It's your future, not just your money

The Rockville Bridge Group atMorgan Stanley Smith Barney

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We enjoy serving our clients and believe that two priceless

commodities measure the success of our relationship: trust

and loyalty

Our MissionAs your Financial Advisors, our mission is to helpmake your wealth work as hard as it can. That takesmuch more than simply opening an IRA or investingin a mutual fund, or even selling a stock at the righttime. Instead, it starts by understanding what’s reallyimportant to you whether it’s retirement, a child’seducation, or preserving assets for heirs. We seek tocreate a thorough, integrated financial plan, one thathelps you live the life you envision for yourself andyour family.

Our VisionWe enjoy serving our clients and believe that two priceless commodities measure

the success of our relationships: trust and loyalty. By listening attentively to your

financial needs and consistently delivering the breadth of advice to help address

those needs, we believe our relationship will be strengthened over the long term.

This approach has positioned us in many of our clients’ inner circle of primary

advisors.

MORGAN STANLEY SMITH BARNEY/3

Meet theProfessionals

4/MORGAN STANLEY SMITH BARNEY

Senior Vice President-Wealth Management

Financial Advisor

Lonnie joined Smith

Barney, now Morgan

Stanley Smith Barney,

in 2001 as a

seniorvice president

of wealth

management. Along

with his new partner John J. Fabian, Jr.,

he began the early stages of what would

be the Rockville Bridge Group. Prior to

joining Smith Barney Lonnie enjoyed

great success at Legg Mason where he

was able to achieve the title First Vice-

President of investments.

A graduate of Pennsylvania State

University in business in 1994 Lonnie

spent most of his summers interning on

Wall Street. This is where he developed

his passion that has driven him to be a

successful Financial Advisor.

Along with being a co-founder of the

Rockville Bridge Group Lonnie is primarily

responsible for designing and

implementing the custom asset allocation

for each of our clients. Lonnie is most

proud to say that after 15 years in the

industry he works as hard if not harder

for his clients as the first day he entered

into the business.

LONNIE A. FRIEDMAN

Senior Vice President-Wealth Management

Financial Advisor

John began his career

with Prudential as a

special agent. After

achieving success in

the insurance

business in 1983 he

moved to W.H.

Newbolds’ and Sons, a venerable

investment boutique in Philadelphia, PA.

In 1986 he moved to the much larger

regional firm of Legg Mason where he

spent 15 years quickly rising to the rank

of Senior Vice-President of Investments.

In 2001, John joined Smith Barney, now

Morgan Stanly Smith Barney, to better

serve his large client base. At Smith

Barney, John and Lonnie Friedman

founded the Rockville Bridge Group, now

consisting of 6 members dedicated to a

diagnostic, in-depth and comprehensive

investment approach.

John is an active pillar in his local

community having served on the

Susquehanna Township School Board for

the past 16 years. John and his wife of 28

years Christine have four children

Larissa, John, Alex, and Justine. John’s

second child and only son has now joined

him as a member of the Rockville Bridge

Group. One of his greatest pleasures is

working with his son.

JOHN J. FABIAN JR.

MORGAN STANLEY SMITH BARNEY/5

Financial Advisor

Financial Planning Associate

Meron Yemane is a

financial advisor with

the Rockville Bridge

Group and joined the

team along with John

A. in 2007. Before

joining Morgan

Stanley Smith Barney and its predecessor

firm, Meron studied Economics and

Political Science at Penn State University.

Meron is highly motivated and enjoys

working along side his team members of

the Rockville Bridge Group, where he has

started to develop into the role of

logistical planner for the team.

Outside of Morgan Stanley Smith Barney,

Meron has become an active member in

the community. He was the youngest

chairman of the Capital Region Greek

Festival the largest ethnic festival in PA, a

president of his Greek Orthodox Young

Adult League, a member of Ahepa,

member of the Penn State Alumni

Association, Young Professionals, and in

his spare time enjoys breaking bread with

friends and family.

MERON YEMANE

Financial Advisor

CERTIFIED FINANCIAL PLANNER TM

Kelly joined Smith

Barney, now Morgan

Stanley Smith Barney,

in 2002 as a Financial

Advisor. Kelly’s

previous position was

working with local

businesses to design and implement

employer-sponsored retirement plans and

was recruited to Smith Barney for her

knowledge in this field.

In 2006 John, Lonnie, and Kelly saw an

opportunity with their complementary

skills, to create a stronger foundation for

their clients by joining forces. They

formally created the core of The Rockville

Bridge Group.

