Disclaimer: United Parcel Service (UPS) has not endorsed or approved Biltmore Capital s advisory services. All advisory services for UPS executives

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1 Disclaimer: United Parcel Service (UPS) has not endorsed or approved Biltmore Capital s advisory services. All advisory services for UPS executives and retirees are provided by Biltmore Capital on an individual, customized basis based upon the investment needs and objectives of the client.

2 Advisory Services and Investment Solutions for UPS Shareholders The public stock offering in 1999 literally changed the lives of thousands of employees. Since that time, UPS shareholders, managers, and retirees have faced the challenge of addressing the many choices and options available when seeking financial investment advice. Biltmore Capital Advisors, a fully independent financial advisory firm, brings decades of combined experience working with UPS employees and retirees, and is fully versed in addressing your financial planning needs, issues and concerns. Disclaimer: United Parcel Service (UPS) has not endorsed or approved Biltmore Capital s advisory services. All advisory services for UPS executives and retirees are provided by Biltmore Capital on an individual, customized basis based upon the investment needs and objectives of the client.

3 Consider the benefits of financial investment guidance custom-tailored to the needs of individual UPS employees and retirees from a fully independent advisor: Biltmore understands UPS ownership guidelines, Restricted Stock Units (RSU s), Restricted Performance Units (RPU s), pension choices, and UPS employee stock option programs. We can help you understand the possible tax consequences related to timing your sale of UPS stock. If and when you might need it we can provide valuable advice regarding 401k investment and estate planning strategies, mortgage strategies, and insurance analysis. experience Over the past decade, we have developed a deep understanding of the UPS corporate culture based on our years of experience providing investment counsel to employees and retirees. Our team has years of experience working with Mellon Bank including gifting, converting stock to class B, and hypothecating class A shares. Our mission is to expand the range of possibilities of what your portfolio can achieve. We are committed to developing investment strategies in both traditional and nontraditional asset classes that provide you with effective ways to pursue your financial objectives, including smart and sound financial planning, diversification and risk mitigation. Disclaimer: United Parcel Service (UPS) has not endorsed or approved Biltmore Capital s advisory services. All advisory services for UPS executives and retirees are provided by Biltmore Capital on an individual, customized basis based upon the investment needs and objectives of the client.

4 A Customized, Personal Approach As part of Biltmore Family Office s process, a Personal Relationship Manager (PRM) will be assigned to your family based on a personality match and the complexity of your needs. The PRM s job is to show you the range of personal financial services we provide to help make your life easier and give you time for family and other interests. Your PRM will utilize the resources of Biltmore to develop a comprehensive family asset management plan that reflects a thorough understanding of your goals, objectives, specific needs, available resources and requirements for achieving the financial goals you want for your family. balanced, stable history Focus on Stability for Long-Term Success The concern we hear most often from our UPS employee and retiree clients is their desire to weather market swings with some stability. We believe that intelligent diversification, use of alternative investments, and focus on risk management are the keys to long-term financial success.

5 At Biltmore Capital we ve developed proprietary strategies and services designed to meet the individual needs and challenges unique to UPS investors. UPS customized strategies UPS Option Strategy Our dedicated UPS option trading team customizes programs based on your individual needs and concerns. The actionable trading ideas that our analysts produce are based on upcoming catalysts, noteworthy trading patterns, dividend protection, and our own fundamental research. Hypothecation Loan Program Unlike some other hypothecation loan programs, at Biltmore you can leverage your entire combined portfolio as collateral. In addition, Biltmore allows you to hold UPS stock options in collateral accounts. Web-based Asset Aggregation Services Biltmore offers clients the option of no-cost aggregation services. Your stock options, 401k, company stock, investments, bank accounts, liabilities, and credit cards rewards points are all on one website for tracking and easy viewing using one password. View and access all of your assets anywhere/anytime. Disclaimer: United Parcel Service (UPS) has not endorsed or approved Biltmore Capital s advisory services. All advisory services for UPS executives and retirees are provided by Biltmore Capital on an individual, customized basis based upon the investment needs and objectives of the client.

6 About Biltmore Capital Advisors As an independent SEC-Registered Investment Advisor, Biltmore Capital Advisors provides customized financial management solutions for individuals and families nationwide. Based on a deep understanding of the needs and problems that UPS employees and retirees face today, we have developed a comprehensive Family Office Approach that is customized to address the full range of services that your specific needs require. We are committed to delivering sound investment strategies and longterm innovative solutions through a high level of client service. Fully-Independent, Trusted Fiduciaries Unlike many other investment firms and brokerage houses, we don t have sales quotas for particular proprietary products that might be right or wrong for your portfolio. We focus on what is best for you and your family s financial security, and bring you personal peace of mind. Biltmore doesn t subscribe to the thinking that one firm can specialize in all forms of money management. We are free to pick and choose among the best products and brightest managers in the marketplace to address your particular needs, allowing us to focus on exactly what s best for you and your family. 33 Witherspoon Street Princeton, New Jersey Phone: Fax: Princeton Atlanta Dallas