Reviewing your account information has never been easier Your Retirement Plan statement includes: • An easy-to-read design • A concise summary of your account(s) • Recaps of contributions and activity in your account(s) • Additional key information about your account(s) This guide represents features typically common to retirement plans and statements. You can review your actual statement anytime at your convenience – log on to Benefits OnLine® at www.benefits.ml.com. Guide to Your Retirement Plan Statement www.benefits.ml.com » Sample SUMMARY OF YOUR PLANS OCTOBER 1, 20XX – DECEMBER 31, 20XX 1 | ABC COMPANY | SUMMARY OF YOUR PLANS 000000000000000000 0000000000000 ABC COMPANY TOTAL AGGREGATE PLAN VALUE $582,802.58 Total aggregate plan value of plans displayed on this statement, as calculated according to the terms and conditions of each plan. Value may include 401k plan(s) (including outstanding loans), Non-Qualified Deferred Compensation Plan(s), Equity Awards, Defined Benefit Cash Balance Plan(s). It does not include Accrued Benefit Defined Benefit Plan(s), ESPP plans or Additional Retirement Accounts. ADDITIONAL RETIREMENT ACCOUNTS The current balance of your additional retirement accounts is shown below. For more information on these accounts, call (000) 000-0000 or log on to www.website.com. ABC Co., Inc. 457(b) (as of 12/31/20XX) $3,457.08 Please review your statement and advise Merrill Lynch if you find discrepancies in your personal or account information. If we do not hear from you within 30 days, we will assume that all information is correct. TO CONTACT MERRILL LYNCH (800) 000-0000, 8 AM – 7 PM ET Outside USA: (609) 000-0000 TTD (hearing impaired): (866) 000-0000 www.benefits.ml.com TO CONTACT YOUR FINANCIAL ADVISOR, JOHN SMITH Call: (999) 999-9999 www.website.com TO CONTACT ABC COMPANY ABC Company Benefits Dept. (999) 999-9999, 9 AM - 5 PM ET www.website.com MONTHLY PAID PENSION PLAN(S) ESTIMATED MONTHLY BENEFIT*: $1,000.00 Projected Benefit At Normal Retirement Age* Accrued Benefit Plan 1 300.00 Accrued Benefit Plan 2 700.00 *If you worked until normal retirement age, and both the plan provisions and your salary on 12/31/20XX remain as is. 401(K) PLAN(S) TOTAL CURRENT VALUE: $242,258.48 Cumulative Return Beginning Balance Ending Balance Vested Balance % For This Period 401(k) Plan 1 $200,235.64 $236,906.59 $189,525.27 8.00% Total Outstanding Loans 5,351.89 EQUITY AWARDS POTENTIAL MARKET VALUE: $199,313.88 Vested Balance: $177,374.09 Unvested Balance: $21,939.79 NON-QUALIFIED DEFERRED COMPENSATION PLAN(S) TOTAL CURRENT VALUE: $125,230.22 Cumulative Return Beginning Balance Ending Balance Vested Balance % For This Period Pre 2005 Deferred Compensation Plan 1 $53,691.95 $57,790.99 $57,790.99 8.00% Post 2004 Deferred Compensation Plan 2 $62,114.52 $65,139.23 $65,139.23 8.00% 2011 Deferred Compensation Plan 3 1,100.00 2,300.00 2,300.00 8.00% Your deferrals are deemed invested as listed in the plan details investment summary, per your election. However, plan assets are owned by the Plan Sponsor. CASH BALANCE PLAN(S) TOTAL CURRENT VALUE: $16,000.00 Ending Balance Vested Balance Cash Balance Plan 1 $16,000.00 $10,000.00 www.benefits.ml.com FOR ACCOUNT HISTORY, INVESTMENT PERFORMANCE AND MORE Participant Name Address Line 1 City, State Zip Code (including outstanding loans) The sample statement pages shown in this communication are intended as a general illustration of the information available on participant statements. They are not meant as exact representations of your own statement. How to use this guide This document was set up in an easy-to-read format to help you understand the different portions of your statement. Just review the definitions of the items highlighted on each sample statement page. Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BAC). MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of BAC. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Transcript
Reviewing your account information has never been easier
Your Retirement Plan statement includes:
• An easy-to-read design
• A concise summary of your account(s)
• Recaps of contributions and activity in your account(s)
• Additional key information about your account(s)
This guide represents features typically common to retirement plans and statements. You can review your actual statement anytime at your convenience – log on to Benefits OnLine® at www.benefits.ml.com.
Guide to Your Retirement Plan Statement
www.benefits.ml.com »
Sample
SUMMARY OF YOUR PLANS OCTOBER 1, 20XX – DECEMBER 31, 20XX
1 | ABC COMPANY | SUMMARY OF YOUR PLANS 000000000000000000 0000000000000
ABC COMPANY
TOTAL AGGREGATE PLAN VALUE
$582,802.58 Total aggregate plan value of plans displayed on this statement, as calculated according to the terms and conditions of each plan. Value may include 401k plan(s) (including outstanding loans), Non-Qualified Deferred Compensation Plan(s), Equity Awards, Defined Benefit Cash Balance Plan(s). It does not include Accrued Benefit Defined Benefit Plan(s), ESPP plans or Additional Retirement Accounts.
ADDITIONAL RETIREMENT ACCOUNTS The current balance of your additional retirement accounts is shown below. For more information on these accounts, call (000) 000-0000 or log on to www.website.com.