In an attempt to better serve our clients,

in 2007 Kelly started taking courses for

the Certified Financial Planner ®

designation, which she successfully took

and passed on her first attempt in 2008.

Kelly actively volunteers with many local

organizations including but not limited to

The Central PA Food Bank, The Four

Diamonds Fund, and she was a founding

member of the Harrisburg Keystone

Rotary Club.

KELLY M. MCINTYRE, CFP®

Financial Advisor

Financial Planning Associate

John A. Fabian joined

Smith Barney, now

Morgan Stanley Smith

Barney, and the

Rockville Bridge Group

in 2007. John grew up

emulating his father

and watching him grow and develop his

business. After finishing his

undergraduate education at Penn State it

only seemed like the natural choice to

follow in his father’s foot steps in the

financial world. Along with working with

clients, and developing new business,

John has stepped in to help with

marketing for the Rockville Bridge Group.

Along with work John is highly involved

around the local Harrisburg community.

He currently serves as President of the

Harrisburg Chapter of the Penn State

Alumni Association, is involved with the

Dauphin County Historical Society, and

was recently elected to the Susquehanna

Township School Board of Directors.

JOHN A. FABIAN

6/ MORGAN STANLEY SMITH BARNEY

Senior Client Service Associate

Ann began her careerin the �nancialindustry in 1978 withthe small regional�rm El Kins & Cowhere she spent �veyears. She then

brie�y worked for Janney MontgomeryScott, before taking a position atShearson Lehman Brothers. After sevenyears of service, Ann left to take theposition of Branch O�ce Coordinator atLegg Mason. She held this position foreleven years before going to SmithBarney, now Morgan Stanley SmithBarney.

Ann meet both John and Lonnie duringher tenure at Legg Mason. She was ableto see Lonnie as he just entered the�nancial industry, and served as John’ssales support sta�. Ann and John havenow worked together for over 20 yearsof service. When John and Lonnie movedto Smith Barney, Ann was vital in thetransition process coming to a new �rm.She currently handles all the logistic andpaper work of all our accounts and is thebackbone to our operation.

Ann on her free time loves to attend carraces with her husband Gary, running,and relaxing with a good book.

ANN M. DUNKELBERGER

MORGAN STANLEY SMITH BARNEY/7

Wealth Planning

Income and cash-flow planning, strategic borrowing, asset

protection, wealth transfer, investment analytics

RReettiirreemmeenntt PPllaannnniinngg: income and cash flow, 401(k) plans,

IRA rollovers

EEdduuccaattiioonn PPllaannnniinngg: education-savings accounts, 529

college-savings plans, custodial accounts

EEssttaattee PPllaannnniinngg: trust structures, lifetime gifts, insurance

planning, charitable giving

OOnnlliinnee AAccccoouunntt AAcccceessss: account information-even on

accounts held outside Morgan Stanley Smith Barney-is

listed on one page at smithbarney.com

IInnssuurraannccee: business-owner life insurance, disability and

long-term care insurance, key-person insurance, executive

benefits, insurance to fund buy-sell agreements, insurance

to fund deferred compensation plans

Investment Consulting and Management

Customized asset-allocation advice, extensive investment-

advisor research, automatic rebalancing, ongoing

monitoring and performance reporting

IInnvveessttmmeenntt AAddvviissoorryy SSeerrvviicceess: delivers customized advice

and objective investment recommendations by tapping the

extensive work of Morgan Stanley Smith Barney and a

variety of key platforms

IInnvveessttmmeenntt CCoommmmiitttteeee: team of investment professionals

that develops asset-allocation recommendations and

provides capital-markets analysis

IInnvveessttmmeenntt AAddvviissoorr RReesseeaarrcchh CCoommmmiitttteeee: a team of

analysts that researches and evaluates hundreds of

separate-account, mutual-fund and alternative-investment

managers

SSmmiitthh BBaarrnneeyy AAddvviissoorr: fee-based, non-discretionary

investment-advisory services through Smith Barney

Advisor; ongoing asset-allocation monitoring

AAlltteerrnnaattiivvee IInnvveessttmmeennttss: a diverse range of alternative

strategies such as private equity, hedge funds, private real

estate, fixed income alternatives, exchange funds and

managed futures

Borrowing

Restructure debt, improve cash flow, facilitate estate

planning, pledge collateral to help family members, access

capital to operate and expand a business, finance a home

Wealth Preservation and Transfer

Can help protect wealth from creditors and taxes; transfer

assets, business holdings and values to future generations

IInnvveessttmmeenntt AAddvviiccee: diversification and asset allocation;

