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A Guide to Your Merrill Lynch Statement
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tracking progress
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snapshot of where you stand financially—across both sides of your balance sheet and
within each Merrill Lynch account and product type.
While the Merrill Lynch statement is simple by design and intended to be easy to
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Inside
Statement Structure
Key Information
- Summary Pages
- Account Detail Pages
Additional Statement Features
Additional Client Reporting
2
4
4
6
11
12
Statement Structure
Your Merrill Lynch statement is structured to make it easy to locate information. It’s based on
up to five summary pages, supported by account detail pages. Shown here is a “map” of the
Merrill Lynch statement. Not all clients will receive all the summary pages.
Summary Pages
Primary Account: 1X1-45678
JOHN Q CUSTOMER AND
MARY CUSTOMER
123 ANY STREET
APT 1A
ANYTOWN, ST 12345-6789
Need Investment Guidance?
Call Your Financial Advisor
Your Financial Advisor:
JOHN Q ADVISOR
456 ANY STREET
ANYTOWN, ST 12345-6789
[email protected]
(000) 000-0000
Account Number: 1X1-45678
■ YOUR MERRILL LYNCH REPORT
December 01, 2009 - December 31, 2009
PORTFOLIO SUMMARY
November 30
Month Change
$1,167,031.65
$1,015,224.90
$151,806.75
▲
Your Assets
Your Liabilities
$1,169,231.65
($2,200.00)
$1,015,224.90
$154,006.75
▲
($305.48)
($1,324.01)
—
($305.48)
($1,324.01)
Your Dividends/Interest Income
Your Market Change
Subtotal Investment Earnings
$732.21
$151,380.02
$152,112.23
$1,202.21
$42,381.00
$43,583.21
—
■
BEYOND BANKING
■
INVESTMENTS
—
■
If you have questions on your statement,
call 24-Hour Assistance:
Access Code: XX-XXX-XXXX
Up-to-date account information can be viewed
at: www.mymerrill.com, where your statements are
archived for three or more years.
Questions about mymerrill.com? Click the “help”
tab at the top of the screen once you log in.
.97
.92
.94
.92
.95
.93
.94
.99
1.16
1.01
.95
.93
■
4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09
* Link relationship change.
Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details.
■
INFORMATION AT YOUR FINGERTIPS, NOT IN YOUR MAILBOX
1
Page
December 31
November 30
JOHN Q CUSTOMER AND
1X1-45678
CMA
This account has a margin debit balance. Please see the enclosed account statement for details.
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank
of America Corporation. Investment products:
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.
1 of 27
0007254 001020 7954
RETIREMENT
JOHN’S RETIREMENT
2X1-56789
1,149,820.53
996,170.24
6
17,211.12
19,054.66
20
IRA
CREDIT & LENDING
JOHN Q CUSTOMER AND
0000000000
Mortgage as of 07/29/09
(183,612.50)
(185,972.50) †
JOHN Q CUSTOMER AND
0000000000
Home Equity as of 07/29/09
—
— †
Available Credit: 200,000.00
Subtotal
(183,612.50)
(185,972.50)
Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. † Previous month’s mortgage and home equity balances are not as
of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement.
ESTATE PLANNING SERVICES
Estate Planning Services marketing message displayed here.
SOLUTIONS FOR BUSINESS
Business Financial Marketing Message displayed here.
All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other
depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see footnote 14 on the last page of this statement for more
information. These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying
accounts may have different owners and use of “you” or “your” in these reports refer to all owners. The enclosed separate account statements are the official record for
each account.
Did you know you can receive this statement and many other Merrill Lynch communications electronically, instead of in the mail? E-delivery through My Merrill ® is a fast,
flexible, safe way to reduce paper mail. Visit www.mymerrill.com to enroll today.
001
Account Type/Managing Firm
Beyond Banking marketing message displayed here.
1
■
Net Portfolio Value (in millions), 2004-2009
(800) MERRILL
(800) 637-7455
December 01, 2009 - December 31, 2009
Account No.
December 31
Net Portfolio Value
Your Net Cash Flow (Inflows/Outflows)
Securities You Transferred In/Out
Subtotal Net Contributions
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
■ YOUR ACCOUNTS
001
000000000000000000
2 of 27
0007254 001020 7954
0000000000000
Your Merrill Lynch Report
Your Accounts
• Integrates Assets and Liabilities in
one view
• Highlights changes in Portfolio Summary
including net cash flow, security deposits/
withdrawals and market change
• Displays trends over the past five years
plus the current year
• Provides information on opportunities
to obtain investment guidance
• Presents a top-level overview of your
individual accounts
• Includes all product categories, from
Retirement to Solutions for Business
Account Detail Pages (CMA® account shown as an example. Pages to be repeated for all accounts.)
Online at www.mlol.ml.com
Account Number: 1X1-45678
Cash/Money Accounts
Fixed Income
Equities
Mutual Funds
Options
Other
Alternative Investments
Subtotal (Long Portfolio)
Estimated Accrued Interest
Life Insurance/Annuities
TOTAL ASSETS
December 31
November 30
7,198,635.00
34,548,719.00
15,395,162.00
--14,000.00
8,409,954.00
----346,297.00
---
11,927,556.00
34,562,616.00
9,365,390.00
----8,313,954.00
----445,170.00
---
$65,522.768.00
$64,464,687.00
--(390,000.00)
--(150,000.00)
TOTAL LIABILITIES
NET PORTFOLIO VALUE
($390,000.00)
($150,000.00)
$65,522,768.00
$64,464,687.00
This account is pledged as collateral for Loan Management Account # XXX-XXXXX.
CASH FLOW
Opening Cash/Money Accounts
If you have changes to your investment objective, please contact your Financial Advisor(s).
This Statement
YOUR CMA BANK DEPOSIT INTEREST SUMMARY
Year to Date
152,340.00
Money Account Description
10,000.00
100,000.00
2,500.00
112,500.00
1,725,482.77
159,000.00
5,631.86
1,890,114.63
(41,000.00)
(3,734.00)
(2,766.00)
—
—
—
(47,500.00)
(843,000.00)
(6,789.00)
(364,847.07)
(26,001.97)
(3,500.00)
(83,887.71)
(1,328,025.75)
Net Cash Flow
$65,000.00
$562,088.88
20,000.00
(468.52)
(25,974.00)
51,911.04
139,543.90
(2,811.12)
(636,540.22)
411,540.22
Dividends/Interest Income
Dividend Reinvestments
Security Purchases/Debits
Security Sales/Credits
Securities You Transferred In/Out
0007254 001020 7954
Average
Deposit Balance
Current
Yield%
Interest on
Deposits
Closing
Balance
98,010
3,010
3.01
3.01
344.75
15.50
$360.25
122,369
4,024
126,39
98,010
0
98,010
ITEMS FOR ATTENTION
Security
Message
EMC CORPORATION MASS
JPM 0027 7/2
Opinion Upgraded
Option Expiring
Date
Security
Message
PFIZER INC DEL PV $0.05
Opinion Downgraded
Date
12/10/09
YOUR CMA ASSETS
CASH/MONEY ACCOUNTS
Description
$262,808.52
35,000.00
Opening Balance
FIA Card Services, N.A.
Bank of America RI, N.A.
TOTAL ML Bank Deposit Program
Quantity
CASH
ML BANK DEPOSIT PROGRAM
TOTAL
303,415.46
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank
of America Corporation. Investment products:
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.
001
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
December 01, 2009 - December 31, 2009
TOTAL RETURN: Objective is to strike a balance between fixed-income instruments for current income and equities for growth. Despite the relatively balanced nature of the portfolio, the
investor should be willing to assume the risk of price volatility and principal loss.
CREDITS
Funds Received
Electronic Transfers
Other Credits
Subtotal
DEBITS
Electronic Transfers
Margin Interest Charged
Other Debits
Visa Purchases (debits)
ATM/Cash Advances
Checks Written/Bill Payment
Subtotal
Closing Cash/Money Accounts
Account Number: 1X1-45678
ACCOUNT INVESTMENT OBJECTIVE
December 01, 2009 – December 31, 2009
LIABILITIES
Margin Loan/Debit Balance
Short Market Value
$65,522,768.00
Your Financial Advisor:
ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXX
ADDRESS 1 UP TO 30 CHARACTERS
ADDRESS 2 UP TO 30 CHARACTERS
[email protected]
(000) 000-0000
■ CMA® ACCOUNT
ASSETS
JOHN Q CUSTOMER AND
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
Net Portfolio Value:
THIS IS A LINE OF 30 CHARACTER
JOHN Q CUSTOMER
123 ANY STREET
ANYTOWN, ST 12345-6789
TO ACCOMODATE MAXIMUM OF
6 LINES TOTAL DEPTH
6 of 27
001
126,393
000000000000000000
Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Estimated
Annual Income
Est. Annual
Yield%
1.00
126,393.00
126,394.00
1.0000
1.36
126,393.00
126,394.36
3,804
3,804
3.01
3.01
0000000000000
0007254 001020 7954
Account Summary includes:
Delivers details on:
• Assets, Liabilities and Cash Flow
for each individual account
• Account Investment Objective
• Bank Deposit Interest Summary
• Items for Attention
• Your Assets
7 of 27
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation.
