A Guide to Your Merrill Lynch Statement
[Pages:13]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 TM.
Inside
Statement Structure
2
Key Information
4
- Summary Pages
4
- Account Detail Pages
6
Additional Statement Features 11
Additional Client Reporting 12
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@ (000) 000-0000
Primary Account: 1X1-45678
YOUR MERRILL LYNCH REPORT
December 01, 2009 - December 31, 2009
PORTFOLIO SUMMARY
Net Portfolio Value Your Assets Your Liabilities
Your Net Cash Flow (Inflows/Outflows) Securities You Transferred In/Out
Subtotal Net Contributions
Your Dividends/Interest Income Your Market Change
Subtotal Investment Earnings Net Portfolio Value (in millions), 2004-2009
December 31 $1,167,031.65 $1,169,231.65
($2,200.00)
($305.48) --
($305.48)
$732.21 $151,380.02 $152,112.23
November 30 $1,015,224.90 $1,015,224.90
--
($1,324.01) --
($1,324.01)
$1,202.21 $42,381.00 $43,583.21
Month Change
$151,806.75
$154,006.75
If you have questions on your statement,
call 24-Hour Assistance:
(800) MERRILL
(800) 637-7455 Access Code: XX-XXX-XXXX
.97
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1.01
1.16
Up-to-date account information can be viewed
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at: , where your statements are
archived for three or more years.
Questions about ? Click the "help" tab at the top of the screen once you log in.
4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09 * Link relationship change.
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 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.
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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
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX
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
JOHN Q CUSTOMER AND
1X1-456781
CMA
1This account has a margin debit balance. Please see the enclosed account statement for details.
1,149,820.53
996,170.24
6
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.
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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 mlol.
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
CMA? ACCOUNT
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX
Net Portfolio Value:
$65,522,768.00
Your Financial Advisor: ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXX ADDRESS 1 UP TO 30 CHARACTERS ADDRESS 2 UP TO 30 CHARACTERS robert_advisor@ (000) 000-0000
December 01, 2009 ? December 31, 2009
ASSETS
Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments
Subtotal (Long Portfolio) Estimated Accrued Interest Life Insurance/Annuities
TOTAL ASSETS
LIABILITIES
Margin Loan/Debit Balance Short Market Value
TOTAL LIABILITIES
NET PORTFOLIO VALUE
December 31 7,198,635.00 34,548,719.00 15,395,162.00
--14,000.00 8,409,954.00
----346,297.00 ---
$65,522.768.00
--(390,000.00)
($390,000.00)
$65,522,768.00
November 30 11,927,556.00 34,562,616.00
9,365,390.00 -----
8,313,954.00 -----
445,170.00 ---
$64,464,687.00
--(150,000.00)
($150,000.00)
$64,464,687.00
CASH FLOW
Opening Cash/Money Accounts
CREDITS Funds Received Electronic Transfers Other Credits
Subtotal DEBITS Electronic Transfers Margin Interest Charged Other Debits Visa Purchases (debits) ATM/Cash Advances Checks Written/Bill Payment
Subtotal
Net Cash Flow
Dividends/Interest Income Dividend Reinvestments Security Purchases/Debits Security Sales/Credits
This Statement 152,340.00
10,000.00 100,000.00
2,500.00 112,500.00
(41,000.00) (3,734.00) (2,766.00) -- -- --
(47,500.00)
$65,000.00 20,000.00 (468.52) (25,974.00) 51,911.04
Year to Date
1,725,482.77 159,000.00 5,631.86
1,890,114.63
(843,000.00) (6,789.00)
(364,847.07) (26,001.97) (3,500.00) (83,887.71) (1,328,025.75)
$562,088.88 139,543.90 (2,811.12)
(636,540.22) 411,540.22
This account is pledged as collateral for Loan Management Account # XXX-XXXXX.
Closing Cash/Money Accounts Securities You Transferred In/Out
$262,808.52 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.
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Account Summary includes: ? Assets, Liabilities and Cash Flow
for each individual account
JOHN Q CUSTOMER AND
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX
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
Money Account Description
Opening Balance
FIA Card Services, N.A. Bank of America RI, N.A.
TOTAL ML Bank Deposit Program
98,010 0
98,010
Average Deposit Balance
98,010 3,010
Current Yield%
3.01 3.01
Interest on Deposits
344.75 15.50
$360.25
Closing Balance
122,369 4,024
126,39
ITEMS FOR ATTENTION
Security EMC CORPORATION MASS JPM 0027 7/2
YOUR CMA ASSETS
Message
Opinion Upgraded Option Expiring
Date 12/10/09
Security PFIZER INC DEL PV $0.05
CASH/MONEY ACCOUNTS Description
CASH ML BANK DEPOSIT PROGRAM
TOTAL
Quantity 126,393
Total Cost Basis
1.00 126,393.00 126,394.00
Estimated Market Price
1.0000
Message Opinion Downgraded
Date
Estimated Market Value
1.36 126,393.00 126,394.36
Estimated Est. Annual
Annual Income
Yield%
3,804 3,804
3.01 3.01
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Delivers details on:
? Account Investment Objective ? Bank Deposit Interest Summary ? Items for Attention ? Your Assets
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
2 MLPF&S is a registered broker-dealer, member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.
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.
