EFTA00810614

Portfolio Review Kathryn Ruemmler Danielle Bumess, Senior Vice President - Wealth Management, Senior Financial Advisor February 04, 2019 Merrill Lynch Bank of America Corporation SENSITIVE CLIENT INFORMATION INSIDE EFTA00810614 Account List Merrill Lynch Bank of America Corporation As of Close of Business: 02/01/2019 Merrill Lynch Account Number/NickName AccountTide CreditType Account Registration Market Value(S) %of Total XXX-XX739 "KATHY SMA MUNI' Cash CMA 636.322 14.41 Service Type: Managed Strategy Investment Manager/Model: EATON V TABS MUNILAD 1-8 AA- M Manager Style: Laddered Muni XXX-XX433 "Investment CMA" Cash CMA Pledged 2.686.382 60.86 Service Type: Personalized Client Disc XXX-XX435 "IRA" Cash IRRA 864.101 19.57 Service Type: Personalized Client Disc XXX-XX436 'CMA Checking" Cash CMA 227.591 5.16 Total 4,414,396 100 Credit and Loans Outstanding Account Number AccountTitle Balance As Of Credit Type Account Registration Ownership Balance(S) XXX-XX437 "LMA" Cash LMA SINGLE 802.39542 Total 802,395.42 Unless otherwise indicated. assets and investment accoitts included in this Report are held at Merrill Lynch. Pierce. Fenner a Smith Incorporated rkILPF&S"). Member SIPC. Bank deposits are held at the Bank of America. NA. and affiliated banks or other depository institutions and are covered by FDIC insurance up to amicable limits. Bank deposits are rot protected by SIPC. Loan Management Accounts& (LMPS accounts) are demand lines of credit provided by Bank of America. N.A. secured by eligible Merrill Lynch brokerage accounts and are displayed under Merrill Lynch for your convenience. Please refer to 'Important Information About this Report' for more information. All reports other than the Balances report contain brokerage information only. Report created February a. 20t9 for Kathryn Ruemmler For Informational Purposes Only - Account Statement is Official Record of Holdings, Balances and Security Values Page I EFTA00810615 Asset Allocation Overview Merrill Lynch Bank of America Corporation As of Close of Business: 02/01/2019 Asset Allocation Equity Size and Style Fixed Income Cass Equate Wad Fed Neon* Deed 8.49% 081% 239% Lonollimteend InSematranai early 10.40% 1599% Large Cap Groat 3455% &name Op Value Snort Terre acne 953% 40 OWN Phis insure 34.10% Smaallee Cap Growth 10 25% Mt. Term64.0 41.13% Market % of Market %of Market %of Asset Class Value(S) Total Size & Style Voioti(3) Total Maturity Value(S) Total ■ Equity 2.536.489 57.41 ■ Large Cap Growth 876.463 34.55 ■ Long Term Bond 247.087 16.40 ■ Fixed Income 1.506.697 34.10 ■ Large Cap Value 730.530 28.80 ■ Int. Term Bond 619,741 41.13 ■ Cash 375.088 8.49 ■ SmallrMid Cap Growth 260.058 10.25 ■ Short Term Bond 603,868 40.08 Subtotal 4,418,274 100.00 • Smallrklid Cap Value 241.836 9.53 ■ Fixed Income Blend 36.000 2.39 Managed Assets Short ASocations (9.660) ■ International Equity 405.467 15.99 Total 1,506,697 100.00 Other 5.782 Equities Blend 22.134 0.87 Total 4.414.396 Total 2,536.489 100.00 Account Summary Too Holdings (Based on Market Value) Market %of Market % of Account Account Type:Manager Value(S) Total Security Description Quantity Price(S) Value(S) Total XXX-X%433 -Investment UMA ci..A ',edged 2.686.382 60.86 ISHARES S&P 500 3.837 161.79 620.788 14.06 XXX-)O(435 'IRA' IRRA 864.101 19.57 GROWTH XXX-XX739 'KATHY SMA MUM EATON V TABS IAUNILAD 1.8 AA- M 636.322 14.41 VANGUARD VALUE ETF 4.785 105.00 502.569 11.38 XXX-)0C436 'CMA Checking" CMA 227.591 5.16 MFS INTERNATIONAL VALUE 8.643 41.54 359.037 8.13 Total 4,414,396 100.00 FUND CA. I LORD ABBETT FLOATING 38.704 8.82 341.367 7.73 PATE FUND CL ML BANK DEPOSIT PROGRAM 311.749 1.00 311.749 7.06 ISHARES S&P 500 VALUE 2.489 109% 273.666 6.20 BLACKROCK STRATEGIC MUNI 18.629 11.39 212.188 4.81 OPPORTUNITIES FUND INSTL DREYFUS/STANDISH GLOBAL 9.534 20.72 197.555 4.48 FIXED INCOME FD CL1 MFS VALUE FD CL I 3.993 38.42 153.425 3.48 'SHARES S&P SMALLCAP 600 718 175.54 126.038 2.86 DRUMM Total 3,098,381 70.19 Accounts included in this report: Please refer to the Account Lest for accounts ocluded in this report. Report created February 4.2019 tor Kathryn RuernmIer Page 2 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810616 Time Weighted Rate of Return by Period: Yearly Merrill Lynch Bank of America Corporation Performance period: 03/06/2008 to 01:31:2019 Opening Contributions, Interest/ Appreciation! Closing ROR ROR Period Balance(S) (Withdrawals)($) Dividends($) (Depreciation)($) Balance(S) Potiod(%) Cum(%) 2019 4.185.282 28.147 908 193,043 4.407,380 4.61 45.80 2018 4.762.288 (372.110) 113.949 (318.845) 4.185.282 (4.39) 39.37 2017 3.331.142 1,031.515 88.700 310,931 4.762.288 10.45 45.77 2016 2.464.321 738.915 62.875 65,030 3.331,142 4.59 31.98 2015 2.668.696 (189.878) 73.666 (88.163) 2.464,321 (0.74) 26.18 2014 997.712 1,589.426 73.010 8,548 2.668,696 6.27 27.12 2013 888.515 (2.774) 39.390 72,581 997,712 12.46 19.61 2012 851.819 (60.740) 28.172 69.265 888,515 11.54 6.36 2011 872.953 281 13.874 (35.289) 851,819 (2.46) (4.64) 2010 790.261 10.920 8.143 63,629 872,953 8.94 (2.23) 2009 236.650 457,080 15.094 81,438 790.261 14.49 (10.25) 2008 0 298,416 14,964 (76.730) 236.650 (21.62) (21.62) Total 0 3,529,198 532,745 345,437 4,407,380 45.80 Note that various factors. including unpriced securities. and certain adjustments, holdings or activity may cause report results to differ from actual performance. Report results may also differ from results reported by other Merrill Lynch services. Past performance does not guarantee future results. Accounts Included in this report: Please refer to the Account List for accounts .1c:bided in this report. Report created February 4.2019 ler Kathryn Ruernmler Page 3 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810617 Relative Performance - Equity: Yearly lJ Merrill Lynch Bank of America Corporation Performance period:05/01/2008 to 01/31/2019 Russell 1000 Value Russell 1000 Russell 2000 Value Russell 2000 MSCI EAFE TR MSCI Emerging Actual ROR(%) TR(%) Growth TR(%) TR(%) Growth TR(%) Net(%) Markets TR Net(%) Period Year Cum Year Cum Year Cum Year Cum Year Cum Year Cum Year Cum 2019 7.64 115.61 7.78 105.15 8.99 194.41 10.94 119.91 11.55 165.90 6.57 15.94 8.77 14.09 US Equity 8.12 134.41 International Equity 5.45 37.39 2018 (5.82) 100.31 (8.27) 90.34 (1.51) 170.13 (12.86) 98.23 (9.31) 138.37 (13.79) 8.79 (14.58) 4.89 US Equity (4.94) 116.80 International Equity (9.38) 30.29 2017 20.69 112.68 13.66 107.49 30.21 174.28 7.84 127.49 22.17 162.84 25.03 26.19 37.28 22.79 US Equity 19.42 128.08 International Equity 25.47 43.78 2016 10.36 76.22 17.34 82.55 7.08 110.64 31.74 110.96 11.32 115.15 1.00 0.93 11.19 (10.56) US Equity 11.88 91.00 International Equity 4.60 14.59 2015 0.24 59.68 (3.83) 55.57 5.67 96.72 (7.47) 60.13 (1.38) 93.27 (0.81) (0.07) (14.92) (19.55) US Equity 0.34 70.72 International Equity 0.45 9.56 2014 9.15 59.29 13.45 61.76 13.05 86.17 4.22 73.05 5.60 95.98 (4.90) 0.75 (2.19) (5.45) US Equity 10.51 70.14 International Equity 2.04 9.06 2013 27.15 45.94 32.53 42.58 33.48 64.68 34.52 66.05 43.30 85.58 22.78 5.94 (2.60) (3.34) US Equity 29.80 53.96 International Equity 12.13 6.88 2012 17.20 14.78 17.51 7.59 15.26 23.37 18.05 23.44 14.59 29.50 17.32 (13.71) 18.22 (0.75) US Equity 17.21 18.62 International Equity 17.92 (4.69) 2011 (7.68) (2.07) 0.39 (8.44) 2.64 7.04 (5.50) 4.56 (2.91) 13.02 (12.14) (26.45) (18.42) (16.05) US Equity (6.22) 1.20 International Equity (13.62) (19.17) 2010 12.70 6.08 15.51 (8.80) 16.71 4.28 24.50 10.65 29.09 16.40 7.75 (16.29) 18.88 2.91 US Equity 13.73 7.92 International Equity 8.51 (6.43) 2009 26.69 (5.87) 19.69 (21.04) 37.21 (10.65) 20.58 (11.13) 34.47 (9.83) 31.78 (22.31) 78.51 (13.43) US Equity 26.14 (5.11) International Equity 40.18 (13.77) 2008 (25.70) (25.70) (34.03) (34.03) (34.88) (34.88) (26.29) (26.29) (32.94) (32.94) (41.04) (41.04) (51.50) (51.50) US Equity (24.78) (24.78) International Equity (38.48) (38.48) With respect to performance shown. various factors. including unpriced secunties. and certain adjustments. holdings or activity may cause report results to oiler from actual performance. Report results may also differ from results reported by other Merrill Lynch services. Past performance does not guarantee future results. Reference Indices are included 11 this report as a general source of information regarding the performance of various types of investments. Allocation models and Indices should not be used to benchmark the performance of a specific accant or portfolio. Your Emend& Advisor can provide further information regarding the particular allocation models and Indices shown. including how the composition of an index compares to the composition of your account or portfolio. Accounts Included In this report: Please refer to the Account Lest for accounts ricluded in this report. Report created February 4. 