Investment products:
2
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
MLPF&S is a registered broker-dealer, member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.
But to receive those for which you qualify, you should first make sure that you have linked your
Merrill Lynch accounts. This will allow you to receive all your brokerage account statements in
one envelope, as well as potentially increase the number of summary pages you may receive.
Account Number: 1X1-45678
Account Number: 1X1-45678
■ YOUR BALANCE SHEET (for your ML accounts)
ASSETS
Cash/Money Accounts
Fixed Income
Equities
Mutual Funds
Options
Other
Alternative Investments
Subtotal (Long Portfolio)
Estimated Accrued Interest
Life Insurance/Annuities
TOTAL ASSETS
December 31
November 30
128,850.48
205,419.97
300,325.00
64,484.10
—
—
10,000.00
709,079.55
664.00
459,488.10
102,564.90
150,000.00
299,110.00
—
—
—
—
551,674.90
5,550.00
458,000.00
$1,169,231.65
$1,015,224.90
LIABILITIES
Margin Loan/Debit Balance
Short Market Value
Subtotal
NET PORTFOLIO VALUE
—
(2,200.00)
(2,200.00)
—
—
—
$1,167,031.65
$1,015,224.90
December 01, 2009 - December 31, 2009
CASH FLOW
This Report
Opening Cash/Money Accounts
CREDITS
Funds Received
Electronic Transfers
Other Credits
Subtotal
DEBITS
Electronic Transfers
Margin Interest Charged
Other Debits
Visa Purchases (debits)
ATM/Cash Advances
Checks Written/Bill Payment
Subtotal
Net Cash Flow
Dividends/Interest Income
Dividend Reinvestments
Security Purchases/Debits
Security Sales/Credits
Closing Cash/Money Accounts
OTHER LIABILITIES (not included in Net Portfolio Value)
Loan Management Account (1)
Mortgages
Home Equity Loans
Business Loans
Subtotal
TOTAL LIABILITIES
(1)
—
(185,972.50)
—
(4,350.00)
(190,322.50)
($189,812.50)
($190,322.50)
1,725,482.77
59,000.00
5,631.86
1,790,114.63
(52,900.00)
—
(364,847.07)
(26,001.97)
(3,500.00)
(867,255.71)
(1,314,504.75)
(305.48)
$475,609.88
732.21
(138.00)
—
25,996.85
5,109.20
(276.00)
475,609.88
303,415.46
—
$2,000
40%
$0
Equities
27%
Fixed Income
21%
Cash/Money Accounts
11%
Alternative Investments
100%
This Report
232.50
360.25
1.46
138.00
$732.21
TaxExempt
Interest
Taxable
Interest
TaxExempt
Dividends
Taxable
Dividends»
Total
This Report
Income
TaxExempt
Interest
Taxable
Interest
TaxExempt
Dividends
Taxable
Dividends
Total
YTD
Income
233
233
360
360
–
–
449
449
1,042
1,042
1,818
1,818
2,432
2,432
–
–
957
957
5,207
5,207
–
–
–
–
1
1
–
–
1
1
–
–
–
–
58
58
–
–
58
58
$233
$360
$1
$449
$1,043
$1,818
$2,432
$58
$957
$5,265
Non-Retirement
1X1-45678
Subtotal
Retirement
2X1-56789
Subtotal
Aug Sep Oct Nov Dec
Year To Date
1,818.03
2,432.06
58.06
801.00
$15,109.14
Year to Date
������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
TOTAL
�����������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
» Dividends may include long term capital gain distributions.
$18,676.00
GAIN/(LOSS) SUMMARY
TOP FIVE PORTFOLIO HOLDINGS
Does not include Fixed Income Mutual Funds
Based on Estimated Market Value
% of Total
Bond Assets
Par Value
Estimated
Market Value
1–2
27%
40,000
42,300.00
2–5
58%
85,000
89,953.97
10–15
Jul
Estimated Annual Income
BOND MATURITY SCHEDULE
Total
Account No.
Feb Mar Apr May Jun
Jan
Tax-Exempt Interest
Taxable Interest
Tax-Exempt Dividends
Taxable Dividends
Total
1%
TOTAL
Maturity Years
This Report
$8,000
Percent
Other
* Includes the categorical values for the underlying portfolio of individual mutual funds,
closed end funds, and UITs
(42,456.78)
December 01, 2009 - December 31, 2009
INCOME SUMMARY
CURRENT INCOME
Estimated Accrued Interest not included
May not reflect all holdings
$128,850.48
Securities You Transferred In/Out
—
(183,612.50)
—
(4,000.00)
(187,612.50)
4,487.73
13,800.00
250.00
18,537.73
(15,600.00)
—
(2,766.23)
(169.93)
(254.00)
(53.05)
(18,843.21)
■ YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW
December 01, 2009 - December 31, 2009
ASSET ALLOCATION*
102,564.90
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
■ YOUR PORTFOLIO REVIEW
Year to Date
15%
80,000
23,666.00
100%
205,000
$155,919.97
Long Term Capital
Gain Distributions
Realized Gains/(Losses)
Current Value
% of
Portfolio
214,200.00
126,393.00
89,953.97
71,370.00
49,500.00
18.51%
10.92%
7.77%
6.17%
4.28%
Lowes Companies
ML Bank Deposit Program
Hawaii St. Hsg Fin & Dev
Hewlett Packard Co Del
Hawaiian Electric Inc
Account No.
Non-Retirement
1X1-45678
Subtotal
Retirement
2X1-56789
Subtotal
Unrealized Gains/(Losses)
This Report
Short Term
YTD
Short Term
This Report
Long Term
YTD
Long Term
Year To Date
Short Term
Long Term
6,294.66
6,294.66
26,000.00
26,000.00
2,940.61
2,940.61
11,762.44
11,762.44
956.82
956.82
–
–
45,548.00
45,548.00
–
–
–
–
–
–
–
–
N/A
N/A
–
–
10,871.00
10,871.00
$6,294.66
$26,000.00
$2,940.61
$11,762.44
$956.82
–
$56,419.00
��������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
TOTAL
��������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
Secured by assets in a Merrill Lynch account
001
3 of 27
0007254 001020 7954
001
000000000000000000
Your Balance Sheet
Your Portfolio Review
• Shows both Assets and Liabilities
• Includes Loan Management Account®
and mortgage account values
• Cash Flow section has a compre­
hensive list of credits and debits
including a true net cash flow value
• Features an Asset Allocation chart
and a Current Income graph
• Highlights important data about your
top five holdings
• Fixed income security holders will
receive a Bond Maturity Schedule
• Financial Market Indicators and
marketing messages may be included
for some accounts
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
JOHN Q CUSTOMER AND
YOUR CMA ASSETS
CDs/EQUIVALENTS
Description
December 01, 2009 - December 31, 2009
Acquired
+ CD AMERICAN NTL BK & TRST
12/14/01
CHICAGO, ILLINOIS••06.950%••DEC 28 2008
CUSIP: 12345689••
YTD PREMIUM AMORTIZATION: 67.00
TOTAL
GOVERNMENT AND AGENCY SECURITIES
Description
Acquired
Quantity
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
40,000
40,492.00
105.7500
42,300.00
1,808.00
40,000
Quantity
+ GNM P246518 09 50% 2020
09/07/90
60,000
CUSIP: 123456789
AMORTIZED FACTOR 0.054385870••AMORTIZED VALUE 3263
ORIGINAL UNIT/TOTAL COST: 100.00/600.00
TOTAL
CORPORATE BONDS
Description
Acquired
MUNICIPAL BONDS
Description
Acquired
258.00
2,567
2,567
6.07
6.07
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
3,263.00
110.0000
3,589.00
326.00
26.00
314
8.75
3,589.00
326.00
26.00
314
8.75
Quantity
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
20,000.00
100.3850
20,077.00
77.00
55.00
1,309
20,077.00
77.00
55.00
1,309
20,000
20,000.00
Quantity
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
85,000.00
105.8282
89,953.97
4,953.97
Subtotal (Interest)
12/22
6.52
Estimated
Estimated Current
Accrued Interest Annual Income Yield%
325.00
4,030
4.48
89,953.97
4,953.97
325.00
4,030
0007254 001020 7954
Description
»
Lg Tm Cap Gain
Reinvestment
Dividend
Reinvestment
Lg Tm Cap Gain
»
Divd Reinvestment
3
Reinvestment
LOWE’S COMPANIES INC
LOWE’S COMPANIES INC
LOWE’S COMPANIES INC
LOWE’S COMPANIES INC
BLACKROCK GLOBAL ALLOC
HOLDING 1301.9370
QUAL DIV 311.01
PAY DATE 12/05/2009
Income
Income
Year To Date
360.25
2,432.05
138.00
(138.00)
234.00
(234.00)
311.01
LOWE’S COMPANIES INC
REINV AMOUNT $138.00
REINV PRICE $46.00
QUANTITY BOUGHT 3.00
Subtotal (Dividends)
NET TOTAL
» Long Term Capital Gain Distributions
683.01
1,112.01
1,041.76
5,362.09
449.01
956.82
The long-term capital gain distribution amounts may change due to income reclassification information provided by the issuer. In particular, distributions made by Mutual Funds, REITs and UITs
often need to be reclassified as a different type of distribution (including long-term capital gain distributions) after the end of the year in which the distribution was originally paid.
