Merrill Lynch Financial Advisors are highly trained to help you achieve your personal financial goals. They are skilled professionals who can work with you to develop sound investment strategies suited to your individual needs. When you combine the expertise of a Merrill Lynch Financial Advisor with the capabilities of Merrill Lynch OnLine - our online service that provides 24-hour access to your portfolio - you form a uniquely effective partnership.

At Merrill Lynch, we believe that achieving financial success begins with creating a sound financial strategy with your Merrill Lynch Financial Advisor. This strategy will consider your personal goals, investment profile, risk tolerance, retirement needs and time horizon, and other relevant needs and goals.

Merrill Lynch OnLine provides 24-hour access to your account information. You can see your account balances and portfolio holdings, asset allocation charts, account activity and monthly statements. Even your year-end tax reporting statements are now available through Merrill Lynch OnLine.

With Merrill Lynch OnLine, you can place orders online for most U.S. listed over-the-counter equities and mutual funds. You can also visit our online IPO Center - an area for Merrill Lynch clients exclusively - to review offerings and register* to participate in IPOs.

* Restrictions apply

Now, qualified clients enrolled in Merrill Lynch OnLine can enroll for online option order entry. Depending upon approval, you can enter orders to sell covered equity calls, buy both equity and index puts and calls (to open) and corresponding closing transactions online, while still working in tandem with your Merrill Lynch Financial Advisor to achieve your investment goals.

Please contact your Financial Advisor for details about the fees associated with Merrill Lynch OnLine Client Order Entry and Option Order Entry, and to see if these services meet your financial needs.

Our Web Bill Pay service lets you pay bills online quickly and easily. You can also use our free Funds Transfer Service to move funds between Merrill Lynch accounts or accounts at other financial institutions.

Merrill Lynch OnLine provides research on any company BAS-ML follows, including fundamental research information on equities, investment opinion and earnings estimate changes, investment overviews, and our weekly "BAS- ML US 1" stock list. The BAS-ML US 1 list represents a collection of investment ideas selected by a committee of BAS-ML professionals, including fundamental equity research analysts, investment strategists and research managers. The list is chosen from a universe of U.S. stocks that BAS-ML has rated "Buy."