A Guide to Your Merrill Lynch Statement

A Guide to Your Merrill Lynch Statement Understanding features and benefits tracking progress As a Merrill Lynch client, you receive a user-friendly monthly statement that gives you a snapshot of where you stand financially across both sides of your balance sheet and within each Merrill Lynch account and product type. While the Merrill Lynch statement is simple by design and intended to be easy to read, we ve prepared this guide to explain its features and benefits and to answer any questions you might have. You can view your statements, your trade confirmations and this guide online. And you can print your statements or save them to your computer or CD. To opt for online delivery and convenient e-mail alerts, visit www.mymerrill.com TM. Inside Statement Structure 2 Key Information 4 - Summary Pages 4 - Account Detail Pages 6 Additional Statement Features 11 Additional Client Reporting 12

.92.94.95.92.93.94.93.95.97 0007254 020 7954 0007254 020 7954 1.16 000000000000000000 0000000000000 0007254 020 7954 0007254 020 7954 Statement Structure Your Merrill Lynch statement is structured to make it easy to locate information. It s based on up to five summary pages, supported by account detail pages. Shown here is a map of the Merrill Lynch statement. Not all clients will receive all the summary pages. Summary Pages JOHN Q CUSTOMER AND MARY CUSTOMER 123 ANY STREET APT 1A ANYTOWN, ST 12345-6789 Need Investment Guidance? Call Your Financial Advisor Your Financial Advisor: JOHN Q ADVISOR 456 ANY STREET ANYTOWN, ST 12345-6789 john_advisor@ml.com (000) 000-0000 If you have questions on your statement, call 24-Hour Assistance: (800) MERRILL (800) 637-7455 Primary Account: 1X1-45678 YOUR MERRILL LYNCH REPORT December 01, 2009 - December 31, 2009 PORTFOLIO SUMMARY December 31 November 30 Month Change Net Portfolio Value $1,167,031.65 $1,015,224.90 $151,806.75 Your Assets $1,169,231.65 $1,015,224.90 $154,006.75 Your Liabilities ($2,200.00) Your Net Cash Flow (Inflows/Outflows) ($305.48) ($1,324.01) Securities You Transferred In/Out Subtotal Net Contributions ($305.48) ($1,324.01) Your Dividends/Interest Income $732.21 $1,202.21 Your Market Change $151,380.02 $42,381.00 Subtotal Investment Earnings $152,112.23 $43,583.21 Net Portfolio Value (in millions), 2004-2009.99 1.01 Up-to-date account information can be viewed at: www.mymerrill.com, where your statements are archived for three or more years. 4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09 Questions about mymerrill.com? Click the help *Link relationship change. tab at the top of the screen once you log in. Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details. INFORMATION AT YOUR FINGERTIPS, NOT IN YOUR MAILBOX Did you know you can receive this statement and many other Merrill Lynch communications electronically, instead of in the mail? E-delivery through My Merrill is a fast, flexible, safe way to reduce paper mail. Visit www.mymerrill.com to enroll today. Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation. 24-Hour Assistance: (800) MERRILL YOUR ACCOUNTS December 01, 2009 - December 31, 2009 Account No. Account Type/Managing Firm December 31 November 30 Page BEYOND BANKING Beyond Banking marketing message displayed here. INVESTMENTS 1 JOHN Q CUSTOMER AND 1X1-45678 CMA 1,149,820.53 996,170.24 6 1 This account has a margin debit balance. Please see the enclosed account statement for details. RETIREMENT JOHN S RETIREMENT 2X1-56789 IRA 17,211.12 19,054.66 20 CREDIT & LENDING JOHN Q CUSTOMER AND 0000000000 Mortgage as of 07/29/09 (183,612.50) (185,972.50) JOHN Q CUSTOMER AND 0000000000 Home Equity as of 07/29/09 Available Credit: 200,000.00 Subtotal (183,612.50) (185,972.50) Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. Previous month s mortgage and home equity balances are not as of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement. ESTATE PLANNING SERVICES Estate Planning Services marketing message displayed here. SOLUTIONS FOR BUSINESS Business Financial Marketing Message displayed here. All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see footnote 14 on the last page of this statement for more information. These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying accounts may have different owners and use of you or your in these reports refer to all owners. The enclosed separate account statements are the official record for each account. 1 of 27 2 of 27 Your Merrill Lynch Report Integrates Assets and Liabilities in one view Highlights changes in Portfolio Summary including net cash flow, security deposits/ withdrawals and market change Displays trends over the past five years plus the current year Provides information on opportunities to obtain investment guidance Your Accounts Presents a top-level overview of your individual accounts Includes all product categories, from Retirement to Solutions for Business Account Detail Pages (CMA account shown as an example. Pages to be repeated for all accounts.) Online at www.mlol.ml.com 24-Hour Assistance: (800) MERRILL THIS IS A LINE OF 30 CHARACTER Net Portfolio Value: $65,522,768.00 JOHN Q CUSTOMER Your Financial Advisor: 123 ANY STREET ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXX ANYTOWN, ST 12345-6789 ADDRESS 1 UP TO 30 CHARACTERS TO ACCOMODATE MAXIMUM OF ADDRESS 2 UP TO 30 CHARACTERS 6 LINES TOTAL DEPTH robert_advisor@ml.com (000) 000-0000 CMA ACCOUNT December 01, 2009 December 31, 2009 ASSETS December 31 November 30 CASH FLOW This Statement Year to Date Cash/Money Accounts 7,198,635.00 11,927,556.00 Opening Cash/Money Accounts 152,340.00 Fixed Income 34,548,719.00 34,562,616.00 CREDITS Equities 15,395,162.00 9,365,390.00 Funds Received 10,000.00 1,725,482.77 Mutual Funds --- --- Electronic Transfers 100,000.00 159,000.00 Options 14,000.00 --- Other Credits 2,500.00 5,631.86 Other 8,409,954.00 8,313,954.00 Subtotal 112,500.00 1,890,114.63 Alternative Investments --- --- DEBITS Subtotal (Long Portfolio) --- --- Electronic Transfers (41,000.00) (843,000.00) Estimated Accrued Interest 346,297.00 445,170.00 Margin Interest Charged (3,734.00) (6,789.00) Life Insurance/Annuities --- --- Other Debits (2,766.00) (364,847.07) TOTAL ASSETS $65,522.768.00 $64,464,687.00 Visa Purchases (debits) (26,.97) ATM/Cash Advances (3,500.00) Checks Written/Bill Payment (83,887.71) LIABILITIES Subtotal (47,500.00) (1,328,025.75) Margin Loan/Debit Balance --- --- Short Market Value (390,000.00) (150,000.00) Net Cash Flow $65,000.00 $562,088.88 Dividends/Interest Income 20,000.00 139,543.90 TOTAL LIABILITIES ($390,000.00) ($150,000.00) Dividend Reinvestments (468.52) (2,811.12) Security Purchases/Debits (25,974.00) (636,540.22) NET PORTFOLIO VALUE $65,522,768.00 $64,464,687.00 Security Sales/Credits 51,911.04 411,540.22 This account is pledged as collateral for Loan Management Account # XXX-XXXXX. Closing Cash/Money Accounts $262,808.52 Securities You Transferred In/Out 35,000.00 303,415.46 Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL ACCOUNT INVESTMENT OBJECTIVE December 01, 2009 - December 31, 2009 TOTAL RETURN: Objective is to strike a balance between fixed-income instruments for current income and equities for growth. Despite the relatively balanced nature of the portfolio, the investor should be willing to assume the risk of price volatility and principal loss. If you have changes to your investment objective, please contact your Financial Advisor(s). YOUR CMA BANK DEPOSIT INTEREST SUMMARY Average Current Interest on Closing Money Account Description Opening Balance Deposit Balance Yield% Deposits Balance FIA Card Services, N.A. 98,010 98,010 3.01 344.75 122,369 Bank of America RI, N.A. 0 3,010 3.01 15.50 4,024 TOTAL ML Bank Deposit Program 98,010 $360.25 126,39 ITEMS FOR ATTENTION Security Message Date Security Message Date EMC CORPORATION MASS Opinion Upgraded PFIZER INC DEL PV $0.05 Opinion Downgraded JPM 0027 7/2 Option Expiring 12/10/09 YOUR CMA ASSETS CASH/MONEY ACCOUNTS Total Estimated Estimated Estimated Est. Annual Description Quantity Cost Basis Market Price Market Value Annual Income Yield% CASH 1.00 1.36 ML BANK DEPOSIT PROGRAM 126,393 126,393.00 1.0000 126,393.00 3,804 3.01 TOTAL 126,394.00 126,394.36 3,804 3.01 6 of 27 000000000000000000 0000000000000 7 of 27 Account Summary includes: Assets, Liabilities and Cash Flow for each individual account Delivers details on: Account Investment Objective Bank Deposit Interest Summary Items for Attention Your Assets 2 Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

