Merrill Edge: Products & Solutions

	Standard	Preferred	Superior
Online commission per trade	$8.95	$6.95	$4.95
$0 Online Equity Trades Up to 30 trades per calendar month	Just meet one of the following criteria: Total combined balances of $25,000 or more in your Bank of America, N.A. deposit accounts: Checking, savings, FDIC-insured CDs, FDIC-insured IRAs or Total combined balances of $25,000 or more in cash balances in your Merrill Edge self-directed or Advisory Center account(s): Bank Deposit Accounts sweep option with your CMA or Retirement Assets Savings Program (RASP) sweep with your IRA or U.S. Trust client
Representative-assisted	$75.00	$50.00	$50.00
Automated telephone	$32.50	$32.50	$32.50

No Load/No Transaction Fee Funds	No charge
Merrill Lynch Short-Term Redemption fee if held less than 180 days	0.75% gross proceeds $50 minimum, $250 maximum
Load Funds	See prospectus for fund's sales charges No transaction fees
Intra-family exchange	No charge

U.S. Treasury: Bills, Notes, Bonds	Price and yield as quoted
Agency: Discount, Notes, Bonds
Zero Coupon Bonds: Corporate, Government, Agency
Municipal Bonds
Corporate Bonds
Brokered Certificates of Deposit

CMA account maintenance fee	$25 per quarter, per household. Waived if the client meets just one of the following criteria: Has total combined balances of $50,000 or more in MLPF&S investment accounts and Bank of America, N.A. deposit accounts Or, Executes 60+ trades per year / 15+ trades per quarter in one or more self-directed accounts Or, Is a U.S. Trust client
Minimum deposit for CMA Accounts	$2,000.00 (Cash or Securities)
Merrill Lynch Visa Signature Card Fee (Optional)	$95.00
Account Transfer Fee	$95.00

Minimum deposit to open	$250.00
Annual Custodial Fee	None
Account Transfer Fee	$75.00
Overnight Mail (for mandatory distributions only)	None
Closeout Fee	$75.00

Effective September 21, 2009 the new ML Base Lending Rate is 5.250% - a decrease of 0.250%. Subsequently, margin interest rates now range from 4.500% - 8.625%. Employee accounts will receive an interest rate of BLR + 0.875%, for amounts up to $500,000. All amounts above $500,000 will receive the published rates below.
Loan Amount	BLR Spread
Less than $25,000	+3.375
$25,000 - $99,999	+2.250
$100,000 - $499,999	+0.875
$500,000 - $999,999	+0.625
$1,000,000 - $4,999,999	0.000
$5,000,000 - $9,999,999	-0.500
$10,000,000 +	-0.750
The BLR rate fluctuates with current market conditions.

Checking	Free
Additional Check Printing	Free
Cancelled Check Fee	$3.00
Trade Confirmation Copy Request	$3.00
Return Check Fee	$30.00
Returned ACH Debit Fee	$30.00
Stop Payment Fee	$25.00
ATM Transaction Fee	$1 per transaction
Return Deposits	$20.00
Visa® International Transaction Fee	2% of the U.S. dollar amount of all transactions occurring outside the U.S. that are submitted to Visa in a currency other than U.S. dollars
Cash Advance Fee (Non-ATM)	0.25% of principal ($2.50 minimum)
Wire Transfer Fee (Fed Funds - Domestic)	$30.00
Wire Transfer Fee (Fed Funds - International)	$40.00
Legal Transfer Fee	$50.00
Register & Ship (Delivery Non-Government Security)	$500.00
Overnight Mail Request	$25.00
Municipal Bond Coupon Processing	$5.00
Government Security Transfer Fee	$125.00
FTS Return	$10.00
Past Due Exchanges	$50.00
Past Due Redemptions	$50.00
Mandatory Exchange Fee	$50.00
Optional Exchange Fee	$30.00
Statement Requests	$5.00 per statement
Fractional Share Fee Liquidation	10% of proceeds from sale
ATM transaction fee: Visa Signature cardholders: the first 52 transactions are free; $1 per transaction thereafter. Some ATM owners/operators may charge a fee for the use of their machines. Note: the above fees and charges are subject to change in accordance with the Merrill Edge self-directed investing terms of service.

Which service option is right for you?

	Invest On Your Own	Invest with Team of Advisors
Definition	You prefer to invest on your own, directly managing your money and making all investment decisions.	You prefer to invest with guidance from our team of financial advisors who can offer a holistic view of your financial situation
Advice & Planning	Online tools, calculators and extensive research are available to help you with invest with confidence.	Our team of financial advisors will consult with you over the phone and offer personalized advice tailored for your unique needs.
Accounts	All account types with the exception of 529 Accounts.	All account types
Investments	All investment choices	All investment choices
Pricing	No annual fees are applied to your accounts. Trades can be executed for as little as $0, depending on your investment level and account you hold. Please see pricing guide for full details.	Fees and commisions are based on your account types and relationship with Merrill Lynch. Please set up a consultation to learn more
	Open an Account	Schedule a Consultation

Qualifying Criteria
Meet just one of the following criteria:	Standard	Preferred	Superior
Total combined balances in Merrill Lynch investment accounts and Bank of America, N.A. deposit accounts	$0 up to $250,000	$250,000 up to $1 million	$1 million+
or, Trades per Year / per Quarter	0-119 / 0-29	120+ / 30+	240+ / 60+
or, U.S. Trust client	n/a	n/a
Review Commissions

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Pricing