2019 lot Kathryn Ruernmler Page 4 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810618 Relative Performance - Fixed Income: Yearly Merrill Lynch Bank of America Corporation Performance period:05/01/2008 to 01/31/2019 ICE BofAML US ICE BofAML US ICE BofAML Corporate & Corporate & Municipal Government Government 1.3 Lipper Core Bond Lipper Flex Port Fd Actual ROR(%) Master(%) Master(%) Yrs(%) Fund Index(%) Index(%) Period Year Cum Year Cum Year Cum Year Cum Year Cum Year Cum 2019 0.95 53.11 0.75 58.70 1.10 47.79 0.38 20.17 1.31 49.95 6.05 68.41 Taxable 1.34 52.71 Tax Exempt 0.65 8.79 2018 0.49 51.67 1.04 57.51 (0.32) 46.19 1.63 19.71 (0.45) 48.01 (6.10) 58.81 Taxable (0.62) 50.69 Tax Exempt 1.20 8.09 2017 4.54 50.93 5.42 55.89 4.03 46.66 0.86 17.79 3.95 48.68 15.47 69.12 Taxable 3.84 51.62 Tax Exempt 5.26 6.82 2016 2.75 44.37 0.44 47.88 2.92 40.99 1.29 16.79 3.43 43.02 7.16 46.47 Taxable 4.44 46.02 Tax Exempt (0.25) 1.48 2015 2.32 40.51 3.55 47.24 0.30 36.99 0.67 15.30 0.32 38.28 (2.53) 36.68 Taxable 1.46 39.81 Tax Exempt 3.50 1.73 2014 3.96 37.32 9.78 42.19 6.48 36.58 0.78 14.54 5.86 37.84 4.31 40.23 Taxable 3.59 37.80 Tax Exempt 2.39 (1.71) 2013 (2.16) 32.09 (2.89) 29.52 (2.68) 28.27 0.70 13.65 (1.64) 30.21 15.55 34.43 Taxable (1.37) 33.02 Tax Exempt (5.47) (4.01) 2012 9.55 35.01 7.26 33.38 5.09 31.79 1.48 12.86 6.48 32.37 13.34 16.34 Taxable 9.45 34.87 Tax Exempt 1.55 1.55 2011 3.16 23.23 11.19 24.36 8.61 25.41 1.56 11.21 7.04 24.31 (1.16) 2.65 Taxable 3.16 23.23 2010 7.30 19.46 2.25 11.84 6.83 15.46 2.82 9.50 8.16 16.14 12.91 3.85 Taxable 7.30 19.46 2009 12.67 11.34 14.45 9.38 4.83 8.08 3.84 6.50 12.65 7.38 29.17 (8.03) Taxable 12.67 11.34 2008 (1.19) (1.19) (4.44) (4.44) 3.10 3.10 2.57 2.57 (4.68) (4.68) (28.80) (28.80) Taxable (1.19) (1.19) With respect to performance shown. various factors. including unpriced secunbes. and certain adjustments. holdngs or activity may cause report results to differ from actual performance. Report results may also &tier from results reported by other Merrill Lynch services. Past performance does not guarantee future results. Reference Indices are included in this report as a general source of information regarding the performance of various types of investments. Allocation models and Indices should not be used to benchmark the performance of a specific accowit or portfolio. Your Emend& Advisor can provide further information regarding the particular allocation models and Indices shown. including how the composition of an index compares to the composition of your account or portfolio. Accounts included in this report: Please refer to the Account List for accounts ricluded in this report. Report created February 4.2019 lot Kathryn Ruernmler Page 5 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810619 Security Performance - Daily Valuation: Yearly 1 Merrill Lynch Bank of America Corporation Performance period: 09126/2012 to 0113112019 Security % of Performance Entire Security Description Total Date Range 2012 2013 2014 2015 2016 2017 2018 2019 Period Stocks & Related FV FIRST TR DORSEY WRT 1.27 10/262015 to 01/31/2019 2.68 (0.55) 19.97 (8.27) 12.48 26.40 FOCUS 5 ETF SH EFA ISHARES MSCI EAFE 0.87 12/1812015 to 01/31/2019 1.14 1.37 25.09 (13.81) 6.63 17.89 EEM ISHARES MSCI EMERGING 1.15 08/14/2018 to 01/31/2019 (7.10) 10.34 2.51 MKTS IVW ISHARES S&P 500 14.06 07/31/2014 to 01/31/2019 7.60 5.37 6.82 27.22 (0.19) 7.40 65.16 GROWTH IVE ISHARES S&P 500 VALUE 6.20 12/18/2015 to 01/31/2019 1.39 17.31 15.25 (9.19) 8.54 35.12 IJT ISHARES S&P SMALLCAP 600 2.86 07/05(2013 to 01/31/2019 19.47 4.01 2.70 22.07 14.47 (4.39) 9.06 85.92 GROWTH IJS ISHARES S&P SMALLCAP 600 2.69 08/19(2016 to 01/31/2019 13.94 11.35 (12.84) 12.26 24.14 VALUE TIP ISHARES TIPS 0.89 08/14/2018 to 01/31/2019 (1.16) 1.42 0.25 BOND ETF VUG VANGUARD GROWTH ETF 2.81 08/30(2017 to 01/31/2019 9.06 (3.30) 9.20 15.16 VTV VANGUARD VALUE ETF 11.38 08/30(2017 to 01/31/2019 11.06 (5.44) 6.95 12.32 Mutual Funds FDSWX AIG FOCUSED 1.11 10/15(2013 to 01/31/2019 7.05 8.73 (0.75) 15.63 19.77 (11.10) 7.45 52.82 DIVIDEND STRATEGY FD W MAMTX BLACKROCK STRATEGIC MUNI 4.81 01/12/2017 to 01/31/2019 6.90 1.27 0.35 8.63 OPPORTUNITIES FUND INSTL DBLTX DOUBLELINE TOTAL RETURN 1.92 09/26/2012 to 01/31/2019 0.73 0.02 6.73 1.96 1.87 3.79 1.75 0.59 18.66 BOND FUND CLI SDGIX DREYFUS/STANDISH GLOBAL 4.48 12/18/2015 to 01/31/2019 (0.11) 2.41 4.35 (0.79) 1.72 7.71 FIXED INCOME FD CL I SGIIX FIRST EAGLE 1.09 09/26/2012 to 01/31/2019 2.87 15.79 3.19 (0.66) 10.94 13.78 (8.26) 7.22 51.61 GLOBAL CLASS I LFRFX LORD ABBETT FLOATING 7.73 10/15(2013 to 01/31/2019 1.43 1.14 0.33 10.02 3.97 (0.14) 1.90 19.79 RATE FUND CL F MFEIX MFS GROWTH FUND CL I 1.44 09/26(2012 to 01/31/2019 0.51 36.61 8.79 7.37 2.46 30.86 2.59 8.75 139.92 MINIX MFS INTERNATIONAL VALUE 8.13 08/21/2014 to 01/31/2019 (2.07) 6.77 4.18 27.15 (9.01) 4.66 31.90 FUND CL I MEIIX MFS VALUE FD CL 3.48 08/19(2016 to 01/31/2019 3.04 17.76 (9.86) 7.91 18.03 Municipal Bonds - GO Uninsured 0782756N9 BELLAIRE TEX GO REF BDS 1.15 10/24/2018 to 01/31/2019 1.39 0.83 2.23 2018 LT NOV18 05.000%FEB15 2023 161681SJI CHASKA MINN INDPTSCH 0.50 12/06/2018 to 01/31/2019 0.44 0.69 1.13 DIST NO 112 GO A SCH GTD MAYI 2 05.000%FEBOI 2022 Accounts Included In this report: Please refer to the Account List for accounts included in this report. Report created February 4.2019 Ice Kathryn Ruernmler Page 6 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810620 Security Performance - Daily Valuation: Yearly Merrill Lynch Bank of America Corporation Performance period: 09/26/2012 to 01/31/2019 Security % of Performance Entire Security Description Total Date Range 2012 2013 2014 2015 2016 2017 2018 2019 Period 180848X01 CLARK CNTV NEV GO TRANS 1.20 10/23/2018 to 01/31/2019 2.37 1.25 3.66 IMPT BDS LT SER B NOV18 05.000%DECO1 2024 208399N35 CONROE TEX CTFS OBLIG 0.95 10/2512018 to 01/31/2019 2.82 1.42 4.28 SER A NOV18 05.000%MAROI 2026 263713E88 DUBLIN OHIO GO VARIOUS 1.21 12/01/2018 to 01/31/2019 0.27 0.36 0.63 PURP BDS LT SER A DEC18 05.000%DECO1 2020 341530LG9 FLORIDA ST BRD ED PUB ED 0.54 12/06/2018 to 01/31/2019 0.72 1.00 1.72 CAP OUTLAY REF BDS LT C DEC17 05.000%JUN01 2025 367298YK6 GASTON CNTV NC GO SCH 0.52 12/01/2018 to 01/31/2019 1.07 0.89 1.98 BDS 2018 NOV18 05.000%AUGO1 2023 489645RW3 KENNETT PA CONS SCH DIST 0.60 10/2512018 to 01/31/2019 0.78 0.55 1.33 GO BDS LT SER AA SCH GTD NOV18 04.000%FEBIS 2021 489645RV5 KENNETT PA CONS SCH DIST 0.58 10/2512018 to 01/31/2019 0.48 0.25 0.73 GO BDS LT SER AA SCH GTD NOV18 04.000%FEB15 2020 495033EZ1 KING CNTY WASH SCH DIST 0.83 10/25/2018 to 01/31/2019 3.25 1.86 5.17 NO 401 H1GHUNE SCH GTD NOV18 05.000%DECO1 2026 807025CX7 SCHOHARIE CNTY NY BANS 1.15 10/2512018 to 01/31/2019 0.38 0.31 0.69 2018 LT NOV18 03.250%NOV07 2019 93974CC40 WASHINGTON ST GO REF BDS 0.69 11/202018 to 01/31/2019 0.32 0.20 0.52 R SER A NOV11 05.000%JULOI 2019 940270DL2 WASHINGTON TWP IND MET 1.18 10/2512018 to 01/31/2019 1.36 0.76 2.13 SCH DIST UNLTD SCH GTD NOV18 03.000%JULI5 2022 Municipal Bonds - Revenue 34160PDY2 FLORIDA ST DEPT MGMT 0.53 12/01/2018 to 01/31/2019 1.24 1.24 2.50 SVCS CTFS PARTN COPS A DEC18 05.000%NOVOI 2024 79625GAD5 SAN ANTONIO TEX ELEC & 1.21 10/2512018 to 01/31/2019 0.72 0.49 1.22 GAS REV REF BDS 2018 NOV18 05.000%FEB01 2021 92818ML32 VIRGINIA ST RES AUTH 1.23 10/31/2018 to 01/31/2019 3.25 1.40 4.69 INFRASTRUCTURE REV BDS C NOV18 05.000%NOV01 2025 Data Not Available for Select Securities 7.55 Accounts included in this report: Please refer to the Account List for accounts included in this report. Report created February 4.2019 toe Kathryn Rumninler Page 7 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810621 Security Performance - Daily Valuation: Yearly Merrill Lynch Bank of America Corporation Performance period: 09/26/2012 to 01/31/2019 % of Total S as of 02101/2019. Al numeric values in this repon are percentage based. This report is designed to assist you in the evaluation of certain securities in your portfolio. Please contact your Financial Advisor if you have arty questions waning the information contained in this report. This report contains useful information about the securities in your portfolio and certain market indexes. Um:le/tying performance data used in generating this report has been obtained from internal BOA/Merrill Lynch systems. Some &cosines in your portfolio may not be included in this report due to lack of data avaiability. The return information for the securities and market indexes reflect lime weighted rates of return. The returns shown are based on original purchase date and price for the latest contiguously held period of the security dsplayed. when available. The aggregated performance of the individual securities shown in this report may not reflect the total performance that may be shown elsewhere in this report for the total portfolio due to certain account activity which is not considered in generating this report. Past performance does not guarantee future results. This report does not reflect the impact of advisory fees that may apply to the account in which the securities are held. If these advisory fees were deducted the performance shown would be lower. Underlying prices used in generating this report have been obtained from the settled closing price recorded al Merrill Lynch. Please note that when this report provides performance comparisons to a market index. the market index performance does not reflect transaction costs or the deduction of fees. It is not possible to invest cirectly fl an index. An investment in the securities comprising an index would require that an investor incur transaction costs andror fees, with a consequent reduction in returns. Allocation models and indexes shown should not be used to benchmark the performance of a specific security. Your Financial Advisor can provide further liformatron regarding the particular allocation models and indexes shown. including how the composition of an ildex compares to the individual investments andror composition of your account or portfolio. The information herein shad nol constitute an offer, or an invitation to make an offer to buy or sell any mutual fund shown. Accounts included in this report: Please refer to the Account List for accounts ncluded in this report. Report created February 4.2019 lot Kathryn Anemone, For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values Page EFTA00810622 Estimated Income Summary Merrill Lynch Bank of America Corporation