SECURITY TRANSACTIONS
Date
Description
12/15
■
12/18
■
12/22
85,000.00
*
Estimated
Estimated Current
Accrued Interest Annual Income Yield%
6.52
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
December 01, 2009 - December 31, 2009
DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued)
Date
Transaction Type
Quantity
Transaction Type
AUTOMATIC DATA PROC
CUS NO 053015103
AUTOMATIC DATA PROC
CUS NO 053015103
SUN MICROSYSTEMS INC COM
Subtotal (Sales)
Sale
Quantity
-400
Unit
Price
5 of 27
• Provides Income Summary and
Gain/(Loss) Summary for each
account in your portfolio
• Offers information on interest and
dividends earned for the current
reporting period and year to date
• Summarizes realized and unrealized
gains and losses
YOUR CMA TRANSACTIONS
12/22
12/22
12/22
12/22
12/22
0007254 001020 7954
Your Monthly Income &
Gain/(Loss) Review
Account Number: 1X1-45678
Estimated
Estimated Current
Accrued Interest Annual Income Yield%
3,263.00
HAWAII ST HSG FIN & DEV
06/24/98
85,000
CRP SFM PUR REV SR A AMT JUN98 04.750%DEC01 08
MOODY’S: AAA S&P: AAA CUSIP: 123456785
RESET RATE: 100.000 RESET DATE: 12/11/09
TOTAL
85,000
001
1,808.00
42,300.00
258.00
60,000
NM BANK AMERICA CORP BE
03/26/01
20,000
CUSIP: 123456784
15DEC18•MTLY-PAY 06.550% FIXRATE MOODY’S: AA3 S&P: A<
CALL PRICE: 100.00 CALL DATE: 12/15/09
TOTAL
40,492.00
Estimated
Estimated Current
Accrued Interest Annual Income Yield%
001
4 of 27
0007254 001020 7954
0000000000000
Debit
8.6435
Credit
Note:
Specific detail sections
may not appear in all
statements, depending
on account type,
holdings and activity.
Accrued Interest
Earned/(Paid)
3,457.40
Sale
-100
38.7300
3,873.00
Sale
-100
86.6645
8,666.45
15,996.85
4.48
8 of 27
001
000000000000000000
0000000000000
Your Assets
Your CMA®Transactions:
• Delivers a comprehensive listing of
assets in your account by category:
— Cash/Money Accounts
— Fixed Income
— Equities
— Mutual Funds
— Options
— Other
— Alternative Investments
• Provides detail on Income, Security
Transactions, Securities You
Transferred In/Out (if applicable),
and Realized Gains/(Losses)
15 of 27
3
Key Information
In the pages that follow, we’ll take you on a guided tour of your statement and show you
some of the key features and benefits.
Summary Pages
Your Merrill Lynch Report
This page shows your
personal balance sheet—
your Merrill Lynch Assets
and Liabilities in one view.
Primary Account: 1X1-45678
■ YOUR MERRILL LYNCH REPORT
JOHN Q CUSTOMER AND
MARY CUSTOMER
123 ANY STREET
APT 1A
ANYTOWN, ST 12345-6789
December 01, 2009 - December 31, 2009
PORTFOLIO SUMMARY
Need Investment Guidance?
Call Your Financial Advisor
Your Financial Advisor:
JOHN Q ADVISOR
456 ANY STREET
ANYTOWN, ST 12345-6789
[email protected]
(000) 000-0000
December 31
November 30
Month Change
Net Portfolio Value
$1,167,031.65
$1,015,224.90
$151,806.75
▲
Your Assets
Your Liabilities1
$1,169,231.65
($2,200.00)
$1,015,224.90
$154,006.75
▲
Your Net Cash Flow (Inflows/Outflows)
Securities You Transferred In/Out
Subtotal Net Contributions
($305.48)
($1,324.01)
($305.48)
($1,324.01)
Your Dividends/Interest Income
Your Market Change
Subtotal Investment Earnings
$732.21
$151,380.02
$152,112.23
$1,202.21
$42,381.00
$43,583.21
—
—
—
Net Portfolio Value (in millions), 2004-2009
If you have questions on your statement,
call 24-Hour Assistance:
(800) MERRILL
(800) 637-7455
Access Code: XX-XXX-XXXX
.99
.97
Up-to-date account information can be viewed
at: www.mymerrill.com, where your statements are
archived for three or more years.
.92
.94
.95
.92
.93
.94
Net Portfolio Value
The line chart displays
trends over the past five
years plus the current year.
1.16
1.01
.95
.93
4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09
* Link relationship change.
Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details.
Questions about mymerrill.com? Click the “help”
tab at the top of the screen once you log in.
1
INFORMATION AT YOUR FINGERTIPS, NOT IN YOUR MAILBOX
Did you know you can receive this statement and many other Merrill Lynch communications electronically, instead of in the mail? E-delivery through My Merrill ® is a fast,
flexible, safe way to reduce paper mail. Visit www.mymerrill.com to enroll today.
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank
of America Corporation. Investment products:
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.
001
Your Accounts
This summary page lists
all your linked accounts.
Account Number: 1X1-45678
Your Balance Sheet
This page clearly presents
your Assets and Liabilities,
demonstrating the value
of consolidating and
integrating asset
management with debt
management.
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
December 01, 2009 - December 31, 2009
Account No.
Open 24/7
Our 24-hour assistance
number appears
prominently on every other
page. Your statement also
features contact information for your Merrill Lynch
Financial Advisor.
1 of 27
0007254 001020 7954
■ YOUR ACCOUNTS
■
BEYOND BANKING
■
INVESTMENTS
Account Type/Managing Firm
Page
December 31
November 30
1,149,820.53
996,170.24
6
17,211.12
19,054.66
20
Beyond Banking marketing message displayed here.
JOHN Q CUSTOMER AND
1X1-456781
CMA
This account has a margin debit balance. Please see the enclosed account statement for details.
1
■
RETIREMENT
■
CREDIT & LENDING
■
ESTATE PLANNING SERVICES
■
SOLUTIONS FOR BUSINESS
JOHN’S RETIREMENT
2X1-56789
IRA
Portfolio Summary
Highlights changes in
Portfolio Summary including
Net Cash Flow, Securities
Deposits/Withdrawals and
Market Change.
JOHN Q CUSTOMER AND
0000000000
Mortgage as of 07/29/09
(183,612.50)
(185,972.50) †
JOHN Q CUSTOMER AND
0000000000
Home Equity as of 07/29/09
—
— †
Available Credit: 200,000.00
Subtotal
(183,612.50)
(185,972.50)
Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. † Previous month’s mortgage and home equity balances are not as
of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement.
Account Level Summary
Your accounts summarized
in one view. Margin-Available
Credit is displayed for applicable
accounts. Also, this page is
organized by product categories
for clear, consistent communication about your financial life.
Estate Planning Services marketing message displayed here.
Business Financial Marketing Message displayed here.
All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other
depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see footnote 14 on the last page of this statement for more
information. These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying
accounts may have different owners and use of “you” or “your” in these reports refer to all owners. The enclosed separate account statements are the official record for
each account.