ABC Co., Inc. 457(b) (as of 12/31/20XX) $3,457.08Please review your statement and advise Merrill Lynch if you find discrepancies in your personal or account information. If we do not hear from you within 30 days, we will assume that all information is correct.
Accrued Benefit Plan 1 300.00Accrued Benefit Plan 2 700.00*If you worked until normal retirement age, and both the plan provisions and your salary on 12/31/20XX remain as is.
401(K) PLAN(S) TOTAL CURRENT VALUE: $242,258.48
Cumulative Return Beginning Balance Ending Balance Vested Balance % For This Period
401(k) Plan 1 $200,235.64 $236,906.59 $189,525.27 8.00%
NON-QUALIFIED DEFERRED COMPENSATION PLAN(S) TOTAL CURRENT VALUE: $125,230.22
Cumulative Return Beginning Balance Ending Balance Vested Balance % For This Period
Pre 2005 Deferred Compensation Plan 1 $53,691.95 $57,790.99 $57,790.99 8.00%Post 2004 Deferred Compensation Plan 2 $62,114.52 $65,139.23 $65,139.23 8.00%2011 Deferred Compensation Plan 3 1,100.00 2,300.00 2,300.00 8.00%Your deferrals are deemed invested as listed in the plan details investment summary, per your election. However, plan assets are owned by the Plan Sponsor.
CASH BALANCE PLAN(S) TOTAL CURRENT VALUE: $16,000.00
Ending Balance Vested Balance
Cash Balance Plan 1 $16,000.00 $10,000.00
www.benefits.ml.comFOR ACCOUNT HISTORY, INVESTMENT PERFORMANCE AND MORE
Participant NameAddress Line 1City, State Zip Code
(including outstanding loans)
The sample statement pages shown in this communication are intended as a general illustration of the information available on participant statements. They are not meant as exact representations of your own statement.
How to use this guideThis document was set up in an easy-to-read format to help you understand the different portions of your statement. Just review the definitions of the items highlighted on each sample statement page.
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BAC). MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of BAC.
Investment products:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
SUMMARY OF YOUR PLANS OCTOBER 1, 20XX – DECEMBER 31, 20XX
2 | ABC COMPANY | SUMMARY OF YOUR PLANS 000000000000000000 0000000000000
ABC COMPANY
TOTAL AGGREGATE PLAN VALUE
$582,802.58 Total aggregate plan value of plans displayed on this statement, as calculated according to the terms and conditions of each plan. Value may include 401k plan(s) (including outstanding loans), Non-Qualified Deferred Compensation Plan(s), Equity Awards, Defined Benefit Cash Balance Plan(s). It does not include Accrued Benefit Defined Benefit Plan(s), ESPP plans or Additional Retirement Accounts.
ADDITIONAL RETIREMENT ACCOUNTS The current balance of your additional retirement accounts is shown below. For more information on these accounts, call (000) 000-0000 or log on to www.website.com.
ABC Co., Inc. 457(b) (as of 12/31/20XX) $3,457.08Please review your statement and advise Merrill Lynch if you find discrepancies in your personal or account information. If we do not hear from you within 30 days, we will assume that all information is correct.
Accrued Benefit Plan 1 300.00Accrued Benefit Plan 2 700.00*If you worked until normal retirement age, and both the plan provisions and your salary on 12/31/20XX remain as is.
401(K) PLAN(S) TOTAL CURRENT VALUE: $242,258.48
Cumulative Return Beginning Balance Ending Balance Vested Balance % For This Period
401(k) Plan 1 $200,235.64 $236,906.59 $189,525.27 8.00%
NON-QUALIFIED DEFERRED COMPENSATION PLAN(S) TOTAL CURRENT VALUE: $125,230.22
Cumulative Return Beginning Balance Ending Balance Vested Balance % For This Period
Pre 2005 Deferred Compensation Plan 1 $53,691.95 $57,790.99 $57,790.99 8.00%Post 2004 Deferred Compensation Plan 2 $62,114.52 $65,139.23 $65,139.23 8.00%2011 Deferred Compensation Plan 3 1,100.00 2,300.00 2,300.00 8.00%Your deferrals are deemed invested as listed in the plan details investment summary, per your election. However, plan assets are owned by the Plan Sponsor.
CASH BALANCE PLAN(S) TOTAL CURRENT VALUE: $16,000.00
Ending Balance Vested Balance
Cash Balance Plan 1 $16,000.00 $10,000.00
www.benefits.ml.comFOR ACCOUNT HISTORY, INVESTMENT PERFORMANCE AND MORE
Participant NameAddress Line 1City, State Zip Code
(including outstanding loans)
Statement Summary — Front Page
1.
2.
3.4.
a) b)
5.
6.7.
8.
9.
10.
11.
12.
13.
See definitions on the next page.
3
1. Benefits OnLine® website address – Easy access to all your account information, virtually 24/7.
2. Total Aggregate Plan Value – Total value of all plan(s) displayed on this statement, as calculated according to Plan terms and conditions (please read the footnote below the plan value to see what plans may or may not be included).
3. 401(k) Plan Information – This section summarizes your 401(k) Plan data for this reporting period.
4. Beginning Balance – The market value of the assets held in your account as of the opening date of the reporting period. The statement reporting period is located in the upper left of your statement.
5. Ending Balance – The market value of the assets held in your account as of the ending date of the reporting period, not including any outstanding loan balances.