As of Close of Business: 02/01/2019 $60.000 $55.000 $50.000 $45.000 $40.000 $35.000 ▪ Principal $30.000 ❑ Dividends $25.000 Interest $20.000 $15.000 $10.000 $5.000 $0 Feb Mar Apt May Jun Jul Aug Sep Oct Nov Dec Jan Interest(5) DIvIdend(S) Month Tax-Exempt Taxable Tax-Exempt Taxable PrInelpal($) Total($ February 2019 3.247 1.994 0 87 0 5.328 March 2019 1.065 1948 0 9.113 0 14.127 April 2019 550 1.994 0 87 0 2.631 May 2019 1.977 1.994 0 87 0 4.058 June 2019 4.171 1948 0 10242 0 18.362 July 2019 2.279 1.994 0 87 30.000 34.360 August 2019 5.136 1.994 0 87 0 7.217 September 2019 1.425 1948 0 9.113 0 14.487 October 2019 550 1.994 0 87 0 2.631 November 2019 3.800 1.994 0 87 50.000 55.881 December 2019 4.175 1948 0 16227 0 24.350 January 2020 1.300 1.994 0 87 0 3.381 Total Income 29,675 31,745 0 45,393 80,000 186,813 Report includes the estimated monthly income from fixed income. equities and mutual funds. For fixed income, estimates are based on the security's coupon. For equities and mutual kinds. estimates are based on recent dividend payments. which may change in the future. Accounts included in this report: Please refer to the Account Lest for accounts ricluded in this report. Report [(Wed February 4.2019 toe Kathryn Ruemniter For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values Page 9 EFTA00810623 Unrealized Gain/(Loss) by Account/Product Merrill Lynch Bank of America Corporation As of Close of Business: 02/01/2019 XXX-XX739 "KATHY SMA MUNI• Cash Balance (Settled and Unsettled) 1,029 Money Accounts Unit Cost Unrealized Security Description Quantity Cost(6) Price(S) Basis(S) Market Value(S) Galru(Lose)(5) G/( -)0X4 990286916 14.055 1.00 14.055 ML BANK DEPOSIT PROGRAM Total Money Accounts 14,055 Municipal Bonds - GO Uninsured Unit Cost Accrued Unrealized Security Description Rating Quantity Cost(S) Price(S) Basis(S) Interest(S) Market Value(S) Gainf(Loss)(S) G/(L)(%) 0782756N9 MA 45.000 110.026 112.09 49.512 437 50.440 928 1.88 BELLAIRE TEX GO REF BDS 2018 LT NOV18 05.000%FE815 2023 161681SJ1 N/A 20.000 108.658 109.58 21.732 21.915 184 0.84 CHASKA MINN INDPT SCH DIST NO 112 GO A SCH GTD MAY12 05.000%FEB01 2022 180848XO1 AA+ 45.000 113.372 116.95 51.018 444 52.626 1.609 3.15 CLARK CNTY NEV GO TRANS IMPT BDS LT SER B NOV18 05.000%DECO1 2024 208399N35 AA+ 35.000 114.524 118.60 40.083 369 41.511 1.428 3.56 CONROE TEX CTFS OBLIG SER A NOV18 05.000%MAROI 2026 263713E88 MA 50.000 105.316 105.82 52.658 299 52.910 252 0.48 DUBLIN OHIO GO VARIOUS PURP BDS LT SER A DEC18 05.000%DECO1 2020 34153QLG9 MA 20.000 116.402 118.38 23.280 167 23.677 396 1.70 FLORIDA ST BRD ED PUB ED CAP OUTLAY REF BDS LT C DECI7 05.0009/JUN01 2025 367298YK6 AA 20.000 111.474 113.79 22.295 211 22.757 462 2.07 GASTON CNTY NC GO SCH BDS 2018 NOV18 05.000%AUGOI 2023 489645RW3 AA 25,000 103.546 104.48 25.886 172 26.121 234 0.90 KENNETT PA CONS SCH DIST GO BDS LT SER AA SCH GTD NOV18 04.000%FEBI5 2021 Accounts Included In this report: Please refer to the Account List for accounts mcluded in the report. Report created February 4.2019 to Kathryn Ruemmler Page 10 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810624 Unrealized Gain/(Loss) by Account/Product Merrill Lynch Bank of America Corporation As of Close of Business: 02101:2019 Municipal Bonds - GO Uninsured Unit Cost Accrued Unrealized Security Description Rating Quantity Cost(S) PrIce(S) Basls(S) Interest(S) Market Value(S) Gain/pawn GSM 489645RV5 AA 25.000 101.939 102.33 25.485 172 25.583 99 0.39 KENNETT PA CONS SCH DIST GO BDS LT SER AA SCH GTD NOV18 04.000%FEB15 2020 495033EZ1 AA+ 30.000 115.756 121.06 34.727 296 36.317 1,590 4.58 KING CNTV WASH SCH DIST NO 401 HIGHLINE SCH GTD NOV18 05.000%DECO1 2026 807025CX7 SP1+ 50.000 101.225 101.15 50.613 379 50.577 (36) (0.07) SCHOHARIE CNN NY BANS 2018 LT NOV18 03.250%NOV07 2019 93974CC40 AA+ 30.000 101.269 101.38 30.381 125 30.415 34 0.11 WASHINGTON ST GO REF BDS R SER A NOV11 05.00094JUL01 2019 940270DL2 AA+ 50.000 102.142 103.72 51.071 296 51.859 788 1.54 WASHINGTON TWP IND MET SCH DIST UNLTD SCH GTD NOV18 03.0009.4JUL15 2022 Total Municipal Bonds - GO Uninsured 3,367 486,709 7,969 1.66 Municipal Bonds - Revenue Unit Cost Accrued Unrealized Security Description Rating Quantity Cost(S) Price(S) Basis(E) Interest(S) Market Value(S) Gaini(Loss)($) G/(L)(%) 34160PDY2 AA+ 20.000 113.022 116.60 22.604 133 23.320 715 3.16 FLORIDA ST DEPT MGMT SVCS CTFS PARTN COPS A DEC1805.000%NOV01 2024 79625GAD5 M 50.000 105.565 106.45 52.783 53.224 441 0.84 SAN ANTONIO TEX ELEC & GAS REV REF BDS 2018 NOV18 05.000%FEB01 2021 92818ML32 MA 45.000 115.436 120.01 51.946 481 54.004 2.058 3.96 VIRGINIA ST RES AUTH INFRASTRUCTURE REV BDS C NOV18 05.000%NOVOI 2025 Total Municipal Bonds - Revenue 615 130,547 3,214 2.52 Accrued Unrealized Interest(5) Market Value(S) Gaini(Loss)(S) Total XXX-XX739 3,982 632,340 11,183 Total Value (Includes Accrued Interest) 636,322 Accounts included in this report: Please refer to the Account List for accounts ricluded in this report. Report created February 4.2019 lot Kathryn Kuenunhar Page II For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810625 Unrealized Gain/(Loss) by Account/Product Merrill Lynch Bank of America Corporation As of Close of Business: 02101:2019 Accrued Unrealized Interest(S) Market Value(S) Gain/(Loss)($) Short Term Gain 11,218 Short Term Loss (36) Total Short Term Gain/(Loss) 11,183 Long Term Gain 0 Long Term Loss 0 Total Long Term Gain/(Loss) 0 XXX-XX433 •Investment WA' Cash Balance (Settled and Unsettled) 0.97 Money Accounts Unit Cost Unrealized Security Description Quantity Cost(S) Price(S) Basis(S) Market Value(S) Gain/(Loss)($) W(L)(%) 990286916 70.103 1.00 70.103 ML BANK DEPOSIT PROGRAM Total Money Accounts 70,103 Stocks & Related Unit Cost Unrealized Security Description Rating Quantity Cost(S) Price(S) Basis(S) Market Value(S) Gain/(Loss)(S) G/(L)(%) FV 1.965 22.897 28.63 44.993 56.258 11.265 25.04 FIRST TR DORSEY WRT FOCUS 5 ETF SH ERA 614 58.565 62.66 35.959 38.473 2.514 6.99 [SHARES MSCI EAFE EEM 625 42.640 42.76 26.650 26.725 75 0.28 (SHARES MSCI EMERGING MKTS IJT 553 147.934 175.54 81.808 97.074 15.266 18.66 [SHARES S&P SMALLCAP 600 GROWTH IJS 654 153.706 148.20 100.523 96.923 (3.601) (3.58) 'SHARES S&P SMALLCAP 600 VALUE IVW 2.483 110.587 161.79 274.588 401.725 127.137 46.30 'SHARES S&P 500 GROWTH IVE 2.489 92.264 109.95 229.644 273.666 44.021 19.17 'SHARES S&P 500 VALUE TIP N/A 355 111.719 110.68 39.660 39.291 (369) (0.93) 'SHARES TIPS BOND ETF Accounts included in this report: Please refer to the Account List for accounts included in this report. Report created February 4.2019 lot Kathryn Ruemmler Page 12 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810626 Unrealized Gain/(Loss) by Account/Product Merrill Lynch Bank of America Corporation As of Close of Business: 02/01;2019 Stocks & Related Unit Cost Unrealized Security Description Rating Quantity Cost(S) Price(S) Basis(S) Market Value(S) Gain/(Loss)(S) OWN VUG 545 129.800 146.56 70.741 79.875 9.134 12.91 VANGUARD GROWTH ETF VTV 3.847 103.567 105.03 398.423 404.050 5.627 1.41 VANGUARD VALUE ETF Total Stocks & Related 1,514,060 211,071 16.20 Mutual Funds Unit Cost Market Unrealized Total Client Cumulative Security Description Rating Quantity Cost(S) Price(S) Basis(S) Value(S) Gainl(Loss)(S) Investment(S) Investment Retum(S) G/(L)(%) MAMTX 18.629.3510 11.438 11.39 213.074 212.188 (885) 199.993 12.195 6.10 BLACKROCK STRATEGIC MUNI OPPORTUNITIES FUND INSTL SDGIX 6.024.4290 21.196 20.72 127.695 124.826 (2.869) 119.978 4.848 4.04 DREYFUSSTANDISH GLOBAL FIXED INCOME FD CL I SGIIX 420.7500 50.510 54.93 21.252 23.112 1.860 15.131 7.981 52.74 FIRST EAGLE GLOBAL CLASS I LFRFX 23.582.0870 9.135 8.82 215.433 207.994 (7.439) 207.323 671 0.32 LORD ABBETT FLOATING RATE FUND CL F MFEIX 623.0220 55.416 102.21 34.525 63.679 29.154 26.539 37.140 139.95 MFS GROWTH FUND CL I MINIX 7.631.0450 37.135 41.54 283.375 316.994 33.618 251.331 65.662 26.13 MFS INTERNATIONAL VALUE FUND CL I MEIIX 3.993.3620 36.391 38.42 145.323 153.425 8.102 129.633 23.792 18.35 MFS VALUE FD CL I Total Mutual Funds 1,102,218 61,540 949,928 152,290 16.03 Accrued Unrealized Interest(S) Market Value(S) Gain/(Loss)(S) Total XXX-XX433 -- 2,686,382 272,611 Total Value (Includes Accrued Interest) 2,686,382 272,611 Short Term Gain 958 Short Term Loss (31,461) Total Short Term Gain/(Loss) (30,503) Long Term Gain 307,519 Long Term Loss (4,405) Total Long Term Gain/(Loss) 303,115 Accounts included in this report: Please refer to the Account List for accounts ricluded in this report. Report Created February 4.2019 Ice Kathryn Ruernmler Page 13 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810627 Unrealized Gain/(Loss) by Account/Product Merrill Lynch Bank of America Corporation As of Close of Business: 02/01/2019 XXX-XX435 "IRK Cash Balance (Settled and Unsettled) 0 Money Accounts Unit Cost Unrealized Security Description Quantity Cost(6) Price(S) Basis(a) Market Value(S) GalnALose)(1) GWOM IIAXX 20.642.3400 1.000 1.00 20,642 20.642 BANK OF AMERICA. NA RASP Total Money Accounts 20,642 0 0 Stocks & Related Unit Cost Unrealized Security Description Rating Quantity Cost($) Price(S) Basis(S) Market Value(S) Gain/(Loss)16) EEM 562 42.707 42.76 24,001 24.031 30 0.12 !SHARES MSCI EMERGING MKTS IJT 165 104.344 175.54 17.217 28.964 11.747 68.23 ISHARES S&P SMALLCAP 600 GROWTH IJS 148 123.742 148.20 18,314 21.934 3.620 19.76 'SHARES S&P SMALLCAP 600 VALUE IVW 1.354 113.762 161.79 154,033 219.064 65.030 42.22 SHARES S&P 500 GROWTH VUG 300 129.800 146.56 38,940 43.968 5.028 12.91 VANGUARD GROWTH ETF VTV 938 96.970 105.03 90,958 98.518 7.560 8.31 VANGUARD VALUE ETF Total Stocks & Related 