(1) Secured by assets in a Merrill Lynch account 0007254 020 7954 0007254 020 7954 000000000000000000 0000000000000 YOUR CMA TRANSACTIONS December 01, 2009 - December 31, 2009 $8,000 $2,000 $0 0007254 020 7954 000000000000000000 0000000000000 0007254 020 7954 But to receive those for which you qualify, you should first make sure that you have linked your Merrill Lynch accounts. This will allow you to receive all your brokerage account statements in one envelope, as well as potentially increase the number of summary pages you may receive. YOUR BALANCE SHEET (for your ML accounts) December 01, 2009 - December 31, 2009 ASSETS CASH FLOW December 31 November 30 This Report Year to Date Cash/Money Accounts 128,850.48 102,564.90 Opening Cash/Money Accounts 102,564.90 Fixed Income 205,419.97 150,000.00 CREDITS Equities 300,325.00 299,110.00 Funds Received 4,487.73 1,725,482.77 Mutual Funds 64,484.10 Electronic Transfers 13,800.00 59,000.00 Options Other Credits 250.00 5,631.86 Other Subtotal 18,537.73 1,790,114.63 Alternative Investments 10,000.00 DEBITS Subtotal (Long Portfolio) 709,079.55 551,674.90 Electronic Transfers (15,600.00) (52,900.00) Estimated Accrued Interest 664.00 5,550.00 Margin Interest Charged Life Insurance/Annuities 459,488.10 458,000.00 Other Debits (2,766.23) (364,847.07) TOTAL ASSETS $1,169,231.65 $1,015,224.90 Visa Purchases (debits) (169.93) (26,.97) ATM/Cash Advances (254.00) (3,500.00) Checks Written/Bill Payment (53.05) (867,255.71) LIABILITIES Subtotal (18,843.21) (1,314,504.75) Margin Loan/Debit Balance Net Cash Flow (305.48) $475,609.88 Short Market Value (2,200.00) Dividends/Interest Income 732.21 5,109.20 Subtotal (2,200.00) Dividend Reinvestments (138.00) (276.00) Security Purchases/Debits 475,609.88 NET PORTFOLIO VALUE $1,167,031.65 $1,015,224.90 Security Sales/Credits 25,996.85 303,415.46 Closing Cash/Money Accounts $128,850.48 OTHER LIABILITIES (not included in Net Portfolio Value) Securities You Transferred In/Out (42,456.78) Loan Management Account (1) Mortgages (183,612.50) (185,972.50) Home Equity Loans Business Loans (4,000.00) (4,350.00) Subtotal (187,612.50) (190,322.50) TOTAL LIABILITIES ($189,812.50) ($190,322.50) 24-Hour Assistance: (800) MERRILL YOUR PORTFOLIO REVIEW December 01, 2009 - December 31, 2009 ASSET ALLOCATION* Estimated Accrued Interest not included May not reflect all holdings Percent Other 40% Equities 27% Fixed Income 21% Cash/Money Accounts 11% Alternative Investments 1% TOTAL 100% * Includes the categorical values for the underlying portfolio of individual mutual funds, closed end funds, and UITs BOND MATURITY SCHEDULE Does not include Fixed Income Mutual Funds % of Total Estimated Maturity Years Bond Assets Par Value Market Value 1 2 27% 40,000 42,300.00 2 5 58% 85,000 89,953.97 10 15 15% 80,000 23,666.00 Total 100% 205,000 $155,919.97 CURRENT INCOME Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec This Report Year To Date Tax-Exempt Interest 232.50 1,818.03 Taxable Interest 360.25 2,432.06 Tax-Exempt Dividends 1.46 58.06 Taxable Dividends 138.00 801.00 Total $732.21 $15,109.14 Estimated Annual Income $18,676.00 TOP FIVE PORTFOLIO HOLDINGS Based on Estimated Market Value % of Current Value Portfolio Lowes Companies 214,200.00 18.51% ML Bank Deposit Program 126,393.00 10.92% Hawaii St. Hsg Fin & Dev 89,953.97 7.77% Hewlett Packard Co Del 71,370.00 6.17% Hawaiian Electric Inc 49,500.00 4.28% YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW December 01, 2009 - December 31, 2009 INCOME SUMMARY This Report Year to Date Tax- Tax- Total Tax- Tax- Total Exempt Taxable Exempt Taxable This Report Exempt Taxable Exempt Taxable YTD Account No. Interest Interest Dividends Dividends» Income Interest Interest Dividends Dividends Income Non-Retirement 1X1-45678 233 360 449 1,042 1,818 2,432 957 5,207 Subtotal 233 360 449 1,042 1,818 2,432 957 5,207 Retirement 2X1-56789 1 1 58 58 Subtotal 1 1 58 58 TOTAL $233 $360 $1 $449 $1,043 $1,818 $2,432 $58 $957 $5,265» Dividends may include long term capital gain distributions. GAIN/(LOSS) SUMMARY Long Term Capital Realized Gains/(Losses) Gain Distributions Unrealized Gains/(Losses) This Report YTD This Report YTD Account No. Short Term Short Term Long Term Long Term Year To Date Short Term Long Term Non-Retirement 1X1-45678 6,294.66 26,000.00 2,940.61 11,762.44 956.82 45,548.00 Subtotal 6,294.66 26,000.00 2,940.61 11,762.44 956.82 45,548.00 Retirement 2X1-56789 N/A 10,871.00 Subtotal N/A 10,871.00 TOTAL $6,294.66 $26,000.00 $2,940.61 $11,762.44 $956.82 $56,419.00 3 of 27 4 of 27 5 of 27 Your Balance Sheet Shows both Assets and Liabilities Includes Loan Management Account and mortgage account values Cash Flow section has a comprehensive list of credits and debits including a true net cash flow value Your Portfolio Review Features an Asset Allocation chart and a Current Income graph Highlights important data about your top five holdings Fixed income security holders will receive a Bond Maturity Schedule Financial Market Indicators and marketing messages may be included for some accounts Your Monthly Income & Gain/(Loss) Review Provides Income Summary and Gain/(Loss) Summary for each account in your portfolio Offers information on interest and dividends earned for the current reporting period and year to date Summarizes realized and unrealized gains and losses JOHN Q CUSTOMER AND YOUR CMA ASSETS December 01, 2009 - December 31, 2009 CDs/EQUIVALENTS Adjusted/Total Estimated Estimated Unrealized Estimated Estimated Current Description Acquired Quantity Cost Basis Market Price Market Value Gain/(Loss) Accrued Interest Annual Income Yield% + CD AMERICAN NTL BK & TRST 12/14/01 40,000 40,492.00 105.7500 42,300.00 1,808.00 258.00 2,567 6.07 CHICAGO, ILLINOIS 06.950% DEC 28 2008 CUSIP: 12345689 YTD PREMIUM AMORTIZATION: 67.00 TOTAL 40,000 40,492.00 42,300.00 1,808.00 258.00 2,567 6.07 GOVERNMENT AND AGENCY SECURITIES Adjusted/Total Estimated Estimated Unrealized Estimated Estimated Current Description Acquired Quantity Cost Basis Market Price Market Value Gain/(Loss) Accrued Interest Annual Income Yield% + GNM P246518 09 50% 2020 09/07/90 60,000 3,263.00 110.0000 3,589.00 326.00 26.00 314 8.75 CUSIP: 123456789 AMORTIZED FACTOR 0.054385870 AMORTIZED VALUE 3263 ORIGINAL UNIT/TOTAL COST: 100.00/600.00 TOTAL 60,000 3,263.00 3,589.00 326.00 26.00 314 8.75 CORPORATE BONDS Adjusted/Total Estimated Estimated Unrealized Estimated Estimated Current Description Acquired Quantity Cost Basis Market Price Market Value Gain/(Loss) Accrued Interest Annual Income Yield% NM BANK AMERICA CORP BE 03/26/01 20,000 20,000.00 100.3850 20,077.00 77.00 55.00 1,309 6.52 CUSIP: 123456784 15DEC18 MTLY-PAY 06.550% FIXRATE MOODY S: AA3 S&P: A< CALL PRICE: 100.00 CALL DATE: 12/15/09 TOTAL 20,000 20,000.00 20,077.00 77.00 55.00 1,309 6.52 MUNICIPAL BONDS Adjusted/Total Estimated Estimated Unrealized Estimated Estimated Current Description Acquired Quantity Cost Basis Market Price Market Value Gain/(Loss) Accrued Interest Annual Income Yield% HAWAII ST HSG FIN & DEV 06/24/98 85,000 85,000.00 105.8282 89,953.97 4,953.97 325.00 4,030 4.48 CRP SFM PUR REV SR A AMT JUN98 04.750%DEC01 08 MOODY S: AAA S&P: AAA CUSIP: 123456785 RESET RATE: 100.000 RESET DATE: 12/11/09 TOTAL 85,000 85,000.00 89,953.97 4,953.97 325.00 4,030 4.48 JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued) Income Date Transaction Type Quantity Description Reinvestment Income Year To Date Subtotal (Interest) 360.25 2,432.05 12/22 Lg Tm Cap Gain» LOWE S COMPANIES INC 138.00 12/22 Reinvestment LOWE S COMPANIES INC (138.00) 12/22 * Dividend LOWE S COMPANIES INC 234.00 12/22 Reinvestment LOWE S COMPANIES INC (234.00) 12/22 Lg Tm Cap Gain» BLACKROCK GLOBAL ALLOC 311.01 HOLDING 1301.9370 QUAL DIV 311.01 PAY DATE 12/05/2009 12/22 Divd Reinvestment 3 LOWE S COMPANIES INC REINV AMOUNT $138.00 REINV PRICE $46.00 QUANTITY BOUGHT 3.00 Subtotal (Dividends) 683.01 1,112.01 NET TOTAL 1,041.76 5,362.09» Long Term Capital Gain Distributions 449.01 956.82 The long-term capital gain distribution amounts may change due to income reclassification information provided by the issuer. In particular, distributions made by Mutual Funds, REITs and UITs often need to be reclassified as a different type of distribution (including long-term capital gain distributions) after the end of the year in which the distribution was originally paid. SECURITY TRANSACTIONS Unit Accrued Interest Date Description Transaction Type Quantity Price Debit Credit Earned/(Paid) 12/15 AUTOMATIC DATA PROC Sale -400 8.6435 3,457.40 CUS NO 053015103 12/18 AUTOMATIC DATA PROC Sale -100 38.7300 3,873.00 CUS NO 053015103 12/22 SUN MICROSYSTEMS INC COM Sale -100 86.6645 8,666.45 Subtotal (Sales) 15,996.85 Note: Specific detail sections may not appear in all statements, depending on account type, holdings and activity. 8 of 27 15 of 27 Your Assets Delivers a comprehensive listing of assets in your account by category: Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments Your CMA Transactions: Provides detail on Income, Security Transactions, Securities You Transferred In/Out (if applicable), and Realized Gains/(Losses) 3