6. Total Current Value – The total market value of your account(s) as of the close of business on the last day of the reporting period, including any outstanding Plan loans you may have.
7. Vested Balance – The total vested market value of your account, which you are entitled to receive even if you terminate employment with your company. Does not include loan balance.
8. Return % for this period – Percentage increase or decrease in the market value of the assets held in your account for the reporting period. This is an estimate of your investment return based on account data as of the end of the reporting period. The estimate was calculated using a widely accepted, time-weighted daily valuation method. The return is based on the results of your investment selections as well as account activity. Other methods of calculating returns may yield different results. Past performance is no guarantee of future results.
9. Non-qualified Deferred Compensation Plan Information – This section summarizes your Non-qualified Deferred Compensation Plan data for this reporting period.
10. Cash Balance Plan Information – This section summarizes your Cash Balance Plan information.
a)Ending cash balance for the reporting period
b)Your vested balance at the end of the reporting period
11. Equity Awards – If applicable, the potential market value, vested balance and unvested balance of any stock awards you may have.
12. Monthly Paid Pension Plan – The estimated monthly benefit you may be eligible to receive under plan terms at Normal Retirement Age.
13. Additional Retirement Accounts – The current balance for any other employer plan retirement accounts you participate in.
4
4 | ABC COMPANY | 401(K) PLANS
401(K) PLAN(S)
n YOUR SAVINGS ELECTIONSPre-Tax
contributionsRoth
401(k)After-Tax
contributions
401(k) Plan 12.00% 3.00% 5.00%
n YOUR CUMULATIVE RATE OF RETURN12 Months 3 Years 5 Years
401(k) Plan 6.87% 9.82% 10.51%
n YOUR PERSONAL INFORMATION401(k) Plan 1
Current Status: ActiveHire Date: xx/xx/xx Adjusted Hire Date: xx/xx/xxPlan Entry Date: xx/xx/xx Employee Number: xxxxxx Location: xxxxxx
n CONTRIBUTIONS AND ACTIVITY FOR THIS PERIOD 401(k) Plan 1
Beginning Balance $200,235.64
Employee Contributions Employee Pre Tax 750.00 After Tax 250.00 Roth 401(k) 100.00
Your Total Contributions 1,100.00Employer Contributions ABC COMPANY match 500.00 Profit Sharing 250.00 Safe Harbor Match 250.00
Total Employer Contributions 1,000.00Loan Repayments Principal 200.00 Interest 100.00
n CONTRIBUTIONS THIS YEAREmployee Contributions 12,000.00Employer Contributions 5,000.00
Total Contributions $17,000.00
ACTIVITY DETAIL OCTOBER 1, 20XX - DECEMBER 31, 20XX
000000000000000000 0000000000000
SampleABC COMPANYPARTICIPANT NAME
401(k) Plan Activity (Part 1)
13.
1.2.
4.
5.
7.
6.
8. 9.
10.
3.
a)b)
11.
12.
See definitions on the next page.
5
1. Beginning Balance – The market value of the assets held in your account as of the opening date of the reporting period.
2. Employee Contributions – Total contributions you have made during the reporting period.
3. Employer Contributions – Total contributions your employer has made to your account during the reporting period (if applicable).
4. Loan Repayments – If you have a plan loan, total loan repayments made during the reporting period.
5. Other Activity – Changes that may affect your account balance during the reporting period, including these categories:
a) Interest, dividends/other credits added to your account (these amounts are reinvested automatically)
b) Withdrawals/debits, such as an in-service withdrawal
6. Fees – Fees that may be charged to your account, such as an account maintenance fee, loan fee and/or overnight check fee, for example.
7. Ending Balance – The market value of the assets held in your account as of the closing date of the reporting period.
8. Vested Balance – The total vested market value of your account, which you are entitled to receive even if you terminate employment. Does not include loan balance.
9. Total Outstanding Loans – The aggregate amount of all outstanding plan loans you may have. Loans are reported separately from total assets because they are not an asset of your account.
10. Contributions This Year – Year-to-date dollar amount of your Employee Contributions, any Employer Contributions made to your account, and the total of your Employee and Employer contributions.
11. Your Cumulative Rate of Return – Percentage increase or decrease in the market value of plan assets held in your account for the prior 12 months, 3 years and 5 years.*
12. Your Savings Elections – Percentage of your eligible compensation or dollar amount that you are contributing.
13. Your Personal Information– Key data about your participation in your Plans.
* These are estimates of your investment returns based on account data for the periods listed. The estimates are calculated using a widely accepted, time-weighted daily valuation method. The return is based on the results of your investment selections as well as account activity. Other methods of calculating returns may yield different results. Past performance is no guarantee of future results.
