Why Merrill Lynch?

My ResponsibiLity is to seRve youR inteRests

Despite turbulence in the markets and challenges in the economy, my

first priority is to serve your best interests. I’m prepared to work with

you through every financial challenge and opportunity because it’s my

responsibility to help you manage your financial life and goals.

That kind of relationship makes me part of the proud tradition that

was inspired by our founder, Charles Merrill, more than 90 years ago.

He said, “The interests of our customers must come first.” His vision is

why, through turbulent times and decades of change, expansion, growth

and globalization, Merrill Lynch remains committed to its clients.

I will look after your short- and long-term interests, and recommend

proposals and strategies as they relate to your financial growth and

security. I want you to consider me a partner who will work with your

other trusted advisors, including your accountant, attorney and tax

specialist—the people who offer support and guidance and know

what you value most.

Why MeRRiLL Lynch is Right foR you

Quite simply, Merrill Lynch expertly combines the two most powerful elements available to help clients achieve the life they envision: the experience of a highly trained and thoughtfully prepared Financial Advisor committed to your needs, supported by the world-class resources of a leading global financial services firm.

About the MeRRiLL Lynch – bAnk of AMeRicA MeRgeR

Our combined company is a premier provider of global wealth manage-

ment services. We have a leading wealth management platform, with

a greatly enhanced global standing, as well as approximately 20,000

Financial Advisors and approximately $2 trillion in client assets.

n ouR coMbined fiRM Led the 2008 AnnuAL List of top 100 WoMen finAnciAL AdvisoRs With 23, MoRe thAn Any otheR fiRM — Barron’s, June 9, 2008

n ouR coMbined fiRM Led the 2008 AnnuAL List of top 100 finAnciAL AdvisoRs foR fifth consecutive yeAR With 25, MoRe thAn Any otheR fiRM — Barron’s, April 21, 2008

n ouR coMbined fiRM Led the 2008 AnnuAL List of top 250 WeALth AdvisoRs With 25, MoRe thAn Any otheR fiRM — Worth, October, 2008

you get A defined AppRoAch to WeALth MAnAgeMent

It’s important that I understand you so I can customize

a strategy that integrates all the pieces of your financial

life. Merrill Lynch’s time-tested, disciplined financial

management philosophy begins by fully comprehending

your goals for the future and your current financial

situation.

With that information, combined with my ability to

draw on specialized help—experts fully immersed in

every aspect of our business—I have the tools that can

help you (1) identify personal and professional financial

goals so we can create a strategy that meets your

long-term objectives; (2) establish financial strategies

and the asset allocation crucial to achieving your

investment objectives within your preferred risk

tolerance; (3) develop a solid diversification strategy to

help manage risk and reduce vulnerability to market

fluctuations; and (4) stay on target toward your financial

goals by consistently monitoring the investment process.

The Wealth Management Process is not a product or

service. It’s an objective framework I can use to help

organize your financial life, whether your aim is growth,

wealth preservation, or wealth transfer and structure.

We can work together to create a financial strategy

designed to meet your goals.

you hAve Access to sophisticAted finAnciAL stRAtegies And soLutions

We are not just about investments. Through

Merrill Lynch’s Total MerrillSM platform, we

offer almost every financial solution you’ll need

throughout your lifetime, which means I can

be as involved as you want me to be in your

financial life. I want to be the person to whom

you turn to get the financial solutions you need.

Merrill Lynch has put powerful resources at

my disposal and is committed to supporting my

efforts to help you. Part of my responsibility as

your Financial Advisor is to keep you totally

connected to our network of specialists who

have expertise in each product area (such as

estate planning, retirement and mortgages).

This is part of our wealth management process

that can keep you moving toward your goals

throughout your lifetime.

offeRing you A Wide RAnge of pRoducts And seRvices

Drawing upon the breadth and depth of Merrill Lynch’s wealth management platform, your Financial Advisor is dedicated to delivering sophisticated financial strategies and solutions that go beyond investing in stocks and bonds to address every aspect of your financial life.

Merrill Lynch has one of the most robust and dynamic investment platforms across the industry.

