Trade equities online . . .

Merrill Lynch Direct offers online trading for as little as $14 per trade.
(Full fee schedule)

Our service representatives are also available through a toll-free number, Monday through Friday, 8:00 a.m. to 7:00 p.m. Eastern Time, to enter trades or answer questions about our service.

Merrill Lynch helps you get the best price reasonably available when you buy or sell stocks by sending all our listed orders to the exchange where the stock is listed. Orders of at least 100 shares may receive a price that is better than the current bid or offer. Studies have shown that our clients save millions of dollars each year as a result of this practice.

Not sure what to buy or sell? Use our detailed Stock Scanner to find stocks meeting criteria you define.





Trade Options

Now, qualified clients enrolled in Merrill Lynch Direct can enroll for online option order entry. Depending upon approval, you can enter orders to sell covered equity calls, buy both equity and index puts and calls (to open) and corresponding closing transactions online. Click here for more information.

Note: Options involve risk and are not suitable for all investors.





Select from well-known fund families . . .

Merrill Lynch offers you over 3,000 mutual funds. We have funds that are right for virtually every investment objective and risk profile. We offer mutual funds from over 100 well-known fund families. These include load and no-load funds seeking growth, income, income and growth, tax-exempt income, among other objectives. Our Mutual Fund Finder can help you find the funds that match your investment goals. Click here for a complete listing of fund families available to you as a Merrill Lynch client.

The Automated Investment Program (AIPs) can help you achieve your long-term financial goals. You can invest in the funds of your choice at a fixed-dollar amount and the purchase frequency you select. The program allows you to take advantage of dollar cost averaging. As a result, you may lower your average cost per share and build a portfolio without trying to predict market cycles.*

Please read the prospectus which contains more information including sales charges, management fees, and other expenses. Always read the prospectus carefully before you invest or send money. Prospectuses are available throughout the site. You can also contact our toll-free number, (877) ML-Direct (653-4732) to request that a prospectus be mailed to you, or stop into the nearest Merrill Lynch branch office to pick up one. (Use our Branch Office Locator to find the office nearest you.)

* No investment program is risk free and a systematic investment plan does not assure profits or protect against loss in declining markets. This program is recommended for long-term investing in mutual funds. Since AIPs involves continuous investment in securities regardless of fluctuating prices, you should consider your financial ability to continue investing through periods of low price levels.





Choose bonds and CDs from our large fixed income inventory. . .

As a Merrill Lynch Direct client, you can purchase municipal & commercial bonds, certificates of deposit and government securities (Treasury bonds and agency bonds). Use our Bond and CD Finder to locate the bonds and CDs from Merrill Lynch’s inventory that meet your criteria; then place orders through a Merrill Lynch Direct Customer Services Associate. Because Merrill Lynch is one of the largest underwriters and distributors of these products, we can offer you a vast inventory from which to choose.





Participate in IPOs

Visit our online IPO Center, available exclusively to Merrill Lynch clients, to review and indicate your interest in initial public offerings. Long recognized as a global leader in equity underwriting, Merrill Lynch is a market leader in IPOs.

Clients must have minimum equity in their Merrill Lynch Direct account of $100,000 to participate. Because of high demand for IPOs, not all requests can be filled.





Receive timely stock research and opinions

As a Merrill Lynch Direct client, you will receive our free comprehensive research reports. Merrill Lynch is a top-rated research institution, providing equity, fixed-income, global investment and economic research. For the fourth consecutive year, Merrill Lynch has won the number one position in Institutional Investor magazine's "All-America Research Team Survey," and has held this position 18 times in the 28-year history of the survey. Merrill Lynch earned a total of 56 team positions, with 16 first-teamers represented. Merrill Lynch has won The Wall Street Journal's 1999 All-Star Analysts research survey for the third year in a row and its fourth victory in seven years (1993, 1997, 1998, 1999). We had 38 analysts honored, 15 for stock picks and 23 for earnings-estimate accuracy.

Subscribe to our free e-mail newsletter, Merrill Lynch News & Views , to receive regular e-mail messages with Merrill Lynch's "US 1" Stock List. The US 1 Stock List represents a collection of investment ideas selected by a committee of Merrill Lynch professionals, including fundamental equity research analysts, investment strategists and research managers. The list is chosen from a universe of U.S. stocks that Merrill Lynch has rated "Buy."





