Agreements and Disclosures Applicable to the Merrill Lynch DirectService When you enroll in the Merrill Lynch Direct service, you agree to certain terms of use and, as applicable, certain agreements/disclosures:

Merrill Lynch Direct Agreements and Disclosures:

All Accounts
• Merrill Lynch Client Relationship Agreement
  
• Merrill Lynch Direct Terms of Service
  
• Fees and Commissions
  
• Important Disclosures about Your Account
  
• Information about Your Merrill Lynch Statement
  
  Merrill Lynch Direct Cash Management Accounts
• Merrill Lynch Direct Cash Management Account® Agreement
  
• Merrill Lynch Direct Cash Management Account Program Description
  
• Bank Deposit Account Fact Sheet for Merrill Lynch Direct Cash Management Accounts
  
• Margin Lending Program Truth in Lending Disclosure Statement
  
• Margin Client Agreement
  
  Retirement Accounts
• Disclosure and Custodial Agreement for Traditional Individual Retirement Account (IRA)
  
• Disclosure and Custodial Agreement for Roth Individual Retirement Account (Roth IRA)
  
  Optional Services
• Web Bill Payment Service Agreement and Disclosures
  
• Quicken Bill Payment Service Agreement
• Characteristics and Risks of Standardized Options
  
• Options Clearing Corporation Prospectus
• Options Agreement