equity award services at your fingertips · this brochure is a general description of merrill...

Equity award services at your fingertips

Western Union Long Term Incentive Plan

Award access and support

Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BofA Corp.). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp.

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

* Carrier fees may apply.

This brochure is a general description of Merrill Lynch’s equity plan services. Your equity awards are subject to the terms of your company’s plan, any agreement between you and your company covering your equity awards, and the prospectus provided to you by your company. Any transactions in connection with your plan in your Merrill Lynch brokerage account are subject to the terms and conditions of that account. This brochure does not constitute an offer or invitation to buy any securities. Any offer to buy securities from your company would be made only by a prospectus in accordance with the Securities Act of 1933 as amended. Refer to the accompanying materials for information provided by your company about your specific program.

Online

Benefits OnLine®www.benefits.ml.com

To view portions of the website in another language, select Benefits OnLine International at the top of the Login page and follow the prompts. Benefits OnLine will remember your language each time you log in (from the same computer).

Phone

Participant service representatives and voice response system (virtually 24/7)

1.844.WU.Stock (1.844.987.8625) (U.S., Puerto Rico and Canada)

To access the phone system, you can choose to use your Social Security number, Benefits OnLine ID or internal verification number (non-U.S. participants).

AT&T access code + 1.844.WU.Stock (1.844.987.8625) or dial direct +1.609.818.8894

Merrill Lynch financial advisor

The Global Corporate and Institutional Advisory Services (GCIAS) group (Your financial advisor team)1.844.WU.Stock (1.844.987.8625) (U.S., Puerto Rico and Canada)

Call 8 a.m. to 6 p.m. Eastern Time, any day the New York Stock Exchange is open.

AT&T access code + 1.844.WU.Stock (1.844.987.8625) or dial direct +1.609.818.8894

Mobile

Benefits OnLine® Mobilewww.benefits.ml.comOnce you have your access to Benefits OnLine, this mobile-optimized website lets you check your grants and receive important alerts on most smartphones.*

Guide to symbols

Quick pathInstructions for getting around Benefits OnLine.

section

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16Section 16/Rule 144 persons Information for directors, executive officers, associates or other persons subject to Rule 144 or Section 16 of the Securities Exchange Act of 1934, as amended. If you are not sure whether this applies to you, contact your legal department.

Non-U.S. participants Instructions for non-U.S. participants (those without an IRS W-9 or U.S. resident address).

Financial advisor team Information related to your Merrill Lynch financial advisor team.

http://www.benefits.ml.com

1

What’s inside

Getting started

Step 1. Create your User ID and Password. . . . . . . . . . . . . . . . . .2

Step 2. Open your Merrill Lynch brokerage account. . . . . . . . . .2

Step 3. Accept your awards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Step 4. Set up wire instructions . . . . . . . . . . . . . . . . . . . . . . . . . .4

Other important steps

View your award information . . . . . . . . . . . . . . . . . . . . . . . . .5

Transfer company stock to your new Merrill Lynch brokerage account . . . . . . . . . . . . . . . . . . . . . .5

Service fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Using Benefits OnLine

My Accounts page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Model and exercise awards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Sell company stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Choose your sale order type. . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Quick guide to your awards online . . . . . . . . . . . . . . . . . . . . . . 11

The screen shots shown in this communication are intended to illustrate the functionality and services available to participants on Benefits OnLine. They are not meant as exact representations of the screens available through your plan.

Your equity grants are an important part of your overall compensation, and you’ll want the tools and resources that can help you make the most of the financial opportunity that these awards represent.

Merrill Lynch offers a wide range of resources to help you manage and monitor your awards, including Benefits OnLine. Through Merrill Lynch, you have access to:

• Detailed information about your awards, online or by phone,

• Online modeling and transaction capabilities,

• Online statements, confirmations, and forms, and

• An online Education Center with information to help you understand equity awards and how they work.

