Are you ready for the opportunity?Become a Merrill Lynch Financial Advisor

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”).Banking products are provided by Bank of America, N.A., and affiliated banks, members FDIC and wholly owned subsidiaries of BAC.Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

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opportunityIndependence*

Entrepreneurial opportunity to build and manage a business

Impact

The opportunity to make a meaningful difference in the lives of clients

Income

A base salary plus an uncapped, unlimited annual income opportunity

With Merrill Lynch you will have:

If your current career

isn’t taking you

where you want to be,

Merrill Lynch offers

you the opportunity

to change lives,

starting with your own.

* Intended within a cultural context. Merrill Lynch Financial Advisors are employees of Merrill Lynch and must adhere to all Firm policies with regard to their business activities.

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achievementsOur goal is to transfer your previous successes into a career that will leverage your achievements in the Practice Management Development (PMD) program.

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A background of accomplishment

You will need drive, commitment and perseverance

to succeed. What you do not necessarily need is a

financial services background to become a Financial

Advisor. Only 15% of Advisors, industry-wide, started

as Advisors.1 And many of our most successful

Advisors have come from careers outside the financial

services industry, including:

∙ Sales professionals

∙ Attorneys

∙ Bankers

∙ Entrepreneurs

∙ Accountants

∙ Insurance agents

∙ Fundraisers

∙ Community leaders

∙ Educators

∙ Military

Motivated self-starters

Our highly entrepreneurial Financial Advisors enjoy

taking the time to listen to and converse with clients

about goals and objectives. They appreciate the

opportunity to access the global power of Merrill Lynch

and Bank of America to help clients achieve their goals.

How would you answer these questions:

∙ Do you have entrepreneurial spirit?

∙ Are you a leader in various areas of your life?

∙ Are you ready to take action when opportunity knocks?

∙ Are you creative and resourceful?

∙ Do you have clearly defined personal goals, not just

work-related goals?

∙ Are you self-motivated and outgoing enough to

network and acquire new clients?

∙ Are you decisive, even in complex situations?

∙ Do you have strong relationship-building skills?

∙ Are you committed to community involvement?

∙ Do you pride yourself on being resilient when facing

new challenges?

∙ Do you have integrity and high ethical standards?

∙ Do you demonstrate a willingness to take action?

∙ Are you collaborative and do you bring out the best

in others?

If you have many of these characteristics, you should

consider the opportunity for a dynamic new career

path offering you rewards based on your success.

Our ideal candidates have proven records of success in their careers and their lives—people

who possess the mind-set of a Merrill Lynch Financial Advisor.

We’re seeking high achievers

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The PMD program is designed to develop the critical

skills and knowledge necessary for acquiring clients,

enhancing relationships, providing tailored solutions

and building a successful wealth management practice.

A comprehensive, proven curriculum

∙ Participants benefit from a curriculum designed

by a team of industry-leading learning professionals.

It is implemented at a local level by successful

Directors, practicing Financial Advisor mentors and

PMD Coordinators under the guidance of Market

PMD Managers, all of whom are dedicated to the

success of participants.

∙ The curriculum consists of proprietary Merrill Lynch

content and includes customized courses and

solutions developed with industry leaders such

as Top Producer, Franklin Covey, the College of

Financial Planning and the American College

of Financial Planning.

∙ All PMD participants will take advantage of intensive

training with Merrill Lynch Fast Start and Consultative

Sales Skills Programs—available only at Merrill Lynch.

Coaching and mentoring

∙ Market PMD Managers provide consistent program

delivery for trainees. Wherever you are based, you

receive the same high level of training that would be

available in any other part of the country.

∙ PMD Coordinators and practicing Financial Advisor

mentors in local offices support and assist you in

launching your career through business and marketing

plan reviews, face-to-face and team meetings, and

assistance with client meetings.

∙ Our PMD Mentor program allows you to work with an

experienced Merrill Lynch Financial Advisor.2

This invaluable resource helps you benefit from the

guidance and leadership that can put you on the

path toward becoming part of the next generation

of successful Financial Advisors.

∙ Participants who find it challenging to build practices

are enrolled in a 90-day program that provides

highly personalized coaching to quickly break down

barriers to success.

Valuable resources necessary for success

∙ Customized Registration Exam Preparation includes

Series 7 and Series 66 exam preparation programs

that cater to your learning style.

∙ We provide turnkey marketing and business

development strategies for implementation that can

support accelerated development of your practice.

∙ Learn how to use BofA Merrill Lynch Global

Research’s industry-leading research and analysis

and Merrill Lynch’s comprehensive investment

platform to deliver innovative client solutions.

A competitive base salary and

meaningful recognition

∙ You will earn a competitive base salary as you

earn registrations/licenses and build your business.

∙ In addition to a competitive base salary,

Merrill Lynch’s pay for performance culture offers

bonus opportunities to reward success.

∙ The Merrill Lynch PMD program offers multiple

recognition opportunities to attend the renowned

PMD Excellence Event, advanced training and

leadership opportunities for those interested in

becoming Firm leaders.

