8200 Greensboro Drive, Suite 100-A, McLean, Virginia 22102 703-342-1740125 Worth Avenue, Suite 212, Palm Beach, FL 33480 561-653-5570

TheAtlanticGroup.BBTScottStringfellow.com

Private Wealth Management Corporate and Executive Services Fiduciary – Nonprofit, Corporate and Institutional Retirement Services

Financial Planning or Investment Policy Statement Development Comprehensive Asset Management

Stock Option Planning Lending Services Insurance Estate Planning and Trust Services Business Sale and Transition Planning

p l a n e x e c u t e a d a p t a c h i e v e

BUSINESS SEGMENTS FUNDAMENTAL SERVICES SPECIALIZED SERVICES

The Atlantic Group is a multi-disciplinary team of financial specialists with more than 110 years of combined experience in managing wealth for individuals and institutions.

Our philosophy is that successful wealth management is dependent on the development of a customized, realistic and achievable financial plan.

With goals and objectives clearly defined, we execute the plan using independent, flexible and diversified investment strategies. Our process includes careful attention to managing risk, employing a macro-driven tactical overlay that can readily adapt to changing economic conditions and evolving personal needs.

We believe that client engagement in the investment process is a necessary element to achieve long-term goals. We provide a consistent review process as well as extensive client education services through individual meetings, conference calls, letters and seminars. Our mission is to keep our clients insulated from headline risk and volatility, which can weaken their commitment to their long-term plan.

Our Process

MONITORPROGRESS ANDRESULTS

CONSTRUCTAND IMPLEMENTTHE OPTIMALPORTFOLIO

DEVELOP THEAPPROPRIATEASSET ALLOCATIONMODEL

PREPARE ACOMPREHENSIVEFINANCIAL PLANOR INVESTMENTPOLICY STATEMENT

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Diversification does not ensure against market loss. Asset Allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Comments regarding tax implications are informational only. BB&T Scott & Stringfellow and its representatives do not provide tax advice. You should consult your individual tax professional before taking any action that may have tax consequences. BB&T Scott & Stringfellow is a division of BB&T Securities, LLC, member FINRA/SIPC. BB&T Securities, LLC, is a wholly owned nonbank subsidiary of BB&T Corporation, is not a bank, and is separate from any BB&T bank or nonbank subsidiary. Investment Advisory Services are offered through BB&T Securities, LLC, a Registered Investment Advisor. Securities and insurance products or annuities sold, offered, or recommended by BB&T Scott & Stringfellow are not a

deposit, not FDIC insured, not guaranteed by a bank, not guaranteed by any federal government agency and may lose value.

Traditional bank products are offered through Branch Banking and Trust Company, Member FDIC and Equal Housing Lender . Only deposit products are FDIC insured. Loans are subject to credit approval.

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T h e m A r T i n h o r n g r o u p o f b b & T s c o T T & s T r i n g f e l l o w

PETER J. CLARKE, Senior Managing DirectorPClarke@BBTScottStringfellow.com | (561) 653-5569

As co-founder of The Atlantic Group, Peter serves as lead strategist and senior relationship manager for the team’s private wealth management and corporate services efforts. He began his career at Morgan Stanley Dean Witter in New York and has more than 30 years of experience as a financial advisor. Since joining BB&T Scott & Stringfellow in June 2009, he has been recognized annually as a member of the President’s Advisory Council and a Top 10 Advisor in the firm. Peter has been selected as one of the Top 400 Financial Advisors in the Nation by The Financial Times in 2015 and 2016. Peter earned his Bachelor’s Degree from Franklin & Marshall College in Lancaster Pennsylvania in 1980, and his Master’s Degree in Economics from George Washington University in Washington DC in 1985.

WILLIAM F. BRINKLEY, Managing DirectorBBrinkley@BBTScottStringfellow.com | (703) 342-1745

Bill serves as a senior relationship manager and the Fiduciary Services team leader, working closely with individuals, non-profit organizations, foundations and corporate retirement plans to develop and improve their investment management process. With more than 28 years of industry experience, Bill has served on many boards and committees and is uniquely qualified to guide organizations with their investment decisions. Bill joined BB&T Scott & Stringfellow in June of 2009 after co-founding The Atlantic Group in 2000, and has been honored by the firm for his outstanding professionalism and leadership. He holds a Bachelor of Business Administration Degree with a concentration in Finance from Virginia Commonwealth University.

DREW M. KARR, CIMA®, Vice PresidentDKarr@BBTScottStringfellow.com | (703) 342-1748

Drew is a senior relationship manager for private wealth clients as well as the team leader for the Group’s Corporate & Executive Services practice. He works directly with our corporate executive clients and business owners; advising on monetization strategies, investment management and generational wealth planning. Drew joined the team in 2006 while at Wachovia Securities, a predecessor to Wells Fargo Advisors. Drew holds his Certified Investment Management Analysts (CIMA) certification, and is a graduate of The Pennsylvania State University with a Bachelor’s Degree in Accounting. Investment Management Consultants Association (IMCA®) is the owner of the certification marks “CIMA®,” and “Certified Investment Management Analyst®.” Use of CIMA® or Certified Investment Management Analyst® signifies that the user has successfully completed IMCA’s initial and ongoing credentialing requirements for investment management consultants.