6
ACTIVITY DETAIL OCTOBER 1, 20XX - DECEMBER 31, 20XX
000000000000000000 0000000000000
SampleABC COMPANYPARTICIPANT NAME
6 | ABC COMPANY | 401(K) PLANS
n INVESTMENT SUMMARY
Beginning Beginning Ending Ending InvestmentInvestment 401(k) Plan 1 Balance Shares/Units Shares/Units Share/Unit Price($) Gain/Loss Ending BalanceEQUITY/STOCK $194,440.65ABC Company Stock (ABC) 20% 12,090.10 239.2145 250.6852 50.0000 444.16 $12,534.26Self-Direct Acct ##### 147,991.29 147,991.2800 181,906.3800 1.0000 33,915.10 181,906.39FIXED INCOME/BOND $34,814.69ABC Fixed Income Fund (ABCIX) 40% 7,652.12 513.3893 513.3893 15.0000 48.72 $7,700.84DEF Total Return Bond Fund (ABCIX) 1,440.21 50.2563 56.9704 25.0000 -15.95 $1,424.26XYZ Bond Fund (ABCIX) 20% 23,563.25 695.2567 708.6783 36.2500 2,126.34 $25,689.59MONEY MARKET/STABLE VALUE $7,651.25ABC Money Market Fund (ABCXX) 20% 7,498.67 147.2089 153.025 50.00 152.58 $7,651.25Total 100% $200,235.64 $36,670.95 $236,906.59
CURRENT INVESTMENT DIRECTION
401(K) PLAN(S) CONTINUED
n CONSOLIDATED ASSET ALLOCATIONThis pie chart shows the current asset allocation for all your 401(k) plan(s).
Other40%
Equity/Stock20%
Fixed Income/Bond20%
Money Market/Stable Value20%
401(k) Plan Activity (Part 2)
2.3.
4.
5. 6.7. 8. 9. 10.
1.
a)
b)
c)
See definitions on the next page.
7
1. Asset Allocation – Pie chart summarizing how your account is currently distributed across major asset classes.
2. Investment Summary – A fund-by-fund summary of your investments in your plan(s) as of the closing date of the reporting period.
3. Current Investment Direction – The percentage of your future contributions currently being directed to each fund (totals 100%).
4. Fund (Symbol) – The funds in which your account is invested and each fund’s ticker symbol, if applicable. Funds are grouped according to asset class, for example:
a) Equity/Stock
b) Fixed Income/Bond
c) Money Market/Stable Value
5. Beginning Balance – Price per share or unit multiplied by the number of shares or units held in your account at the beginning of the reporting period.
6. Beginning Shares/Units – Number of shares or units of each investment held in your account as of the beginning date of the reporting period.
7. Ending Shares/Units - Number of shares or units of each investment held in your account as of the closing date of the reporting period.
8. Ending Share/Unit Price – Share or unit price of each fund held in your account as of the closing date of the reporting period.
9. Investment Gain/Loss - The change in value of your investment during the reporting period, reflecting any investment gain or loss, plus or minus any activity that occurred in the fund.
10. Ending Balance – Price per share or unit multiplied by the number of shares or units held in your account at the end of the reporting period.
8
ACTIVITY DETAIL OCTOBER 1, 20XX - DECEMBER 31, 20XX
000000000000000000 0000000000000
SampleABC COMPANYPARTICIPANT NAME
8 | ABC COMPANY | NON-QUALIFIED DEFERRED COMPENSATION
NON-QUALIFIED DEFERRED COMPENSATION PLAN(S)
n ACTIVITY FOR THIS PERIOD
n DEFERRAL SUMMARY This Period Year
to datePlan 3 2011 In-Service Salary Deferral $1000.00 $2,200.00
Total $1,000.00 $2,200.00
n DISTRIBUTION SUMMARY
12
Continued on next page
Form of Payment/ E�ective Date Timing of Payment Remaining Payments
Plan 1 Pre 2005 Salary Deferrals Current Initial Payment Date January 2009 8 Annual Installments Pre 2005 Bonus Deferrals Current Separation from Service Lump Sum
Plan 2 Post 2004 In-Service Salary Deferral Current In-Service January 2013 Lump Sum Post 2004 In-Service Bonus Deferral Current In-Service January 2014 3 Annual Installments
Plan 3 2011 In-Service Salary Deferral Current In-Service January 2016 Lump Sum *In the absence of an election, the account will be distributed according to plan provisions.
Total $117,906.47 $7,475.00 $1,000.00 $1,350.75 $125,230.22
Non-Qualified Plan Activity (Part 1)
1.2. 3. 4. 5. 8.6.
10.
11.
7. 9.
See definitions on the next page.
9
1. Activity for This Period – Details for each Non-Qualified Deferred Compensation Plan in which you participate during the reporting period for the statement.
2. Beginning Balance – The market value of “deemed” assets credited to your account in each Non-Qualified Deferred Compensation Plan, as of the opening date of the reporting period.
3. Conversion In – Any “deemed assets” transferred from a prior recordkeeper during the reporting period.
4. Employee Deferrals – All deferrals credited to your account for the reporting period.
5. Employer Deferrals – All employer deferrals credited to your account for the reporting period.
6. Income/Other Credits – All interest and/or dividends on investments credited to your account for the reporting period.
7. Distributions/Fees/Other Debits – Items that reduce your account balance, such as distributions or fees.
8. Change in Value – The aggregate increase or decrease in the market value of the deemed assets credited to your account.
9. Ending Balance – The total market value of the “deemed” assets credited to your account in each Non-Qualified Plan, as of the closing date of the reporting period.
10. Deferral Summary – All deferrals to your account as of the current reporting statement (“This Period”) and year to date (“Ending Balance”).
11. Distribution Summary – All scheduled distributions from your account.
* These are estimates of your investment returns based on account data for the periods listed. The estimates are calculated using a widely accepted, time-weighted daily valuation method. The return is based on the results of your investment selections as well as account activity. Other methods of calculating returns may yield different results. Past performance is no guarantee of future results.
