THE POWER OF MERRILL LYNCH - YOUR WAY

INSURANCE AGENCY AND BROKERAGE SERVICES; REAL ESTATE FINANCING SERVICES, REAL ESTATE INVESTMENT SERVICES; REAL ESTATE MANAGEMENT SERVICES; REAL ESTATE AGENCY BROKERAGE SERVICES; SECURITY AND COMMODITY BROKERAGE AND DEALING SERVICES; LENDING; UNDERWRITING SECURITIES; INVESTMENT BANKING; MORTGAGE BANKING; FINANCIAL MANAGEMENT SERVICES; AND FINANCIAL ADVISORY SERVICES,