ML Online -- Advantage

Start With A Financial Professional

Merrill Lynch Financial Advisors are highly trained to help you achieve your personal financial goals. They are skilled professionals who can work with you to develop sound investment strategies suited to your individual needs. When you combine the expertise of a Merrill Lynch Financial Advisor with the capabilities of Merrill Lynch OnLine - our online service that provides 24-hour access to your portfolio - you form a uniquely effective partnership.

Design A Customized Strategy With Your Goals In Mind

At Merrill Lynch, we believe that achieving financial success begins with creating a sound financial strategy with your Merrill Lynch Financial Advisor. This strategy will consider your personal goals, investment profile, risk tolerance, retirement needs and time horizon, and other relevant needs and goals.

Electronic Delivery

You can get any or 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.

Access Your Account Information

Merrill Lynch OnLine provides 24-hour access to your account information. You can see your account balances and portfolio holdings, asset allocation charts, account activity and monthly statements. Even your year-end tax reporting statements are now available through Merrill Lynch OnLine.

Place Trades

With Merrill Lynch OnLine, you can place orders online for most U.S. listed over-the-counter equities and mutual funds. You can also visit our online IPO Center - an area for Merrill Lynch clients exclusively - to review offerings and register* to participate in IPOs.
* Restrictions apply

Trade Options

Now, qualified clients enrolled in Merrill Lynch OnLine 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, while still working in tandem with your Merrill Lynch Financial Advisor to achieve your investment goals.
Please contact your Financial Advisor for details about the fees associated with Merrill Lynch OnLine Client Order Entry and Option Order Entry, and to see if these services meet your financial needs.
How to enroll: If you would like to participate in Option Order Entry, please contact your Merrill Lynch Financial Advisor to establish an online options approved account. Click here for more information.

Pay Bills & Transfer Funds

Our Web Bill Pay service lets you pay bills online quickly and easily. You can also use our free Funds Transfer Service to move funds between Merrill Lynch accounts or accounts at other financial institutions.

Get Research, News & Real-time Quotes

Merrill Lynch OnLine provides research on any company Merrill Lynch follows, including fundamental research information on equities, investment opinion and earnings estimate changes, investment overviews, and our weekly "US 1" stock list. The US 1 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."

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.

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.