Equity award services at your fingertips

Equity award services at your fingertips Western Union Long Term Incentive Plan

Award access and support 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). 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 Phone Mobile 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 Benefits OnLine Mobile www.benefits.ml.com Once 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 path Instructions for getting around Benefits OnLine. Non-U.S. participants Instructions for non-u.s. participants (those without an IRS W-9 or U.S. resident address). section 16 Section 16/Rule 144 persons RULE 144 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. Financial advisor team Information related to your Merrill Lynch financial advisor team. * 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. 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

Managing and monitoring your awards 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. section If you are a director, executive officer, 16 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. RULE 144 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. 1

Required Getting started Step 1 Create your User ID and Password www.benefits.ml.com > Create User ID Benefits O What you need My Accounts Education Center 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. Secure Login User ID: Enter your User ID Remember me You will be asked to enter your password after you click Continue. Retirement and benefit services provided by Merrill Lynch Your priorities, front and center Family 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. Continue Create your User ID now Forgot your User ID or Password? Have login questions? Recommended browsers Find resources that can help pull the pieces together» Featured Highlights Borrowing From the Bank of You: Taking a loan from your retirement account» Before you make your decision, take time to Health Leisure F myfuture N View the most rec Newsletter. Go no Required Step 2 Open your Merrill Lynch brokerage account 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 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. Cancel Close X 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 Continue Continue > Open a Limited Individual Investor Account section 16 Please RULE 144 call your financial advisor team to open the Limited Individual Investor Account that you will need for transactions related to your equity awards.* 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. * The LIIA is a limited, self-directed, non-interest-bearing brokerage account. 2

PDF PDF u Required Getting started Step 3 Accept your awards 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. Equity Plan > Grant Information > Pending Acceptance How to accept your awards Logout Help Sitemap FAQs Enter Symbol Get Quote 1 Select a Grant Select the grant you want to accept from the list of grants. (You can accept only one grant at a time.) My Accounts Education Center Advice & Planning Markets Equity Plans Grant Information My Activity Individual/Plan Information Document Library Model/Exercise Brokerage Account Plan Selector: Select Plan Equity Plan > Grant Information > Pending Acceptance Pending Acceptance Select Language: English u Select Quick Links (Edit) Print 1. Select a Grant 2. Review Grant 3. Confirm and Submit Your Selection 1 1 Select a Grant Available Grants Grant Type /Grant Code Select Grant Date Quantity Granted Granted Take Action By RSU - RSU01110 06/21/2007 06/21/2014 10,000 1,000 06/01/2015 06/21/2014 NQ-NQ05112 10 06/01/2015 CANCEL CONTINUE 2 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. 1. Select a Grant 2. Review Grant 3. Confirm and Submit Your Selection 2 2 Review Grant Review Documents NOTE: You must view the Grant Documents before making an election. Grant Award Agreement Agreement Grant Award Agreement Agreement Grant Date Grant Type /Grant Code Quantity Granted Take Action By Vesting Details 07/15/2004 RSU - RSU01110 10,000 06/20/2015 View Details Accept By accepting this grant, lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Reject 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. CANCEL BACK CONTINUE 3 Confirm and Submit Your Selection 1. Select a Grant 3 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. 2. Review Grant 3. Confirm and Submit Your Selection Selected Grant Grant Date Grant Type /Grant Code Granted Take Action By 07/15/2004 RSU - RSU01110 10,000 06/20/2015 Vesting View Details To check your award acceptance(s) at any time, you can go to Equity Plan > My Activity. 3 You have chosen to Accept your Grant To confirm, enter your password and click Submit ************** Forgot your Password? SUBMIT 3

Getting started Step 4 Set up wire instructions 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. Equity Plan > Brokerage Account > Wire Instructions section 16 RULE 144 Call your financial advisor team to set up your wire instructions. What you need 1. 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. 4