436,479 93,015 27.08 Mutual Funds Unit Cost Market Unrealized Total Client Cumulative Security Description Rating Quantity Cost(S) Price(S) Basis(S) Value(S) Gairsl(Loss)($) Investment($) Investment Retum(S) G/(L)(%) FDSWX 2,934.8440 16.766 16.65 49.206 48.865 (341) 31,494 17.371 55.16 AIG FOCUSED DIVIDEND STRATEGY FD W DBLTX 8.152.4380 11.316 10.42 92.256 84.948 (7.307) 71.327 13.621 19.10 DOUBLELINE TOTAL RETURN BOND FUND CL I SDGIX 3,510.0620 21.660 20.72 76.028 72.728 (3.300) 70,902 1.826 2.58 DREYFUS.STANDISH GLOBAL FIXED INCOME FD CL I SGIIX 455.5240 50.510 54.93 23.008 25.022 2.014 16.421 8.601 52.38 FIRST EAGLE GLOBAL CLASS I Accounts Included In this report: Please refer to the Account List for accounts ncluded in this report. Report created February 4.2019 Ice Kathryn Ruemmler Page 14 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810628 Unrealized Gain/(Loss) by Account/Product Merrill Lynch Bank of America Corporation As of Close of Business: 02701/2019 Mutual Funds Unit Cost Market Unrealized Total Client Cumulative Security Description Bating Quantity Cost(S) Price(S) Basis(S) Value(S) Gain(LossXM Investment(S) Investment Retum(S) G/(L)(%) LFRFX 15.121.6630 9.346 8.82 141.323 133.373 (7.950) 115.491 17.882 15.48 LORD ABBETT FLOATING RATE FUND CL F MINIX 1.012.1120 37.062 41.54 37.511 42.043 4.532 32.459 9.584 29.53 MFS INTERNATIONAL VALUE FUND CL I Total Mutual Funds 406,980 (12,353) 338,094 68,886 20.38 Accrued Unrealized Interest(S) Market Value(S) GainnLoss)(S) Total XXX-XX435 864,101 80,662 Total Value (includes Accrued Interest) 864,101 80,662 Short Term Gain 228 Short Term Loss (1,654) Total Short Term Gain/(Loss) (1,426) Long Term Gain 99,900 Long Term Loss (17,811) Total Long Term Gain/(Loss) 82,089 XXX-XX436"CMA Checking" Cash Balance (Settled and Unsettled) 0.02 Money Accounts Unit Cost Unrealized Security Description Quantity Cost(S) Price(S) Basis(S) Market Value(S) GainALoss)(5) 990286916 227,591 1.00 227.591 ML BANK DEPOSIT PROGRAM Total Money Accounts 227,591 Accrued Unrealized Interest(S) Market Value(S) GainALoss)(5) Total XXX-XX436 227,591 Total Value (includes Accrued Interest) 227,591 Short Term Gain 0 Short Term Loss 0 Total Short Term Gain/(Loss) 0 Long Term Gain 0 Long Term Loss 0 Total Long Term Gain/(Loss) 0 Accounts included in this report: Please refer to the Account Lest for accounts ncluded in this report. Repot! created February 4.2019 toe Kathryn Ruernmter Page IS For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810629 Unrealized Gain/(Loss) by Account/Product Merrill Lynch Bank of America Corporation As of Close of Business: 02701/2019 Unrealized Market Value(S) Gain/(Loee)($) Total Holdings 4,409,384 364,456 Total Cash Balance (Settled and Unsettled) 1,030 Total Accruals 3,982 Total Portfolio Value 4,414,396 364,456 Short Term Gain 12,404 Short Term Loss (33,151) Total Short Term Gain/(Loss) (20,747) Long Term Gain 407,419 Long Term Loss (22,216) Total Long Term Gain/(Loss) 385,203 Information will not appear if a cost basis is not known. a security price is not currently available. or the Gain/(Loss) calculations are not appropriate for the type of holding. Money accounts are not adjusted for pending trades. The G2% is provided to help you monitor the performance of your specific holdings: because the figure is effected by your particular holding period and transaction history. it should not be used to compare mutual fund performance.Please refer to the funds Profile for standardized performance information on each mutual fund in your account.Past performance is no guarantee of future returns. The cost basis for Municipal Bonds that are pending settlement includes accrued interest. Accrued Interest is not included in the unrealized gaireloss calculations. Therefore. the market value does not include accrued interest. Accounts included in this report: Please refer to the Account List for accounts ncluded in this report. Report Created February 4.2019 for Kathryn Ruernmler Page 16 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810630 Tax Summary Overview Merrill Lynch Bank of America Corporation As of Close of Business: 0Z01,2019 Interest and Dividends (S) thru Jan 2019 YTD Realized Gainr(Loss)(S) Unrealized Gaini(Loss)(S) Long Term Tax-Exempt Taxable Tax-Exempt Taxable Capital Gain Short Long Short Term Short Term Long Term Long Term Account Interest Interest Dividends Dividends' Distributions' Term Term Total Gain (Loss) Gain (Loss) Total Taxable XXX-XX739' 750 6 0 0 0 0 0 0 11.218 (36) 0 0 11.183 'KATHY SMA muNr XXX-XX433* 0 41 0 (18) 0 0 0 0 958 (31.461) 307.519 (4.405) 272.611 'Investment CMA' XXX-XX436* 0 118 0 0 0 0 0 0 0 0 0 0 0 *CMA Checking* Subtotal 750 165 0 (18) 0 0 0 0 12,176 (31.497) 307.519 (4,405) 283.794 Tax Deferred XXX•XX435 11 0 0 0 1)1tA 0 0 0 228 (1.654) 99.900 (17.811) 80.662 'IRA- Subtotal 11 0 0 0 NtA 0 0 0 228 (1.654) 99.900 (17.811) 80.662 Total 761 165 0 (18) 0 0 0 0 12,404 (33.151) 407,419 (22,216) 364,456 'The Unrealized Gabf(Loss) totals for this account may not include certain securities held in the account. such as corporate action items or other securities that have insufficient cost data available to accurately calculate the unrealized gainioss figures on the transactions. Dividends may include long term capital gain iffistrioutions. 2 Long Term Capital Gain Distributions are through prior month end and are a subset of Total Taxable Dividends. The 'Interest and Dividend' values reflect the previous month-end statement totals of interest and dividend income. The interest total may include reportable interest. tax-exempt interest. and bank deposit interest. The dividend total may include reportable dividends. money fund dividends. tax-exempt fund dividends and non reportable dividend income. The report is for informational purposes only and we suggest that you review this information with your tax advisor. Please refer to your account statement for the official record of income payments credited to your account. The Realized Gain/(Loss) totals for this account do not include sales transactions where cost information is unavailable or data is insufficient to accurately calculate the realized gairwloss figures. The Realized and Unrealized Gailf(Loss) totals reflected in the Tax Overview are for reformational purposes only. and we suggest that you review this information with your tax advisor. Please note that pending sale transactions (trades that have not settled) are not reflected in the Realized or Unrealized Gain/(Loss) sections of the Tax Summary Overview. Any inbrmation presented about tax considerations affecting your financial transactions or arrangements is not intended as tax advice and cannot be relied upon for the purpose of avoiding any tax penalties. Neither Merrill Lynch nor its Friancial Advisors provide tax. accounting or legal advice. You should review any planned financial transactions or arrangement that may have tax. accounting or legal implications with your personal professional advisors. Accounts included in this report: Please refer to the Account List for accounts ncluded in this report. Report created February 4.2019 for Kathryn Ruemmler Page 17 For Informational Purposes Only - Account Statement is Official Record of Holdings, Balances and Security Values EFTA00810631 Realized Gain/(Loss) by Account/Security Merrill Lynch Bank of America Corporation As of Close of Business: 02/01/2019 There is no tax lot data for the account(s) selected. Accounts included in this report: Please refer to the Account List for accounts ncluded in this report. Report Created February 4.2019 for Kathryn Ruemmler Page 18 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810632 Asset-class winners and losers Merrill Lynch Bank of America Corporation No asset class always outperforms. Asset allocation helps manage risk and can increase a portfolio's performance potential. 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Highest Small LT Small LT Small Intl. Intl. Intl LI Intel. Small LT Small Small LT Large Small return stock gov't stock gov't stock Stock Stock Stock Stock govt Stock stock gov't stock stock gov't stock stock Stark 29.8% 21.5% 222% 17.8% 60.7% 20.7% 14.0% 26.9% 11.6% 25.9% 325% 313% 27.1% 18.2% 45.1% 24.7% 1.4% 25 6 0 25.6% Intl. Intl. Treas. Treas. Treas. Intel. Small LT Small LT Treas. Small Large Large Large Treas Large Large Stock Stock Bills Bills Bills stock stock gov't stock govt Bills Stock stock Stock stock stock Bills stock stock 20.3% 27.3% 5.9% 3.8% 1.6% 39.2% 184% 7.8% 16.2% 9.9% 1.6% 28 1 15.1% 17.9% 32.4% 13.7% 0.0% 12.0% 21.8% • LT Large Div. Div. Div. Div. Large Large Div. Div. Large Large Intl Div. Div. govt Stock Port. Port. Port. Port. stock stock Port. Port./ stock stock Stock Sto Port. Port. 13.1% 21.0% 0.1% -6.3% 11.9% 7.1% 15.8% 5.5% -179% 13.00% 2.1% 16.0% 23.3% -0.4! 8.2% 13.1% A — — • e e • — — - - Div. -V Div. Div. Small Small Div. Large Small Div. Small Div. LT Treas Div. - Small Div. Li Port. Port. Stock stock Port. stock stock Port. Port. tock Port. gov't Bills Port. Port stock Port. gov't 11.9% 14.8% 3.6% 13.3% 26.2% 10.9% 5.7',6 13.0% 5.3% 36 14.4% 10.1% 0.0;6 11.1% 17.