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The Taylor Group

UBS Financial Services Inc.One Post Office Square, 32nd and 33rd FloorsBoston, MA 02109888-284-3209www.ubs.com/team/thetaylorgroup

Guidance You Need. When You Need It.

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James W. TaylorSenior Vice President–Investments617-439-8131james.w.taylor@ubs.com

Kirsten IsmailVice President–Investments617-439-8137kristen.ismail@ubs.com

Mark Paone, CRPS®

Vice President–InvestmentsAdvisory & Brokerage Services617-439-8132mark.paone@ubs.com

Robert J. Mosesian, Jr.Account Vice President617-439-8133robert.mosesian@ubs.com

Aaron NardozzaFinancial Advisor617-439-8134aaron.nardozza@ubs.com

David CavicchioRegistered Client Service Associate617-439-8136david.cavicchio@ubs.com

Information and advice—the right kind shared at the righttime in your life—can help you reach goals with potentiallygreater success than you thought possible.

And the more sophisticated your financial life is, the more criticalinformation becomes.

We can recommend strategic guidance for where you are in your lifetoday and where you want to be tomorrow. You can rely on us to provideyou with appropriate information and timely guidance for the range offinancial decisions you may face now and down the road.

Jesse BishopRegistered Client Service Associate617-439-8135jesse.bishop@ubs.com

Chartered Retirement Plans SpecialistSM is a service mark and CRPS® is a registered service mark of theCollege for Financial Planning®.

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The Taylor Group team members, from left, Kirsten Ismail, Mark Paone, Jim Taylor, Aaron Nardozza, Robert Mosesian,David Cavicchio and Jesse Bishop

James W. TaylorJim is a Senior Vice President–Investments with UBS in downtownBoston, which he and his team joined in 2009. He first founded The TaylorGroup, a seven-person corporateservices and private wealthmanagement consortium, while atSmith Barney in 1993. The teamsuccessfully delivers sophisticated,holistic strategies to affluent families in addition to managing a robust stock plan and corporate retirementservices practice.

Jim works extensively with corporateofficers and directors regarding theirwealth management needs, includingliquidity and diversification strategies for concentrated equity positions. Healso consults on corporate equitybenefit programs including thedevelopment and implementation of employee stock option, stockpurchase and restricted stock programs.

Jim was recently recognized by Barron’s

magazine as one of the top FinancialAdvisors in the United States. He is amember of several industry-relatedorganizations including the NationalAssociation of Stock Plan Professionals(NASPP), the Global Equity Organization(GEO) and the Association ofProfessional Investment Consultants(APIC). Jim is a graduate of BabsonCollege in Wellesley, Massachusetts,with a bachelor of science degree infinance and investments and serves as an active member of the College’sBoard of Trustees. He spends timeoutside his profession volunteering for a number of local charities that focus on pediatric oncology research and care. Jim, his wife, Sara, and their twochildren live in a seaside communitysouth of Boston.

Focus and Experience

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Aaron NardozzaAaron began his career in financialservices in 1998 while working forSmith Barney in New York City. In 2001,he took a position with ING Group inLos Angeles as a consultant within theiradvisory services division. In 2004,Aaron rejoined Smith Barney as a full-service Financial Advisor in the Syracuse,New York, office and subsequentlyjoined The Taylor Group as a wealthmanagement advisor in Boston in 2008.He has developed a true expertise inproviding financial planning advice toaffluent families. Additionally, Aaronassists in the acquisition and service ofthe team’s corporate and institutionalclients.

He received his bachelor of arts degreefrom Syracuse University in psychologywith a minor in economics.

Robert J. Mosesian, Jr.Robert is an Account Vice President for UBS Financial Services Inc. He began hiscareer at Tucker Anthony before joiningSmith Barney as a Financial Advisor inSeptember of 2000. Robert joined TheTaylor Group in 2005 where he hasgrown his wealth management practicethrough serving the financial needs ofcorporate executives and their families.

In order to achieve his clients’ goals,Robert’s focus is on developing fullyintegrated and sophisticated investmentstrategies. Most of his clients havemultiple aspects to their financiallandscape, and much of his workcenters around incorporating these various pieces into one all-encompassing comprehensive plan.

Robert graduated from Boston Collegewith a B.A. degree in finance. Hecontinues to live in the Boston area and enjoys golfing, running, yoga andthe beach.

Kirsten IsmailKirsten is a Vice President–Investmentsand Financial Advisor with The TaylorGroup at UBS Financial Services Inc. She began her career in the financialservices industry in 1995 with MerrillLynch before joining The Taylor Groupat Smith Barney in 1997.

Kirsten works primarily with corporateexecutives, business owners and theirfamilies to develop, implement andmonitor a comprehensive and flexiblefinancial plan that can be adapted totoday’s ever-changing economic andmarket environment. She is known forher attention to detail and ability tolisten carefully to her clients’ needs. It is Kirsten’s belief that relationships do not merely exist but are created and cultivated through hard work andgood communication, and she pledgesa lifelong dedication to helping herclients realize their financial goals.

