/Im0 35 0 R /SpaceAfter 4.0 /Type /Font /Rect [53.2498 207.926 141.2 223.691] /A 284 0 R For Individual Investor Accounts, these terms are contained in the Margin Lending Program Client Agreement. There is always the potential of losing money when you invest in securities. /OpenAction 10 0 R >> /Subtype /Link Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as MLPF&S or Merrill) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (BofA Corp.). :*iSmZkD.t9x0Bx Y|V3"zLXWp X`s%1Eu$c62, qrvHF^;eJOypZn}:Bi!* mJBMd;cB>klD32lo&"Z*N#z8"Ex"F. << /P 279 0 R All accrued finance charges on the Term Advance will be due and payable upon the earlier of (a)demand, or (b) monthly . /A 297 0 R You are invited to apply for a Home Equity Line of Credit (HELOC). There is always the potential of losing money when you invest in securities. >> /O /Layout 15 0 obj A Term Advance must be for at least $100,000 and will have a specific interest rate set for a term of 12 months or more that is called the Term Period. To enroll in the Bank of America Preferred Rewards program you must have an active, eligible personal checking account with Bank of America and maintain the balance required for one of the balance tiers in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). /Lang Borrow with floating interest rates, based upon the Merrill Base Lending Rate (plus a spread), total relationship size, and amount borrowed. << endobj No reviews yet . /Type /Annot null null 118 0 R 119 0 R null 120 0 R 121 0 R null 122 0 R null Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. 2 0 obj endobj endobj >> /Type /OCG endobj endobj about 630 shares of BAC (bank of america) stock that i was granted in 2007, finally vested in 2011. /Intent [/View /Design] 35 0 obj Take advantage of pricing based on your overall relationship. >> /S /TH 14 0 obj << /Rotate 0 /ExtGState << 0000015597 00000 n Banking, mortgage and home equity products offered by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. >> /Rotate 0 1 0 obj Available nationwide, Merrill Preferred Deposit account is offering 4.50% APY on your funds with a minimum opening deposit of $100,000. /Border [0 0 0] I recently used a Merrill Lynch LMA to buy a place. Margin Account Application. /StructParents 11 Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. 0000004180 00000 n 1 Merrill does not provide tax advice. /O /Layout 0 19 0 obj endobj /S /TH 17 0 obj endobj /Rect [178.775 50.897 197.365 60.6626] /A 290 0 R << 30 0 obj 0000016245 00000 n /P 294 0 R /ID (5rXzBkHwmUul24RQfGc9CA) /W 0 /O /Layout Merrill Preferred Deposit ACH Capabilities and Limits. 0000032155 00000 n /Metadata 3 0 R /StructTreeRoot 4 0 R While an extension of time to meet margin requirements may be available to you under certain conditions, you do not have a right to the extension. Strategic borrowing and thoughtful use of credit can help you increase the power of your wealth to pursue your goals. 19 0 obj The commissions plus interest charges could equal or exceed any appreciation in your securities. 172 0 R 36 0 R 30 0 R 32 0 R 173 0 R 174 0 R 175 0 R 176 0 R 177 0 R 178 0 R Father, husband, self-directed investor, financial freedom enthusiast, and perpetual learner. >> /W 0 He stated we could use options to insure our stock value but didnt go into detail on that. /O /Layout >> 23 0 obj /Pa6 << As a Merrill client, you can purchase CDs through Merrill Lynch, Pierce, Fenner & Smith Incorporated (Merrill) from various banks, including Bank of America, N.A. >> Sorry, I have lots of them: If we go for a 100% fiance via this LMA do we need to move our money from our current brokerage (etrade) to ML or do we just sign a contract that they can take the stocks from us if needed? Do we lose the house and stocks or just stocks? /MarkInfo << There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. /StartIndent 27.0 Trust, fiduciary and investment management services, including assets managed by the Specialty Asset Management