Global Corporate and Institutional Advisory Services (GCIAS)

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1 Global Corporate and Institutional Advisory Services (GCIAS)

2 GCIAS 3455 Peachtree Road NE, Suite 1000 Atlanta, GA Toll-free: Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (BofA Corp.). Banking products are provided by Bank of America, N.A. and affiliated banks, members FDIC and wholly owned subsidiaries of Bank of America Corporation. Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A., member FDIC and a wholly owned subsidiary of BofA Corp. Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity MLPF&S is a registered broker-dealer, a registered investment adviser and member SIPC. Merrill Lynch Life Agency Inc. is a licensed insurance agency and wholly owned subsidiary of BofA Corp. Merrill Lynch makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA Corp. or in which BofA Corp. has a substantial economic interest, including BofA Global Capital Management.

3 . Forward-thinking executives and managers recognize that benefit programs can have a positive effect on employee relations and employee motivation, and can be a competitive advantage for their company. GCIAS is committed to assisting institutional clients in establishing support and education for benefits plans. We work with individual employees, from the CEO right down the line to new hires, guiding them to help maximize the value of their benefit plans and provide wealth management strategies designed to enhance their financial wellness. James Wallace Managing Director Wealth Management Wealth Management Advisor In 2012, 2013 and 2014, Barron s magazine ranked James Wallace as one of the Top 100 Financial Advisors in America.

4 GCIAS Executive Summary More than 25 Years of Serving Institutions and Individuals Nobody has time for complexity these days, especially when it comes to financial matters. That s why for more than 25 years, Merrill Lynch s GCIAS has offered plan sponsors the advantage of integrating recordkeeping support for retirement savings plans, equity and stock awards, and personalized wealth management services with employee education and financial wellness strategies. Ours is a story of commitment, experience, innovative solutions and connecting the dots for companies and their employees. A Unique Service Model The GCIAS service model begins with the institutional relationship and builds to providing wealth management strategies and execution to help serve the needs of individuals and families. Whether you are a corporate leader, plan administrator, an employee or a retiree focused on achieving your personal financial goals, the more than 100 professionals of GCIAS located throughout the United States deliver responsive, flexible and hightouch service. GCIAS At a Glance Access to Institutional Services Employee Education Individual Wealth Strategies Individual Wealth Management Equity Compensation Defined Contribution Defined Contribution Investment Consulting Defined Benefit Deferred Nonqualified Compensation Health Benefit Solutions Maximizing the value of benefit plans Retirement readiness Market and investment education Preparation for life event needs Holistic approaches Situational strategies (home financing through Bank of America, N.A., cost of long-term care and education) Estate planning services Philanthropic planning services Generational wealth transfer Advice and guidance* Debt management Tax-efficient investing Alternative investments Portfolio and risk management *Investment advice provided to participants relative to plan assets is solely through the Advice Access service. 4

5 . GCIAS is committed to adding real value to benefit plans by helping employees make more appropriate financial decisions through education. We help employees create strategies that take into consideration all available resources to meet life event needs, pursue their retirement goals, and save and invest for their futures. Deborah Howard Managing Director Wealth Management Wealth Management Advisor In 2012, 2013 and 2014, Barron s magazine ranked Deborah Howard as one of the Top 100 Financial Advisors in America. 5

6 Institutional Services Streamlined and Cost-Effective Solutions GCIAS helps companies to meet the financial benefits and total rewards challenges they face in all industries by delivering access to the full breadth and depth of Merrill Lynch and Bank of America. Specialized technology and services to help you administer defined contribution, defined benefit, deferred compensation, equity and health care savings programs. Single point of contact at the executive level offers responsiveness and the ability to help maximize the value of company-sponsored programs. Enhanced buying power that comes from a broader and deeper relationship with Bank of America and Merrill Lynch. Natural alignment with total rewards approach through a broad view of benefit plans and synchronized decision making. Open investment architecture offering investment options to help meet investor s needs. Engaged thought leadership on industry trends, innovative strategies and legislative issues. Bridging benefits programs and individual financial wellness strategies with support and execution alternatives. 6