000000000000000000 0000000000000 1 Key Information In the pages that follow, we ll take you on a guided tour of your statement and show you some of the key features and benefits. Summary Pages Your Merrill Lynch Report This page shows your personal balance sheet your Merrill Lynch Assets and Liabilities in one view. JOHN Q CUSTOMER AND MARY CUSTOMER 123 ANY STREET APT 1A ANYTOWN, ST 12345-6789 Need Investment Guidance? Call Your Financial Advisor Your Financial Advisor: JOHN Q ADVISOR 456 ANY STREET ANYTOWN, ST 12345-6789 john_advisor@ml.com (000) 000-0000 Primary Account: 1X1-45678 YOUR MERRILL LYNCH REPORT December 01, 2009 - December 31, 2009 PORTFOLIO SUMMARY December 31 November 30 Month Change Net Portfolio Value $1,167,031.65 $1,015,224.90 $151,806.75 Your Assets $1,169,231.65 $1,015,224.90 $154,006.75 Your Liabilities ($2,200.00) 1 Your Net Cash Flow (Inflows/Outflows) ($305.48) ($1,324.01) Securities You Transferred In/Out Subtotal Net Contributions ($305.48) ($1,324.01) Your Dividends/Interest Income $732.21 $1,202.21 Your Market Change $151,380.02 $42,381.00 Subtotal Investment Earnings $152,112.23 $43,583.21 Net Portfolio Value (in millions), 2004-2009 Portfolio Summary Highlights changes in Portfolio Summary including Net Cash Flow, Securities Deposits/Withdrawals and Market Change. If you have questions on your statement, call 24-Hour Assistance: (800) MERRILL (800) 637-7455 1.16.99 1.01.97.95.94.95.92.93.94.93 Up-to-date account information can be viewed.92 at: www.mymerrill.com, where your statements are archived for three or more years. 4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09 Questions about mymerrill.com? Click the help *Link relationship change. tab at the top of the screen once you log in. Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details. INFORMATION AT YOUR FINGERTIPS, NOT IN YOUR MAILBOX Did you know you can receive this statement and many other Merrill Lynch communications electronically, instead of in the mail? E-delivery through My Merrill is a fast, flexible, safe way to reduce paper mail. Visit www.mymerrill.com to enroll today. Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation. Net Portfolio Value The line chart displays trends over the past five years plus the current year. 0007254 020 7954 1 of 27 Your Accounts This summary page lists all your linked accounts. Open 24/7 Our 24-hour assistance number appears prominently on every other page. Your statement also features contact information for your Merrill Lynch Financial Advisor. Your Balance Sheet This page clearly presents your Assets and Liabilities, demonstrating the value of consolidating and integrating asset management with debt management. YOUR ACCOUNTS December 01, 2009 - December 31, 2009 BEYOND BANKING Beyond Banking marketing message displayed here. Account No. Account Type/Managing Firm December 31 November 30 Page INVESTMENTS JOHN Q CUSTOMER AND 1X1-45678 1 CMA 1,149,820.53 996,170.24 6 1 This account has a margin debit balance. Please see the enclosed account statement for details. RETIREMENT JOHN S RETIREMENT 2X1-56789 IRA 17,211.12 19,054.66 20 CREDIT & LENDING JOHN Q CUSTOMER AND 0000000000 Mortgage as of 07/29/09 (183,612.50) (185,972.50) JOHN Q CUSTOMER AND 0000000000 Home Equity as of 07/29/09 Available Credit: 200,000.00 Subtotal (183,612.50) (185,972.50) Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. Previous month s mortgage and home equity balances are not as of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement. ESTATE PLANNING SERVICES Estate Planning Services marketing message displayed here. SOLUTIONS FOR BUSINESS Business Financial Marketing Message displayed here. ASSETS 0007254 020 7954 24-Hour Assistance: (800) MERRILL All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see footnote 14 on the last page of this statement for more information. These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying accounts may have different owners and use of you or your in these reports refer to all owners. The enclosed separate account statements are the official record for each account. YOUR BALANCE SHEET (for your ML accounts) December 01, 2009 - December 31, 2009 December 31 November 30 Cash/Money Accounts 128,850.48 102,564.90 Fixed Income 205,419.97 150,000.00 Equities 300,325.00 299,110.00 Mutual Funds 64,484.10 Options Other Alternative Investments 10,000.00 Subtotal (Long Portfolio) 709,079.55 551,674.90 Estimated Accrued Interest 664.00 5,550.00 Life Insurance/Annuities 459,488.10 458,000.00 TOTAL ASSETS $1,169,231.65 $1,015,224.90 LIABILITIES Margin Loan/Debit Balance Short Market Value (2,200.00) Subtotal (2,200.00) NET PORTFOLIO VALUE $1,167,031.65 $1,015,224.90 OTHER LIABILITIES (not included in Net Portfolio Value) Loan Management Account (1) Mortgages (183,612.50) (185,972.50) Home Equity Loans Business Loans (4,000.00) (4,350.00) Subtotal (187,612.50) (190,322.50) TOTAL LIABILITIES ($189,812.50) ($190,322.50) (1) Secured by assets in a Merrill Lynch account CASH FLOW This Report Year to Date Opening Cash/Money Accounts 102,564.90 CREDITS Funds Received 4,487.73 1,725,482.77 Electronic Transfers 13,800.00 59,000.00 Other Credits 250.00 5,631.86 Subtotal 18,537.73 1,790,114.63 DEBITS Electronic Transfers (15,600.00) (52,900.00) Margin Interest Charged Other Debits (2,766.23) (364,847.07) Visa Purchases (debits) (169.93) (26,.97) ATM/Cash Advances (254.00) (3,500.00) Checks Written/Bill Payment (53.05) (867,255.71) Subtotal (18,843.21) (1,314,504.75) Net Cash Flow (305.48) $475,609.88 Dividends/Interest Income 732.21 5,109.20 Dividend Reinvestments (138.00) (276.00) Security Purchases/Debits 475,609.88 Security Sales/Credits 25,996.85 303,415.46 Closing Cash/Money Accounts $128,850.48 Securities You Transferred In/Out (42,456.78) 0007254 020 7954 2 of 27 3 of 27 Account Level Summary Your accounts summarized in one view. Margin-Available Credit is displayed for applicable accounts. Also, this page is organized by product categories for clear, consistent communication about your financial life. Liabilities Section The Liabilities section clearly differentiates classes of liabilities and provides information on margin accounts, securities-based lending, mortgages and/or home equity loans with Merrill Lynch Home Loans and business loans. For most clients, information about your Merrill Lynch Home Loan mortgage and/or home equity loan will appear automatically on your statement unless you have elected a privacy choice that prohibits this.* 4 * For clients who are residents of California and Vermont, information about your Merrill Lynch Home Loan mortgage and/or home equity loan will appear on your statement only if you have provided affirmative written consent. Any first and/or home equity mortgage client who wishes to change an existing privacy election must provide written consent. If you have any questions, or to obtain instructions and a Consent to Change form, you can call a loan servicing agent directly at (888) 412-8625; or you can go to: www.merrillhomeloans.com.

