The enclosed report is part of our commitment to helping you stay on track so that you can take control of your � nancial future. Call 1.888.ML.INVEST (1.888.654.6837), and a Merrill Edge Financial Solutions Advisor™ will work with you to help balance and target your assets in pursuit of your goals for:

Retirement

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Making a commitment to fully understand what matters most to you

Our Financial Solutions Advisors will provide advice and guidance on a broad range of investments by taking intoconsideration your current holdings, time horizon, tolerance for risk and � nancial circumstances. During the discussions, you can look forward to receiving:

Personalized advice and guidance

Speci� c investment recommendations that can help you stay on track

Ways to integrate the pieces of your � nancial life

Helping you use the resources available at Merrill Edge®

We offer a wide range of products and services that can help you create strategies and implement solutions that may be right for your particular situation.

Call us Monday through Friday between 7:30 a.m. and 1 a.m. Eastern for one-on-one discussions.

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Portfolio Review Report

Prepared exclusively for:

Merrill Edge Advisory Center Client

Merrill Edge Advisory Center

(888) ML-INVEST (654-6837)

www.merrilledge.com

The Merrill Lynch Wealth Management Process

The Wealth Management Process offers brokerage advice as part of the "Total Merrill" offering of financial services. This analysis is one of the brokerage reports available through the Wealth Management Process. It provides you with a detailed review of your investment strategy, including current financial positions, asset allocation and investment performance. In conjunction with a financial advisor's advice, this report can help you make informed investment decisions in order to reach your financial objectives. Merrill Lynch offers brokerage, investment advisory and otherservices. For more information about any of these services and their differences, including the type of advice and assistance offered, call a Financial Advisor at (888) ML-INVEST (654-6837).

Portfolio Review Report overview Helping you reach your � nancial potential.

At Merrill Edge® we’re committed to providing you with the tools,

advice and guidance to help you pursue your � nancial goals.

Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center TM, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Your Portfolio Review Report

As part of our commitment to helping you stay on track, the enclosed report was created to illustrate your Merrill Edge accounts, how your assets are distributed, and how they compare with the Merrill Edge asset allocation models.

Merrill Edge Financial Solutions Advisors have the knowledge and resources to help you with your current and long-term goals. We are available to review the enclosed Portfolio Review Report with you — just call.

Call a Merrill Edge Financial Solutions Advisor™ at 1.888.ML.INVEST (1.888.654.6837).

Get the most out of your Portfolio Review Report: Call a Financial Solutions Advisor for additional insights.

For additional information on the Merrill Lynch Asset Allocation Models please see the Important Informationpage in the back of this report.

Asset AllocationAs of Close of Business: 07/24/2009

Current Holdings No Model Selected

Current Holdings

Asset Class Amount($) Percent(%)

Equity 1,045 21.68

Fixed Income 966 20.03

Cash 2,809 58.28

Total 4,820 100.00

Performance Summary

Prior 3 Months YTD Entire Period*

Opening Balance $3,963 $4,464 $4,464

Net Contributions/(Withdrawals) $0 $(651) $(651)

Net Investment Capital $3,963 $3,813 $3,813

Interest/Dividends $35 $77 $77

Appreciation/(Depreciation) $98 $206 $206

Closing Balance $4,096 $4,096 $4,096

Time Weighted Return 3.36% 6.54% 6.54%

Annualized Performance

(%) Prior 3 Months 1 Year 3 Years 5 Years Entire Period Total Portfolio 3.36 6.54 - - 6.54 BofAML US Broad Market Bond 0.14 6.12 - - 6.12 S&P 500 Total Return 6.04 26.45 - - 26.45 US Treasury Bill 30 Days 0.01 0.10 - - 0.10

*Returns for periods longer than one year are annualized.

Reference IndicesBofAML US Broad Market Bond - This Index tracks the performance of US dollar-denominated investment gradeGov't. and Corp. public debt issued in the US Domestic bond market, including collateralized products such asMortgage Pass-Through and Asset Backed securities.

S&P 500 Total Return - This market-value-weighted index measures total return, including price and dividends, ofthe 500 largest common stocks (in terms of market cap) in the U.S. This index is often used as a reference for theperformance of the large cap U.S. equity market.

US Treasury Bill 30 Days - This index measures the performance of direct obligations of the US Treasury. Thereturns shown are compiled from the yields available from the weekly auction of Treasury Bills with a maturity of30 days.

