(Text Only Website Content) MUTUAL SUCCESS IS THE CORNERSTONE OF OUR BUSINESS.

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1 STONE ADVISORS LP (Text Only Website Content) MUTUAL SUCCESS IS THE CORNERSTONE OF OUR BUSINESS. Stone Advisors is a Dallas-based and privately owned Buyout Company with a demonstrated record of acquiring and building successful businesses. The success of those businesses is what makes us succeed at ours. Stone Advisors is a Dallas, Texas-based buyout firm. The Managing Partners of Stone Advisors have honed their professional skills from acquiring and managing the Stone Holdings, Inc. portfolio of business investments, in addition to strategically advising a diverse client base of third-party businesses. Stone Holdings was a private investment company with diversified investments in financial services, information technologies, education, and Web-based services. A common denominator among the Managing Partners of Stone Advisors is that we have a track record of helping businesses be successful at critical stages in the business lifecycle. We understand, well, the fundamentals of business success, starting with a company-specific factbased business strategy that can be communicated with clarity and executed flawlessly by a committed business management team. INTEGRITY-DRIVEN Everything we do at Stone Advisors starts with an insistence on absolute integrity. TEAM APPROACH Stone Advisors builds strong relationships with its partners. We consider management equity ownership as one of the cornerstones of our investment philosophy. Stone Advisors offers Key Executives the opportunity to build wealth commensurate with their contributions to the success of the business. STRATEGICALLY FOCUSED While Stone Advisors does not interfere with management s day-to-day operation of portfolio companies, it closely monitors such operations and uses its wealth of knowledge and experience to strategically position the business to drive growth and value in collaboration with the management team. VALUE-BUILDING PARTNER Stone Advisors professional team is skilled at driving business strategy and execution together to drive value.

2 A distinctive differentiation of Stone Advisors versus other buyout groups is the rigorous integration of the Stone Advisors Seven Management Disciplines for Highly Effective Businesses methodology ( Seven Disciplines Model TM into every initiate we undertake. The Seven Disciplines Model TM is based on the application of seven (7) strategic management disciplines: Strategy Management Human Resources Management Systems Technology Management Product Management Customer Experience Management Financial Management Risk Management The Seven Disciplines Model TM has been successfully integrated into virtually every business initiative pursued under the leadership and guidance of the Managing Partners of Stone Advisors during the past 15 years. The Seven Disciplines Model TM is particularly effective at helping our portfolio businesses achieve success by driving improvement in every aspect of operations. THE SEVEN MANAGEMENT DISCIPLINES FOR HIGHLY EFFECTIVE BUSINESS 1. STRATEGY MANAGEMENT Strategically Planning and Strategically Executing for Successful Business Competitiveness to Create Sustainable Business Value 2. HUMAN RESOURCES MANAGEMENT Acquiring the Right Human Capital and Managing Organizational Dynamics to Create Business Value 3. SYSTEMS MANAGEMENT Managing Technology Tools and Physical Facilities Systems That Enable the Creation of Business Value 4. OPERATIONS MANAGEMENT Managing New Product Development and the Production/Delivery Operating Processes That Produce Business Value 5. CUSTOMER EXPERIENCE MANAGEMENT Acquiring, Managing, and Keeping Profitable Customer Relationships That Provide the Foundation for Business Value