000000000000000000 0000000000000 0007254 020 7954 Your Portfolio Review We ve laid out this information in four quadrants to make it easy to access and understand. Asset Allocation Shows how your account is allocated among the following asset categories: Cash and Money Accounts, Fixed Income, Equities, Alternative Investments or Other. A footnote may appear regarding allocation of Mutual Funds, if applicable. Bond Maturity Schedule Presented here is the total value of your bond portfolio within defined maturity ranges. The table also shows the par value of the bond portfolio residing within each maturity range. YOUR PORTFOLIO REVIEW December 01, 2009 - December 31, 2009 ASSET ALLOCATION* Estimated Accrued Interest not included May not reflect all holdings Percent 40% Other Equities 27% Fixed Income 21% Cash/Money Accounts 11% Alternative Investments 1% TOTAL 100% * Includes the categorical values for the underlying portfolio of individual mutual funds, closed end funds, and UITs BOND MATURITY SCHEDULE Does not include Fixed Income Mutual Funds % of Total Estimated Maturity Years Bond Assets Par Value Market Value 1 2 27% 40,000 42,300.00 2 5 58% 85,000 89,953.97 10 15 15% 80,000 23,666.00 Total 100% 205,000 $155,919.97 24-Hour Assistance: (800) MERRILL CURRENT INCOME $8,000 $2,000 $0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec This Report Year To Date 232.50 1,818.03 Tax-Exempt Interest 2,432.06 Taxable Interest 360.25 58.06 Tax-Exempt Dividends 1.46 801.00 Taxable Dividends 138.00 $15,109.14 Total $732.21 $18,676.00 Estimated Annual Income TOP FIVE PORTFOLIO HOLDINGS Based on Estimated Market Value % of Current Value Portfolio Lowes Companies 214,200.00 18.51% ML Bank Deposit Program 126,393.00 10.92% Hawaii St. Hsg Fin & Dev 89,953.97 7.77% Hewlett Packard Co Del 71,370.00 6.17% Hawaiian Electric Inc 49,500.00 4.28% 0007254 020 7954 4 of 27 Current Income This chart graphically depicts monthly and year-to-date income. Additionally, it delineates interest paid on taxable versus tax-exempt securities and displays the values of dividends paid on both a taxable and tax-exempt basis. Financial Market Indicators This chart appears on the Portfolio Review page if you don t have fixed income securities. It shows the value of major market indicators for both the current and prior periods. Your Monthly Income & Gain/(Loss) Review This page provides a summary of income from interest and dividends, as well as information on gains and losses for each account during the current month and year to date. Gain/(Loss) Summary Shows long- and short-term gains and losses, both realized and unrealized, for each account, and year-to-date values for long- term capital gain distributions. YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW December 01, 2009 - December 31, 2009 INCOME SUMMARY This Report Year to Date Tax- Tax- Total Tax- Tax- Total Exempt Taxable Exempt Taxable This Report Exempt Taxable Exempt Taxable YTD Account No. Interest Interest Dividends Dividends» Income Interest Interest Dividends Dividends Income Non-Retirement 1X1-45678 233 360 449 1,042 1,818 2,432 957 5,207 Subtotal 233 360 449 1,042 1,818 2,432 957 5,207 Retirement 2X1-56789 1 1 58 58 Subtotal 1 1 58 58 TOTAL $233 $360 $1 $449 $1,043 $1,818 $2,432 $58 $957 $5,265» Dividends may include long term capital gain distributions. GAIN/(LOSS) SUMMARY Long Term Capital Realized Gains/(Losses) Gain Distributions Unrealized Gains/(Losses) YTD This This Report Report YTD Account No. Short Term Short Term Long Term Long Term Year To Date Short Term Long Term Non-Retirement 1X1-45678 6,294.66 26,000.00 2,940.61 11,762.44 956.82 45,548.00 Subtotal 6,294.66 26,000.00 2,940.61 11,762.44 956.82 45,548.00 Retirement 2X1-56789 N/A 10,871.00 Subtotal N/A 10,871.00 TOTAL $6,294.66 $26,000.00 $2,940.61 $11,762.44 $956.82 $56,419.00 5 of 27 Income Summary Shows income generated and received during the month and year to date. This table separates interest received on taxexempt securities from that received on taxable securities and displays dividends paid on both a taxable and tax-exempt basis. Total values are shown for each account and for your overall portfolio. 5

0007254 020 7954 Key Information Continued We ve selected a sample CMA account to give you a sense of the account detail available in your Merrill Lynch statement. While specific sections may not appear in all statements, you ll find that the information is presented consistently for each account. Account Detail Pages Account Summary Page This page summarizes the assets, liabilities and cash flow for each account. The net portfolio value is highlighted. Assets You ll see current month and prior month values for all asset categories in the account. Online at www.mlol.ml.com 24-Hour Assistance: (800) MERRILL THIS IS A LINE OF 30 CHARACTER JOHN Q CUSTOMER 123 ANY STREET ANYTOWN, ST 12345-6789 TO ACCOMODATE MAXIMUM OF 6 LINES TOTAL DEPTH Net Portfolio Value: $65,522,768.00 CMA ACCOUNT December 01, 2009 December 31, 2009 ASSETS December 31 November 30 Cash/Money Accounts 7,198,635.00 11,927,556.00 Fixed Income 34,548,719.00 34,562,616.00 Equities 15,395,162.00 9,365,390.00 Mutual Funds --- --- Options 14,000.00 --- Other 8,409,954.00 8,313,954.00 Alternative Investments --- --- Subtotal (Long Portfolio) --- --- Estimated Accrued Interest 346,297.00 445,170.00 Life Insurance/Annuities --- --- TOTAL ASSETS $65,522.768.00 $64,464,687.00 LIABILITIES Margin Loan/Debit Balance --- --- Short Market Value (390,000.00) (150,000.00) TOTAL LIABILITIES ($390,000.00) ($150,000.00) NET PORTFOLIO VALUE $65,522,768.00 $64,464,687.00 This account is pledged as collateral for Loan Management Account # XXX-XXXXX. Your Financial Advisor: ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXX ADDRESS 1 UP TO 30 CHARACTERS ADDRESS 2 UP TO 30 CHARACTERS robert_advisor@ml.com (000) 000-0000 CASH FLOW This Statement Year to Date Opening Cash/Money Accounts 152,340.00 CREDITS Funds Received 10,000.00 1,725,482.77 Electronic Transfers 100,000.00 159,000.00 Other Credits 2,500.00 5,631.86 Subtotal 112,500.00 1,890,114.63 DEBITS Electronic Transfers (41,000.00) (843,000.00) Margin Interest Charged (3,734.00) (6,789.00) Other Debits (2,766.00) (364,847.07) Visa Purchases (debits) (26,.97) ATM/Cash Advances (3,500.00) Checks Written/Bill Payment (83,887.71) Subtotal (47,500.00) (1,328,025.75) Net Cash Flow $65,000.00 $562,088.88 Dividends/Interest Income 20,000.00 139,543.90 Dividend Reinvestments (468.52) (2,811.12) Security Purchases/Debits (25,974.00) (636,540.22) Security Sales/Credits 51,911.04 411,540.22 Closing Cash/Money Accounts $262,808.52 Securities You Transferred In/Out 35,000.00 303,415.46 Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation. 0007254 020 7954 6 of 27 Cash Flow Here s an easy-to-use summary of debits and credits for the account for the month and year- to-date. Liabilities Margin loan/debit balances and short position values are included here; Merrill Lynch Home Loans home equity lines, mortgages and other loans appear only on the Your Accounts and Balance Sheet summary pages if applicable. Margin-Available Credit is displayed, if applicable. Account Investment Objective Your account s listed investment objective(s) and description(s) are displayed here. Your Bank Deposit Interest Summary Shows balances on your bank deposits with FIA Card Services, NA and/or Bank of America RI, NA. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL ACCOUNT INVESTMENT OBJECTIVE December 01, 2009 - December 31, 2009 TOTAL RETURN: Objective is to strike a balance between fixed-income instruments for current income and equities for growth. Despite the relatively balanced nature of the portfolio, the investor should be willing to assume the risk of price volatility and principal loss. If you have changes to your investment objective, please contact your Financial Advisor(s). YOUR CMA BANK DEPOSIT INTEREST SUMMARY Average Current Interest on Closing Money Account Description Opening Balance Deposit Balance Yield% Deposits Balance FIA Card Services, N.A. 98,010 98,010 3.01 344.75 122,369 Bank of America RI, N.A. 0 3,010 3.01 15.50 4,024 TOTAL ML Bank Deposit Program 98,010 $360.25 126,39 ITEMS FOR ATTENTION Security Message Date Security Message Date EMC CORPORATION MASS Opinion Upgraded PFIZER INC DEL PV $0.05 Opinion Downgraded JPM 0027 7/2 Option Expiring 12/10/09 YOUR CMA ASSETS CASH/MONEY ACCOUNTS Total Estimated Estimated Estimated Est. Annual Description Quantity Cost Basis Market Price Market Value Annual Income Yield% CASH 1.00 1.36 ML BANK DEPOSIT PROGRAM 126,393 126,393.00 1.0000 126,393.00 3,804 3.01 TOTAL 126,394.00 126,394.36 3,804 3.01 000000000000000000 0000000000000 7 of 27 Items for Attention Look here for changes in research opinions on equity positions, alerts that options are expiring, bonds are maturing and other important messages. Your Assets Here you ll find a comprehensive list of securities within the account. Look in this section for important tax lot information, subtotals by asset type, and price and valuation information. You ll also see a calculation of the yield for each investment. 6

