Certificate of Deposit Rates - Merrill Lynch

Certificate of Deposit Rates

CDs listed below are expected to be available through Friday, October 11th, 2013.

However, yield and availability of all offerings are subject to change at any time.

Coupon

APY*

Coupon

Frequency

3 mo

0.200-0.350

0.200-0.350

Maturity

6 mo

0.200-0.450

0.200-0.451

Maturity

9 mo

0.300-0.350

0.300-0.350

Maturity

1 yr

0.350-0.500

0.350-0.500

Maturity

2 yr

0.600-0.800

0.600-0.800

semi-annual

3 yr

0.950-1.200

0.950-1.200

semi-annual

4 yr

1.350-1.650

1.350-1.650

semi-annual

5 yr

1.850-2.150

1.850-2.150

semi-annual

* annual percentage yield

New CD rates will be posted on the second business day of each week and are typically in

effect until the last business day of the week.

Except for a mark-up or markdown in connection with secondary market transactions and a

handling fee, if any, disclosed on your confirmation, you will not be charged any commissions

in connection with your purchase of a CD.

If you have an account enrolled in Merrill Lynch Unlimited Advantage (MLUA), CDs may be

purchased and sold in your account, but will not be subject to MLUA pricing. CD trades will be

subject to all fees and charges applicable to brokerage accounts not enrolled in MLUA.

If you are a Merrill Lynch Online client contact your Merrill Lynch Financial Advisor to

place an order.

As a Merrill Lynch Direct client you can trade CDs online using the Bond & CD Finder

or call 1-877-ML-DIRECT (653-4732).

NOTE: The coupon rates and the Annual Percentage Yield (APY) are as of October 8, 2013

and are subject to availability and change. A minimum deposit of $1,000 is required. In most

cases, early withdrawal without penalty is not permitted; however, CDs may be liquidated in

the secondary market subject to market conditions. APY may reflect a current market discount.

The distribution of interest is required; therefore, interest paid will no longer be part of the CD.

CDs may be issued by out-of-state institutions. While there is no obligation to do so, Merrill

Lynch maintains a secondary market in the CDs Merrill Lynch makes available. Early

withdrawal with no interest penalty is permitted in limited instances such as death, an

adjudication of incompetence.

This information has certain limitations and investors should not rely on it in making their

investment decisions, which should only be made after having read the fact sheet associated

with the offering. Furthermore, this information was gathered from sources which we believe,

but do not guarantee, to be accurate. The fact that specific CD rates are referred to herein does

not constitute a recommendation or a solicitation by Merrill Lynch, Pierce Fenner & Smith

Incorporated (MLPF&S) for the purchase or sale of any CD, nor does it mean that MLPF&S is

or will be able to execute a purchase or sale order for any such CDs. Finally, "Blue Sky"

limitations may exist with respect to the availability of certain CDs in specific states or

localities.

The information in this Internet site is directed at, and is intended for distribution to, and use

by, persons in the U.S. only. It is not intended for distribution to, or use by, any person in any

other jurisdiction. Canadian investors are directed to . Other nonU.S. investors, including UK investors, are directed to our International Private Client Group

site.

? Copyright 2013, Merrill Lynch, Pierce, Fenner & Smith Incorporated. Member, Securities

Investor Protection Corporation (SIPC). All rights reserved.

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