our M&A Group has completed numerous M&A, advisory and private domestic and international placement assignments over the last twenty years.

Areas of expertise include:

� Sales of Companies and Divestitures

� Mergers, Acquisitions, and Tender Offers

� Leveraged Buyouts

Merchant Banking Division Capabilities

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� Capitalization - Utilizing our deep relationships with traditional and alternative institutional investors, we efficiently raise or negotiate the placement of new capital at all levels of a company’s capital structure. We analyze and craft the appropriate capital structure for a company and place the securities through privately marketed and negotiated transactions.

� Business Valuations - We have appraised a broad range of businesses worth from $500,000 to as much as $200 million. Our staff conducts valuations for a variety of entities, including: ongoing small and medium sized businesses and larger company divisions with the aim of divestiture.

� Fairness Opinions - Cabrera Merchant Banking supports boards of directors, investors, trustees, and other corporate and organizational leaders in performing their fiduciary responsibilities by providing such parties with unbiased opinions as to the financial fairness of pending transactions.

Merchant Banking Division Capabilities (continued)

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� We take a generalist approach to our advisory practice; however, we divide our services into the US Hispanic Market and the Latin American Market. Within the US Hispanic Market we help capitalize those companies led by Hispanic management teams; or companies that target the growing US Hispanic market. Within the Latin American Market we help capitalize those companies involved in infrastructure development projects and regular ongoing commercial activities benefiting from booming economic cycles and stable political platforms. We dissect each market into the following sectors:

Latin America Market SectorsUS Hispanic Market Sectors

�Infrastructure

�Education

�Transport

�Irrigation & Drainage

�Energy

�Telecom

�Water

�Consumer Goods & Services

�Financial

�Healthcare

�Business Services

�Manufacturing

�Media

�Food & Beverage

�Retail

�Real Estate

�Consumer Goods & Services

�Financial

�Healthcare

�Business Services

�Manufacturing

�Media

�Food & Beverage

�Retail

�Real Estate

Merchant Banking Division Sector Focus

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� Distribution capabilities to place a significant volume of securities with institutional investors.

� Diverse investor base that includes: Financial Institutions, Corporations, Money Managers, Mutual Funds, Pension Funds, State and Local Governments, Unions, Endowments and Foundations

� Access to deep pools of liquidity.

We are a reputable team exceptionally qualified to leverage the entire resources of the firm to lead- manage or co-manage significant transactions through our growing franchise

Merchant Banking Division Differentiation

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� Cabrera Capital Markets, LLC

� Merchant Banking Division

� Recent Transactions

� Sample Target Investors

� Key Professionals

Table of Contents

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Recent Transactions

We aggressively participate in primary offerings to place a significant volume of securities with institutional investors.

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Recent Transactions

We aggressively participate in primary offerings to place a significant volume of securities with institutional investors.

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Recent Transactions (continued)

We aggressively participate in primary offerings to place a significant volume of securities with institutional investors.

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Recent Transactions (continued)

We aggressively participate in primary offerings to place a significant volume of securities with institutional investors.

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Recent Transactions (continued)$28.5 Billion in Hybrid Transactions

Cabrera Capital has recently participated in high profile offerings to help our clients raise Tier 1 equity capital.

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� Cabrera Capital Markets, LLC

� Merchant Banking Division

� Recent Transactions

� Sample Target Investors

� Key Professionals

Table of Contents

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Alliance Capital Management

Blackrock

CalPERS

CalSTRS

INVESCO

Legg Mason

Lehman Asset Management

Loomis Sayles

Merrill Lynch Asset Management

Morgan Stanley Investment Management

Ohio State Teachers

PIMCO

Russell Investment Group

State Street Global

UBS Global Asset Management

Wellington

WAMCO

Ariel Capital

Boston Partners

Chicago Asset Management

Chicago Equity Partners

Cypress Asset Management

Friess Associates

Harris Investment Management

Keeley Asset Management

LM Capital

Mesirow Financial

Montag & Caldwell

Pugh Capital

Smith Graham

Taplin, Canida & Habacht

Van Kampen

Waddell & Reed

Wells Capital Management

William Blair

Acon Investments

Aldus Equity

American Growth

American Value Partners

Bastion Capital

Bravo Equity Partners

Centinela Capital Partners

Carpenter & Co.

