Get the most from your Merrill Edge® statement

Transcription

Get the most from
your Merrill Edge®
statement
Learn about its features and benefits
It’s a snapshot of your finances
Your user-friendly Merrill Edge® statement gives you a snapshot of
where you stand financially — across both sides of your balance sheet
and within each Merrill Lynch account and product type.
While the statement is simple by design and intended to be easy to
read, this guide helps to explain its features and benefits and answer
any questions you might have.
You can view your statements, your trade confirmations and this
guide online. And you can print your statements or save them to
your computer, a CD or other storage media. To opt for online delivery
and convenient email alerts or to view your documents online, visit
merrilledge.com.
Inside
Get your statement your way��1
Summary pages give you an overview��2
You can review each account’s details��5
You receive only relevant information ��11
Additional reports help complete the picture ��13
Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center™
(investment guidance) and self-directed online investing.
MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.
Investment products:
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
Get your statement your way
Your Merrill Edge statement is based directly on our clients’ recommendations and preferences, which we uncovered
through extensive research conducted throughout the country. You’ll find that the statement is logical and easy to
use. You’ll also find relevant Merrill Edge phone numbers and Web addresses throughout the statement in case you
need to get more information.
The statement brings together key information about your Merrill Edge accounts. It illustrates that your money really
does work harder when it works together. Plus, you can choose optional features, like including an amortization/accretion
schedule or selecting how you want your statement delivered to you.
Convenient online delivery
Less mail with statement linking
To cut down on the amount of paper mail you receive, you can sign
up for secure online delivery. You’ll get your statements two to three
days faster, and you can view, save or print them. You’ll also be able
to access past statements.
By linking your eligible Merrill Edge accounts, you’ll receive your
statements together in one envelope. Linking your accounts allows
you to receive account summary pages along with detail pages for
each account in the linked relationship. It may also make you eligible
to earn higher interest rates by putting you in a higher asset tier.
If you’re working with the Merrill Edge Advisory Center, please
contact a Financial Solutions Advisor to learn more. If you’re a
self-directed investing client, contact the Investment Center.
Your options for online statement delivery and access include:
••
Online delivery for all accounts. You receive an email
notification when your statements are available online, with
no paper statement mailed.
Streamlined retirement statement
••
Mail summary only. The statement summary section is sent
to you in the mail, with detail sections available electronically
for you to view online.
To help simplify your financial life, some clients who have certain
retirement accounts, or who just want a more simplified statement,
might be eligible to receive a streamlined version of the retirement
statement so it’s easier to understand your investment holdings
and activity.
••
Delivery options by account. Choose either paper mail or online
delivery on an account-by-account basis. You can choose the exact
combination of delivery options you want for each account.
The streamlined version of the retirement statement presents
information in a logical, clear and easy-to-read design that resembles
other Merrill Lynch statements. Plus, it consolidates the individual
tax lots and includes categorical holdings, account level “cash flow”
and a separate listing of money fund transactions.
••
One-click statement view. With online access, you can view,
download, save or print your entire linked statement package into
a single PDF file.
••
Date-range download. You can download, save or print multiple
statement PDFs from various time frames into a single PDF.
Personalized accounts
You can choose online delivery for other account records too, such
as performance reports, trade confirmations, prospectuses, tax
statements, notices and disclosures, and shareholder notices.
Nickname feature. You can personalize individual accounts in your
statement link with unique identifiers by designating a nickname
for each.
••
Third party online access. You can designate read-only
online access to a third party, such as a family member,
lawyer or accountant. They can review account balances,
activity, and monthly brokerage and tax statements for any
authorized account.
Customizable options you can choose
Account transaction activity. This default setting lists transactions
by category and includes each transaction’s date, description, type,
quantity, unit price and debit/credit differentiation. As an alternative,
you can opt to receive your daily account transaction activity listed
in chronological order.
••
Statement repagination. This allows you the flexibility to
select specific statements from a linked statement package
and renumber them so you’ll have a version with a page count
specific to that statement.
Alphabetical sort order for bonds. The default is maturity/callable
date order; however, you can elect to have the bonds in the Asset
section of your account listed in alphabetical order.
To enroll in online delivery, log into merrilledge.com. From the Client
Services tab, select “Go Paperless with Online Delivery” under
the Delivery Preferences section. By selecting the Notification
Settings tab, you’ll be able to enter your delivery preference for
monthly statements and other eligible account records.
Amortization/Accretion schedule. You can opt in to receive
an amortization/accretion schedule that provides additional details
such as year to date, life to date, and adjusted total cost basis for
certain fixed-income securities and/or bonds that you purchased at
a premium or discount. The schedule is provided at the account level
and will report open and closed lots at the security level.
Statement frequency options
For some account types, you can opt to receive summary pages on a
monthly basis and the individual account statement details quarterly.
If you’re working with the Merrill Edge Advisory Center, please
contact a Financial Solutions Advisor to learn more. If you’re a selfdirected investing client, contact the Investment Center.
1
Summary pages give you an overview
Your Merrill Edge statement is designed to make it easy to locate information. It’s based on as many as five summary
pages, supported by account detail pages. Below and on the pages that follow, we’ll show you the key features of the
statement’s summary section. Not all clients will receive all the summary pages.
Your Merrill Edge Report
This page shows your personal balance sheet —
your assets and liabilities in one view.
Primary Account: 1X1-45678
■ YOUR MERRILL EDGE REPORT
JOHN Q CUSTOMER AND
MARY CUSTOMER
123 ANY STREET
APT 1A
ANYTOWN, ST 12345-6789
PORTFOLIO SUMMARY
Net Portfolio Value
Your Assets
Your Liabilities1
November 30
Month Change
$69,642.91
$69,642.91
—
$67,545.97
$67,545.97
$2,096.94
$2,096.94
$136.67
—
$136.67
($1.87)
—
($1.87)
$99.54
$1,860.73
$1,960.27
$53.45
$1,709.23
$1,732.68
Your Net Cash Flow (Inflows/Outflows)
Securities You Transferred In/Out
Subtotal Net Contributions
1
Investment Advice and Guidance and
Questions About Your Statement,
Call a Financial Solutions Advisor:
Mon-Fri, 7:30 a.m.- 1:00 a.m., (ET)
(888) ML-INVEST (654-6837)
24 Hour Account Information & Services
Your Dividends/Interest Income
Your Market Gains/ (Losses)
Subtotal Investment Earnings
December 01, 2015 - December 31, 2015
December 31
▲
▲
—
2. Net portfolio value
This graph displays trends over the past five years,
including the current year.
Total Value (Net Portfolio Value plus Assets Not Held/Valued By MLPF&S, if any) in thousands, 2010-2015
Your Merrill Lynch Office:
Merrill Edge Advisory CenterTM
NJ2-140-02-17
P.O. BOX 1501
PENNINGTON, NJ 08534
58.7
61.5
65.8
64.7
66.9
67.7
67.1
67
69.6
67.5
67.5
1. Portfolio summary
This section highlights changes in net cash flow,
securities deposits/withdrawals and market change.