(: 2.9% -0.6% 1.8% Treas. Treas Large Large LT LT Large Treas Treas. Large Treas. Small Treat Treat LT Intl. Bills Bills stock stock Stock gov't govt stock Bills Bilk stock Bills Stock stock Bills Bills gov't Stock 4.9% 4.7% -9.1% 119% -ars 1.4% 8.5% 4.9% 4.8% 4.7% 37.0% 0.1% 8.2% -3.3% 0.0% 0.0% .0.7% Small LT Intl. Intl. Large Treas. Treas Treas LT Small LT Treas. Treas LT Small Treas Hid Lowest stock gov't Stock Stock stock B18 Bills Bills gm/i t tock Stock gov't Bills Stock 0.1Bills govet Stock stock Bills Bills return 7.3% .9.0% -212% 221% 1.0% 1.2% 3.0% 1.2% 5.2% 14.9% 0.1% -11.7% 122% -4.5% 3.6% 0.2% 0.8' About the data Past performance is no guaramee of future results. This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index. The diversified portfolio is equally weighted between small stocks, large stocks, long-term government bonds, Treasury bills, and international stocks (20% each). Small stocks are represented by the Ibbotson* Small Company Stock Index. Large stocks are represented by the Ibbotsore Large Company Stock Index, government bonds by the 20-year U.S. government bond, Treasury bills by the 30-day U.S. Treasury bill, and international stocks by the Morgan Stanley Capital International Europe, Australasia, and Far East (EAFE') Index. An investment cannot be made directly in an index. The data assumes reinvestment of all income and does not account for taxes or transaction costs. The diversified portfolio is equally weighted between small stocks, large stocks, long-term government bonds, Treasury bills, and international stocks (20% each). CI 2018 Morningstar. All Rights Reserved. Page 19 EFTA00810633 Ibbotson° SBBI®: Stocks, bonds, bills, and inflation 1926 — 2017 t,15 Merrill Lynch MS Bank of America Corporation Equities have the potential to increase wealth more than other asset classes. $100k $36,929 Compound annual return Small stocks 12.1% $7,353 10k Large stocks 10.2 Government bonds 5.5 Treasury bills 3.4 Inflation 2.9 1k $143 100 $21 $11 10 1 0 1926 1936 1946 1956 1966 1976 1986 1996 2006 2016 About the data Past performance is no guarantee of future results. Hypothetical value of $1invested at the beginning of 1926. Assumes reinvestment of income and no transaction costs or taxes. This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index. Small stocks in this example are represented by the Ibbotson' Small Company Stock Index. Large stocks are represented by the Ibbotson' Large Company Stock Index. Govemment bonds are represented by the 20-year U.S. government bond, Treasury bills by the 30-day U.S. Treasury bill, and inflation by the Consumer Price Index. Underlying data is from the Stocks, Bonds, Bills, andInflation' (5881') Yearbook, by Roger G. Ibbotson and Rex Sinquefield, updated annually. An investment cannot be made directly in an index. 2018 Morningstar. All Rights Reserved. Page 20 EFTA00810634 Important Information About Reference Indices Merrill Lynch Bank of America Corporation Market indices are included in this report to provide a reference point when reviewing the performance of your account(s). Indices provide a general source of information on how various market segments and types of investments have performed in the past. The index illustrated may be a single index. a combination of indices. or may include the performance of a Merrill Lynch allocation model. The characteristics of the indices provided may differ from your actual account(s). You should discuss with your Financial Advisor the reference indices selected and how they compare with your account(s). XXX-XX435: Account Performance Range: 031062008 - CURRENT Advisor Defined Style Index Asset Allocation Blend Index: Equity: S&P 500 TR Fixed Income: ICE BotAML US Broad Market Bond Cash: ICE BotAML 3-Month US Treasury Bill Al: Al Comp (Sep 2017.Curr) r HFRIFOF (Prior Sep 2017)' XXX-XX433: Account Performance Range: 05)07/2008 - CURRENT Advisor Defined Style Index Asset Allocation Blend Index: Equity: SSP 500 TR Fixed Income: ICE BotAML US Broad Market Bond Cash: ICE BOIAML 3-Month US Treasury Bill Al: Al Comp (Sep 2017-Curt)! HFRIFOF (Prior Sep 2017) • XXX-XX739: Account Performance Range: 1011202018 - CURRENT Style Index: 10+15,2018 CURRENT (100.00% ICE BotAML Municipals 1-10 Yrs) Additional Comparatives: The following indices are further reference points to various broad market indices. Based on the exhibits selected. these indices may or may not be included in this report. MSCI Emerging Markets TR Net ICE BotAML Municipals 1-10 Yrs Russell 1000 Value TR Lipper Flex Port FdIndex • Lipper Core Bond Fund Index ' Russell 1000 Growth TR Russell 2000 Value TR ICE BotAML US Corporate & Government Master ICE BotAML US Corporate & Government f-3 Yrs MSCI EAFE TR Net Russell 2000 Growth TR ICE BoIAML Municipal Master Blended Indlces:The following blended Indices are referenced In exhibits as comparatives or included In a style Index or advisor defined style Index of an account CAG. Al Comp (Sep 2017-Cur)/ HFRIFOF (Prior Sep 2017): SINCE INCEPTION - 08/31)2017 (100.00% HFRI Fund of Funds Composite) 09;01r2017 12/31/2018 (25.00% S&P GSCI TR. 25.00% FTSE NAREIT Composite TR. 25.00% Russell Microcap TR. 25.00% HFRI Fund Weighted Composite) A Style Index is designed to provide a relevant market comparison to the performance of an account and where applicable, an investment manager or Financial Advisor's investment strategy. It can either be a single index benchmark or a combination of indexes. A Style Index is determined by Merrill Lynch based on several factors such as the Manager's investment philosophy and style if applicable. the asset mix over time. the range and average market capitalization of stock holdings over time. and maturities and duration of fixed income holdings. An Advisor Defined Style Index is the reference index selected by your Advisor as the primary comparative index for your account(s). If risk statistics such as alpha or the information ratio have been included in the analysis. this index will be used in calculating those statistics. The following are type(s) of index blends your Financial Advisor selected: Accounts included in this report: Please refer to the Account Lest for accounts included in this report. Report Mated February 4.2019 Ice Kathryn Ruemmter Page 21 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810635 Important Inthrmation About Reference Indices Merrill Lynch Bank of America Corporation Asset Allocation Blend Index - weighs the performance of the Indices selected for each asset class according to the historical asset allocation of the portfolio. If daily performance is available for each component index leveraged in the monthly calculation, your Asset Allocation Blend is calculated based on the actual performance start date. If performance data is not available daily for one or more component indices, your Asset Allocation Blend will leverage full month performance returns for those indices and months. A Custom Index when presented, is calculated using the same market indices included in the Style Index, but leverages the actual asset allocation of your account(s). The difference between the Style and Custom Indices provides an indication of positive/negative asset allocation impact. Please note, the Custom Index can leverage indices not included in your Style Index and, therefore, may not have the same data availability. Allocation Score: This score is designed as a measure of the incremental rate of return added by the investment manager's asset allocation decisions. Mathematically. it is derived by subtracting the Style Index Return from the Custom Index Return, thus Isolating' out the effect of the manager's active asset allocation decisions in the Custom Index, as compared with the static or passive allocation guidelines in the Style Index. Selection Score: This is designed as a measure of the value added by the investment manager or Financial Advisors active security selection. Mathematically, it is derived by subtracting the Custom Index return from the actual portfolio's return, thus Isolating' out the effect of the manager or Financial Advisor's active security selection decisions versus the passive alternative of the market indices used in the Custom Index. Active Management Score: This score indicates the incremental rate of return added by the investment manager or Financial Advisor through security selection and asset allocation. The score is derived by comparing the actual, actively managed portfolio's returns to those of a passive' portfolio, the Style Index. Mathematically. the Active Management Score is computed as the difference between the actual portfolio return and the Style Index return. It is also equal to the sum of the Selection and the Allocation Scores, since it "cumulates- the manager's or the Financial Advisor's contribution in both areas. Reference Indices may be included as a general source of information regarding the performance of certain types of investments (e.g., US equities, international equities, fixed income. cash, etc.). Direct investment into an index cannot be made. Additional information regarding the indices shown is available from your Financial Advisor. The Russell Indexes are marks of Frank Russell Company. Performance data for indices is generally available on a 'Close of Business" or monthly basis for the performance date range. - The noted indices do not have performance information available as of 'Close of Business' or for partial month portfolio returns. In these cases. the indices reflect lull month performance returns. It is important to understand this if you are using any indices for performance comparisons relative to your account(s) and the overall market. Accounts included in this report: Please refer to the Account Lest for accounts included in this report. Recoil created February d, 2019 for Kathryn Anemone( Page 22 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810636 Important Inthrmation About Research Ratings Merrill Lynch Bank of America Corporation BofA Merrill Lynch Research (BofAML Research) is equity research produced by Merrill Lynch, Pierce. Fenner & Smith Incorporated (MLPF&S) and/or one or more of its non•U.S affiliates. MLPF&S is a wholly owned subsidiary of Bank of America Corporation. Fundamental Equity Opinion Key: Opinions include a Volatility Risk Rating, an Investment Rating and an Income Rating. BofAML Research VOLATILITY RISK RATINGS, indicators of potential price fluctuation, are: A • Low. B • Medium. and C • High. BofAML Research INVESTMENT RATINGS, reflect the analysts assessment of a stock's: (i) absolute total return potential and (ii) attractiveness for investment relative to other stocks within its coverage cluster (defined below). There are three investment ratings: 1 Buy (stocks are expected to have a total return of at least 10% and are the most attractive stocks in the coverage cluster), 2 - Neutral (stocks are expected to remain flat or increase in value and are less attractive than Buy rated stocks). 