Private Client Group

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1 Private Client Group

2 Our Commitment to You On behalf of our clients, Sterling Capital Management strives to: Deliver strong investment performance and exceptional service Foster a work environment built on integrity, communication, respect and teamwork Grow profitably in order to attract and retain the best people Embrace change as the means to improve the quality of our services

3 Your Legacy Long-Term C How Will Your Legacy Be Told? Our legacies are made through the lives we influence. And the stories people tell when they remember us. Financial success allows you to determine your own legacy. To write your own story. One that will inspire others. And help them achieve their own dreams. At Sterling Capital Management, our goal is to help you secure your story for generations to come. Through objective advice and personal attention, we can help you create wealth management solutions that are aligned with your goals and objectives. We will work closely with you to address your needs, both today and in the future, so that you can secure your legacy. For your family. For your community. Financial success allows you to determine your own legacy.

4 Our History Institutional Experience for the Individual Investor Our For more Philosophy than four decades, the Private Client Group of Sterling Capital Management has focused on the complex needs of affluent individuals and families. Over this period we have witnessed a variety of investment cycles. It is our belief that long-term, successful wealth management is primarily attributable to a disciplined, professional investment program. Since 1970, Sterling has been dedicated to providing our clients with outstanding service in achieving their investment goals. Our enduring commitment to this mission has enabled us to grow into a multibillion dollar investment firm serving sophisticated individuals and institutional investors throughout the world. Sterling offers objective wealth management advice and investment management solutions to individuals nationwide. We have a team of knowledgeable and experienced professionals dedicated to the high net worth client. The Private Client Group benefits from the firm s success in serving sophisticated institutional investors. The ability We have the capabilities, to draw upon the full institutional credentials and focus resources of our firm provides us with insight to better serve designed to address affluent individuals and families. Our singular mission is to assist your most complex families of significant wealth with all investment and private banking investment needs. needs with objectivity, flexibility and discretion. Sterling is an independently operated subsidiary of BB&T Corporation, one of the nation s largest financial services holding companies. Our relationship with BB&T provides us with the resources to create integrated and customized wealth management strategies for our clients. Based in Charlotte, N.C., Sterling Capital Management has offices in Atlanta, Raleigh, San Francisco and Washington, D.C.

5 A Solid Core of Beliefs Our wealth management philosophy is based on the principle that each client is unique and deserves a customized approach and solution. Our philosophy is driven by the following beliefs: Our clients have complex needs that require our full understanding and a wide range of sophisticated solutions. Comprehensive wealth management should include not only managing the investment portfolio, but also helping to coordinate our clients estate, tax, insurance, banking and other financial needs. Sophisticated, affluent clients benefit most from a disciplined, long-term investment process. Asset allocation is critical in producing returns that meet expectations; diversification among different asset classes and investment styles reduces risk and produces more consistent returns. Investment management and wealth planning should be integrated. Tax efficiency and planning are significant factors affecting the ultimate success of our wealth management strategies. Open architecture employing managers across a broad spectrum of traditional and non-traditional asset classes is essential for optimal performance. We execute on these beliefs with the highest level of client service, objective advice and discretion.

6 Our Process A Framework Built Around You Our starting Investment point is you and your family. We will never make recommendations Awithout understanding your goals, priorities and preferences. We listen carefully and ask detailed questions to establish an unwavering focus on you and your priorities. From that understanding, we develop a plan for preserving the wealth you ve created and managing its growth. This includes a list of objectives and a disciplined strategy that we will follow during your lifetime and across generations. To support you in reaching your objectives, we provide a team of experienced professionals and support staff with expertise in the areas of investment management, fiduciary services, private banking and risk management. This coordinated approach with our BB&T affiliates provides you with the full benefits of integrated wealth management. We also are a willing partner in working with other designated advisors, including attorneys, accountants and other outside specialists. We believe that our clients financial needs go far beyond the management of their investment portfolios. Complexities exist that require a comprehensive approach to helping our clients achieve their objectives. Our goal is to be our clients advocate in all financial affairs placing the team in an ideal position to evaluate, coordinate and provide assistance for other key elements of the plan. Estate Planning & Wealth Planning Insurance & Family Risk Management Investment Management STERLING Philanthropic Planning YOU Fiduciary Services ACCOUNTANT STERLING ATTORNEY Custom Reporting Private Banking Tax Planning Each specialty within your comprehensive strategy is important. But optimal results are achieved only through seamless coordination and partnership focused clearly on your behalf.

