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.
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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
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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
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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)
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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.
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■ 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.
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000000000000000000
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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
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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.
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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%
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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
��������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������
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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.
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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
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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
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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
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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.
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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
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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
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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
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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
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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
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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
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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. It illustrates that your money really does work harder when it works together.
Other Accounts and Services Depending on the nature of your account, your statement may also contain complete details of the following: n
Insurance contracts and CMA insurance services
n
Banking accounts
n
Retirement accounts
n
Loan Management Account®
n
Merrill Lynch Consults® accounts
n
Trust Management Account
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College savings plan accounts
Get Your Statement, Your Way CONVENIENT ELECTRONIC DELIVERY To reduce the number of mailings you receive, you can sign up for secure electronic delivery and not receive paper statement mailings at all. You’ll get your statements two to three days faster, and you can view, save or print them. You can also view four years’ worth of past statements online. Several options are available for statement delivery, including monthly or quarterly for some accounts: nE -Delivery®for All Accounts – You receive an e-mail notification when your statements are available online, with no paper statement mailed. n
M ail Summary Only – The statement summary section is sent to you in the mail, with detail sections available electronically.
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D elivery Options by Account – Choose either paper mail or e-delivery on an account-by-account basis. You may select a combination of both. You can choose the exact combination of delivery options you want for each account.
In addition to your monthly statement, you can choose electronic delivery of other account records such as Performance Reports, Trade Confirmations, Prospectus, Tax Statements, Service Notices and Shareholder Notices. To enroll in E-delivery, log in to MyMerrill.com, and from your home page select the “Profile & Settings” section under the “Client Services” tab. By selecting the “Notification Settings” tab you will be able to enter your delivery preference for monthly statements and other eligible account records. REDUCE MAIL WITH STATEMENT LINKING By “linking” your Merrill Lynch accounts, you’ll receive your statements together in one envelope. Linking your accounts allows you to receive account summary pages along with detail pages for each account in the linked relationship. It may also make you eligible to earn higher interest rates by putting you in a higher asset tier. Contact your Financial Advisor to learn more.
11
Additional Client Reporting Streamlined Statement Option t Merrill Lynch we take our commitment to simplify your financial life seriously. For clients who have certain A retirement accounts, or who just want a more simplified statement, you may be eligible to receive a streamlined version of the monthly statement that makes it easy for you to understand your holdings and investment activity. 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. Visa is a registered trademark of Visa International Service Association and is used by Merrill Lynch Bank USA (MLBUSA) pursuant to license from Visa U.S.A. Inc. © 2010 Bank of America Corporation. All rights reserved. 195816
Code 313901PM-0810