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T H E I M P O R TA N C E O F M O N E Y F LOWS F R O M I T B E I N G A L I N K B E T W E E N T H E P R E S E N T A N D T H E F U T U R E. John Maynard Keynes Economist, Nobel Laureate 1883 1946

A N E W K I N D O F B A N K WITH A P R O F E S S I O N A L S E RV I C E S A P P R OAC H CAPITAL ACCUMULATION PLAN What is your banker s name? Chances are, if you don t know the name of your banker, your bank doesn t know you or your financial goals. At Metropolitan Capital Bank, we strive to understand and serve each client individually. Metropolitan Capital Bank is the only bank in Chicago specifically designed for the metropolitan professional. At MetCap, each client is provided with relationship-based, integrated financial services that are custom-tailored to a level typically reserved for only the wealthiest customers at most banks, if they are available at all. FDIC insured, MetCap offers each of its clients traditional banking services such as interest-bearing checking accounts, money market accounts, and loans. Through its premier partners, MetCap offers an array of additional services including 401(k) management, investment management, risk and insurance management, and tax and accounting management. Private Capital Manager SM (PCM): The centerpiece of the MetCap experience is the Private Capital Manager. As your personal, one-on-one banking consultant, your MetCap Private Capital Manager will provide you with truly integrated financial consulting that takes into account your entire fiscal picture. Your Private Capital Manager will work with you to design a comprehensive plan to achieve your short and long-term goals. If your plans for the future should change, your Private Capital Manager will work with you to adjust your approach to continue on a path to success. Capital Accumulation Plan SM (CAP) : At MetCap, your Capital Accumulation Plan is the platform to achieving your financial goals. Whether it is buying your dream home, or a trip around the world, we understand your aspirations will involve planning and we are both eager and able to help. At MetCap, a Capital Accumulation Plan is the foundation for delivering integrated cash & investment management, lending, tax management, and risk management grounded in the fundamentals of financial planning. Your Private Capital Manager will work with you to either establish or refresh your Capital Accumulation Plan throughout your life as a MetCap customer. Your custom tailored and integrated financial design, grounded in the fundamentals of the financial planning process

A P E R S O N A L C FO At MetCap, understanding the client differently means serving the client differently. Therefore, we offer a variety of services tailored to meet the specific needs of our clientele and delivered to meet the high standards that our clients deserve. Your Private Capital Manger (PCM) can act as your personal CFO. Together, you and your PCM will tailor your Capital Accumulation Plan (CAP) based on the fundamentals of financial planning. As a part of assembling your Capital Accumulation Plan, your PCM will advise you on concepts such as how to use various debt instruments to your advantage, how to effectively manage your cash, how to understand your financial capacity to tolerate risk, and how to develop tax and accounting strategies. Short-Term and Long-Term Lending: With a competitive range of short-term and long-term loans, MetCap can provide lending solutions to address any of your private or professional interests. Your PCM will work closely with you to develop a debt management strategy, integrated with your comprehensive cash management plan: including how to structure your consumer or commercial mortgage; how to most effectively leverage your assets; and how to best integrate refinancing into the debt management process. Interest Bearing Accounts: All of MetCap s primary accounts are interest bearing, including checking accounts, money-market accounts, and CD s. Together with your PCM, you can put together a program to most efficiently manage and grow your cash assets. Your PCM can establish balance triggers, designed to automatically sweep excess liquidity from these accounts into your investment accounts, thus enabling the prospect of optimal growth.

METCAP AND ITS PARTNERS THE SHORTEST DISTANCE BETWEEN YOU AND YOUR FINANCIAL GOALS METCAP PARTNERS Cash, Asset, Risk and Tax Management While MetCap s individually tailored strategies and excellent service provide peace of mind, our integration with extended financial resources asset (investment) management, risk (insurance) management and tax management can help to enable their ultimate success. Drawing from this premiere collection of financial partners, you and your Private Capital Manager can design a Capital Accumulation Plan that is as flexible as it is effective. 401(k) Management: Your Private Capital Manager (PCM) can help you to optimize growth opportunities within your 401(k) or retirement plan as an integrated part of your Capital Accumulation Plan (CAP). By drawing on the expertise of our partner Pinnacle Fund Management, Inc., MetCap is able to help you better manage investments in your 401(k) account. Through Pinnacle s management services, you can have your 401(k) account professionally managed without needing to change the structure or the setup of your account with your current employer. In addition to this personalized 401(k) management, Pinnacle can also assist self-employed individuals and business owners with establishing and managing their appropriate retirement plan. Investment Management: MetCap has partnered with a team of investment specialists who are fully equipped to provide you comprehensive investment advisory services Pinnacle Fund Management Inc., Segall Bryant & Hamill and William Blair & Company Select Investment Partners. Utilizing this network, your Private Capital Manager possesses both the knowledge and resources to help you reach your investment goals. Risk & Insurance Management: To be thoroughly effective, any plan for the future should attempt to take the unexpected into consideration. As such, your Private Capital Manager has the ability to integrate comprehensive insurance coverage into your CAP through our partners AON Private Risk Management or Executive Capital Resources. With life, disability, property & casualty, and several other areas of insurance coverage, MetCap s insurance partners can help you to ensure security and peace of mind for you and your loved ones. Executive Capital Resources Tax and Accounting Management: MetCap s partnership with CBIZ Accounting, Tax & Advisory Services allows you and your PCM to seamlessly integrate tax strategy into your broader CAP. Combined with MetCap s investment and risk management partners, your PCM can help you develop and implement a tax effective wealth management strategy.

SERVICE AT THE SPEED OF LIFE MetCap knows that it s not enough to offer a full range of services to our clients; those services have to be accessible and available when and where our clients want them. Accessibility: At MetCap, we hold that our services are advantageous to you only insofar as you can use them. MetCap and its PCMs strive to accommodate the busy life of the metropolitan professional by offering flexible consultation schedules. Our PCM s are always available by direct phone line enhanced by an automated call forwarding service that links you directly to your PCM s cellular phone. If your schedule precludes an in-person visit, MetCap offers a robust array of online services allowing unlimited access to your finances. We also provide Wi-Fi internet access and work areas at our home office facility for your use. Consolidated Information Access: MetCap condenses your collective account activities with MetCap and its partners into a single paper and electronic statement. Supported by 24-hour account tracking and state-of-the-art security software, MetCap s information consolidation services eliminate the need for multiple paper statements while enabling a clearer and more comprehensive vision of your net worth. Online Bill Payment: MetCap offers you an unlimited, 24-hour online bill payment system free of charge for qualifying checking accounts. ATM Surcharge Reimbursements: In the interest of providing premium convenience, MetCap will reimburse the charges from up to five out-of-network ATM transactions per customer, per month up to $1.50 per surcharge. MetCap Visa Credit and Debit Cards: Another component of MetCap s integrated services is the MetCap Platinum Visa Credit and Debit Cards, which allow for maximum monetary freedom and qualify you for several reward programs. Through consolidating your credit into a single account, be it a home equity line or other form of credit, you can manage your finances with greater ease and track your Platinum benefits and reward points as they accumulate. Ability to Make Deposits at Any Fifth Third Branch: MetCap provides you with special deposit slips that allow you to make deposits to your MetCap account at any Fifth Third Bank branch location. With over 100 Fifth Third Bank locations in the Chicagoland area alone, this deposit arrangement means that you won t have to compromise your schedule to handle your transactional banking needs.

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METROPOLITAN CAPITAL BANK NINE EAST ONTARIO CHICAGO, ILLINOIS 60611-2709