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Investor Relations

Analyst Coverage

Firm Analyst
Argus Research   David Ritter
Atlantic Equities   Camilla Peterson
Banc of America Securities   Michael Hecht
Buckingham Research Group   James Mitchell
CIBC World Markets   Meredith Whitney
Citigroup Smith Barney   Prashant Bhatia
Credit Suisse   Susan Roth Katzke
Deutsche Bank   Mike Mayo
Fox-Pitt, Kelton   David Trone
Goldman Sachs   William Tanona
HSBC   Matthew Czepliewicz
JPMorgan Chase   Ken Worthington
Keefe, Bruyette & Woods   Lauren Smith
Lehman Brothers   Roger Freeman
Punk, Ziegel & Co.   Richard Bove
Sandler O'Neill   Jeffery Harte
Sanford Bernstein   Brad Hintz
UBS   Glenn Schorr
Wachovia Securities   Douglas Sipkin

Note: Merrill Lynch is followed by the analysts listed above. This list may not be complete and is subject to change as firms add or delete coverage of Merrill Lynch. Please be aware that any opinions, estimates or forecasts made by these analysts regarding Merrill Lynch's performance are theirs alone and do not represent opinions, forecasts or predictions of Merrill Lynch or its management. Merrill Lynch does not by its reference above imply its endorsement of or concurrence with such information, conclusions or recommendations. Interested persons may obtain copies of analysts' reports on their own; Merrill Lynch does not distribute these reports.