Trinen Wealth. There s Wealth in Our Approach East Harmony Road Suite 400 Fort Collins, CO 80528

There’s Wealth in Our Approach.™

3003 East Harmony Road Suite 400 Fort Collins, CO 80528 Phone: (970) 282-6565 Toll Free: (888) 300-0143 Fax: (970) 206-1464 www.rbcwmfa.com/michael.trinen

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The Royal Bank of Canada and its subsidiaries, is one of North America’s leading diversified financial services firms. Collectively we provide personal and commercial banking, wealth management services, insurance, corporate and investment banking, and transaction processing services worldwide. RBC’s core values and culture of integrity have earned it a worldwide reputation for fiscal reliability and financial strength.

n Named Best Bank in North America and Canada in 2013 by Global Finance magazine.

n Recognized for offering Best Private Banking Services in Canada, the Caribbean, Cayman Islands and Jersey in the 2014 Euromoney Private Banking and Wealth Management Survey.

n Recognized among the world’s financial, social and environmental corporate leaders for the 14th consecutive year (2013-2014 Dow Jones Sustainability World Index). RBC’s vision, “Always earning the right to be our clients’ first choice,” is supported by its strong stewardship values. Those values include a deep sense of duty to clients, employees, the environment and the communities in which it operates. For more information, visit www.rbc.com.

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n _{RBC is Canada’s largest bank as measured by assets and} market capitalization, and is among the largest banks in the world, based on market capitalization.

n RBC maintains strong capital ratios (“All-in” Common Equity Tier 1 ratio of 9.7%) and credit ratings (Moody’s Aa3, Standard & Poor’s AA- and Fitch AA).

n RBC has paid continuous dividends to its shareholders since 1870.

n RBC supports a broad range of community initiatives through donations, sponsorships and employee volunteer activities. In 2013, RBC contributed more than C$104 million to causes worldwide.

Royal Bank of Canada

Capital Markets Wealth Management Personal & Commercial

Banking

Investor & Treasury

Services Insurance n Global Markets n Corporate and Investment Banking n Canadian Wealth Management

n U.S. and International

Wealth Management

n Global Asset

Management

n Personal and Business

Financial Services

n Cards and Payment

Solutions n Caribbean Banking n U.S. Banking n RBC Investor Services n Global Financial Institutions n Treasury Services n Canadian Insurance n International and Other Insurance

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We work with high net worth individuals and their families to help them achieve their financial goals. Together, we create and implement comprehensive wealth management plans to help accumulate, protect and transfer our clients’ wealth in addition to helping convert this wealth into an income during retirement.

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Once the wealth management plan is in place, we have a good understanding of the benchmark return required to help make your dreams come true. We take this knowledge and develop a prudent asset allocation model to act as our strategic compass to success. As time goes on, and economic cycles change, we adjust the allocation to take advantage of positive news and protect when conditions are less favorable.

Combining prudent asset allocation with the right professional money manager in each asset class is an important decision. RBC Wealth Management provides meaningful insight and important information on a broad list of investment managers as well as strategic asset allocation models.

Our A

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My Financial Goals Accumulating Wealth Growing Assets Transferring Wealth Creating a Legacy Converting Wealth to Income Creating Retirement Income

Protecting Wealth Managing Risk

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Senior Vice President - Branch Director, Private Client Group michael.trinen@rbc.com

Michael Trinen has been in the financial services industry since 1982. He earned a Bachelor of Science degree in finance from Colorado State University and joined RBC Wealth Management as the branch director in 1997, and in 2014 he was awarded the Top Branch Award, placing Fort Collins on the top 10% of branches in the country. He earned the Director’s Council Award for 2013 and earned the President’s Council award the previous 9 years and in 2014. In 2000, received the Outstanding Achievement Award and the Leadership Council Award. He has also represented Colorado as the Economic Education Chairman for the Securities Industry Association. In 2003, he earned the designation of Certified Financial Planner™ (CFP®_).

In 2005, he earned the designation of Accredited Wealth Manager from Michigan State. He holds the Series 7, 8, 63 and 66 licenses and several state insurance licenses.

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Registered Client Associate christina.abbey@rbc.com

Christina has been with RBC Wealth Management since 2013. She holds the Series 7, 66 licenses, as well as several state licenses. Prior to joining RBC, Christina was an office manager for Vector Marketing. In her current role, she places trades for clients, provides client service, and ensures paperwork is accurate and complete. Christina attended Front Range Community College and is involved with Habitat for Humanity and Restore in Fort Collins.

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The Wealth Management Professionals serve as a resource to RBC Wealth Management® financial advisors. They develop a stronger understanding of your personal financial objectives, gather valuable information and support complex financial and wealth strategies issues for the clients of RBC Wealth Management.

