Merrill Lynch & Co., Inc. Filed under Rule 424 (b)(3), Registration Statement No. 333-97937 $5,547,200,000 Pricing Supplement No. 10020 - dated November 6, 2002 Merill Lynch Core Notes Due Nine (To prospectus dated September 25, 2002 and prospectus supplement dated September 25, 2002) Months or More from Date of Issue - ----------------------------------------------------------------------------------------------------------------------------------- CUSIP Aggregate Price to Purchasing Interest Rate Interest Payment Stated Maturity Survivor's Number Principal Amount Public(1) Agent's Discount(1) Per Annum Frequency Date Option - ----------------------------------------------------------------------------------------------------------------------------------- 5901M0BN8 $4,190,000 100.0% 1.5000% 5.05% Monthly 11/13/2012 Yes Redemption Information: Redeemable at the option of Merrill Lynch & Co., Inc. on 11/15/2004 and each Interest Payment Date thereafter, at a price equal to 100%. - ----------------------------------------------------------------------------------------------------------------------------------- Trade Date: Wednesday November 6, 2002 Merrill Lynch & Co. Merrill Lynch & Co., Inc. [LOGO] Tuesday November 12, 2002 Purchasing Agent 4 World Financial Center Minimum Denominations/Increments: $1,000/$1,000 Acting as Principal New York, NY 10080 Original Issue Discount: No All trades settle without accrued interest and clear SDFS: DTC Book-Entry only Merrill Lynch DTC Participant Number: 5132 (1) Expressed as a percentage of the aggregate principal amount. - -----------------------------------------------------------------------------------------------------------------------------------