A bRoAd RAnge of cApAbiLities designed to heLp buiLd And enRich youR entiRe finAnciAL Life

n Comprehensive Financial Planningn Education Planningn Industry-Leading Researchn Tax Managementn Wealth Management Process

n Beyond Banking®Accountn Everyday Cash Managementn Merrill Lynch Beyond Rewards®Programn Savings Products

n Charitable Givingn Insurancen Private Family Foundationsn Trusts

n Cash Managementn Financingn Retirement Solutionsn Succession Planning

n Managing Income in Retirementn Managing Job Transitionn Planning for Retirement

n Credit Cardsn First Mortgage Financingn Home Equity Financingn Securities-Based Financing

n Alternative Investmentsn Concentrated Stock Servicesn Equity and Fixed-Income Strategiesn Managed Account Programs

n Asset Information and Measurementn Client Reviewn Merrill Lynch OnLine®n Statements

you hAve Access to top-tieR investMent MAnAgeRs

Because of Merrill Lynch’s rigorous and

disciplined evaluation and selection process,

you have the opportunity to confidently choose

from a wide range of professionally screened,

independent and qualified money managers

and investment strategies. Each is selected and

monitored by Merrill Lynch using the same

process practiced for our top institutional

clients. Our platform includes 390 separately

managed account (SMA) strategies and more

than 3,500 mutual funds.

The result is a dynamic family of investments,

including equities, fixed income and short-term

investments, managed by some of the best

investment managers in the world. This commitment

to choice and quality—plus my availability

to assist you in looking beyond investments

to achieve the life you want—enables you to

fulfill a wide range of strategies.

deLiveRing stRAtegy And thought LeAdeRship

Your Merrill Lynch Financial Advisor is trained and equipped to understand the financial markets as well as available investment choices and resources that can help meet your goals.

you cAn LeveRAge the vAst ResouRces of A gLobAL LeAdeR in ReseARch

My knowledge and experience are enhanced by the

thought leadership and innovative strategic thinking

of some of the brightest minds in the industry.

Research is at the very core of our value proposition.

The combined Banc of America Securities–Merrill

Lynch research platform offers our clients additional

access to the highest-quality investment ideas, with

approximately 700 analysts in more than 20 countries.

We do global research in stocks, bonds, economics

and investment strategy. What that means is we can

gain more insights about economic and business

developments before they impact the market, allowing

our Financial Advisors to bring actionable ideas and

knowledge to our clients.

Using all of Merrill Lynch’s world-class research,

market analysis and risk-management strategies,

I can help you meet all of your financial needs.

n no. 1 bRokeRAge fiRM foR cLient stAteMents — Broker Monitor, January, 2008

iMpActing ALL AReAs of youR finAnciAL Life

With world-class capabilities and a diverse range of financial services, our reach extends across borders and time zones—and into every community where we do business.

you get An AWARd- Winning stAteMent And WoRLd-cLAss Web site

Our understanding that a financial statement can be more

than just an end-of-the-month summary has been recog-

nized again in 2007 with DALBAR’s “Seal of Excellence.”

According to DALBAR, Inc., the nation’s leading financial

services research firm, our statement “provides an excellent

summary of the client’s assets, liabilities and cash flow in

an extremely clear ‘Balance Sheet’ page.”

Merrill Lynch also provides a convenient option for you

to receive our communications online instead of by paper

mail. You’re alerted by e-mail when your records are avail-

able, and then you can securely view, save or print state-

ments, prospectuses, shareholder communications, trade

confirmations, service notices and performance reports.

In addition, Merrill Lynch has made a considerable

investment to upgrade your total online experience in

2009. You’ll see a fresh Web site design on a brand-new

platform that will offer a better overall user experience.