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Vice President – Wealth Management Consultant

Judi has been with RBC Wealth Management since 1996. Before assuming her role as Wealth Management Consultant, Judi was a product consultant in RBC Wealth Management’s Investment Advisor Group in Minneapolis, specializing in managed assets. Judi attended the University of Texas at Austin, and has received the Accredited Wealth Manager (AWM) designation. As a Wealth Management Consultant, Judi helps RBC Wealth Management financial advisors address the investment and retirement planning needs of their clients. She assists financial advisors in analyzing clients’ risk tolerance and investment goals. She works closely with clients to select appropriate money managers to help meet their financial goals and then reviews the performance of the selected money managers. Judi also helps clients understand investment fiduciary responsibility and in developing investment policy statements.

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Wealth Strategies Consultant/Estate and High Net Worth

Vickie has been with RBC Wealth Management since 2004. Previously, she spent 18 years in the financial services industry, holding various positions in wealth planning. She also has extensive background working family businesses. Vickie received her B.S. degree from Southwest Missouri State University. As part of her responsibilities, Vickie works with RBC Wealth Management Financial Advisors to develop appropriate wealth management solutions for clients. She provides a range of financial, investment, personal trust, estate, tax minimization and stock option strategies. In addition, Vickie helps design and implement plans to help maximize the retention and succession of family wealth.

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Trust Consultant

Thomas has worked directly with clients in a variety of consultative roles since entering the financial services industry in 2003. He earned a B.A. from the University of Delaware and a M.B.A. with a concentration in finance from Goldey-Beacom College in Wilmington, Delaware. He specializes in collaborating with RBC Wealth Management® Financial Advisors to deliver trust solutions to high-net worth individuals and families as part of a holistic wealth management planning solution. He is responsible for offering trust and custodial services through Financial Advisors who then remain the main point of contact for clients. His overall goal is to enhance and support client-advisor relationships as well as to identify trust solutions that both optimize opportunities and mitigate risks. As a former Financial Advisor, Thomas has a strong

background in retail investing — with a special emphasis on understanding and complying with fiduciary responsibilities related to investments held in trusts. Because of his experience as an investment professional and working with private bankers, he adds tremendous value by asking open ended questions to help discover the important issues and concerns that may affect each client’s financial well-being and trust directives. In addition to providing expert recommendations on a broad range of specific trust structures, Thomas has a deep knowledge of the Delaware trust system as a wealth building and preservation tool.

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Vice President – Wealth Planning and Insurance Consultant

Paul has been with RBC Wealth Management since 1997. Previously, he spent 10 years in the financial services industry. Paul received his B.A. degree from St. Mary’s University. He holds the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations. As part of his responsibilities, Paul works with RBC Wealth Management Financial Advisors to develop retirement plans for businesses and succession plans for families. Paul specializes in employing insurance-based strategies and solutions to help clients achieve their wealth transfer goals. Paul also works closely with clients’ financial and legal advisers to establish appropriate wealth planning and insurance strategies.

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Vice President – Retirement Plan Consultant

Scott has been with RBC Wealth Management since 1996 and has 11 years of previous experience in the financial services industry. Scott received his B.A. degree from the University of Minnesota, and holds the Accredited Investment Fiduciary designation. As part of his responsibilities, Scott consults with corporations and non-profit groups of all sizes to help develop strategies and solutions for their ERISA and non-ERISA retirement plan needs. He has in-depth experience in analyzing organizations’ retirement plan needs and recommending appropriate vehicles, including 401(k), profit-sharing and defined benefit plans, and SIMPLE and SEP IRAs. Scott incorporates his extensive research regarding retirement plan providers to better assist RBC Wealth Management Financial Advisors in servicing clients’ retirement plans. Scott is involved in the creation and maintenance of investment policy statements, investment monitoring, plan design and portfolio consulting.

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Senior Credit Officer

Based in Houston, Matt partners with financial advisors to provide customized lending solutions for high net worth clients, trusts, and personal holding companies. As part of his responsibilities, Matt provides recommendations on how the strategic use of credit can help clients meet a variety of wealth accumulation and liquidity management goals, including real estate purchases, bridge financing, and refinancing existing high-cost debt. Matt has worked in the financial services industry for 18 years. Matt received a Bachelor of Science from the University of Delaware and has a diverse background in lending services and financial instruments.

Our process includes:

n Understanding Your Financial Objectives — Many don’t know what their specific objectives include and it’s our job to help you develop and understand your personal and family goals. For many the primary concern is “Will I outlive my money” but there is so much more.

n Gathering Data About Your Current Situation — This information includes but isn’t limited to: mortgages, current savings (401-k, IRA, taxable accounts),

responsibilities for educating children, retirement age, expenses and more. We’ll look at life insurance and the possible need for Long Term Care.

n Developing Smart, Time-Tested Strategies — Next, we analyze this information and match your objectives and financial situation with sound strategies. This includes estate planning, tax planning, asset protection, investment planning and more.

n Implementing Thoughtful and Creative Solutions — Drawing from a wide selection of world-class products, services and other professionals within RBC Wealth Management we develop customized solutions tailored to you.

n Providing Timely, Ongoing Service — We regularly communicate to review your situation, changes in life and adjustments to investment portfolios to ensure your financial objectives are being met.