This brochure is a practical guide to managing your equity awards with Merrill Lynch. It includes step-by-step instructions for getting started. Please keep this guide with your award agreements and related plan documents as a reference.

Managing and monitoring your awards

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16If you are a director, executive officer, associate or other person subject to Rule 144 or Section 16 of the Securities Exchange Act of 1934, as amended (“Section 16 persons”), you will work directly with your

financial advisor team to open your brokerage account and conduct transactions. You will still enjoy the convenience of online access to your award and account information as well as other helpful resources.

2

Step 1 Create your User ID and Password www.benefits.ml.com > Create User ID

What you need

1. Social Security number (U.S. participants)

Non-U.S. participants: Use the 9-digit internal verification number (which begins with an “8”) sent to you in the mail. Enter this when prompted for your “Account Number.”

2. Personal Identification Number (PIN)

PINs are sent to you in the mail. If you do not have your PIN, select Forgot Your PIN when prompted for your PIN.

Note: If you already have a User ID and Password for another plan at Merrill Lynch, you do not need to create new ones.

You will need to open a Limited Individual Investor Account (LIIA) before you can conduct transactions related to your equity awards — even if you have another Merrill Lynch brokerage account.*

To get started, click “Open Account Now” from the Action Center when you first log in to reach the “Open a Limited Individual Investor Account” screen. Or, from the pop-up box (“Open a Brokerage Account”) that appears after you log in or create your User ID and Password, select:

Open a Brokerage Account Close X

Cancelancel Continue

If you have not yet opened the brokerage account required for your plan(s), please select

a plan from the list below to open an account.

If you have set up an LIIA account in the last 72 hours, please ignore this message and press

"Cancel" to continue with your navigation on the site.

Your Company

Avoid delays! It may take up to 72 hours for your account to be activated. Open your account now so it will be ready for your award transactions.

Step 2 Open your Merrill Lynch brokerage account

Required

Getting startedRequired

My Accounts Education Center

Featured Highlights myFuture Newsletter

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Don’t Just Set It and Forget It: Your 401(k) needsregular TLC »It’s important to check your account periodically, and rebalance when necessary, to make sure your investments are still in line with your goals and properly diversified to help you minimize risk.

View the most recent version of the myFutureNewsletter. Go now »

What’s next for the global markets & theeconomy? Learn more about timely insights oninvestment opportunities and risks. Go now »

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Your priorities,front and centerFind resources thatcan help pull thepieces together »

Retirement and benefit services provided by Merrill Lynch

Create your User ID nowForgot your User ID or Password?

Have login questions?

Recommended browsers

Benefits OnLine International | ml.com

Secure Login

Enter your User ID

Remember me

User ID:

You will be asked to enter your passwordafter you click Continue.

Continue

Continue > Open a Limited Individual Investor Account

* The LIIA is a limited, self-directed, non-interest-bearing brokerage account.

section

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16Please call your financial advisor team to open the Limited Individual Investor Account

that you will need for transactions related to your equity awards.*

3

Certain awards must be accepted before you can exercise them or receive shares or cash payouts. By accepting your awards right away, you can avoid potential delays later. To get started with this three step process, click “Accept Now” from the Action Center under My Accounts, or follow the path below.

Review Grant

Review the grant award document(s) associated with your award. This is a required step.

Then choose to Accept (or Reject) your award.

Confirm and Submit Your Selection

To confirm your action, you will be required to enter your Benefits OnLine password. Then click Submit. A confirmation of your action will then be displayed.

Step 3 Accept your awards

Getting startedRequired

To check your award acceptance(s) at any time, you can go to Equity Plan > My Activity.

1

2

3

How to accept your awards

Select a Grant

Select the grant you want to accept from the list of grants. (You can accept only one grant at a time.)

