752381_752396 P1BW066010-0-W01500-117E9B Composite CYANMAGENTAYELLOWBLACK P1BW066010-0-W 30 *Account info only viabrowser. **No account info via browser. NA=Not Available. and r SOFTWARE-BASED BROWSER-BASED What’s ontheMenu? w.arsietcm(hog truh(2,100NL, (through (through www.harrisdirect.com w.cwbtcm(,0 L rkrforaccounts 900NTF) Broker Broker Broker (2,560NL, (4,500NL) (4,500NL) 4,900NTF) (1600NL, 4,000NTF) 800-431-1576 www.TradeStation.com (4,700NL, TradeStation** 877-998-7225 LiveBroker www.TrackTrade.com TrackData (TrackTrade) 800-698-7225 foraccounts www.myTrack.com livebroker TrackData (myTrack) 866-839-1100 www..com thinkorswim under$25,000 866-996-8566 www.terranovaonline.com 5,788NTF) Terra NovaTrading 888-245-6864 www.schwabat.com Schwab ActiveTrader (1,685NL, 800-422-2004 www.rushtrade.com RushTrade 888-781-0283 www.preferredtrade.com Preferred Trade (4,000NL) 866-628-3001 (500NL) www.mbtrading.com MB Trading** 888-442-2757 www.interactivebrokers.com Interactive 900NTF) 888-388-2900 www.poweretrade.com E*Trade Pro (2,500NL, and 1,500NTF) 888-762-9237 $25,000orfewerthan www.cybertrader.com CyberTrader Lind-Waldock (2,000NL, Lind-Waldock 877-731-9114 partner 1,364NTF) www.choicetrade.com ChoiceTrade 1,364NTF) 877-229-2853 (2,900NL, www.abwatley.com AB Watley* 871NTF) (2,900NL, (2,762NL, 4,000NTF) broker 800-872-3377 (4,700NL, www.wellsfargo.com WellsTrade viabroker 888-925-5783 www.wallstreete.com 1,335NTF) Wall StreetElectronica (5,400NL) 1-800-934-4448 allNTF) www.tradecentral.com TD WaterhouseTradeCtl. online,orders 800-839-2837 (4,388NL, www.tdwaterhouse.com TD Waterhouse Only 800-619-7283 (500NL, www..com Scottrade Broker 800-435-4000 NTF) www.schwab.com (3,921NL) Schwab 850NTF) (allNL Broker 888-280-8020 www.optionsxpress.com 689NTF) optionsXpress 800-872-0711 software) (1,058NL, www.siebertnet.com software) Muriel Siebert&Co. 877-653-4732 www.mldirect.ml.com 5,788NTF) Merrill LynchDirect 1,247NTF) 800-825-5723 (2,575NL, 700NTF) Harris NA TraderPro) (2,000NL, www.freetrade.com (inActive (1,685NL, Freetrade byAmeritrade 888-973-7890 www.foliofn.com (3,921NL) Foliofn 800-869-8800 Broker www.firstrade.com Firstrade 800-343-3548 www.fidelity.com 888-387-2336 www.priorityetrade.com E*Trade (PriorityE*Trade) 800-822-2021 www.brownco.com Brown &Co. 888-871-9007 www.ameritrade.com Ameritrade (Apex) rkrnm RuigRuig urne ud od pin uue nentoa aktLmtOtos$5 aac 5KBlneFeBalance( Fee $50KBalance $25KBalance Options Limit Market International Futures Options Bonds Funds Guarantee Routing? Routing Broker name rkrnm RuigRuig urne ud od ipeFtrsItrainlMre ii otat 2KBlne$0 aac e Balance Fee $50KBalance $25KBalance Contracts Limit Market International Futures Simple Bonds Funds Guarantee Routing? Routing Broker name Here arethemainservicesoffferedbyeachonlinebroker.CheckWebsitesfordetails.Formutualfunds,