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Our approach integrates your objectives into a personalized plan that can be updated as life’s

changes occur. We combine sophisticated investment planning tools with professional resources to

help match your objectives with customized solutions.

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I manage accounts through RBC Wealth Management’s®

Portfolio Focus program, which is a personalized portfolio management program for which only a select group of RBC Wealth Management’s Financial Advisors qualify.

Through the Portfolio Focus program, I can make investment decisions on your behalf, which allows you to simplify your life, by freeing up your time.

Consider some of these services that I can provide to you through the Portfolio Focus program:

Expertise — Only a select group of RBC Wealth

Management’s Financial Advisors are eligible to serve as portfolio managers in the Portfolio Focus program. This means your advisor has been carefully screened and has the knowledge and experience necessary to carefully evaluate and implement the best investment ideas available.

Personalized Portfolio Management — As your portfolio manager, I will take the time to learn all about you — your family situation, your financial goals, your investment preferences, your time horizon, and your tolerance for risk. Based on this deep understanding of your needs, I can create and maintain a portfolio that’s customized to your needs.

n Customized Service — Acting with integrity and

providing you superior client service, I will allocate your portfolio to meet your specific needs and position it to take advantage of opportunities the market presents. n Risk Management — I will first get to know you and your

specific needs, goals and tolerance for risk. Based upon this information, I will develop a portfolio for you and monitors that portfolio on an ongoing basis. Both RBC Wealth Management and I place the highest priority on ensuring your investments are suitable for your stated investment objectives.

n Timely Investment Decisions — I will continually evaluate your portfolio to ensure that it’s aligned with your goals. If changes need to be made, or if new opportunities present themselves, I will be ready to act promptly on your behalf.

n Accessibility — A third-party portfolio manager may be difficult to contact. Because of your relationship with me, I will be readily available to address any questions or concerns you may have.

n Comprehensive Reporting — With Portfolio Focus, you will always know exactly where you stand. You’ll receive statements every quarter as long as your account contains a cash or security balance. Statements are mailed monthly when you have transactions during that month, with the exception of money market dividends. And through your complimentary subscription to RBC Wealth Management Connect®_{, our online account access}

system, you can look at the most recent information about your account that is available.

n Asset-based Fee Structure — No commissions are involved in Portfolio Focus transactions. Instead, you pay one quarterly fee, based on your total assets under management. As a result, my compensation is tied to the value of your account — not to the number of trades I make for you. With this approach, you know you are getting objective, solution-oriented investment advice.

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RBC Wealth Management has been helping clients reach their financial goals since 1909. Since then, we have built a reputation for responsibly managing the assets clients entrust to our care.

Today, we are a world leader in wealth management and part of Royal Bank of Canada, which is known internationally for its fiscal strength and corporate responsibility. This means we have global resources and expertise to deliver exceptional service and comprehensive wealth management solutions. n Analysts — RBC Wealth Management equity and

fixed-income analysts are widely recognized for their performance and are frequently cited in the national financial media.

n Research — In addition to receiving our own in-house research, I have access to research generated by some of the leading names on Wall Street.

n Product Specialists — I can draw on support from RBC Wealth Management professionals in estate planning, retirement planning, insurance, college financing and small-business needs.

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n Mutual funds n Stocks and bonds n Managed accounts n Alternative investments n _Options

n Exchange traded funds

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n Individual retirement planning n Retirement income planning n Employer-based retirement plans

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n Cash management accounts n Visa® _{Gold Debit Card} n RBC online bill pay n Check writing

n RBC Bank Visa® _{Signature Credit Cards}1 n Cash sweep options

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n Securities-based lending

n Residential and commercial real estate

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n 529 plans

n Custodial accounts (UGMA and UTMA) n Coverdell education savings accounts

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n _{Life insurance} n Disability insurance n Long-term care insurance

n Fixed, fixed index and variable annuities

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n Professional trustee services n Revocable and irrevocable trusts n Generation-skipping transfer trusts n Dynasty trusts

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n Retirement accounts for business owners

n Institutional consulting services and fiduciary services n Deferred compensation and insurance solutions n Full employee stock option and purchase plans n Restricted securities, Rule 144

and Sectio16, 10b5-1 plan creation and administration, stock buy backs (10b18)

n Residential and commercial real estate n Business lending (SBA loans)

n Business succession planning

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1. Offered through our affiliate, RBC Bank (Georgia), N.A.

Mortgages are financed by Capital Advisors, or by PHH Mortgage Services. RBC Wealth Management is not acting as a mortgage broker or lender. Lending services are offered to RBC Wealth Management clients by different entities. RBC Wealth Management and/or your financial advisor may receive compensation in connection with offering or referring these services.

RBC Wealth Management is a registered trademark of Royal Bank of Canada, which operates under the brand name RBC.

Trust services are provided by third parties. Neither RBC Wealth Management nor its financial advisors are able to serve as trustee. RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in connection with your independent tax or legal advisor.

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3003 East Harmony Road Suite 400

Fort Collins, CO 80528 Map & Directions Phone: (970) 282-6565 Toll Free: (888) 300-0143 Fax: (970) 206-1464