Print

Get QuoteEnter Symbol

Logout • Help • Sitemap • FAQs

My Accounts Education Center Advice & Planning Markets Equity Plans

Equity Plan > Grant Information > Pending Acceptance

— Select Quick Links — (Edit) Plan Selector: — Select Plan —

Grant Information My Activity Individual/Plan Information Document Library Model/Exercise Brokerage Account

Pending Acceptance

Select a Grant

CANCEL

1

Available Grants

Select Grant Date Granted Take Action ByGrant Type /Grant Code

06/21/2007 10,000 06/01/2015RSU - RSU01110

06/21/2014 10 06/01/2015NQ-NQ05112

1. Select a Grant

2. Review Grant

3. Confirm and Submit Your Selection

CONTINUE

Select Language: English uu

CONTINUE

Select Grant Date Quantity Granted Take Action ByGrant Type /Grant Code

06/21/2014 1,000 06/01/2015RSU - RSU01110






Grant Information Individual/Plan Information Model/Exercise Brokerage Account

Pending Acceptance

Review Grant

Review Documents

2

Grant Date Grant Type /Grant Code

07/15/2004

Vesting Details

View DetailsRSU - RSU01110

1. Select a Grant

2. Review Grant


CONTINUE

NOTE: You must view the Grant Documents before making an election.

By accepting this grant, lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diamnonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat.

Accept

if acceptances is declined, this grant lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat.

Reject

Print


PDF

Grant Award AgreementPDF

Grant Award Agreement

BACKCANCEL CONTINUECONTINUE

NOTE: You must view the Grant Documents before making an election.

Quantity Granted Take Action By

10,000 06/20/2015

Grant Award

Agreement

Grant Award

Agreement






Grant Information Individual/Plan Information Model/Exercise Brokerage Account

Pending Acceptance

Confirm and Submit Your Selection

Selected Grant

3

Grant Date Granted Take Action ByGrant Type /Grant Code

10,00007/15/2004

Vesting

View Details06/20/2015RSU - RSU01110

1. Select a Grant

2. Review Grant


SUBMIT

Print


Forgot your Password?To confirm, enter your password and click Submit

You have chosen to Accept your Grant**************3

2

1


4

Having wire instructions on file will allow you to transfer funds from your Merrill Lynch brokerage account (LIIA) to another account when you conduct transactions.

What you need1. Account number to which funds will be wired

2. Your financial institution’s “FedWire” ABA (routing) number Contact your financial institution to confirm its ABA number for wire transfers or any alternate instructions.

To transfer cash to another Merrill Lynch account, use ABA number 026009593.

Non-U.S. participants: You will need a SWIFT code in place of the ABA number. There may be additional country requirements for some non-U.S. participants. Contact your financial institution if you have any questions.

You will receive a confirmation of your instructions. If you are no longer an active employee at your company or if your financial institution requires an intermediary, you must call a participant service representative to set up wire instructions.

Step 4 Set up wire instructions

Getting started

Equity Plan > Brokerage Account > Wire Instructions

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16 Call your financial advisor team to set up your wire instructions.

5

View your award information

Other important steps

Getting started

This takes you to the Grant Summary page showing information about your awards. Select an award’s grant date for more detailed information about that award. You can also select the name of your equity plan under My Accounts to see the Grant Summary page.

Grant Summary

The amounts below show the total vested and unvested potential income and are based on share price of $20.00 As of COB 10/06/2010

Show Outstanding Grants

All dates are displayed in MM/DD/YYYY format

Print

Grant Date Grant Description

01/03/2003 Non Qualified Stock Option 15.00 1,000 0.00 5,000.00 01/02/2013

Total

Quantity

Actions

300 0.00 0.00

Potential IncomeUnvested ($)

Last Date toExercise

All Grants

Stock Options

The amounts below show the total vested and unvested potential income and are based on share price of $20.00f As of COB 10/06/2010

Show Outstanding Grants

Stock Options

$5,000.00

Restricted Shares

$8,000.00

Equity Plans > Grant Information > Grant Summary

Restricted Units

$6,000.00

Grant Price Potential IncomeVested ($)