2
Up-to-date account information can be viewed
at: www.merrilledge.com, where your statements
are archived for three or more years.
12/10
Questions about www.merrilledge.com? Click the
“help” tab at the top of the screen once you log in.
12/11 12/12 12/13
12/14 1Q/15 2Q/15 3Q/15* 10/15 11/15 12/15
* Link relationship change.
Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details.
1
E-DELIVERY IS CONVENIENT AND SECURE
Receiving account records electronically can be safer and more secure because it helps reduce the threat of mailbox theft while protecting your private information. Reducing
paper is also good for the environment. Visit merrilledge.com to enroll in e-delivery.
Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online
investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). MLPF&S is a registered broker-dealer, Member SIPC and a
wholly owned subsidiary of Bank of America Corporation. Investment products:
May Lose Value
001
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Your Accounts
This page lists all your linked accounts and
the corresponding page numbers within the
statement package.
4
Account Number: 1X1-45678
■ YOUR ACCOUNTS
Account No.
■
INVESTMENTS & CASH MANAGEMENT
■
RETIREMENT
■
CREDIT & LENDING
JOHN Q CUSTOMER AND
Margin Available Credit: 1,843,267.00
MARY’S RETIREMENT
24-Hour Assistance: (888) ML-INVEST
3
Account Type/Managing Firm
December 31
November 30
Page
1X1-45678
CMA
$49,417.54
$47,653.89
6
1X1-56789
IRA
$20,225.37
$19,054.66
17
JOHN Q CUSTOMER AND
0123456789
Mortgage as of 12/28/15
(168,612.50)
(170,972.50) †
JOHN Q CUSTOMER AND
9876543210
Home Equity as of 12/28/15
(15,000.00)
(15,500.00) †
Available Credit: 200,000.00
Subtotal
(183,612.50)
(186,472.50)
Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. † Previous month’s mortgage and home equity balances are
not as of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement.
■
ESTATE PLANNING SERVICES
■
SOLUTIONS FOR BUSINESS
Merrill Lynch does not provide tax or legal advice. Please consult with your tax and legal advisors.
Manage expenses and earn rewards points with a Merrill Rewards for BusinessTM credit card. Ask your Financial Advisor.
All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other
depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see the section titled "Protection for Your Account" on the
second to last page of your statement for more information.
These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying accounts
may have different owners and use of “you” or “your” in these reports refer to all owners. The enclosed separate account statements are the official record for each account.
001
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2
3. Portfolio level summary
Here you can see your accounts summarized in
one view. Margin available credit is displayed for
applicable accounts. The page is organized by
product categories and provides a clear, concise
overview of your account’s status.
4. Open 24/7
Our 24-hour assistance number appears
prominently on every other page. Your
statement also features contact information
for the Merrill Edge Advisory Center.
Summary pages give you an overview (continued)
Your Balance Sheet
■ YOUR BALANCE SHEET (for your Merrill Edge accounts)
ASSETS
Cash/Money Accounts
Fixed Income
Equities
Mutual Funds
Options
Other
Subtotal (Long Portfolio)
TOTAL ASSETS
LIABILITIES
5
March 31
February 27
18,161.10
—
46,815.68
4,666.13
—
—
69,642.91
$69,642.91
17,265.93
—
45,746.16
4,533.88
—
—
67,545.97
$67,545.97
—
—
—
—
—
—
69,642.91
$67,545.97
Margin Loan/Debit Balance
Short Market Value
Subtotal
NET PORTFOLIO VALUE
Loan Management Account
Mortgages
Home Equity Loans
Business Loans
Subtotal
TOTAL LIABILITIES
(1)
—
—
—
—
—
—
—
—
—
—
—
—
This Report
Opening Cash/Money Accounts
CREDITS
Funds Received
Electronic Transfers
Other Credits
Subtotal
DEBITS
Margin Interest Charged
Other Debits
Visa Purchases
ATM/Cash Advances
Checks Written/Bill Payment
Subtotal
Closing Cash/Money Accounts
Year to Date
$17,265.93
1,487.73
500.00
250.00
2,237.73
2,548.20
700.00
250.00
3,498.20
(950.00)
—
(602.69)
(54.03)
(151.50)
(342.84)
(2,101.06)
(550.00)
—
(972.29)
(200.07)
(301.50)
(120.78)
(2,144.64)
136.67
99.54
—
658.96
$1,353.56
210.27
-658.96
$18,161.10
—
690.00
Net Cash Flow
Dividends/Interest Income
Security Purchases/Debits
Security Sales/Credits
OTHER LIABILITIES (not included in Net Portfolio Value)
(1)
CASH FLOW
Secured by assets in a Merrill Edge account
001
This page clearly presents your assets and
liabilities, demonstrating the value of consolidating
and integrating asset management with debt
management.
5. Liabilities
This section clearly differentiates classes of
liabilities and provides information on margin
accounts, securities-based lending, mortgages
and/or home equity loans with Merrill Lynch
Home Loans™, and business loans. Information
about Merrill Lynch Home Loans mortgages and/
or home equity loans will appear automatically on
your statement unless you have selected a privacy
choice that prohibits this.*
0000
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* For clients who are residents of California and Vermont, information about your Merrill Lynch Home Loan mortgage and/or home equity loan will appear on your
statement only if you have provided affirmative written consent. Any first and/or home equity mortgage client who wishes to change an existing privacy election
must provide written consent.
If you have any questions, or want to obtain instructions and a Consent to Change form, you can call a loan servicing agent directly at 888.412.8625 or visit
merrillhomeloans.com.
Your Portfolio Review
We’ve laid out this information in four quadrants
to make it easy to access and understand.
■ YOUR PORTFOLIO REVIEW
ASSET ALLOCATION*
6
8
* Estimated Accrued Interest not included; may not reflect all holdings; does not
include asset categories less than 1%; includes the categorical values for the
underlying portfolio of individual mutual funds, closed end funds, and UITs.
Equities
CURRENT INCOME
$10,651
$5,326
Current Value
Allocation
309,822.30
44%
Fixed Income
214,917.27
30%
Cash/Money
Accounts
128,850.48
18%
Alternative
Investments
TOTAL
55,489.50
8%
709,079.55
100%
$0
Jan Feb Mar Apr May Jun Jul
Tax-Exempt Interest
Taxable Interest
Tax-Exempt Dividends
Taxable Dividends
Total
Aug Sep Oct Nov Dec
This Report
232.50
360.25
1.46
138.00
$732.21
Year To Date
1,818.03
2,432.06
58.06
501.00
$15,109.14
Your Estimated Annual Income
BOND MATURITY SCHEDULE
Maturity Years
1–2
2–5
10–15
Total
TOP FIVE PORTFOLIO HOLDINGS
7
Does not include Fixed Income Mutual Funds
$19,467.00
Based on Estimated Market Value
% of Total
Bond Assets
Par Value
Estimated
Market Value
27%
58%
15%
100%
40,000
85,000
80,000
205,000
42,300.00
89,953.97
23,666.00
$155,919.97
Lowes Companies
✢ ML BANK DEPOSIT PROGRAM
✢ FDIC INSURED NOT SIPC COVERED
Hawaii St. Hsg Fin & Dev
Hewlett Packard Co Del
Hawaiian Electric Inc
Current Value
% of
Portfolio
214,200.00
126,393.00
18.51%
10.92%
89,953.97
71,370.00
49,500.00
7.77%
6.17%
4.28%
9
001
0000
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6. Asset allocation
This section shows how your account is allocated
among the following asset categories as a dollar
value and a percentage: cash/money accounts,
fixed income, equities, alternative investments,
529 portfolios and other. A footnote may appear
regarding allocation of mutual funds, if applicable.
