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Thus, after December 31, 2009, funds held in the MLBDP Fully FDIC Insured Sweep will no longer be guaranteed in full under the TAG Program, but will be insured up to $250,000 per depositor per Merrill Lynch Affiliated Bank under the FDIC's general deposit rules. As a reminder, since two Merrill Lynch affiliated banks participate in the MLBDP, clients can benefit from FDIC insurance up to $500,000 for individual accounts/$1,000,000 for joint accounts.</p> <p><a href="#top">Back to top</a></p> <p> </p> <p><a name="Information" id="Information"></a><b>Information on Reporting Errors and Canceling Certain Transfers Going Outside Of the U.S. (Remittance Transfers)<b> </b>Errors</b><br/> If you believe there has been an error or problem with a wire transfer initiated by you from your U.S. based brokerage account to a recipient outside of the United States (a "remittance transfer"), please contact your Financial Advisor by calling or writing to the office that services your account. If you do not know how to reach the office that services your account, call (800) MERRILL (637.7455).</p> <p> </p> <p>If you believe there has been an error or problem with a wire transfer initiated by you from your Trust Management Account (“TMA”) to a recipient outside of the United States (a "remittance transfer"), please contact your trust team by calling or writing to us at the address below. If you do not know how to reach the trust team that services your account, call (800) 878.7878.</p> <p><br/> Trust Wires<br/> TX1-492-08-30<br/> P.O. Box 830269<br/> Dallas, TX 75283-0269<br/> </p> <p> </p> <p>You must make contact, within 180 days of the date we promised to you that funds would be made available to the recipient.</p> <p>When you contact your Financial Advisor or trust team, please tell him/her:</p> <p>1. The error or problem with the transfer, and why you believe it is an error or problem;</p> <p>2. The name of the person receiving the funds, and if you know it, his or her telephone number or address;</p> <p>3. The dollar amount of the transfer; and</p> <p>4. The confirmation code or number of the transaction.</p> <p>We will determine whether an error occurred within 90 days after you contact your Financial Advisor or trust team and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.</p> <p> </p> <p><b>Cancellation</b><br/> You have the right to cancel a remittance transfer and obtain a refund of all funds paid to us, including any fees.</p> <p> </p> <p>In order to cancel, for a U.S. based brokerage account, you must contact your Financial Advisor within 30 minutes from the time you authorized the transfer. If you cannot reach your Financial Advisor, please call (800) MERRILL (637.7455).</p> <p> </p> <p>In order to cancel, for a Trust Management Account (“TMA”), you must contact your trust team within 30 minutes from the time you authorized the transfer. If you cannot reach your trust team, please call (800) 878.7878</p> <p> </p> <p>When you contact your Financial Advisor or trust team, you must provide him/her with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent.</p> <p> </p> <p>We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account.</p> <p> </p> <p>For questions or complaints about remittance transfers sent through Merrill Lynch, you may contact:</p> <p>Consumer Financial Protection Bureau<br/> 855.411.2372<br/> 855.729.2372 (TTY/TDD)<br/> <a target="_blank" href="http://www.consumerfinance.gov/sending-money">http://www.consumerfinance.gov/sending-money</a></p> <p> </p> <p><a href="#top">Back to top</a></p> <p> </p> <p><a name="msrb" id="msrb"></a><b>MSRB Rule G-10 Investor Education and Protection</b></p> <p><br/> Merrill Lynch, Pierce, Fenner & Smith Incorporated is registered with the U.S. Securities and Exchange Commission and the Municipal Securities Rulemaking Board (MSRB). An investor brochure that describes the protections that may be provided by MSRB rules and how to file a complaint with an appropriate regulatory authority is available on the MSRB website at <a href="https://www.msrb.org/" target="_blank">www.msrb.org</a>.</p> <p> </p> <p><a name="finrarule5270" id="finrarule5270"></a><a href="#top">Back to top</a></p> <p> </p> <p><b>FINRA Rule 5270 Block Order Handling Disclosure</b><br/> Pursuant to FINRA Rule 5270 regarding block transactions in any security or related financial instrument, we disclose that, Merrill Lynch may trade on a principal basis ahead of, or alongside, your block order at prices that would satisfy your order when such trades are for the purpose of fulfilling, or facilitating the execution of, your order. For these orders you may instruct us that you do not wish us to trade principally ahead of, or alongside, your order for these purposes. However, such instruction will limit the range of execution alternatives that we are able to offer.