001
000000000000000000
2 of 27
0007254 001020 7954
0000000000000
Account Number: 1X1-45678
■ YOUR BALANCE SHEET (for your ML accounts)
ASSETS
Cash/Money Accounts
Fixed Income
Equities
Mutual Funds
Options
Other
Alternative Investments
Subtotal (Long Portfolio)
Estimated Accrued Interest
Life Insurance/Annuities
TOTAL ASSETS
December 31
November 30
128,850.48
205,419.97
300,325.00
64,484.10
—
—
10,000.00
709,079.55
664.00
459,488.10
102,564.90
150,000.00
299,110.00
—
—
—
—
551,674.90
5,550.00
458,000.00
$1,169,231.65
$1,015,224.90
LIABILITIES
Margin Loan/Debit Balance
Short Market Value
Subtotal
NET PORTFOLIO VALUE
—
(2,200.00)
(2,200.00)
—
—
—
$1,167,031.65
$1,015,224.90
December 01, 2009 - December 31, 2009
CASH FLOW
Opening Cash/Money Accounts
CREDITS
Funds Received
Electronic Transfers
Other Credits
Subtotal
DEBITS
Electronic Transfers
Margin Interest Charged
Other Debits
Visa Purchases (debits)
ATM/Cash Advances
Checks Written/Bill Payment
Subtotal
Net Cash Flow
Dividends/Interest Income
Dividend Reinvestments
Security Purchases/Debits
Security Sales/Credits
Closing Cash/Money Accounts
OTHER LIABILITIES (not included in Net Portfolio Value)
Loan Management Account (1)
Mortgages
Home Equity Loans
Business Loans
Subtotal
TOTAL LIABILITIES
(1)
001
Securities You Transferred In/Out
—
(183,612.50)
—
(4,000.00)
(187,612.50)
—
(185,972.50)
—
(4,350.00)
(190,322.50)
($189,812.50)
($190,322.50)
This Report
Year to Date
102,564.90
4,487.73
13,800.00
250.00
18,537.73
1,725,482.77
59,000.00
5,631.86
1,790,114.63
(15,600.00)
—
(2,766.23)
(169.93)
(254.00)
(53.05)
(18,843.21)
(52,900.00)
—
(364,847.07)
(26,001.97)
(3,500.00)
(867,255.71)
(1,314,504.75)
(305.48)
$475,609.88
732.21
(138.00)
—
25,996.85
5,109.20
(276.00)
475,609.88
303,415.46
$128,850.48
—
(42,456.78)
Secured by assets in a Merrill Lynch account
0007254 001020 7954
3 of 27
Liabilities Section
The Liabilities section clearly
differentiates classes of liabilities
and provides information on
margin accounts, securities-based
lending, mortgages and/or home
equity loans with Merrill Lynch
Home Loans™ and business loans.
For most clients, information about
your Merrill Lynch Home Loan
mortgage and/or home equity loan
will appear automatically on your
statement unless you have elected
a privacy choice that prohibits this.*
* For clients who are residents of California and Vermont, information about your Merrill Lynch Home Loan mortgage and/or home equity loan will
appear on your statement only if you have provided affirmative written consent. Any first and/or home equity mortgage client who wishes to change
an existing privacy election must provide written consent.
4
If you have any questions, or to obtain instructions and a Consent to Change form, you can call a loan servicing agent directly at (888) 412-8625;
or you can go to: www.merrillhomeloans.com.
Your Portfolio Review
We’ve laid out this information
in four quadrants to make it
easy to access and understand.
Asset Allocation
Shows how your account is
allocated among the following
asset categories: Cash and
Money Accounts, Fixed Income,
Equities, Alternative Investments
or Other. A footnote may appear
regarding allocation of Mutual
Funds, if applicable.
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
■ YOUR PORTFOLIO REVIEW
December 01, 2009 - December 31, 2009
ASSET ALLOCATION*
CURRENT INCOME
Estimated Accrued Interest not included
May not reflect all holdings
$8,000
Percent
$2,000
40%
$0
Other
Equities
27%
Fixed Income
21%
Cash/Money Accounts
11%
Alternative Investments
1%
TOTAL
100%
* Includes the categorical values for the underlying portfolio of individual mutual funds,
closed end funds, and UITs
BOND MATURITY SCHEDULE
Par Value
Estimated
Market Value
1–2
27%
40,000
42,300.00
58%
85,000
89,953.97
10–15
% of Total
Bond Assets
15%
80,000
23,666.00
100%
205,000
$155,919.97
001
Jul
This Report
Aug Sep Oct Nov Dec
Year To Date
1,818.03
2,432.06
58.06
801.00
$15,109.14
232.50
360.25
1.46
138.00
$732.21
$18,676.00
Estimated Annual Income
Based on Estimated Market Value
2–5
Total
Feb Mar Apr May Jun
TOP FIVE PORTFOLIO HOLDINGS
Does not include Fixed Income Mutual Funds
Maturity Years
Jan
Tax-Exempt Interest
Taxable Interest
Tax-Exempt Dividends
Taxable Dividends
Total
000000000000000000
Lowes Companies
ML Bank Deposit Program
Hawaii St. Hsg Fin & Dev
Hewlett Packard Co Del
Hawaiian Electric Inc
Current Value
% of
Portfolio
214,200.00
126,393.00
89,953.97
71,370.00
49,500.00
18.51%
10.92%
7.77%
6.17%
4.28%
4 of 27
0007254 001020 7954
0000000000000
Financial Market
Indicators
This chart appears on the
Portfolio Review page if you
don’t have fixed income
securities. It shows the
value of major market
indicators for both the
current and prior periods.
Bond Maturity Schedule
Presented here is the total
value of your bond portfolio within
defined maturity ranges. The
table also shows the par value of
the bond portfolio residing within
each maturity range.
Your Monthly Income &
Gain/(Loss) Review
This page provides a summary
of income from interest and
dividends, as well as information on gains and losses for
each account during the current
month and year to date.
Gain/(Loss) Summary
Shows long- and short-term
gains and losses, both
realized and unrealized, for
each account, and year-to-date
values for long- term capital
gain distributions.
Current Income
This chart graphically
depicts monthly and
year-to-date income.
Additionally, it delineates
interest paid on taxable
versus tax-exempt
securities and displays
the values of dividends
paid on both a taxable and
tax-exempt basis.
Account Number: 1X1-45678
■ YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW
December 01, 2009 - December 31, 2009
INCOME SUMMARY
This Report
Account No.
Non-Retirement
1X1-45678
Subtotal
Retirement
2X1-56789
Subtotal
Year to Date
TaxExempt
Interest
Taxable
Interest
TaxExempt
Dividends
Taxable
Dividends»
Total
This Report
Income
TaxExempt
Interest
Taxable
Interest
TaxExempt
Dividends
Taxable
Dividends
Total
YTD
Income
233
233
360
360
–
–
449
449
1,042
1,042
1,818
1,818
2,432
2,432
–
–
957
957
5,207
5,207
–
–
–
–
1
1
–
–
1
1
–
–
–
–
58
58
–
–
58
58
$233
$360
$1
$449
$1,043
$1,818
$2,432
$58
$957
$5,265
������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
TOTAL
�����������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
» Dividends may include long term capital gain distributions.
GAIN/(LOSS) SUMMARY
Long Term Capital
Gain Distributions
Realized Gains/(Losses)
Account No.
Non-Retirement
1X1-45678
Subtotal
Retirement
2X1-56789
Subtotal
Unrealized Gains/(Losses)
This Report
Short Term
YTD
Short Term
This Report
Long Term
YTD
Long Term
Year To Date
Short Term
Long Term
6,294.66
6,294.66
26,000.00
26,000.00
2,940.61
2,940.61
11,762.44
11,762.44
956.82
956.82
–
–
45,548.00
45,548.00
–
–
–
–
–
–
–
–
N/A
N/A
–
–
10,871.00
10,871.00
$6,294.66
$26,000.00
$2,940.61
$11,762.44
$956.82
–
$56,419.00
��������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
TOTAL
��������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
001
0007254 001020 7954
5 of 27
Income Summary
Shows income generated
and received during the
month and year to date.
This table separates
interest received on taxexempt securities from
that received on taxable
securities and displays
dividends paid on both a
taxable and tax-exempt
basis. Total values are
shown for each account
and for your overall
portfolio.
5
Key Information
Continued
We’ve selected a sample CMA®account to give you a sense of the account detail available in
your Merrill Lynch statement. While specific sections may not appear in all statements, you’ll
find that the information is presented consistently for each account.
Account Detail Pages
Account Summary Page
This page summarizes
the assets, liabilities
and cash flow for each
account. The net
portfolio value is
highlighted.
Online at www.mlol.ml.com
Account Number: 1X1-45678
December 01, 2009 – December 31, 2009
ASSETS
December 31
November 30
7,198,635.00
34,548,719.00
15,395,162.00
--14,000.00
8,409,954.00
----346,297.00
---
11,927,556.00
34,562,616.00
9,365,390.00
----8,313,954.00
----445,170.00
---
$65,522.768.00
$64,464,687.00
Cash/Money Accounts
Fixed Income
Equities
Mutual Funds
Options
Other
Alternative Investments
Subtotal (Long Portfolio)
Estimated Accrued Interest
Life Insurance/Annuities
TOTAL ASSETS
LIABILITIES
Margin Loan/Debit Balance
Short Market Value
--(390,000.00)
--(150,000.00)
($390,000.00)
($150,000.00)
$65,522,768.00
$64,464,687.00
TOTAL LIABILITIES
NET PORTFOLIO VALUE
This account is pledged as collateral for Loan Management Account # XXX-XXXXX.
