An overview of the services The Schoff Group provides to corporate and institutional clients worldwide.

1. The Schoff Group
September 2010
Corporate Employee Financial Services®

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About UBS
UBS – The World's Largest Trading Floor
Located in Stamford, CT, this is the largest securities trading floor in
the world. It is able to accommodate 1,400 traders and staff and is
103,000 square feet, approximately the size of two footballs fields.
*Includes UBS AG and all its affiliates.
Content as of June 30, 2010.
 Market Capitalization in excess of
$60B USD
 One of the world’s largest wealth
managers - Invested assets of
approximately $2.1 trillion USD*
 Long term credit ratings are
among the highest in the industry
- Moody’s Superior Aa3 Credit
Rating
 65,000 employees worldwide with
presence in over 50 countries

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Your Advisor Team: The Schoff Group
Our Commitment to You
 Exceptional Personal Service
Serve as your primary advocate and point of
escalation.
Deep understanding of your company's equity
compensation plans, retirement benefits, and
compensation mix
Leverage the broad scope of services available
from a global market leader, but deliver boutique
style service
 A Consultative Approach
Take the time to get to know your company and
its participants, suggest products and services that
are appropriate, effective, and efficient.
 Objectivity
World-class intellectual capital advocating on your
behalf to help you navigate today's complex world
of equity compensation.
Share best practices from some of the world's
leading companies
 Dedication to Simplicity
Solutions to ease administrative burdens
Track and resolve all open issues
 8 Group Members
 Over 25 years experience managing equity
compensation plans for global companies worldwide
 Customer service team for executive officers, directors
and any special handling situations or designated
persons
 Section 16 Assistance
 Public sales under rules 144, 145 and shelf
registration
 Manage all 10B5-1 trading plans
 Provide employee education seminars
 Financial planning, information and advice

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UBS Corporate Services
1 Note: Insiders’ trades must be completed through UBS in order to assist with Section 16 insider trade reports and any regulatory filings
Directed Share Program
Cash Management
Retirement Planning
Executive Services
Corporate Employee
Financial Services
 Short-term municipal securities
 Treasuries
 Money market funds
 SEP/SIMPLE IRA
 Non-Qualified Deferred Comp.
 Stock appreciation rights
 Performance awards
In connection with an IPO, issuers may choose to arrange for employees, friends and
certain family members to purchase limited shares of company stock at the initial
offering price
 Commercial paper
 Agency discount notes
 Banker’s acceptances
 401(k)/457 plans
 Profit sharing
 Defined Benefit Plans
 Stock options
 Employee stock purchase
 Restricted stock awards/units
 Wealth management/financial planning services
 10b5-1 trading plans
 Section 16 Insider trade reports1
UBS offers solutions designed to meet corporations’ needs.

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Equity Plan Execution Services
 Dedicated Customer service team with 25+ years experience with equity plan
transactions
– Hours of Operation: M-F 7:30AM – 5:30PM
 Employees gain access to UBS brokerage account
– Perform Option Exercises
– Hold previously vested restricted stock shares
– Banking Features
 Develop custom exercise procedures tailored to your company's needs
– Includes pre-clearance process for executive officers
– Completion of 144 Paperwork
 Trade settlement
– Corporate payment/taxes
– DWAC shares from Transfer Agent
 Financial Planning and Access to Advice
 10B5-1 Plan setup & Execution

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Access to Education and Advice
 White glove service for executives
 One-on-one consultations
 Financial planning services
 Personalized Advisory Services
website
 Special program offers
Access to Personalized
Advisory Services
 Company specific plan education
 Customized seminars
 Multi-channel delivery
Employee Education Programs
 UBS introductory calls
 Plan event campaigns
 Termination assistance
 Expiring options
Outreach Programs

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Addressing your participants’ financial needs
Integrating all these goals could pose financial challenges too complicated for them to
manage on their own. Working together we can help them develop a financial plan that
identifies strategies appropriate for their unique circumstances.
At UBS, we recognize the importance of helping your employees maintain their
financial health
 Recruit and retain top employees
 Promote job satisfaction
 Build employee loyalty and goodwill
We also realize that your employees plan for many personal and professional goals
 Funding college for their children or grandchildren
 Caring for a parent or extended family
 Living out retirement years in style
 Supporting philanthropic interests
 Passing on their wealth to their chosen heirs

