April 21 and 22, 2005 Chicago, IL

1. AN INFORMED DISCUSSION: Achieving Sustainability, Scale, and Impact in Community Development Finance April 21 and 22, 2005 Chicago, IL

2. CCA Global Partners the power to do more /11-15-04/HB/ccaoverview/ds

3. No one can be the best at everything. But when all of us combine our talents, we can and will be the best at virtually anything. - Dan Zadra

4. The best hope of solving all our problems lies in harnessing the diversity, the energy, and the creativity of all our people. - Roger Williams

5. CCA Global Partners Retail Sales / $ Billions (USD) • Leader in the retail industry • Network gross sales of $8 billion 04-21-05/HB/ccaoverview/jw

6. Our Growth Number of Stores Worldwide • Grown from a few member stores in 1985 to over 3,200 worldwide today • We are positioned to continue our dynamic growth and leadership position well into the 21st century

7. 74 2003 Our Growth • 74 consecutive quarters of profitability

8. $100 million Our Growth • $100 million net worth

9. Our Mission • To provide tools, products and services to help our members compete successfully in their markets and to assist in increasing their growth and profitability.

10. Our Model • CCA Global Partners provides it’s member stores with a business model for success • Management Systems • marketing • buying • technology • Maintain the lowest cost structure in the industry

11. The Concept Management Buying Marketing

12. Support Divisions Companies Carpet One USA Product & Merchandising The Biking Solution Marketing & Advertising Education & Training Flooring America Lighting One Human Resources Finance & Accounting Buying Tuxedo America International Design Guild Membership Recruiting Member Services ProSource Stone Mountain/GCO Legal Floor Expo Rug Decor Meeting Services CCA International Carpet One Canada National Accounts Insurance Real Estate National Programs Flooring One Lender’s One Advance Carpet One Information Technology

13. Creating the Magic Zone • National Programs • Real Estate Services • Store Design • National Accounts • Information Technology • Human Resources & Hiring • Product & Merchandising • Marketing & Advertising • Buying • Member Services • Training • Research • Best Service • Straight-shooters • Innovative • Respects and likes their customers • Honest • Confident • Real People • Smart Business People • Know Product • Staff Works Like a Team Empathetic Owner & Staff Professional Training Maximization of Profits Owners CCA Professional & Knowledgeable World-Class Marketing Growth of Business Increase Customers & Profit Lower Operational Costs Passion for Business Magic Zone

14. Our Focus • Conversion franchising in the mainstream retail segment • Franchise creation in the other market segments

15. What We Do For Our Member Stores • Negotiate and purchase product at competitive prices • Merchandising systems • Advertising and marketing programs • Technology solutions • Negotiate and secure locations • Education, sales training and sales management

16. What We Do For Our Member Stores • National Programs • National Accounts • Store Design • Research • Real estate

17. Our membership stores are recognized as the mostsuccessful, the most profitable and the bestmanaged in their industry

18. Flooring Retail – North America

19. More than 976 stores worldwide and growing • Full service specialty stores

20. Building Brands • CCA’s exclusive brands meet consumer needs • Carpet One brand recognition grew from 3% in 1992 to 41% today, and is number one in its category • Liz Claiborne has 95% consumer recognition • LEES For Living is the number three most recognized flooring brand • Good Housekeeping has a 99% recognition

21. More than 451 stores worldwide and growing • Full service specialty stores

22. High-End Flooring

23. 108 showrooms and growing • Focus on decorative and upscale retail market • Single-source access to finest flooring products from all over the world

24. Factory Outlet - Flooring

25. 126 stores in U.S. and growing rapidly • Taking advantage of off-priced shopping trend • Provides reduce pricing in factory outlet environment • Reduces overhead expenses and other costs

26. Offers a wide selection of area rugs through 26 outlet mall stores • To capitalize on the fastest growing segment of the floor covering industry

27. Residential Builders - Flooring

28. Membership representation in 22 of the top 25 builder markets • Installs flooring in one out of every three new homes in America • 120 locations

29. Wholesale Flooring

30. More than 144 showrooms in U.S. and Canada • Serves the flooring resellers • builders • designers • installers • contractors • Members-only showroom concept

31. Retail International - Flooring

32. Carpet One retail stores in Australia and New Zealand with 90 stores • Full service floor-covering retail stores

33. A joint venture of CCA Global and Associated Independent Stores • Largest independent buying group in the U.K. with over 226 locations

34. Residential and Commercial Lighting

35. Network of showrooms carrying high quality residential lighting and home furnishing accessories • 103 locations in the U.S.

36. Mortgage Aggregator

37. One of the largest aggregators of mortgage money in the U.S. • $40 billion in annual mortgage volume • Uses the combined strength of its members to negotiate exceptional terms on products and services • 515 Locations

38. Formalwear

39. A cooperative of premier independent bridal and men’s formalwear retailers • 264 locations throughout the U.S.

40. Biking

41. A partnership with Giant Bicycle Company, the world’s largest manufacturer of bicycles • Over 230 locations throughout the U.S.

42. 5,400 2008 Looking AheadCCA Global Partners • Planning to grow to 5,400 member stores by 2008

43. Growth Strategy • We will pursue an aggressive growth strategy over the next 5 years that can deliver 20% growth per year

44. We Have Built A Core Competency • A core competency is a GROUP OF SKILLS unmatched by competitors that would be difficult, expensive or time consuming to duplicate • A core competency is a source of sustainable competitive advantage

45. Why We Believe We Can Grow • We have the financial strength • CCA has a unique business model that is of value in other industries • We’re strong in most business areas • Very few franchises are skilled in the buying areas of the business

46. We Have Deep Resources • Our people • Our leadership team • Our member network • Our experience • Our capital – financially strong • Our information technology – to come • Our business processes

47. We Have Built A Platform • A platform is base from which we can launch new businesses or groups of businesses that would be synergistic • Cendant • ServiceMaster

48. The Plan • Acquire existing franchise systems or co-ops that are not fully meeting their franchisees expectations • If there is a market void start a new franchise/co-op

49. Possibilities Include • Home furnishings • Sporting goods • Pet supply stores • Paint & Wallpaper stores • And more! • Bedding • Office furniture • Jewelry • Building materials

50. You cannot discover new oceans unless you have the courage to lose sight of the shore. - Daniel Abraham