7. Bond maturity schedule
This section shows the total value of your bond
portfolio within defined maturity ranges. The table
points out the par value of the bond portfolio
residing within each maturity range.
8. Current income
This section graphically depicts monthly and year-todate income. Additionally, it delineates interest paid on
taxable versus tax-exempt securities and displays the
values of both taxable and tax-exempt dividends.
9. Financial market indicators
This chart appears on the Your Portfolio Review page
if you are not eligible to receive one of the other
charts. It shows the value of major market indicators
for both the current and prior periods.
3
Summary pages give you an overview (continued)
Your Monthly Income
& Gain/(Loss) Review
■ YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW
INCOME SUMMARY 10
This Report
TaxTaxTotal
This Report
Exempt
Taxable
Exempt
Taxable
Account No.
Interest
Interest
Dividends
Dividends»
Income
Non-Retirement
1X1-45678
–
–
–
57
57
Retirement
1X1-56789
–
–
43
–
43
TOTAL
–
–
GAIN/(LOSS) SUMMARY
11
$43
$57
Year to Date
TaxTaxTotal
Exempt
Taxable
Exempt
Taxable
YTD
Interest
Interest
Dividends
Dividends
Income
$100
Realized Gains/(Losses)
This Report
YTD
This Report
YTD
Account No.
Short Term
Short Term
Long Term
Long Term
Non-Retirement
1X1-45678
–
–
–
–
Retirement
1X1-56789
–
–
–
-TOTAL
001
–
–
–
–
–
–
155
–
–
55
–
55
–
–
$55
$155
$210
Long Term Capital
Gain Distributions
Year To Date
--
155
Unrealized
Gains/(Losses)
Short Term
Long Term
(104.60)
(10,835.20)
N/A
3.87
(2,549.49)
--
($100.73)
($13,384.69)
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4
This page provides a summary of income from
interest and dividends, as well as information
on gains and losses for each account during the
current month and year to date.
10. Income summary
This section shows income generated and received
during the month and year to date. The table
separates interest received on tax-exempt securities
from that received on taxable securities and displays
the values of both taxable and tax-exempt dividends.
Total values are shown for each account and for your
overall portfolio.
11. Gain/(Loss) summary
This section shows long- and short-term gains
and losses, both realized and unrealized, for each
account and year-to-date values for long-term
capital gain distributions.
You can review each account’s details
We’ve selected a sample Cash Management Account® (CMA® account) to give you a sense of the account detail
available in your Merrill Edge statement. While specific sections may not appear in all statements, you’ll find that
the information is presented consistently for each account type.
Account Summary Page 1
Online at www.merrilledge.com
$49,417.54
NET PORTOFOLIO VALUE:
Your Merrill Lynch Office:
Merrill Edge Advisory CenterTM
NJ2-140-02-17
P.O. Box 1501
Pennington, NJ 08534
THIS IS A LINE OF 30 CHARACTER
JOHN Q CUSTOMER
123 ANY STREET
ANYTOWN, ST 12345-6789
TO ACCOMODATE MAXIMUM OF
6 LINES TOTAL DEPTH
■ CMA® ACCOUNT
1
This Statement
Opening Value (11/30)
Year to Date
$47,653.89
Total Credits
Total Debits
Market Gains/(Losses)
2,294.63
(2,098.77)
-1,567.82
Closing Value (12/31)
-----
$49,417.54
Investment Advice and Guidance and
Questions AboutYour Statement,
Mon-Fri: 7:30 a.m. - 1:00 a.m. ET:
(888) ML-INVEST (654-6837)
24-Hour Account Information & Services
ASSETS
Cash/Money Accounts
Fixed Income
Equities
Mutual Funds
Options
Other
Subtotal (Long Portfolio)
December 31
8,935.64
-39,477.51
1,004.39
----49,417.54
November 30
8,080.42
-38,589.77
983.30
----47,653.89
$49,417.54
$47,653.89
TOTAL ASSETS*
2
LIABILITIES
Debit Balance
Short Market Value
-----
NET PORTFOLIO VALUE
-----
--
---
$49,417.54
$47,653.89
TOTAL LIABILITIES
This first summary page gives you the opening and
closing values for the account. It also summarizes total
credits, total debits, the securities you transferred,
and market gains and losses during the month and
year to date. The total value is highlighted.
1. Assets
You’ll see current month and prior month values
for all asset categories in the account.
2. Liabilities
Margin loan/debit balances and short position
values are included here; Merrill Lynch Home Loans
home equity lines, mortgages and other loans
appear only on the Your Accounts and Balance Sheet
summary pages, if applicable. Margin available credit
is displayed, if applicable.
Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online
investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). MLPF&S is a registered broker-dealer, Member SIPC and a
wholly owned subsidiary of Bank of America Corporation. Investment products:
May Lose Value
001
0000
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Account Summary Page 2
Primary Number: 1X1-45678
CMA® ACCOUNT
3
CASH FLOW
Opening Cash/Money Accounts
CREDITS
Funds Received
Other Credits
Subtotal
DEBITS
Margin Interest Charged
Other Debits
Visa Purchases (debits)
ATM/Cash Advances
Checks Written/Bill Payment
Subtotal
Net Cash Flow
OTHER TRANSACTIONS
Dividends/Interest Income
Security Purchases/Debits
Security Sales/Credits
Closing Cash/Money Accounts
001
4
24-Hour Assistance: (877) 653-4732
5
This Statement
$8,080.82
Year to Date
1,487.73
500.00
250.00
2,237.73
2,548.20
700.00
250.00
3,498.20
(950.00)
-(600.40)
(54.03)
(151.50)
(342.84)
(2,098.77)
$138.96
(550.00)
-(970.00)
(200.07)
(301.50)
(120.78)
(2,142.35)
1,355.85
56.90
-658.96
$8,935.64
--
154.85
-658.96
690.00
ASSET ALLOCATION*
* Estimated Accrued Interest not included; may not reflect all holdings; does not
include asset categories less than 1%; includes the categorical values for the
underlying portfolio of individual mutual funds, closed end funds, and UITs.
Allocation
Equities
81.92%
Cash/Money
Accounts
18.08%
TOTAL
6
5. Asset allocation
This chart summarizes the allocation of your assets
as a percentage at the account level.
