I want to make sure I get this right. So when you first create a warband, some of your heroes start with experience already. Take the Mercenaries, their leader has 20 experience right of the bat. I downloaded the roster sheet, and it has squares representing experience. Every so often there are dark squares, which represent level ups.
Now a Mercenary leader with 20 experience would have had 8 upgrades already. When you start up a warband, do you roll on the chart and give him the upgrades and skills? Or does he start with nothing, the idea is that his increased stats are already taken into account? I think it's the latter, but I'm not sure.