The Schoff Group

UBS Financial Services Inc.400 Linden OaksRochester, NY 14625888-661-2830www.ubs.com/team/schoff

Mission Statement

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William L. SchoffManaging DirectorCorporate Stock Benefit Consultant585-218-4568william.l.schoff@ubs.com

Kathleen M. TitusFirst Vice President–Investments585-218-4575kathleen.m.titus@ubs.com

Stephen J. WilsonVice President–Investments585-218-4578stephen.j.wilson@ubs.com

Barbara L. FraserVice President–Investments585-218-4579barbara.l.fraser@ubs.com

Our wealth management team is dedicated to providingobjective, personalized and comprehensive advice to anexclusive clientele.

We understand the services, investments and advice that we employwithin our process have a direct effect on our clients’ financial future and are a reflection of our credibility and reputation. We recognize thatwe have only two assets in this business—our clients and our reputation.If we take care of our clients and always consider their interests first, ourreputation will grow. We will not only keep our existing clients, but alsoattract others.

Our overall success and the value we add is measured by our ability tohelp accurately set and consistently pursue our clients’ complex, long-termwealth management needs, goals and objectives.

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The Schoff Group team members, front from left, Kathleen Titus, William Schoff and Marisa Matarazzo; back row, from left, Stephen Wilson, Robert Van Allen, Nicholas Ward, Michael Ganguzza and Barbara Fraser

William L. SchoffBill has been in the financial services business providing comprehensive wealthmanagement for over 25 years. Most recently he joined UBS Financial Services Inc.from Smith Barney in February 2009 after 14 years as one of their top producers. He is the senior member of The Schoff Group. While managing wealth for familieswith significant net worth, corporate executives, retirees and other professionals, Billand his team have managed exclusive relationships with an impressive list of over 35public corporations.

Bill has been recognized as one of only a few Financial Advisors at UBS with thedesignation Corporate Services Specialist. As such, he assists corporations with theiremployee equity plan needs and helps busy executives with their often complexissues surrounding control and restricted securities, stock option strategies, the sale of 144 securities, 10b5-1 trades, trading programs and more.

Bill was recognized by Barron’s magazine in 2008 as one of the top FinancialAdvisors in the country. He was rated 21 out of 100 advisors in his home state ofNew York. Bill is a member of the National Association of Stock Plan Professionalsand serves on the UBS Corporate Employee Financial Services Advisory Board. He has a B.S. degree from Cortland State University. Bill lives in Pittsford, New York, with his wife, Susan, and is involved in various community-related activities.

Focus and Experience

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Kathleen M. TitusKatie joined UBS Financial Services in 2009 and brings over 22 years of financialservices industry experience to her role as a member of The Schoff Group.

Prior to joining UBS, Katie was a First Vice President at Smith Barney for 14 years.Katie works with high net worth individuals and families in managing all aspects oftheir wealth management needs through a disciplined approach, ongoing dialogueand active management. Additionally, she focuses on corporate employee financialservices and the management of equity plan administration and implementation forthe team. She specializes in executive services and brings 19 years of experience inSection 16b transactions, Rule 144 trades and 10b5-1 trading plans to her clients.

When away from the office, Katie enjoys spending time with her husband, Bill, and their two children, Noah and Emily. She also coaches travel soccer and OlympicDevelopment soccer teams. Katie’s other interests include running, biking and skiing.She is on the board of the Webster Soccer Association and is a member of theNational Association of Stock Plan Professionals.

Stephen J. WilsonSteve has more than 28 years of experience advising high net worth clients onimportant wealth management decisions, specifically those related to retirement and estate planning. With the current complexities of the financial markets, he isable to offer solutions based on a detailed discovery process for each individualclient.

Steve has a B.S. degree from Rochester Institute of Technology and currently lives inFairport, New York, with his wife, Becky. In his free time, you can find him running,golfing or visiting one of his three children, Alexander, Eric and Jacqueline.

Barbara L. FraserBarbara has been in the financial services industry for more than 12 years. As amember of The Schoff Group, Barbara believes that wealth management goesbeyond traditional investment strategies. She sees it as encompassing your entireinvestment and financial life—with your team of Financial Advisors involved everystep of the way.

