Owning Your Future

Presented by: First and Last Name or Group Name

Strategies and Solutions to Help Your Business

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Any information presented about tax considerations affecting your financial transactions or arrangements is not intended as tax advice and cannot be relied on to avoid any tax penalties. Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. You should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with your personal professional advisors.

Asset allocation and diversification do not ensure a profit or protect against a loss in declining markets.

When considering a securities-based loan, clients should take into account their individual requirements, portfolio composition and risk tolerance, potential capital gains taxes, portfolio performance expectations, and investment time horizon. A decrease in the market value of pledged securities may require a client to deposit additional funds to meet a collateral maintenance call. Client assets may be sold to meet a collateral call, the firm can sell those assets without notifying the client, clients are not entitled to choose which securities in the account will be sold, and they are not entitled to an extension of time to meet a collateral call. A complete description of the loan terms can be found within your loan agreement.

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 (“BAC”).

Banking products are provided by Bank of America, N.A., and affiliated banks, members FDIC and wholly owned subsidiaries of BAC.

Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A., member FDIC. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency. Bank of America, N.A., and Merrill Lynch Life Agency Inc. are wholly owned subsidiaries of BAC.

Investment, insurance and annuity products:

MLPF&S and Bank of America, N.A. make available investment products sponsored, managed, distributed or provided by companies that are affiliates of BAC or in which BAC has a substantial economic interest, including BofATM Global Capital Management.

© 2012 Bank of America Corporation. All rights reserved.ARU4G2U6 Code 422302PM-0512

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Are Not DepositsAre Not Insured by Any Federal

Government AgencyAre Not a Condition to Any Banking

Service or Activity

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Why We’re Here Today

Business owners have unique financial needs.

Personal and business finances are interrelated.

Merrill Lynch can help by providing:

— A deep understanding of business owners

— Integrated advice and guidance

— A comprehensive suite of business solutions

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Early Growth Expansion TransitionMaturity

Time

Sal

esThe Typical Life Stages of a Business

As a business grows, its needs change over time.

Develop new

markets

Grow customer

base

Increase sales, gain

market share

Companylaunch

Wind down

Streamline cash management

Manage profits

Expand products and

services

Succession planning

Succession

Acquisition, merger or expansion cycle

Source: www.sec.gov/info/edgar.shtml

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Common Business Needs

1. Optimize cash flow

2. Maintain working capital

3. Finance continued growth

4. Attract and retain talented employees

5. Ensure business continuity

6. Plan for a succession

How many of these are important to you?

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Merrill Lynch Solutions for Business

Retirement planning for you and your employees

Investing for short- and long-term goals

Strategies to safeguard your business, minimize estate taxes and plan for a smooth succession

Managing your cash and financing needs

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Your Business Needs to Optimize Cash Flow and Access Financing

Make your business cash work harder

Improve liquidity and access to accounts receivable

Unlock the borrowing power of your business

Fund expansion plans and capital expenditures

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Manage Your Business Cash More Effectively

Cash management services

Short- and long-term CDs

Treasury management services

Automatic cash sweeps for overnight investments

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Access Financing for Your Business

Lines of credit

Term loans

Business credit cards

Securities-based lending

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Your Business Needs a Disciplined Investment Strategy

Maintain adequate working capital

Invest for continued growth

Potentially strengthen the financial situation of your business

Minimize the need to draw on personal resources

Integrate your personal and business investments

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Invest for Short- and Long-Term Goals

Disciplined approach

Open-architecture platforms

Brokerage and managed investment solutions

Tax-advantaged vehicles1

Advice and guidance

1Neither 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 personal professional advisors.

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Your Business Needs an Effective Retirement Plan

Attract and retain talented employees

Maximize tax-advantaged savings for participants

Receive tax benefits for your business

Consolidate personal retirement assets

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Retirement Plans for You and Your Employees

Simplified Employee Pension (SEP) SIMPLE IRA

Individual 401(k)

Defined Benefit

Profit Sharing

Traditional 401(k)

Benefits Contribution flexibility

Inexpensive

Easy to maintain

No IRS reporting required

Salary deferral

Fewer administrative requirements than 401(k) plans

Inexpensive

Easy to maintain

No IRS reporting required

Contribution flexibility

Salary deferral

Potentially higher contributions than SEP, SIMPLE IRA or profit-sharing plans

Option to offer loans

High contribution limits

Lifetime monthly benefit at retirement

Contribution flexibility

High contribution limits

Tax-advantaged way to transfer assets from the business

Salary deferral

Option to offer loans

Can structure to provide greater benefits to highly compensated or preferred employees

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Managed Solutions May Help You Fulfill Your Responsibilities

Professional asset management

Disciplined approach to asset allocation

Due diligence by Merrill Lynch

May help you meet fiduciary obligations associated with ERISA*

* The Employee Retirement Income Security Act of 1974. You should discuss the use of managed accounts with an attorney, tax advisor or third-party administrator to ensure compliance with ERISA.

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Your Business Needs to Protect Against the Unexpected and Plan for the Future

Protect owners and key employees

Ensure business continuity

Transfer personal wealth in business tax-efficiently

Design an orderly transition to new leadership

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Strategies to Safeguard Your Business

Key-person insurance

Buy-sell agreement funding for partners

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Ideas for Transferring Wealth

Trusts

Insurance

Family limited partnerships

Realty trusts

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Take the Uncertainty Out of Succession Planning

Merger and acquisition referrals

Specialty Asset Management

Private Sales Referral Network

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Working Strategically With Your Other Advisors

Understand your business and its life stage

Deliver a broad array of business solutions

Integrate management of your business and personal wealth

Connect you with specialistsat Merrill Lynch

We will work with your: other professional: advisors, including:1

You

Attorneys

Accountants

Business insurance professionals

Your Business

Financial Advisor

1 Neither Merrill Lynch nor its Financial Advisors provide individual tax or legal advice. Clients should review any planned financial transactions that may have tax implications with their tax or legal advisors.

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Next Steps

[I/we] can be a powerful resource for you and your business.

Schedule a meeting to discuss the extensive suite of Merrill Lynch Solutions for Business.

Together, we can position your business for continued success.

You don’t have to go it alone.