PLAN FEE DISCLOSURE

MPDS charges no fees for participation in the PDS Inc. 401K plan. There are fees that are charged by the funds each participant chooses, and we have posted those expense ratios below. The breakdown of those expenses can be found in the prospectus of each fund. Those prospectuses can be located at www.benefits.ml.com.

PDS 401(k) Plan Investment Review
PDS 401(k) Plan Fee Analysis

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