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Merrill Lynch Employee Adoption Agreement

14 BY ACKNOWLEDGING THESE TERMS OF USE, YOU CONFIRM TO THE INFORMATION PROVIDERS AND MERRILL LYNCH THAT YOU HAVE READ, UNDERSTOOD AND INTEND TO BE BOUND BY THEM. Note: The transfer service and bill payment services are subject to separate registration terms available in the Document and Forms Library and are not subject to the Merrill Edge Self-Directd Investing Terms of Use mentioned above. 15. Viewable Securities / Partial Withdrawal Procedure If you hold redeemable or recovered securities with us before maturity and a partial appeal is made, a fair and impartial approach will be used by the clients concerned to allocate the securities selected for consultation. For Merrill Lynch`s award procedures, please see the link below or request a printed copy by referring to the PartialCallProcessNotice Investment Center.pdf 16. Extended Hours Trading Agreement IMPORTANT INFORMATION ABOUT EXTENDED HOURS TRADING THROUGH ECNS Due to the nature of the extended Hours Trading market, trading in the pre-market and after-hour market through an ECN may present certain greater risks than during normal market hours. Reduced liquidity refers to the level of trading activity and the volume of securities available for trading. As a general rule, the greater the liquidity of a security, the more likely it is that an order will be executed. In addition, other participants in the Extended Hours session can place orders based on Extended Hours News or other market developments.

Before placing an order at the Extended Hours session, you should find that you have sufficient up-to-date information to determine your order limit price. Order time and price priority Orders entered in the Extended Hours session are usually processed in the order in which they were received at each price level. Therefore, orders sent to the ECN by other investors before your order may correspond to an existing order that you have tried to cross-check, which removes that order from the ECN order book. Similarly, your order may not be the first in the series to be executed when a suitable order enters the ECN.