7 . At GCIAS, we believe that an effective benefits strategy delivers more than just retirement-related products. That s why we offer a full range of employee benefit plan services delivered on an integrated platform and supplemented by multichannel financial wellness support. We can also offer your employees access to Bank of America resources for their full financial picture such as home financing, savings and credit services. 7

8 Employee Education A Life Stage Approach to Employee Education Clients enjoy employee education and communication campaigns designed to drive employee behavior in strategic ways and integrate messages across plans. This is accomplished through a life-stage approach, which aligns with employees needs based on where they are in life. Meeting Employees Where They Are In Life Starting early Asset accumulation Balancing Goals and Needs Catching up Nearing retirement Set personal financial goals Create a budget and start saving Take advantage of company benefits Establish an emergency fund Increase retirement plan contributions Think twice before using credit Plan and save for large expenses Improve your investing IQ Simplify finances and consolidate accounts Maintain an emergency fund Teach children about saving, budgeting and avoiding debt Understand and maximize equity awards Get back on track with catch-up contributions Stick to your budget and focus on paying down debt Consider retirement income needs Avoid taking a 401(k) loan Take advantage of knowledgeable resources Identify sources of retirement income Determine Social Security benefits you are entitled to Take care of your physical health and plan for future health care needs Take advantage of knowledgeable resources Multi-Media Delivery online and on demand face to face telephone print 8

9 . Forty-three percent of employees indicated that the availability of financial education and advice services at work increases their loyalty to their employer. Bank of America Merrill Lynch 2012 Workplace Benefits Report 9

10 Individual Wealth Strategies Personalized Strategies to Help You Pursue Financial Wellness Whether your office is in the C-suite or you devote your working hours to the factory floor, it is critical to prepare for your financial future. That s why, for needs that go beyond benefits and awards education, GCIAS offers personalized wealth management support delivered by a dedicated team of Merrill Lynch financial advisors. Your personalized and actionable strategy takes into consideration all employer benefits and awards, as well as savings and investment activities outside of the workplace. It includes analysis of your total portfolio (assets and liabilities) in the context of your risk tolerance, time horizon, liquidity needs, asset allocation preferences, and short-term and long-term goals. The Support Continuum The level and detail of your personalized strategy is largely determined by the dimensions of your financial life and the complexity of your needs. Situational Needs Moderately Complex Needs Complex Needs Education funding Home purchase and refinancing Long-term care costs Life insurance Debt management Retirement savings Equity compensation planning (modeling, block trading, 10b5-1 trading plans, execution analysis) Tax-efficient investing Portfolio diversification Securities-based lending Trust and estate planning services Wealth transfer Charitable giving Employee Choice in Execution Strategy When it comes to your personalized wealth management strategy, you have three choices: Implement with GCIAS financial advisor, or Implement with advisor of your choice, or Take no action (hold the strategy for future execution) 10

11 . Enhance lifestyle Portfolio Strategy: Quantifying Risk Protect basic standard of living Personal Protect basic Risk market Risk Aspirational Risk Safety standard of living Enhance lifestyle Risk Time Your Assets Benchmark Maintain lifestyle Preserve Lifestyle, Liquidity and n lifestyle Bonds tyle Time Risk Alternative Investments onds ernative estments Protect basic Enhance lifestylestandard of living Preserve Lifestyle, Liquidity and Safety Your Assets Preserve Benchmark protect basic standard Lifestyle, of living Liquidity and Safety Loss of earning power Tax risk Longevity risk Mortality risk Stocks maintain lifestyle Bonds Alternative Investments Maintain lifestyle Portfolio risk Single country risk Interest rate risk Inflation risk Bonds Liquidity risk Stocks Currency risk Taxes Alternative Investments Risk Risk Protect basic Enhance standard lifestyleof living Time Preserve enhance lifestyle Lifestyle, Liquidity and Safety Time Stock concentration Alternative investments Hedge funds Private equity Real assets Your Assets Benchmark Your Assets Benchmark Your Portfolio Your portfolio is the power behind your wealth strategy. It should support your goals and be aligned with your tolerance for risk. We also consider your time horizon, cash flow and liquidity needs, and tax sensitivities in the process of helping you to develop a strategic asset allocation and build your portfolio framework. One of our first analytical steps is to look at your total net worth through a risk prism. This helps us quantify the risks in your financial life and gives us a valuable insight into how your wealth is allocated by degree of risk and liquidity. 11

