A Guide to Your Merrill Lynch Statement

1 A Guide to your Merrill Lynch StatementUnderstanding features and bene tstracking progressAs 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 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 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 Structure 2 Key Information 4 - Summary Pages 4 - Account Detail Pages 6 Additional Statement Features 11 Additional Client Reporting 12 Statement StructureYour Merrill Lynch Statement is structured to make it easy to locate information.

2 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. INFORMATION AT your FINGERTIPS, NOT IN your MAILBOXDid 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 to enroll 001020 7954 Primary Account: 1X1-45678 JOHN Q CUSTOMER ANDMARY CUSTOMER123 ANY STREETAPT 1 AANYTOWN, ST 12345-6789 your Financial Advisor:JOHN Q ADVISOR456 ANY STREETANYTOWN, ST 000-0000 your Merrill Lynch REPORTD ecember 01, 2009 - December 31, 2009 PORTFOLIO SUMMARYD ecember 31 November 30 Month ChangeNet Portfolio Value$1,167, $1,015, $151, your Assets$1,169, $1,015, $154, your Liabilities($2, ) your Net Cash Flow (Inflows/Outflows)($ )($1, )Securities You Transferred In/Out Subtotal Net Contributions($ )($1, ) your Dividends/Interest Income$ $1, Market Change$151, $42, Investment Earnings$152, $43, *Link relationship change.

3 Includes cash/margin debit balances and short market values. See your Balance Sheet and account statements for more Portfolio Value (in millions), 2004-200912/04 12/05 12/06 12/07 12 2Q09 3Q09* 10/09 11/09 12 of 27001 Need Investment Guidance?Call your Financial AdvisorIf you have questions on your Statement ,call 24-Hour Assistance:(800) Merrill (800) 637-7455 Access Code: XX-XXX-XXXXUp-to-date account information can be viewedat: , where your statements arearchived for three or more about Click the help tab at the top of the screen once you log Lynch Wealth Management makes available products and services offered by Merrill Lynch , Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bankof America Corporation. Investment products:Are Not FDIC Insured Are Not Bank Guaranteed May Lose ValueMLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America of 270007254 001020 7954 your ACCOUNTSD ecember 01, 2009 - December 31, 2009 Account Type/Managing FirmDecember 31 November 30 Page BEYOND BANKINGB eyond Banking marketing message displayed here.

4 INVESTMENTSJOHN Q CUSTOMER AND1X1-456781 CMA1,149, , account has a margin debit balance. Please see the enclosed account Statement for details. RETIREMENTJOHN S RETIREMENT2X1-56789 IRA17, , CREDIT & LENDINGJOHN Q CUSTOMER AND0000000000 Mortgage as of 07/29/09(183, )(185, ) JOHN Q CUSTOMER AND0000000000 Home Equity as of 07/29/09 Available Credit: 200, (183, )(185, )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 SERVICESE state Planning Services marketing message displayed here. SOLUTIONS FOR BUSINESS Business Financial Marketing Message displayed Number: 1X1-4567824-Hour Assistance: (800) MERRILLA ccess Code: XX-XXX-XXXX001 All brokerage accounts are held at Merrill Lynch , Pierce, Fenner & Smith Incorporated, Member SIPC.

5 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 underlyingaccounts 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 Merrill Lynch Report 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 guidanceYour Accounts Presents a top-level overview of your individual accounts Includes all product categories, from Retirement to Solutions for BusinessDelivers details on: Account Investment Objective Bank Deposit Interest Summary Items for Attention your Assets6 of 270007254 001020 7954 Online at Number: 1X1-4567824-Hour Assistance: (800) MERRILLA ccess Code.

6 XX-XXX-XXXX CMA ACCOUNTD ecember 01, 2009 December 31, 2009 THIS IS A LINE OF 30 CHARACTERJOHN Q CUSTOMER123 ANY STREETANYTOWN, ST 12345-6789TO ACCOMODATE MAXIMUM OF6 LINES TOTAL DEPTHASSETSD ecember 31 November 30 Cash/Money Accounts7,198, ,927, Income34,548, ,562, ,395, ,365, Funds------Options14, ,409, ,313, Investments------Subtotal (Long Portfolio)------Estimated Accrued Interest346, , Insurance/Annuities------TOTAL ASSETS$65, $64,464, Loan/Debit Balance------Short Market Value(390, )(150, )TOTAL LIABILITIES($390, )($150, )NET PORTFOLIO VALUE$65,522, $64,464, account is pledged as collateral for Loan Management Account # Portfolio Value:$65,522, Financial Advisor:ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXXADDRESS 1 UP TO 30 CHARACTERSADDRESS 2 UP TO 30 000-0000001 CASH FLOWThis StatementYear to DateOpening Cash/Money Accounts 152, Received10, ,725, Transfers100, , Credits2, , , ,890, Transfers(41, )(843, )Margin Interest Charged(3, )(6, )Other Debits(2, )(364, )Visa Purchases (debits) (26, )ATM/Cash Advances (3, )Checks Written/Bill Payment (83, )Subtotal (47, )(1,328, )Net Cash Flow$65, $562, Income20, , Reinvestments( )(2, )Security Purchases/Debits(25, )(636, )Security Sales/Credits51, , Cash/Money Accounts$262, You Transferred In/Out35, , Lynch Wealth Management makes available products and services offered by Merrill Lynch , Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bankof America Corporation.