DOCUMENT PREFERENCES THIS PERIOD
Statements
Performance Reports
Trade Confirms
Shareholders Communication
Prospectus
Service Notices
Tax Statements
X
3. Cash flow
Here you’ll find an easy-to-use summary of credits
and debits for the account — for the month and
year to date.
4. Other transactions
You’ll see dividends and interest income, dividend
reinvestments, and security purchases and sales.
100%
Mail
This second summary page continues with a clear
picture of your account’s makeup and activity.
Online
Delivery
X
X
X
X
X
X
6. Document preferences this period
This section lists the account documents that are
mailed to you and those that you receive online.
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5
You can review each account’s details (continued)
Account Details
JOHN Q CUSTOMER AND
7
ACCOUNT INVESTMENT OBJECTIVE
TOTAL RETURN: Objective is to strike a balance between current income and growth. Despite the relatively balanced nature of the portfolio, the investor should be willing to assume the
risk of price volatility and principal loss.
If you have changes to your investment objective, please contact your Financial Advisor(s).
8
YOUR CMA BANK DEPOSIT INTEREST SUMMARY
Money Account Description
Opening Balance
Bank of America N.A.
Bank of America CA, N.A.
TOTAL ML Bank Deposit Program
Average
Deposit Balance
Current
Yield%
Interest on
Deposits
Closing
Balance
98,010
3,010
3.01
3.01
344.75
15.50
$360.25
122,369
3,625
125,994
97,479
0
97,479
9
ITEMS FOR ATTENTION
Security
Message
EMC CORPORATION MASS
JPM 0027 7/2
Opinion Upgraded
Option Expiring
Date
Security
Message
PFIZER INC DEL PV $0.05
Opinion Downgraded
Date
01/29/16
YOUR CMA ASSETS
CASH/MONEY ACCOUNTS
Description
CASH
✢ ML BANK DEPOSIT PROGRAM
✢FDIC INSURED NOT SIPC COVERED
Total
Estimated
Estimated
Estimated
Est. Annual
Quantity
Cost Basis
Market Price
Market Value
Annual Income
Yield%
126,393
1.00
126,393.00
1.0000
1.36
126,393.00
3,804
126,394.36
3,804
126,394.00
TOTAL
001
3.01
3.01
7. Account investment objective
Your account’s investment objectives are stated here
as Growth, Total Return and/or Income, based on
your election.
8. Your bank deposit interest summary
If applicable, this section shows balances on your
bank deposits with Bank of America, N.A. (BANA),
and/or Bank of America CA, N.A., an FDIC-insured
institution and a subsidiary of Bank of America
Corporation, as well as an affiliate of Merrill Lynch.
9. Items for attention
Look here for changes in research opinions on equity
positions, alerts that options are expiring or bonds
are maturing, and other important messages.
0000
1 of 26
Your Assets
JOHN Q CUSTOMER AND
YOUR CMA ASSETS
CDs/EQUIVALENTS
Description
Acquired
+ CD AMERICAN NTL BK & TRST
12/20/13
CHICAGO, ILLINOIS 06.950% DEC 30 2016
CUSIP: 12345689
YTD PREMIUM AMORTIZATION: 67.00
TOTAL
GOVERNMENT AND AGENCY SECURITIES1
Description
Acquired
Quantity
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
40,000
40,492.00
105.7500
42,300.00
1,808.00
40,000
40,492.00
42,300.00
1,808.00
Quantity
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
3,263.00
110.0000
3,589.00
326.00
+ GNM P246518 09 50% 2020
09/07/90
60,000
CUSIP: 123456789
AMORTIZED FACTOR 0.054385870 AMORTIZED VALUE 3263
ORIGINAL UNIT/TOTAL COST: 100.00/600.00
TOTAL
CORPORATE BONDS
Description
Acquired
60,000
3,263.00
3,589.00
326.00
Quantity
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
20,000.00
100.3850
20,077.00
77.00
NM BANK AMERICA CORP BE
03/26/01
20,000
CUSIP: 123456784
15DEC18 MTLY-PAY 06.550% FIXRATE MOODY’S: AA3 S&P: A<
CALL PRICE: 100.00 CALL DATE: 12/18/15
Estimated
Estimated Current
Accrued Interest Annual Income Yield%
258.00
2,567
6.07
258.00
2,567
6.07
Estimated
Estimated Current
26.00
314
8.75
26.00
314
8.75
Estimated
Estimated Current
55.00
1,309
6.52
55.00
1,309
6.52
20,000
20,000.00
20,077.00
77.00
Quantity
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
HAWAII ST HSG FIN & DEV
06/24/01
85,000
CRP SFM PUR REV SR A AMT JUN98 04.750%DEC01 08
MOODY’S: AAA S&P: AAA CUSIP: 123456785
RESET RATE: 100.000 RESET DATE: 12/21/15
85,000.00
105.8282
89,953.97
4,953.97
325.00
4,030
4.48
85,000
85,000.00
89,953.97
4,953.97
325.00
4,030
4.48
TOTAL
MUNICIPAL BONDS
Description
TOTAL
001
Acquired
Estimated
Estimated Current
0000
9 of 25
6
Here you’ll find a comprehensive list of securities within
the account. Review this section for important tax lot,
price and valuation information, and subtotals by asset
type. You’ll also see a calculation of the estimated
accrued interest and yield for each investment category.
JOHN Q CUSTOMER AND
YOUR CMA ASSETS
MUTUAL FUNDS/CLOSED END FUNDS/UIT
Description
Quantity
BLACKROCK GLOBAL ALLOCATION C
1,301
.9370 Fractional Share
SYMBOL: XXXXX Initial Purchase: 12/26/96
Fixed Income 50% Equity 50%
HAWAIIAN TAX FREE TR SBI
1,109
2,742
.8780 Fractional Share
SYMBOL: XXXXX Initial Purchase: 12/15/98
Alternative Investment 100%
Subtotal (Fixed Income)
Subtotal (Equities)
Subtotal (Alternative Investment)
TOTAL
10
ALTERNATIVE INVESTMENTS HELD AT MLPF&S
Description
Acquired
CAMPBELL STRATEGIC
ALLOCATION FUND LP
Total
Cost Basis
10,001
N/A
6,591
13,725
N/A
Estimated
Market Price
14.5895
14.5895
11.8097
11.8097
11.8097
Estimated
Market Value
Unrealized
Gain/(Loss)
Total Client
Investment
18,980.93
13.67
8,979
N/A
17,652.00
13,096.95
32,382.19
10.36
6,505
18,657
N/A
Cumulative
Investment
Estimated Current
Return ($) Annual Income Yield%
1,328.93
12,665.00
N/A
N/A
9,497.30
9,497.30
45,489.50
64,484.10
30,317.00
791
4.16
4.16
431.95
N/A
N/A
544
1,346
4.15
4.15
4.15
1760.88
2,681
4.16
Quantity
Unit
Cost Basis
Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
Unrealized
Gain/(Loss)
219
227.990
49,929.00
45.66
10,000.00
(39,929.00)
10,000.00
(39,929.00)
12/17/04
49,929.00
TOTAL
Estimated
Annual Income
Current
Yield%
Total Client Investment: Cost of shares directly purchased and still held. Does not include
Unrealized Gain or (Loss): Estimated Market Value minus Total Cost Basis (total cost of
shares purchased through reinvestment.
shares directly purchased and still held, as well as cost of shares acquired through
reinvestment). Provided for Tax Planning purposes only and is not applicable to retirement
Cumulative Investment Return: Estimated Market Value minus Total Client Investment.