Kirsten is a cum laude graduate of the University of Maine in Orono. Sheregularly attends educational workshopsand seminars geared toward wealthmanagement and planning. Kirstenmaintains life insurance and variableannuity licenses in many states acrossthe country. She is happily married toher high school sweetheart, Scott, and loves spending time with their youngdaughter, Samantha, and their blackLabrador Retriever, Ranger. In her sparetime, Kirsten enjoys reading, travelingand any activity that keeps herphysically fit.

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Mark Paone, CRPS®

Mark is a Vice President–Investments forUBS Financial Services Inc. He has over17 years of experience in the financialservices industry, with over 15 years ofspecialized service within the retirementplan industry. Mark has worked forfinancial services organizations such as MFS Retirement Services, CitistreetRetirement Services and Smith Barney.

As a practice leader within The Taylor Group at UBS, Mark isresponsible for providing investmentadvisory, education and planningservices to his retirement plan clientsand their employees. In recognition of his experience and expertise in the subject matter of ERISA, Mark hasbeen appointed a DCA Advisor, therebygranting him authority to act in afiduciary capacity for his ERISA clients.

Mark graduated with a B.A. degree in economics from Bates College andearned the Chartered Retirement PlanSpecialist (CRPS®) designation from theCollege for Financial Planning. He is anactive member of the American Societyof Pension Professionals and Actuaries(ASPPA). Mark is FINRA Series 6, 7, 31, 63 and 65 licensed in all 50 states. Healso maintains his life insurance andvariable annuity licenses in the states of Massachusetts, Connecticut and New Hampshire. Mark resides in asuburb north of Boston.

David CavicchioDavid is the main contact for all clients’service requests and administrativeneeds. With 15 years of experience, his organization and efficiency skillslend themselves to a superior serviceexperience for the individuals andfamilies the Group works closely with.David has a reputation for beingdependable and is quick to identifysolutions for any requests clientspresent.

He has a B.A. degree in psychologyfrom Merrimack College. Davidcurrently resides with his wife, Rachel,in Chestnut Hill, Massachusetts.

Jesse BishopJesse joined the team in 2005 and has served many roles during his time.He continues to serve as the teams’ultimate utility man providing assistancefor clients and working closely with the advisors in servicing clients’ needs.His analytical nature is well suited toidentifying solutions for complex serviceissues. His ability to assist clients inunderstanding their needs from aservice and planning perspective iscritical to the advisory relationship theGroup has with the individuals andfamilies they work with.

He has a bachelor of science degree in business administration from theUniversity of Vermont.

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Your Future Begins with a Conversation

Growing your wealth We understand the importance ofestablishing a firm financial foundation.Whether you’re planning to purchase a 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 you withthe highest level of responsive andpersonalized service.

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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Maintaining your lifestyle Once 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 throughretirement What 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 sufficient to generate income for day-to-day

retirement expenses, fulfill theretirement dreams you hope to make a reality, keep pace with inflation andmeet healthcare costs. Together, we candevelop a personalized strategy to helpfund the retirement you envision.

Preserving your wealth Over time, you have planned andinvested prudently to build your wealth.We understand how important it is topreserve what you’ve worked so hard to achieve. That’s why we will workwith you to review your investment plan on an ongoing basis, makingadjustments that take into accountfactors such as taxes*, inflation andunforeseen events that could undo alifetime of work. With a clear focus onyour future, we will work with you topreserve your wealth for all you want todo today and tomorrow.

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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 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 forcorporate executivesAs a busy corporate executive,you may find you don’t have the time 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.

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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.*

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 guidance for womenGiven greater opportunities in theworkplace, longer life expectancies andmultiple work-life demands, weunderstand that women seek financialguidance now more than ever before.That’s why we are committed tohelping you address your uniquefinancial challenges and opportunities.Drawing on our experience and insightinto working with women, we can helpdevelop personalized investmentstrategies that address your goals andhelp you make confident financialdecisions for today and for the future.

* 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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Retirement planning strategiesIn delivering the UBS Client Experience,we will take the time to understandyour needs to help you identifyappropriate solutions and will monitorand update strategies as appropriate torespond to ever-changing markets andyour evolving needs. Accordingly, wewill work with you to: identify and helpyou understand your retirement planprogram needs, propose programs andsolutions for your consideration andreview, implement a retirement planprogram, once selected, and help youreview your plan’s investments to helpassure that they continue to meet yourexpectations and those of youremployees.

Corporate Employee FinancialServicesOur Corporate Employee FinancialServices (CEFS) group providescomprehensive and flexible stockbenefit plan services for companies and their employees. In addition toadministering stock option, stockpurchase and restricted stock awardplans for more than 80 corporateclients, CEFS delivers a flexible range of services designed to meet the uniqueneeds of our clients. These servicesinclude innovative products, qualitycustomer service, employee educationand in some areas, access toprofessional advice and guidance.

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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 affluentindividuals, corporations, institutions and governments for over 150 years.Through our teams of professionalsaround the globe and their diverseexpertise across a range of disciplines,we are committed to helping each client realize their own vision forfinancial 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 theirindividual needs and goals and thedreams they have for themselves, theirfamilies and their future. This deepunderstanding, combined with thepowerful global resources we are able to access on your behalf, lay thefoundation for your relationship withUBS.

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 have developeda global network of analysts who conduct research on markets and trends relevant to individual investors. And at UBS, you have direct access to these experts throughour 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 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, TheTaylor 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.