downside protection and liquidity strategies for

concentrated positions

IInnssuurraannccee: income protection; wealth transfer strategies;

business-continuity strategies; life, disability and long-term-

care policies

Business Owner Services

Business banking and insurance services, working and

growth capital, diversification of personal wealth, capital-

structure and exit strategies

BBoorrrroowwiinngg: equipment acquisition and leasing, real estate

acquisition and financing, franchise financing

CCaasshh MMaannaaggeemmeenntt: deposit/banking services, cash

concentration and sweep accounts, lockbox and

receivables control, payment strategies, controlled

disbursement

RReettiirreemmeenntt PPllaannss: profit-sharing plans, 401(k) plans,

savings incentive match plan for employees (SIMPLE IRA),

defined-benefit plans, non-qualified deferred-

Wealth Management Resources

8/MORGAN STANLEY SMITH BARNEY

The Way We Do Business

We know how hard our clients work for their money, and why. They do it to build a meaningful life

for themselves, their family and their community. We work just as hard to help them achieve that

life. We are backed by years of experience helping clients manage their wealth and access the

depth of resources that comes from being part of one of the world’s largest financial firms.

But before we develop any specific recommendations, we take the time to understand who you

are as an individual and what you want to accomplish with your wealth and your life. We will work

through the following process together:

MORGAN STANLEY SMITH BARNEY/9

STEP 1. SETTING YOUR FINANCIAL OBJECTIVES

We'll begin our relationship by asking questions—a lot of

questions. Like what you want to do with your life, the

things you want to have, and whether you’d like to pass

any of your wealth to others. We'll ask about your current

financial resources, your time horizon for various goals,

your tolerance for risk—even how your liabilities are

structured. If you’re a business owner, we also might

discuss your current banking and cash-management

needs.

STEP 2. DEVELOPING YOUR WEALTH MANAGEMENT

STRATEGY

Based on your input, our recommendations will likely

address income and retirement planning, asset protection,

investment management, strategic borrowing, wealth

transfer and business succession. Of course, your plan will

include an asset allocation strategy designed to achieve a

return in line with your risk tolerance and investment time

horizon.

STEP 3. IMPLEMENTING YOUR PLAN

After presenting you with a detailed strategy for your

portfolio, we work closely with you to bring the elements

to life. Should we decide that outside money managers are

appropriate for you, we will rely on our research to select

from the hundreds of investment-management firms

competing for your business. Or perhaps you'd prefer

individual securities; if so, we can identify specific stocks,

bonds and other securities that would be suitable for your

portfolio. Whatever approach we decide on, we will help

keep your portfolio on track.

STEP 4. REVIEWING YOUR PERFORMANCE

When your personal situation or market conditions change

significantly, we can recommend adjustments to your

portfolio as necessary. Additionally, you will receive a

comprehensive quarterly review that outlines your

portfolio’s performance and whether it is on track toward

meeting expectations.

Diversification does not guarantee a profit or protect

against loss.

10/MORGAN STANLEY SMITH BARNEY

The Morgan Stanley Smith Barney AdvantageOur approach is simple. We want to know asmuch as we can about our clients, so we’re inthe best possible position to help them. And thatdoesn’t mean we just want to know about theirfinances

True, we have to understand what your assets and liabilities are, and how

your portfolio is structured. But the more important information has to do

with your goals for yourself and your family, your feelings about where you

are and where you hope to be and, of course, your fears, and the things that

might prevent you from getting what you want.

Because everyone is different, we tailor our recommendations for each

client’s unique set of goals and challenges. Maybe you want to retire at 55

and start a new business. Maybe you want to be able to pay both college

tuition for your child and nursing home care for your mother. Maybe you’re

in the middle of a divorce and you want to ensure your children’s

inheritance doesn’t go to the future spouse of your ex.

This in-depth knowledge of you, combined with our in-depth knowledge of

planning and investing, will help us create strategies aimed at trying to

achieve the things you really want. And we have the freedom—and the good

fortune—to implement those strategies using the products, services and

skills of a large financial services firm.

It’s time to throw out your notions of what you can talk about with us. We

look forward to the conversation.

Managing your wealth, growing our relationship.

Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intendedto be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer'sparticular circumstances from an independent tax advisor.

© 2009 Morgan Stanley Smith Barney LLC. Member SIPC.

214 Senate Ave.

7th Floor

Camp Hill, PA 17011

TELEPHONE: 717.730.1800

TOLL-FREE: 800.237.1700

FACSIMILE: 717.730.1893

The Rockville Bridge Group atMorgan Stanley Smith Barney

www.fa.smithbarney.com/rockvillebridgegroup