10
ACTIVITY DETAIL OCTOBER 1, 20XX - DECEMBER 31, 20XX
000000000000000000 0000000000000
SampleABC COMPANYPARTICIPANT NAME
10 | ABC COMPANY | NON-QUALIFIED DEFERRED COMPENSATION
NON-QUALIFIED DEFERRED COMPENSATION PLAN(S) CONTINUED
n INVESTMENT SUMMARY Beginning Beginning Ending Ending Share/ Investment EndingInvestment Balance Shares/Units Shares/Units Unit Price($) Gain/Loss BalanceEQUITY/STOCK $47,706.37ABC Large Cap Fund 46,896.22 956.1274 954.1274 $50.00 810.15 $47,706.37FIXED INCOME/BOND $69,872.60ABC Fixed Income Fund (ABCIX) 20,489.26 1430.1583 1434.7927 $15.00 1032.63 $21,521.89DEF Total Return Bond Fund (ABCIX) 17,536.21 641.2547 644.8536 $25.00 -1414.84 $16,121.34XYZ Bond Fund (ABCIX) 7,998.23 215.5263 223.4657 $36.25 102.39 $8,100.63ZZZ Global Bond Fund (ABCIX) 17,566.27 910.2568 916.2467 $21.36 2004.75 $19,571.03GHI Total Allocation Fund (ABCIX) 4,512.98 363.4537 363.4537 $12.54 44.72 $4,557.71MONEY MARKET/STABLE VALUE $7,651.25ABC Money Market Fund (ABCXX) 7,498.67 147.2089 153.0250 $50.00 152.58 $7,651.25Total $122,497.84 $2,732.38 $125,230.22
n ASSET ALLOCATIONThis pie chart shows the current asset allocation for your NQDC plan(s).
Other40%
Equity/Stock20%
Fixed Income/Bond20%
Money Market/Stable Value20%
Non-Qualified Plan Activity (Part 2)
2.3.4.
5. 6. 7. 8. 9. 10.
1.
a)b)
c)
See definitions on the next page.
11
1. Asset Allocation – Pie chart summarizing how your account is currently distributed across major asset classes.
2. Investment Summary – A fund-by-fund summary of your deemed investments in your plan(s) as of the closing date of the reporting period.
3. Current Investment Direction – The percentage of your future deferrals currently being directed to each fund (totals 100%).
4. Fund (Symbol) – The funds in which your account is deemed to be invested and each fund’s ticker symbol, if applicable. Funds are grouped according to asset class, for example:
a) Equity/Stock
b) Fixed Income/Bond
c) Money Market/Stable Value
5. Beginning Balance – Price per share or unit multiplied by the number of shares or units of each deemed investment held in your account at the beginning of the reporting period.
6. Beginning Shares/Units – Number of shares or units of each deemed investment held in your account as of the beginning date of the reporting period.
7. Ending Shares/Units - Number of shares or units of each deemed investment held in your account as of the closing date of the reporting period.
8. Ending Share/Unit Price – Share or unit price of each deemed investment held in your account as of the closing date of the reporting period.
9. Investment Gain/Loss - The change in value of your deemed investment during the reporting period, reflecting any investment gain or loss, plus or minus any activity that occurred in the fund.
10. Ending Balance – Price per share or unit multiplied by the number of shares or units of each deemed investment held in your account at the end of the reporting period.
12
ACTIVITY DETAIL OCTOBER 1, 20XX - DECEMBER 31, 20XX
SampleABC COMPANYPARTICIPANT NAME
12 | ABC COMPANY | EQUITY AWARDS
EQUITY AWARDSPlaceholder for Brokerage Account AlertPlaceholder for TEFRA message.Placeholder for Grant Award Acceptance Alert.
For complete details on your Equity Awards,please log on to www.benefits.ml.com
n OPTION AWARD BALANCE Grant Type/ Options Beginning Activity Ending Last Date Vested Potential Symbol Grant Date Grant Code Grant Price Granted Balance +/- Balance to Exercise Excercisable Market Value*ABC 04/18/2008 NQO/xxxxxxxx $39.50 1,000 1,000 1,000 1,000 04/18/2018 1,000 $10,000.00 09/11/2010 ISO/xxxxxxxx 51.75 750 750 750 750 09/11/2020 750 $28,312.50 08/15/2012 ISO/xxxxxxxx 76.25 1,000 500 500 500 08/15/2022 500 $13,250.00
Total 2,750 2,250 2,250 2,250 2,250 $51,562.50
n RESTRICTED AWARD BALANCE Grant Type/ Awards Beginning Activity Ending Potential Next Restriction Share/Units Symbol Grant Date Grant Code Granted Balance +/- Balance Market Value* Lapse Date Lapsing ABC 01/01/2009 RES/xxxxxxxx 1,000 1,000 1,000 1,000 $19,500.00 01/01/2013 1,000 07/24/2010 RSU/xxxxxxxx 750 750 750 750 7,125.00 07/24/2013 750 08/15/2011 DEU/xxxxxxxx 1,000 500 500 500 1,342.50 08/15/2014 500
Total 2,750 2,250 2,250 2,250 $27,967.50 2,250
n POTENTIAL MARKET VALUE* $199,313.88
n VESTED BALANCE: $177,374.09
n UNVESTED BALANCE: $21,939.79
n CLOSING PRICE ABC $89.50 AS OF 12/31/20XX
Equity Awards Section (Part 1)
1. 2.3.4.5.
6.