7 Our Investment Approach Custom Solutions, A Single Discipline Our While each of our Platform clients has a customized investment program, the development and execution of the program is consistent for all. initial meetings Our goal is to learn as much as possible about you and your family. We ask a lot of questions. In assessing your situation, we consider such factors as investment goals, risk tolerance, income needs, time horizon, tax requirements and any other unique circumstances you may have. Following a comprehensive review of your objectives, we can develop a tailored solution to meet your needs. Investment policy development After identifying your needs, we develop an initial investment policy that describes the goals we are seeking to achieve and the techniques that we will use to realize those goals. It is imperative to us that you are comfortable with the policy before it is implemented. Your investment policy includes asset allocation recommendations designed to maximize returns within a suitable range of risk and volatility. The diversification created by this asset allocation is one of the best tools to manage risk and reduce volatility. Investment Plan Implementation We offer the capability of utilizing best-in-class managers in all investment categories. Our manager selection process is a disciplined approach to identifying managers who have demonstrated the ability to generate attractive and competitive investment results over time. We recognize that market fluctuations are unpredictable and our clients portfolios must be continually examined. While we do not believe in market timing, we do periodically rebalance portfolios to maintain our asset allocation targets. In addition, clients circumstances often change, necessitating a modification in investment policy. We make certain that such adjustments are implemented smoothly and monitored consistently. Periodic client reviews Communication is critical to a successful client relationship, and our team is available and accessible at all times. We also meet with you regularly to formally discuss performance and any changes to your situation that might require an alteration of your investment policy. Monitoring Results Review Asset Allocation Rebalancing Review Family Circumstance Customized Reporting Assessment Interviews Current Estate Documents Tax Returns Current Portfolio Family Goals YOU Implementation Portfolio Construction Capital Transition Analysis & Structuring Estate Planning Tax Planning Investment Policy Asset Allocation Insurance Analysis

8 Our Platform The Right Tools to Achieve Your Goals Complementary Sterling s investment platform offers a broad array of investment solutions Sto meet your needs. Our team has the ability to draw upon a variety of investment providers, including both proprietary and non-proprietary managers, to deliver the full spectrum of capabilities - from traditional asset classes to alternative investments. Manager due diligence and selection are supported by extensive research allowing us to offer a full array of strategies including: Domestic Equity & Fixed Income Developed & Emerging Markets Commodities Convertible Fixed & Preferreds Concentrated Positions Strategies Real Estate Structured Products Alternative Investments Sterling s goal is to build portfolios using the appropriate blend of strategies that meet your objectives.

9 Our philosophy and approach is based on providing comprehensive advice and personalized investment management to our clients. Our investment philosophy is based on the following beliefs: Asset allocation is a dynamic process Blending multiple asset classes is important Maintaining a global perspective is key Utilizing best-in-class managers is critical Having a client-driven approach is paramount Our objective is to deliver strong investment returns over full market cycles, to participate in rising markets while mitigating downside risk, and to deliver returns that exceed stated benchmarks and our peers. Multiple Asset Classes Dynamic Process PORTFOLIO ASSET ALLOCATION Global Perspective Best-In-Class Managers

10 Investment Counsel for the Long Term We are very proud of our long track record of providing outstanding service and investment performance for our clients. Our firm has grown substantially over the years by continuing to focus on our core strategy. Our clients demand the best and we strive to meet that challenge. We are ready to help you determine what is required to leave a legacy that reflects your values and passions. The members of your advisory team will demonstrate the highest integrity in offering objective recommendations that address your financial management needs. We are committed to putting your interests first. This applies to our recommendation of all product and service providers, including BB&T. Our relationship with BB&T allows us to operate as an independent firm while enriching our offerings to include complementary services from one of the nation s largest financial services companies.

11 The best time to start planning is now. We would be delighted to have the opportunity to discuss your needs and the capabilities of the Sterling Private Client Group. The opinions contained in the preceding commentary reflect those of Sterling Capital Management LLC, and not those of BB&T Corporation or its executives. The stated opinions are for general information only and are not meant to be predictions or an offer of individual or personalized investment advice. They are not intended as an offer or solicitation with respect to the purchase or sale of any security. This information and these opinions are subject to change without notice. Any type of investing involves risk and there are no guarantees. Sterling Capital Management LLC does not assume liability for any loss which may result from the reliance by any person upon such information or opinions. Investment advisory services are available through Sterling Capital Management LLC, an independently operated subsidiary of BB&T Corporation. Sterling Capital Management LLC manages customized investment portfolios, provides asset allocation analysis and offers other investment-related services to affluent individuals and businesses. Securities and other investments held in investment management or investment advisory accounts at Sterling Capital Management LLC are not deposits or other obligations of BB&T Corporation, Branch Banking and Trust Company or any affiliate, are not guaranteed by Branch Banking and Trust Company or any other bank, are not insured by the FDIC or any other federal government agency, and are subject to investment risk, including possible loss of principal invested. Sterling Capital Management LLC employees do not offer tax advice. Contact your tax professional regarding tax deductibility of interest.

12 Charlotte Office Two Morrocroft Centre 4064 Colony Road, Suite 300 Charlotte, NC Washington, D.C. Office th Street, NW Suite 450 Washington, D.C

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