View Details

Accept This Grant

ModelModel


02/15/2008 Restricted Shares 400 8,000.00 02/15/2011

Total

Quantity

Actions

400 8,000.00

Potential Income ($)RestrictionLapse Date

Restricted Shares


01/12/2010 Restricted Units 300 6,000.00 02/12/2011

Total

Quantity

Actions

300 6,000.00

Potential Income ($)RestrictionLapse Date

Restricted Units

All Grants

$19,000.00



My Accounts Education Center Markets Equity Plan

ABC Company Select Language: (Edit)--Select Quick Links--English �

Grant Information Model/Exercise Brokerage AccountIndividual/Plan Information Document LibraryMy ActivityEquity Plan

Transfer company stock to your new Merrill Lynch brokerage accountIf you have stock from your company’s equity award program at another financial institution, you can transfer it to your Merrill Lynch brokerage account (LIIA). If your stock is jointly held, you will be changing ownership upon transfer to an individually held account at Merrill Lynch (check with your current financial institution regarding the ownership change process).

• Contact the financial institution that holds your company shares.

• Confirm that Depository Trust Company (DTC) transfers are permitted and what the fees may be. If you cannot make a DTC transfer, contact a participant service representative for more information.

What you need

1. Your Merrill Lynch brokerage account number (LIIA)

2. Your exact name and title as listed on the account

3. Merrill Lynch’s DTC number (5198)

4. The number of shares you want to transfer

• You may be required to complete a form for this request. Shares should be electronically delivered to your Merrill Lynch account within three to five business days (seven to ten days if transferred from a non-U.S. financial institution). To confirm that your shares have been transferred, go to:

• Contact the financial institution if the shares are not in your account after seven to ten business days. To reach Merrill Lynch about the deposit, call 1.844.WU.Stock (1.844.987.8625) or +1 609.818.8894 if located outside the United States, Puerto Rico or Canada.

My Accounts > Equity Plan > Brokerage Account > Holdings

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16Call your financial advisor team to transfer stock received through your company’s equity program

from an outside account to Merrill Lynch.

6

Getting started

Transaction fees Award recipients are charged the following commissions for shares sold in a cashless exercise of stock options and for all subsequent sales of company stock held in your Merrill Lynch brokerage account. There is no fee or commission for a cash purchase exercise.

Service channel Minimum Transaction cost Processing

Online $19.95 $0.03 per share $5.35

Participant service representative $19.95 0 to 50,000 shares: $0.04 per share

50,000+ shares: $0.03 per share$5.35

Financial advisor team $19.95 0 to 50,000 shares: $0.04 per share

50,000+ shares: $0.03 per share$5.35

The minimums and transaction costs listed above are on a per-grant basis.

Participants selling large blocks of shares (e.g., 10,000 or more) may benefit by consulting a Merrill Lynch representative prior to executing the transaction. Large blocks of shares sold through Merrill Lynch’s Special Equities Trading group may result in a more favorable execution price when compared to the online system. (However, there is no guarantee that a representative will be able to obtain a more favorable execution price.)

Other fees*

Account Cost Important information

Limited Individual Investor Account (LIIA)

No fee for active participants

$65 annual fee for inactive participants with cash and/or securities balance

$15 quarterly low balance fee for inactive participants with balances below $20,000

Active participants include anyone with grants outstanding or eligible to receive future grants. Contact a participant service representative for more information.

Service Cost Important information

Wire transfer $7.50** Wire transfers may not be available in all currencies.

Non-U.S. currency checks $15.00** Checks may not be available in all currencies.

Stock certificate / DRS statement requests

Contact a participant service representative

Fees vary depending on your company’s participation in the Direct Registration System (DRS) at the Depository Trust Company.

SEC transaction fee (as of February 14, 2015)

$0.0184 for each $1,000.00 or fraction thereof

Fee assessed and paid to the Securities and Exchange Commission (SEC) on each stock sale. Fee is subject to change by the SEC.