12 Individual Wealth Management Working With Individual Clients GCIAS financial advisors work with individual clients to develop and implement wealth management strategies. With the ability to recommend from among a wide array of investment choices offered by hundreds of asset managers and other investment providers, your financial advisor can help you to assemble products and services to help meet your needs. Our Investment Approach. In most situations, The GCIAS approach to the objective is to optimize the expected returns offering investment advice for a given level of acceptable risk that is is based to a great extent associated with an individual s risk profile. In on the risk evaluation work order to help you build a diversified portfolio of we do with you. Your risk investments and develop a wealth management profile is a key determinant strategy designed to fit your needs, we work of how we allocate your to understand your tolerance for risk, your investments across experience as an investor, and your goals different asset classes, and objectives. each of which has different market risk characteristics.* The GCIAS approach is based on the principles of Post-Modern Portfolio Theory (PMPT). PMPT incorporates the widely accepted theorems of Modern Portfolio Theory with behavioral economics and a modernized way to analyze and define market risk. Our investment approach is supported by the critical strategic thinking of three groups in particular, the Research Investment Committee (RIC), the Investment Management & Guidance group, and BofA Merrill Lynch Global Research. Open Investment Architecture The Merrill Lynch products and services platform is remarkably broad and deep, and gives us tremendous flexibility to recommend strategies that may be appropriate for you. For instance, the platform includes more than 125 mutual fund families, offering more than 4,700 investment options. Focus on risk reduction (predictable returns) Mitigate downside risk Focus on consistency of returns *Investment advice provided to participants relative to plan assets is solely through advice access. 12

13 . A Consistent Investment Approach Supported By Deep Resources And Critical Strategic Thinking Investment Universe Investment Management & Guidance GCIAS Financial Advisor Client 13

14 Please call us for more information, or to discuss how GCIAS can assist you, your company or your company s employees. GCIAS 3455 Peachtree Road NE Suite 1000 Atlanta, GA Toll-free:

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16 Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation and diversification do not ensure a profit or protect against a loss in declining markets. Some, or all, alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors. BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-u.s. affiliates. MLPF&S is a wholly owned subsidiary of Bank of America Corporation. Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. Borrowing against securities may not be appropriate for everyone and should be carefully evaluated before being used. If securities decline in value, the account holder may be required to pay down the loan or deposit additional securities as collateral. If they cannot do so, all or a portion of their collateral may be liquidated and the proceeds used to pay down the loan balance. A forced liquidation could also have adverse tax consequences or trigger potential capital gains taxes. All guarantees and benefits of an insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claimspaying ability of the issuing insurance company. Neither Merrill Lynch nor its financial advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their tax and legal professionals. Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining a service or services to select. Barron s magazine April 19, 2014; April 13, 2013; April 16, 2012, America s Top 100 Financial Advisors list. Advisors considered for the America s Top 100 Financial Advisors list ranking have a minimum of seven years financial services experience and have been employed at their current firm for at least one year. Quantitative and qualitative measures used to determine the Advisor rankings include: client assets, return on assets, client satisfaction/retention, compliance records, and community involvement, among others. Barron s does not receive compensation from Advisors, participating firms and their affiliates, or the media in exchange for rankings. Barron s is a trademark of Dow Jones & Company, Inc. All rights reserved. L Bank of America Corporation. All rights reserved. MLWM _brochure AR6K /2014

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