The Leonard Group - Oppenheimer & Co. Inc.

The LeonardGroupOf Oppenheimer & Co. Inc.

My MissionMy practice focuses in meeting the uniquefinancial needs of my clients by providingsound, unbiased advice with a high level ofpersonal attention and accessibility.By taking an individualized approach, Irecommend custom strategies to help ourclients work towards their goals whileattempting to minimize their exposure to risk.

Tailored SolutionsEvery situation is unique, so I work with you totailor a solution that addresses your needs. Inform and educate youabout various productsand services In-house or customizedopen architecturesolutions Wealth, estate orsuccession planningstrategies

What You Can ExpectFrom Oppenheimer & Co. Inc.Broad-Based Research•Objective advice andguidance•Unbiased research•Full spectrum of productsand servicesBreadth and Depth ofExperience•Time tested people•Highly qualified andknowledgeable•A firm in business for over120 yearsWe offerYOU…Greater Accessibility•Short lines ofcommunication•Ability to bring key people tothe table•Results focusedFocus•Personal client service•Someone who listens andunderstands•Honesty and integrity

Our Ongoing ApproachFinancialOverview &ObjectivesAssetAllocationOngoingReviewPortfolioImplementation

Step 1:Overview & ObjectivesI develop a thorough understanding of yourfinancial goals and objectives. Investment philosophy, risktolerance, time horizon, andcash flow needs Personal and familycircumstances Retirement goals and needs Tax concerns Estate and wealthplanning strategies Personalized living benefitsolutionsYour financial business strategy.

Step 2:Asset AllocationI believe asset allocation is critical inestablishing a sound investment strategy.Through proper diversification, I attempt toenhance return while managing risk.The sample asset allocations above are for illustrative purposes only and are not intended as a recommendation tobuy or sell. I do not undertake to advise you of changes in my figures or views. Each investor needs to consider therisks associated with each asset class in conjunction with their own goals and objectives in determining how toallocate their contribution.

Asset Allocation andDiversificationBased on your investment plan, an asset allocationstrategy is developed. Because individual asset classesthat are in favor one year may be out of favor the nextyear, I believe proper diversification is critical.Fluctuations in Relative Performance of Traditional Asset ClassesAnnual Returns of Indices Representing the Various Asset Classes (Jan 1990 – December 2010)Ranked in Order of Performance from Best to WorstJanuary 1990 through December 2010. Source: PerTrac Financial Solutions. Indices shown represent total return. All indices are unmanaged and are not investment vehicles. Index performancedoes not reflect the impact of transaction or management costs and other fees and expenses that would be incurred if actual investments had been made. Representative benchmark indicesinclude the following: S&P 500 Growth: S&P/Citi 500 Growth Index; S&P 500 Value: S&P/Citi 500 Value Index; Russell 2000 Growth Index; Russell 2000 Value Index; Russell MidCapIndex; MSCI EAFE Index; BC IT Gvt/Credit: Barclay Intermediate Term Government/Credit Index. The information and statistical data contained herein have been obtained from sources thatwe believe to be reliable. Past performance is no guarantee of future results. For illustrative purposes only and not intended to depict or predict the performance of any specific investment.

Step 3:Portfolio ImplementationOnce I fully understand your financial situation and anasset allocation has been established, I can help identifystrategies to implement a suitable portfolio mix.CD’sMutual FundsAnnuitiesProfessionalMoneyManagementStocksBondsAlternative Investments*For illustrative purposes only.* Alternative investments, such as Hedge Funds and Fund of Funds, are made available only to qualified investorsand involve varying degrees of risk, including the possible loss of principal invested.

Step 3:Professional MoneyManagementFor increased flexibility and customization, Imay utilize professional money managementwhere applicable.The managersperformance is regularlymonitored. If a managerfails to maintain thestandards for which theywere selected, we willrecommend changes.Working with the consultinggroup of OppenheimerAsset Management Inc., Ican identify moneymanagers with theinvestment process,organizational structure,track record and clientservice capabilities thatmake them suitable for you.Oppenheimer Asset Management Inc. and Oppenheimer & Co. Inc. are both indirect wholly owned subsidiaries ofOppenheimer Holdings Inc. Oppenheimer is a registered investment advisor and broker dealer. Securities areoffered through Oppenheimer.