Brokerage account transfer (DTC transfer)

No fee for active participants

Applies only to Depository Trust Company (DTC) transfer of assets to another broker. Contact a participant service representative for more information.

Duplicate confirmations $5.00 per hard copy Excludes transactions within the last six months. Available online at no cost.

Duplicate statements $5.00 per hard copy Excludes the two most recent statements. Available online at no cost.

* You will be subject to the applicable fees, terms and conditions associated with the retail brokerage account established in connection with your equity award program. All brokerage account fees are subject to change upon notification to you.

** Requests made outside of the AwardChoice® system (Benefits OnLine, participant service representatives or a financial advisor) are subject to retail brokerage wire transfer fees.

Commissions and account fees for transactions and services unrelated to your company equity awards plan are subject to standard Merrill Lynch rates. Please speak with a participant service representative for more information.

Service fees

7


Benefits OnLine offers a wide variety of tools and resources for managing and monitoring your awards. The following pages highlight many of the site’s key features and guide you through important steps related to your awards.

My Accounts page

(First-time users see Step 1: Create your User ID and Password on page 2 of this brochure.)


Go to www.benefits.ml.com and log in using your User ID and Password

Page highlights

My Accounts

My Home Message Center Sitemap Account PreferencesInvestment Holdings

Education Center Advice & Planning Markets Equity Plan

Plan Selector:

You Have Choices If you have cash or stock in your Limited Individual Investor Account or IndividualInvestor Account, a Retirement Education Specialist can help you review your choices.Call (877) 767-2404 or:

You Have Expiring Awards Our records indicate that your stock option award(s) is about to expire. Call 877-767-2404to speak with a Retirement & Equity Specialist about your choices and steps to consider.

DID YOU KNOW?

EDUCATION RESOURCES

ACTION CENTER

SCHEDULE A CALL

ABC Company Equity Plan$85,221.82

TOTAL MARKET VALUE*$85,221.82

To perform transactions on yourAwards, you must have an openMerrill Lynch Brokerage Accountfor your Equity Plan.

OPEN ACCOUNT NOW

Deposit instructions for your Merrill Lynch brokerageaccount...

MESSAGE CENTER

USEFUL LINKS

Alerts

Announcements

Important Plan Update

Helpful Plan Information

Statements

My Financial PictureMerrill Edge

Download to Quicken

(Edit)

Logout . Help . Sitemap . FAQs

--Select Quick Links----Select Plan--

ABC Company Equity PlanOPEN BROKERAGE ACCOUNT

Would you like to save more but thinkyou can’t? You may be surprised at theextra cash you can find when you take a closer look at your spending habits.

START LEARNING

Enter Symbol Get Quote

LIIA$0.00

LEARN TO SAVE MORESix Steps That Could BoostYour Savings

Document Library

1

2

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45

1 Total Market Value

Shows you:

• Your award balance (the total potential market value of your outstanding awards based on the previous trading day’s closing price for your company’s stock)

• Your brokerage account balance (if account is activated)

Select the name of your award plan or brokerage account to see more detailed information.

2 Equity Plan

Provides access to information and resources for your awards.

3 Message Center Shows any important messages that require your attention, including time-sensitive Alerts about actions you may need to take.

4 Select Quick Links Lets you establish quick links to the pages you visit most often.

5 Action Center Alerts you to any actions you may need to take (such as opening a brokerage account) or to information that can help you plan for your financial future.

8

How to model awards

How to exercise stock options

Model/Exercise Print

Looking for stock held in your brokerage account resulting from the payment of a restricted award, performance award, or an option exercise? Access the Sell Shares page»

For more information about opening your account, modeling and exercising your grants and more, access Equity Awards Education, or access the FAQs for answers to frequently

asked questions.

ABC $36.00 Refresh | Brokerage Account: ABC12345(Price information is as of 13:32 and is a real time quote for information purposes only. The accuracy of this data is not warranted.)