Clarity partners

Clearlake Capital Group

Craton Equity

CSFB

Darby – BBVA Latin America Private Equity Fund

Hispania Capital Partners

Nogales Investors

Palladium Equity Partners

Pinto

Teacher’s Retirement System of the State of Illinois

UIB Capital

We have unique

relationships with

institutional investors who rely on our high level of

service, efficient

execution and customized solutions

Sample Target Investors

By effectively penetrating small and mid-sized

institutional investors we

provide a distribution

platform that well

complements the large funds.

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� Cabrera Capital Markets, LLC

� Merchant Banking Division

� Recent Transactions

� Sample Target Investors

� Key Professionals

Table of Contents

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Charles P. García, Managing Director of Merchant BankingMr. Garcia is a former White House Fellow, graduate of the US Air Force Academy and Columbia Law School Graduate. In 2006, he sold his investment banking firm, which grew from three people to 60 offices in seven countries; Inc. magazine identified it as one of the top ten fastest-growing privately held companies in the United States. In 2002, Hispanic Business Magazine named his firm the #1 fastest growing Hispanic firm in the US. Garcia was named entrepreneur of the year by three national organizations. He is on the boards of Fortune 500 companies and serves as the Chairman of the Board of Visitors of the U.S. Air Force Academy. cgarcia@cabreracapital.com

Camilo Salomon, Managing Director of Merchant BankingMr. Salomon is an investment banker with over twenty years of international experience in business development, project finance, corporate finance, credit enhancement, hands-on corporate management at C-level and corporate governance of privately-owned companies.

Prior to joining the Merchant Banking division at Cabrera Capital Markets, LLC, Camilo joined vFinanceInvestments, Inc. to develop an investment banking practice for the Global Hispanic Market. It provided services to Hispanic ventures in search of capital and to Institutional Investors aiming to deploy assets in this market.Camilo holds a Bachelor’s of Science degree in Business Administration, with a Major in Finance from Los Andes University in Bogotá, Colombia. Is an active member of the Young Presidents’ Organization. He was awarded the keys to the City of Miami and NASA recognized him with the Small Aircraft Transportation System Excellence Award. csalomon@cabreracapital.com

Cabrera Capital Markets Merchant Banking:Team

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Cabrera Capital Markets Merchant Banking:TeamJulio Tupac, Vice President of Merchant BankingMr. Tupac has over 10 years of experience in investment banking and corporate finance in Latin America and the United States. Julio has substantial investment banking experience in the US Hispanic market. He has completed transactions in project finance, financial restructuring and operational consolidation in the food and beverage, retailing, telecommunications, semiconductors, consumer goods, and financial service sectors; among other industries.

He is a graduate of Columbia University Engineering School and holds an MBA from Florida International University. jtupac@cabrecapital.com

Edward H Gonzalez, Associate of Merchant BankingMr. Gonzalez has a focused financial and legal background with over 5 years of experience in transaction advisory services. He undertakes the research, due diligence investigatory, business valuations and financial analysis role in the Merchant Banking division.

Edward holds both Master of Science in Finance and Bachelor of Business Administration degrees from Florida International University. Edward attended St. Thomas University School of Law in Miami, Florida and is currently pursuing the Chartered Financial Analyst designation. egonzalez@cabreracapital.com

Angela Murcia, Analyst of Merchant Banking Ms. Murcia has extensive experience in financial operations and compliance. At Cabrera Capital Markets LLC, she oversees all administrative aspects of the Merchant Banking Dept and performs the analytical research, financial due diligence, prepares the power point presentations, and prepares document translations.

She earned her Master of Business Administration degree in International Business, from Schiller International University and has a Bachelor in Business Administration degree in finance and government from the Externado de Colombia in Bogota, Colombia.