3 - Underperform (stocks are the least attractive stocks in a coverage cluster), and Analysts assign investment ratings considering. among other things, the 0.12 month total return expectation for a stock and the firm's guidelines for ratings dispersions (shown in the table below). The current price objective for a stock should be referenced to better understand the total return expectation at any given time. The price objective reflects the analyst's view of the potential price appreciation (depreciation). BofAML Research Investment Total return expectation (within 12-month penod of date of initial Ratings dispersion guidelines for coverage rating rating) cluster* Buy greater than or equal to 10% less than or equal to 70% Neutral greater than or equal to 0% less than or equal to 30% Underperform N/A greater than or equal to 20% 'Ratings dispersions may vary from time to time where BofAML Research believes it better reflects the investment prospects of stocks in a Coverage Cluster. Coverage Cluster is comprised of stocks covered by a single analyst or two or more analysts sharing a common industry, sector, region or other classification(s). A stoclCs coverage cluster is included in the most recent Merrill Lynch Comment referencing the stock SWAMI Research INCOME RATINGS, indicators of potential cash dividends. are: 7 - same/higher (dividend considered to be secure), 8 - same/lower (dividend not considered to be secure), and 9 - pays no cash dividend. Closed-end Fund Investment Opinion Key: Opinions include an identifier and an investment rating. The identifier, "F." denotes a closed-end fund and the number is a fund's investment rating, which is based on our 12 month expectation of stability of the Fund's distributions (including net investment income, short and long term capital gains and return of capital) and stock price from the date of the initial rating. SWAMI Research INVESTMENT RATINGS 1 - Buy (indicating that distributions are expected to be the same or increase and that the stock price is expected to be stable or increase). 2 - Neutral (indicating that distributions are expected to remain the same or decrease and that the stock price is expected to be stable). and 3 - Underperform (indicating that distributions are expected to decrease and that the stock price is expected to decline) Important Information: Independent. third•party research on certain companies covered by the firm's research is available to clients at no cost. Clients can access this research at vevay.mlol.ml.00m or can call 1- 803-MERRILL to request that a copy of this research be sent to them. For explanation of independent. third-party research ratings key, ask a Financial Advisor at (888) ML-INVEST (654-6837) or go to www.ml.comrindependentresearch. Please note that the independent. third-party research rating shown above is not necessarily equivalent to, or derived using the same methodology as. BofAML Research ratings or the ratings of other independent, third-party research providers. Accounts included in this report: Please refer to the Account List for accounts iduded in this report. Report Created February 4.201g to Kathryn Ruemmter Page 23 For Informational Purposes Only - Account Statement is Official Record of Holdings, Balances and Security Values EFTA00810637 Important Information About This Report Merrill Lynch Bank of America Corporation Banking. Credit and Loan Information is listed on the Balances and Account List reports and is for changes. Annuity Contract Values may not reflect immediately available funds due to contract information purposes only. All other reports reflect brokerage assets: banking. credit and loan assets are changes. All market values include accrued interest. unless otherwise indicated. not included in any other reports. Performance The Loan Management Account® (LMA® account) is a demand line of credit provided by Bank of Account values. cash flows and returns may differ from other sources due to differing methods of pricing, America. N.A., Member FDIC. Equal Opportunity Lender. The LMA account requires a brokerage accounting or calculation. This Report is prepared on a trade date basis using accrued income when account at Merrill Lynch. Pierce. Fenner 8 Smith Incorporated and sufficient eligiale collateral to support sufficient data is available and thus will differ from a report prepared on a settlement date basis (e.g.. the loan. All securities are subject to credit approval. Securities•based financing involves special risks your Merrill Lynch account statement). From time to time, asset valuation or transaction data may be and is not for everyone. When considering a securities•based loan, consideration should be given to adjusted, which in turn may impact the portfolio performance calculations and other information shown in individual requirements, portfolio composition and risk tolerance, as well as capital gains, portfolio the report. In addition, if your account(s) holds 'when issued securities.' which are not valued by Merrill performance expectations and investment time horizon. A complete description of the loan terms can be Lynch until the settlement date, your asset allocation may not be accurately reflected. found within the LMA agreement. For detailed information, please refer to your loan account statements. Rate of returns presented "Net of Fees" reflect the deduction of the Investment Advisory program fee, Loan Management Account and LMA are registered trademarks of Bank of America Corporation. where applicable. The deduction of the Investment Advisory fee. where applicable, is also reflected in This analysis is a brokerage report that provides you with a detailed review of your investment strategy. the Appreciate)Depreciation section. Other than the applicable program fee, net returns do not reflect including current financial positions, asset allocation and investment performance. In conjunction with a the deduction of lees that may be charged directly to an underlying account, including, but not limited to Financial Advisor's assistance, this report can help you make informed investment decisions in order to brokerage•related commissions, transfer taxes. margin interest, certain redemption fees. exchange or support your financial objectives. Merrill Lynch offers brokerage, investment advisory and other similar fees (such as American Depositary Receipts) charged by third parties. including issuers, services. For more information about any of these services and their differences. Including the type of electronic fund, wire or other account transfer fees, annual investor fees and repurchase fees relating to advice and assistance offered, see your Financial Advisor. Please note that security classifications and exchange-traded notes and other charges imposed by law. Rate of returns presented 'Gross of Fees" definitions of objectives described below can be changed from time to time at the discretion of Merrill are shown before the deduction of advisory fees where applicable in order to make them comparable to Lynch. the returns of the market indices. Rate of returns are presented "Net of Fees" unless noted as 'Gross of Fees." Please refer to the applicable ADV Brochure and Client Agreement for a full description of This Report provides important information about your account(s), market indices. goals and risk level. The return information for the account(s), market indices and return comparison charts reflect investment advisory fees for accounts enrolled in an investment advisory program. Market indices or time•weighted rates of return unless the returns are labeled "money weighted rates of return". Time- other benchmark returns are shown for comparison purposes only, and there is no assurance or guarantee that such performance will be achieved. Market indices are unmanaged. It is not possible to weighted rates of return should be used to Judge the performance of the selected investment manager(s) invest in an index. Depending on how account fees are paid (see below), the account returns may be and the money weighted rate of return should be used to assess overall growth and accumulation of shown after the deduction of fees for certain periods. When the fee is deducted directly from this wealth. Both return calculations reflect transaction costs. market appreciation or depredation and the account(s), information will be shown both before and after the deduction of fees. When the fee is reinvestment of capital gains, dividends, interest and other income. The treatment of fees is discussed below. deducted directly from another account(s), information will be shown before the deduction of fees. • For periods prior to September 1998, information will be shown before the deduction of fees. For accounts enrolled in