Alternative Investments If you hold alternative investments, they will be listed here. JOHN Q CUSTOMER AND YOUR CMA ASSETS December 01, 2009 - December 31, 2009 Cumulative MUTUAL FUNDS/CLOSED END FUNDS/UIT Total Estimated Estimated Unrealized Total Client Investment Estimated Current Basis Market Price Market Value Gain/(Loss) Investment Return ($) Annual Income Yield% Description Quantity Cost BLACKROCK 1,301 17,652.00 14.5895 18,980.93 1,328.93 10, 8,979 791 4.16 GLOBAL ALLOCATION C SYMBOL: XXXXX Initial Purchase: 12/26/96 Equity 100%.9370 Fractional Share N/A 14.5895 13.67 N/A 4.16 HAWAIIAN TAX FREE TR SBI 1,109 12,665.00 11.8097 13,096.95 431.95 4.15 4,402 8,694 544 2,742 N/A 11.8097 32,382.19 N/A 13,725 18,657 1,346 4.15 SYMBOL: XXXXX Initial Purchase: 12/15/98 Fixed Income 100%.8780 Fractional Share N/A 11.8097 10.36 N/A 4.15 Subtotal (Fixed Income) 45,489.50 Subtotal (Equities) 18,994.60 TOTAL 30,317.00 64,484.10 1760.88 4.16 1,890 Total Client Investment: Cost of shares directly purchased and still held. Does not include Unrealized Gain or (Loss): Estimated Market Value minus Total Cost Basis. Provided shares purchased through reinvestment. for Tax Planning purposes only and is not applicable to retirement accounts denoted Cumulative Investment Return: Estimated Market Value minus Total Client Investment. by N/A. Cumulative Investment Return is the capital appreciation (depreciation) of all shares purchased, Initial Purchase: Date of your initial investment in this fund. including shares purchased through reinvestment. Market Timing: Merrill Lynch's policies prohibit mutual fund market timing, which involves the purchase and sale of mutual fund shares within short periods of time with the intention of capturing short-term profits resulting from market volatility. Market timing may result in lower returns for long-term fund shareholders because market timers capture short-term gains that would otherwise pass to all shareholders and due to increased transaction costs and fewer assets for investment due to the need to retain cash to satisfy redemptions. Long Portfolio Provides a total for Adjusted/Total Cost Basis, Estimated Market Value, Unrealized Gain (or Loss), Estimated Accrued Interest, Estimated Annual Income and Current Yield %. ALTERNATIVE INVESTMENTS Unit Total Estimated Estimated Unrealized Estimated Current Description Basis Basis Market Price Market Value Gain/(Loss) Annual Income Yield% Acquired Quantity Cost Cost CAMPBELL STRATEGIC 12/17/04 219 227.990 49,929.00 45.66 10,000.00 (39,929.00) 000,000,000 ALLOCATION FUND LP TOTAL 49,929.00 10,000.00 (39,929.00) LONG PORTFOLIO Adjusted/Total Estimated Unrealized Estimated Estimated Current Cost Basis Market Value Gain/(Loss)Accrued Interest Annual Income Yield% 426,257.00 681,868.43 47,260.00 664.00 18,979 2.78 TOTAL 0007254 020 7954 10 of 27 Liabilities Lists the liabilities in your account, including short positions. JOHN Q CUSTOMER AND YOUR CMA LIABILITIES December 01, 2009 - December 31, 2009 SHORTS Unit Total Estimated Estimated Unrealized Estimated Current Description Basis Basis Market Price Market Value Gain/(Loss) Annual Income Yield% Acquired Quantity Cost Cost CALL JPM 0027 04/07/03 10.94 949.00 2.20 2,200.00 (1,250.00) 7/2 JP MORGAN CHASE AND CO EXP 08-10 2005OPEN TRAN SYMBOL: XXX TOTAL 949.00 $2,200.00 (1,250.00) YOUR CMA INDEPENDENTLY VALUED DIRECT INVESTMENTS Description Quantity Est. Value Per Unit* Est. Value* ML MEDIA PARTNERS LP 86 10 N/A N/A (2) * The amounts presented for limited partnerships and other direct investments are for informational purposes only, generally do not represent the market or liquidation value of these investments, and may vary from values (if any) provided by the issuer or others. These investments are generally illiquid and are not listed on a national securities exchange or The Nasdaq Stock Market, and investors may not be able to sell them or realize the amounts shown above upon a sale or liquidation. Also, these amounts are not included in the Priced Portfolio or similar categories of this statement. These investments are not registered in the name of or held by MLPF&S or its nominees and are held by you or registered in your name with the issuer or its agent. MLPF&S does not hold or act as custodian for these investments. The amounts represent one of the following, as indicated: (1) - An estimate of value provided to Merrill Lynch by an independent valuation service on an annual basis; in this case, an estimate of value based on information available to the service on March 15, 2008. This amount has not been adjusted to reflect changes which may have taken place subsequent to that valuation date. (2) - Unavailable; the value of this investment may be different than its original purchase price. YOUR CMA TRANSACTIONS Direct Investments If you hold direct investments, such as Limited Partnerships that are held outside Merrill Lynch, they will be listed here. DIVIDENDS/INTEREST INCOME TRANSACTIONS Income Date Transaction Type Quantity Description Reinvestment Income Year To Date 12/15 Bond Interest HAWAII ST HSG FIN+DEV 232.50 CRP SFM POR REV SRA AMT JUN 98 04.750% DEC 0108 Subtotal (Tax-Exempt Interest) 232.50 1,818.03 12/29 ³ Bank Interest BANK DEPOSIT INTEREST 1.25 Income Total ML Bank Deposit Interest 359.00 0007254 020 7954 14 of 27 Your Transactions Here s the record of activity in your account, organized in chronological order, by category. Security Transactions In addition to purchases, sales and redemptions, this section includes information on accrued interest and subtotals for selected categories. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL YOUR CMA TRANSACTIONS December 01, 2009 - December 31, 2009 000000000000000000 0000000000000 DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued) Income Date Transaction Type Quantity Description Reinvestment Income Year To Date Subtotal (Interest) 360.25 2,432.05 12/22 Lg Tm Cap Gain» LOWE S COMPANIES INC 138.00 12/22 Reinvestment LOWE S COMPANIES INC (138.00) 12/22 * Dividend LOWE S COMPANIES INC 234.00 12/22 Reinvestment LOWE S COMPANIES INC (234.00) 12/22 Lg Tm Cap Gain» BLACKROCK GLOBAL ALLOC 311.01 HOLDING 1301.9370 QUAL DIV 311.01 PAY DATE 12/05/2009 12/22 Divd Reinvestment 3 LOWE S COMPANIES INC REINV AMOUNT $138.00 REINV PRICE $46.00 QUANTITY BOUGHT 3.00 Subtotal (Dividends) 683.01 1,112.01 NET TOTAL 1,041.76 5,362.09» Long Term Capital Gain Distributions 449.01 956.82 The long-term capital gain distribution amounts may change due to income reclassification information provided by the issuer. In particular, distributions made by Mutual Funds, REITs and UITs often need to be reclassified as a different type of distribution (including long-term capital gain distributions) after the end of the year in which the distribution was originally paid. SECURITY TRANSACTIONS Unit Accrued Interest Date Description Price Earned/(Paid) Transaction Type Quantity Debit Credit 12/15 AUTOMATIC Sale -400 8.6435 3,457.40 DATA PROC CUS NO 053015103 12/18 AUTOMATIC DATA PROC Sale -100 38.7300 3,873.00 CUS NO 053015103 12/22 SUN MICROSYSTEMS INC Sale -100 86.6645 8,666.45 COM Subtotal (Sales) 15,996.85 15 of 27 Dividends/Interest Income Transactions This is a summary of the dividends and interest earned for the statement period and year-to-date, including reinvestments. For tax-reporting purposes, dividends and interest are flagged as either taxable or tax-exempt. A footnote may appear to highlight dividends that may be subject to long-term capital gain distribution. 7

