The Capra, Sadallahand Peter Team

At Morgan Stanley Smith Barney106 Business Park Dr.

Utica, NY 13502(315) 797-2000

Martin J. Capra, CRPC®Vice President

Financial Advisor

Portfolio Manager

martin.capra@mssb.com

Frederick V. Sadallah, CRPC®First Vice PresidentFinancial AdvisorPortfolio Managerfrederick.sadallah@mssb.com

Travis PeterFinancial Advisor

travis.peter@mssb.com

Investments and services offered through Morgan Stanley Smith Barney LLC, member SIPC. 2/27/2012

The Capra, Sadallah and Peter Team’s principal objective is to create and manage wealth for wealthy business owners, corporate executives, non-profit organizations, medical professionals and their families. We will engage you in a disciplined process that incorporates investment strategies guided by an advanced and up-to-date comprehensive wealth plan. Through collaboration, we leverage our greatest asset –our people – to help you accomplish your life’s goals. It is our pledge to surpass your expectations with the service and advice we provide. We strive to earn your trust, thereby building long-lasting relationships with you and your family.

Our Mission

Statement

Our Core Team Members

Martin J. Capra, CRPC®: Financial Advisor

Marty has over 28 years of industry experience, including 3 years as a Merrill Lynch office

manager. He has an undergraduate degree from Rochester Institute of Technology, and holds a

Financial Consultant Certificate from the University of Pennsylvania’s Wharton School. He has also

completed the “Essential Partner University” Program through Cornell University’s Johnson

Graduate School of Management. Prior to joining Morgan Stanley Smith Barney, he was with

Merrill Lynch and Dean Witter, and also held various contractual and marketing positions in

General Electric's Aerospace Division. Marty holds financial industry licenses in Series 7, 8, 10, 31,

63, 65 as well as Life, Accident and Health Insurance licenses.

Frederick V. Sadallah Jr., CRPC®:Financial Advisor

Fred has over 10 years of investment experience including 6 years as a Branch Manager. He has

also completed the “Essential Partner University” Program through Cornell University’s Johnson

Graduate School of Management. Prior to joining Morgan Stanley Smith Barney, Fred was a

Financial Advisor at Merrill Lynch and a successful business owner/entrepreneur in the Mohawk

Valley. He holds industry licenses in Series 7, 8, 9, 10, 31, 66, Life Insurance, and Accident and

Health Insurance licenses.

Travis A. Peter:Financial AdvisorTravis obtained his financial industry licenses in Series 7 and 66, along with Life, Accident and Health

Insurance licenses in 2007. Travis’ education is in Economics, in which he obtained an

undergraduate degree from Kansas State University. Travis actively serves on several local not for

profit boards of directors, and has experience in financing, banking, agriculture, and construction.

Travis currently resides in Salisbury, NY with his wife , Zoe and daughter, Finley.

The Core Staff TeamStephanie M. Loomis:Client Service AssociateStephanie has been a Senior Service Associate for over 7 years with Morgan Stanley Smith Barney.

She is currently attending HCCC full time with a major in Business Administration, and plans to

attend SUNY IT in the future to get her BA in Business. Stephanie has grown up in Upstate NY and

currently resides in the Utica area, when she's not working or going to school she enjoys the

company of her 3 beautiful children, Cameron, Brianna and Chase.

Amanda Sadallah:Client Service Associate

Our Core Team Members

Our Service Commitment

• Comprehensive Financial Planning

• Customized Investment Policy Plan

• Frequent Contacts

• Periodic Reviews

• 24/7 Online Access

• Monthly Reports

• Quarterly Newsletter

• Seminar Event Invitations

Comprehensive Financial Planning

Please see important disclosures at the end of this presentation.

Our Investment Philosophy

Understanding that our clients seek both capital preservation and wealth accumulation, The Capra, Sadallah and Peter Team Philosophy is designed to help manage portfolio risk and deliver consistent risk-adjusted performance. By combining alternative asset classes with traditional investments, we seek to reduce the portfolio’s sensitivity to market ups and downs, and deliver absolute returns through good markets and bad.

Our strategies are derived from a flexible, research driven, value-oriented approach that seeks the best potential investment opportunities, across all asset classes, countries and securities.