Step 4:Ongoing ReviewOngoing two way communication is one ofthe keys to successful relationships. Regular contact and communication Assessment of portfolio versus goals Consolidated performance reporting

RebalancingI regularly monitoryour portfolio and wherenecessary, suggest anyreallocations to keepyou in balance and ontrack to work towards yourgoals and objectives.To enhance long term returns withless volatility, I adhere to adisciplined investment approach. Irecommend clients takeprofits/losses when necessary andreinvest proceeds whereappropriate.Rebalancing your portfolio can make a difference inlong term performance.

About Jay LeonardFor over twenty-five years, Jay has emphasized meeting the unique financialneeds of the affluent investor. Demonstrating a critical equilibrium, he and histeam provide sound, unbiased advice with a high level of personal attention andaccessibility.Jay is dedicated to providing clients with the finest individually tailored approachto investing. His commitment and passion is evident in the work he doesassisting a select group of clients with investment, estate and wealth transferplanning strategies.Drawing on his broad experience and Oppenheimer’s wide array of wealthmanagement services, Jay recommends personalized, strategic solutions toaddress the complex needs of affluent individuals and families. Together withprofessionals in different areas of expertise, Jay offers clients a comprehensiverange of services including portfolio management; stock option analysis andretirement planning; life insurance analysis and funding; and a broadcomplement of wealth preservation and transfer services.Jay provides customized investment strategies that are designed to help meetclient expectations and long-term goals. His goal is to help clients balance riskso that they can enjoy consistent returns while limiting the kind of volatility thatcan sometimes make investing an anxious experience.Jay prides himself on being accessible to clients and works closely with clients’other family advisors, including attorneys and accountants, to focus on clients’total wealth management needs.

Financial StrengthOppenheimer Holdings Inc., our parent company,provides us with a strong foundation to build upon.Portions of the financial information referred to herein are summaries excerpted from the financialstatements of Oppenheimer Holdings Inc., a public company listed on the New York Stock Exchange,and reference should be made thereto. A complete copy of the audited financial statements ofOppenheimer Holdings Inc. may be obtained upon request.

About OppenheimerWealth Management Services• Over 1,400 Financial Advisors located in more than 90 offices in major financial centers and local communitiesacross the United States• Committed to providing unbiased and independent advice on a broad range of traditional and nontraditionalproducts and services to individuals, families, corporate executives, businesses and institutionsOppenheimer Asset Management Inc.*• Founded to help individual and institutional investors build customized investment plans based on strategic assetallocation; supported by over 100 experienced professionals• Providing clients with customized professional money management through the Consulting Group, OppenheimerInvestment Advisers and the Alternative Investments Group of Oppenheimer Asset Management Inc.Oppenheimer Trust Company*• Established to help address the important issues of control and continuity of service, extending the substantialrelationships that high net worth clients and families have built over the years with the firm• Provides client with access to fiduciary servicesCapital Markets• Our Investment Banking group assists emerging growth and middle market companies raise the capital theyrequire; our Public Finance Department works closely with cities, states and public authorities to help developefficient financing plans• Experienced equity research team with over 30 senior analysts delivering independent and recognized research• Sales and trading teams with efficient order execution capabilities and superior client serviceOppenheimer Asset Management Inc. (OAM) and the Oppenheimer Trust Company are wholly ownedsubsidiaries of Oppenheimer Holdings Inc., which also wholly owns Oppenheimer & Co. Inc. (Oppenheimer),a registered broker/dealer and investment advisor. Securities are offered through Oppenheimer.

The Leonard GroupOf Oppenheimer & Co. Inc.Oppenheimer & Co. Inc.100 NE 3 rd Street, Suite 500Fort Lauderdale, Florida 333011-800-327-8324Jay Leonard, Senior Director – InvestmentsPrivate Client DivisionTel: 954-356-8260Fax: 954-356-8399jay.leonard@opco.comSamantha Hilton, Registered Client Service AssociatePrivate Client DivisionTel: 954-356-8290Fax: 954-356-8399samantha.hilton@opco.comThis CD-Rom Business Card was written by Jay Leonard, SVP – Investments with Oppenheimer & Co. Inc.(“Oppenheimer”). His opinions do not necessarily reflect those of the Firm. The information herein is intended forinformational purposes only and should not be construed as an offer or solicitation to buy or sell securities nor does itrepresent legal or tax advice. All information provided and opinions expressed are subject to change without notice.Additional information is available upon request.Oppenheimer & Co. Inc., nor any of its employees or affiliates, does not provide legal or tax advice. However, yourOppenheimer Financial Advisor will work with clients, their attorneys and their tax professionals to help ensure all of theirneeds are met and properly executed.© 2011 Oppenheimer & Co. Inc. Transacts Business on All Principal Exchanges and Member SIPC, All rights reserved.