Cumulative Investment Return is the dollar value of the capital appreciation (depreciation)
accounts.
of all shares purchased and still held, including shares acquired through reinvestment of
Initial Purchase: Date of your initial investment in this fund.
dividends and distributions, which may be greater or less than the actual income distributed.
Market Timing: Merrill Lynch’s policies prohibit mutual fund market timing, which involves the purchase and sale of mutual fund shares within short periods of time with the intention of
capturing short-term profits resulting from market volatility. Market timing may result in lower returns for long-term fund shareholders because market timers capture short-term gains that
would otherwise pass to all shareholders and due to increased transaction costs and fewer assets for investment due to the need to retain cash to satisfy redemptions.
Sales Charge Discounts or Waivers: Many funds offer various sales charge discounts or waivers depending on the terms of the prospectus and/or statement of additional information. You
should consult a fund’s prospectus and/or statement of additional information to determine whether you may qualify for a discount or waiver. Notify your Financial Advisor, Financial
Solutions Advisor or Investment Center representative if you believe you qualify for any of these or any other discounts or waivers. Please contact your Financial Advisor, Financial Solutions
Advisor or Investment Center representative for further information on available sales charge discounts and waivers.
001
0000
10. Alternative investments
Alternative investments are listed as those being
held at Merrill Lynch, Pierce, Fenner & Smith
Incorporated (MLPF&S), and/or those not held in
the name of MLPF&S. The alternative investments
that are neither registered in the name of nor held
by MLPF&S or its nominees are identified with an
asterisk, and we indicate that they are provided for
informational purposes only.
11. Long portfolio
This section provides totals for adjusted/total
cost basis, estimated market value, unrealized gain
(or loss), estimated accrued interest, estimated
annual income and current yield %.
11 of 25
Your Liabilities
JOHN Q CUSTOMER AND
Here you’ll see a list of the liabilities in your account,
including short positions.
YOUR CMA ASSETS
LONG PORTFOLIO
11
TOTAL
Adjusted/Total
Cost Basis
Estimated
Market Value
426,257.00
691,868.43
Unrealized
Estimated
Estimated
Gain/(Loss)Accrued Interest Annual Income
47,260.00
664.00
Current
Yield%
2.78
18,979
Notes
< Derived from Moody’s and/or S & P ratings for other debt securities of this issuer and provided by a third party vendor.
+ Debt Instruments purchased at a premium show amortization
q Debt Instruments purchased at a discount show accretion
Total values exclude N/A items.
1 Some agency securities are not backed by the full faith and credit of the United States government.
*** Rating currently unavailable or not rated/unrated as provided by Rating Agency or recognized industry wide third party vendor source.
@ These shares result from a stock dividend or split and will be payable to your account on the date shown. The market price has been changed to reflect that dividend or split. The unit cost will be
adjusted on the payable-date.
For Credit Ratings: S&P and Moody's provide credit ratings on the credit quality of certain bonds and preferred stocks. For a credit enhanced security, Moody's and S&P publish and provide third party
vendors the higher of the rating on the credit enhancer (guarantor) or the stand alone rating on the underlying security.
YOUR CMA LIABILITIES
SHORTS
Description
Acquired
Quantity
CALL JPM 0027 7/2
12/06/15
JP MORGAN CHASE AND CO EXP 08-11 2014OPEN TRAN
SYMBOL: XXX
TOTAL
001
10
Unit
Cost Basis
Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
.94
949.00
2.20
2,200.00
(1,250.00)
$2,200.00
(1,250.00)
949.00
Unrealized
Estimated Current
Gain/(Loss) Annual Income Yield%
0000
12 of 25
7
Your Transactions
This is the record of activity in your account,
organized in chronological order by category.
YOUR CMA TRANSACTIONS
12/16
* Dividend
12/16
* Dividend
12/16
* Rpt Fgn Div
12/17
* Dividend
12/31
* Dividend
12
DIVIDENDS/INTEREST INCOME TRANSACTIONS
Date
Transaction Type
Quantity
12/31
Bank Interest
Subtotal (Taxable Interest)
12/04
* Dividend
Description
BANK DEPOSIT INTEREST
PFIZER INC
HOLDING 100.0000
PAY DATE 12/06/2015
TIME WARNER INC SHS
HOLDING 33.0000
PAY DATE 12/16/2015
TIME WARNER CABLE INC
SHS
HOLDING 8.0000
PAY DATE 12/16/2015
TE CONNECTIVITY LTD
REG.SHS
HOLDING 7.0000
PAY DATE 12/16/2015
CENTURYLINK INC SHS
HOLDING 18.0000
PAY DATE 12/17/2015
CORNING INC
HOLDING 100.0000
PAY DATE 12/31/2015
4.48
1.26
13.05
7.50
Subtotal (Taxable Dividends)
56.87
154.78
NET TOTAL
56.90
154.85
0000
JOHN Q CUSTOMER AND
14 of 25
SECURITY TRANSACTIONS
Settlement
Date
Description
12/18
.07
8.58
001
12/17
Income
Year To Date
Income
.03
.03
22.00
■
13
Transaction Type
Quantity
PCCW LTD
ADR
Prin Payment
HOLDING 20.0000 RECORD DATE: 12/29/2013
PAY DATE 12/17/2015
Sale
SHS
Subtotal (Other Security Transactions)
Unit
Price
Debit
Accrued Interest
Earned/(Paid)
2.96
-8
82.0000
656.00
658.96
TOTAL
REALIZED GAINS/(LOSSES)
Credit
658.96
14
Description
SHS
Subtotal (Long-Term)
Subtotal (Short-Term)
Quantity
8
Acquired/
Cover Short
Date
02/05/02
Liquidation/
Short Sale
Date
12/13/15
TOTAL
Sales Amount
656.00
Cost Basis
619.45
656.00
619.45
Gains/(Losses)*
This Statement
Year to Date
36.55
36.55
--
2,762.44
1,000.00
36.55
3,762.44
X The cost basis on the sale or redemption of this security is determined utilizing the First-In First-Out (FIFO) accounting methodology. If you transferred this security to Merrill Lynch from another firm, the cost basis
may have been reported to you by the other firm using an average cost methodology. If you previously used an average cost methodology in reporting sales transactions of this security to the IRS, you may need to
use an adjusted basis other than the one shown above. Please consult your tax advisor for more information.
