The Working Capital Management Account is a product of Merrill Lynch, Pierce, Fenner & Smith Incorporated. The WCMA Line of Credit and the WCMA Reducing Revolver Loan, which are linked to the Working Capital Management Account, are offered along with other financing through Merrill Lynch Commercial Finance Corp., 222 North LaSalle Street, 17th Floor, Chicago, IL 60601. Loan products and options are not available in all states, and all credit facilities are subject to credit review and approval. California Loans made pursuant to a Department of Corporations California Finance Lenders License.

The loan products offered through Merrill Lynch Commercial Finance Corp. are for business borrowers, must be used for business purposes, and may not be used to purchase securities. With respect to loans that are secured by investments or securities, should the value of the securities pledged as collateral decrease below a certain level (as specified within the loan documents), the deposit of additional assets and/or liquidation of assets may be required. A complete description of the loan terms can be found in the loan agreement and related documentation.

All lease products are offered by De Lage Landen Financial Services, Inc., an independent service provider not affiliated with Merrill Lynch. Merrill Lynch Commercial Finance Corp. refers all information and inquiries to De Lage Landen Financial Services, Inc., and may receive a fee for such referral. Neither De Lage Landen Financial Services, Inc. nor Merrill Lynch is an agent of the other; and neither has any authority to make representations on behalf of the other. Merrill Lynch does not provide tax or legal advice. Consult with your tax and legal advisors about the potential tax benefits of leasing and other types of financing.