team, are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (BofA Corp.), and its agents. /acircumflex /atilde /adieresis /aring /ae /ccedilla /egrave /eacute /ecircumflex /edieresis 0000007676 00000 n /DropCap /Figure /O /Layout null 152 0 R 153 0 R null 154 0 R null 155 0 R null 156 0 R 157 0 R 0000032985 00000 n /K 8 0 R >> 0000094181 00000 n /A 176 0 R may demand full repayment at any time. /StartIndent 9.0 Merrill Lynch Loan Management Account Agreement filed by CombiMatrix Corp on May 14th, 2008 Because the securities or other assets are collateral for the margin loan, we have the right to decide which securities or other assets to sell in order to protect our interests. Dont want to sell assets or deplete cash reserves to fund your investment goals. /odieresis /divide /oslash /ugrave /uacute /ucircumflex /udieresis /yacute /thorn /ydieresis] and . Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. >> /Contents [22 0 R 23 0 R 24 0 R 25 0 R 26 0 R 27 0 R 28 0 R 29 0 R] >> endobj >> /A 183 0 R If the equity in your account falls below the maintenance margin requirements or Merrills higher house requirements, we can sell the securities or other assets in any of your accounts held by us to cover the margin deficiency. /Marked true endobj endobj endobj The Bank may demand full or partial repayment at any time and any commitment may be immediately terminated. endstream /Type /Border << << Securities-based financing involves special risks. endobj Past performance does not guarantee future results. /Type /Pages Save Money By Splitting Doses of Frontline Plus Flea Medication - Up to 90% Savings! $((HtTDo0g7A2rD 4$ [$tOo$O/)(FlZRKS3fq]kLh\lav:IC[^ d6Zp K?QYYFyx+H!poPN% Iwlav}X+BAX\aOteR8E^2=ZsO]~&f=x, Fr98F4utb*JR$:Zbnfg( 0000069376 00000 n opinions. /LineHeight 8.0 >> personalized financial advice, and does not recommend the purchase or sale of /T1_1 56 0 R Margin loans are used to cover transactions in a margin account when there isnt sufficient cash and money account balances for the transaction. >> /Pa10 << 133 0 R] /EmbeddedFiles 18 0 R 37 0 obj /ParentTreeNextKey 104 A complete description of the loan terms can be found within the LMA agreement. /InlineShape /Figure /PageUIDList << 4.87% APY. /A 181 0 R /P 282 0 R endobj Whatever your goals, Merrill and Bank of America offer a wide range of solutions to help you get there. >> Past performance does not guarantee future results. /DocumentID O5Gp#:C&;fX in any brokerage account with Merrill Lynch. /NumberofPages 1 The Margin Lending Program (margin) provides an extension of credit based on eligible securities used as collateral from your qualified Merrill accounts. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. << /GS0 52 0 R /PieceInfo << 156 0 R null 158 0 R 159 0 R 160 0 R null 161 0 R null 162 0 R 163 0 R /Pa3 << /LastModified /Subtype /Link 10 0 obj *see current rates here. << Banking products are provided by Bank of America, N.A. Investing involves risk. /S /S There is always the potential of losing money when you invest in securities. >> << /S /Note /StructParent 88 Creative solutions for your personal and business needs. The LMA account requires a brokerage account at Merrill Lynch, Pierce, Fenner & Smith Incorporated and sufficient eligible collateral to support a minimum credit facility size of $100,000. Monitoring your portfolio, especially during fluctuating, volatile market conditions, to anticipate a potential decline in value. /K 239 0 R /S /Note /Chart /Figure /ArtBox [0.0 0.0 603.0 774.0] x}KF=E {k C7 $|CO`,Vf9* z["iAwss{NGw7~O?~_o0Cvw(:j3\9RP|:|r\c~8]\2OaU.-8l)0Y3.ZW,!3X"k+8]f\D#UK+cb\bjZ,x?}/to~ OS>N 99.6% correlation with 1M LIBOR . This is not the case. You can click the "Return to Merrill; button now to return to the previous page, or you can close the new window after you leave. ] /Strikeout /Span Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. /O /Layout /LineHeight 10.0 0000067397 00000 n Securities-based financing involves special risks and is not for everyone. /BleedBox [0.0 0.0 603.0 774.0] Net Worth around 4.2M + 150-200k after sale of house. MLPF&S is a registered broker-dealer,registered investment adviser,Member SIPCand a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. 