Our Team. Reddington Advisory Group

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2 Our Team Reddington Advisory Group Mark J. Reddington, CLU, ChFC Gaetano Sacco Senior Financia Services Executive Financia Panner Financia Services Representative Kevin Zebrowski, JD Erik Scherr Financia Advisor Financia Services Representative Investment Advisor Representative Financia Services Representative Jake Surma Ghazi Nweiran Financia Services Representative Registered Representative Financia Services Representative Registered Representative Deores Nuamah, CFP Bruce Bickar Financia Panning Case Design Speciaist Registered Principa Our focus at Reddington Advisory Group is on the needs of famiies, business owners, executives, and professionas; successfu peope who recognize the vaue and need for the thoughtfu and inteigent preparation of their financia future. We are dedicated to providing you compete financia strategies focused on buiding ong-term reationships and recognizing that every cient s situation is unique; there are no standard soutions. Weath accumuation, famiy asset protection, business continuation, empoyee retention and the myriad of other financia issues cients face are aways evoving, resuting in constant changes in our cients needs. We are committed to heping you reach your critica short and ong term objectives. We accompish this mission through a carefuy panned and professionay executed comprehensive process designed to make the most appropriate recommendations based on your specific needs. Throughout the impementation process, we partner with you and your other professiona advisors to deveop strategies and soutions that hep you achieve your identified goas. Unike companies that offer standardized soutions to compex conditions, we isten first, and then think objectivey about how to best meet your persona needs. Our commitment to exceence and focus on services makes our team at Reddington Advisory Group a vauabe cient resource and strategic partner. ANCILLARY AUTO & HOME CORPORATE EDUCATION MEDICAL Martha Reddington Brian Singeton, JD Cient Reationship Manager Empoyee Benefits Advanced Markets Speciaist Genn Mieke Diane Wagner Functiona Manager Auto & Home Cient Reationship Manager Individua Protection Products comprehensive approach A to your financia strategy CHARITABLE GIFTING STRATEGIES 401(K) PENSION RETIREMENT DISABILITY INVESTMENTS VOLUNTARY LONG-TERM CARE FINANCIAL AND ESTATE PLANNING LIFE Unike companies that offer standardized soutions to compex conditions, we isten first, and then think objectivey about how to best meet your persona needs.

3 Effective strategies for your ife Effective benefits strategies for your business Reddington Advisory Group wi ensure the proper strategies are put into pace to obtain the goas that are unique to your ife. We offer a wide range of strategies for your ife, incuding: Retirement Panning Fee Based Financia Panning* Income Continuation Estate Panning Strategies Anaysis and Seection of Asset Aocation Individua Retirement Accounts (IRAs) Coege Funding Strategies Life Insurance At Reddington Advisory Group we take a comprehensive approach to meeting your financia needs and goas. We meet personay with a of our cients to provide the experience of an in-depth process that identifies your financia position and heps us to better understand your current ife situation. This process wi hep determine if you are making the most sound choices when it comes to your financia goas. From here, we are abe to anayze your position to find better ways to protect your income and your assets at every stage in your ife. We work together to design a strategy to hep you invest your assets in order to meet your identified goas by taking into consideration your persona circumstance and risk toerance. Within this strategy we incorporate the proper tax panning and estate panning that may need to be impemented to find the best possibe approach to meet your needs. Whether your goa is retirement, buying a new home, or protecting the ones you ove, Reddington Advisory Group wi ensure the proper strategies are put into pace to obtain the goas that are unique to your ife. RETIREMENT AND PROTECTION FINANCIAL PLANNING AND INVESTMENTS Fixed and Variabe Annuities Disabiity Income Insurance Protection Long-Term Care Insurance Auto & Home Insurance Individua Stocks and Bonds Mutua Funds/ETFs Managed Accounts The empoyee benefits industry is chaenging, highy reguated and ever changing. We are committed to providing a consutative approach to understanding heathcare in today s market. Our roe as empoyee benefits speciaists is to bring soutions to our cients on a proactive basis. Reddington Advisory Group serves a diverse group of sma to mid-sized empoyers throughout the tri-state area. We differentiate ourseves in the empoyee benefits marketpace by taking a hoistic approach to panning. Benefits are a great investment in your empoyees, but they are aso the highest cost driver. We design benefits programs and deveop funding strategies that maximize vaue whie addressing the specific needs of your business and your empoyees to find cost effective eves of coverage. From one empoyee to 5,000, no matter what size the group, our cients can expect to receive the same eve of commitment to their company s benefits program. The success of our cient reationships is a direct resut of the personaized support and attention that each cient receives. We aso work one-on-one with your empoyees to hep them connect workpace benefits with their tota financia picture, heping to enabe them to create a sound financia strategy for the future. Our extensive market search and negotiations resut in cost effective coverage with ony the highest quaity providers. PRODUCTS Medica Insurance Denta Insurance Life / AD&D Insurance Short-Term Disabiity Long-Term Disabiity Vountary Benefits Section 125 POP Pan Heath Reimbursement Account (HRA) Heath Savings Account (HSA) Fexibe Spending Account (FSA) Long Term Care Insurance Executive Benefits Program Dependent Care Account (DCA) SERVICES Annua reviews of your entire empoyee benefits program Assistance with COBRA and state continuation administration Continuing education on the ACA and other industry changes Effective empoyee education and communication Troubeshoot caims and biing disputes with carriers on behaf of your empoyees Assistance with reguatory compiance Day-to-day account management Assistance with creating and impementing weness programs THE THREE BUSINESS OBJECTIVES RETENTION ATTRACTION PRODUCTIVITY Across ife stages, empoyees consistenty beieve a personaized benefits package woud hep them make better benefits decisions. Source: 7th Annua MetLife Study of Empoyee Benefits Trends, Empoyees who indicate that medica insurance benefits are very important for: Staying With My Empoyer Heping Me Fee Financiay Secure Heping Me Stay Heathy Source: 9th Annua MetLife Study of Empoyee Benefits Trends, % 64% 63%