Key Information Continued Realized Gains/ (Losses) This summary of gains and losses for transactions closed within the month represents figures as short-term and long-term to guide your tax-planning and investment decisions. JOHN Q CUSTOMER AND YOUR CMA TRANSACTIONS December 01, 2009 - December 31, 2009 SECURITY TRANSACTIONS (continued) Unit Accrued Interest Date Description Price Earned/(Paid) Transaction Type Quantity Debit Credit 12/14 FEDL FARM CREDIT BANK Redeemed -10,000 10,000.00 DISCOUNT NOTE ZERO% DEC 14 2006 PAY DATE 12/14/2009 INTEREST INCOME: $1,234.56* Subtotal (Other Security Transactions) 10,000.00 Total Accrued Interest Earned 000.00 Total Accrued Interest Paid (000.00) TOTAL 25,996.85 * This amount represents the interest income associated with the security redemption. Your Tax Reporting Statement will reflect this amount. REALIZED GAINS/(LOSSES) Acquired/ Liquidation/ Cover Short Short Sale Gains/(Losses)* Date Date Statement Year Description Quantity Sale Amount Cost Basis This to Date X AUTOMATIC DATA PROC 400 07/17/95 12/15/05 3,457.40 2,016.79 1,440.61 100 07/18/98 12/18/09 3,873.00 2,373.00 1,500.00 Subtotal (Long-Term) 2,940.61 11,762.44 MICROSYSTEMS INC COM 6,294.66 SUN 100 12/21/09 12/22/09 8,666.45 2,371.79 Subtotal (Short-Term) 6,294.66 26,000.00 TOTAL 15,996.85 6,761.58 9,235.27 37,762.44 + Debt Instruments purchased at a premium show amortization θ Debt Instruments purchased at a discount show accretion N/C - Results may not be calculated for transactions which involve the amortization of premium, the repayment of principal, the sale of partnership interests, derivative products purchased in the secondary market, or the determination of ordinary income and or capital items for discount and zero-coupon issues. S - Short Sale P - Indicates that an option premium has been included in the calculation. CSVB - Indicates cover short versus box. N/A - Results which cannot be calculated because of insufficient data are reflected by an N/A entry in the capital gain or (loss) column and are not included in the realized capital gain and loss summary. DK - Identifies results which cannot be determined as short-term or long-term until combined with results of other 2008 broad-based index option (DK) transactions. CXL - Indicates the cancellation of an error transaction. COR - Reflects a correction entry. * - Trades settling this month but executed in 2007 must be reported in 2007. These totals exclude (DK) broad-based index option results. The Cost Basis for eligible Tax Lots purchased in the current year has not been adjusted by a portion of the current year Unlimited Advantage fee. If the account is enrolled in the Cost Basis Allocation Service, adjustments to Tax Lots will systematically occur at year-end. X The cost basis on the sale or redemption of this security is determined utilizing the First-In First-Out (FIFO) accounting methodology. If you transferred this security to Merrill Lynch from another firm, the cost basis may have been reported to you by the other firm using an average cost methodology. If you previously used an average cost methodology in reporting sales transactions of this security to the IRS, you may need to use an adjusted basis other than the one shown above. Please consult your tax advisor for more information. 0007254 020 7954 16 of 27 Open Orders Indicates, with specific prices and quantities, any orders you have placed that remain unexecuted. Standing Instructions Shows the amount, type and frequency of the action. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL YOUR CMA TRANSACTIONS December 01, 2009 - December 31, 2009 OPEN ORDERS Date Transaction Quantity Description Price 12/25 ORDER TO BUY 2,400 HEWLETT PACKARD CO DEL 15.0000 STANDING INSTRUCTIONS Transaction Frequency Description Amount ORDER TO BUY QUARTERLY ML GLOBAL ALLOCATION C 1,000.0000 WHEN ISSUED Date Transaction Quantity Description 12/15 Bought W.I. 5,000 TRINITY AREA SCH DIST PA FGIC 04 04.25% JUL 01 18 UNSETTLED TRADES Trade Settlement Symbol/ Transaction Date Date Cusip Type Description Quantity Price Amount 12/28 01/03 BELLSOUTH CORP BLS Purchase 80 39.1000 (3,119.91) 12/30 01/05 EXPRESS SCRIPTS INC COMMON ESRX Sale 40 78.0000 3,111.91 NET TOTAL (8.00) CASH/OTHER TRANSACTIONS Date Transaction Type Quantity Description Debit Credit 12/08 ³ Funds Received CHECK DEPOSIT 50.35 12/11 ³ Funds Received CHECK DEPOSIT 2,000.00 12/29 Funds Received CMA PAYROLL DE C/ 10/29 2,437.38 Subtotal (Funds Received) 4,487.73 12/08 Direct Deposit US TREASURY 310 250.00 12/08 Pre-Authdebit EXXON CO USA 50.00 12/08 Funds Transfer CITIZENS BANK 1,000.00 12/13 Wire Transfer WIRE TRF IN D200000293232 12,500.00 12/13 Wire Transfer WIRE TRF OUTP20002103037 3,500.00 12/22 Pre-Authdebit SYMBOL TECH 100.00 When Issued Includes transaction details for When Issued securities. Unsettled Trades Provides a list of purchases/sales entered during the current month s statement period, but not settling until the following month. 000000000000000000 0000000000000 17 of 27 Cash/Other Transactions This section lists miscellaneous transactions, such as funds received, electronic transfers, other debits/ credits and margin interest charged. JOHN Q CUSTOMER AND YOUR CMA TRANSACTIONS December 01, 2009 - December 31, 2009 CASH/OTHER TRANSACTIONS (continued) Date Transaction Type Quantity Description Debit Credit 12/22 Funds Transfer BANK RETURN 500.00 12/23 Pre-Authdebit SYMBOL TECH 100.00 12/25 ACH WCM # 1234567 200.00 12/25 Wire Transfer WCM TRF OUT P20002104148 10,000.00 12/25 Funds Transfer BANK ONE 500.00 12/25 ACH WCM #7654321 350.00 12/25 ACH BANK RETURN #7654321 350.00 Subtotal (Electronic Transfers) 15,600.00 13,800.00 12/08 Journal Entry Tr From 222-22222 250.00 12/25 Visa Signature MONTH-END SUMMARY DEBIT 219.93 12/29 Withdrawal CK #21006-23525 446.30 FIRST FEDERAL BANK Subtotal (Other Debits/Credits) 666.23 250.00 NET TOTAL 2,051.57 VISA SIGNATURE ACTIVITY Trans. Date Date Cleared Description Location/Transaction Debit Credit 11/26 OPENING BALANCE.00 12/05 12/05 GOING FOR BAROQUE 50.00 12/12 12/22 * TINTON FALLS BUY TINTON FALLS NJ 68.10 12/12 12/22 * MARTY'S SHOES SHREWSBURY NJ 97.80 12/13 12/22 * MARSHALLS 55 SHREWSBURY NJ 21.19 12/13 12/22 * SAM GOODY EATONTOWN NJ 32.84 Subtotal (Visa Activity) 169.93 Purchase 12/18 ML ATM 000000 SMST NJ 100.00 12/18 PLUS ATM 000000 OCEAN NJ 51.50 Subtotal (ATM Activity) 151.50 12/27 VISA: FIRST BANK & TRUST $100.00 FEE: 2.50 LUFKIN TX 102.50 Subtotal (Cash Advances) 102.50 NET TOTAL 423.93 07/27 CLOSING BALANCE.00 Visa Signature Activity You ll see subtotals for selected categories Visa debit purchase activity, ATM activity and cash advances. 0007254 020 7954 18 of 27 8

0007254 020 7954 Visa Signature Rewards This section provides an update on your Signature Rewards program status, with previous point balance, points earned, points redeemed, bonus points and ending balance. Checks Written/Bill Payment This section provides details on check clearing activity and electronic bill payments. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL YOUR CMA TRANSACTIONS December 01, 2009 - December 31, 2009 VISA SIGNATURE REWARDS Previous Points Earned Points Point Bonus Ending Rewards Period Point Balance This Period Redeemed Adjustments Points Balance 11/26/2009 to 12/30/2009 25,782 220 0 0 0 26,002 CHECKS WRITTEN/BILL PAYMENT Date Written Date Cleared Check Description Transaction Debit Credit Number 12/27 1234* PROVISIONAL CREDIT CHECK DISPUTE 289.79 12/18 12/22 5678# JOHN SMITH 100.00 12/18 12/22 9125 MACY'S 242.84 NET TOTAL 53.05 * Indicates gap in check sequence # Check converted to ACH debit by payee To report Lost or Stolen Visa Cards or Checks, please call (800) CMA-LOST. YOUR CMA MONEY ACCOUNT TRANSACTIONS Date Description Withdrawals Deposits Date Description Withdrawals Deposits 12/05 ML Bank Deposit 50.00 12/22 ML Bank Deposit 343.00 Program Program 12/07 ML Bank Deposit Program 12/25 ML Bank Deposit Program 749.00 8,366.00 12/08 ML Bank Deposit Program 12/26 ML Bank Deposit Program 2,387.00 9,919.00 12/13 ML Bank Deposit Program 9,000.00 12/27 ML Bank Deposit Program 499.00 12/15 ML Bank Deposit Program 13,690.00 12/28 ML Bank Deposit Program 2,437.00 12/18 ML Bank Deposit Program 3,773.00 12/29 ML Bank Deposit Program 344.00 12/19 ML Bank Deposit Program 153.00 NET TOTAL 28,384.00 COPIES OF THIS STATEMENT HAVE BEEN SENT TO: Michael Recipient Jane Recipient Joe Recipient 123 Any Street 123 Any Street 123 Any Street Anytown, ST 12345-6789 Anytown, ST 12345-6789 Anytown, ST 12345-6789 19 of 27 Money Account/Money Fund Transactions Displayed here are details of all deposits to and withdrawals from your balances in the Merrill Lynch Bank Deposit Program or other available money funds. Copies of this statement have been sent to Will list all recipients who will receive a copy of your statement. Your Retirement Account Contributions and Distributions Retirement account holders will see account contributions and distributions and if required, the Required Minimum Distribution