The Calabretta Group at Morgan Stanley Smith Barney

204 North George StreetSuite 300, York, Pennsylvania 17401

717-854-5553 / MAIN

800-343-5235 / TOLL!FREE 717-852-4101 / FAX

www.fa.smithbarney.com/thecalabrettagroupTheCalabrettaGroup@mssb.com

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Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long-term goals.

As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue.

Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more!for!you.

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Meet the Professionals

Left to right: Seth W. Predix; Matthew A. Calabretta; Rebecca A. Gebhart

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Matthew A. CalabrettaSenior Investment ConsultantSenior Vice President Wealth Advisor

Matt began his career with Morgan Stanley Smith Barney in 2000 upon completing his M.B.A. in Finance.! Matt has earned!certifications as a Senior Investment Management Specialist and Financial Planning Specialist.! His broad financial background and strong commitment to client service has been!in-valuable to!his clients, which include affluent individuals, families, corporate executives, and business owners.

Matt focuses on a comprehensive wealth management process, which includes developing a financial plan!cus-tomized to each client’s goals,!tailoring a prudent asset allocation strategy, and continuing to review the plan and moni-tor the progress on an ongoing basis.! In addition to the!design and implementa-tion!of prudent investment strategies,

Matt also concentrates in retirement, education, and estate planning, for the complex needs of his clients.! Matt has also developed an extensive knowledge in the area of Corporate Stock Option Planning.

As an alumnus of The Pennsylvania State University, with a Bachelor of Science degree in Science, as well as an NCAA Division I wrestler, Matt remains involved with The Penn State Alumni Society as well as The Penn State Wresting Program, and is a board member on The Penn State York Advi-sory Board.! Matt is a lifelong resident of York and!is actively involved in Big Brothers Big Sisters of York County, The Special Olympics, The Rotary Club of York and was previously on the board of the Dallastown Area Dollars For Scholars.

matthew.a.calabretta@mssb.com717-854-5553

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Seth W. PredixFinancial Planning AssociateWealth Advisor

As a Financial Planning Specialist, Seth focuses primarily on retirement, estate, education, insurance, and financial plan-ning. With Seth’s innovative approach in portfolio structure and management, he creates a customized plan for each client and develops effective strategies to obtain their financial goals.

Seth attained his BS in Finance from The Pennsylvania State University. He belongs to The Penn State Alumni As-sociation and is actively involved in Habitat for Humanity. Seth strives in giving back to the local community. He enjoys spending time with his family, and participating in outdoor activities and sporting events.

seth.w.predix@mssb.com717-854-5553

Rebecca A. GebhartFinancial Planning AssociateSenior Registered Client Service Associate

Becky!began working with The Cala-bretta Group in the summer of 2000.! She has served as Senior Registered Client Service Associate since its inception.

Becky has multifaceted duties, which comprise ensuring that clients’ issues and accounts are addressed with per-sonal attention and care, coordinat-ing!overall day-to-day operations, as well as!increasing client service quality.!

Becky is Series 7 and 63 licensed.! She is a graduate of York College of PA with a degree in Business Manage-ment and Administration.! Becky is a team member for the American Cancer Society’s Relay for Life.

rebecca.a.gebhart@mssb.com717-854-5553

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These four steps were developed to achieve that goal:

1 Setting your financial objectives Through a process of discovery and discussion, we will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between you and your goals, and develop sound strategies to help smooth the path.

2 Creating your strategy Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization poten-tial and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio.

To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term!aspirations.

Creating Your Plan

3 Implementing your strategy

After discussing and refining your strat-egy, we will work closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, the team will draw on in-depth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, we will help you keep your strategy on track.

4 Reviewing objectives and performance

We view ongoing communication as the foundation of our successful col-laboration with you. We will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

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With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insight into your needs with the resources of Morgan!Stanley!Smith!Barney.

For Life’s Most Important Goals

Setting a confident course Thorough, thoughtful planning"—" plan-ning that analyzes where you are as well as where you want to go"—" is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own.

• Retirement planning • Education planning • Estate planning • Multigenerational planning

Managing the rewards of success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and

for careful analysis of any investments we consider together.

• Asset allocation • Investment management • Traditional investments • Alternative investments • Separately managed accounts

Shaping your retirement Together, we can work to make deci-sions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement.

• IRAs: – Traditional – Roth

• IRA rollovers • Roth conversions

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Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and person-ally fulfilling investment opportunities available to you. We can help you ac-cess appropriate investment vehicles!—" 529!plans and custodial accounts.

Protecting your wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family’s financial security"—" even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals.

• Life and disability income insurance • Life insurance trusts • Key-person insurance

Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and op-portunities are the day-to-day aspects of implementing a financial strategy.

We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and long-term costs and taxes.

• Home finance • Lending services • Debt restructuring • Securities-backed loans

Strengthening your business The links between business owner-ship and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can exam-ine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan!Stanley Smith!Barney.

• Lending Services • Cash management • Retirement plans • Strategic consulting

and transactions • Succession planning • Insurance

Morgan!Stanley Smith!Barney strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you’ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan!Stanley Smith!Barney’s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth.

© 2011 Morgan!Stanley Smith!Barney LLC. Member SIPC. 6639758 03/11

Morgan!Stanley Smith!Barney offers a wide array of brokerage and advisory services to its clients, each of which may create a dif-ferent type of relationship with different obligations to you. Please contact us to understand these differences.

Morgan!Stanley Smith!Barney LLC (“Mor-gan!Stanley Smith!Barney”) is a registered broker-dealer, not a bank. Where appro-priate, Morgan!Stanley Smith!Barney has entered into arrangements with banks and other third parties to assist in offering cer-tain banking-related products and services. Unless otherwise specifically disclosed to you in writing, investments and services of-fered through Morgan!Stanley Smith!Barney,

member SIPC, are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested.

Morgan!Stanley Smith!Barney LLC, its affiliates and Morgan!Stanley Smith!Barney Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.