Getting started Other important steps View your award information Logout Help Sitemap FAQs Enter Symbol Get Quote Equity Plan My Accounts Education Center Markets Equity Plan Grant Information My Activity Individual/Plan Information Document Library Model/Exercise Brokerage Account ABC Company Select Language: English --Select Quick Links-- (Edit) 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. Equity Plans > Grant Information > Grant Summary 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 Stock Options $5,000.00 Restricted Shares $8,000.00 Restricted Units $6,000.00 All Grants $19,000.00 Print Show Outstanding Grants All Grants All dates are displayed in MM/DD/YYYY format Stock Options Grant Date Grant Description Grant Price Quantity Potential Income Unvested ($) Potential Income Vested ($) Last Date to Exercise 01/03/2003 Non Qualified Stock Option 15.00 1,000 0.00 5,000.00 01/02/2013 Total 300 0.00 0.00 View Details Actions Accept This Grant Model Restricted Units Transfer company stock to your new Merrill Lynch brokerage account Quantity Potential Income ($) If you have stock from your company s equity award program at another financial institution, you can transfer it to your Merrill Lynch Actions Total 300 6,000.00 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). Restriction Lapse Date 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. section 16 RULE 144 Call your financial advisor team to transfer stock received through your company s equity program from an outside account to Merrill Lynch. 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: My Accounts > Equity Plan > Brokerage Account > Holdings 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. 5

Getting started Service fees 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 Financial advisor team $19.95 0 to 50,000 shares: $0.04 per share 50,000+ shares: $0.03 per share 0 to 50,000 shares: $0.04 per share 50,000+ shares: $0.03 per share $5.35 $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 SEC transaction fee (as of February 14, 2015) Brokerage account transfer (DTC transfer) Contact a participant service representative $0.0184 for each $1,000.00 or fraction thereof No fee for active participants Fees vary depending on your company s participation in the Direct Registration System (DRS) at the Depository Trust Company. Fee assessed and paid to the Securities and Exchange Commission (SEC) on each stock sale. Fee is subject to change by the SEC. 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. 6

Using Benefits OnLine Using Benefits OnLine 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 Go to www.benefits.ml.com and log in using your User ID and Password (First-time users see Step 1: Create your User ID and Password on page 2 of this brochure.) Page highlights 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. 1 3 My Accounts Education Center Advice & Planning Markets Equity Plan Investment Holdings Document Library My Home Message Center Sitemap Account Preferences Plan Selector: --Select Plan-- TOTAL MARKET VALUE* $85,221.82 ABC Company Equity Plan $85,221.82 LIIA $0.00 MESSAGE CENTER Alerts Announcements Important Plan Update Helpful Plan Information Deposit instructions for your Merrill Lynch brokerage account... USEFUL LINKS ACTION CENTER OPEN BROKERAGE ACCOUNT ABC Company Equity Plan To perform transactions on your Awards, you must have an open Merrill Lynch Brokerage Account for your Equity Plan. OPEN ACCOUNT NOW DID YOU KNOW? You Have Choices If you have cash or stock in your Limited Individual Investor Account or Individual Investor Account, a Retirement Education Specialist can help you review your choices. Call (877) 767-2404 or: SCHEDULE A CALL 2 5 You Have Expiring Awards 4 Enter Symbol --Select Quick Links-- Logout. Help. Sitemap. FAQs Get Quote (Edit) LEARN TO SAVE MORE Six Steps That Could Boost Your Savings Would you like to save more but think you can t? You may be surprised at the extra cash you can find when you take a closer look at your spending habits. START LEARNING 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. 7

Using Benefits OnLine Model and exercise awards 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 section 16 RULE 144 You may model awards online, but you must call your financial advisor team to conduct transactions. How to model awards Logout Help Sitemap FAQs Enter Symbol Get Quote 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. 1 2 My Accounts Grant Information Equity Plans > Model/Exercise > Model/Exercise Model/Exercise Education Center Advice & Planning Markets Equity Plan Model/Exercise --Select Quick Links-- 1 Model Grants 2 Enter Order 3 Review & Submit 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 (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.) Refresh Brokerage Account: ABC12345 Transaction Type: Cashless Sell Select Grant(s) and Quantity to Model: Select Grant(s) To Model My Activity Grant Date Individual/Plan Information Grant Type/ Grant Code Expiration/ Last Date to Exercise Document Library Grants to Display: Grant Price All Vested Grants Options Granted Options Exercised** Brokerage Account Unvested/ Unexercisable Quantity (Edit) Print All dates are displayed in mm/dd/yyyy format. Vested Quantity Potential Income (Vested) Options To Model 10/01/2009 NQ 10/01/2009 $31.385 256 0 0 256 $0 100 3 Calculate Results Select Calculate Results to see the Modeling Results section. Enter Modeling Criteria: View your complete Tax Profile Enter Estimated Market Price To Model $ 41 Start Over Modeling Results: 3 Calculate Results How to exercise stock options Grant Date 10/01/2009 Grant Type/ Grant Code NQ Grant Price $31.39 Options Modeled 100 Stock Sale Proceeds $4,100.00 -Option Cost $3,138.50 -Taxes $0.00 =Net Proceeds $961.50 Select Grant to Exercise Selected Grant Totls 100 $4,100.00 $3,138.50 $0.00 $961.50 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. 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. Option Quantity To Exercise 100 Total Fees Total Commissions 4 $5.44 $8.95 Continue To Exercise Exercise methods 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. 8

