MERRILL PERSONAL WEALTH SUMMARY

Financial research; financial information; financial analysis; financial advice; financial planning; financial consultation; financial management; investment brokerage; investment consultation; investment management; investment advice; mutual fund investment; banking services; credit card and debit card services; trading of securities, shares, foreign exchange, commodities, options and other derivative products for others; financial planning for retirement; financial information and services provided online from a computer database or global computer network