PROFESSIONAL PROFILE

We are a nationally recognized team dedicated to working with high net worth individuals and families. Operating within Merrill Lynch Global Wealth Management, our group functions as a private boutique within one of the world's leading wealth management and advisory companies. Our primary focus is on risk management, and we derive our greatest satisfaction from assisting our clients in meeting their and their family's goals while minimizing risk exposure. Our goal is one of client-focused, disciplined wealth preservation utilizing a combination of traditional and non-traditional investments.

The Rij Group's commitment to client satisfaction and retention is paramount. We rely heavily on the commitment of our diligent support staff to creat a peerless client experience. Fran Whelan, Jonathan Mack and Rebecca Rij-Flynn have a combined 48 years of experience at Merrill Lynch. With their broad breadth of knowledge and financial experience, they work directly with clients to proactively address concerns and assist with their individual needs.

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Herman L. Rij, Senior Vice President - Investments, Wealth Management Advisor, CIMA® Designee

Herman holds the CIMA® and Wealth Management Advisor designations. He joined Merrill Lynch in 1970 with an MBA in Finance from Lehigh University and an undergraduate degree from Albright College. Herman's primary focus is on fixed income securities and private money manager portfolio design. Herman was recognized by Registered Rep. Magazine as one their "Outstanding Brokers of the Year" (2002) and again in 2009 as one of the "Top 100 Advisors" in the country. He was also listed in Barron's "Top 1000 Financial Advisors in America" in 2009 and again in 2010. Herman's interests include golf and running.

Jason Cort, Vice President, Wealth Management Advisor

Jason joined Merrill Lynch in 1997. His areas of focus include liability management, corporate cash management and investment strategies designed to minimize risk while maximizing return. He is a graduate of Bucknell University with Honors in Economics and currently lives in Center Valley with his wife and three children. His interests include golf, soccer, travel and playing with his kids.

Brian C. Cort - Assistant Vice President, Wealth Management Advisor

Brian joined Merrill Lynch in 2002 and currently holds the Certified Financial Planner^SM, certification awarded by the Certified Financial Planner Board of Standards, Inc., and Chartered Retirement Planning Counselor^SM designation. He focuses on providing comprehensive retirement advice and solutions to the trustees of corporate retirement plans as well as providing retirement income planning services and portfolio design for individual clients. Brian is a graduate of Lafayette College and currently resides in Allentown with his wife and three children. Brian's interests include fly fishing, running, and biking.

Kori Lannon, Financial Advisor

Kori joined Merrill Lynch in 2007 after a 13 year career in commercial banking in Chicago, IL. She has B.A.'s in Business Economics and Mathematics from Brown University. The Rij Group added Kori to the team to sustain and preserve the high quality client relationships as our practice continues to grow. To that end, Kori advises our existing client base and cultivates new growth opportunities. Kori is married with three daughters. She enjoys running, golf, biking and platform tennis.

Fran Whelan, Registered Senior Client Associate

Fran joined Merrill Lynch in 1983. A graduate of Newark State Teachers College, she supervises the group's administrative operations. Fran's seniority and length of service allow her to have a keen knowledge of financial operations and issues. She is familiar with most, if not all of Merrill Lynch's products and services. Fran enjoys spending her free time with her family and gardening.

Jonathan Mack, CFM, Registered Client Associate

Jon graduated from Penn State University in 1996 with a B.S. in Business Administration. Jon is valuable in providing quality service to our clients and has a good understanding of the culture of the markets. His primary role is supporting the group's research and investment analysis efforts. In addition, Jon was a 2002 recipient of Merrill Lynch's Lifetime Community Achievement Award. Jon enjoys spending time with his family, golfing and being a basketball referee.

Rebecca Rij-Flynn, Registered Senior Client Associate

Becky joined Merrill Lynch in 1999 after receiving her B.S. in Marketing from Villanova University. Like Fran and Jon, Becky supports the team by working with clients to address issues promptly and accurately. While she has a broad knowledge of all Merrill Lynch products and services, she is the primary support person for all annuity and insurance issues. Becky enjoys spending time with her family, playing tennis and gardening.