Calculated amount for the annual distribution. JOHN S RETIREMENT Account Number: 2X1-56789 24-Hour Assistance: (800) MERRILL YOUR RETIREMENT ACCOUNT CONTRIBUTIONS AND DISTRIBUTIONS December 01, 2009 - December 31, 2009 Year End Plan Value as of December 31, 2008: $20,000.00 Contributions after December 31, 2008 for 2008: $00.00 Contributions Tax Year 2009 Tax Year 2008 Salary Deferral 10,000.00 5,000.00 Total Rollover Deposits 2,000.00 1,000.00 Recharacterization Deposits 5,000.00 1,500.00 Distributions Tax Year 2009 Tax Year 2008 RMD Calculated Amount 2010 Normal 4,000.00 5,000.00 10,000 Rollover 6,000.00 8,000.00 Federal Taxes Withheld 892.00 912.00 NY State Taxes Withheld 212.00 300.00 GA State Taxes Withheld 212.00 300.00 Retirement to Roth 7,057.72 0.00 Our records indicate that for 2010 you may be required to take a Required Minimum Distribution (RMD) from this account. You are required to take annual RMD's from your IRA account (s) for the year you turn age 70 ½ and each subsequent year. The deadline for taking your 2010 RMD is December 31, 2010 or April 1, 2011 if 2010 is your first Required Minimum Distribution year. Contact us after January 15th in order to obtain your RMD calculation (if applicable), otherwise the calculation will be provided to you on your next statement. For IRA, IRRA, SEP/IRA, SIMPLE/IRA Roth IRA and ESA accounts, the Year-End Plan Value represents the valuation we must furnish to you and the Internal Revenue Service as part of the IRS Form 5498 reporting requirements. 000000000000000000 0000000000000 23 of 27 FUNDAMENTAL EQUITY OPINION KEY AND GUIDE TO YOUR BofA MERRILL LYNCH RESEARCH RATINGS BofA MERRILL LYNCH RESEARCH BofA Merrill Lynch Research or BofAML Research is research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and/or one or more of its affiliates. MLPF&S is a whollyowned subsidiary of Bank of America Corporation. Equity Opinions include a Volatility Risk Rating, an Investment Rating and an Income Rating. BofAML Research Volatility Risk Ratings BofAML Research Income Ratings Indicators of potential price fluctuation are: Indicators of potential cash dividends are: A - Low 7 - Same/higher (dividend considered to be secure) B - Medium 8 - Same/lower (dividend not considered to be secure) C - High 9 - Pays no cash dividend BofAML Research Investment Ratings Reflect the analyst s assessment of a stock s absolute total return potential and the stock s attractiveness for investment relative to other stocks within a Coverage Cluster (defined below). There are three investment ratings: 1 - Buy stocks are expected to have a total return of at least 10% and are the most attractive stocks in the Coverage Cluster 2 - Neutral stocks are expected to remain flat or increase in value and are less attractive than Buy rated stocks 3 - Underperform stocks are the least attractive stocks in a Coverage Cluster Research Ratings For accounts that qualify, BofA Merrill Lynch Global Research (BofA ML Research) and independent research ratings are provided for most equities. Analysts assign investment ratings considering, among other things, the 0-12 month total return expectation for a stock and the firm s guidelines for ratings dispersions (shown in the table below). The current price objective for a stock should be referenced to better understand the total return expectation at any given time. The price objective reflects the analyst s view of the potential price appreciation (depreciation). BofAML Research Investment Rating Buy Neutral Underperform Total return expectation (within 12-month period of date of intial rating) > or = 10% > or = 0% N/A Ratings dispersion guidelines for Coverage Cluster+ < or =70% < or = 30% > or = 20% + Ratings dispersions may vary from time to time where BofAML Research believes that it better reflects the investment prospects of stocks in a Coverage Cluster. A Coverage Cluster is comprised of stocks covered by a single analyst or two or more analysts sharing a common industry, sector, region or other classification(s). A stock s Coverage Cluster is included in the most recent BofAML Comment referencing the stock. *THIRD PARTY RESEARCH Third party research on the equity securities of certain companies is available to clients for informational purposes. Clients can access this research at www.mymerrill.com or can call 1-800- MERRILL to request that a copy be sent to them. Please note that the third party research rating is not necessarily equivalent to, or derived using the same methodology as, the BofAML Research ratings or the ratings of other third party research providers. 0007254 020 7954 24 of 27 9

Key Information Continued BofA Fund(s) Current Period Fees & Expenses Displays approximate value for current period fees and expenses for each BofA fund held. 24-Hour Assistance: (800) MERRILL BofA FUND(S) CURRENT PERIOD FEES & EXPENSES December 01, 2009 - December 31, 2009 Account Annual Current Period Fees Ending Number Units Fund Name CUSIP Expense Ratio * & Expenses ** Market Value 1X1-45678 1,301.93 BofA LARGE CAP FUND 19765K605 0.80% $18.46 $18,994.60 1X1-45678 3,851.87 BofA GROWTH FUND 27865J710 0.85% $25.32 $45,489.50 The mutual funds, referenced above, are distributed by BofA Distributors, Inc., an affiliate of Merrill Lynch, Pierce, Fenner & Smith Incorporated. Please note fees and expenses charged by a BofA Fund are included in the operating expenses of the Fund and are not deducted from the ending balance on your statement. * Annual Expense Ratio is based on amounts incurred during the most recent fiscal year, as shown in the fund's audited financial statement, may have been restated to reflect current service provider fees, and are net of any waivers, reimbursements or caps that the fund's manager has committed to the fund and that are currently in effect. Expense ratios are updated in conjunction with the annual updates to the fund's prospectus. For new funds that do not yet have audited financial statements covering more than a six-month period, Annual Expense Ratio is estimated. ** Current Period Fees & Expenses are approximate, assume that the investor held shares of the fund valued at the ending balance for the entire period, and do not include the effect of any transactions that may have been made during the period. Additional Disclosures Applicable to Current Period Fees & Expenses and to Hypothetical Future Fees & Expenses: - Additional fee information, including a summary of an independent fee consultant's management fee evaluation, is available at www.bofacapital.com and in shareholder reports. - Fees disclosed here for a fund that is held through a wrap fee program do not include the separate fees and expenses that are imposed under the wrap fee program. An investment in a money market mutual fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market mutual funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in money market mutual funds. Past performance is no guarantee of future results. You should carefully consider a fund's investment objectives, risks, charges and expenses before investing. This and other important information is included in the fund's prospectus, which should be read carefully before investing. The following section details the hypothetical future fee and expense structure associated with your mutual funds distributed by BofA Distributors, Inc.. The following tables are produced for illustrative purposes only and do not guarantee future results. Actual results may vary. The illustrations are based on the assumptions appearing at the end of this section. 