001
0000
1 of 26
8
12. Dividends/Interest income transactions
Here’s a summary of the dividends and interest
earned for the statement period and year to date,
including reinvestments. For tax reporting purposes,
dividends and interest are flagged as either taxable
or tax-exempt. A footnote may appear to highlight
dividends that may be subject to long-term capital
gain distribution.
13. Security transactions
In addition to purchases, sales and redemptions, this
section includes information on accrued interest and
subtotals for selected categories.
14. Realized gains/(losses)
This summary of gains and losses for transactions
closed within the month represents figures
as short-term and long-term to guide your tax
planning and investment decisions.
OPEN ORDERS
Date
Transaction
12/28
ORDER TO BUY
STANDING INSTRUCTIONS
Transaction
ORDER TO BUY
WHEN ISSUED
Date
Transaction
12/18
Bought W.I.
UNSETTLED TRADES
Trade Settlement
Date
Date
12/28
04/01
12/31
04/03
15
Quantity
250
16
17
Description
HEWLETT PACKARD CO DEL
Frequency
QUARTERLY
Description
YAHOO INC
Quantity
5,000
Description
TRINITY AREA SCH DIST PA
FGIC
04 04.25% JUL 01 18
18
Symbol/
Cusip
BLS
ZIXI
Description
BELLSOUTH CORP
ZIX CORPORATION
16. Standing instructions
This shows the amount, type and frequency of
the action.
Price
15.0000
Amount
1,000.0000
Transaction
Type
Purchase
Sale
Quantity
50
100
Price
39.1000
2.9100
Amount
(1,955.00)
291.00
(1,664.00)
NET TOTAL
001
15. Open orders
Here, with specific prices, quantities, qualifiers to
indicate when an equity open order is a stop order,
and dollar limits, are any orders you’ve placed that
remain unexecuted.
0000
1 of 26
17. When issued
Here you’ll see transaction details for securities
according to issue date.
18. Unsettled trades
This is a list of purchases/sales entered during the
current month’s statement period, but that are not
settling until the following month.
19. Cash/Other transactions
This section lists miscellaneous transactions,
such as:
••
Funds received
••
Electronic transfers
••
Other debits/credits
••
Margin interest charged
JOHN Q CUSTOMER AND
19
CASH/OTHER TRANSACTIONS
Date
Transaction Type
12/07
³ Funds Received
12/10
Funds Received
Subtotal (Funds Received)
12/14
Funds Transfer
12/28
ACH
Subtotal (Electronic Transfers)
12/17
■ CertIF fee
12/17
12/28
11/30
12/14
12/14
12/18
12/18
12/28
Quantity
Journal Entry
Visa Access
Subtotal (Other Debits/Credits)
NET TOTAL
VISA ACCESS CARD ACTIVITY
Trans. Date
Date Cleared
20
Description
CHECK DEPOSIT
CMA PAYROLL DEC/ 12/24
BANK ONE
BANK RETURN #7654321
PCCW LTD ADR
DEPOSITORY BANK SVCE FEE
Tr To 222-22222
MONTH-END SUMMARY DEBIT
Description
Location/Transaction
OPENING BALANCE
12/28
* – MARSHALLS 55
12/28
* – SAM GOODY
Subtotal (Visa Purchase Activity)
12/18
ML ATM 000000
12/18
PLUS ATM 000000
Subtotal (ATM Activity)
12/28
VISA: FIRST BANK & TRUST
12/28
$100.00 FEE: 2.50
Subtotal (Cash Advances)
NET TOTAL
SHREWSBURY NJ
EATONTOWN NJ
SMST NJ
OCEAN NJ
LUFKIN TX
Debit
Credit
50.35
1,437.38
1,487.73
500.00
950.00
950.00
.40
500.00
600.00
54.03
654.43
383.28
Debit
Credit
.00
21.19
32.84
54.03
100.00
51.50
151.50
102.50
102.50
308.03
12/31
CLOSING BALANCE
.00
*-Month-End Debit for Visa Purchases
You are entitled to XXX non-Bank of America ATM withdrawals per calendar year without a Merrill Lynch fee. Year to date, you have completed XXX non-Bank of America ATM withdrawals.
Your CMA® account provides up to $200 in ATM operator fee reimbursements per calendar year for transactions at non-Bank of America ATMs within the U.S. Year to date, you have received
$X.XX in ATM operator fee reimbursements. As a reminder, when you use your CMA Access® Visa® Card to access cash at Bank of America ATMs, there are no ATM operator fees.
001
0000
1 of 26
9
20. Visa® Access Card activity
Here you’ll find subtotals for selected categories —
Visa® debit purchase activity, ATM activity and
cash advances.
21. Checks written/bill payment
This section provides details on check-clearing
activity and electronic bill payments.
CHECKS WRITTEN/BILL PAYMENT
Date Written
Date Cleared
Check Number
21
12/18
12/18
Description
Transaction
12/24
5678#
JOHN SMITH
12/24
9125
MACY'S
NET TOTAL
* Indicates gap in check sequence
# Check converted to ACH debit by payee
To report Lost or Stolen Visa Cards or Checks, please call (800) CMA-LOST.
YOUR CMA MONEY ACCOUNT TRANSACTIONS
Date
Description
12/07
12/10
12/14
12/17
ML DIRECT DEPOSIT PROGRM
NET TOTAL
Withdrawals
001
Credit
22
Deposit
22.00
1,488.00
500.00
569.00
COPIES OF THIS STATEMENT HAVE BEEN SENT TO:
Michael Recipient
123 Any Street
Anytown, ST 12345-6789
Debit
100.00
242.84
342.84
Date
Description
12/21
12/24
12/28
12/31
Withdrawal
Deposit
862.00
342.00
1,051.00
8.00
918.00
23
Jane Recipient
123 Any Street
Joe Recipient
123 Any Street
0000
1 of 26
10
22. Money account/Money fund transactions
Displayed here are details of all deposits to, and
withdrawals from, your balances in the Merrill Lynch
Bank Deposit Program or other available money funds.
23. Copies of this statement have been sent to:
Here you’ll see the names of those who will receive
a copy of your statement.
You receive only relevant information
Your Merrill Edge statement reflects the holdings and activity that are specific to your accounts with Merrill Edge.
In an effort to reduce page count, we provide you with only the sections of the statement that are relevant to your
holdings, activity and account type. Below and on the pages that follow, we highlight certain sections that you may
or may not receive, based on your account characteristics.