7 Investment products:Are Not FDIC Insured Are Not Bank Guaranteed May Lose ValueMLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Summary includes: Assets, Liabilities and Cash Flow for each individual accountAccount Detail Pages (CMA account shown as an example. Pages to be repeated for all accounts.)2 Summary Pages0007254 001020 7954 JOHN Q CUSTOMER AND Account Number: 1X1-4567824-Hour Assistance: (800) MERRILLA ccess Code: XX-XXX-XXXXACCOUNT INVESTMENT OBJECTIVED ecember 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, theinvestor should be willing to assume the risk of price volatility and principal you have changes to your investment objective, please contact your Financial Advisor(s).

8 your CMA BANK DEPOSIT INTEREST SUMMARYA verageCurrentInterest onClosingMoney Account DescriptionOpening BalanceDeposit BalanceYield%DepositsBalance FIA Card Services, 98,01098, ,369 Bank of America RI, , ,024 TOTAL ML Bank Deposit Program98,010$ ,39 ITEMS FOR ATTENTIONS ecurityMessageDate SecurityMessageDateEMC CORPORATION MASSO pinion UpgradedPFIZER INC DEL PV $ DowngradedJPM 0027 7/2 Option Expiring12/10/09 your CMA ASSETSCASH/MONEY ACCOUNTST otalEstimatedEstimatedEstimatedEst. AnnualDescriptionQuantityCost BasisMarket PriceMarket ValueAnnual IncomeYield% BANK DEPOSIT PROGRAM126,393126, , , 126, , , of 27001 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 products: Are Not FDIC InsuredAre Not Bank GuaranteedMay Lose Value MLPF&S is a registered broker-dealer, member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America CMA TRANSACTIONSD ecember 01, 2009 - December 31, 2009 DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued)IncomeDateTransaction TypeQuantityDescriptionReinvestment IncomeYear To DateSubtotal (Interest) , Tm Cap Gain LOWE S COMPANIES S COMPANIES INC( )12/22* DividendLOWE S COMPANIES S COMPANIES INC( )12/22Lg Tm Cap Gain BLACKROCK GLOBAL DIV DATE 12/05/200912/22 Divd Reinvestment3 LOWE S COMPANIES INCREINV AMOUNT $ PRICE $ BOUGHT (Dividends) , TOTAL1, , Long Term Capital Gain long-term capital gain distribution amounts may change due to income reclassification information provided by the issuer.

9 In particular, distributions made by Mutual Funds, REITs and UITsoften 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 TRANSACTIONSUnitAccrued InterestDateDescriptionTransaction TypeQuantityPriceDebitCreditEarned/(Paid )12/15 AUTOMATIC DATA , NO 05301510312/18 AUTOMATIC DATA , NO 05301510312/22 SUN MICROSYSTEMS INC , (Sales)15, Q CUSTOMER AND Account Number: 1X1-4567824-Hour Assistance: (800) MERRILLA ccess Code: XX-XXX-XXXX15 of 27001 Note: Specific detail sections may not appear in all statements, depending on account type, holdings and CMA Transactions: Provides detail on Income, Security Transactions, Securities You Transferred In/Out (if applicable), and Realized Gains/(Losses) your Assets Delivers a comprehensive listing of assets in your account by category: Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments0007254 001020 7954 your CMA ASSETSD ecember 01, 2009 - December 31, 2009 CDs/EQUIVALENTSA djusted/TotalEstimatedEstimatedUnrealize dEstimatedEstimated CurrentDescriptionAcquiredQuantityCost BasisMarket PriceMarket Value Gain/(Loss)Accrued Interest Annual IncomeYield%+CD AMERICAN NTL BK & TRST12/14/0140,00040, , , , , ILLINOIS DEC 28 2008 CUSIP: 12345689 YTD PREMIUM AMORTIZATION.

10 ,00040, , , , AND AGENCY SECURITIESA djusted/TotalEstimatedEstimatedUnrealize dEstimatedEstimated CurrentDescriptionAcquiredQuantityCost BasisMarket PriceMarket Value Gain/(Loss)Accrued Interest Annual IncomeYield%+GNM P246518 09 50% 2020 09/07/9060,0003, , : 123456789 AMORTIZED FACTOR AMORTIZED VALUE 3263 ORIGINAL UNIT/TOTAL COST: ,0003, , BONDSA djusted/TotalEstimatedEstimatedUnrealize dEstimatedEstimated CurrentDescriptionAcquiredQuantityCost BasisMarket PriceMarket Value Gain/(Loss)Accrued Interest Annual IncomeYield%NM BANK AMERICA CORP BE 03/26/0120,00020, , , : 12345678415 DEC18 MTLY-PAY FIXRATE MOODY S: AA3 S&P: A<CALL PRICE: CALL DATE: 12/15/09 TOTAL20,00020, , , BONDSA djusted/TotalEstimatedEstimatedUnrealize dEstimatedEstimated CurrentDescriptionAcquiredQuantityCost BasisMarket PriceMarket Value Gain/(Loss)Accrued Interest Annual IncomeYield%HAWAII ST HSG FIN & DEV 06/24/9885,00085, , , , SFM PUR REV SR A AMT JUN98 08 MOODY S: AAA S&P: AAA CUSIP: 123456785 RESET RATE: RESET DATE: 12/11/09 TOTAL85,00085, , , , of 27001 JOHN Q CUSTOMER AND Account Number.