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1 Fund Selec Premier

2 sraegy T R U LY P E R S O N A L I Z E D

3 Invesing for your presen and fuure financial needs can seem overwhelming. I shouldn be, and i doesn have o be. Implemening a well-conceived invesmen sraegy is vial o helping you reach your personal financial objecives and your Wealh Managemen Services (WMS) 1 financial advisor can help you ge here. Your invesmen needs and financial objecives can vary over ime. You may be planning for reiremen or hinking abou passing wealh on o he nex generaion. Your financial life changes as you ravel he journey of your real life, and you need a sraegic soluion ha is dynamic and adapable o your needs. A he end of he day, you need a solid relaionship wih a financial advisor whom you can believe in. A financial advisor who is commied o your success will have access o he ools ha can help you develop your personalized invesmen sraegy so you can focus on life s oher endeavors. WMS is a robus wealh managemen plaform providing you wih a sreamlined approach o invesing. Wih is personalized suppor and professional asse managemen, WMS makes i simple for you and your financial advisor o build, execue and manage a ruly personalized sraegy all for one asse-based fee. 2 Available invesmen opions have been reviewed 3 for inclusion in he WMS program. This means ha WMS akes he work ou of your hands so ha you can focus on wha s more imporan o you in your life. WMS is an inelligen approach o invesing personalized for each individual invesor. Personalized for you. 1 WMS is an invesmen advisory plaform wih he following advisory programs (each is a WMS Program ): Fund Selec, Fund Selec Premier, Advisor Selec, Advisor Selec Premier, Manager Selec and Manager Selec Premier. Please refer o MeLife Securiies, Inc. s ( MSI ) Form ADV, Par 2A or is Appendix 1 ( Form ADV ) for each WMS Program for deails. 2 Fee srucure varies according o he WMS Program ha you selec. Advisory fee does no cover all fees and charges. Please refer o he Form ADV for your seleced WMS Program for deails. 3 Lockwood Advisors, Inc. ( Lockwood ) screens, reviews and moniors invesmen opions for Fund Selec, Fund Selec Premier, Manager Selec and Manager Selec Premier. Lockwood is he co-sponsor and co-advisor wih MSI on hose WMS Programs. BlackRock Invesmen Managemen, LLC ( BlackRock ) is he sub-advisor for Advisor Selec Premier and is responsible for screening, reviewing and monioring invesmen opions under ha WMS Program. Your financial advisor will guide you on he invesmen opions appropriae for you under Advisor Selec. Please see he Form ADV for each WMS Program for deails.

4 Fee-Based Approach Fee-based asse managemen allows you and your financial advisor o share a common goal o grow he value of your asses. Insead of commissions based solely on ransacions, you will be charged an annual fee ha includes advisory services and execuion of ransacions. 4 An inegral piece of he process is developing a personalized sraegy wih your financial advisor ha you feel comforable wih. You will build a blueprin hrough one-on-one, in-deph, houghful conversaions, supplemened wih ools such as risk olerance quesionnaires, discussions of your financial objecives, and a review of hose objecives. This blueprin will serve as a guide o assis you in creaing your recommended porfolio in order o help you reach your objecive. In addiion, you may make appropriae adjusmens o your sraegy or selec anoher model porfolio based on discussions wih your financial advisor abou your: Invesmen Time Horizon Risk Tolerance Quesionnaire Recommended Model Porfolio Invesmen Proposal including Invesmen Policy Saemen The Case for Diversificaion 5 Diversificaion involves incorporaing differen invesmen syles such as large-cap growh, small-cap growh, inernaional securiies and even exposure o bonds ino your porfolio. The goal of diversificaion is o miigae he risk associaed wih holding a single ype of securiy in your porfolio. Diversificaion adds balance o your porfolio, since invesmen syles ac differenly depending on marke condiions. Each Year Has Is Bes Performers % 40.2% 23.3% 14.0% 26.9% 1.8% 40.0% 22.0% 13.8% 20.8% -10.1% 39.2% 20.7% 11.2% 19.6% -14.5% 37.3% 18.9% 8.8% 15.8% -15.4% 31.8% 15.7% 6.6% 14.6% -15.7% 31.0% 14.0% 6.3% 11.0% -19.2% 28.7% 10.9% 4.9% 10.6% -20.9% 25.7% 6.1% 3.5% 5.8% -22.1% 4.1% 4.3% 3.1% 4.9% % 1.15% 1.29% 2.43% 4.33% 4 May no apply o Advisor Selec. Please see o he Form ADV for your seleced WMS Program for deails. 5 While diversificaion hrough an asse allocaion sraegy is a useful echnique ha can help o manage overall porfolio risk and volailiy, here is no cerainy or assurance ha a diversified porfolio will enhance overall porfolio reurn or ouperform a porfolio ha is no diversified. Diversificaion canno eliminae he risk of invesmen losses, and pas performance is no a guaranee of fuure resuls.