Equity Plans > Model/Exercise > Model/Exercise



My Accounts

Grant Information Model/Exercise

Education Center Advice & Planning Markets Equity Plan

(Edit)--Select Quick Links--

Enter Modeling Criteria:

Start Over Calculate Results

Enter Estimated Market Price To Model $ 41

View your complete Tax Profile

Modeling Results:

Grant Date

10/01/2009

Grant Type/Grant Code

NQ

Stock SaleProceeds

$4,100.00

Select Grant toExercise

Grant Price

$31.39

Selected Grant

Totls

OptionsModeled

100

100 $4,100.00

-Option Cost

$3,138.50

$3,138.50

-Taxes

$0.00

$0.00

=Net Proceeds

$961.50

$961.50

NOTE: These figures are estimates only for grant exercise modeling purposes. Where more than one grant is selected for exercise, stock sales for each grant exercise will be

combined and entered as a single order for related stock sales. Refer to the recordkeeping confirmation for information about each grant exercise.

100

$5.44

$8.95

Option Quantity To Exercise

Total Fees

Total Commissions

Continue To Exercise

Model Grants1 2 Enter Order Review & Submit3

Transaction Type: Grants to Display:Cashless Sell All Vested Grants

Select Grant(s) and Quantity to Model: All dates are displayed in mm/dd/yyyy format.

Select Grant(s)To Model Grant Date

Grant Type/Grant Code

Expiration/Last Date to

ExerciseGrant Price

OptionsGranted

OptionsExercised**

Unvested/Unexercisable

Quantity

PotentialIncome

(Vested)

OptionsTo

Model

VestedQuantity

10/01/2009 NQ 10/01/2009 $31.385 256 0 0 256 $0 100

Brokerage AccountIndividual/Plan Information Document LibraryMy Activity

Exercise methods

Equity Plan > Model/Exercise > Model/Exercise OR Model Only

You can model the estimated value of your awards and exercise stock options using the Model/Exercise tab.

Stock options — Use Model/Exercise Restricted awards — Use Model Only

Cashless sell (no cash is required) — All shares are sold. You receive net proceeds in cash after exercise costs (purchase price, taxes and commissions/fees) are deducted.

Cashless hold (no cash is required) — Some of your shares are sold to cover all exercise costs (purchase price, taxes and commissions/fees). You receive the net shares.

Cash purchase (cash is required) — You pay cash to cover all exercise costs (purchase price and taxes). You receive all shares from your exercise request.

Model and exercise awards


1 Transaction Type/Grants to Display • Stock options — Select the Transaction type (such as

cashless sell or cash purchase). Then select the awards you want to display.

• Restricted awards — Select Restriction Lapse from the Transaction Type menu.

2 Select Grants to Model/Enter Modeling Criteria• Select the grants you want to model and the quantity

to model. Then enter the modeling criteria.

3 Calculate Results• Select Calculate Results to see the

Modeling Results section.

4 Continue to Exercise • Check the box under Select Grant in the Modeling

Results section for the stock options you want to exercise. Then select Continue to Exercise.

1

2

3

4

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16You may model awards online, but you must call your financial advisor team to conduct transactions.

9


Through Benefits OnLine you can sell shares that you hold in your brokerage account (LIIA). When you do, you can choose a quantity to sell or select specific tax lots to sell. When choosing a quantity, shares are sold on a first-in, first-out basis (the shares held the longest will be sold first). Choosing specific tax lots to sell can simplify recordkeeping for tax purposes.

How-To Instructions

The Sell Shares menu item will only be available if you have opened your Merrill Lynch brokerage account (LIIA).

Sell company stock

1 Choose Total Quantity to Sell or Select Tax Lots You can choose Enter Total Quantity to Sell or Select Tax Lots from List Below.

• If you choose Enter Total Quantity to Sell, just enter that quantity in the adjacent box. Then click Continue.

