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Investing involves risk. There is always the potential of losing money when you
invest in securities. Past performance does not guarantee future results. Asset
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ADVERTISING PRACTICES

We strive to provide you with information about products and services you might
find interesting and useful. Relationship-based ads and online behavioral
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Here's how it works: We gather information about your online activities, such as
the searches you conduct on our Sites and the pages you visit. This information
may be used to deliver advertising on our Sites and offline (for example, by
email) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online
behavioral advertising. If you opt out, though, you may still receive generic
advertising. In addition, financial advisors/Client Managers may continue to use
information collected online to provide product and service information in
accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads
when you sign in to your account, for example through Online Banking or
MyMerrill Account Access. These ads are based on your specific account
relationships with us.

To learn more about relationship-based ads, online behavioral advertising and
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