More articles, research, video, product information and

educational materials, including content from some of the

best minds on the street, will all be at your fingertips.

youR Assets ARe sAfe At MeRRiLL Lynch

Client assets are kept separate and segregated

from the Firm’s proprietary assets in accordance

with strict regulatory requirements. In addition,

client assets are protected by safe securities-holding

practices, stringent regulatory compliance systems

and one of the strongest securities account protec-

tion programs in the world. Merrill Lynch remains

one of the largest financial services companies doing

business in the global marketplace today.

you WiLL undeRstAnd eXActLy WhAt you ARe pAying foR

Our fees are competitive and wholly transparent,

which should help you recognize that my advice

is not influenced by anything other than your best

interests. And because the clients of our combined

Firm entrust us with approximately $2 trillion in

assets, Merrill Lynch often enjoys “purchasing

power” as it relates to both the minimums and fees

of the investment management community. Our

combined worldwide network of approximately

20,000 Financial Advisors also allows us to

negotiate extremely favorable investment fees on

behalf of our clients. These savings are passed

on to you and all of our clients via transparent

fee structures.

n no. 1 on 2008 AnnuAL List of top WeALth MAnAgeRs in the u.s. foR seventh consecutive yeAR — Barron’s, October 13, 2008

n LARgest nuMbeR of finAnciAL AdvisoRs Who hoLd the ciMA® designAtion — Investment Management Consultants AssociationSM (IMCA®), October, 2008

n MoRe of ouR finAnciAL AdvisoRs WeRe Recognized in Barron’s “AMeRicA’s top AdvisoRs: stAte-by-stAte” List thAn Any otheR fiRM. — Barron’s, February 9, 2009

A LegAcy of LeAdeRship

Experience matters. We’ve been in the wealth manage-

ment business for nearly a century. And that’s the kind of

experience that gives us a perspective few in this

industry can match.

From educating prospects about investing in the 1930s

and 1940s—including special programs for women—

to leading Wall Street globalization in the 1960s; from

having its operations acclaimed by Time magazine in

1966 as “lead(ing) the Wall Street field by miles” to

introducing the revolutionary Cash Management

Account® in the 1970s; from being the first financial

firm ever to exceed $1 trillion in client assets in the

1990s to launching the Total Merrill platform in the

21st century; our Firm has been a leader in bringing

individuals into the investment process in the U.S.

and around the world.

The legacy grows with the combining of Merrill Lynch

and Bank of America. In addition to being one of the

largest retail brokers in the world, we are a leading

provider of global corporate and investment banking

services, including commercial lending, global high yield

debt, global equity and global mergers and acquisitions.

We can and will continue to honor our legacy by offering

you unsurpassed financial services.

n onLy finAnciAL seRvices fiRM to Receive A 2008 gLobAL LeAdeRship AWARd foR suppoRting the united nAtions “MiLLenniuM deveLopMent goAL” of univeRsAL pRiMARy educAtion — United Nations Association of the United States of America, October 1, 2008

n second-best finAnciAL seRvices fiRM in the top 50 coMpAnies foR diveRsity, RAnking seventh oveRALL — DiversityInc, June 2, 2008

Our diversified business model gives us a unique advantage in the global marketplace. Because of that, I can focus on giving you insightful, timely advice.

L-01-09

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a wholly owned subsidiary of Bank of America Corporation.Investment products provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated:

Investing in securities involves risk, and there is always the potential of losing money when you invest in securities.

Beyond Banking, Beyond Rewards, Cash Management Account, Merrill Lynch OnLine and Total Merrill (design) are registered service marks of Merrill Lynch & Co., Inc.

Total Merrill is a service mark of Merrill Lynch & Co., Inc.

IMCA is a registered trademark, and Certified Investment Management AnalystSM and Investment Management Consultants Association are service marks, of Investment Management Consultants Association Inc. and denote the highest quality of standards and education for financial professionals. CIMA is a registered certification mark of Investment Management Consultants Association.

Visa is a registered trademark of Visa International Service Association.

© 2009 Merrill Lynch, Pierce, Fenner & Smith Incorporated. Member Securities Investor Protection Corporation (SIPC). Printed in the U.S.A.

162607 Code 386315PM-0109

For more information, call (800) MERRILL (637-7455) or visit us online at www.totalmerrill.com.

The Total Merrill brand is used to refer to the broad range of brokerage, investment advisory (including financial planning), banking, trust, mortgage, and other financial services and products offered by Merrill Lynch. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill Lynch’s obligations will differ among these services.

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value