NTF direct means notransactionfees.Forbonds, mr Customer- Smart re ietdEeuinMta pin:CmisosOtosMri ae aneac On25KCash Maintenance MarginRate Options Commissions Options: Mutual Execution Directed Order mr utmr Numberof Customer- Smart e e o1,0 ,T e oN 1.5$99 3.570%65%$5qatri ne 1.51% $15/quarterifunder 6.50% 7.00% $36.45 $19.95 $19.95 No No Yes C,T,M 10,800 No Yes Yes e e o1,0 oYsN e 50 50 1.065%57%Nn 0.70% 0.75% None 0.70% $99.95/monthfor 6.625% 6.625% None 5.75% $10.00 1.44% 6.50% $5.00 $10.00 5.75% None $5.00 $5.00 6.50% 1.625% Min$25 $5.00 Yes $100-$260/month $12.95 5.50% 6.00% Yes $12.95 5.95% 0.5%-1.92% 1.32% 6.25% Yes $24.95 $30-$45/quarter Yes 0.70% $26.50 $35/year if $7.50 Yes No 6.50% $7.50 0.70% 7.50% $7.50 Live None 5.50% Yes $7.50 No $35/yearforIRAs $23.95 5.50% Live 1.26% No $12.95 Yes 6.20% 6,900 Yes $15.00 5.95% $12.95 6.20% Minimum No $9.95 5.95% No Live None $12.50 10,000 Live Yes $9.95plus $9.95 $10.00 $9.95plus 1.826% Yes No Yes 3.83% 10,000 $5.00 LiveBroker No 3.83% Yes 5.99% 1.45% No Yes Yes Yes No $5.00 $10.00 6.99% 4,900 C,T,M 1.556% Yes $49-$249/month 14.49 Yes $5.00 Yes No 0.70% No None Yes 8,000 No C,T,M 5.95% $5.00 $9.99 Yes Yes $50/month No 5.95% Yes Yes 5,000 $9.99 LiveBroker Yes $19.95 5.70% Yes Yes Yes T Via 5.00% Yes 5.95% 3,000 $9.95 Yes Yes 5.50% $9.90 Yes Yes No Yes $9.95 1.42% $29.95 None Phone $5.00 Yes Yes $6.95 Yes CYes No No Phone $5.00 None $6.95 Yes Yes Yes Somevia No None C,T,M No No Yes Yes 4.25% Yes No 6,361 5.75% Yes Yes Yes Yes Yes LiveBroker 27.50 Yes 1.28% LiveBroker LiveBroker Yes Yes $9.99 No Yes 5,500 LiveBroker None $9.99 Yes Yes No LiveBroker 1,000 0.5%-1.92% Yes Yes No 5.00% 1.57% No $30-$45/quarter 0.40% 5.75% Yes Yes 6.50% $15.00 Yes None 7.50% None C,T,M Yes $9.95 0.40% $23.95 $25/quarterifunder $9.95 15,000 $12.95 8.00% 5.00% 5.75% 8.00% $12.95 Yes 5.00% LiveBroker No 6.00% $35-$64 $58.50 Yes Through $25.50 $29.95 $14.95 Yes $29.95 $0.00 No Yes $14.95 C,T,M $0.00 No Vialive Yes 1.26% 5,000 1.50% C,T,M No No Yes $50/yearifunder No None 10,000 No 6.83% Yes Yes Yes No Indications 7.33% C,T,M 7.99% 12,973 Yes $47.50 Yes Yes 8.99% $10.95 No 0.40% 3,500 Yes $26.99 $10.95 $15/quarterifunder No ViaLive No $11.99 5.75% Equities Yes 6.25% ViaLive $11.99 13,264 $25.99 No No Yes Yes $10.99 No Yes $10.99 Yes C,T,M No Yes Yes 4,592 C,T,M Yes No Yes 6,361 Yes Yes LiveBroker Yes ViaLive 13,264 Yes Yes Yes Yes re ietdEeuinMutual Execution Directed Order oN o900Lv rkrYsN o$99 1.5Mn$067%62%$5qatrfrudr 1.42% $15/quarterforunder 6.25% 1.70% 0.85% 6.75% None,butmust Min$40 None 6.75% $19.95 1.70% 7.25% $19.95 $25/quarterifunder $22.45 6.75% 6.25% No 7.25% $9.95 7.00% $29.45 $9.95 $19.50 $14.95 No $7.00 $11.95 Yes $7.00 Yes Yes LiveBroker 1.56% Yes No 9,000 $14.95/quarterif Yes Yes No NA C,T,M No Yes 1.36% No NA C,T,M 11,700 Yes None No No C,T,M 11,700 NA Yes No 8,917 $3.95 6.75% No No 7.00% No $3.95 0.65% $19.45 No No No $6.95 None No $6.95 No No 4.75% 5.25% No $20.00 No No $10.00 $5.00 Yes 750 C,T,M No No 9,578 No Yes No No No Yes LiveBroker No 7,000 No No No C means corporates, T means Treasuriesand % § eiwo nieBrokers Online of Review M mean municipals. NL means no-load C es ECNfees. ECN fees. omsin agnRt MitnneOn $25KCash Maintenance MarginRate Commissions and up 4 tradesin12months. 