Merrill Lynch & Co., Inc. 95 Greene Street Jersey City, New Jersey 07302 March 13, 2002 [LOGO] MERRILL LYNCH OFICS Filer Support SEC Operations Center 6432 General Green Way Alexandria, Virginia 22312-2413 Attention: 1933 Act Filing Desk Re: Registration Statement No. 333-97937 With reference to the above captioned Registration Statement and in compliance with Rule 424(b)(3) adopted under the Securities Act of 1933, as amended, we enclose herewith for filing, one copy, marked as required, one Prospectus and Prospectus Supplement dated December 11, 2002 relating to Merrill Lynch & Co., Inc. Medium-Term Notes to be used on and after this date. In addition, please reference that this note is not listed on any exchange. Very truly yours, /s/ Mark Youngclaus Mark Youngclaus Vice President
Merrill Lynch & Co., Inc. Filed under Rule 424 (b)(3), Registration Statement No. 333-97937 $5,547,200,000 Pricing Supplement No. 10027 - dated December 18, 2002 Merrill Lynch CoreNotes 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 - ------------------------------------------------------------------------------------------------------------------------------------ 5901M0BV0 $1,989,000 100.0% 1.0000% 3.50% Monthly 2/3/2008 Yes - ------------------------------------------------------------------------------------------------------------------------------------ Trade Date: Wednesday January 29, 2003 Merrill Lynch & Co. Merrill Lynch & Co., Inc.[LOGO] Issue Date: Monday February 3, 2003 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. - ------------------------------------------------------------------------------------------------------------------------------------