7.
a)
a)
b)
b)
c) d) f) g) h) i)
m)
j)
n)
k) l)
c) e) g) h) i)l)
See definitions on the next page.
13
1. Equity Award Messages – Personal alerts and messages pertaining to your brokerage account(s) and equity awards.
2. Potential Market Value – Potential market value of your awards, based on closing price on last day of reporting period, but NOT net of fees or taxes.
3. Vested Balance – Potential market value that is currently vested.
4. Unvested Balance – Potential market value that is NOT yet vested.
5. Closing Price – The share price of stocks included in your equity awards as of the closing date of the reporting period.
Award balances:6. Option Award Balance – Summary of stock option
awards in your account as of the closing date of the reporting period.
7. Restricted Award Balance – Summary of awards in your account as of the closing date of the reporting period.
The following items (a-n) refer to #6 and #7 above and on page 12, as applicable.
a) Symbol: Each stock’s ticker symbol.
b) Grant Date: The official date a participant receives an award.
c) Grant Type/Grant Code: The type of grant and reference code for each award received.
d) Grant Price: The set price at which an optionee can buy company stock under the terms of an employee stock option plan.
e) Awards Granted: The number of awards granted to you by your company.
f) Options Granted: The number of stock options granted to you by your company.
g) Beginning Balance: Your balance at the beginning of the statement period.
h) Activity (+/-): All exercises, cancels, etc., as of the statement period.
i) Ending Balance: Your balance at the end of the statement period.
j) Last Date to Exercise: The date your grant is no longer available under the terms of your company’s Plan and any agreement between you and your company.
k) Vested Exercisable: The number of equity awards that are exercisable in your recordkeeping account.
l) Potential Market Value: Value of vested/unvested awards, based on closing price on last day of reporting period, NOT net of fees or taxes.
m) Next Restriction Lapse Date: Date on which the next scheduled restriction will lapse, or end.
n) Shares/Units Lapsing: The number of shares/units due to lapse at the next restriction lapse date.
14
ACTIVITY DETAIL OCTOBER 1, 20XX - DECEMBER 31, 20XX
000000000000000000 0000000000000
SampleABC COMPANYPARTICIPANT NAME
14 | ABC COMPANY | EQUITY AWARDS
n PERFORMANCE AWARD BALANCE Grant Type/ Target Total Pending Total Achieved Ending Potential Next Performance Symbol Grant Date Grant Code Target Award Dividend Achievement (unpaid) Total Paid Balance Market Value* End Date ABC 04/18/2008 PS/xxxxxxxx 1,000 30.00 512.00 512.00 512.00 $512.00 $68,221.38 04/18/2018
Total 30.00 512.00 512.00 512.00 $512.00 $68,221.38
n STOCK APPRECIATION RIGHT BALANCE Grant Type/ SARs Beginning Activity Ending Last Date Vested Potential Symbol Grant Date Grant Code Grant Price Granted Balance +/- Balance to Exercise Exercisable Market Value* ABC 01/01/2009 SAR/xxxxxxxx $39.50 1,000 1,000 1,000 1,000 04/18/2016 1,000 $10,000.00 07/24/2010 SAR/xxxxxxxx $51.75 750 750 750 750 09/11/2018 750 28,312.00 08/15/2011 SAR/xxxxxxxx $76.25 1,000 500 500 500 04/11/2020 500 13,250.50
Total 2,750 2,250 2,250 2,250 2,250 $51,562.50
EQUITY AWARDS CONTINUED
Please log on to www.benefits.ml.com to view your equity award activity. If you have any questions please contact a Merrill Lynch Representative at (877) 765-7656. If you reside outside of the U.S., Canada or Puerto Rico, please contact a Merrill Lynch Representative at (609) 818-8908.
Values within this statement utilize standard rounding; actual numbers may vary. Values for equity awards represent potential market value based on market price. Potential market value may include potential income of unvested awards and values may change if your employment status changes. This figure does not take into account payment of applicable taxes or fees.
Please review your statement and advise Merrill Lynch if you find discrepancies in your personal or account information. If we do not hear from you within 60 days, we will assume that all information is correct.
The data presented on this section of your statement is for recordkeeping purposes only. This section of your statement does not reflect the holding of securities, cash or cash equivalents by Merrill Lynch, Pierce, Fenner & Smith Incorporated or any affiliate of Bank of America Corporation. Accordingly, the options reflected on this section of your statement are not subject to the provisions of the Securities Investor Protection Act of 1970, and brokerage account terms and conditions do not apply.
Please refer to the provisions in your individual Award Agreement, if applicable, and/ or the official stock plan document, which govern the terms of your award. The provisions in the Award Agreement, if applicable, and stock plan document supersede any information, including conflicting information, reflected in this statement or on the Benefits OnLine website.
Equity Awards Section (Part 2)
8.
9.
a)
a)
b)
b)
d)c)
c) g) h) i) k)
e) f) j) l) m)
m) n) o)p)
p) q)
See definitions on the next page.
15
Award balances:8. Performance Award Balance – Summary of awards in
your account as of the closing date of the reporting period.