000000000000000000 0000000000000 0007254 020 7954 25 of 27 BofA FUND(S) HYPOTHETICAL FUTURE FEES & EXPENSES December 01, 2009 - December 31, 2009 BofA LARGE CAP FUND 19765K605 Initial Hypothetical Investment **** $10,000 Assumed Rate of Return 5.00% Cumulative Cumulative Hypothetical Return Annual Return Year-End Balance Annual Before Fees Expense After Fees After Fees Fees Year & Expenses Ratio*** & Expenses & Expenses & Expenses 01 5.00% 0.80% 4.20% $10,420.00 $81.68 02-10.25% 0.87% -8.50% $10,850.35 $92.53 03 15.76% 0.87% 12.98% $11,298.47 $96.35 04 21.55% 0.87% 17.65% $11,765.09 $100.33 05 27.63% 0.87% 22.51% $12,250.99 $104.47 06 34.01% 0.87% 27.57% $12,756.96 $108.78 07-40.71% 0.87% -32.84% $13,283.82 $113.28 08 47.75% 0.87% 38.32% $13,832.44 $117.96 09 55.13% 0.87% 44.04% $14,403.72 $122.83 10 62.89% 0.87% 49.99% $14,998.59 $127.90 BofA GROWTH FUND 27865J710 Initial Hypothetical Investment **** $10,000 Assumed Rate of Return 5.00% Cumulative Cumulative Hypothetical Return Annual Return Year-End Balance Annual Before Fees Expense After Fees After Fees Fees Year & Expenses Ratio*** & Expenses & Expenses & Expenses 01 5.00% 0.85% 4.26% $9,420.99 $81.79 02 10.25% 0.92% 9.50% $9,840.35 $92.43 03 15.76% 0.92% 11.08% $10,100.22 $96.36 04 21.55% 0.92% 16.55% $11,036.69 $100.52 05-27.63% 0.92% -22.50% $11.598.99 $104.58 06 34.01% 0.92% 26.57% $12,568.33 $108.63 07 40.71% 0.92% 34.44% $13,125.35 $113.48 08 47.75% 0.92% 36.52% $13,995.88 $117.26 09 55.13% 0.92% 48.64% $14,745.21 $122.96 10-62.89% 0.92% -48.69% $14,553.85 $127.66 BofA Fund(s) Hypothetical Future Fees & Expenses Displays projected value of future fees and expenses for each BofA fund held. Total Gain After Fees & Expenses $4,998.59 Total Annual Fees & Expenses $1,066.09 Total Gain After Fees & Expenses $5,698.64 Total Annual Fees & Expenses $1,420.09 Hypothetical Fees & Expenses: *** Annual Expense Ratios are based on amounts incurred during the most recent fiscal year, as shown in the fund's audited financial statement, may have been restated to reflect current service provider fees, and are net of any waivers, reimbursements or caps that the fund's manager has committed to the fund for the period of the commitment. Annual Expense Ratios are updated in conjunction with annual updates to the fund's prospectus. For new funds that do not yet have audited financial statements covering more than a six-month period, Annual Expense Ratio is estimated. **** The hypothetical information shown above calculates the approximate fees and expenses that would be charged on the Initial Hypothetical Investment of $10,000, based on a 5.00% return each year. Actual results may vary. The fee and expense information shown assumes that all dividends and distributions are reinvested in the fund. Assumptions: - Annual Fees & Expenses are approximate and assume that the investor had an initial investment of $10,000 and held shares of the fund for an entire 10-year period and do not include contingent deferred sales charges. - For Class B shares, the expense ratios reflect fee reductions resulting from conversion to Class A shares held after year eight. - Annual Fees & Expenses are calculated based on the average between the beginning and ending balance for each year. All information is calculated on an annual compounding basis. - Hypothetical Future Fees & Expenses are hypothetical and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation or endorsement of any specific mutual fund. Mutual fund fees and expenses fluctuate over time and actual expenses may be higher or lower than those shown. You should carefully review the fund's prospectus to consider the investment objectives, risks, expenses and charges of the fund prior to investing. 0007254 020 7954 26 of 27 10

Additional Statement Features It s All About You The Merrill Lynch statement is based directly on client recommendations and preferences, as defined by extensive quantitative and qualitative research conducted throughout the country. You ll find the statement intuitive, logical and easy to use. And if you have questions, relevant Merrill Lynch phone numbers and Web addresses are clearly indicated throughout, as is your Financial Advisor s name and contact information. The statement brings together key information about your banking, investments, retirement, credit and lending, estateplanning and business finances. It illustrates that your money really does work harder when it works together. Other Accounts and Services Depending on the nature of your account, your statement may also contain complete details of the following: n Insurance contracts and CMA insurance services n Banking accounts n Retirement accounts n Loan Management Account n Merrill Lynch Consults accounts n Trust Management Account n Mutual Fund Advisor accounts n College savings plan accounts Get Your Statement, Your Way CONVENIENT ELECTRONIC DELIVERY To reduce the number of mailings you receive, you can sign up for secure electronic delivery and not receive paper statement mailings at all. You ll get your statements two to three days faster, and you can view, save or print them. You can also view four years worth of past statements online. Several options are available for statement delivery, including monthly or quarterly for some accounts: n E-Delivery for All Accounts You receive an e-mail notification when your statements are available online, with no paper statement mailed. n Mail Summary Only The statement summary section is sent to you in the mail, with detail sections available electronically. n Delivery Options by Account Choose either paper mail or e-delivery on an account-by-account basis. You may select a combination of both. You can choose the exact combination of delivery options you want for each account. In addition to your monthly statement, you can choose electronic delivery of other account records such as Performance Reports, Trade Confirmations, Prospectus, Tax Statements, Service Notices and Shareholder Notices. To enroll in E-delivery, log in to MyMerrill.com, and from your home page select the Profile & Settings section under the Client Services tab. By selecting the Notification Settings tab you will be able to enter your delivery preference for monthly statements and other eligible account records. REDUCE MAIL WITH STATEMENT LINKING By linking your Merrill Lynch accounts, you ll receive your statements together in one envelope. Linking your accounts allows you to receive account summary pages along with detail pages for each account in the linked relationship. It may also make you eligible to earn higher interest rates by putting you in a higher asset tier. Contact your Financial Advisor to learn more. 11

Additional Client Reporting Streamlined Statement Option At Merrill Lynch we take our commitment to simplify your financial life seriously. For clients who have certain retirement accounts, or who just want a more simplified statement, you may be eligible to receive a streamlined version of the monthly statement that makes it easy for you to understand your holdings and investment activity. The streamlined version of the statement presents information in a logical, clear and easy-to-read design that resembles other Merrill Lynch statements. In addition, it consolidates cost basis detail and includes categorical holdings detail, account level Cash Flow, a separate listing of money fund transactions, and provides Daily Account Activity as the default. Quarterly Performance Report Clients who hold managed accounts such as an Unified Managed Account (UMA), Consults or Personal Investment Advisory (PIA) will receive a Quarterly Performance Report. This report provides detailed information regarding the rates of return for the account against benchmarks. Fiscal Statement If you have an RCMA, WCMA, EMA, BIA or TMA account, you are eligible to receive an annual Fiscal Statement in addition to the Merrill Lynch monthly statement. The Fiscal Statement is a comprehensive statement that combines 12 months of activity and is generated once in a 12-month cycle based on a predetermined fiscal plan month. Annual Consolidated Tax Reporting Statement Each February, we will send you a special tax-reporting statement that contains account data to help with tax return preparation. The Consolidated Tax Reporting Statement contains the following Key Features: n A summary of taxable activities in your account and a detailed chronological breakdown of reportable transactions grouped by category. This section legally substitutes for IRS Forms 1099-Div, 1099-INT, 1099 OID, 1099-B and 1099-MISC n The Non-Reportable Income/Expense Section goes beyond providing the details of your transactions. It also includes income and expenses that, although we do not report to the IRS, can help with tax preparation. n The CMA Visa Signature Summary includes Check Summary and Visa Signature Transaction Summary sections that list all checks numerically and all card transactions by date and category. This section also offers a monthby-month analysis of all expenditures, and includes pre-authorized debits and web bill payments. n A Merrill Lynch Mutual Fund Advisor Program (Merrill Lynch MFA ) Average Cost Basis Summary is provided if you have an account enrolled in the MFA Service. Your gain and loss calculations for redemptions and taxable exchanges will be listed and calculations are based on the IRS-approved, average cost, single category method for establishing the cost basis when selling mutual fund shares. 12

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