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The Lee/Wardrop Group

UBS Financial Services Inc.257 E. Main StreetBarrington, IL 60010888-400-0488www.ubs.com/team/lwg

Mission Statement

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Paul E. Lee, CRPC®, AIF®

DirectorFirst Vice President–InvestmentsPortfolio ManagerPortfolio Management ProgramAdvisory & Brokerage Services847-277-2133paul.e.lee@ubs.com

Scott C. WardropVice President–InvestmentsPortfolio ManagerPortfolio Management ProgramAdvisory & Brokerage Services847-277-2116scott.wardrop@ubs.com

Ryan T. LindgrenFinancial Advisor847-277-2131ryan.lindgren@ubs.com

Jacob R. NiggemannFinancial Advisor847-277-2103jacob.niggemann@ubs.com

Trena L. CoffeySenior Client Service Associate847-277-2122trena.coffey@ubs.com

The mission of the Lee/Wardrop Group is to assistour clients in pursuing their dreams through strategicplanning and sound financial advice. To execute thismission, part of our focus is to help clients make informed,confident decisions, prioritize their goals and create arealistic vision of their future.

It is from this commitment that we have built a successful advisorypractice based on trusted client relationships.

Chartered Retirement Planning CounselorSM and CRPC® are registered service marks of the College forFinancial Planning®.

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The Lee/Wardrop Group team members, from left, Scott Wardrop, Paul Lee, Jacob Niggemann, Trena Coffeyand Ryan Lindgren

Paul E. Lee, CRPC®, AIF®

Prior to joining UBS, I spent 16 yearsat Merrill Lynch as a Senior ResidentDirector and First Vice President. Asa former CPA, I draw upon my priorexperience by advising our clientsin the areas of estate planning,concentrated stock managementand alternative investments. I ama Chartered Retirement PlanningCounselor® (CRPC®) and an AccreditedInvestment Fiduciary (AIF®).

I received my bachelor in science degreein accounting from Indiana University.My wife, Kimberly, and I reside inBarrington, Illinois, with our threechildren.

Scott C. WardropPrior to joining UBS, I spent 16 years atMerrill Lynch as a Vice President. I focuson helping clients plan for their financialindependence by using probability-based financial planning tools. I alsospecialize in utilizing institutional moneymanagers and asset allocationmodeling.

I graduated from Denison Universitywhere I received my bachelor of artsdegree in economics. My wife, Cherie,and I live with our son in Wilmette,Illinois.

Our Focus and Experience

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Jacob R. NiggemannPrior to joining UBS, I spent the lastsix years with Merrill Lynch as theResident Director’s Assistant andhave been an integral part of TheLee/Wardrop Group’s success. I amresponsible for client acquisition andinvestment implementation.

I graduated from Northern IllinoisUniversity and received my bachelorof science degree in finance. I currentlyreside in Wauconda, Illinois.

Trena L. CoffeyPrior to joining The Lee/Wardrop Group,I spent the last six years working for CitiSmith Barney as a branch manager’sassistant in New York, New York. I amresponsible for all aspects of clientservice and administration.

I attended the University of Iowa. Myhusband, Michael, and I reside inChicago, Illinois.

Ryan T. LindgrenI joined The Lee/Wardrop Group in2001. Over the past eight years, I havefocused on helping clients in the areasof liability management, corporateretirement plans, retirement and collegeeducation planning.

I attended the University of Illinois atChicago and received my bachelor ofscience degree in finance. I currentlyreside in Chicago, Illinois.

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DRAFT

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Your Future Begins with a Conversation

Growing your wealthWe understand the importance ofestablishing a firm financial foundation.Whether you’re planning to purchasea home or accumulating assets to starta business, we’ll work with you todesign a personalized portfolio strategythat reflects your goals, time horizonand comfort level with risk. We arededicated to helping you pursue yourfinancial goals while providing youwith the highest level of responsiveand personalized service.

The UBS Client Experience

In delivering the UBS Client Experience, ourFinancial Advisors take the time to understandyour needs and goals and proactively provideappropriate solutions. We keep you informedon a periodic basis, and can monitor andupdate strategies, as appropriate, to respond toever-changing markets and your evolving needs.

