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Get the Most from Your Merrill Statement Learn About Its Features and Benefits Industry Recognition Get the most from your Merrill statement Learn about its features and benefits Industry Recognition Merrill statements have been ranked #1 overall for the past 13 consecutive years in Corporate Insights’ 1 2 Broker Monitor — Annual Statement Analysis . In addition, DALBAR ranked the statement #1 overall for three consecutive years in their Trends and Best Practices in Investor Statements analysis (2015, 2016, and 2017). It’s a snapshot of your finances Your user-friendly Merrill statement gives you a snapshot of where you stand financially — across both sides of your balance sheet and within each Merrill account and product type. While the statement is simple by design and intended to be easy to read, this guide helps to explain its features and benefits and 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, a CD or other storage media. To opt for online delivery and convenient email alerts or to view your documents online, visit mymerrill.com. Inside 3 Get your statement your way 5 Summary pages give you an overview 9 You can review each account’s details 17 You receive only relevant information 22 Additional reports help complete the picture 1 For more information please visit corporateinsight.com 2 For more information please visit dalbar.com Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Get your statement your way Your Merrill statement is based directly on our clients’ recommendations and preferences, which we uncovered through extensive research conducted throughout the country. You’ll find that the statement is logical and easy to use. You’ll also find relevant Merrill phone numbers, Web addresses, and your financial advisor’s name and contact information throughout the statement in case you need to get more information. The statement brings together key information about your investments, retirement savings, credit and lending, estate planning services, and business finances where appropriate. Plus, you can choose optional features, like including an amortization/accretion schedule or selecting how you want your statement delivered to you. Convenient online delivery You can choose online delivery for other account records too, such as performance reports, trade confirmations, To cut down on the amount of paper mail you receive, prospectuses, tax statements, notices and disclosures, you can sign up for secure online delivery. You’ll get your and shareholder notices. statements two to three days faster, and you can view, save or print them. You’ll also be able to access statements • Third-party online access. You can designate read-only from the past seven years. online access to a third party, such as a family member, lawyer or accountant. They can review account balances, Your options for online statement delivery and access include: activity, and monthly brokerage and tax statements for any • Online delivery for all accounts. You receive an email authorized account. notification when your statements are available online, • Statement repagination. This allows you the flexibility with no paper statement mailed. to select specific statements from a linked statement • Mail summary only. The statement summary section package and renumber them so you’ll have a version with is sent to you in the mail, with detail sections available a page count specific to that statement. electronically for you to view online. To enroll in online delivery, log into MyMerrill.com.® From • Delivery options by account. Choose either paper mail the Help & Support tab, select Paperless Settings under or online delivery on an account-by-account basis. You the Account Preferences section. You’ll be able to enter can choose the exact combination of delivery options you your delivery preference for monthly statements and other want for each account. eligible account records. • One-click statement view. With online access, you can view, download, save or print your entire linked statement Statement frequency options package into a single PDF file. For some account types, you can opt to receive summary • Date-range download. You can download, save or print pages on a monthly basis and the individual account multiple statement PDFs from various time frames into statement details quarterly. Speak to your financial advisor a single PDF. to find out which accounts qualify for this feature. 3 Get your statement your way (continued) Less mail with statement linking Personalized accounts By linking your eligible Merrill accounts, you’ll receive Nickname feature. You can personalize individual accounts your statements together in one envelope. Linking your in your statement link with unique identifiers by designating accounts allows you to receive account summary pages a nickname for each. along with detail pages for each account in the linked relationship. It may also make you eligible to earn higher Customizable options you can choose interest rates by putting you in a higher asset tier. Account transaction activity. This default setting lists Contact your financial advisor to learn more. If you’re transactions by category and includes each transaction’s working with the Merrill Advisory Center, please contact date, description, type, quantity, unit price and debit/ a Merrill Financial Solutions Advisor to learn more. credit differentiation. As an alternative, you can opt to receive your account transaction activity listed in Streamlined retirement statement chronological order. To help simplify your financial life, some clients who have Alphabetical sort order for bonds. The default is certain retirement accounts, or who just want a more maturity/callable date order; however, you can elect simplified statement, might be eligible to have the bonds in the Asset section of your account to receive a streamlined version of the retirement listed in alphabetical order. statement so it’s easier to understand your investment holdings and activity. Amortization/Accretion schedule. You can opt in to receive an amortization/accretion schedule that provides The streamlined version of the retirement statement additional details such as year to date, life to date, and presents information in a logical, clear and easy-to-read adjusted total cost basis for certain fixed-income securities design that resembles other Merrill statements. and/or bonds that you purchased at a premium or discount. Plus, it consolidates the individual tax lots and includes The schedule is provided at the account level and will report categorical holdings, account level “cash flow” and open and closed lots at the security level. a separate listing of money fund transactions. 4 Summary pages give you an overview Your Merrill statement is designed to make it easy to locate information. It’s based on as many as five summary pages, supported by account detail pages. Below and on the pages that follow, we’ll show you the key features of the statement’s summary section. Not all clients will receive all the summary pages. Your Wealth Management Report Primary Account: 1X1-11X11 This page shows your personal balance JOHN Q CUSTOMER AND MARY CUSTOMER I May 01, 2019 - May 31, 2019 123 ANY STREET WEALTH MANAGEMENT REPORT sheet — your assets and liabilities in one view. APT 1A SUMMARY May 31 April 30* Month Change ANYTOWN, ST 12345-6789 1 Total Value $6,685,573.43 $7,357,503.15 ($671,923.66) q 1 Your assets $5,730,079.96 $6,911,913.15 ($1,181,827.13) q 2 1. Summary Your liabilities ($97,900.00) ($12,410.00) 3 Assets Not Held/Valued By MLPF&S $1,053,393.47 $458,000.00 $595,393.47 L Your Net Cash Flow (Inflows/Outflows) $22,959.82 $381,349.29 This section highlights changes in net cash Securities You Transferred In/Out — — Subtotal Net Contributions $22,959.82 $381,349.29 If you have questions on your statement, flow, securities deposits/withdrawals and call 24-Hour Assistance: Your Dividends/Interest Income $13,314.87 $71,168.07 (800) MERRILL Your Market Gains/(Losses) ($708,198.35) $42,381.00 (800) 637-7455 Subtotal Investment Earnings ($694,883.48) $43,583.21 market change. Note: Market Gains/Losses is Access Code: XX-XXX-XXXX *Link relationship change. Values for the last period include the accounts currently in the link relationship as of this statement period. Investment Advice and Guidance: based on a calculation of your opening/closing 1Total Value includes Assets Not Held/Valued by MLPF&S. Amount includes alternative investments. Unless otherwise noted, alternative Call Your Financial Advisor investments are not registered in the name of nor held by MLPF&S or its nominees and alternative investment amounts are provided for informational purposes only. Your Financial Advisor: value plus or minus any debits, credits and JOHN Q ADVISOR Total Value (Net Portfolio Value plus Assets Not Held/Valued By MLPF&S, if any) in millions, 2014-2019 456 ANY STREET ANYTOWN, ST 12345-6789 2 securities transferred in/out of the account. [email protected] (000) 000-0000 7.35 6.68 5.15 Up-to-date account information can be viewed at: 5.11 4.93 2. Net portfolio value www. mymerrill.com, where your statements 4.72 are archived for three or more years. 4.17 4.50 Questions about MyMerrill? Click the “help” tab This graph displays trends over the past at the top of the screen once you log in.
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