QUANTUMONLINE.COM SECURITY DESCRIPTION:  Merrill Lynch & Co. Inc., Bear Market STARS (Strategic Accelerated Redemption Securities), linked to the SPDR S&P Retail ETF, due 5/4/2010, and issued at $10 per unit. The notes will receive no payments before maturity and make no guarantee of the return of principal at maturity. The securities will be automatically called on any of the three observation dates at a call premium of 27.60% per annum if the level of the index on any observation date is equal to or less than the call level of 100% of the starting level of the index (starting level 22.5463 as of 10/30/2008). The securities are automatically callable at $11.38 on 5/12/2009, $12.76 on 11/12/2009 and $14.14 on 4/27/2010. At the maturity date, if the securities have not been called, and the level of the index is equal to or less than the threshold level of 27.0556 (120% of the starting level), the maturity payment will be the $10 principal value. If, at the maturity date, the index level is greater than the threshold level, the holder will receive a payment based on the percentage change in the level of the index. As a result, the maturity payment may be less, and possibly significantly less, than the $10 offering price. See page TS-2 of the prospectus for further details on the maturity payment calculation method, page TS-3 for hypothetical calculations of potential maturity payments, and page TS-12 for information on the tax considerations of the notes. These notes are senior unsecured debt securities issued by Merrill Lynch & Co. Inc. and rank equally with all of their other unsecured and unsubordinated debt. See the IPO prospectus for further information on the Accelerated Return Notes by clicking on the ‘Link to IPO Prospectus’ provided below.

Company's Online Information Links

HOME PAGE:     http://www.ml.com/ (This parent company URL is for reference only and does not have specific information on the security.)

Company's Online SEC EDGAR Filings

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Company's Email Address Links

Email Address	investor_relations@ml.com
Email Contact Form on Website	Go to Email Form

Address and Phone Numbers

Address:   4 World Financial Center, North Tower, New York, NY 10080
Main Phone Number	212-449-1000
Fax Number	212-236-4384
Investor Relations	866-607-1234
Toll Free Phone Number	800-637-7455

CEO - David H. Komansky

CFO - Thomas H. Patrick