A 25-year resident of Fairport, New York, a suburb of Rochester, Barbara enjoysbicycling and spending time with her children, Luke and Claire, and their two goldenretrievers.

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Your Future Begins with a Conversation

Growing your wealthYour personalized investment strategy is only the first step in helping you grow your wealth. The relationship we develop with you will be ongoing,and we will use the global resources ofUBS to not only address your evolvinginvestment strategy, but continuallyreview its role in your overall wealthmanagement plan. Whateverexpectations you have for the future,we will work with you to help keep you on track toward your goals.

The UBS Client Experience

In delivering the UBS Client Experience, our Financial Advisors take the time to understand your needs and goals and proactively provideappropriate solutions. We keep you informed on a periodic basis, and can monitor and update strategies, as appropriate, to respond to ever-changing markets and your evolving needs.

We take the time to understandyou, your values and what you’dlike your finances to do for you.

Our conversations will focus on helpingyou make appropriate financial choicesfor today and for the future.

Whether it’s specific goals you have foryourself, your business, your family orthe legacy you hope to leave behind,we’ll help ensure that you have accessto our full range of wealth planning,investment, banking services, andfinancing opportunities here in the U.S. and globally—all focused on yourbest interests.

Aligned with these powerful globalresources among a comprehensiveselection of products and servicesavailable and complete dedication toyou and your needs, we will be yourpersonal advocates throughout yourrelationship with UBS.

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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.

Maintaining your lifestyleYour vision of retirement is unique.Whatever your retirement goals are, we will work with you to create apersonalized investment plan designedto address your income requirementsand to help maintain the lifestyle youdesire.

Caring for othersThe decisions you make regarding your wealth can have a significantimpact on the people and causes youcare about. Whether you are planningfor loved ones or your favorite charities,we will work with you to establish a personalized strategy to help youprovide for them now and in the future.

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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 professional advisors,we focus on identifying personalizedestate planning strategies that can helpminimize the effect of estate taxes*while ensuring that your estate will bedistributed according to your wishes.

In addition, with the help of ournationwide Attorney Networkprogram,** we can introduce you to an independent, experienced trustand/or estate attorney. There are morethan 350 attorneys in this establishednetwork with no fee for an initialconsultation. With the guidance of an 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 for corporateexecutivesAs a busy corporate executive, you may find you don’t have the time tofocus on the full range of investmentoptions available to you. We can helpyou understand the complexities of yourpersonal or business compensation.Given our experience, along with thatof a UBS team of specialists and the full breadth of our firm, we can helpyou manage the sale of restricted stock, lump-sum distribution strategies,10b5-1 trading plans and concentratedholdings.

* 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 or more 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 can you 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 about while 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.

Investment strategies tailored toyour small business As a small business owner, it’simportant that you work with a firm that understands the financialrequirements, risks and rewards of asmall business. We are familiar withstrategies for meeting start-up costs andoverhead charges, as well as fundingcapital expenditures. We can help yougrow your business by appropriatelybalancing your investment and liquidityneeds and providing you with access tocurrent account information at all times.

Financial management for realestate professionalsGiven the changing nature of the realestate market, perhaps you are lookingfor ways to unlock the earning powerof your cash and investments or seeksimpler, more flexible ways to manageyour cash flow. In addition, you may be interested in identifying creativefinancing strategies to help fund futuregrowth.

At UBS, we work with you to developappropriate strategies specific to yourreal estate business. We can assist youwith cash management and financingrelevant to the changing real estatemarket, identify financial strategies for you and your employees, and helpyou plan for transfer and successionopportunities to help preserve yourbusiness now and in the future.

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UBS: Our Global Strength.Your Individual Vision.

As a UBS client, you benefit from the experience of one of 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 around the 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 your relationship with UBS.

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 and trendsrelevant to individual investors. And at UBS, you have direct access to these expertsthrough our team†.

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DRAFT

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 and are governed by different laws and separate contracts.

It is important that you carefully read the agreements and disclosures UBS provides to you about the 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, TheSchoff Group, if you would like clarification on the nature of your accounts or services you receive 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.

©2010 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.

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