NEVA E. HAGOPIAN, Senior Vice PresidentNHagopian@BBTScottStringfellow.com | (703) 342-1749

In addition to serving as a client relationship manager, Neva’s responsibility as the Group’s asset management specialist includes constructing asset allocation models and developing the appropriate blend of investment managers best suited to meet each client’s needs. Neva has also developed an expertise in behavioral finance, helping clients avoid emotional decisions in favor of rational long-termstrategies. She has more than 28 years of experience as a financial advisor and was the Managed Account Liaison in one of the largest Merrill Lynch offices worldwide prior to joining The Atlantic Group in 2003.

BB&T Scott & Stringfellow is a division of BB&T Securities, LLC, member FINRA/SIPC, and Registered Investment Advisor. BB&T Securities, LLC, is a wholly owned nonbank subsidiary of BB&T Corporation, is not a bank, and is separate from any BB&T bank or nonbank subsidiary. Securities and insurance products or annuities sold, offered, or recommended by BB&T Scott & Stringfellow are

not a deposit, not FDIC insured, not guaranteed by a bank, not guaranteed by any federal government agency and may lose value.

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NIKKI HYLTON, Branch Operations Manager NHylton@BBTScottStringfellow.com | (703) 342-1751

Nikki joined the team as an administrative associate shortly after obtaining a Bachelor’s degree in Economics from Virginia Tech in 2009. She now serves as a research analyst within the Group’s asset management department and oversees the operations and administration of both office locations. She supports the team with investment due diligence matters and continually strives to improve overall operational efficiency. She is responsible for ensuring the offices are compliant with both firm and industry requirements and regulations.

ERICA ALLEN, Business Development Officer EAllen@BBTScottStringfellow.com | (561) 653-5571

Erica is responsible for leading the Group’s marketing efforts and also works closely with corporate clients, servicing stock option and restricted stock plans by overseeing trade execution through programmed trading schedules. She is the primary liaison for business development and works directly with individuals and businesses to maintain and enhance the client experience. Erica joined The Atlantic Group in 2011, after earning her Master’s Degree in Public Administration from Morehead State University in 2010.

RYAN WILLIAMS, Client Service AssociateRSWilliams@BBTScottStringfellow.com | (703) 342-1753

Ryan provides technical and administrative support for all business segments. She is responsible for opening and updating client accounts, as well as overseeing asset transfers. Ryan completes the team’s commitment to service excellence by being responsive to all clients’ needs. Ryan earned her Bachelor’s degree at the University of Maryland and joined The Atlantic Group in 2015.

AHMED BASHSHITI, Client Service AssociateABashshiti@BBTScottStringfellow.com | (703) 342-1743

Ahmed joined the team as an administrative associate in 2016 after receiving his Bachelor’s degree atVirginia Commonwealth University. He is responsible for processing all fund wires, asset transfers, and journals. He is responsible for client service related matters and provides support for all avenues of business.

Diversification does not ensure against market loss. Asset Allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Comments regarding tax implications are informational only. BB&T Scott & Stringfellow and its representatives do not provide tax advice. You should consult your individual tax professional before taking any action that may have tax consequences. BB&T Scott & Stringfellow is a division of BB&T Securities, LLC, member FINRA/SIPC. BB&T Securities, LLC, is a wholly owned nonbank subsidiary of BB&T Corporation, is not a bank, and is separate from any BB&T bank or nonbank subsidiary. Investment Advisory Services are offered through BB&T Securities, LLC, a Registered Investment Advisor. Securities and insurance products or annuities sold, offered, or recommended by BB&T Scott & Stringfellow are not a

deposit, not FDIC insured, not guaranteed by a bank, not guaranteed by any federal government agency and may lose value.

Traditional bank products are offered through Branch Banking and Trust Company, Member FDIC and Equal Housing Lender . Only deposit products are FDIC insured. Loans are subject to credit approval.

Investment Banking Pre-IPO Planning Transfer Agent Services Stock Option/ESPP Administration Corporate Cash Management 144 Filing, Form 4 Reporting, Restricted Stock Expertise Non-Qualified Deferred Comp Plans

Employee Education Seminars Pre-Sale Tax Analysis Monetization Strategies Web, VRU or Advisor Assisted Trading Institutional Trading Desk for Large Orders 10b5-1 Plan Management Equity Collars and Hedges

Financial Planning for Diversification, Income, Estate and Tax Purposes Portfolio Management Insurance Trust Services Lending/Margin Capability Credit and Banking Services

BUSINESS SERVICES TRANSITION SERVICES INDIVIDUAL SERVICES

Sale of a Private Business – Pre-Sale PlanningProper attention to tax, estate and wealth management structural planning before a transaction may result in significant income and transfer tax savings. Our services are designed to: Maximize after-tax wealth Move value downstream with minimum transfer tax consequences Prepare a long-term strategic plan for newly created financial assets

Tax ConsiderationsHow your assets are held at the time of the sale can be critical to satisfying your overall wealth planning objectives. Transfer tax (gift only) is currently assessed at a maximum tax rate of 35% of the value of the asset at transfer Gifting partial interest or shares of your company prior to a transaction to family members or to structural planning vehicles may result in significant transfer tax savings Income tax liability, particularly alternative minimum tax, may also affect your choice of strategies

Income Generation and Wealth Preservation Planning to generate lifetime income from business sale proceeds Investment strategies for wealth preservation and inflation risk mitigation

Potential Issues to Explore Does my estate plan, including insurance coverage, need to change? Are my designations of executor/trustee still appropriate? How will family dynamics change? How should I organize long-term tax and philanthropic planning following the business transaction?

The Atlantic Group and BB&T Corporate Services Include:

CORPORATE & EXECUTIVE SERVICES

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