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Financial Planning Services
Three levels of service in recognition of increasing levels of complexity
Each level of service recognizes the complex financial decisions that the client faces as he or she moves through the wealth accumulation
to distribution phases, and provides the appropriate planning consultants and planning options to address these decisions.
Financial Goal Analysis (FGA)
 Retirement: IRAs, 401(k), 403(b), 457 SEP,
SIMPLE, profit sharing, money purchase,
defined benefit, deferred compensation
 Income Tax: Basic taxes, nonqualified
stock options
 Estate Planning: Basic estate taxes,
credit shelter bypass trust, ILITs
 Cash Flow: Not applicable
Preferred Planning (PFD)
Everything in FGA plus:
 Income Tax: Details state and federal
AMT planning, nonqualified and incentive
stock options, charitable deductions
 Estate Planning: Detailed estate and
gift taxes, QTIP Trust, outright charitable
gifts and bequests, CRT & GRT
 Cash Flow: Apply savings and surplus
strategies, redeem assets manually,
transfer funds between assets, implement
debt modifications, model stock options
and the effects of exercising, assess
a business entity’s effect on cash flow
and tax impact
Private Planning (PPS)
Everything in FGA and PFD plus:
 Income Tax: 5 year carry forward, itemized
deductions, depreciation, Schedule A,
flow-through entities, C-Corps/S-Corps,
qualified small business stock, trust
accounting, partnerships, collectibles
 Estate Planning: CLAT + CLUT, CRAT + CRUT,
NIMCRUT, private foundation, cascading
GRATS, IDITs, private annuity, SCINs, GST
planning, premium financing
Private Planning (PPS)Preferred Planning (PFD)Financial Goal Analysis (FGA)
90 – 120 days30 – 60 days15 – 30 daysAverage Process Duration
(Start to Delivery)
Financial Advisor/Private PlannerFinancial Advisor/Wealth
Management Consultant
Financial AdvisorFinancial Planning Delivery
Financial Advisor/Private Planning TeamFinancial Advisor/Centralized Planning
Design Team
Financial AdvisorFinancial Planning Design
Financial Advisor/Private PlannerFinancial Advisor/Wealth
Management Consultant
Financial AdvisorClient Profiling
$10,000 – $25,000 (Discountable to zero)*$500 – $10,000 (Discountable to zero)$500 – $5,000 (Discountable to zero)*Fees for Plan
Features
Certain UBS Financial Services Inc. products and services require the establishment of a full service account, which would require additional documentation and
may not be available in all jurisdictions. Additional fees may apply, depending on the products and services selected.

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Why UBS?
Our commitment
to you
 Assist in maximizing your plan value
 Provide premier customer service to your company,
executives and employees
 Build long term relationships based on trust
You need a partner you can trust.
Our capabilities  Industry leading administration and participant services
for equity plans
 Customized employee experience and communications
 “Best practices“ from the world’s leading companies
Our wealth
management
expertise
 Our core business
 140 year tradition of servicing businesses, individuals
and families
 Over $2.1T in invested assets, $8.6B belong to CEFS
plan participants

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Contact Information
UBS Financial Services Inc.
www.ubs.com/financialservices
©2010 UBS Financial Services Inc.
All Rights Reserved. Member SIPC.
UBS Financial Services Inc. is a subsidiary of UBS AG.
Corporate Employee Financial Services is a registered service mark of
UBS Financial Services Inc.
CEFS is a service mark of UBS Financial Services Inc.
William L. Schoff
Managing Director
400 Linden Oaks
Rochester, NY 14610
Main: 888-661-2830
Direct: 585-218-4568
E-Mail: William.L.Schoff@UBS.com
Michael J. Ganguzza
Corporate Stock Benefit Consultant
400 Linden Oaks
Rochester, NY 14610
Main: 888-661-2830
Direct: 585-218-4583
E-Mail: Michael.Ganguzza@UBS.com
Visit us on the web: www.ubs.com/team/tsgcefs

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Tax and Legal Disclosure
UBS AG and its Affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein
(including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion,
marketing or recommendation by anyone unaffiliated with UBS AG of any of the matters addressed herein or for the
purpose of avoiding U.S. tax related penalties.
UBS Financial Services Inc. is a subsidiary of UBS AG.
100108-1670-007