Asset AllocationAs of Close of Business: 07/24/2009

Current Holdings No Model Selected

Current Holdings

Asset Class Amount($) Percent(%)

Equity 1,045 21.68

Fixed Income 966 20.03

Cash 2,809 58.28

Total 4,820 100.00

Performance Summary

Prior 3 Months YTD Entire Period*

Opening Balance $3,963 $4,464 $4,464

Net Contributions/(Withdrawals) $0 $(651) $(651)

Net Investment Capital $3,963 $3,813 $3,813

Interest/Dividends $35 $77 $77

Appreciation/(Depreciation) $98 $206 $206

Closing Balance $4,096 $4,096 $4,096

Time Weighted Return 3.36% 6.54% 6.54%

Portfolio OverviewPerformance period available: 01/01/2009 to 12/31/2009

Accounts included in this report: Please refer to the Account List for accounts included in this report. Report created April 28, 2010 for Merrill Edge Advisory Center Client

For Informational Purposes Only - Account Statement is Official Record of Holdings, Balances and Security Values Page 2

Portfolio Overview/Asset Allocation shows how your assets are divided into stocks, bonds and cash. One of the most important components of our Wealth Management Process is to develop an allocation strategy that is aligned with your risk pro� le and goals. Topics of discussion could include:

How does asset allocation affect the risk in a portfolio?

What does it mean if an asset allocation is different from the model?

When circumstances change, what may happen?

Cumulative Performance Quarterly Returns

--- Total Portfolio Total Portfolio

Beginning or ending returns may reflect partial calendar quarters. Please see performance period available for account(s).

Time Weighted Rate of Return by Period: YearlyOpening Contributions/ Interest/ Appreciation/ Closing Total Portfolio(%)

Period Balance($) (Withdrawals)($) Dividends($) (Depreciation)($) Balance($) Year Cum

2009 4,464 (651) 77 206 4,096 6.54 6.54

Total 4,464 (651) 77 206 4,096 6.54

Information regarding the returns of the Merrill Lynch Asset Allocation Models can be found on the Important Information page in the back of this report.

Note that various factors, including unpriced securities, and certain adjustments, holdings or activity may cause report results to differ from actual performance. Report results may also differ from results reported by other Merrill Lynchservices. Past performance does not guarantee future results.

Performance AnalysisPerformance period: 01/01/2009 to 12/31/2009

Accounts included in this report: Please refer to the Account List for accounts included in this report. Report created April 28, 2010 for Merrill Edge Advisory Center Client

For Informational Purposes Only - Account Statement is Official Record of Holdings, Balances and Security Values Page 3

Performance Analysis shows the returns on your investments and includes contributions and withdrawals. Use it to evaluate how well your portfolio has performed compared with indexes that measure broad market performance. Topics of discussion could include:

How might changing asset allocation affect total returns?

What action should be taken if a portfolio outperforms/underperforms the model?

How do I determine how much to invest to reach a speci� c goal?

Current Holdings

Total Holdings(%) Size And Style 0% 75% Current(%) ML Holdings($)Equity

Large Cap Growth 4.74 228

Large Cap Value 14.61 704

Small/Mid Cap Growth 2.04 98

Small/Mid Cap Value 0.30 14

International Equity 0.00 0

Equities Blend 0.00 0

Fixed Income

Long Term Bond 0.00 0

Intermediate Term Bond 19.49 940

Short Term Bond 0.54 26

Fixed Income Blend 0.00 0

Cash

Cash * 58.28 2,809

Cash 2,809Margin Balance 0.01

Total of Analyzed Assets 4,820

Total Assets 4,820

* Total represents the sum of all cash and cash equivalents including short positions with associated credit balances.

Size and Style Analysis - SummaryAs of Close of Business: 07/24/2009

Accounts included in this report: Please refer to the Account List for accounts included in this report. Report created April 28, 2010 for Merrill Edge Advisory Center Client

For Informational Purposes Only - Account Statement is Official Record of Holdings, Balances and Security Values Page 7

Size and Style Analysis gives you a beneath-the-surface look at speci� c investments within the asset classes of your portfolio. For example, the report details the sector, market capitalization and style of your stock holdings and the maturities of your bonds. Topics of discussion could include:

Why are size and style important to a portfolio?

What is the difference between growth style and value style?

Do my investment choices match my goals?

Review Report Overview

The Portfolio Review Report is designed to help give you a better understanding of the various factors that affect your portfolio’s asset allocation and performance. Having a conversation with a Financial Solutions Advisor about your portfolio can provide advice and guidance to help you pursue your � nancial goals.

We have highlighted below some areas of the report you may � nd of interest. We have also included some questions and conversation starters that you and a Financial Solutions Advisor can discuss to help keep your investment strategy on track.

Your Portfolio Review Report is designed to help you stay on track.

We would like to hear from you if you have questions or ideas, or if your goals have changed. We want

to work with you to develop strategies that � t your life and help you achieve your goals. Call a Merrill Edge

Financial Solutions Advisor at 1.888.ML.INVEST (1.888.654.6837).

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