Merrill Lynch has been training Financial Advisors since 1946. We believe that our Practice

Management Development (PMD) training program is the most comprehensive in the industry,

helping you at every step along the way to become a successful Merrill Lynch Financial Advisor.

You get top training and coaching

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If you’re a high achiever with the Merrill Lynch mind-set, the structured and disciplined

PMD training program is the first phase toward embarking on a wealth management career

as a Merrill Lynch Financial Advisor.

Merrill Lynch’s culture offers continual development opportunities to enhance your personal impact and develop

your wealth management practice. The PMD program includes:

∙ Investment, sales and business management training and development

∙ Coaching and mentoring from industry leaders

∙ A rewarding compensation structure that includes salary, bonuses and incentive payouts*

∙ A monthly performance hurdle, a rigorous curriculum and high expectations with a caring meritocracy

Five distinct stages

TrAining STAge†

FIRST FOuR MOnTHS ∙ Orientation ∙ Series 7 and Series 66 registrations ∙ Investment process and Client Portfolio Solutions ∙ Activity-based goals for client acquisition

∙ Business development training ∙ Wealth Management Workstation essentials ∙ Salesforce CRM essentials ∙ Skill Assessment 1

DeVelopMenT STAgenExT THREE MOnTHS

∙ Merrill Lynch production number assigned ∙ Client acquisition skills training ∙ Marketing strategy and resources ∙ Consultative sales skills training

∙ Activity-based sales training ∙ Wealth Management Process and Tools training ∙ Insurance license ∙ Skill Assessment 2

STAge 1*MOnTHS 1 TO 12

∙ Pipeline management ∙ Client Portfolio Solutions positioning ∙ Wealth Management Snapshot Tools ∙ Client Service Model training ∙ Client Review Center

∙ CFP® financial planning course ∙ CFP® investments course ∙ Optimal Practice Model introduction ∙ Skill Assessment 3

STAge 2MOnTHS 13 TO 24

∙ Training on the functional roles of the Optimal Practice Model

∙ Advanced Wealth Management Workstation training ∙ Advanced Consultative Sales Skills training

∙ Advanced Client Service training ∙ Alternative investments ∙ Skill Assessment 4

STAge 3MOnTHS 25 TO 36

∙ Advanced training on the functional roles of the Optimal Practice Model

∙ Personal and professional development for peak performance

∙ Business plan review ∙ Program graduation

* Full salary through month 12 of Stage 1, reduced quarterly thereafter. Starting salary correlates to performance hurdle path. Additional awards are based on meeting performance hurdle and actual production numbers.

† Length may vary depending on participant’s level of registration and prior financial experience.

The PMD program may be for you

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As a Merrill Lynch Financial Advisor, you will have access to the deep resources and full

capabilities of both Merrill Lynch and Bank of America.

Your Merrill Lynch support team includes a group of specialists with expertise in banking, credit, retirement,

insurance and investments. Additionally, you will have access to the full capabilities of Bank of America and its

industry-leading banking services. Because of this combined support, we can offer you a range of strategies that

is unavailable from the competition.

Build your practice with a wide range of resources

Support from Merrill Lynch Financial Specialists

Wealth Management ∙ Retirement Solutions and Annuity ∙ Insurance ∙ Trust ∙ Portfolio Strategies ∙ Market-Linked Investments ∙ Alternative Investments3

Support from Bank of America Financial Specialists

Wealth Management Banking ∙ Commercial Bank ∙ Consumer and Small Business Bank ∙ Credit Card Division ∙ Home Loans ∙ Insurance

Merrill Lynch Financial Advisor

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Use innovative marketing materials to support your businessMerrill Lynch offers targeted, preapproved, easy-to-use tools to help you build your business and

enhance all of your client relationships.

These marketing materials include fact sheets that provide a brief overview of you

and your background; a Web page that showcases your professional information;

a monthly e-newsletter with timely financial articles; a presentation library to help

you prepare for client and prospect meetings; and a variety of other resources.

With MyMerrill.com®, clients know you are just one click away from their computer

or mobile digital device. They can also stay on top of their finances anytime,

anywhere, by accessing a full range of investment products, analyses and market

insights from their iPad®, iPhone®, AndroidTM and BlackBerry® devices.

Custom materials

The Custom Marketing Solutions (CMS) program creates marketing

materials designed to help you tell your story and stand out among

competitors through personalized messages customized to fit you

and your practice.

You can choose from a menu of items including brochures, Web sites

and other marketing materials. Various levels of customization are

available for purchase.

Professional Experience

Jane Sample adheres to a disciplined process that offers a consistent yet customized wealth management experience. Before any financial decisions are made, she considers your whole life, taking the time to fully understand who you are and what matters most to you as an individual and as a business professional. With this intimate knowledge about what you value most, Jane is able to help you establish objectives and develop an appropriate strategy while recommending strategies that draw upon the breadth and depth of Merrill Lynch to connect all the pieces of your financial life. Jane can conduct regular reviews with you to help you monitor your progress toward reaching your goals and keep your strategies consistent with any changes that may take place in your life and/or business.