• If you choose Select Tax Lots, select the tax lot(s) from the display and enter the quantity to sell from each lot at the right of the screen. Then click Continue.

2 Sale Order Information Choose your Sale Order Type – either a Market order or a Limit order (see next page).

3 Distribution Method Choose how you want to receive proceeds – by check, wired to an account or held in your LIIA (which doesn’t pay interest). Then click Continue.

4 Review Your OrderWhen you click Continue after selecting your distribution method, you will be able to review your order before submitting it.

Enter Total Quantity to Sell

ABC - $20.00 as of 9:30:27 AM EDT | Total Quantity: 1,340 | Value: $101,500.00 | Brokerage Account: 1AB-12345

OR

05/04/2011 Lapse Open300 300$20.00 $8,000.00 $21,000.00 $15,000.00

05/04/2011

05/04/2011

05/15/2011

05/10/2011

Sell Shares – Tax Lot Selection and Trading

All dates are displayed in mm/dd/yyyy format.

▲▼

▲▼

▲▼

▲▼

▲▼

▲▼

▲▼

▲▼

▲▼

▲▼

Print

for abc12345

Acquisition Date Quantity Unit Cost Cost Basis Market Value Status Quantity to SellUnrealized Gain/Loss

0

N/A

N/A

0

0

Source Available Quantity

Continue

Totals

Exercise Pending Trade100 0$30.00 $3,000.00 $7,000.00 $4,000.00

Lapse Reserved QTY:10100 90$10.00 $1,000.00 $7,000.00 $6,000.00

Exercise Locked50 50$90.00 $4,500.00 $3,500.00 ($1,000.00)

Lapse Open900 900$50.00 $45,000.00 $63,000.00 $18,000.00

1,450 1,340$58,500.00 $101,500.00

Please note that only level trading is allowed due to pending GTC Order

Equity Plans > Brokerage Account > Sell Shares

Select Tax Lots from List Below

Enter Quantity1 Enter Order2 Review & Submit3



My Accounts

Grant Information

Education Center Markets Equity Plans


Model/Exercise Brokerage AccountIndividual/Plan Information Document LibraryMy Activity

Equity Plan > Brokerage Account > Sell Shares

Equity Plans > Brokerage Account > Sell Shares

Continue

Market ORSelect an Order Type:

Sale Order Information

Distribution Method

Proceeds to remain in brokerage account (US Dollar Only)

Limit List Price: $68.31 as of 10:36:21 AM

Check

Select Currency

Cancel

Wire Transfer

Not all currencies are available for all distribution methods.

Transfer Proceeds to an alternate Merrill Lynch account

Alternate Account Number

Brokerage Account: ABC12345 | Security: ABC (ABC Company)

Sell Shares – Tax Lot Selection and Trading

Order Quantity: 1,000

Day ORDuration:

Distributed As:

Good Till Cancelled (Valid only for 30 calendar days)

Enter Quantity1 2 Enter Order Review & Submit3



My Accounts Education Center Markets Equity Plans


Grant Information Model/Exercise Brokerage AccountIndividual/Plan Information Document LibraryMy Activity

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16 Call your financial advisor team to sell stock or conduct any other transactions.

1

2

3

4

10


When you sell company stock (including when exercising options), you must decide when you want the sale to take place—at the next available sale price (a “market order”) or at a specified price (a “limit order”).

If you want to… Choose this method How it works

Sell your shares at the next available sale price

Market Order As soon as market conditions allow, your shares will be sold.

Set the price at which to sell your shares…

Limit Order (You must select one of the types below):

If the stock price reaches or exceeds your set limit price, shares are sold subject to market conditions. If the price is not met while the order is in effect, your order is cancelled and shares/options are available for future sale/exercise.

… on the current trading day • Day Limit Order Order is in effect for current trading day only. Orders entered after market close will be in effect for the next business day.