managed account programs such as the Investment Advisory Program (utilizing • For periods after September 1998, information will be shown both before and after the deduction of Managed or Custom Managed strategies), Consults, BlackRock Private Investors ("BR PI"). Mutual Fund fees. Advisor ('MFA"), client agreements. disclosure statements, and profiles (if applicable) can provide It is very important that you provide Merrill Lynch with current information regarding the management of additional information about these programs, including applicable lees, restrictions and other terms. your account(s). We encourage you to contact your Advisor if there have been any changes in your Merrill Lynch is both a broker-dealer and an investment adviser, and it offers both brokerage and financial situation or investment objectives, or if you wish to impose any reasonable restrictions on the investment advisory services. There are important differences between these services. including the management of your account(s) or reasonably modify existing restrictions. If you are enrolled in a dual- type of advice and assistance provided. the fees charged, and the rights and obligations of the parties. contract investment advisory program where you separately contract with a thirdparty investment Brokerage services are also regulated under different laws and rules than advisory services. It is manager. it is also important to notify your investment manager with respect to any changes in your important for you to understand these differences, particularly when determining which service or financial situation. investment objectives andrer restrictions. If you would like to receive a free copy of the investments you might select. current Form ADV Brochure(s) for the investment advisory program(s) in which your account(s) is Priclna of Securities enrolled. Please send a written request with your account number(s) to: Managed Accounts Processing Pricing of securities is provided for your information. Your Account Statement is your official record of and Services. 4800 Deer Lake Drive West. Building 1, 3rd Fl.. Jacksonville, FL 32246. You may also holdings, balances, and security values for your accounts at Merrill Lynch and sold to you by your obtain a copy of the various Merrill Lynch advisory program brochures by accessing the Securities and Advisor. Unless you or a third party have provided the values for any External Assets, values reflect Exchange Commission ('SEC') website at www.adviserinfo.sec.00v. information as of the "Close of Business" date reflected at the top of each exhibit. Values for External The valuation of hedge funds is prepared based upon information from third party sources. The Assets (if you have chosen to include them) will reflect information as of the 'Close of Business' date information has not been verified and cannot be guaranteed. This data may include estimates and is indicated, provided pricing information for the particular security is available to Merrill Lynch. Otherwise, subject to revision. pricing information for External Assets are based on values you or a third party have provided to Merrill If an account has been managed by more than one manager. the manager name in the Report reflects Lynch. Please contact your Advisor if you have questions relating to pricing information. Please see the the current manager. However, return and standard deviation information may be calculated using the 'External Assets" section at the end of this Report for important information relating to External Assets entire history of each account. This Report may also include information for account(s) that are not generally, including reviewing the External Assets with your Advisor on a regular basis. managed by an investment manager (i.e., where you make the investment decisions). Annuities and life insurance products are not held in your account. Their values are listed in the report for your convenience. Life Insurance Cash Values and Annuity Contract Values are used to calculate Classification of Securities Total Portfolio Value. These values are as of "close of one business" day prior to the 'as or date For Asset Class. Sector or Size and Style Analysis reports. securities are generally classified by asset shown. Cash values may not reflect immediately available funds due to loan balances andor policy class. sector, size and style and. for Fixed Income, maturity. Accounts included in this report: Please refer to the Account List for accounts ilcluded in this report. Report created February 4.2019 for Kathryn Ruemmter Page 24 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810638 Important Information About This Report Merrill Lynch Bank of America Corporation - For Size and Style, security classification is as follows: a capitalization breakpoint of $18.90 billion classified as Equities. Note that annuities and life insurance products are not held in your account but defines the size Large Cap. $18.90 billion to $6.20 billion for Mid Cap. and less than $6.20 billion for are included here for your information. Small Cap for domestic equity securities. SmalliMid Cap (SMID) is defined as less than $18.90 The Details Section may also provide summary information regarding accounts enrolled in managed bilkon. The style (Growth, Core or Value) for these securities is defined by a proprietary procedure which account programs such as the Investment Advisory Program (utilizing Managed or Custom Managed utilizes a series of quantitative and qualitative metrics (e.g.. expected earnings growth, analyst coverage. strategies). Consults. BlackRod Private Investors ("BR PI"), and MFA, classification detail for the etc.). managed account is not based on your actual holdings but on the investment style that has been - For Equity Sector, security classifications are based on Global Industry Classification Standard identified for the specific investment manager/style. Your Financial Advisor can also provide a report ("GIGS"). Source: Morgan Stanley Capital International (-MSCI") and Standard 8 Poor's (-sap", a based on the account's actual holdings. division of the McGraw Hill Companies, Inc. When External Assets are included in a Report (as described further in the External Assets section of - For Fixed Income, maturity breakpoints are as follows: Short-Term:0.5 years, Intermediate-Term: 5-15 this Appendix), holdings are generally classified, where available, as indicated above and are based on years, Long-Term greater than 15 years. classification types established by Menlo Lynch. The Merrill Lynch classification types may differ from - For Fixed Income, Non-Securitized US Agency, US Government Sponsored Enterprise. and Super those used at those institutions where your External Assets are maintained. These differences in National debt are classified as US Government / Quasi Government. All Securitized Agency and classification may cause the External Assets in your External Accounts to be displayed in asset Government Sponsored Enterprise debt are classified as Securitized. allocations and/or sector information on your Merrill Lynch Reports that differ from how they appear in - For Fixed Income, bonds are classified as either Investment Grade or High Yield based on the bonds those other institutions. These differences in classification types do not impact the valuation of the composite rating as determined by a methodology set out in the Composite Rating Explanation, with the External Assets. Allocations reported when a classification is not available for External Accounts and exception of bonds pre-refunded or maturity to escrow (including partial redemptions). Bonds pre- External Account Proxies are classified as "other. refunded or maturity to escrow (including partial redemptions) are classified as investment grade and placed in their respective fixed income sector. Classification details for mutual funds, closed end funds, certain managed accounts, annuities and - Equity Region classifications are based on country of domicile and mapped to Merrill Lynch's RIC External Account Proxies are identified in 'Details for Managed Assets and Pooled Investments" ("Details (Research Investment Committee) global regions. Section"). - Convertible securities and options are classified as Equities. Preferred Stock is classified as Fixed "External Account Proxy" are External Accounts that you have generally identified in the aggregate and Income. Life Insurance products are classified as Other. not by specific holdings. Be sure to periodically review these accounts with your Financial Advisor and When available, Market-Linked Investments are classified by the nature of the referenced or linked advise if there have been any changes to the holdings in or value of these Accounts. security or market measure associated with that market-linked investment which may be an individual When External Accounts and External Account Proxies are included in a Report (as described further in security, index, or other investment such as a mutual fund or exchange traded fund. the External Assets section of this Report), holdings are generally classified, where available, as For mutual funds, exchange traded funds, closed end funds and the investment options of underlying indicated above. If a classification is not available, External Accounts and External Account Proxies are annuities, the fund may be shown by holdings or. optionally. by profile (fund objective). classified as "Other. When shown by holdings, the fund is classified by the asset class, sector, size and style or maturity If "Portfolio Detail" reports are included, the value shown for mutual