Account Number: 1X1-45678
YOUR BALANCE SHEET (for your ML accounts)
ASSETS
Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments
Subtotal (Long Portfolio) Estimated Accrued Interest Life Insurance/Annuities
TOTAL ASSETS
December 31
128,850.48 205,419.97 300,325.00
64,484.10 -- --
10,000.00
709,079.55 664.00
459,488.10
$1,169,231.65
November 30
102,564.90 150,000.00 299,110.00
-- -- -- --
551,674.90 5,550.00
458,000.00
$1,015,224.90
LIABILITIES
Margin Loan/Debit Balance Short Market Value
Subtotal
NET PORTFOLIO VALUE
-- (2,200.00) (2,200.00)
$1,167,031.65
-- -- --
$1,015,224.90
OTHER LIABILITIES (not included in Net Portfolio Value)
Loan Management Account (1) Mortgages Home Equity Loans Business Loans
-- (183,612.50)
-- (4,000.00)
-- (185,972.50)
-- (4,350.00)
Subtotal
(187,612.50)
(190,322.50)
TOTAL LIABILITIES
($189,812.50)
($190,322.50)
CASH FLOW
Opening Cash/Money Accounts
CREDITS Funds Received Electronic Transfers Other Credits
Subtotal
DEBITS Electronic Transfers Margin Interest Charged Other Debits Visa Purchases (debits) ATM/Cash Advances Checks Written/Bill Payment
Subtotal
Net Cash Flow Dividends/Interest Income Dividend Reinvestments Security Purchases/Debits Security Sales/Credits Closing Cash/Money Accounts
Securities You Transferred In/Out
(1) Secured by assets in a Merrill Lynch account
December 01, 2009 - December 31, 2009
This Report 102,564.90
4,487.73 13,800.00
250.00 18,537.73
(15,600.00) --
(2,766.23) (169.93) (254.00) (53.05)
(18,843.21)
(305.48) 732.21
(138.00) --
25,996.85 $128,850.48
--
Year to Date
1,725,482.77 59,000.00 5,631.86
1,790,114.63
(52,900.00) --
(364,847.07) (26,001.97) (3,500.00) (867,255.71) (1,314,504.75) $475,609.88
5,109.20 (276.00) 475,609.88 303,415.46
(42,456.78)
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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
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX
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
Maturity Years
1?2 2?5 10?15 Total
% of Total Bond Assets
27% 58% 15% 100%
Par Value
40,000 85,000 80,000 205,000
Estimated Market Value
42,300.00 89,953.97 23,666.00 $155,919.97
CURRENT INCOME
$8,000
$2,000
$0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Tax-Exempt Interest Taxable Interest Tax-Exempt Dividends Taxable Dividends Total
This Report 232.50 360.25 1.46 138.00
$732.21
Year To Date 1,818.03 2,432.06 58.06 801.00
$15,109.14
Estimated Annual Income
$18,676.00
TOP FIVE PORTFOLIO HOLDINGS
Based on Estimated Market Value
Lowes Companies ML Bank Deposit Program Hawaii St. Hsg Fin & Dev Hewlett Packard Co Del Hawaiian Electric Inc
Current Value
214,200.00 126,393.00
89,953.97 71,370.00 49,500.00
% of
Portfolio
18.51% 10.92%
7.77% 6.17% 4.28%
001
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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
Account Number: 1X1-45678
YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW
December 01, 2009 - December 31, 2009
INCOME SUMMARY
This Report
Year to Date
Account No.
TaxExempt Interest
Taxable Interest
TaxExempt Dividends
? Taxable
Dividends
Total This Report
Income
TaxExempt Interest
Taxable Interest
TaxExempt Dividends
Taxable Dividends
Total YTD 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
Realized Gains/(Losses)
Long Term Capital Gain Distributions
Unrealized Gains/(Losses)
Account No.
This Report Short Term
YTD Short Term
This Report Long Term
YTD 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
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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
CDs/EQUIVALENTS Description
Acquired
+ CD AMERICAN NTL BK & TRST
12/14/01
CHICAGO, ILLINOIS??06.950%??DEC 28 2008
CUSIP: 12345689??