0000013503 00000 n /Rect [53.2498 223.691 141.469 233.457] /A 281 0 R You are not entitled to choose which securities in the collateral account are liquidated or sold. If your account has a Visa card and/or checks, you may also create a margin debit if your withdrawals (by Visa card, checks, preauthorized debits, funds transfer service (FTS) or other transfers) exceed the sum of any available free credit balances plus available money account balances (such as bank deposit balances or money market funds). You can use the LMA account as a convenient way to pursuea variety of personal and business financing needs, including: An LMA account is a secured line of credit that uses your eligible securities, such as stocks and bonds, as collateral. /Rect [53.2498 233.457 141.2 249.223] >> Access to a wide range of investment solutions from Merrill and banking products from Bank of America. << >> /Suspects false By clicking continue, you will be taken to a website that is not affiliated with Merrill and may offer a different privacy policy and level of security. /Adieresis /Aring /AE /Ccedilla /Egrave /Eacute /Ecircumflex /Edieresis /Igrave /Iacute >> Talk to your Merrill advisor to see if Margin can help you tap into the value of your investments and support your larger financial strategy. /S /TH /MediaBox [0.0 0.0 612.0 792.0] /Type /StructTreeRoot 0000094306 00000 n /K [47 0 R 48 0 R 49 0 R 50 0 R 51 0 R 52 0 R 53 0 R 54 0 R 55 0 R 56 0 R >> /brokenbar 168 /dieresis /copyright /ordfeminine 172 /logicalnot /.notdef /registered /macron /W 0 Margin Interest Rates. /StructParent 10 Account fees: 5 out of 5 stars. Financial advice we got: We talked to a Merrill Lynch finance guy yesterday. A decline in the value of securities that are purchased on margin may require you to provide additional funds to use to avoid the forced sale of those securities or other securities or assets in your account(s). You will have to call them to get margin rates information. endobj 0000003120 00000 n /0 212 The Bank can change its collateral maintenance requirement at any time without notice to you. /Subtype /Type1 /RoleMap 28 0 R endobj << 26 0 obj Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. 9 0 obj /C /Pa3 These rates are valid for self-directed retail . /Length 0 Interest rates and yields Yield information on money market mutual funds and any deposits held at the Merrill Lynch Affiliated Banks is included on your Merrill Lynch account statement. /Pa8 << /S /TH /Rect [56.8499 303.761 118.24 319.527] /S /S /Fm0 59 0 R >> /O /Layout /Border [0 0 0] /Artifact /P >> /LineHeight 10.0 Hi! /SpaceBefore 18.0 Owner. << 138 0 R 63 0 R 64 0 R 65 0 R 66 0 R null 139 0 R null 140 0 R 141 0 R WCMA. /Name /Helv 162 0 R 163 0 R 164 0 R 165 0 R 166 0 R 167 0 R 168 0 R 169 0 R 170 0 R 171 0 R << Please be aware that: Before opening a margin account, you should carefully review the terms governing margin loans. /SpaceAfter 9.0 endobj >> /LineHeight 8.0 You can click the "Return to Merrill; button now to return to the previous page, or you can close the new window after you leave. /A 289 0 R >> << /K [256 0 R 257 0 R] Solutions tohelp you pursue a variety of savings goals. It is important that you fully understand the risks involved in using margin. >> 15 124 0 R 16 130 0 R 17 134 0 R 18 144 0 R 19 151 0 R endobj He wants us to stay in the mark, sell as little stock as needed and avoid paying as much tax as we can. 0000000016 00000 n For more information about these services and their differences, speak with your Merrill financial advisor. All applications for LMA accounts are subject to approval by Bank of America, N.A. An extension of credit based on eligible securities youpledge as collateral from qualified Merrill brokerage accounts. 