In addition to conventional equities, fixed-income and cash equivalents, we may include private placements, high-yield fixed income, distressed debt, convertible fixed-income, exchange traded funds, preferred securities, equity and fixed-income futures, structured products, options and warrants, real estate investment trust (REITs), precious metal-related securities, long/short or hedged equity, market neutral equity, convertible arbitrage, global macro and opportunistic equity.

Comprehensive Investment Management Process

ClientCentered

Analyze & Plan

Design& Research

Evaluate& Review

Assess& Construct

Dynamic Investment ProcessCombining Long-Term Strategies with Potential Tactical Opportunities

Long-Term Secular Outlook“Investing for the Future”

Short-Term Cyclical Outlook

Portfolio Construction and Selection

Thank You

We deliberately keep our advisor-to-client ratio low to ensure that we provide each client with complete

service and attention. The recommendations we make are based on our knowledge of each client’s

personality, values, needs, and family goals. As clients of The Firm, we encourage you to contact us at any

time with ideas, questions, or concerns.

In addition, Capra, Sadallah and Peter Team ‘s dedicated back office supporting you is committed to

accuracy, efficiency, and the highest levels of service. For more about your financial team and how they

will work with you, check out mssb.com.

Martin J. Capra, CRPCVice President

Financial Advisor

Portfolio Manager

martin.capra@mssb.comFrederick V. Sadallah, CRPCFirst Vice PresidentFinancial AdvisorPortfolio Managerfrederick.sadallah@mssb.com

Travis PeterFinancial Advisor

travis.peter@mssb.com

Amanda SadallahClient Service Assistantamanda.sadallah@mssb.com

Stephanie LoomisClient Service Assistantstephanie.loomis@mssb.com

Capra, Sadallah and Peter Team

at Morgan Stanley Smith Barney

106 Business Park Dr.Utica, NY 13502315-797-2000800-443-5450Fax: 315-792-1222

Important Disclosures:

An investment in alternative investments can be highly illiquid, is speculative and not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risks associated with such an investment. Investors should carefully review and consider potential risks before investing. Some of these risks may include:

· loss of all or a substantial portion of the investment due to leveraging, short-selling, or other speculative practices;

· lack of liquidity in that there may be no secondary market for the fund and none is expected to develop;

· volatility of returns;

· restrictions on transferring interests;

· potential lack of diversification and resulting higher risk due to concentration of trading authority when a single advisor is utilized;

· absence of information regarding valuations and pricing;

· complex tax structures and delays in tax reporting;

· less regulation and higher fees than mutual funds; and

· manager risk.

Individual funds will have specific risks related to their investment programs that will vary from fund to fund.

Investing in commodities entails significant risks. Commodity prices may be affected by a variety of factors at any time, including but not limited to, (i) changes in supply and demand relationships, (ii) governmental programs and policies, (iii) national and international political and economic events, war and terrorist events, (iv) changes in interest and exchange rates, (v) trading activities in commodities and related contracts, (vi) pestilence, technological change and weather, and (vii) the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.

Diversification does not guarantee a profit or protect against a loss.

Morgan Stanley Smith Barney offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.

Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney's licensed insurance agency affiliates.

International investing may not be suitable for every investor and is subject to additional risks, including currency fluctuations, political factors, withholding, lack of liquidity, the absence of adequate financial information, and exchange control restrictions impacting foreign issuers. These risks may be magnified in emerging markets.

The investments listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.

Portfolio Management is an advisory program in which the client's Financial Advisor invests the client's assets on a discretionary basis in a wide range of securities.

Preferred securities can be called prior to maturity, which may reduce yield if purchased at a premium. Preferred securities may be subject to other call features or corporate restrictions that may have an effect similar to a call. Prices may fluctuate reflecting market interest rates and the issuer’s credit status.

REITs are subject to special risk considerations similar to those associated with the direct ownership of real estate. Real estate valuations may be subject to factors such as changing general and local economic, financial, competitive, and environmental conditions. REITs may not be suitable for every investor.

Dividend income from REITs will generally not be treated as qualified dividend income and therefore will not be eligible for reduced rates of taxation.

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.

Investments and services offered through Morgan Stanley Smith Barney LLC, member SIPC.