The document provides information about the Kallenekos & Marino Financial Group team at UBS Financial Services. The team focuses on affluent clients and provides comprehensive financial planning and wealth management services. Team members have extensive experience and specialize in areas like asset management, retirement planning, tax strategies, and philanthropic advising. The team aims to understand each client's individual needs and objectives.

1. You & Us. Working Together to Address Your Needs. Kallenekos & Marino Financial Group UBS Financial Services Inc. 1285 Avenue of the Americas, 18 th Floor New York, NY 10019 Tel. 212-713-9250 Tel. 201-525-2489 Tel. 877-226-5902 www.ubs.com/team/kmfinancialgroup

2. About Our Team Our clientele is composed of affluent families, business owners, and corporate executives who value our comprehensive planning approach to managing personal wealth. Our ideal client is someone who is successful in his or her own right and who recognizes the value of prudent and thoughtful advice from an experienced and trusted advisor who is associated with a world class financial services organization. UBS calls this "the world's largest two person firm – You and US…UBS" We are experienced in providing advice in the areas of asset management, retirement planning, stock option and executive compensation planning. Furthermore, we can assist in the development and execution of tax and risk management strategies, estate planning strategies and philanthropic gifting. Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You must consult with your tax and legal advisors regarding your personal circumstances. Kallenekos & Marino Financial Group Our team focuses on clients of significant wealth and aims to understand your needs and objectives. II- 4

3. Kallenekos & Marino Financial Group—Your Dedicated Financial Advisors TEAM PHOTO – Insert, if available II- 5

4. Our Team Dino joined UBS in July 2006 after more than ten years heading his financial planning practice at Ameriprise Financial (formerly American Express Financial Advisors). Prior to starting his own practice, Dino was a Manager of Tax Planning for Pfizer Inc, the global health care company. His areas of focus were employee benefits and executive compensation. He supported the company's Treasury, Legal, Controllers and Human Resources departments in operating the 401K, stock option and pension plans. Many of Dino's clients are current or former Pfizer executives and employees. Dino received his BS degree in Accounting from New York University and his JD degree from Hofstra Law School. He also holds an LL.M degree in Taxation from NYU School of Law, is a Certified Public Accountant and is retired from the practice of law. (Note that neither Dino nor UBS currently offers tax or legal advice) Insert photo, if available Constantine ("Dino") Kallenekos Senior Vice President—Investments Advisory and Brokerage Services Wealth Advisor Kallenekos & Marino Financial Group II- 6

5. Our Team John joined UBS in July 2006 after more than 15 years heading his financial planning practice at Ameriprise Financial (formerly American Express Financial Advisors). John received his degree in Finance from Pace University, and earned the Certified Financial Planner® designation ten years ago. He takes a comprehensive approach with clients in helping them to pursue their needs and goals. He has specialized in several different investment disciplines, including the use of charitable remainder and charitable lead trusts and foundations. John is a frequent speaker on charitable gifting and has assisted other professionals in implementing charitable strategies. John G. Marino, CFP Vice President – Investments Advisory and Brokerage Services CUSTOMIZE II- 7 Kallenekos & Marino Financial Group

6. Our Team German supports the practice of Dino Kallenekos and is responsible for all facets of client and account interaction. He is Series 7 licensed, holds an MBA and has had four years of industry experience. German is dedicated to providing exceptional service to complement the world class advice that our practice is known for. German A. Ornes Registered Client Service Associate CUSTOMIZE II- 7 Kallenekos & Marino Financial Group Quong is an Investment Associate with the team, assisting both Dino and John with their clientele. Her primary focus is implementing the team's various complex investment solutions. Quong has worked with the group for five years, during which time she has become an invaluable member of the team. Quong Lam Investment Associate James works with John Marino as a Client Service Associate and is responsible for running the day-to-day operations of his office. "Murph", as he is called, is fully licensed and is committed to providing superior service to our clients. Murph is a graduate of Fordham University, with a B.S. in Business Administration with concentrations in Finance and Management. James F. Murphy Registered Client Service Associate

7. It is important that you understand the ways in which we conduct business and the applicable laws and regulations that govern us. As a firm providing wealth management services to clients in the U.S., we are registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser and a broker-dealer, offering both investment advisory and brokerage services. Though there are similarities among these services, the investment advisory programs and brokerage accounts we offer 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 that we provide to you about the products or services we offer. While we strive to ensure the nature of our services is clear in the materials we publish, if at any time you seek clarification on the nature of your accounts or the services you receive, please speak with your Financial Advisor or call 201-352-9999. For more information, please visit our website at www.ubs.com/workingwithus