Bob Payne - Managing Director 
Merrill Lynch Financial Consultant for over 
    22 years
First Vice President - Investments
Circle of Excellence Club member since 1986
Assets under management in excess of 450MM
Developer Mutual Fund Reference Guide
B.A. LaSalle University, 1975

Joined Merrill Lynch in 1965
Served as Account Executive, Sales Manager, 
    Manager, Director of Sales & Management
    Training for ML, Mid-Atlantic Regional
    Director, President Merrill Lynch Realty
District Director - Southern California
B.A. Ohio State University, 1959