9. Stock Appreciation Right Balance – Summary of awards in your account as of the closing date of the reporting period.
The following items (a-q) refer to #8 and #9 above and on page 14, as applicable
a) Symbol: Each stock’s ticker symbol.
b) Grant Date: The official date a participant receives an award.
c) Grant Type/Grant Code: The type of grant and reference code for each award received.
d) Target Award: Represents the initial award amount. This amount may increase or decrease depending on the performance of the company-defined metric(s).
e) Target Dividend: Represents dividends accrued on the target award amount. This amount may increase or decrease depending on the performance of the company-defined metric(s).
f) Total Pending Achievement: Represents shares/units that are not yet achieved.
g) Grant Price: The set price at which an optionee can buy company stock under the terms of an employee stock option plan.
h) SARs Granted: The number of SARs granted to you by your company.
i) Beginning Balance: Your balance at the beginning of the statement period.
j) Total Achieved (unpaid): Represents shares awaiting payout.
k) Activity (+/-): All exercises, cancels, etc., as of the statement period.
l) Total Paid: Number of shares paid.
m) Ending Balance: Your balance at the end of the statement period.
n) Last Date to Exercise: The date your grant is no longer available under the terms of your company’s Plan and any agreement between you and your company.
o) Vested Exercisable Balance: The number of equity awards that are exercisable in your recordkeeping account.
p) Potential Market Value: Value of vested/unvested awards, based on closing price on last day of reporting period, NOT net of fees or taxes.
q) Next Performance End Date: Date on which the next scheduled performance period ends.
16
ACTIVITY DETAIL OCTOBER 1, 20XX - DECEMBER 31, 20XX
000000000000000000 0000000000000
SampleABC COMPANYPARTICIPANT NAME
16 | ABC COMPANY | DEFINED BENEFIT
DEFINED-BENEFIT PLAN(S)n ACCRUED BENEFIT INFORMATION
Your ABC Corp Retirement PlanYour 12/31/20XX Estimated Accrued Monthly Benefits as a Life Annuity at age 65. $3,550(Calculate other estimate dates online.) (Standard Field 1)Your estimated Projected Monthly Benefit as a Life Annuity at age 65. $3,550(Calculate other estimate dates online.) (Standard Field 2)
Additional Custom Fields Available xxxxxxxxxxx
IMPORTANT INFORMATION ABOUT ABC CORP RETIREMENT PLAN
After five years of continuing service, you are 100% vested. [If you separate employment, any unvested portion is forfeited based on the Plan vesting schedule.]
n YOUR PERSONAL INFORMATION
Benefit Plan 1
Current Status: ActiveHire Date: xx/xx/xxBirth Date: xx/xx/xxSpouse’s Birth Date: xx/xx/xxDate of Normal Retirement: xx/xx/xx
n SOCIAL SECURITY BENEFIT INFORMATIONTo receive a certified statement of your social security benefits issued directly by the Social Security Administration, you may log onto https://secure.ssa.gov/apps6z/issss/main.html and complete the online application form. After submission, a statement of benefits will be mailed to you in 2 to 4 weeks.
IMPORTANT INFORMATION ABOUT YOUR RETIREMENT PLAN
*This statement reflects your estimated benefit only and should not be relied upon for determining your actual distributable benefit. Your exact pension benefit will be determined after a certified calculation has been performed reflecting your actual service, salary, employment history and other relevant data determined in accordance with your retirement date or termination of employment.
n CASH BALANCE INFORMATION
Your ABC Corp Cash Balance Plan
Balance as of 12/31/20XX $16,000.00Vested Balance as of 12/31/20XX $10,000.00
Pay Credits during period (Custom Field 1) $4,125.65Interest Credits during period (Custom Field 2) $1,072.03Additional Custom Fields Available xxxxxxxxxxx
IMPORTANT INFORMATION ABOUT ABC CORP CASH BALANCE PLAN
The interest credit rate is the monthly equivalent of the 5 year U.S. Treasury Bond yield for the month of November during the prior year. The annual percentage rate basis fro the interest credit applied to your balance for this quarter was 3.05%.
Defined Benefit Plan Section
1.4.
2.
5.
6.
7.
3.a)
c)b)
d)
See definitions on the next page.
17
1. Accrued Benefit Information – The estimated amount of your accrued benefit payable at age 65 as of the end of the reporting period, if you choose the Life Annuity payment option.
2. Important Information About ABC Corp Retirement Plan – Information about your account, such as the vested percentage.
3. Cash Balance Information – A summary of your Cash Balance account:
a) Balance at the end of the reporting period
b) Vested Balance, which you are entitled to take with you if you terminate employment
c) Pay Credits accrued to your account during the reporting period
d) Interest Credits accrued to your account during the reporting period
4. Your Personal Information – Provides key data about you currently on file.
5. Your Beneficiary Information – Information about the beneficiary who would receive your Cash Balance benefit in the event of your death.
6. Social Security Benefit Information – Where you can learn more about your estimated Social Security Benefit at your full Social Security retirement age.
7. Important Information About Your Retirement Plan – Reminders and information that may be of interest to you.
18
Fund Performance Data
On your statementOnce a year your statement will include performance data for all the funds offered in your Plan. Here’s what you’ll find:
1. Fund Names – Each fund and its corresponding index, categorized by investment objective.
2. Ticker Symbols – Symbol for each fund (if applicable) for easy look-up.
3. Yearly Total Return Percentage – Yearly return percentages for the latest quarter and year-to-date.
4. Average Annual Total Return Percentages – Includes average annual total return percentages for one, five and ten years (if available).
Online
You can always find the latest performance data for all the investment options in your plan on Benefits OnLine at www.benefits.ml.com.
