1. TYLER GROUP https://www.fs.ml.com/publish/public/privacy_security/privacy_security.asp

2. Welcome to Merrill Lynch's Privacy and Security Center TYLER GROUP Your personal information is a valuable part of your financial life. It serves as your key for transacting business — in person, on the phone and online. We strongly recommend that you protect your information in the same way you monitor your financial accounts. Reviewing the information in Merrill Lynch's Privacy and Security Center is a good place to start.

3. Merrill Lynch is committed to protecting the privacy and security of your personal information. We have developed this Privacy and Security section of our Web site so you can: Review our online privacy statement, US Privacy Policy, Non- US Policy and online fraud protection guarantee TYLER GROUP

4. Learn more about our fraud protections for credit card, banking and brokerage transactions Understand our company-wide policies and procedures for handling our clients' personal information Be introduced to the information technology safeguards we implement to protect our networks TYLER GROUP

5. In addition, you can also find comprehensive information on identity theft and fraud — such as how it happens, ways to protect yourself, and how to report identity theft and fraud. If you need to report identity theft or fraud, or if you have questions, please call us at 1-800-MERRILL (637-7455), or contact your Financial Advisor. TYLER GROUP