ATRAFIN American Trade & Finance Company NAMPO Harvest Day 2011 Trade Finance for the Agriculture Sector

About Atrafin American Trade & Finance Company (“ATRAFIN”) and its affiliates have been providing successful trade finance solutions for more than 20 years and have concluded hundreds of cross-border financings in emerging markets worldwide. 2

About Atrafin ATRAFIN utilizes the programs of the Export-Import Bank of the United States (Ex-Im Bank) to help US exporters and their distributors increase exports by providing their emerging market buyers with competitive financing for their purchases of U.S. capital goods and services. 3

Atrafin’s Focus Master Guarantee Agreement with Ex-Im Bank. Provides competitive financing to emerging market buyer of U.S. capital equipment. ATRAFIN is a direct lender, not a broker or intermediary. ATRAFIN supports both sides of the transaction: U.S. exporter and emerging market importer. 4

Competitive Advantages Experienced Team of International Lenders. Experience working with emerging market buyers in agriculture sector. Experience working withEx-Im Bank. Geographic Coverage in key African Markets. ATRAFIN simplifies the Ex-Im Bank financing process for the buyer and seller to accelerate the approval process. 5

Atrafin can finance US equipment shipped to a third country based on an Ex-Im Bank determined acceptable external country credit risk. The above is challenging for Local Banks because the financed asset will be located outside of the country (ex: in Africa) Challenging for Local Banks at destination because company operations are located outside of the country. This fills a key gap in commercial financing Equipment shipped to a third country

ATRAFIN Financing in the Agriculture Sector Term Loans for imports of U.S. capital equipment. Floor Plan Financing for dealers and distributors of U.S. capital equipment. Financing for imports of U.S. agricultural commodities, raw materials or other inventory items. 7

Financing for Imports of U.S. Capital Equipment U.S. equipment and services are eligible. Financing for 85% of contract value. Loans in USD. Repayment terms of 3 to 5 years. Loans from $150,000 to $10 million. Competitive interest rates. 8

Financing for Imports of U.S. Raw Materials U.S. agricultural commodities, raw materials and other inventory items are eligible. Short-term, USD lines of credit for purchases of U.S. products from U.S. suppliers. Repayment terms up to 365 days per advance. Competitive interest rates. 9

Floor Plan Financing for Dealers & Distributors of U.S. Equipment Dealers & distributors can finance their purchases of US equipment on a short-term basis. Short-term obligation converts to a medium- term obligation to support resale to customers on credit terms. Enables dealers to offer financing terms of up three years to their customers. 10

Relationship between the parties ATRAFIN BORROWER BUYER EXIM BANK USA EXPORTER Order Goods Pay 15% Ship Goods Open LC Docs Pay 85% Obtain Guarantee Pay Exposure Fee Agree on Finance Obtain Application Info Loan Docs Repayment

3 years of financials and related information (pro- forma) Obtain letter from Guarantor bank agreeing to Guarantee transaction Issue Proposal (Term Sheet) Borrower Signs and pays deposit as sign of good faith Underwriting questionnaires (background and financial) References Application to Ex-Im Bank The Process

The Process (continued) Approval by Ex-Im Bank Documentation (Credit Agreement/note and Funding) LC to Exporter; Funding

Sample Transactions 14 Sugar Farm $323,000 Five-Year Loan for Import of Agricultural Equipment from the U.S. Zambia

Sample Transactions 15 Tomato Farm $875,000 Five-Year Loan for Import of Agricultural Equipment from the U.S. South Africa

Sample Transactions 16 Grain Grower & Processor $746,000 Five-Year Loan for Import of Grain Storage Equipment from the U.S. Latvia

Sample Transactions 17 Manufacturer of Fertilizers $1,000,000 Short-Term Line of Credit for Import of Agricultural Chemicals from the U.S. Brazil

Sample Transactions 18 Dealer-Distributor of Agricultural Equipment $3,653,000 Five-Year Loan for Import of Agricultural Equipment from the U.S. Israel

Atrafin Contact Harry Kaplan Chief Executive Officer Atrafin LLC American Trade & Finance Company