YTD PREMIUM AMORTIZATION: 67.00
TOTAL
Account Number: 1X1-45678
Quantity 40,000
Adjusted/Total Cost Basis
40,492.00
Estimated Market Price
105.7500
December 01, 2009 - December 31, 2009
Estimated Market Value
42,300.00
Unrealized Gain/(Loss)
1,808.00
Estimated Estimated Current Accrued Interest Annual Income Yield%
258.00
2,567 6.07
40,000
40,492.00
42,300.00 1,808.00
258.00
2,567 6.07
GOVERNMENT AND AGENCY SECURITIES
Description
Acquired
Adjusted/Total
Quantity
Cost Basis
+ GNM P246518 09 50% 2020
09/07/90
60,000
CUSIP: 123456789
AMORTIZED FACTOR 0.054385870??AMORTIZED VALUE 3263
ORIGINAL UNIT/TOTAL COST: 100.00/600.00
3,263.00
TOTAL
60,000
3,263.00
Estimated Market Price
110.0000
CORPORATE BONDS Description
Acquired
Adjusted/Total
Quantity
Cost Basis
NM BANK AMERICA CORP BE
03/26/01
20,000
CUSIP: 123456784
15DEC18?MTLY-PAY 06.550% FIXRATE MOODY'S: AA3 S&P: A<
CALL PRICE: 100.00 CALL DATE: 12/15/09
20,000.00
TOTAL
20,000
20,000.00
Estimated Market Price
100.3850
MUNICIPAL BONDS Description
Acquired
Quantity
HAWAII ST HSG FIN & DEV
06/24/98
85,000
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
Adjusted/Total Cost Basis 85,000.00
85,000.00
Estimated Market Price
105.8282
Estimated Market Value
3,589.00
Unrealized Gain/(Loss)
326.00
Estimated Estimated Current Accrued Interest Annual Income Yield%
26.00
314 8.75
3,589.00
326.00
26.00
314 8.75
Estimated Market Value
20,077.00
Unrealized Gain/(Loss)
77.00
Estimated Estimated Current Accrued Interest Annual Income Yield%
55.00
1,309 6.52
20,077.00
77.00
55.00
1,309 6.52
Estimated Market Value
89,953.97
Unrealized Gain/(Loss)
4,953.97
Estimated Estimated Current Accrued Interest Annual Income Yield%
325.00
4,030 4.48
89,953.97 4,953.97
325.00
4,030 4.48
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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
JOHN Q CUSTOMER AND
YOUR CMA TRANSACTIONS
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX
December 01, 2009 - December 31, 2009
DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued)
Date
Transaction Type
Quantity
Description
12/22 12/22 12/22 12/22 12/22
Subtotal (Interest)
Lg Tm Cap Gain Reinvestment * Dividend Reinvestment Lg Tm Cap Gain
? LOWE'S COMPANIES INC LOWE'S COMPANIES INC LOWE'S COMPANIES INC
? LOWE'S COMPANIES INC BLACKROCK GLOBAL ALLOC 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)
NET TOTAL
Reinvestment
(138.00) (234.00)
Income 360.25 138.00
234.00
311.01
Income Year To Date
2,432.05
683.01 1,041.76
1,112.01 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
Date
Description
12/15 12/18 12/22
AUTOMATIC DATA PROC CUS NO 053015103
AUTOMATIC DATA PROC CUS NO 053015103 SUN MICROSYSTEMS INC COM
Subtotal (Sales)
Transaction Type Sale Sale Sale
Quantity -400 -100 -100
Unit Price 8.6435
38.7300
86.6645
Debit
Credit 3,457.40
3,873.00
8,666.45 15,996.85
Accrued Interest Earned/(Paid)
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Your CMA?Transactions:
? Provides detail on Income, Security Transactions, Securities You Transferred In/Out (if applicable), and Realized Gains/(Losses)
Note: Specific detail sections may not appear in all statements, depending on account type, holdings and activity.
3
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.
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.
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@ (000) 000-0000
Primary Account: 1X1-45678
YOUR MERRILL LYNCH REPORT
December 01, 2009 - December 31, 2009
PORTFOLIO SUMMARY
Net Portfolio Value Your Assets Your Liabilities1
Your Net Cash Flow (Inflows/Outflows) Securities You Transferred In/Out
Subtotal Net Contributions
Your Dividends/Interest Income Your Market Change
Subtotal Investment Earnings Net Portfolio Value (in millions), 2004-2009
December 31 $1,167,031.65 $1,169,231.65
($2,200.00)
($305.48) --
($305.48)
$732.21 $151,380.02 $152,112.23
November 30 $1,015,224.90 $1,015,224.90
--
($1,324.01) --
($1,324.01)
$1,202.21 $42,381.00 $43,583.21
Month Change
$151,806.75
$154,006.75
If you have questions on your statement,
call 24-Hour Assistance:
(800) MERRILL
(800) 637-7455 Access Code: XX-XXX-XXXX
.97
.99
1.01
1.16
Up-to-date account information can be viewed
.94 .92
.92
.95
.95
.93
.94
.93
at: , where your statements are
archived for three or more years.