3 6. FINANCIAL MANAGEMENT Managing Financial Capital, and Financially Growing Measurable and Recognizable Business Value 7. RISK MANAGEMENT Avoiding, Mitigating, and Transferring Business Risks That Decrease Business Value TRANSACTION TYPES A. TRADITIONAL BUYOUTS 1. Corporate Divestitures Often a large corporation makes a strategic decision to divest a non-core, mature and, in many cases, troubled business. Stone Advisors will assist the managers of the business unit to acquire it from the parent company. 2. Management Buyout of a Private Company Purchase of a privately-held business by incumbent management, especially where family succession is not an option 3. Typical Investment Candidates Equity Investments which result in an acquisition of control Investments in various types of securities as appropriate for a particular transaction (common stock, preferred stock, equity-linked debt instruments) Niche Manufacturing, Distribution and Service Companies Sales between $10 Million an $100 Million Complex situations and turnarounds With or without management Worldwide We do not pursue start-ups, early-stage opportunities, or invest in oil and gas or real estate. B. QUICK-CLOSE BUYOUT Stone Advisors considers itself a strategic business partner to Business Owners in a Quick-Close Buyout, and seeks to return a net present value recovery for Business Owners greater than if the Business Owner pursued other sell strategies through traditional disposition approaches. If Stone Advisors cannot add value to you through a Quick-Close Buyout of your business assets, we let you know that, up-front, and will recommend alternative disposition strategies that will yield a greater value to you. The Quick-Close Buyout transactions targeted by Stone Advisors usually involve businesses with one, or more, of the following characteristics:

4 Businesses with mature or declining revenues Businesses in distress with operating losses Businesses with incomplete or insufficient management talent Businesses with loan defaults to creditors Businesses with conflicting shareholder positions Businesses with material litigation risks Businesses facing bankruptcy Quick-Close Buyout is, essentially, a four-step disposition process for Business Owners. First Step After receipt of due diligence materials, Stone Advisors will review the business financial and operational history with a three (3)-day due diligence period and we will let the Business Owner (or Business Broker) know of Stone Advisors interest in a Quick-Close Buyout within one (1) day after the due diligence period. Second Step Within two (2) days after completion of the First Step, Stone Advisors will present a buyout offer to the Business Owner, based on a Seller-financed sales price. The Seller-Financed sales price is usually in excess of a cash sales price and will result in a greater overall sales price for the Business Owner. The portion of the sales price being seller-financed by the Business Owner is usually financed by Secured Debt and/or Preferred Stock. Third Step The buyout transaction is closed and transfer of business asset is consummated within twenty (20) days of the Business Owner s acceptance of the Quick- Close Buyout offer, with short, simple, straight-forward closing documents containing minimal legal representations and warranties; and Fourth Step The Seller-financing is refinanced and/or repaid to the Business Owner in cash, usually within a 2 3-year timeframe. To be sure, there are financial and operational risks to Business Owners in a Quick-Close Buyout, if the business subsequently fails and the Seller-financing is not repaid: 1. The Business Owner risks taking back the business asset with a subsequent recovery value less than the original sales price established by the parties, and 2. The Business Owner risks spending valuable time, money, and effort selling or liquidating the business asset a second time. Under a Quick-Close Buyout, these risks to Business Owners are mitigated in the following ways: 1. Stone Advisors and the Business Owner mutually agree on a defined business strategy, up front, for managing the business post closing.

5 2. Stone Advisors agrees in the closing documents to legal provisions that distributions to Stone Advisors (other than agreed management fees and tax payments) will not be made until the Seller-financing is paid in full. 3. There are legal provisions in the documents that allow the Business Owner to be involved in specified material event decisions until the Seller-financing is paid in full. 4. Stone Advisors is motivated to ensure business success and repayment of Seller-financing on schedule, since Stone Advisors will lose all its invested capital, including pursuit ad closing costs, if the business fails. 5. Most importantly, Stone Advisors will incur lost opportunity costs and business reputation loss, if the business is not, ultimately, successful and the Seller-financing is not repaid as agreed. The Managing Partners of Stone Advisors have the personal integrity, business management skills, and professional track record to ensure business success, so that Business Owners are comfortable with a Seller-financed Quick-Close Buyout transaction. Example of a Stone Advisors Quick-Close Buyout Transaction In 2002, Stone Advisors led a Quick-Close Buyout of Universal Flooring and engineered hardwood flooring company with global operations in the U.S., Europe, and Asia/Pacific. Universal Flooring was a non-core business asset of LifeStyle Furnishings International, LLC. A liquidation value for the business was established at $5 million. A sales price was then agreed to at $8 million, with the purchase price Seller-financed through both secured debt and preferred stock. Stone Advisors was the Managing General Partner of Universal Hardwood Flooring, LLLP, the acquisition entity for acquiring the Universal Flooring businesses. When Stone Advisors acquired Universal Flooring, it was a declining revenue business with breakeven operations, at best. Under Stone Advisors leadership, Universal Flooring grew its revenue base by nearly 40% and returned Universal Flooring to positive EBITDA earnings. In 2005, Universal Flooring was sold to a strategic buyer and the Seller-financing was paid in full. Stone Advisors would welcome an opportunity to discuss with you how a Quick-Close Buyout can help you dispose of mature or non-core business assets you want, or need, to sell for strategic reasons. TRANSACTION HIGHLIGHTS Bluebonnet Savings Bank FSB Texas-based Federal Savings Bank organized under the Southwest Plan for Rescuing Failed Thrifts in Texas. Successfully liquidated in 2003 after a 15-year history. National Fraud Center

