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JOB NUMBER 288766TYPEPAGE NO. 1OPERATOR JoelFM615208431Merrill Edge & YouJuly 2015Mutual Fund Disclosure Pamphlet AvailableMutual Fund Investing at Merrill Lynch provides informationabout the fees and expenses related to mutual funds availableat Merrill Lynch, as well as the compensation that Merrill Lynchearns with respect to those funds. This pamphlet also discussessales charge discounts and waivers that may be availablebased on the fund’s prospectus and/or statement of additionalinformation. Notify Merrill Lynch if you believe you qualify forany discounts or waivers. For a copy of this client disclosurepamphlet, please visit ml.com/funds.Notice to IRA, IRA Rollover, Roth IRA, SEP(IRA), SIMPLE (IRA) and BASIC Clients withStanding Distribution Instructions withregard to Your Right to Elect WithholdingAt this time, we would like to remind those clients taking preauthorized distributions that you can change your withholdingelection for future distributions at any time and as often as youwish by completing the appropriate federal and state tax withholdingforms, which can be obtained from a Financial Solutions Advisor or aMerrill Edge representative.If federal income taxes have been withheld from the distributions youare receiving from your retirement account, and if you do not wish tohave taxes withheld, you should notify a Financial Solutions Advisoror a Merrill Edge representative. However, if you elect not to havewithholding apply to your distributions or if you do not have enoughfederal income tax withheld from your distributions, you may beresponsible for payment of estimated tax. You may incur penaltiesunder the estimated tax rules if your withholding and estimated taxpayments are not sufficient.If federal income taxes are not being withheld from your distributionsfrom your retirement account because you have elected not to havewithholding apply and if you wish to revoke that election and havefederal income taxes withheld from your distributions, you shouldnotify a Financial Solutions Advisor or a Merrill Edge representative.In this issue:Page 1Mutual Fund DisclosurePamphlet AvailablePage 1Notice to IRA, IRA Rollover,Roth IRA, SEP (IRA), SIMPLE(IRA) and BASIC Clients withStanding D istribution Instructionswith regard to Your Right toElect WithholdingPage 2Attention clients who trade andhold non-US issued securitiesPage 2Attention: Merrill Edge AdvisoryCenter Clients enrolled in thePromotional Rate Tier or Tier 5Sweep through the Merrill LynchBank Deposit Program (MLBDP)Page 2Attention: Merrill Edge AdvisoryCenter Clients who convertedto CMA from Beyond Banking accountsPage 3Evaluating your retirementplan optionsPage 3Callable Securities/Proceduresfor a partial redemptionPage 3Protect Your Assets and AvoidEscheatmentPage 4Overdrafts1

JOB NUMBER 288766TYPEPAGE NO. 2OPERATOR JoelFAttention clients who trade and hold non-US issued securitiesIf you trade and hold non-US issued securities, youacknowledge and agree that Merrill Lynch or itsaffiliates may be required to disclose your name andother identifying information, including Social Securitynumber or tax identification number, to regulators(including taxing authorities) and/or issuers tocomply with local law and/or custom and practice.Effective August 1, 2015, your account agreement,as applicable, will be amended accordingly. If youhave questions, please contact your Merrill LynchFinancial Solutions Advisor.Attention: Merrill Edge Advisory Center Clients enrolled in thePromotional Rate Tier or Tier 5 Sweep through the Merrill LynchBank Deposit Program (MLBDP)Merrill Lynch historically has offered promotionalrates for the Merrill Lynch Bank Deposit Sweepprogram. When your account was enrolled,Merrill Lynch mailed a confirmation letter, outliningthe rules of the program.Those rules stated that annual percentage yieldson the MLBDP can change at any time. In addition,if the current or average monthly yield on yourstandard tier rate exceeds your promotional rate,your account will revert back to your standard tierrate effective the following calendar month, andthereafter, standard asset tiering rules will apply.This is a reminder notification for your informationonly, and there is no action for you to take as aresult. For additional information on asset tieringrules, including how your account asset tier isdetermined, please see your account agreement.Attention: Merrill Edge Advisory Center Clients who converted toCMA from Beyond Banking accountsIn 2013, Merrill Lynch introduced a series ofenhancements to your Cash Management Account (CMA account), providing you with more value andbenefits, such as fee reimbursements of up to 200per calendar year at U.S. ATMs and the eliminationof stop payment order fees on checks. FormerBeyond Banking accounts were converted toCMA accounts with no initial change to the annualaccount fee in 2014. However, these accounts willnow be subject to annual fees unless you qualify fora CMA annual account fee