funds, exchange traded funds, breakdown (excluding Fixed Income Sectors where applicable) of those holdings. When shown by closed end funds and the investment options of underlying variable annuities is the proportionate dollar profile, the fund is classified by the asset class, sector (excluding Fixed Income Sectors where value of a funds holdngs, as classified by asset class, sector, size and style or maturity, respectively. applicable), size and style or maturity provided by vendors and mapped to Merrill Lynch's Research Date of Composition Information Obtained for Pooled Investments Investment Committee allocation schema in order to report the industry's or Merrill Lynch's interpretation If the accounts included in this Report hold mutual funds. closed end funds, annuities, and/or other of the objective of the fund/pooled investment vehicle. Note that the data used for this classification is pooled investments, the holdings reported by the fund or carrier as appropriate, as of the date identified obtained from a variety of sources and may not be current (see "Data As Of" date shown in the Details below. are reflected in the Report. Note that mutual funds change their portfolio holdings on a regular Section for the date the portfolio holdings were reported by the fund). (often daily) basis. Accordingly, this Report may not reflect the current composition of the accounts Additionally. Mutual funds, exchange traded funds, closed end funds and the investment options of included. underlying annuities may change their portfolio holdings on a regular (often daily) basis. FxternAl Atults Accordingly, any analysis that includes mutual funds, exchange traded funds, closed end funds, and the The following important information is provided to help you better understand the external assets investment options of underlying annuities may not accurately reflect the current composition of these information that has been provided in this Report. if applicable, and to advise you of action you may need funds. The classification of these securities may differ from other sources due to differing methods of to take by periodically reviewing those assets. If selected for inclusion in this Report, external assets are classification (e.g. shown and classified by holdings versus by profile). As such, this Report may differ reflected in the Account List. For purposes of the following information, both External Accounts and from other reports (e.g.. your Merrill Lynch account statement, in which these funds are always shown by External Account Proxies are referred to generally as 'External Assets". profile) depending on whether the funds are shown by holdings or by profile in this Report. External Assets may include holdings, values and other information that have been supplied: (1) by you In particular. Non-Traditional Funds (NTFs), mutual funds and exchange traded funds that pursue to your Advisor; (2) by you through My Financial Picture: (or) through My Financial Picture by a third alternative strategies or provide alternative asset exposure. may be classified as alternative investments party service which combines your External Assets and provides that information to Merrill Lynch. when shown by profile, but when shown by holdings, the NTF will be classified by the asset class. sector, External Assets information is not included in every exhioit in this Report. External Assets information is size and style or maturity breakdown of its holdings, which may reflect no allocation to alternative only included in the following exhiiits: investments. • Asset Allocation Overview If the holdings or profile data for mutual funds, exchange traded funds. or closed end funds is not • Asset and Account Allocation available, the fund is classified by its predominant asset class ("Data As Of" date shown as "N/A" in the • Asset Class Analysis Portfolio Summary and Detail Details Section). • Asset Class Analysis Account Summary and Detail If the holdings or profile data for the investment options of underlying annuities is not available, fixed • Sector Analysis Portfolio Summary and Detail annuities and market value adjusted annuities are classified as Fixed Income and variable annuities are • Size and Style Analysis Portfolio Summary and Detail Accounts included in this report: Please refer to the Account List for accounts .1c:bided in this report. Report Created February d. 2019 for Kathryn Ruemmter Page 25 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810639 Important Information About This Report Merrill Lynch Bank of America Corporation • Balances Banking products are provided by Bank of America. NA. and affiliated banks. Members FDIC and wholly • Holdings by Product and by Account/Product owned subsidiaries of Bank of America Corporation ("BofA Corp. • Potential Wealth Investment products, insurance and annuity products: • Progress to Goals Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Please make sure you periodically review your External Assets and if you have provided External Are Not Deposits Are Not Insured by Any Fedora Are Not a Condition to Any Assets•related information to your Advisor for inclusion in this or other reports and analyses, it is Government Agency Banking Service or Activity important that you provide your Advisor with updated values, as appropriate. Your Advisor and Merrill Lynch will not update information relating to your External Assets, except for O2019 Bank of America Corporation. All rights reserved. pricing information, if pricing information for the particular security is available to Merrill Lynch. Please refer to "Pricing of Securities" at the end of this Report for additional information. Your Merrill Lynch Account Statement is your official record of holdings, balances. and security values kw your accounts at Merrill Lynch and sold to you by your Advisor. My investments sold to you by your Merrill Lynch Advisor will be included on your Merrill Lynch Account Statement. Any Information contained in this Report does not replace or supersede information on your Merrill Lynch Account Statement or any third party account statement for your External Assets. If there is any inconsistent information reflected for the External Assets information included in this Report. please refer to the statement or report sent to you by the third party and notify the Office Management Team at your Merrill Lynch branch office so that we may update the information. Merrill Lynch does not Independently verify the accuracy of the information supplied, by you or any third party used through My Financial Picture. Although Merrill Lynch may be providing you with information relating to External Assets. Merrill Lynch does not provide investment advice with respect to External Assets unless otherwise agreed to between you and Merrill Lynch. Asset Allocation Models Where an asset allocation model is presented, it may be developed by BofA Merrill Lynch Global Research or the Chief Investment Office (CIO) for use with Merrill Lynch clients. These models represent asset allocation approaches based on a client's profile and investment objectives and are subject to change as market conditions change in the future. In addition, asset allocation models including alternative investments consider liquidity needs as an important factor in the formation of an asset allocation strategy. Liquidity refers to the ability or timeliness with which assets can be converted into cash. Depending on your personal financial needs and objectives. it is important to consider whether you may need to sell investments to raise cash over varying time horizons. If the asset allocation model used in this report includes alternative investments, it is designed for investors with lower liquidity needs. however in some cases, up to 45% of the portfolio may be illiquid for 3-5 years. Alternatively, your Financial Advisor may have customized an asset allocation for your specific situation which may or may not be based on an asset allocation model. You should regularly review your asset allocation with your Financial Advisor and your professional advisors. Asset Allocation does not assure a profit or protect against a loss in declining markets. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Merrill Lynch is the marketing name for Merrill Edge®, Merrill Lynch Wealth Management, and the Private Banking and Investment Group, all of which are made available through Merrill Lynch• Pierce. Fenner & Smith Incorporated (MLPF&S). Merrill Edge is available through MLPF&S. and consists of the Merrill Edge Advisory Center (investment guidance) and self•directed online investing. Merrill Lynch makes available products and services offered by MLPF&S and other subsidiaries of Bank of America Corporation ("BofA Corp"). MLPF&S is a registered broker-dealer, registered investment advisor and Member SIPC. Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency. Both are wholly owned subsidiaries of BofA Corp. MLPF&S makes available investment products sponsored, managed. distributed or provided by companies that are affiliates of BofA Corp or in which BofA Corp has a substantial economic interest. Trust and fiduciary services are provided by U.S. Trust- a division of Bank of America, N.A., Member FDIC. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc.• a licensed insurance agency. Accounts included in this report: Please refer to the Account List for accounts ricluded in this report. Report created February a. 2019 for Kathryn Ruemmter Page 26 For Informational Purposes Only - Account Statement is Official Record of Holdings. Balances and Security Values EFTA00810640