CASH FLOW
10,000.00
100,000.00
2,500.00
112,500.00
1,725,482.77
159,000.00
5,631.86
1,890,114.63
(41,000.00)
(3,734.00)
(2,766.00)
—
—
—
(47,500.00)
(843,000.00)
(6,789.00)
(364,847.07)
(26,001.97)
(3,500.00)
(83,887.71)
(1,328,025.75)
Net Cash Flow
$65,000.00
$562,088.88
Dividends/Interest Income
Dividend Reinvestments
Security Purchases/Debits
Security Sales/Credits
20,000.00
(468.52)
(25,974.00)
51,911.04
139,543.90
(2,811.12)
(636,540.22)
411,540.22
Closing Cash/Money Accounts
Securities You Transferred In/Out
$262,808.52
303,415.46
35,000.00
6 of 27
0007254 001020 7954
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
ACCOUNT INVESTMENT OBJECTIVE
December 01, 2009 - December 31, 2009
TOTAL RETURN: Objective is to strike a balance between fixed-income instruments for current income and equities for growth. Despite the relatively balanced nature of the portfolio, the
investor should be willing to assume the risk of price volatility and principal loss.
If you have changes to your investment objective, please contact your Financial Advisor(s).
YOUR CMA BANK DEPOSIT INTEREST SUMMARY
Opening Balance
FIA Card Services, N.A.
Bank of America RI, N.A.
TOTAL ML Bank Deposit Program
Average
Deposit Balance
Current
Yield%
Interest on
Deposits
Closing
Balance
98,010
3,010
3.01
3.01
344.75
15.50
$360.25
122,369
4,024
126,39
98,010
0
98,010
ITEMS FOR ATTENTION
Security
Message
EMC CORPORATION MASS
JPM 0027 7/2
Opinion Upgraded
Option Expiring
Date
Security
Message
PFIZER INC DEL PV $0.05
Opinion Downgraded
Date
12/10/09
YOUR CMA ASSETS
CASH/MONEY ACCOUNTS
Description
Quantity
CASH
ML BANK DEPOSIT PROGRAM
TOTAL
001
6
Year to Date
152,340.00
CREDITS
Funds Received
Electronic Transfers
Other Credits
Subtotal
DEBITS
Electronic Transfers
Margin Interest Charged
Other Debits
Visa Purchases (debits)
ATM/Cash Advances
Checks Written/Bill Payment
Subtotal
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank
of America Corporation. Investment products:
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.
Money Account Description
Your Bank Deposit
Interest Summary
Shows balances on your
bank deposits with FIA
Card Services, NA and/or
Bank of America RI, NA.
This Statement
Opening Cash/Money Accounts
001
Account Investment
Objective
Your account’s listed
investment objective(s)
and description(s) are
displayed here.
$65,522,768.00
Your Financial Advisor:
ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXX
ADDRESS 1 UP TO 30 CHARACTERS
ADDRESS 2 UP TO 30 CHARACTERS
[email protected]
(000) 000-0000
■ CMA® ACCOUNT
Assets
You’ll see current month
and prior month values
for all asset categories
in the account.
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
Net Portfolio Value:
THIS IS A LINE OF 30 CHARACTER
JOHN Q CUSTOMER
123 ANY STREET
ANYTOWN, ST 12345-6789
TO ACCOMODATE MAXIMUM OF
6 LINES TOTAL DEPTH
Cash Flow
Here’s an easy-to-use
summary of debits and
credits for the account—for
the month and year- to-date.
126,393
000000000000000000
0000000000000
Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Estimated
Annual Income
Est. Annual
Yield%
1.00
126,393.00
126,394.00
1.0000
1.36
126,393.00
126,394.36
3,804
3,804
3.01
3.01
0007254 001020 7954
7 of 27
Liabilities
Margin loan/debit balances
and short position values are
included here; Merrill Lynch
Home Loans home equity
lines, mortgages and other
loans appear only on the Your
Accounts and Balance Sheet
summary pages if applicable.
Margin-Available Credit is
displayed, if applicable.
Items for Attention
Look here for changes
in research opinions on
equity positions, alerts that
options are expiring, bonds
are maturing and other
important messages.
Your Assets
Here you’ll find a
comprehensive list of
securities within the
account. Look in this
section for important
tax lot information,
subtotals by asset type,
and price and valuation
information. You’ll also
see a calculation of the
yield for each investment.
Alternative Investments
If you hold alternative
investments, they will
be listed here.
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
YOUR CMA ASSETS
December 01, 2009 - December 31, 2009
MUTUAL FUNDS/CLOSED END FUNDS/UIT
Description
Total
Cost Basis
Quantity
Estimated
Market Price
Unrealized
Gain/(Loss)
Total Client
Investment
10,001
8,979
791
4.16
4,402
13,725
8,694
18,657
544
1,346
4.15
4.15
BLACKROCK GLOBAL ALLOCATION C
1,301
SYMBOL: XXXXX Initial Purchase: 12/26/96
Equity 100%
.9370 Fractional Share
17,652.00
14.5895
18,980.93
1,328.93
N/A
14.5895
13.67
N/A
HAWAIIAN TAX FREE TR SBI
12,665.00
N/A
11.8097
11.8097
13,096.95
32,382.19
431.95
N/A
.8780 Fractional Share
N/A
11.8097
Subtotal (Fixed Income)
Subtotal (Equities)
TOTAL
30,317.00
1,109
2,742
SYMBOL: XXXXX Initial Purchase: 12/15/98
Fixed Income 100%
Cumulative
Investment
Estimated Current
Return ($) Annual Income Yield%
Estimated
Market Value
4.16
N/A
10.36
45,489.50
18,994.60
64,484.10
4.15
1760.88
1,890
4.16
Total Client Investment: Cost of shares directly purchased and still held. Does not include
Unrealized Gain or (Loss): Estimated Market Value minus Total Cost Basis. Provided
shares purchased through reinvestment.
for Tax Planning purposes only and is not applicable to retirement accounts “denoted
Cumulative Investment Return: Estimated Market Value minus Total Client Investment.
by N/A”.
Cumulative Investment Return is the capital appreciation (depreciation) of all shares purchased,
Initial Purchase: Date of your initial investment in this fund.
including shares purchased through reinvestment.
Market Timing: Merrill Lynch's policies prohibit mutual fund market timing, which involves the purchase and sale of mutual fund shares within short periods of time with the intention of
capturing short-term profits resulting from market volatility. Market timing may result in lower returns for long-term fund shareholders because market timers capture short-term gains that
would otherwise pass to all shareholders and due to increased transaction costs and fewer assets for investment due to the need to retain cash to satisfy redemptions.
ALTERNATIVE INVESTMENTS
Description
CAMPBELL STRATEGIC
ALLOCATION FUND LP
Acquired
Quantity
Unit
Cost Basis
Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
Estimated
Annual Income
12/17/04
219
227.990
49,929.00
45.66
10,000.00
(39,929.00)
000,000,000
10,000.00
(39,929.00)
49,929.00
TOTAL
LONG PORTFOLIO
Adjusted/Total
Cost Basis
426,257.00
TOTAL
Estimated
Market Value
681,868.43
Unrealized
Estimated
Estimated
Gain/(Loss)Accrued Interest Annual Income
47,260.00
664.00
18,979
001
Liabilities
Lists the liabilities in
your account, including
short positions.
Current
Yield%
Current
Yield%
2.78
10 of 27
0007254 001020 7954
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
YOUR CMA LIABILITIES
SHORTS
Description
December 01, 2009 - December 31, 2009
Acquired
Quantity
CALL JPM 0027 7/2
04/07/03
JP MORGAN CHASE AND CO EXP 08-10 2005OPEN TRAN
SYMBOL: XXX
TOTAL
10
Unit
Cost Basis
Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
.94
949.00
2.20
2,200.00
(1,250.00)
$2,200.00
(1,250.00)
949.00
Unrealized
Estimated Current
Gain/(Loss) Annual Income Yield%
YOUR CMA INDEPENDENTLY VALUED DIRECT INVESTMENTS
Description
Quantity
Est. Value Per Unit*
Est. Value*
10
N/A
N/A (2)
ML MEDIA PARTNERS LP 86
Long Portfolio
Provides a total for
Adjusted/Total Cost
Basis, Estimated Market
Value, Unrealized Gain
(or Loss), Estimated
Accrued Interest,
Estimated Annual Income
and Current Yield %.