0000003471 00000 n Bachelor's Degree. Securities-based financing involves special risks and is not for everyone. null null 142 0 R null 143 0 R null null 144 0 R 145 0 R null Your Merrill Lynch account statement indicates where your cash balances are currently held, deposited or invested, as well as recent yield information. << /Name (Layer 1) << endobj /Rect [56.8499 142.832 139.744 158.598] /SpaceBefore 9.0 /RBGroups [] /Resources << This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. I used cash to make my offer more attractive, but ultimately I wanted to take advantage of low rates, so I got the mortgage (30yr @ 2.5%). /A5 << Borrowing against a portfolio of less-volatile securities, such as government bonds or blue-chip stocks. /LineHeight 8.0 7 0 obj /SpaceBefore 10.0 Enables borrowers to calculate interest accruals at day one of the interest period Price = BSBY + client spread Independently reviewed IOSCO compliant , index approved by S&P. 2016. /First 22 0 R Is the LMA a fixed interest rate or variable? /P 26 0 R We also are planning to retire around 50-55year old. 87 0 R null 88 0 R 89 0 R null 90 0 R null 91 0 R null 92 0 R /Count 18 MLPF&S is a registered broker-dealer,registered investment adviser,Member SIPCand a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. FINRA Sanctions Against the Firm Underline the Dangers of Leverage-Backed Lines of Credit and Margin Risk . /Usage 20 0 R Have questions for your financial advisors? /Filter /FlateDecode endobj Your default cash sweep interest rate is the one for "Merrill Lynch Bank Deposit Program - Tier 1 . Investing involves risk. /BS << /StructParent 8 /Type /Pages >> You can use a LMA account as a cost-effective way to meet a variety of short- and long-term personal and/or business financing needs. << Answer some questions and we'll suggest a couple of advisors best suited to your needs. /A 278 0 R This material does not take into account a clients particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer, or solicitation for the purchase or sale of any security or investment strategy. We can force the sale of securities or other assets in your account(s). 22 0 obj 21 0 obj Equal Housing Lender. /Metadata 2 0 R Investment, insurance and annuity products: Then we can provide you with relevant answers. >> /Type /Annot /GS1 53 0 R >> Use eligible investments in your Merrill brokerage account as collateral for multiple loan from Bank of America. /StructParents 0 /O /Layout /Type /Outlines >> >> /Subtype /Link U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation. Some restrictions on the use of LMA account proceeds may apply under the terms of the loan documents and applicable laws and regulations. For example, Betterment's cash management account, Betterment Cash Reserve, has a 4.35% APY**, whereas the average national interest rate on savings products is 0.39% APY. /O /Layout The account minimum is zero (0$) The negative of Merrill Lynch account. You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. 27 0 obj The securities or other assets in any collateral account may be sold to meet a collateral call without notice to the client, the client is not entitled to an extension of time on the collateral call and the client is not entitled to choose which securities or other assets will be sold. Our financial advisors are committed to putting your investing needs and priorities first. 122 0 R 123 0 R 124 0 R 125 0 R 126 0 R 127 0 R 128 0 R 129 0 R 130 0 R 131 0 R /P 279 0 R Solutions for what matters most. $250,000+. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as MLPF&S or Merrill) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (BofA Corp.). /C /Pa3 132 0 R 133 0 R 134 0 R 135 0 R 136 0 R 137 0 R 138 0 R 139 0 R 140 0 R 141 0 R /Font << Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. /florin /fraction /guilsinglleft /guilsinglright /minus /perthousand /quotedblbase /quotedblleft /quotedblright /quoteleft Merrill is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on other websites. endstream It is important to understand the differences, particularly when determining which service or services to select. >> /O /Layout >> /O /Layout (YT4qKTQuOUCThVIS6w-5CQ) 39 0 R (qcjKsBZ_m0izlbalVhEfRQ) 40 0 R (zDS1U1Dmok-LPIntoqJb9g) 41 0 R] Margin is not appropriate for all investors. /D << /TextIndent -9.0 Debit Balance. /Rect [182.112 147.558 197.615 138.262] ] /BS << This material does not take into account a clients particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer, or solicitation for the purchase or sale of any security or investment strategy. << 17 0 obj /A 292 0 R /Font << endobj This Regulation Best Interest Disclosure Statement (Disclosure Statement) provides . 0000004295 00000 n 10 103 0 R 11 [null 107 0 R null 108 0 R null 109 0 R null 110 0 R null null /TextIndent -10.0 800.637.7455. www.ml.com. >> As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals. The LMA account is a full-recourse loan and you will be liable for any deficiency. Additional information is available in ourClient Relationship Summary. /S /S %PDF-1.6 There is always the potential of losing money when you invest in securities. This can happen for a securities trade, through check writing or Visa debit card purchases, or Bill Pay transactions. 92 0 R 93 0 R 94 0 R 95 0 R 96 0 R 97 0 R 98 0 R 99 0 R 100 0 R 101 0 R 42 0 obj Is this LMA thing crazy or a good idea? << I am rather simple minded when it comes to finances but reading up on this subject it sounds like it's a Pledged Asset loan.His thoughts make it sound like we can get a LMA for around 2.5% or less, we do not need to pay back on a set schedule, we can keep our money in stock and continue to have it grow/dividend. Additional information is available in ourClient Relationship Summary. /Length 1660 Additional information is available in ourClient Relationship Summary. When you purchase securities, you may pay for the securities in full, or if your account has been established as a margin account with the Margin Lending Program, you may borrow part of the purchase price from Merrill, thereby leveraging your investment. /XObject << You can access your credit in the form of both fixed rate and variable rate loans. This Fact Sheet sets forth certain of the investment considerations relating to the purchase of a CD. /S /S endobj Get timely insights on what's happening with the markets & global economy to help you stay on track. This is not a commitment to lend. >> /W 0 /O /Layout /Intent [/View /Design] Borrowing less than the maximum amount allowable against your securities. endobj 0000003517 00000 n /StructParent 7 /K 232 0 R 5 86 0 R 6 94 0 R 7 94 0 R 8 96 0 R 9 96 0 R 240 0 R 241 0 R 242 0 R 243 0 R 244 0 R 245 0 R 246 0 R 247 0 R 248 0 R 249 0 R /K 244 0 R This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. /A 283 0 R /ParentTree 9 0 R /Lang (en) /Name (D) /Pa9 << APY Rate. 12 0 obj The highest rate is 1.06% with a $10 million cash balance (not $10 million in account value). /S /GoTo endobj For more information about these services and their differences, speak with your Merrill financial advisor. 103 0 R 104 0 R 105 0 R 106 0 R] /P 291 0 R /ID (YT4qKTQuOUCThVIS6w-5CQ) /Parent 3 0 R You are not entitled to an extension of time to satisfy the Banks collateral maintenance requirement. How do you plan to keep your investment approach intact if an unexpected need arises? /ID (1z5iCHn8_Ei1o4N-F68ucQ) 0000032447 00000 n /ID (Cvo190tZT06b95QBF81TWw) /Fields [] /T1_2 57 0 R information about the scope and terms of the brokerage services that Merrill Lynch, 3 0 obj /Type /Encoding MAP4912528-01132024. Credit and collateral are subject to approval. We are planning to move to Seattle from Atlanta in the next 3ish months. 