JOHN Q CUSTOMER AND
ASSETS NOT HELD/VALUED BY MLPF&S
1
February 28, 2015 - March 31, 2015
The amounts shown for Assets Not Held/Valued By MLPF&S are for informational purposes only, may vary from values (if any) provided by the issuer or others, and may change. Unless
otherwise indicated, the value shown for these investments has been provided by the management, administrator or sponsor of each program or a third-party vendor, in each case without
independent verification by MLPF&S. These investments are generally illiquid, not listed on any securities exchange or NASDAQ market, and investors may not be able to sell them or realize
amounts shown upon a sale or liquidation. These investments are not registered in the name of nor held by MLPF&S or its nominees and MLPF&S has no responsibility to safekeep, monitor
or value these investments. MLPF&S makes no representation as to the accuracy of the value(s) provided. MLPF&S does not hold or act as custodian of these investments and they are not
covered by SIPC
YOUR INSURANCE CONTRACTS
Life Insurance / Annuities
Contract Value
Estimated Annual Payments
241,271
25,901*
MLLIC DIRECTED LIFE PLAN
POLICY NUMBER LD0000000
CONTRACT VALUE AS OF 12/31/15
MLLIC DIRECTED LIFE 2
POLICY NUMBER CM80000000
CONTRACT VALUE AS OF 12/31/15
170,154
TOTAL
411,425
This Insurance Contracts Summary is provided to you as a courtesy and is reported to you based upon information supplied by the issuing insurance company. The official accounting of
your life insurance or annuity contract values will be provided by the issuing insurance company in a separate statement. If the life insurance or annuity product is variable, the investments
underlying the contract values are held in the insurance company's separate account, which is registered with the SEC under the Investment Company Act of 1940. If the insurance product
is fixed or you have elected a fixed interest subaccount, these guarantees are provided by the issuing insurance company and are backed by its claims-paying ability. Insurance product(s)
and any underlying variable product investment option(s) are not held in your Merrill Lynch CMA Account, and are not covered by SIPC protection. Any questions concerning your contract
should be directed to the issuing insurance company. Insurance and annuity contract guarantees and benefits are not backed by Merrill Lynch, or any of its affiliates, and none of them
makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Insurance and Annuity Products: •ARE NOT FDIC INSURED•ARE NOT BANK GUARANTEED•MAY LOSE VALUE•ARE NOT A BANK DEPOSIT•ARE NOT A CONDITION TO ANY BANKING
SERVICE OR ACTIVITY•ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.
TOTAL ASSETS NOT HELD/VALUED BY MLPF&S
$1,070,367.95
The amount shown for Total Assets Not Held/Valued By MLPF&S is for informational purposes only, may vary from values (if any) provided by the issuer or others, and may change. Unless
otherwise indicated, the value shown for these investments has been provided by the management, administrator or sponsor of each program or a third-party vendor, in each case without
independent verification by MLPF&S. These investments are generally illiquid, not listed on any securities exchange or NASDAQ market, and investors may not be able to sell them or realize
amounts shown upon a sale or liquidation. These investments are not registered in the name of nor held by MLPF&S or its nominees and MLPF&S has no responsibility to safekeep, monitor
or value these investments. MLPF&S makes no representation as to the accuracy of the value(s) provided. MLPF&S does not hold or act as custodian of these investments and they are not
covered by SIPC.
001
0000
JOHN Q CUSTOMER AND
YOUR CMA ASSETS
Acquired
Quantity
Adjusted/Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
HAWAIIAN ELECTRIC INC
07/17/95
PFD SERIES J $4.75
MOODY’S: AAA S&P: AAA CUSIP: 123456783
07/20/95
Subtotal
2,600
19,500.00
16.5000
42,900.00
400
3,000
4,200.00✦
23,700.00
16.5000
3,000
23,700.00
TOTAL
Unrealized
Estimated
Estimated Current
Gain/(Loss) Accrued Interest Annual Income Yield%
23,400.00
6,600.00
49,500.00
2,400.00
25,800.00
49,500.00
25,800.00
2,467
380
5.75
5.75
2,846
2,846
5.75
PLEASE REFER TO NOTES BELOW FOR INFORMATION REGARDING CREDIT RATINGS.
EQUITIES
Description
Symbol
Acquired
Quantity
Unit
Cost Basis
Total
Cost Basis
Estimated
Market Price
Estimated
Market Value
CENTERPOINT ENERGY INC
CNPZP
WARNER ZEN CONV PFD STK
2.000% SEP 15 2029
05/08/03
3,000
17.1017
51,305.10
23.7900
71,370.00
05/15/03
4,000
48.9700
195,880.00
53.5500
214,200.00
18,320.00
471
.22
285,570.00
38,384.90
1,428
.50
2
EQUITIES ON LOAN*
LOWE’S COMPANIES INC
LOW
247,185.10
TOTAL INCLUDING EQUITIES ON LOAN
Unrealized
Estimated Current
Gain/(Loss) Annual Income Yield%
20,064.90
956
1.34
*This account is enrolled in the Securities Lending Program. All borrowed securities listed in the Equities on Loan section are secured by collateral held on your behalf pursuant to the
Securities Lending Agreement. The provisions of the Securities Investor Protection Act will not protect you with respect to securities you have loaned. The collateral pledged by Merrill Lynch,
Pierce, Fenner & Smith Inc. may constitute the only source of satisfaction in the event MLPF&S fails to return the securities it borrowed from you.
RESEARCH RATINGS
Security
CENTERPOINT ENERGY
LOWE’S COMPANIES INC
3
Symbol
CNPZP
LOW
BofAML Research
Buy (B17)
Underperform (C37)
Morningstar
Buy
Hold
S&P
Hold
Sell
PLEASE REFER TO THE BACK OF YOUR STATEMENT FOR A GUIDE TO BofAML AND THIRD PARTY RESEARCH RATINGS.
001
••
Insurance contracts/services shows policy
values, activity and important messages if you
hold insurance contracts or insurance services.
••
Other assets not held/valued by MLPF&S
documents values for other assets held
outside MLPF&S.
12 of 25
Account Number: 1X1-11X11
PREFERRED STOCKS
Description
1. Assets not held/valued by MLPF&S
As an accommodation, we may display assets you
own that are not held/valued by MLPF&S. The value
of these assets when provided to MLPF&S is included
in the summary and as part of the total value of the
account. In addition, we list them in their own sections
by category: Insurance Contracts/Services and Other.
We also include a total at the end of each section.
0000
1 of 43
11
2. The Securities Lending Program
The Equities on Loan section displays the assets
being used in the Securities Lending Program.
This program enables you to lend your fully paid
securities to Merrill Lynch in return for a securities
lending fee, thereby enhancing the return on
your portfolio.
3. Research ratings
For accounts that qualify, BofA Merrill Lynch Global
Research (BofA ML Research) and independent
research ratings from Morningstar and Standard
& Poor’s (S&P) are provided for most equities.
In addition, Moody’s and S&P ratings are provided
for corporate bonds, municipal bonds, preferred
stock, and government and agency securities.