4 Corporate Empoyee Education The Financia Panning Process Financia and retirement education at the workpace has become an essentia component of any comprehensive benefits package. Reddington Advisory Group heps you meet the diverse financia needs of your empoyees, reduce your administrative budget, and increase the appreciation of the benefits we offer with our financia education series. Our team provides your empoyees with access to a range of financia and retirement education resources through on-site workshops, with optiona persona consutations, and decision-support assistance. Step 1 DISCOVERY INTERVIEW Understand your unique goas and objectives Transitions Soutions Our unique guidance program assists empoyees experiencing a change in benefits due to retirement, eaving empoyment vountariy or invountariy, or a reduction in coverage, and heps them make informed decisions about their finances and coverage. Step 2 GATHER DATA Gather your data to deveop your persona pan Deivering the Promise Our support and financia advice program for caims beneficiaries heps them understand and choose the best options for managing and protecting their funds during a difficut time. Step 3 ANALYZE AND DEVELOP PLAN Anayze your current situation and deveop comprehensive soutions EFFECT OF ON COMPETITIVE POSITION: RECENT RESEARCH SHOWS: Step 4 PLAN PRESENTATION AND DELIVERY Review your pan and discuss recommended strategies Companies with the most effective heath and productivity benefits programs experienced superior performance in three significant areas. 57% Higher Sharehoder Returns 20% More Revenue Per Empoyee 61% of empoyees woud ike their empoyers to provide access to financia and retirement panning to hep them make informed decisions about financia needs. 2 45% of empoyers state that financia guidance programs in the workpace can be effective at improving productivity. 2 Step 5 Step 6 PLAN IMPLEMENTATION MONITOR AND UPDATE Impement pan recommendations Monitor your pan and update periodicay Source: Watson Wyatt Wordwide: 2007/2008 Staying@Work Report. 16% Higher Market Vaue 62% of empoyees who receive financia education at the workpace are very satisfied with their benefits. 2 MetLife does not provide tax or ega advice. Pease consut your tax advisor or attorney for such guidance. Metropoitan Life Insurance Company (MLIC), New York, NY Securities products and investment advisory services offered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC) and a registered investment adviser, 1095 Avenue of the Americas, New York, NY MLIC and MSI are MetLife companies. MetLife Premier Cient Group is the distribution channe name for the offices of MLIC. Financia Panning offered by company approved Financia Panners.

5 FORTUNE 500 is a registered trademark of FORTUNE 500 magazine, a division of Time, Inc. 1 9th Annua Study of Empoyee Benefits Trends, th Annua Study of Empoyee Benefits Trends, Wood Avenue South, Suite 301 Isein, NJ Phone: Fax: mreddington@redadvisory.com Metropoitan Life Insurance Company (MLIC), New York, NY Securities ofered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC). MetLife Auto & Home Insurance is ofered by Metropoitan Property and Casuaty Insurance Company (MPCIC), and its afiates, Warwick, RI. MLIC, MSI, and MPCIC are a MetLife companies. Neither MetLife nor its representatives ofer ega or tax advice. Pease consut with your ega and tax advisors about your specifc situation. L [exp0716][NJ]