CUSIP Detail

Cusip/ISIN:	3128X1KF3 US3128X1KF37
Instrument Type:	MTN	Call Type:	American
Issue Date:	06/18/2003	Issue Price:	99.0
Amount Issued:	$50,000,000	Lockout Period:	1 Year(s)
Currency:	USD	Denomination:	$1,000
First Payment:	12/18/2003	Maturity Date:	06/18/2018
Original Coupon:	3.250%	Current Coupon:	5.000%
Underwriters:	MERRILL LYNCH & CO., INC.

Pricing Supplement for 3128X1KF3