Jane has been a Financial Advisor for 22 years, joining Merrill Lynch in 2002. She is a graduate of The College of New Jersey and serves on the board of the New Jersey chapter of the American Cancer Society. Jane enjoys spending time with her husband and three children.

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Jane Sample, CFP®, ChFC®Vice President Financial Advisor 1700 Merrill Lynch DrivePennington, NJ 000000(000) 000-0000 (000) 000-0000jane_sample@ml.comwww.fa.ml.com/jane_sample

Jane Sample

Web page (FA.com)

Pitch book presentation

Fact sheet

E-newsletter (Perspectives)

MyMerrill.com2

Good [morning/afternoon/evening].

Thank you for coming. Some of you know me—and I’ve had the pleasure of being your Financial Advisor for a number of years. But for those of you who don’t, let me introduce myself. I’m [Name] with the [Name of team], and I’ve been in the financial services industry for XX years, XX of them with Merrill Lynch.

I’d like to begin by asking:

How do you envision your legacy?

Do you wish to pass on your wealth to heirs?

Are you interested in preserving a legacy of giving and community involvement?

These are some of the questions that have brought many of you here today.

I’m certain that by the time we’re through, you will understand more about the types of things you should keep in mind concerning establishing a Florida domicile, and how I, as a Merrill Lynch Financial Advisor, can help you address your wealth management needs.

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∙ Ranked #1 in 2011 Global Research Team Survey

∙ Ranked #1 in 2012 All-Asia Research Team Survey; Top Asia Brokerage

∙ Ranked #2 in 2012 All-Japan Research Team Survey

∙ Ranked #2 in 2012 All-China Research Team Survey

∙ Ranked #2 in 2012 All-Europe Research Team Survey

∙ Ranked #2 in 2012 All-Emerging Markets Equity & Fixed Income Research Team Survey

∙ Ranked #2 in 2011 All-Latin America Research Team Survey

∙ Ranked #2 in 2011 All-America Equity Research Team Survey

∙ Ranked #1 Global Broker (June 2012)

∙ Ranked #1 in U.S. and Europe (June 2012)

∙ Ranked #2 in Asia (June 2012)

Thomson Reuters Extel (June 2012)

∙ Ranked #1 Pan-European firm for Equity Sectors Research (second consecutive year)

∙ Ranked #1 Pan-European firm for Derivatives Research (second consecutive year)

∙ Ranked #2 Pan-European firm for Equity and Equity-Linked Research (second consecutive year)

∙ 7 Equity Analysts and 5 Equity teams ranked in overall top 25 leaderboard

∙ Ranked #1 in the 2012 Asia Best Stock Picking analyst survey

The knowledge and experience you gain as a

Merrill Lynch Financial Advisor are enhanced by the

thought leadership and innovative strategic thinking

of some of the brightest minds in the industry.

The BofA Merrill Lynch Global Research platform

offers you access to high-quality investment ideas.

Approximately 775 analysts4 in more than 20 countries

focus their efforts on these primary disciplines:

∙ Equities

∙ Credit

∙ Rates and currencies

∙ GEM fixed income

∙ Macro (economics, strategy and commodities)

This extensive Global Research covers:

∙ More than 3,350 stocks

∙ Currencies across more than 60 countries

∙ More than 940 corporate bond issuers

∙ More than 20 commodities

∙ More than 5,000 fixed-income bond indexes,

500 investable commodity indexes and over

100 theme- and sector-based equity and equity

derivative indexes

All data as of June 29, 2012.

Access best-of-class research

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opportunity

∙ #1 Global Wealth Manager5

∙ #1 in u.S. Affluent/High net Worth Lending

and Deposits6

∙ #1 in Personal Trust Assets7

∙ #1 Specialty Asset Manager8

∙ Led the annual list of Top 1,000 Advisors9

∙ Most Financial Advisors with the no. 1 ranking

in their state9

Join an industry leader

To learn more about Merrill Lynch’s PMD program, visit http://facareers.ml.com.

1 The Cerulli Edge, Advisor Edition, 3Q 2010.2 PMD participants are eligible to work with a mentor once they earn their production number and enter the Development stage. PMD participants who were LOS month 8 or below in January 2012 are also eligible to work

with a mentor.3 Alternative investments may not be suitable for certain investors and are available only to qualified purchasers. 4 Headcount includes publishing and non-publishing analysts. 5 Scorpio Benchmarking Report, 2012.6 Bank of America Investor Day Conference, March 8, 2011.7 FDIC, March 31, 2011. Includes managed and unmanaged Personal Trust Assets. Ranking excludes competitors not required to file with FDIC.8 $12B in Oil & Gas, Farm & Ranch and Timber assets under management, November, 2011.9 Barron’s, 2012.The Bull Symbol, Merrill Lynch Wealth Management and The Power of the Right Advisor are trademarks or registered trademarks of Bank of America Corporation.Android is a trademark of Google Inc.BlackBerry, RIM, Research In Motion and related trademarks, names and logos are the property of Research In Motion Limited and are registered and/or used in the U.S. and countries around the world. Used under license from Research In Motion Limited.iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. CFP is a certification mark owned by the Certified Financial Planner Board of Standards, Inc., and is awarded to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

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