THE HADDAD O'BRIEN PAYTON GROUP

For decades, we have delivered our financial acumen, deep devotion and personal commitment of care to affluent client families in greater Cincinnati, across Ohio, and in more than 25 states across the nation. Many clients have been with us for generations – including active and retired professionals, business owners who've had liquidity events, entrepreneurs, executives, widows, business retirement plans and non-profit organizations.

Our Mission is to operate daily with integrity to execute client objectives through ongoing management of a personalized strategy, delivery of world-class investment solutions, continuous oversight, and accountability.

At The Haddad O'Brien Payton Group, our clients have grown beyond cookie-cutter advice and call-center service. So we spend significant time listening to clients (what they say and may not say) – not just at the outset of each relationship, but frequently – to review changes in clients' lives, their goals, and the markets. We appreciate what's meaningful to our clients as new opportunities and challenges arise. What are their concerns and ambitions for themselves and their families?

As a multi-generational team, it's even more natural for us to work with generations of clients – their growing and adult children, and often, their elderly parents. By "bringing all stakeholders to the table" (when appropriate), we are better able to develop integrated approaches (from investment and retirement planning, to liability management, tax minimization and estate planning strategies).

There are no shortcuts to providing superior wealth management. By managing investment risk and clients' expectations, we can help them enjoy positive and enduring benefits. Given the opportunity, we would like to do the same for you.

At The Haddad O'Brien Payton Group, we believe that clients appreciate the blend of our team's energy and more than 80 years of cumulative wealth management experience. This uncommon synergy allows us to bridge generational gaps and talk comfortably and competently with all members of client families.

We also believe:

• Our honesty, sincerity and transparency allows clients to trust the advice and guidance we offer, and that we're working diligently on their behalf – not for ourselves.

• Talking frequently and thoughtfully with clients helps us update them on progress being made toward their stated goals – and update ourselves on changes in clients' lives and outlooks.

• It's incumbent on us to educate clients about the strategy they've agreed upon and their role in following it.

• Removing emotion from a client's investment decisions. Removing a client's emotion is critical to being an effective financial advisor. To accomplish this, we explain the strategy behind their portfolio's formulation, as well as what they own and why. As a result, we find that market volatility is less likely to cause them undue concern and worry.

• Coordinating with clients' other trusted advisors allows us to align efforts and allow for optimal tax minimization and estate planning strategies that span generations. We also focus on liability management – looking at ways that clients can benefit from access to specialists at Bank of America, N.A. for residential, commercial and securities-based lending.

• Offering simple explanations are the best way to explain things – regardless of how sophisticated or complex a strategy may be. We are passionate about helping clients feel informed and comfortable with where they stand and what they can expect moving forward.

The various stages in life often require adjustments in your financial and life goals, including:

• The retirement lifestyle you envision
• Preparing for the cost of the best education possible for your children and grandchildren
• Wealth transfer to the next generation
• Establishment of their legacy through family foundations and philanthropy
• Diversifying business interests
• Potential strategies for managing concentrated equity holdings

Years of experience working with clients through multiple market fluctuations have given us insight into how we may best help you pursue your goals. Working collaboratively, we can develop a personalized investment strategy specifically designed to pursue your lifestyle goals, no matter the financial environment. Your objectives, time horizon, liquidity needs, investment style and, perhaps most importantly, your sensitivity to risk will be taken into account. This can help ensure your financial strategy is aligned to what matters most to you.

Bringing fresh perspectives to your financial life

The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.

Helping you create a personalized plan

At Merrill, we go beyond the traditional role of an advisor.

• Your goals, concerns and attitude about investing are the foundation of your plan.
• We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family.
• We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Giving you access to our teams and solutions

Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with:

• Bank of America specialists, such as mortgage or trust professionals
• Timely insights from BofA Global Research1 to help you stay informed and navigate ever-changing markets
• A full suite of Merrill investing and Bank of America banking solutions

¹_{BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").}