Electronic Delivery

You receive all of the following by e-delivery:
  • Shareholder Notices
  • Service Notices
  • Trade Confirmations
    		•
  • Prospectuses
  • Statements
  • Tax Reports
    		•

    Simple
    Set up all your delivery preferences in one place. Once enrolled in e-delivery, you will get an email notification when anything you receive electronically is available online.

    Flexible
    Get your information your way - even customize the parts of your statement you want to receive in the mail versus electronically.

    Secure
    E-delivery may be safer than your mailbox.

    Getting Started
    Getting Started is easy - sign up can be completed in under 2 minutes.





    Monitor your portfolio

    With Merrill Lynch Direct, you can view a comprehensive account summary that shows the portfolio value, cash balance, and securities held in all of your Merrill Lynch accounts. You can click a highlighted account number to view more detailed information for a particular account, such as portfolio holdings and valuations, realized and unrealized gains or losses and cost basis. You can even compare your asset allocation to model portfolios prepared by Merrill Lynch professionals for a variety of investing goals.





    Open an account with low initial investment

    Merrill Lynch Direct makes it easy to get started with a low minimum investment of $2,000 to open a Cash Management Account® or $250 to open an Individual Retirement Account. Click here for more information about account opening, funding and fees.





    Manage your money wisely . . .

    With Merrill Lynch Direct, you can open a Cash Management Account® (CMA® account) or an Individual Retirement Account (IRA).

    The CMA account is a powerful financial management tool that allows you to manage a wide range of investments while giving you easy access to your assets. On a weekly basis, the CMA account automatically sweeps idle cash into a Money Market Deposit Account (MMDA), while letting you make purchases against the account through a Visa® debit card (Classic or Signature) or checks.

    The CMA Visa SignatureSM card* offers the most extensive travel and rewards program of any Visa card available today. Points earned in the rewards program can be used on any airline, anytime, anywhere, with no blackout dates. In addition, points can be redeemed for valuable merchandise and other travel services. You can earn points every time you use your card to make a purchase.

    You can also sign up for our convenient electronic bill payment service**, Web Bill Pay, to pay your bills online without stamps, envelopes, or trips to the post office.

    Alternatively, you can use Merrill Lynch Direct to open an Individual Retirement Account (IRA) or Roth IRA. Furthermore, if you are retiring, changing jobs or separating from an employer for other reasons (such as a merger or buyout), you may be required-or wish-to distribute some or all of the assets in your employer-sponsored retirement plan. You can distribute them into a Merrill Lynch Individual Retirement Rollover Account (IRRA®) through Merrill Lynch Direct.

    * Additional fee of $95.00 per year.
    ** Additional fee of $7.50 per month.





    Make decisions with online financial tools

    With Merrill Lynch Direct, you get the tools to make investment decisions that are right for you. Use our Stock, Fixed-Income, and Mutual Fund Scanners to search for securities that meet your criteria. Use our extensive research, news, and information resources to discover and analyze opportunities. Monitor your accounts with our integrated account summary and detailed online account information.




     

     

    Business Continuity Statement      Software Requirements     Important Legal and Trademark Notices

    Diversification, asset allocation, and rebalancing do not assure a profit or protect against loss in declining markets.

    Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance is no guarantee of future results.

    		Merrill Lynch Wealth Management

    Any information presented about tax considerations affecting client financial transactions or arrangements is not intended as tax advice and should not be relied upon for the purpose of avoiding any tax penalties. Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.

    System availability and response time are subject to market conditions and possible unscheduled outages.

    Merrill Lynch Wealth Management is the marketing name for the services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated and other subsidiaries of Bank of America Corporation. Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer and a wholly owned subsidiary of Bank of America Corporation.

    Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency.

    Bank of America, N.A., U.S. Trust Company of Delaware, Merrill Lynch Life Agency Inc. and MLPF&S, a registered broker-dealer and Member SIPC, are wholly owned subsidiaries of Bank of America Corporation.

    Investment and insurance products:
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    Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity


    MLPF&S and Merrill Lynch Trust Company make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest, including Columbia Management, BlackRock and Nuveen Investments.

    © Copyright 2010 Merrill Lynch, Pierce, Fenner & Smith Incorporated. All rights reserved. Member, Securities Investor Protection Corporation (SIPC).