Questions about ? Click the "help" tab at the top of the screen once you log in.
4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09 * Link relationship change. 1 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 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.
001
0007254 001020 7954
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YOUR ACCOUNTS
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX
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
JOHN Q CUSTOMER AND
1X1-456781
CMA
1This account has a margin debit balance. Please see the enclosed account statement for details.
1,149,820.53
996,170.24
6
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.
001
000000000000000000
0000000000000
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Account Number: 1X1-45678
YOUR BALANCE SHEET (for your ML accounts)
ASSETS
Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments
Subtotal (Long Portfolio) Estimated Accrued Interest Life Insurance/Annuities
TOTAL ASSETS
December 31
128,850.48 205,419.97 300,325.00
64,484.10 -- --
10,000.00
709,079.55 664.00
459,488.10
$1,169,231.65
November 30
102,564.90 150,000.00 299,110.00
-- -- -- --
551,674.90 5,550.00
458,000.00
$1,015,224.90
LIABILITIES
Margin Loan/Debit Balance Short Market Value
Subtotal
NET PORTFOLIO VALUE
-- (2,200.00) (2,200.00)
$1,167,031.65
-- -- --
$1,015,224.90
OTHER LIABILITIES (not included in Net Portfolio Value)
Loan Management Account (1) Mortgages Home Equity Loans Business Loans
-- (183,612.50)
-- (4,000.00)
-- (185,972.50)
-- (4,350.00)
Subtotal
(187,612.50)
(190,322.50)
TOTAL LIABILITIES
($189,812.50)
($190,322.50)
CASH FLOW
Opening Cash/Money Accounts
CREDITS Funds Received Electronic Transfers Other Credits
Subtotal
DEBITS Electronic Transfers Margin Interest Charged Other Debits Visa Purchases (debits) ATM/Cash Advances Checks Written/Bill Payment
Subtotal
Net Cash Flow Dividends/Interest Income Dividend Reinvestments Security Purchases/Debits Security Sales/Credits Closing Cash/Money Accounts
Securities You Transferred In/Out
(1) Secured by assets in a Merrill Lynch account
December 01, 2009 - December 31, 2009
This Report 102,564.90
4,487.73 13,800.00
250.00 18,537.73
(15,600.00) --
(2,766.23) (169.93) (254.00) (53.05)
(18,843.21)
(305.48) 732.21
(138.00) --
25,996.85 $128,850.48
--
Year to Date
1,725,482.77 59,000.00 5,631.86
1,790,114.63
(52,900.00) --
(364,847.07) (26,001.97) (3,500.00) (867,255.71) (1,314,504.75) $475,609.88
5,109.20 (276.00) 475,609.88 303,415.46
(42,456.78)
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Portfolio Summary Highlights changes in Portfolio Summary including Net Cash Flow, Securities Deposits/Withdrawals and Market Change.
Net Portfolio Value The line chart displays trends over the past five years plus the current year.
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 LoansTM 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.*
* 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;
4
or you can go to: .
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
Account Number: 1X1-45678
24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX
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
Maturity Years
1?2 2?5 10?15 Total
% of Total Bond Assets
27% 58% 15% 100%
Par Value
40,000 85,000 80,000 205,000
Estimated Market Value
42,300.00 89,953.97 23,666.00 $155,919.97
CURRENT INCOME
$8,000 $2,000
$0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Tax-Exempt Interest Taxable Interest Tax-Exempt Dividends Taxable Dividends Total
This Report 232.50 360.25 1.46 138.00
$732.21
Year To Date 1,818.03 2,432.06 58.06 801.00
$15,109.14
Estimated Annual Income
$18,676.00
TOP FIVE PORTFOLIO HOLDINGS
Based on Estimated Market Value
Lowes Companies ML Bank Deposit Program Hawaii St. Hsg Fin & Dev Hewlett Packard Co Del Hawaiian Electric Inc
Current Value
214,200.00 126,393.00
89,953.97 71,370.00 49,500.00
% of
Portfolio
18.51% 10.92%
7.77% 6.17% 4.28%
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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.
Account Number: 1X1-45678
YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW
December 01, 2009 - December 31, 2009
INCOME SUMMARY
This Report
Year to Date
Account No.
TaxExempt Interest
Taxable Interest
TaxExempt Dividends
? Taxable
Dividends
Total This Report
Income
TaxExempt Interest
Taxable Interest
TaxExempt Dividends
Taxable Dividends
Total YTD 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
Realized Gains/(Losses)
Long Term Capital Gain Distributions
Unrealized Gains/(Losses)
Account No.
This Report Short Term
YTD Short Term
This Report Long Term
YTD 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
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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
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