Preserving your wealthOver time, you have planned andinvested prudently to build your wealth.We understand how important it is topreserve what you’ve worked so hard toachieve. That’s why we will work withyou to review your investment plan onan ongoing basis, making adjustmentsthat take into account factors such astaxes*, inflation and unforeseen eventsthat could undo a lifetime of work.

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Maintaining your lifestyleOnce you have attained a comfortablelevel of financial security, it may beprudent to review and adjust yourinvestment strategy. For example,funding higher education for yourchildren or purchasing a second homemay require access to significant capital.However, you may be reluctant to fundthese objectives directly from yourinvestments. With significant experiencein managing cash flow, we can helpensure you have access to funds whilestill maximizing your investment return.

Generating income throughretirementWhat does retirement mean to you?Your retirement vision is the basis ofyour retirement strategy, and we willspend time exploring the life youimagine. Then we can assess whetheryour retirement assets are sufficientto generate income for day-to-dayretirement expenses, fulfill theretirement dreams you hope to makea reality, keep pace with inflation andmeet healthcare costs. Together, we candevelop a personalized strategy to helpfund the retirement you envision.

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Focusing on Your Individuality

From years of listening to our clients, we have developedour practice with a focus on your specific needs.

Estate planning strategiesYou have spent your life accumulatingassets, and now you want to helpsecure the future of your loved ones.Together with your professionaladvisors, we focus on identifyingpersonalized estate planning strategiesthat can help minimize the effect ofestate taxes* while ensuring that yourestate will be distributed according toyour wishes.

In addition, with the help of ournationwide Attorney Networkprogram,** we can introduce youto an independent, experienced trustand/or estate attorney. There are morethan 350 attorneys in this establishednetwork with no fee for an initialconsultation. With the guidance ofan experienced attorney, we can helpyou establish a comprehensive estate

planning and philanthropic planningstrategy. You have worked hard to buildyour wealth over time, and we want tohelp you address the needs of thoseyou care about.

Wealth management forcorporate executivesAs a busy corporate executive,you may find you don’t have thetime to focus on the full range ofinvestment options available to you.We can help you understand thecomplexities of your personal orbusiness compensation. Given ourexperience, along with that of a UBSteam of specialists and the full breadthof our firm, we can help you managethe sale of restricted stock, lump-sumdistribution strategies, 10b5-1 tradingplans and concentrated holdings.

* Neither UBS Financial Services Inc. nor any of its employees provide legal or tax advice.You must consult with your legal or tax advisor regarding your personal circumstances.

** Attorneys in the Attorney Network program are independent of, and unaffiliated with,UBS Financial Services Inc.

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Transferring wealth to othersThere are people in your life who youcare about, and you may have one ormore favorite causes you want tosupport financially. How do you balancecaring for yourself, your loved ones andmaking a difference in your communityor the world at large? And how canyou position your assets to continueproviding financial support after you’regone?

Together with our team of dedicatedspecialists in strategic estate planning,wealth transfer and gifting techniques,we can help you identify personalizedfinancial strategies to support thepeople and causes you care aboutwhile continuing to provide for yourown needs now and in the future.Working with your attorney and otherprofessionals, we can determine howthese strategies can also reduce theimpact of taxes on your estate.*

Personalized financial strategies forwomenSince women often find themselvessolely responsible for their financialwell-being at some point in their lives,we will work with you to create apersonalized investment strategy thatwill help preserve your assets now,as well as help you create a wealthmanagement plan for the future. Weunderstand how important it is to youto live comfortably, independently andwithout the worry that you will outliveyour assets.

Wealth planning for domesticpartnershipsYou want and deserve a financiallysecure future, but navigating yourway through a wealth managementplan can be complicated for unweddomestic partners. As changesoccur in the law and in corporategovernance, together with yourprofessional advisors, we can helpyou understand how those changescan impact you and your partner froma strategic perspective—from buying ahome and planning for retirement, tocreating and implementing estateplanning strategies.

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Investment strategies tailored toyour small businessAs a small business owner, it’simportant that you work with afirm that understands the financialrequirements, risks and rewards of asmall business. We are familiar withstrategies for meeting start-up costsand overhead charges, as well asfunding capital expenditures. Wecan help you grow your business byappropriately balancing your investmentand liquidity needs and providingyou with access to current accountinformation at all times.