Direct Investments
If you hold direct
investments, such as
Limited Partnerships
that are held outside
Merrill Lynch, they will
be listed here.
* The amounts presented for limited partnerships and other direct investments are for informational purposes only, generally do not represent the market or liquidation value of these
investments, and may vary from values (if any) provided by the issuer or others. These investments are generally illiquid and are not listed on a national securities exchange or The Nasdaq
Stock Market, and investors may not be able to sell them or realize the amounts shown above upon a sale or liquidation. Also, these amounts are not included in the “Priced Portfolio” or
similar categories of this statement. These investments are not registered in the name of or held by MLPF&S or its nominees and are held by you or registered in your name with the issuer
or its agent. MLPF&S does not hold or act as custodian for these investments. The amounts represent one of the following, as indicated:
(1) - An estimate of value provided to Merrill Lynch by an independent valuation service on an annual basis; in this case, an estimate of value based on information available to the service
on March 15, 2008. This amount has not been adjusted to reflect changes which may have taken place subsequent to that valuation date.
(2) - Unavailable; the value of this investment may be different than its original purchase price.
YOUR CMA TRANSACTIONS
DIVIDENDS/INTEREST INCOME TRANSACTIONS
Date
Transaction Type
Quantity
12/15
Bond Interest
12/29
³ Bank Interest
Income Total
Description
Reinvestment
Income
HAWAII ST HSG FIN+DEV
CRP SFM POR REV SRA AMT
JUN 98 04.750% DEC 0108
Subtotal (Tax-Exempt Interest)
232.50
BANK DEPOSIT INTEREST
ML Bank Deposit Interest
Security Transactions
In addition to purchases,
sales and redemptions,
this section includes
information on accrued
interest and subtotals
for selected categories.
14 of 27
0007254 001020 7954
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
YOUR CMA TRANSACTIONS
December 01, 2009 - December 31, 2009
DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued)
Date
Transaction Type
Quantity
Subtotal (Interest)
12/22
12/22
12/22
12/22
12/22
*
12/22
1,818.03
1.25
359.00
001
Your Transactions
Here’s the record of
activity in your account,
organized in chronological
order, by category.
Income
Year To Date
232.50
Description
»
Lg Tm Cap Gain
Reinvestment
Dividend
Reinvestment
Lg Tm Cap Gain
»
Divd Reinvestment
3
Reinvestment
LOWE’S COMPANIES INC
LOWE’S COMPANIES INC
LOWE’S COMPANIES INC
LOWE’S COMPANIES INC
BLACKROCK GLOBAL ALLOC
HOLDING 1301.9370
QUAL DIV 311.01
PAY DATE 12/05/2009
Income
Income
Year To Date
360.25
2,432.05
138.00
(138.00)
234.00
(234.00)
311.01
LOWE’S COMPANIES INC
REINV AMOUNT $138.00
REINV PRICE $46.00
QUANTITY BOUGHT 3.00
Subtotal (Dividends)
NET TOTAL
» Long Term Capital Gain Distributions
683.01
1,112.01
1,041.76
5,362.09
449.01
956.82
The long-term capital gain distribution amounts may change due to income reclassification information provided by the issuer. In particular, distributions made by Mutual Funds, REITs and UITs
often need to be reclassified as a different type of distribution (including long-term capital gain distributions) after the end of the year in which the distribution was originally paid.
SECURITY TRANSACTIONS
Date
Description
12/15
■
12/18
■
12/22
001
Transaction Type
AUTOMATIC DATA PROC
CUS NO 053015103
AUTOMATIC DATA PROC
CUS NO 053015103
SUN MICROSYSTEMS INC COM
Subtotal (Sales)
Sale
Quantity
Unit
Price
-400
8.6435
Debit
Credit
Sale
-100
38.7300
3,873.00
Sale
-100
86.6645
8,666.45
15,996.85
000000000000000000
0000000000000
Accrued Interest
Earned/(Paid)
3,457.40
15 of 27
Dividends/Interest
Income Transactions
This is a summary of the
dividends and interest
earned for the statement
period and year-to-date,
including reinvestments.
For tax-reporting purposes,
dividends and interest are
flagged as either taxable
or tax-exempt. A footnote
may appear to highlight
dividends that may be
subject to long-term capital
gain distribution.
7
Key Information
Realized Gains/
(Losses)
This summary of gains
and losses for transactions closed within
the month represents
figures as short-term
and long-term to guide
your tax-planning and
investment decisions.
Continued
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
YOUR CMA TRANSACTIONS
December 01, 2009 - December 31, 2009
SECURITY TRANSACTIONS (continued)
Date
Description
12/14
Transaction Type
Unit
Price
Quantity
FEDL FARM CREDIT BANK
Redeemed
DISCOUNT NOTE ZERO% DEC 14 2006
PAY DATE 12/14/2009 INTEREST INCOME: $1,234.56*
Subtotal (Other Security Transactions)
Total Accrued Interest Earned
Total Accrued Interest Paid
TOTAL
Standing Instructions
Shows the amount,
type and frequency
of the action.
REALIZED GAINS/(LOSSES)
Description
10,000.00
000.00
(000.00)
25,996.85
Acquired/
Cover Short
Date
Liquidation/
Short Sale
Date
Sale Amount
Cost Basis
400
100
07/17/95
07/18/98
12/15/05
12/18/09
3,457.40
3,873.00
2,016.79
2,373.00
100
12/21/09
12/22/09
8,666.45
2,371.79
15,996.85
6,761.58
Quantity
X AUTOMATIC DATA PROC
Subtotal (Long-Term)
SUN MICROSYSTEMS INC COM
Subtotal (Short-Term)
TOTAL
Gains/(Losses)*
This Statement
Year to Date
1,440.61
1,500.00
2,940.61
6,294.66
6,294.66
26,000.00
9,235.27
37,762.44
11,762.44
+ Debt Instruments purchased at a premium show amortization
θ Debt Instruments purchased at a discount show accretion
N/C - Results may not be calculated for transactions which involve the amortization of premium, the repayment of principal, the sale of partnership interests, derivative products purchased in the
secondary market, or the determination of ordinary income and or capital items for discount and zero-coupon issues.
S - Short Sale
P - Indicates that an option premium has been included in the calculation.
CSVB - Indicates cover short versus box.
N/A - Results which cannot be calculated because of insufficient data are reflected by an N/A entry in the capital gain or (loss) column and are not included in the realized capital gain and loss summary.
DK - Identifies results which cannot be determined as short-term or long-term until combined with results of other 2008 broad-based index option (DK) transactions.
CXL - Indicates the cancellation of an error transaction.
COR - Reflects a correction entry.
* - Trades settling this month but executed in 2007 must be reported in 2007. These totals exclude (DK) broad-based index option results.
The Cost Basis for eligible Tax Lots purchased in the current year has not been adjusted by a portion of the current year Unlimited Advantage fee. If the account is enrolled in the Cost Basis Allocation
Service, adjustments to Tax Lots will systematically occur at year-end.
X The cost basis on the sale or redemption of this security is determined utilizing the First-In First-Out (FIFO) accounting methodology. If you transferred this security to Merrill Lynch from another firm,
the cost basis may have been reported to you by the other firm using an average cost methodology. If you previously used an average cost methodology in reporting sales transactions of this security to
the IRS, you may need to use an adjusted basis other than the one shown above. Please consult your tax advisor for more information.
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
YOUR CMA TRANSACTIONS
December 01, 2009 - December 31, 2009
OPEN ORDERS
Date
Transaction
12/25
ORDER TO BUY
Quantity
2,400
STANDING INSTRUCTIONS
Transaction
ORDER TO BUY
Frequency
QUARTERLY
Description
ML GLOBAL ALLOCATION C
Quantity
5,000
Description
TRINITY AREA SCH DIST PA
FGIC
04 04.25% JUL 01 18
WHEN ISSUED
Date
Transaction
12/15
Bought W.I.
