We’re pleased to announce that your Retirement Plan statement has been redesigned and enhanced to
help you find the information you’re looking for quickly. Watch for these enhancements to your statement,
coming soon:

• A concise summary of your account(s) that displays your total account value, balances, rate of return and your asset allocation at a glance.
• Summaries of contributions and other important account information – your detailed account history is available on Benefits OnLine^®, the plan’s website: www.benefits.ml.com.

Note: These guides represent features typically common to retirement plans and statements. You can review your actual statement anytime at your convenience – log on to Benefits OnLine at www.benefits.ml.com.

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer and a wholly owned subsidiary of Bank of America Corporation.

Merrill Lynch makes 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.

Investment products:

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May Lose Value

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