1 71 0 R 2 71 0 R 3 72 0 R 4 78 0 R Brokered CDs can be traded on the secondary . Rather than getting a 30year mortgage he was talking about a [Loan Management Account (LMA)] (https://www.ml.com/solutions/lma-account.html). Please refer to your account documents for more information. /Nums [86 [72 0 R 73 0 R 74 0 R 75 0 R 76 0 R 77 0 R 78 0 R 79 0 R 80 0 R 81 0 R Answer some questions and we'll suggest a couple of advisors best suited to your needs. Investment, insurance and annuity products: Then we can provide you with relevant answers. 38 0 obj /Type /Annot 0000018918 00000 n /ID (T6ilJfqchU-HY-3u-uxNsQ) 94 [199 0 R 200 0 R 201 0 R 202 0 R 203 0 R 204 0 R 205 0 R 206 0 R 207 0 R 208 0 R g-Y;-=8Cfdy-ff'@& wSs{Iauh -4Rkxo. 0000014734 00000 n /Type /Annot Disclaimer: ACM MEDIA LLC provides reviews of services based on our personal /A 280 0 R Banking products are provided by Bank of America, N.A. /Rect [56.8499 448.135 121.533 463.901] endobj >> >> 71 0 R null null null 72 0 R 73 0 R null 74 0 R 75 0 R 76 0 R /S /TH /A10 << >> /K [254 0 R 255 0 R] On November 30, 2016, the Financial Industry Regulatory Authority (FINRA) announced that it had fined Merrill Lynch, Pierce, Fenner & Smith Inc. $6.25 million and ordered the firm to pay approximately $780,000 in restitution for inadequately supervising its customers' use of leverage in their Merrill brokerage . %%EOF >> >> endobj tI:nr,F6FMON1uq%hOb~s& Le%~))G*me$y7I'$e>9GQ/Gcu q- Mdd--f6vNtG"_1@3hvZ|$l#YcW2MTTiT{:R_J7H@ci{XNIyR )y}/lM$jK[\n$m8 Kr[rW4zhD)=\}xERj A2+NvE0MW'jbYGVlkf. 21 0 obj 20 0 obj >> /TT1 34 0 R >> The Loan Management Account (LMA account) is a demand line of credit provided by Bank of America, N.A., Member FDIC. 82 0 R 83 0 R 84 0 R 85 0 R 86 0 R 87 0 R 88 0 R 89 0 R 90 0 R 91 0 R >> Programs, rates, terms and conditions are subject to change without notice. 10 0 obj endobj This is extremely low given the current interest rate environment. /O /Layout << << >> 0000026227 00000 n 0000032524 00000 n There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. /Subtype /Link 0000032078 00000 n /Pa4 << For us, success is about helping you reach your goals, not a number. /BS << /LineHeight 14.0 You can click the "Return to Merrill; button now to return to the previous page, or you can close the new window after you leave. A demand line of credit from Bank of America, N.A. >> endobj J.P. Morgan Chase offers the industry's highest rate of trailer /Differences [24 /breve /caron /circumflex /dotaccent /hungarumlaut /ogonek /ring /tilde 39 33 0 obj >> If the securities in your margin account decline in value, so does the value of the collateral supporting your loan, and, as a result, we can take action, such as to issue a margin call and/or sell securities in any of your accounts held with us, in order to maintain the required equity in your account. /Subtype /XML /Type /Border You are not entitled to an extension of time on a margin call. /A 295 0 R >> /StructParent 9 /C /Pa3 call 855.332.5920. /S /S /Subtype /Type1 /H /N You should consult your legal and/or tax advisors before making any financial decisions. /OCProperties << -!X@!IQ \1u^G 0000012908 00000 n /A 299 0 R 82 0 R 83 0 R 84 0 R 85 0 R 86 0 R 87 0 R 87 0 R 189 0 R 88 0 R 89 0 R Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets. >> /LineHeight 10.0 /Pa18 << /IDTree 19 0 R >> /Intent [/View /Design] Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Consult your tax advisor for tax advice about margin interest deductibility. /OriginalDocumentID /Subtype /XML For more information about these services and their differences, speak with your Merrill financial advisor. % It may also make you eligible to earn higher interest rates by putting you in a higher asset tier. Uncovering opportunities. The Loan Management Account (LMA account) is a demand line of credit provided by Bank of America, N.A., Member FDIC. /Parent 23 0 R A basic savings account offering tiered interest and relationship-based monthly maintenance feewaivers. 18 0 obj /P 298 0 R /P 26 0 R /Pa21 << There may be adverse tax or other consequences to you if securities are sold or otherwise liquidated by the Bank. endobj /K 247 0 R t%\)p.OxKwLr}(cdFNDH1:X}x|BY-46CrYJv8b)T#,?a.
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