UNSETTLED TRADES
Trade Settlement
Date
Date
12/28
01/03
12/30
01/05
NET TOTAL
Description
HEWLETT PACKARD CO DEL
Description
BELLSOUTH CORP
EXPRESS SCRIPTS INC COMMON
CASH/OTHER TRANSACTIONS
Date
Transaction Type
12/08
12/11
12/29
Quantity
Price
15.0000
Amount
1,000.0000
Symbol/
Cusip
Transaction
Type
Quantity
Price
Amount
BLS
ESRX
Purchase
Sale
80
40
39.1000
78.0000
(3,119.91)
3,111.91
(8.00)
Description
³ Funds Received
³ Funds Received
Funds Received
Subtotal (Funds Received)
Direct Deposit
Pre-Authdebit
Funds Transfer
Wire Transfer
Wire Transfer
Pre-Authdebit
Debit
50.35
2,000.00
2,437.38
4,487.73
250.00
US TREASURY 310
EXXON CO USA
CITIZENS BANK
WIRE TRF IN D200000293232
WIRE TRF OUTP20002103037
SYMBOL TECH
000000000000000000
50.00
1,000.00
12,500.00
3,500.00
December 01, 2009 - December 31, 2009
Quantity
Funds Transfer
Pre-Authdebit
ACH
Wire Transfer
Funds Transfer
ACH
ACH
Subtotal (Electronic Transfers)
Journal Entry
Visa Signature
Withdrawal
Description
Debit
BANK RETURN
SYMBOL TECH
WCM # 1234567
WCM TRF OUT P20002104148
BANK ONE
WCM #7654321
BANK RETURN #7654321
Credit
500.00
100.00
200.00
10,000.00
500.00
350.00
350.00
15,600.00
Tr From 222-22222
MONTH-END SUMMARY DEBIT
CK #21006-23525
FIRST FEDERAL BANK
13,800.00
250.00
219.93
446.30
Subtotal (Other Debits/Credits)
666.23
250.00
NET TOTAL
2,051.57
VISA SIGNATURE ACTIVITY
Trans. Date
Date Cleared
11/26
12/05
12/12
12/12
12/13
12/13
OPENING BALANCE
12/05
GOING FOR BAROQUE
12/22
* – TINTON FALLS BUY
12/22
* – MARTY'S SHOES
12/22
* – MARSHALLS 55
12/22
* – SAM GOODY
Subtotal (Visa Purchase Activity)
12/18
12/18
Description
Location/Transaction
Debit
.00
TINTON FALLS NJ
SHREWSBURY NJ
SHREWSBURY NJ
EATONTOWN NJ
68.10
97.80
21.19
32.84
169.93
ML ATM 000000
SMST NJ
100.00
PLUS ATM 000000
OCEAN NJ
51.50
151.50
VISA: FIRST BANK & TRUST
$100.00 FEE: 2.50
LUFKIN TX
Subtotal (ATM•Activity)
12/27
07/27
001
Unsettled Trades
Provides a list of
purchases/sales
entered during the
current month’s statement period, but not
settling until the
following month.
17 of 27
Account Number: 1X1-45678
CASH/OTHER TRANSACTIONS (continued)
Date
Transaction Type
When Issued
Includes transaction
details for When Issued
securities.
100.00
0000000000000
JOHN Q CUSTOMER AND
12/08
12/25
12/29
Credit
CHECK DEPOSIT
CHECK DEPOSIT
CMA PAYROLL DE C/ 10/29
YOUR CMA TRANSACTIONS
12/22
12/23
12/25
12/25
12/25
12/25
12/25
16 of 27
0007254 001020 7954
001
8
Accrued Interest
Earned/(Paid)
10,000.00
* This amount represents the interest income associated with the security redemption. Your Tax Reporting Statement will reflect this amount.
12/08
12/08
12/08
12/13
12/13
12/22
Cash/Other
Transactions
This section lists
miscellaneous transactions, such as funds
received, electronic
transfers, other debits/
credits and margin
interest charged.
Credit
-10,000
001
Open Orders
Indicates, with specific
prices and quantities,
any orders you have
placed that remain
unexecuted.
Debit
Subtotal (Cash Advances)
102.50
102.50
NET TOTAL
423.93
CLOSING BALANCE
Credit
50.00
.00
0007254 001020 7954
18 of 27
Visa® Signature
Activity
You’ll see subtotals for
selected categories—
Visa®debit purchase
activity, ATM activity and
cash advances.
Visa®Signature
Rewards®
This section provides an
update on your Signature
Rewards®program status,
with previous point
balance, points earned,
points redeemed, bonus
points and ending balance.
Checks Written/Bill
Payment
This section provides
details on check clearing
activity and electronic
bill payments.
Your Retirement
Account Contributions
and Distributions
Retirement account
holders will see account
contributions and distributions and if required,
the Required Minimum
Distribution Calculated
amount for the annual
distribution.
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
YOUR CMA TRANSACTIONS
December 01, 2009 - December 31, 2009
VISA SIGNATURE REWARDS
Rewards Period
Previous
Point Balance
Points Earned
This Period
Points
Redeemed
Point
Adjustments
Bonus
Points
Ending
Balance
11/26/2009 to 12/30/2009
25,782
220
0
0
0
26,002
CHECKS WRITTEN/BILL PAYMENT
Date Written
Date Cleared
Check Number
12/27
12/22
12/22
NET TOTAL
12/18
12/18
1234*
5678#
9125
Description
Transaction
PROVISIONAL CREDIT
JOHN SMITH
MACY'S
CHECK DISPUTE
Debit
Credit
289.79
100.00
242.84
53.05
* Indicates gap in check sequence
# Check converted to ACH debit by payee
To report Lost or Stolen Visa Cards or Checks, please call (800) CMA-LOST.
YOUR CMA MONEY ACCOUNT TRANSACTIONS
Date
Description
12/05
12/07
12/08
12/13
12/15
12/18
12/19
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
NET TOTAL
Withdrawals
Deposits
50.00
749.00
2,387.00
9,000.00
13,690.00
3,773.00
Date
Description
12/22
12/25
12/26
12/27
12/28
12/29
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
ML Bank Deposit Program
Withdrawals
Copies of this statement
have been sent to
Will list all recipients who
will receive a copy of your
statement.
Deposits
343.00
8,366.00
9,919.00
499.00
2,437.00
344.00
153.00
28,384.00
COPIES OF THIS STATEMENT HAVE BEEN SENT TO:
Michael Recipient
123 Any Street
Anytown, ST 12345-6789
001
Jane Recipient
123 Any Street
Anytown, ST 12345-6789
000000000000000000
Joe Recipient
123 Any Street
Anytown, ST 12345-6789
19 of 27
0000000000000
JOHN’S RETIREMENT
Account Number: 2X1-56789
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
YOUR RETIREMENT ACCOUNT CONTRIBUTIONS AND DISTRIBUTIONS
December 01, 2009 - December 31, 2009
Year End Plan Value as of December 31, 2008: $20,000.00
Contributions after December 31, 2008 for 2008: $00.00
Contributions
Tax Year 2009
Tax Year 2008
10,000.00
2,000.00
5,000.00
5,000.00
1,000.00
1,500.00
Tax Year 2009
Tax Year 2008
RMD•Calculated Amount 2010
4,000.00
6,000.00
892.00
212.00
212.00
7,057.72
5,000.00
8,000.00
912.00
300.00
300.00
0.00
10,000
Salary Deferral
Total Rollover Deposits
Recharacterization Deposits
Distributions
Normal
Rollover
Federal Taxes Withheld
NY State Taxes Withheld
GA State Taxes Withheld
Retirement to Roth
Money Account/Money
Fund Transactions
Displayed here are details
of all deposits to and withdrawals from your balances
in the Merrill Lynch Bank
Deposit Program or other
available money funds.
Our records indicate that for 2010 you may be required to take a Required Minimum Distribution (RMD) from this account. You are required to take annual RMD's from your IRA account (s) for
the year you turn age 70 ½ and each subsequent year. The deadline for taking your 2010 RMD is December 31, 2010 or April 1, 2011 if 2010 is your first Required Minimum Distribution year.
Contact us after January 15th in order to obtain your RMD calculation (if applicable), otherwise the calculation will be provided to you on your next statement.
For IRA, IRRA, SEP/IRA, SIMPLE/IRA Roth IRA and ESA accounts, the Year-End Plan Value represents the valuation we must furnish to you and the Internal Revenue Service as part of the IRS
Form 5498 reporting requirements.
001
000000000000000000
0000000000000
0007254 001020 7954
23 of 27
FUNDAMENTAL EQUITY OPINION KEY AND GUIDE TO YOUR BofA MERRILL LYNCH RESEARCH RATINGS
BofA MERRILL LYNCH RESEARCH
BofA Merrill Lynch Research or BofAML Research is research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and/or one or more of its affiliates. MLPF&S is a whollyowned subsidiary of Bank of America Corporation.
Equity Opinions include a Volatility Risk Rating, an Investment Rating and an Income Rating.
BofAML Research Volatility Risk Ratings
Indicators of potential price fluctuation are:
A - Low
B - Medium
C - High
BofAML Research Income Ratings
Indicators of potential cash dividends are:
7 - Same/higher (dividend considered to be secure)
8 - Same/lower (dividend not considered to be secure)
9 - Pays no cash dividend
BofAML Research Investment Ratings
Reflect the analyst’s assessment of a stock’s absolute total return potential and the stock’s attractiveness for investment relative to other stocks within a Coverage Cluster (defined below).