… over the next 30 calendar days • Good Till Cancelled Limit Order*

Order is in effect for 30 calendar days following the date of entry. For orders entered after the market close but before 12 midnight Eastern, the 30-day count begins two business days after the order is entered.

* Please note that you cannot place a Good Till Cancelled order in connection with a cashless hold exercise.

• Merrill Lynch will execute all sale orders subject to market conditions.

• You may receive partial execution of the sale order you place, resulting in only a portion of your stock options being exercised. Once your exercise has been entered, you should check the exercise confirmation on Benefits OnLine to determine the number of stock options exercised. You may need to re-enter the order for the balance of the options not exercised.

Company blackouts

• Generally, all limit orders related to stock option exercises will be cancelled at the outset of a blackout period (a period set by your company during which purchases and sales of company stock are prohibited). Generally, no stock option exercises will be processed online during a blackout period.

• No new orders related to stock option exercises may be placed online or over the phone during a blackout period.

• Any and all blackout periods are determined by your company and are subject to change.

Choose your sale order type

11

Quick guide to your awards online


Click the Equity Plan tab to view your award information and access the tools and resources that can help you manage and monitor your account. The most common tasks are highlighted below. The tabs and menus shown may vary for your company.

If you want to … Select menu item…

1 Grant Information

View award information Grant Summary – Grant Detail — Potential value of your awards (based on prior trading day’s closing price) and details about each of your grants.

View annual statements or confirmations

Annual statements provide an annual status of your awards. A confirmation is a record of each award transaction (exercise/settling of awards; does not include subsequent stock sales).

2 My Activity

View previous or pending activity

View your previous activity by time period and type of activity or review your pending activity.

3 Individual/Plan Information

View your personal information/tax profile

Participant/Tax Profile — Your personal information, including address, ID number and tax rates as provided by your company.

4 Document Library

View plan agreements and forms

Agreements and forms related to equity awards, along with plan documents and brochures related to your plan.*

5 Model/Exercise (Section 16 persons can model online but must call the Plan’s financial advisor team to conduct transactions.)

Model and exercise stock options

Model/Exercise — Estimate (model) of the net proceeds from exercising your stock options. Allows you to exercise your awards. This menu item will not appear if you have not opened your brokerage account (LIIA).

Model restricted stock or other awards

Model Only — Estimate of the net proceeds of a restricted stock vesting or other award transaction.

6 Brokerage Account

Sell shares or review orders

Sell Shares — Allows you to sell shares held in your brokerage account (LIIA).

View/Change Orders — Allows you to cancel a pending order or extend a limit order.

View brokerage and tax statements

Go to MyMerrill — Statement of cash and securities in your brokerage account (LIIA) and of any transactions, as well as tax reporting statements.

* Plan documents, including any prospectus or grant agreement, posted on Benefits OnLine are prepared and made available to you by your company, not Merrill Lynch.

My Accounts

Grant Information Model/Exercise Brokerage AccountIndividual/Plan Information Document LibraryMy Activity

Education Center Markets Equity Plan

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Go to www.benefits.ml.com, log in and select the Equity Plan tab to view the menus that follow.

This booklet contains certain descriptions of plan features as they exist at the time of final editing of the booklet, January 2016. While every effort has been made to ensure the accuracy of the booklet, if there is any conflict between the information in the booklet and the official documents governing the plans and programs, the official documents will control. Nothing in the booklet is intended to create or affect an employment relationship between Western Union, or its subsidiaries and affiliates, and any person. The sponsors of the plans and programs have reserved the right to amend or terminate any plan or program at any time, at the sole discretion of each, in accordance with the terms of the plan or program.

Neither Western Union nor Merrill Lynch (including its representatives) provides tax, accounting, or legal advice. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.

Unless otherwise noted, all trademarks and registered trademarks are the property of Bank of America Corporation. ©2016 Bank of America Corporation. All rights reserved. | ARGF7XTC | 20152794-1 | 01/2016