6 Investigative and Consulting Firm specializing in Fraud Prevention, Restitution and Recovery. Sold to LexisNexis in Universal Hardwood Flooring Manufacturer of Hardwood Flooring. Sold to Columbia Flooring in ebureau Predictive Scoring Platform NFC Global Provider of International Due Diligence. IntegriView Provider of Applicant Integration Screening Solutions for the Retail Industry. Imissary Provider of Data Mining Solutions. Sold to CSIdentity in EP Manufacturer of LED Emergency Lights for Law Enforcement Vehicles. Sold to Armor Holdings in PeopleWise Web-based Provider of Pre-Employment Screening Solutions. Sold to LexisNexis in RiskWise Provider of Automated Identity Verification and Risk Management Solutions. Sold to LexisNexis in Informera LLC Provider of Information Services to the Restaurant Industry. Sold to MicroFrame Corp. in LEADERSHIP R. Brad Oates Partner

7 Suite FAX: T. Kevin Fox Partner Suite FAX: Dr. Dede Casad Advisory Board Member Suite FAX: Omar Harvey Advisory Board Member Suite FAX: CONTACT: Please feel free to call us to discuss any situations where we can help you be successful. Managing Partners: R. Brad Oates T. Kevin Fox Advisory Board Members: Dr. Dede W. Casad

8 Omar Harvey Administration: Pat Clemens We will keep all material submitted to us in the strictest confidence and return any materials upon request. We will be pleased to schedule an appointment with you at your convenience to discuss how we can add value to your business. We would be pleased to answer any additional questions, receive your comments, or send you additional information on Stone Advisors or any of our portfolio companies. Stone Advisors LP Suite FAX: DRIVING DIRECTIONS From DFW Airport 1. From terminals, use the NORTH Airport Exit 2. Look for I-635 East 3. Merge onto I-635 East to Dallas 4. Continue on I-635 E (past I-35 and North Dallas Tollway) 5. Look for US-75 S (Central Expressway South) 6. Fork right onto US-75-S (Central Expressway South) 7. Take the LOOP-12/NORTHWEST HWY EXIT 5A toward CARUTH HAVEN LN. 8. Keep LEFT to CARUTH HAVEN LN. 9. Make a U-TURN at the CARUTH HAVEN LN. Intersection. 10. After U-Turn, pull immediate right into parking lot of the first GOLD BUILDING 11. Stone Advisors LP is located at, Suite # Once on the 19 th floor, please dial 1972 on the courtesy telephone. From Love Field Airport 1. Exit the airport and turn left toward MOCKINGBIRD LN. 2. Veer RIGHT on MOCKINGBIRD LN. 3. Turn LEFT at GREENVILLE AVE. 4. Turn LEFT at CARUTH HAVEN LN. 5. Turn right into the parking lot of the GOLD BUILDING 6. Stone Advisors LP is located at, Suite # Once on the 19 th floor, please dial 1972 on the courtesy telephone.

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