</p> <p> </p> <p>A copy of Rule 5270 can be obtained at <a href="https://www.finra.org/" target="_blank">https://www.finra.org/</a>. Please contact your financial advisor if you have questions regarding how your block orders are handled.</p> <p> </p> <p><a name="orderhandling" id="orderhandling"></a><a href="#top">Back to top</a></p> <p> </p> <p><b>Order Handling</b><br/> In the interest of increasing transparency regarding Merrill Lynch, Pierce Fenner & Smith Incorporated’s (“Merrill Lynch”) execution services in light of recent periods of extreme market volatility, we are providing you with additional information about our order handling procedures. Consistent with our duty of best execution, we handle your orders so as to obtain competitive execution prices, we regularly review the quality of our executions, we seek the most favorable terms reasonably available for your orders under prevailing market conditions, and we seek to execute your marketable orders fully and promptly. During volatile or extreme market conditions, we may determine to make changes to our order handling procedures when warranted, including cancelling orders or placing restrictions on your accounts, and we may do so without prior notice to you. If we determine to make changes to our order handling procedures, we will do so in a manner that is fair to our customers, consistent and reasonable, with a goal of preserving the continued execution of our customers’ orders consistent with our best execution obligations.</p> <p> </p> <p>Market conditions such as high volumes of trading at the market opening or intra-day may cause delays in execution and executions at prices significantly away from the market price quoted or displayed at the time your order was entered. Similarly, because we may route your orders to other broker-dealers for execution, any adjustments made by those executing broker-dealers to their order handling procedures and any delays they experience may impact the execution of your orders. You may suffer market losses during periods of volatility in the price and volume of a particular security due to delays or interruptions in placing or executing orders.</p> <p> </p> <p>Merrill Lynch executes various order types itself or through one or more of its affiliates. You should carefully review the differences among the order types you may place through Merrill Lynch and consider the order type you place. Stop orders are not guaranteed to execute as the order will not be triggered unless the stop price is reached and, once triggered, a stop order becomes a market order and execution prices can deviate significantly from the stop price, particularly during volatile or extreme market conditions. Similarly, limit orders will be executed only at the specified limit price or better and, as such, while limit orders can help manage some of the risks during volatile or extreme market conditions, limit orders are not guaranteed to execute. Further, we may reject or cancel orders with limit prices that we deem to be too far away from the market price.</p> <p> </p> <p>Unless agreed otherwise with us in writing, you can place orders with Merrill Lynch during regular trading hours on days on which trading in securities generally occurs on the New York Stock Exchange (generally between 9:30 a.m. and 4:00 p.m. (ET), Monday through Friday). Orders placed outside of regular U.S. trading hours, including orders for foreign securities if your account is eligible for such trading, generally will not be executed until the next trading day. Similarly, Merrill Lynch’s support services for orders placed for foreign securities, such as changes to the order instructions or cancellations, will typically be limited to regular U.S. trading hours.</p> <p> </p> <p><a href="#top">Back to top</a></p> <p> </p> <p><a name="CallableSecurities" id="CallableSecurities"></a><b>Callable Securities/Procedures for partial redemption</b></p> <p><br/> If you hold securities with Merrill Lynch that may be called or redeemed prior to maturity and a partial call occurs, we will follow the process described below to determine the securities to be selected as called from all impacted clients.</p> <p> </p> <p>Once we are notified by our custodian of the total call quantity of a partial redemption, we use a systematic lottery process designed to allocate called securities on a fair and impartial basis. 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