5 I N F O R M E D O N Y O U R invesmens Simpliciy One accoun, one fee 6, one saemen. WMS makes i easy for you o review your accoun as you will receive a quarerly performance repor ha will keep you informed on how your invesmens are performing. You also have access o your financial advisor, who will help you say on rack. I s a parnership, and a sraegic soluion personalized o your needs % 5.2% 41.1% 30.5% 7.9% 11.6% 2.2% 33.7% 28.0% 4.6% 9.1% -29.5% 32.5% 24.7% 3.6% 7.0% -32.9% 31.6% 22.8% 2.1% 5.6% -34.9% 28.3% 15.1% 0.1% 5.5% -34.9% 26.4% 15.1% -0.5% 5.1% -37.0% 22.8% 15.0% -0.9% 2.7% -37.6% 21.2% 8.2% -1.4% 2.0% -39.2% 5.9% 6.6% -2.4% -5.54% % 0.21% 0.15% % Sources: Sandard & Poor s, Goldman Sachs, Morgan Sanley Capial Inernaional, NAREIT, Lehman Brohers. Large cap socks represened by he index; Small caps by he S&P 600 Small Cap index; Growh and value socks represened by he S&P 1500/Ciigroup Pure Growh and Pure Value Indexes; Bonds by he Lehman Brohers Aggregae Index; Foreign socks by he MSCI EAFE Index; Commodiies by he Goldman Sachs Commodiies Index; Real Esae by he NAREIT Equiy REIT Index; Pas performance does no guaranee fuure resuls. The above performance is no inended o represen any muual fund offering. 6 May no apply o Advisor Selec. Please see he Form ADV for your seleced WMS Program for deails.

6 Inroducing WMS Fund Selec Premier WMS Fund Selec Premier is a muual fund asse allocaion program, co-sponsored wih a hird pary invesmen adviser, Lockwood Advisors, Inc., ha les you and your financial advisor build, implemen and manage an invesmen sraegy ailored o fi your needs and o help you reach your financial objecives. By leveraging personalized porfolios, you and your financial advisor can manage o your invesmen objecives and risk olerance. Wih a robus universe of muual funds and Exchange Traded Funds (ETFs) 7 and wih 18 asse allocaion sraegies 8, including some ha are ax sensiive and some ha are enhanced for greaer diversificaion, Fund Selec Premier gives you and your financial advisor he ools o diversify and mee your invesmen needs. Tha s no all. Fund Selec Premier also provides ongoing monioring of your accoun, quarerly performance repors and auomaic accoun rebalancing o pu your accoun back on rack wih is original asse allocaion if necessary. These ools and ohers enable you and your financial advisor o build and adjus your Fund Selec Premier accoun, all for one fee ha covers he advisory and rade execuion services. 9 Facs a a Glance Asse allocaion sraegies Flexibiliy in cusomizing invesmen porfolios Approximaely 200 muual fund and ETF invesmen opions 10 Personalized, professional advice from your financial advisor Comprehensive quarerly repors Auomaic rebalancing 7 ETFs may only be offered by properly regisered Financial Advisors. 8 As of January Oher fees apply. Please refer o MSI s Fund Selec/Fund Selec Premier Program Disclosure Brochure, Form ADV for deails on oher fees ha may apply o he Fund Selec Premier program. 10 As of January 2013.

7 BUILD, IMPLEMENT AND manage The Invesmen Process Undersanding your personal objecives Monioring your accoun progress and working wih you o adjus he porfolio as necessary Deermining your risk olerance Implemening your invesmen sraegy Defining your asse allocaion sraegy WMS IS AN INTELLIGENT APPROACH TO INVESTING... PERSONALIZED FOR EACH INDIVIDUAL INVESTOR...PERSONALIZED for you

8 See he Wealh Managemen Services Disclosure bookle for, among oher documens: Lockwood Advisors, Inc. s Co-Sponsored Programs, Wrap Fee Program Brochure, Form ADV, Par 2A, Appendix 1; MeLife Securiies, Inc. s ( MSI ) Form ADV, Par 2A, Fund Selec/Fund Selec Premier Programs Disclosure Brochure; and he Fund Selec/Fund Selec Premier Invesmen Managemen Agreemen ( Agreemen ), for addiional informaion abou he Fund Selec Premier program. Clien s paricipaion in he Fund Selec Premier program is subjec o accepance by MSI and Lockwood Advisors, Inc., co-sponsors of he program, and he managemen of he clien s program accoun is governed by he erms and condiions of he Agreemen. Prospecive invesors should carefully review each invesmen produc s prospecus, saemen of addiional informaion and/or any oher available informaion for fees, expenses, risks and/or oher imporan disclosures prior o making any invesmen decisions. Prospecive invesors should also carefully review each invesmen adviser s Form ADV Disclosure Brochure before invesing. Wealh Managemen Services ( WMS ) is an advisory plaform ha offers various, discree advisory programs and services. Please consul wih your Financial Advisor o deermine which WMS program may be appropriae for you. No all Financial Advisors are licensed o offer all programs ha make up WMS. Please check wih your WMS Financial Advisor regarding he WMS program(s) ha hey offer. Securiies and invesmen advisory services offered hrough MeLife Securiies, Inc. ( MSI ) (member FINRA/SIPC), a Regisered Invesmen Adviser, 1095 Avenue of he Americas, New York, NY Lockwood Advisors, Inc. is a federally regisered invesmen adviser and an indirec wholly-owned subsidiary of Bank of New York Mellon and Pershing LLC. Lockwood Advisors, Inc. offers invesmen advisory suppor, services and/or managemen programs o various firms and heir cusomers. For more informaion concerning Lockwood Advisors, Inc. and is programs and services, please refer o Lockwood Advisors, Inc. s Form ADV, which may be obained by calling (877) or wriing o 760 Moore Road, King of Prussia, PA MSI is no affiliaed wih Lockwood Advisors, Inc., Bank of New York Mellon and Pershing LLC. The informaion presened in his brochure is for informaional purposes only and is no a soliciaion or a recommendaion o paricipae in WMS and/or o buy or sell any paricular securiies. No all invesmen producs or programs are appropriae for all invesors. MeLife Securiies, Inc Avenue of he Americas, New York, NY WMS FSP MSI L [exp1214][All Saes]

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