2 tradesin12months. accounts trading fewer $10,000 orfewerthan $20,000 orfewerthan $25,000 orfewerthan $25,000 orfewerthan than 250,000 shares. 2 tradesin6months. 2 tradesin6months. 2 tradesin6months. 4 tradesin6months. $2,000 orfewerthan and tradingactivity. fewer than3trades based onpackage 50 trades/month. month toqualify. in commissions. trade 30times/ trades peryear. than 20trades. under $25,000 in priorquarter. for fewerthan fewer than3 $10/month con InterestPaid Account for fewer con InterestPaid Account Source: Company data ac ,2005 7, March taxable) (taxable) ac ,2005 7, March o n atclrpouto evc.©20 erl yc,Pec,Fne mt noprtd ebr SIPC. Member, Fenner & Smith Incorporated. Pierce, Lynch, ©2005 Merrill for any product or service. particular letpoiesmltosaefrilsrto ny leteprecsadrslsmyvr.Ti di o nofrt el no Thisad isnot anoffer tosell, Clientexperiences and results may vary. Client profile simulations are forillustration only. design o iedfeetynow. differently live You iemynttk o a nuh erl yc iaca dio,hwvr a epyumk l h ics otae,investmen mortgages, can helpyou make allthepieces— however, LynchFinancial AMerrill Advisor, life may nottake you far enough. ywrigtgte.Experiencethevalue of this integrated approach. by working together. r evc ak fMrilLnh&C. Inc. Lynch & Co., marks of Merrill are service I SDT BE TO USED T Financial Advisor Financial Lynch Merrill Cynthia Hewitt, EEALYUNEEDED YOU ALL WERE o aemr potnte.Mr oeta ifls Your Morepotentialpitfalls. You have moreopportunities. nm a,retirementmeanthaving apension. In myday, and Merrill Lynchhelpsmemanageand Merrill itwisely. I’ve beenretired15 years. We saved what we could PLANNING ADVICE AND SERVICES PLANNING ESTATE , TCSADBNSALONE BONDS AND We’re set. Call a Merrill Lynch Call aMerrill Financial Advisor toda RETIREMENT INVESTMENTS % iaca iei oecmlctd Managed financial lifeismorecomplicated. BANKING BEYOND SERVICES FINANCIAL BUSINESS me go beyond 401 LynchFinancial My Merrill Advisor’s helping Traditional savings won’t beenoughforme. Alittletravel. A littlework. Retirement formeisgoing tobedifferent. I’m going tobesettoo. .N LENDING CREDIT AND PROGRESS TRACKING ( TANYMORE OT k ) s andIRAs. Total Merrill y at 1-800-MERRILL or y at1-800-MERRILL r an invitation toapply and eaaey thepiecesofyo separately, Total Merrill s nuac,rtrmn work harder — retirement insurance, ts, visit www her daughterKim . .totalmerrill.com. Marcia Davis & ur financial

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