INVESTMENT CHOICES & PERFORMANCEPrinter-friendly Version
Investment Choices Average Annual Total Returns Total Returns
The performance data contained herein represents past performances, which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data quoted.
All total returns assume the reinvestment of all dividend and capital gain distributions at net asset value when paid and do not reflect the deduction of any sales charge, as these charges are not applicable to this plan. Had the sales charge been deducted, results would have been lower than shown. Please note that there are other charges and expenses that apply to the investment options, such as management fees, which are reflected in their net investment return.
The choices shown below are the investments available through your retirement plan. You currently hold a balance in any investment with an asterisk.
Click on the investment to view additional information. Place your mouse over the investment to view Redemption Fees.
“Show Only My Investments” will display information about funds for investment.
Monthly View | Quarterly View
Show Benchmarks
Show Only My InvestmentsResults for Month Ending January 31, 2013
�
Funds InceptionDate
GrossExpenseRatio
1 Yr 3 Yrs 5 Yrs 10 Yrs Since Inception
EQUITY/STOCK
ABC Large Cap Value FundLipper Large-Cap Value Funds Average
DEF Small Cap FundLipper Small-Cap Core Funds Average
ABC Growth FundLipper Multi-Cap Growth Funds Average
06/07/2002 0.86% 9.49%
9.29%
10.35%
11.30%
13.69%
12.96%
7.92%
11.14%
8.51%
7.89%
6.53%
6.26%
4.98%
2.28%
10.82%
10.53%
4.94%
4.57%
N/A
3.15%
N/A
4.08%
5.84%
5.74%
7.31%
N/A
3.52%
N/A
3.46%
N/A
0.70%
0.66%
05/28/2002
10/30/1992
— Select Quick Links — (Edit) Plan Selector: — Select Plan —
My Accounts
Account Information Current Elections Fund Transfer Outstanding Loans Distributions Plan Information Investments
Education Center Advice & Planning Markets 401(k) NQDC Pension Equity Plan
The performance information provided is for illustrative purposes only.
000000000000000000 0000000000000
SampleABC COMPANYPARTICIPANT NAMEINVESTMENT DETAIL OCTOBER 1, 20XX – DECEMBER 31, 20XX
18 | ABC COMPANY | FUND PERFORMANCE
FUND PERFORMANCE
Lower Risk/ Lower Potential Reward
Higher Risk/ Higher Potential Reward
CAPITAL PRESERVATION FUNDS INCOME FUNDS GROWTH AND INCOME FUNDS GROWTH EQUITY FUNDS
seek to maintain the invest in securities and bonds seek a combination of current seek to increase the value money that you invest. that have the potential to earn income and capital appreciation. of your investment over steady income in the form of a number of years. interest and dividends.
A B C D
A
B CD
Yearly Total Return % Average Annual Total Return %
Gross For the Year Since Symbol Expense Ratio Quarter to Date 1 Year 5 Year 10 Year Inception Inception Date
CAPITAL PRESERVATION FUNDSMONEY MARKET/STABLE VALUE
Fund Name ABC 0.29 1.92 14.19 19.79 11.83 15.10 N/A N/A Index Name -4.70 -8.63 -1.12 7.62 -1.32 N/A N/A
Fund Name ABC 0.42 5.39 9.46 20.63 17.52 12.00 N/A N/A Index Name -0.66 -1.69 18.28 9.52 8.58 N/A N/A
Fund Name ABC 0.51 0.51 9.50 20.35 3.27 -1.05 N/A N/A Index Name 31.47 18.89 31.10 10.84 10.71 N/A N/A
Fund Name ABC 0.39 14.79 18.71 21.17 23.49 N/A N/A N/A Index Name -22.74 -32.46 -28.27 17.61 11.46 N/A N/A
INCOME FUNDSFIXED INCOME/BONDS
Fund Name ABC 0.87 -3.66 0.45 5.01 -0.25 10.26 N/A N/A Index Name -2.64 6.66 23.06 14.86 14.36 N/A N/A
Fund Name ABC 0.67 0.99 2.38 4.06 N/A N/A 4.01 04/12/2004 Index Name 0.94 2.25 3.82 3.92 N/A 4.22 07/01/2001
Fund Name ABC 0.55 -2.14 4.36 18.53 19.21 15.95 N/A 12/31/2002 Index Name -1.24 3.49 N/A N/A N/A 3.80 11/20/2006
1.
2.3. 4.
19
Access Statements and More Online, Anytime
Review your statements onlineYour newest statement is always available on Benefits OnLine.
A new statement will be posted following the end of each reporting period. It may also be mailed to you at approximately that time.
For prior statements, click Account Information under the 401(k) tab, then Statements.
Choosing online delivery You can also elect to receive your statements exclusively online and eliminate hardcopy mailings. You can receive confirmations of transactions and prospectuses exclusively online as well.
With Online Delivery, you receive an e-mail with a link to Benefits OnLine whenever a new document is available.
To elect online delivery…Log on to www.benefits.ml.com
• Go to 401(k) Plan > Current Elections > Delivery Preferences
• Follow the prompts to enter your elections.
Start Date End Date
2013-07-01
2013-04-01
2013-01-01
2013-09-30
2013-06-30
2013-03-31
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Statements are typically available within ten business days from the end of your statement period.
Prior to taking a distribution, the IRS requires that you read and understand the 402(f) Tax Notice. If you intend to take a distribution within the next 90 days, please read the Notice, and consult with your tax advisor should you have any questions.
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