7 Year Annual Income MLCD Linked to Equity Basket Issuer Bank of the West Maturity 7 Years Underlying Abbvie Inc (ABBV) – Altria Group Inc (MO) – Apple Inc (AAPL) – AT & T (T) – Duke Energy Corporation (DUK) – GlaxoSmithKline PLC (GSK) – McDonald’s Corporation (MCD) - PPL Corp (PPL) – Seagate Technology (STX) Verizon Communications Inc (VZ) Annual Coupon The greater of (i) Basket Performance and (ii) Minimum Coupon Auto-Cap 6.75% - to be set on the Pricing Date Minimum Coupon 0.50% Floor -10% Pricing Date December 24th , 2014 (orders by 2:00pm EST) (Closing on December 23rd , orders by 2:00pm EST) Issue Date December 30th , 2014 Cusip 06426XMB3 Street Price 97% 7 Year Income Advantage MLCD Linked to an Equity Basket selected from the Richard Bernstein Advisors Global Dividend Kings Universe® Issuer Bank of the West Maturity 7 Years Underlying AT & T (T) - CenterPoint Energy Inc (CNP) - GlaxoSmithKline PLC (GSK) - PPL Corp (PPL) – Target Corp (TGT) Maximum Coupon 6.50% Paid annually if all of the underlying stocks are greater than or equal to initial level Minimum Coupon 1.00% paid annually if any of the underlying stocks are below the initial level Pricing Date December 24th , 2014 (orders by 2:00pm EST) (Closing on December 23rd , orders by 2:00pm EST) Issue Date December 30th , 2014 Cusip 06426XMC1 Street Price 97% 7 Year Income Advantage MLCD Linked to Commodity Basket Issuer Bank of the West Maturity 7 Years Underlying S&P GSCI S&P GSCI S&P GSCI S&P GSCI S&P GSCI Cocoa Dynamic Roll Index ER (SPDYCCP) Coffee Dynamic Roll Index ER (SPDYKCP) Corn Dynamic Roll Index ER (SPDYCNP) Lead Dynamic Roll Index ER (SPDYILP) Natural Gas Dynamic Roll Index ER (SPDYNGP) Maximum Coupon 7.00% Paid annually if all of the underlying indices are greater than or equal to initial level Minimum Coupon 1.00% paid annually if any of the underlying indices are below the initial level Pricing Date December 24th , 2014 (Closing on December 23rd , orders by 2:00pm EST) Issue Date December 30th , 2014 Cusip 06426XMD9 Street Price 97% 6.5 Year Growth MLCD Linked to Morningstar Ultimate Stock-Pickers Target Vol 7 Index Issuer Bank of the West Maturity 6.5 Years Underlying Morningstar Ultimate Stock-Pickers Target Vol 7 Index (MSDIUSP7) Payoff [115 – 120]% participation in the point-to-point performance of the index Pricing Date December 26th , 2014 (orders by 1:00pm EST) Issue Date December 31st , 2014 Cusip 06426XME7 Street Price 97.50% 7-Year Growth MLCD Linked to the DWA Large Cap Sector Rotation Target Volatility 7 Index Issuer Bank of the West Maturity 7 Years Underlying DWA Large Cap Sector Rotation Target Volatility 7 Index (DWASSRV) Payoff [115 – 120]% participation in the point-to-point performance of the index Pricing Date December 26th , 2014 (orders by 2:00pm EST) Issue Date December 31st , 2014 Cusip 06426XMF4 Street Price 97.25% Anthony Guglielmo Fixed Income Sales NATIONAL SECURITIES Established 1947, MEMBER FINRA/SIPC One Hovchild Plaza 4000 Route 66, Suite 331 Tinton Falls NJ 07753 Tel - (732) 807-2354 Fax -(732) 837-2552 [email protected] For Broker/Dealer Use Only Securities offered through National Securities Corporation, Inc (NSC). Member FINRA/SIPC Investment Advisory Services offered through National Asset Management, Inc. (NAM) Insurance Services offered through National Insurance Corporation. (NIC) Tax advice offered through Gilman Ciocia, Inc. and not through NSC, NAM or NIC. Gilman, NSC, NAM and NIC are affiliated entities Securities and investments involve risk. Certain tax and/or estate planning strategies may be used in an effort to reduce the overall risk to one's portfolio. However, risk related to securities and investment products can never be completely eliminated. CONFIDENTIALITY: This electronic mail transmission, including any attachments, contains confidential and proprietary information, which belongs to either First Trust Portfolios, L.P. or First Trust Advisors L.P. The information is intended only for the use of the individual(s) or entity named above. Any unauthorized review, use, distribution, forwarding, copying or disclosure to or by any other person or entity is strictly prohibited. If the reader of this message is not the intended recipient, please notify the sender by reply email and destroy all copies of the original message.