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A Guide to Your Merrill Lynch Statement Understanding features and benefits tracking progress As a Merrill Lynch client, you receive a user-friendly monthly statement that gives you a 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 read, we’ve prepared this guide to explain its features and benefits and to answer any questions you might have. You can view your statements, your trade confirmations and this guide online. And you can print your statements or save them to your computer or CD. To opt for online delivery and convenient e-mail alerts, visit www.mymerrill.comTM. 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. Additional Statement Features It’s All About You The Merrill Lynch statement is based directly on client recommendations and preferences, as defined by extensive quantitative and qualitative research conducted throughout the country. You’ll find the statement intuitive, logical and easy to use. And if you have questions, relevant Merrill Lynch phone numbers and Web addresses are clearly indicated throughout, as is your Financial Advisor’s name and contact information. The statement brings together key information about your banking, investments, retirement, credit and lending, estateplanning and business finances. 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T he streamlined version of the statement presents information in a logical, clear and easy-to-read design that resembles other Merrill Lynch statements. In addition, it consolidates cost basis detail and includes categorical holdings detail, account level “Cash Flow,” a separate listing of money fund transactions, and provides Daily Account Activity as the default. Quarterly Performance Report Clients who hold managed accounts such as an Unified Managed Account (UMA), Consults or Personal Investment Advisory®(PIA) will receive a Quarterly Performance Report. This report provides detailed information regarding the rates of return for the account against benchmarks. Fiscal Statement If you have an RCMA®, WCMA®, EMA®, BIA or TMA account, you are eligible to receive an annual Fiscal Statement in addition to the Merrill Lynch monthly statement. The Fiscal Statement is a comprehensive statement that combines 12 months of activity and is generated once in a 12-month cycle based on a predetermined fiscal plan month. Annual Consolidated Tax Reporting Statement Each February, we will send you a special tax-reporting statement that contains account data to help with tax return preparation. The Consolidated Tax Reporting Statement contains the following Key Features: n n n n 12 summary of taxable activities in your account and a detailed chronological breakdown of reportable A transactions grouped by category. This section legally substitutes for IRS Forms 1099-Div, 1099-INT, 1099–OID, 1099-B and 1099-MISC T he Non-Reportable Income/Expense Section goes beyond providing the details of your transactions. It also includes income and expenses that, although we do not report to the IRS, can help with tax preparation. T he CMA Visa Signature Summary includes Check Summary and Visa Signature Transaction Summary sections that list all checks numerically and all card transactions by date and category. This section also offers a monthby-month analysis of all expenditures, and includes pre-authorized debits and web bill payments. Merrill Lynch Mutual Fund Advisor®Program (Merrill Lynch MFA®) Average Cost Basis Summary is provided if A you have an account enrolled in the MFA Service. Your gain and loss calculations for redemptions and taxable exchanges will be listed and calculations are based on the IRS-approved, average cost, single category method for establishing the cost basis when selling mutual fund shares. L-08-10 BofA, CMA, E-Delivery, EMA, Loan Management Account, Merrill Lynch Consults, Merrill Lynch MFA, Merrill Lynch Mutual Fund Advisor, mymerrill.com, Personal Investment Advisory, RCMA, Signature Rewards and WCMA are trademarks of Bank of America Corporation. 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