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Agreements & Disclosures

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 Global Privacy Pledge

Federally Required Affiliate Marketing Notice

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

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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:

Are Not FDIC Insured	Are Not Bank Guaranteed	May Lose Value
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).