You receive only relevant information (continued)
JOHN Q CUSTOMER AND
YOUR CMA MONEY ACCOUNT TRANSACTIONS
Date
Description
Withdrawals
12/04
12/07
12/09
12/14
12/16
12/18
12/21
ML Bank Deposit Program
Deposits
50.00
749.00
2,387.00
9,000.00
13,690.00
3,773.00
Date
Description
12/22
12/24
12/28
12/29
12/30
12/31
Withdrawals
Deposits
343.00
8,366.00
9,919.00
499.00
2,437.00
344.00
153.00
NET TOTAL
28,384.00
PRIVATE EQUITY/REAL ASSETS FUNDS SUMMARY
PRIVATE EQUITY/
REAL ASSETS
FUNDS
4
Investment Multiple
on Contributions
to Date (d)
Net IRR as
Reported
by Fund (e)
0.00%
Original Investment
Date
Commitment
01/04/2010
1,000,000
100,000
0
0 (f)
100
0.00
1,000,000
100,000
0
0
100
0.00
LS REAL ESTATE RECOVERY
TRUST
CLASS A
TOTAL
Contributions Distributions Estimated NAV
(a)
(b)
(c)
Total Distributions
&
Estimated NAV
Footnotes*
a- Aggregate contributions, net of applicable placement fee, from original investment date. Unfunded balance does not include outstanding recallable capital, if applicable. Please refer to
the most recent Fund quarterly report.
b- Net capital contributions, including outstanding recallable if applicable, from original investment date. Please refer to the most recent Fund quarterly report.
c- Estimated Net Asset Value (NAV) based on the most recent financial information (may be unaudited) from the Underlying Fund and adjusted for any contributions or distributions through
month end.
d- Investment Multiple = (Distributions + Estimated NAV) / Contributions.
e- Last reported annualized net internal rate of return as reported by the General Partner or Managing Trustee.
f- Fund has fully liquidated.
*-All amounts shown above are cumulative-to-date, without regard to transfer activity, if any.
4. Private equity/Real assets funds summary
This section complements the information in
the Alternative Investments Holdings section
and provides a snapshot of additional details
for private equity holdings, including:
••
Original investment date
••
Commitment
••
Contributions (a)
••
Distributions (b)
••
Estimated NAV (c)
••
Total distributions and estimated NAV
••
Investment multiple on contributions
to date (d)
••
Net IRR as reported by the fund (e)
001
0000
JOHN’S RETIREMENT
YOUR RETIREMENT ACCOUNT CONTRIBUTIONS AND DISTRIBUTIONS
5
Year End Plan Value as of December 31, 2014: $20,000.00
Contributions after December 31, 2014 for 2014: $00.00
Contributions
Tax Year 2015
Tax Year 2014
10,000.00
2,000.00
5,000.00
5,000.00
1,000.00
1,500.00
Tax Year 2015
Tax Year 2014
Salary Deferral
Total Rollover Deposits
Recharacterization Deposits
Distributions
RMD Calculated Amount 2015
6
Normal
4,000.00
5,000.00
10,000
Rollover
6,000.00
8,000.00
Federal Taxes Withheld
892.00
912.00
NY State Taxes Withheld
212.00
300.00
GA State Taxes Withheld
212.00
300.00
Retirement to Roth
7,057.72
0.00
The IRS requires all IRA custodians, including Merrill Lynch, to notify it through IRS Form 5498 when an RMD is required from the IRA of a living account owner for the calendar year. An RMD
that is required for the current year will be reported to the IRS on the applicable IRS Form 5498.
For IRA, IRRA, SEP/IRA, SIMPLE/IRA Roth IRA and ESA accounts, the Year-End Plan Value represents the valuation we must furnish to you and the Internal Revenue Service as part of the IRS
Form 5498 reporting requirements.
001
0000
23 of 25
12
5. Y
our retirement account contributions
and distributions
Retirement account holders will see account
contributions and distributions and, if required,
the required minimum distribution (RMD) calculated
amount for the annual distribution. Merrill Edge
retirement account statements for traditional IRAs,
IRA rollovers, SIMPLE accounts, Supplemental
Retirement Accounts (SRAs) and Simplified
Employee Pension (SEP) plans provide information
regarding the RMD.
6. Required minimum distribution (RMD)
The RMD calculated amount for the annual
distribution is provided in addition to deadlines
and instructions for taking the distribution.
Additional reports help complete the picture
Other accounts and services
Annual Consolidated Tax Reporting Statement
Depending on the nature of your linked account statements, your
statement may also contain complete details of the following:
Each February, if you are eligible, you’ll receive a special
tax reporting statement that contains account data to help
with tax-return preparation. The Consolidated Tax Reporting
Statement contains the following key features:
••
Retirement accounts
••
Merrill Lynch Investment Advisory Program accounts
••
Merrill Lynch Mutual Fund Advisor® accounts
••
Loan Management Account®
••
Trust Management Account
••
College savings plan accounts
Performance Report
Managed accounts not enrolled in the Merrill Lynch Investment
Advisory Program (Merrill Lynch One™) will receive a separate
Quarterly Performance Report (QPR). Accounts enrolled in
Merrill Lynch One will receive an Annual Performance Report (APR).
You’ll receive these reports through the mail or online delivery,
based on your preference. Both the QPR and APR provide detailed
information on the rates of return for the account or Custom
Account Group (CAG) against its benchmark. Also, Merrill Lynch
One accounts receive a Quarterly Portfolio Update (QPU), which
plays back the portfolio and account details, including asset
allocation, goals and objectives, and market values. The QPU
doesn’t contain performance information.
Fiscal Statement
If you have a Retirement Cash Management Account (RCMA®
account), Working Capital Management Account® (WCMA®
account), Endowment Management Account™ (EMA® account),
Business Investor Account (BIA) or Trust Management Account
(TMA), you are eligible to receive an annual Fiscal Statement
in addition to the Merrill Edge monthly statement. The Fiscal
Statement is a comprehensive statement that combines
12 months of activity and is generated once in a 12-month
cycle based on a predetermined fiscal plan month.
••
A summary of taxable activities in your account and a detailed
chronological breakdown of reportable transactions grouped
by category. This section legally substitutes for IRS Forms
1099-DIV, 1099-INT, 1099-OID, 1099-B and 1099-MISC.
••
The Non-Reportable Income/Expense section goes beyond
providing the details of your transactions. It also includes
income and expenses that, although we do not report to
the IRS, can help with tax preparation.
CMA Visa Access Card Summary
This statement includes Check Summary and Visa Access Card
Transaction Summary sections that list all checks numerically
and all card transactions by date and category. This statement
also offers a month-by-month analysis of all expenditures and
includes preauthorized debits and Web bill payments.
Supplemental Tax Information Statement
If you hold Widely Held Fixed Investment Trusts (WHFITs),
Real Estate Mortgage Investment Conduits (REMICs) and/or
collateral debt obligations (CDOs), in March you’ll receive
a Supplemental Tax Information statement that provides
a consolidated summary of gross income and expenses for
these securities.
This guide has been prepared to help clients better understand their statement features and address potential questions. It is not intended to serve as a recommendation for any
product or services offered by Merrill Lynch.
Unless otherwise noted, all trademarks and registered trademarks are the property of Bank of America Corporation.
Visa is a registered trademark of Visa International Service Association.
© 2016 Bank of America Corporation. All rights reserved. | AR3536KT | BRO-12-15-0565 | 470229PM-0116 | 01/2016
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