Using Benefits OnLine Sell company stock 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. Equity Plan > Brokerage Account > Sell Shares The Sell Shares menu item will only be available if you have opened your Merrill Lynch brokerage account (LIIA). section 16 RULE 144 Call your financial advisor team to sell stock or conduct any other transactions. How-To Instructions Logout Help Sitemap FAQs Enter Symbol Get Quote 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. 1 My Accounts Grant Information Equity Plans > Brokerage Account > Sell Shares Sell Shares Tax Lot Selection and Trading for abc12345 Education Center Markets Equity Plans My Activity ABC Company Select Language: English --Select Quick Links-- (Edit) 1 Enter Quantity 2 Enter Order 3 Review & Submit ABC - $20.00 as of 9:30:27 AM EDT Total Quantity: 1,340 Value: $101,500.00 Brokerage Account: 1AB-12345 Enter Total Quantity to Sell Individual/Plan Information OR Document Library Select Tax Lots from List Below Model/Exercise Brokerage Account $20.00 $8,000.00 $21,000.00 $15,000.00 05/04/2011 Lapse Open 300 300 All dates are displayed in mm/dd/yyyy format. Acquisition Date Quantity Unit Cost Cost Basis Market Value Unrealized Gain/Loss Source Status Available Quantity Quantity to Sell 0 Print 2 Sale Order Information Choose your Sale Order Type either a Market order or a Limit order (see next page). 05/04/2011 05/10/2011 05/15/2011 Totals 100 $10.00 $1,000.00 $7,000.00 $6,000.00 Lapse Reserved QTY:10 90 50 $90.00 $4,500.00 $3,500.00 ($1,000.00) Exercise Locked 50 900 $50.00 $45,000.00 $63,000.00 $18,000.00 Lapse Open 900 1,450 $58,500.00 $101,500.00 1,340 0 N/A 0 Continue 05/04/2011 100 $30.00 $3,000.00 $7,000.00 $4,000.00 Exercise Pending Trade 0 N/A 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. Please note that only level trading is allowed due to pending GTC Order My Accounts Education Center Markets Equity Plans Grant Information My Activity Individual/Plan Information Document Library Model/Exercise Brokerage Account Logout Help Sitemap FAQs Enter Symbol Get Quote 4 Review Your Order When you click Continue after selecting your distribution method, you will be able to review your order before submitting it. 2 ABC Company Select Language: English --Select Quick Links-- (Edit) Equity Plans > Brokerage Account > Sell Shares Sell Shares Tax Lot Selection and Trading 1 Enter Quantity 2 Enter Order 3 Review & Submit Brokerage Account: ABC12345 Security: ABC (ABC Company) Order Quantity: 1,000 Sale Order Information Select an Order Type: Market OR Limit List Price: $68.31 as of 10:36:21 AM 3 Duration: Day OR Distribution Method Distributed As: Check Good Till Cancelled (Valid only for 30 calendar days) Wire Transfer Proceeds to remain in brokerage account (US Dollar Only) Select Currency Not all currencies are available for all distribution methods. Transfer Proceeds to an alternate Merrill Lynch account Cancel Alternate Account Number 4 Continue 9

Using Benefits OnLine Choose your sale order type 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 Set the price at which to sell your shares Market Order Limit Order (You must select one of the types below): As soon as market conditions allow, your shares will be sold. 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* * 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. 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. 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. 10

Using Benefits OnLine 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. Go to www.benefits.ml.com, log in and select the Equity Plan tab to view the menus that follow. My Accounts Education Center Markets Equity Plan 1 2 3 4 5 6 Grant Information My Activity Individual/Plan Information Document Library Model/Exercise Brokerage Account If you want to Select menu item 1 Grant Information View award information View annual statements or confirmations Grant Summary Grant Detail Potential value of your awards (based on prior trading day s closing price) and details about each of your grants. 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 restricted stock or other awards 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 Only Estimate of the net proceeds of a restricted stock vesting or other award transaction. 6 Brokerage Account Sell shares or review orders View brokerage and tax statements 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. 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. 11

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