Structuring an investment programfor your healthcare practiceWith many years of experience helpinghealthcare professionals, we candesign a personalized investmentprogram that will address any cashflow concerns while providing youaccess to information about yourpractice’s finances. We’ll also presentretirement and insurance alternativesfor you and your employees and canhelp you plan for the succession ortransfer of your practice.

Managing the finances of your lawpracticeAs an attorney, you’re often subjectedto an unpredictable income stream.Case loads vary, appeals can delaythe payment of your fees and anyfees may be contingent on amountsawarded to your client. These and otherfactors can present challenges for yourpractice. Having worked with manyattorneys, we know how to designpersonalized investment strategies tohelp you pursue your long-term goalswhile addressing liquidity and financingconcerns as they arise.

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UBS: Our Global Strength.Your Individual Vision.

As a UBS client, you benefit from the experience of oneof the world’s leading wealth management firms.

We have been serving affluent individuals, corporations, institutions andgovernments for over 150 years. Through our teams of professionals aroundthe globe and their diverse expertise across a range of disciplines, we are committedto helping each client realize their own vision for financial success.

Our relationship with youOur work ethic is simple and powerful. It is based on the value of collaboration.We work side by side with our clients, taking the time to understand their individualneeds and goals and the dreams they have for themselves, their families and theirfuture. This deep understanding, combined with the powerful global resources weare able to access on your behalf, lay the foundation for the relationship we call”You & Us.“

UBS Wealth Management Research

UBS Wealth Management Research is dedicated to providing the information andinsights you need to make informed financial decisions. Backed by the internationalresources of one of the world’s leading wealth management firms, we havedeveloped a global network of analysts who conduct research on markets andtrends relevant to individual investors. And at UBS, you have direct access to theseexperts through our team†.

Important Information about Advisory & Brokerage Services

It is important that you understand the ways in which UBS Financial Services Inc. (UBS) conductsbusiness and the applicable laws and regulations that govern the firm. As a firm providing wealthmanagement services to clients in the U.S., UBS is registered with the U.S. Securities and ExchangeCommission (SEC) as an investment adviser and a broker-dealer, offering both investment advisoryand brokerage services. Though there are similarities among these services, the investment advisoryprograms and brokerage accounts UBS offers are separate and distinct, differ in material ways andare governed by different laws and separate contracts.

It is important that you carefully read the agreements and disclosures UBS provides to you aboutthe products or services offered. While UBS strives to ensure that these materials clearly describe thenature of the services provided, please do not hesitate to contact your Financial Advisor team, TheLee/Wardrop Group, if you would like clarification on the nature of your accounts or services youreceive from us.

For more information, please visit our web site at www.ubs.com/workingwithus

† Two sources of research are available to UBS Financial Services Inc. clients. One source is written byUBS Wealth Management Research (WMR). WMR is part of UBS Global Wealth Management &Business Banking (the UBS business group that includes, among others, UBS Financial Services Inc.and UBS International Inc.), whose primary business focus is individual investors (Private Clients).The other source is written by UBS Investment Research. UBS Investment Research is part of UBSInvestment Bank, whose primary business focus is institutional investors. The Private Client reportstyle, length and content are designed to be more easily used by Private Clients. Because bothsources of information are independent of one another and reflect the different assumptions, viewsand analytical methods of the analysts who prepared them, there may exist a difference of opinionsbetween the two sources. Neither the Institutional report nor the Private Client report is necessarilymore reliable than the other.

The various research content provided does not take into account the unique investment objectives,financial situation or particular needs of any specific individual investor. If you have any questions,please consult your Financial Advisor.

UBS Wealth Management Research is provided by UBS Financial Services Inc. and UBS AG.UBS Financial Services Inc. is a subsidiary of UBS AG.

©2009 UBS Financial Services Inc. All Rights Reserved. Member SIPC. All other trademarks, registered trademarks,service marks and registered service marks are of their respective companies.

17539887UBS Financial Services Inc. is a subsidiary of UBS AG.