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CBA, CMA, IRRA, WCMA, Cash Management Account, CollegeBuilder, Investor CreditLine, Merrill Lynch OnLine and Working Capital Management Account are trademarks of Bank of America Corporation.

The Merrill Lynch Indices (the "Indices") are used with permission. Copyright 2008, Merrill Lynch & Co., Inc. All rights reserved. The Indices may not be copied, used, or distributed without Merrill Lynch's prior written approval. Merrill Lynch and its affiliates make no guarantees, representations or warranties of any kind, express or implied, to any person, including, without limitation, any member of the public regarding the use of the Indices in the financial products, the advisability of investing in securities generally or of the ability of the Indices to track any market performance. The Indices are determined, composed, and calculated by Merrill Lynch without regard to the financial products. Merrill Lynch retains exclusive ownership of the Indices and the programs and trademarks used in connection with the Indices. Merrill Lynch has no obligation to take the needs of the purchasers, investors or participants in the financial products into consideration in determining, composing or calculating the Indices, nor shall Merrill Lynch have any obligation to continue to calculate or provide the Indices in the future. Merrill Lynch may, in its absolute discretion and without prior notice, revise or terminate the Indices at any time. In no event shall Merrill Lynch or any of its partners, affiliates, employees, officers, directors or agents have any liability to any person or entity for any direct, indirect, punitive, special, or consequential damages, including lost profits arising from, or related in any way to, the Indices or the financial products.

MERRILL LYNCH FACTOR MODEL® is a trademark of Bank of America Corporation.

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Investing Pays Off is a registered service mark Merrill Lynch & Co. Foundation, Inc. Any other marks referenced on the Global Philanthropy website are the property of their respective owners

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NASDAQ is a registered trademark of the National Association of Securities Dealers Inc.

Netscape and Netscape Navigator are registered trademarks of Netscape Communications Corporation.

Pentium is a registered trademark of Intel Corporation.

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RealAudio is a registered trademark of Progressive Networks, Inc.

S&P 500 is a registered trademark of Standard & Poor's Corporation.

This website and/or certain activities provided via the website may be covered by U.S. Patent 6,091,956.

All other trademarks cited here are the property of their respective owners.

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