waiver.There are multiple ways to qualify for a CMA annualaccount fee waiver. The CMA annual account feewill be waived if you: ave 250,000 or more in eligible statementHlinked assets and meet certain criteria relatedto credit card spend, direct deposit or managedsolutions programs;* or ave 5 million or more in eligible statementHlinked assets*; or ave a certain fiduciary ownership type, such asHan irrevocable living trust or testamentary trust; or Are enrolled in a managed solutions program.2Former Beyond Banking accounts that do not qualifyfor an annual account fee waiver in 2015 will beassessed fees on the following schedule:Former Beyond Bankingaccount annual fee 0 75**CMA annualaccount fee 125 125Assessment dateSeptember 2015Account openinganniversary dateIf you have questions, or if you want to knowwhether your account qualifies for a fee waiver in2015, please speak to your Merrill Edge FinancialSolutions Advisor.*For full details about the CMA Annual AccountFee Waiver Program, please refer to your accountagreement or contact your Merrill Edge FinancialSolutions Advisor.**If you had one Beyond Banking Accountassociated with your CMA account, we did notassess a Beyond Banking annual account fee;however, additional Beyond Banking Accounts wereassessed 75.JOB NU

JOB NUMBER 288766TYPEPAGE NO. 3OPERATOR JoelFEvaluating your retirement plan optionsIf you’re a participant in an employer sponsoredretirement plan (“plan”), or have assets in one ormore former employer’s plans, you have choicesin terms of what to do with your assets in thoseplans. Your employers may have provided you witha list of those options, and one of your choices maybe to roll over your plan assets into an IndividualRetirement Account (IRA). You should carefullyconsider your options before choosing to roll overyour plan assets to an IRA. Before you decide whatto do, you should consider a variety of factors,including your age, available investment choices,differences in costs, services and fees, tax andwithdrawal implications, and legal ramificationsrelating to IRAs and plans. If you wish to speak withus one-on-one to see whether rolling over to an IRAis a suitable choice for you, call 1.877.653.4732.We understand that this is an important decisionfor you, and we are here to help you as you thinkthrough your options in the context of your overallgoals and objectives.Callable Securities/Procedures for a partial redemptionIf you hold securities with us that may be redeemedor called prior to maturity and a partial call occurs,a fair and impartial approach will be used amongimpacted clients to allocate the securities selectedto be called.For Merrill Lynch’s allocation procedures, pleasego to the following link or you may request ahard copy by contacting your Financial SolutionsAdvisor. n/pdf/GWMOL/PartialCallProcessNotice.pdfProtect Your Assets and Avoid EscheatmentThis information is being provided to you to help youprotect your assets not only at Merrill Lynch but atany other financial institution you may do businesswith. Escheatment is the process of transferring anowner’s assets to the state treasury due to lack ofcontact with the owner or the account being flaggedas “lost.” Some tips to keep in mind to protect yourassets are as follows: aintain an up-to-date list of all your financialMinstitutions you do business with and contactthem at least once per year. Contacting yourfinancial institutions annually confirms yourproperty is not abandoned. eep your address, phone number, email andKany other contact information up to date. Thisincludes notifying your businesses and financialinstitutions of any name changes. If your nameand/or address are not up-to-date, then mailmay be returned as undeliverable, and this couldlead to your account being flagged as lost. ash checks, no matter how small the amount.CCheck-cashing activity is generally consideredverification that your account is active. ote your proxy. Voting your proxy demonstratesVownership of your assets and that your propertyis not abandoned. espond to company notices regarding yourRassets. You may receive notice that your assetsare at risk of being escheated via mail ortelephone. Do not ignore these notices.Note: If a service provider contacts you regardingyour unclaimed property, you have the option touse the service or claim the asset by workingdirectly with your financial institution. ake sure your Executor or Beneficiary knowsMabout the securities you own and where yourfinancial assets are located. Your representativewill need to establish contact with all yourfinancial institutions in order to claim theproperty and avoid escheatment. isit your state’s unclaimed property websiteVand www.missingmoney.com to find out if anyof your property has already been escheated.You may be able to recoup all or a portion of theasset value if it has already been transferred tothe state. Visit the site for more information.For more information please contact your FinancialSolutions Advisor or service center where youraccount is located.3