There are three investment ratings:
1 - Buy stocks are expected to have a total return of at least 10% and are the most attractive stocks in the Coverage Cluster
2 - Neutral stocks are expected to remain flat or increase in value and are less attractive than Buy rated stocks
3 - Underperform stocks are the least attractive stocks in a Coverage Cluster
Research Ratings
For accounts that qualify,
BofA Merrill Lynch Global
Research (BofA ML Research)
and independent research
ratings are provided for most
equities.
Analysts assign investment ratings considering, among other things, the 0-12 month total return expectation for a stock and the firm’s guidelines for ratings dispersions (shown in the table
below). The current price objective for a stock should be referenced to better understand the total return expectation at any given time. The price objective reflects the analyst’s view of the
potential price appreciation (depreciation).
BofAML Research Investment Rating
Buy
Neutral
Underperform
Total return expectation (within 12-month period of date of intial rating)
> or = 10%
> or = 0%
N/A
Ratings dispersion guidelines for Coverage Cluster+
< or =70%
< or = 30%
> or = 20%
+ Ratings dispersions may vary from time to time where BofAML Research believes that it better reflects the investment prospects of stocks in a Coverage Cluster.
A Coverage Cluster is comprised of stocks covered by a single analyst or two or more analysts sharing a common industry, sector, region or other classification(s). A stock’s Coverage Cluster is
included in the most recent BofAML Comment referencing the stock.
*THIRD PARTY RESEARCH
Third party research on the equity securities of certain companies is available to clients for informational purposes. Clients can access this research at www.mymerrill.com or can call 1-800MERRILL to request that a copy be sent to them. Please note that the third party research rating is not necessarily equivalent to, or derived using the same methodology as, the BofAML
Research ratings or the ratings of other third party research providers.
001
0007254 001020 7954
24 of 27
9
Key Information
BofA Fund(s) Current
Period Fees & Expenses
Displays approximate
value for current period
fees and expenses for
each BofA fund held.
Continued
24-Hour Assistance: (800) MERRILL
Access Code: XX-XXX-XXXX
BofA FUND(S)
CURRENT PERIOD FEES & EXPENSES
December 01, 2009 - December 31, 2009
Account
Number
Units
1X1-45678
1X1-45678
Fund Name
1,301.93
3,851.87
BofA LARGE CAP FUND
BofA GROWTH FUND
Annual
Current Period Fees
Ending
CUSIP
Expense Ratio *
& Expenses **
Market Value
19765K605
27865J710
0.80%
0.85%
$18.46
$25.32
$18,994.60
$45,489.50
The mutual funds, referenced above, are distributed by BofA Distributors, Inc., an affiliate of Merrill Lynch, Pierce, Fenner & Smith Incorporated.
Please note fees and expenses charged by a BofA Fund are included in the operating expenses of the Fund and are not deducted from the ending balance on your statement.
* Annual Expense Ratio is based on amounts incurred during the most recent fiscal year, as shown in the fund's audited financial statement, may have been restated to reflect current service provider fees, and are
net of any waivers, reimbursements or caps that the fund's manager has committed to the fund and that are currently in effect. Expense ratios are updated in conjunction with the annual updates to the fund's
prospectus. For new funds that do not yet have audited financial statements covering more than a six-month period, Annual Expense Ratio is estimated.
** Current Period Fees & Expenses are approximate, assume that the investor held shares of the fund valued at the ending balance for the entire period, and do not include the effect of any transactions that may
have been made during the period.
Additional Disclosures Applicable to Current Period Fees & Expenses and to Hypothetical Future Fees & Expenses:
- Additional fee information, including a summary of an independent fee consultant's management fee evaluation, is available at www.bofacapital.com and in shareholder reports.
- Fees disclosed here for a fund that is held through a wrap fee program do not include the separate fees and expenses that are imposed under the wrap fee program.
An investment in a money market mutual fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market mutual funds seek to preserve the
value of your investment at $1.00 per share, it is possible to lose money by investing in money market mutual funds. Past performance is no guarantee of future results. You should carefully consider a fund's
investment objectives, risks, charges and expenses before investing. This and other important information is included in the fund's prospectus, which should be read carefully before investing.
The following section details the hypothetical future fee and expense structure associated with your mutual funds distributed by BofA Distributors, Inc.. The following tables are produced for illustrative purposes only and do not guarantee future results. Actual results may vary. The illustrations are based on the assumptions appearing at the end of this section.
001
000000000000000000
25 of 27
0007254 001020 7954
0000000000000
BofA FUND(S)
HYPOTHETICAL FUTURE FEES & EXPENSES
BofA LARGE CAP FUND
Initial Hypothetical Investment ****
Assumed Rate of Return
Year
01
02
03
04
05
06
07
08
09
10
Cumulative
Return
Before Fees
& Expenses
5.00%
-10.25%
15.76%
21.55%
27.63%
34.01%
-40.71%
47.75%
55.13%
62.89%
Annual
Expense
Ratio***
0.80%
0.87%
0.87%
0.87%
0.87%
0.87%
0.87%
0.87%
0.87%
0.87%
Total Gain After Fees & Expenses
Total Annual Fees & Expenses
December 01, 2009 - December 31, 2009
19765K605
$10,000
5.00%
Cumulative
Return
After Fees
& Expenses
4.20%
-8.50%
12.98%
17.65%
22.51%
27.57%
-32.84%
38.32%
44.04%
49.99%
Hypothetical
Year-End Balance
After Fees
& Expenses
$10,420.00
$10,850.35
$11,298.47
$11,765.09
$12,250.99
$12,756.96
$13,283.82
$13,832.44
$14,403.72
$14,998.59
$4,998.59
Annual
Fees
& Expenses
$81.68
$92.53
$96.35
$100.33
$104.47
$108.78
$113.28
$117.96
$122.83
$127.90
$1,066.09
BofA GROWTH FUND
Initial Hypothetical Investment ****
Assumed Rate of Return
Year
01
02
03
04
05
06
07
08
09
10
Cumulative
Return
Before Fees
& Expenses
5.00%
10.25%
15.76%
21.55%
-27.63%
34.01%
40.71%
47.75%
55.13%
-62.89%
Annual
Expense
Ratio***
0.85%
0.92%
0.92%
0.92%
0.92%
0.92%
0.92%
0.92%
0.92%
0.92%
Total Gain After Fees & Expenses
Total Annual Fees & Expenses
27865J710
$10,000
5.00%
Cumulative
Return
After Fees
& Expenses
4.26%
9.50%
11.08%
16.55%
-22.50%
26.57%
34.44%
36.52%
48.64%
-48.69%
Hypothetical
Year-End Balance
After Fees
& Expenses
$9,420.99
$9,840.35
$10,100.22
$11,036.69
$11.598.99
$12,568.33
$13,125.35
$13,995.88
$14,745.21
$14,553.85
$5,698.64
Annual
Fees
& Expenses
$81.79
$92.43
$96.36
$100.52
$104.58
$108.63
$113.48
$117.26
$122.96
$127.66
$1,420.09
Hypothetical Fees & Expenses:
*** Annual Expense Ratios are based on amounts incurred during the most recent fiscal year, as shown in the fund's audited financial statement, may have been restated to reflect current service
provider fees, and are net of any waivers, reimbursements or caps that the fund's manager has committed to the fund for the period of the commitment. Annual Expense Ratios are updated in
conjunction with annual updates to the fund's prospectus. For new funds that do not yet have audited financial statements covering more than a six-month period, Annual Expense Ratio is estimated.
**** The hypothetical information shown above calculates the approximate fees and expenses that would be charged on the Initial Hypothetical Investment of $10,000, based on a 5.00% return each
year. Actual results may vary. The fee and expense information shown assumes that all dividends and distributions are reinvested in the fund.
Assumptions:
- Annual Fees & Expenses are approximate and assume that the investor had an initial investment of $10,000 and held shares of the fund for an entire 10-year period and do not include contingent
deferred sales charges.
- For Class B shares, the expense ratios reflect fee reductions resulting from conversion to Class A shares held after year eight.
- Annual Fees & Expenses are calculated based on the average between the beginning and ending balance for each year. All information is calculated on an annual compounding basis.
- Hypothetical Future Fees & Expenses are hypothetical and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation or endorsement of any specific
mutual fund. Mutual fund fees and expenses fluctuate over time and actual expenses may be higher or lower than those shown. You should carefully review the fund's prospectus to consider the
investment objectives, risks, expenses and charges of the fund prior to investing.
001
10
0007254 001020 7954
26 of 27
BofA Fund(s)
Hypothetical Future
Fees & Expenses
Displays projected
value of future fees and
expenses for each BofA
fund held.
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