Bank of America Private Bank clients qualify to enroll in the Diamond tier, and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill, and Private Bank balances. /K 8 0 R /SpaceAfter 3.0 . /SpaceAfter 4.0 R**u @"$7)|=>ebD~*T7S:hnQn~wWwWwWw? 6 0 obj /P 279 0 R endobj /K 239 0 R >> >> /A 288 0 R Access to a wide range of investment solutions from Merrill and banking products from Bank of America. 0000094306 00000 n /EmbeddedFiles 18 0 R >> /LineHeight 10.0 . Take advantage of pricing based on your overall relationship. /LineHeight 10.0 22 0 obj Merrill Edge gets high marks when it comes to account fees: There are no partial transfer, annual or inactivity fees for brokerage accounts. /P 26 0 R 17 0 obj 0000009122 00000 n /SpaceAfter 3.0 >> Securities-based financing involves special risks and is not for everyone. >> endobj >> /C /Pa3 endobj /ViewerPreferences << ACM MEDIA LLC publishes content for educational purposes only, does not offer Copyright 2009-2023 ACM MEDIA LLC. /Type /Border Answer some questions and we'll suggest a couple of advisors best suited to your needs. /LineHeight 8.0 36 0 obj 0000018918 00000 n Past performance does not guarantee future results. 16 0 obj /T1_1 56 0 R Publication of the 1-month and 6-month synthetic GBP LIBOR settings will cease after March 31, 2023, while publication of 3-month synthetic GBP LIBOR setting will cease after March 31, 2024. /Resources << This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. an account enrolled in the Merrill Lynch Investment Advisory Program (" Investment Advisory Account ") or a Merrill account that is not enrolled in the Merrill Lynch Investment Advisory Program . /Length 0 /W 0 It is important to understand the differences, particularly when determining which service or services to select. The Loan Management Account (LMA account) is a demand line of credit provided by Bank of America, N.A., Member FDIC. /Type /Border 0000026227 00000 n 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. 96 [173 0 R 174 0 R 175 0 R 176 0 R 177 0 R 178 0 R 258 0 R 259 0 R 260 0 R 261 0 R 9 0 obj >> >> /C /Pa3 41 0 obj /Usage 20 0 R New York, NY 10036. /Name (US Consumer Privacy Notice) and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. /Intent [/View /Design] endobj /A 183 0 R /A 297 0 R 21 0 obj /SpaceBefore 9.0 /Icircumflex /Idieresis /Eth /Ntilde /Ograve /Oacute /Ocircumflex /Otilde /Odieresis /multiply /Annots [11 0 R 12 0 R 13 0 R 14 0 R 15 0 R 16 0 R 17 0 R 18 0 R 19 0 R 20 0 R Investment, insurance and annuity products: Then we can provide you with relevant answers. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. You must have a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. /OriginalDocumentID >> /TextBox /Art << finder.com's rating: 2.8 / 5.0. /Type /Border Connect with to continue the conversation. 19 0 obj >> /MediaBox [0.0 0.0 603.0 774.0] For specific margin rates and our latest offers, please call us at 888.637.3343. /Contents [43 0 R 44 0 R 45 0 R 46 0 R 47 0 R 48 0 R 49 0 R 50 0 R] /A 286 0 R endobj U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation. /Filter /FlateDecode %PDF-1.6 % and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. 169 0 R 170 0 R 169 0 R null 171 0 R 172 0 R 173 0 R] endobj I'm Jonathan and I've been sharing my discoveries about money since 2004. 0000016245 00000 n >> /Filter /FlateDecode << /Pa18 << Get up to $700 when you fund a J.P. Morgan Self-Directed Investing account. /Usage 20 0 R endobj 179 0 R 180 0 R 181 0 R 182 0 R 183 0 R 184 0 R 185 0 R 186 0 R 187 0 R 188 0 R] 15 124 0 R 16 130 0 R 17 134 0 R 18 144 0 R 19 151 0 R Access to a wide range of investment solutions from Merrill and banking products from Bank of America. 0000032985 00000 n /Parent 3 0 R >> /LineHeight 8.0 EmHHziS60ivUKf?x8YQ$.VGEEP?`):MD,s.Ayr*N>,4cjim h"O! !XK#FDg0a]pV}*G yYi!#\E*6>UMA A$Mieog[XIXih][9(45-Tn=FpLtqPD#l{TZ^b"0`KMlfXW|L(V3]'+1Q O&\T}nn7\6U9|G1/JD 5zw YP8[D|# pU'4&4mwff(M1Y5$C p>~~:tG5;:GK>L0D7S'S>Fj}difkPb?+%[Sd#mg4f6Ijg0&>I`s _]nj}Ir!n/Xrtcq2ADa~uIr@-VU9I%pE$+ Y]CTKD;r0d| /P 296 0 R /S /S Further details are discussed below. Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. /Subtype /Type1 /Subtype /Link >> /Count 18 /S /S WCMA. /BS << /StructParent 4 /LineHeight 10.0 /O /Layout Home costs are pretty high and we are looking at a home price around 1.5M. << /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 International Securities Based Lending Account (ISBL) 44 years old, married two kids 10 and 6years old. No set repayment schedule if you maintain the required level of equity in your account. https://www.ml.com/solutions/lma-account.html, https://www.investopedia.com/terms/p/pledgedasset.asp. 0000003471 00000 n /TextIndent -5.0 Bachelor's Degree. /H /I 10 103 0 R 11 [null 107 0 R null 108 0 R null 109 0 R null 110 0 R null null /A6 << /InDesign << /TextIndent -13.0 For us, success is about helping you reach your goals, not a number. /S /S /P 294 0 R 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. You can access your credit in the form of both fixed rate and variable rate loans. This can happen for a securities trade, through check writing or Visa debit card purchases, or Bill Pay transactions. O5Gp#:C&;fX /Type /Border >> /DropCap /Figure In each overdraft statement cycle, Finance Charges are figured by applying a daily periodic rate of .049315% (18% /W 0 Equal Opportunity Lender. >> (c) Overdraft. Monitoring your portfolio, especially during fluctuating, volatile market conditions, to anticipate a potential decline in value. /Type /Metadata The client can lose more funds than deposited in such collateral account. Is this the same as a ["Pledged Asset"] (https://www.investopedia.com/terms/p/pledgedasset.asp), if not how does it differ? >> Bank of America Private Bank is a division of Bank of America, N.A. /A1 << 0000001323 00000 n Click to share on Facebook (Opens in new window), Click to share on Twitter (Opens in new window), Click to share on Pocket (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to share on Reddit (Opens in new window), Click to share on Pinterest (Opens in new window), Click to share on Tumblr (Opens in new window), https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf, Merrill Edge + Preferred Rewards = Up to $1,000 New Deposit/Transfer Bonus, Improved Credit Card Rewards, Tiicker: Shareholder Perks: New $100 Amazon GC Offer, Completed Sample IRS Form 709 Gift Tax Return for 529 Superfunding / Front-Loading, Amazon: Pay with Discover Card Points, Get $10 off $50 or 30%/$40 Off (Targeted), 5% Cash Back Cards: Amazon, Lowe's, Restaurants, Wholesale Clubs, Gas - April through June 2023. >> HWmoVp>UvEm[UI /MC0 6 0 R 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. >> Please refer to your account documents for more information. 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. endobj ML controlled money for years belonging to my kids that was left by their mother who died of colon . /CS0 [/ICCBased 51 0 R] /Bibliography /BibEntry 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. 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. >> /TextAlign /Center about 630 shares of BAC (bank of america) stock that i was granted in 2007, finally vested in 2011. /DR << LMA loans charge interest, and may be subject to fees and other charges, all as set forth in the LMA agreement and documents. 112 0 R 113 0 R 114 0 R 115 0 R 116 0 R 117 0 R 118 0 R 119 0 R 120 0 R 121 0 R /ProcSet [/PDF /Text] Bank of America Private Bank is a division of Bank of America, N.A. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. >> 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. >> /SpaceAfter 9.0 /O /Layout You must have a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 . /BS << MAP4912528-01132024. >> All accrued finance charges on the Term Advance will be due and payable upon the earlier of (a)demand, or (b) monthly . This is extremely low given the current interest rate environment. << stream The Loan Management Account (LMA account) is a demand line of credit provided by Bank of America, N.A., Member FDIC. << /O /Layout << You are invited to apply for a Home Equity Line of Credit (HELOC). 142 0 R 143 0 R 144 0 R 145 0 R 146 0 R 147 0 R 148 0 R 149 0 R 150 0 R 151 0 R /Subtype /Link null null 164 0 R 165 0 R 166 0 R null 167 0 R null 168 0 R null Banking products are provided by Bank of America, N.A. endobj 250 0 R 251 0 R 169 0 R 170 0 R 171 0 R 172 0 R 252 0 R 253 0 R 254 0 R 255 0 R Online options spreads are limited to two legs. >> /Last 62 0 R Solutions tohelp you pursue a variety of savings goals. >> /LineHeight 10.0 39 0 obj /Type /Catalog /A 289 0 R 2 0 obj endobj You can lose more funds than are held in the collateral account. << /LineHeight 10.0 /Pa22 << . >> He also mentioned taking a long against our 401k and using the sale of our house to pay down the house price (I agree with this). /Type /Border 0000021569 00000 n The LMA account requires a Merrill account and sufficient eligible collateral to support a minimum credit facility size of $100,000. 3,815. about 630 shares of BAC (bank of america) stock that i was. /SpaceAfter 4.0 /Name (D) /XObject << 20 157 0 R 21 170 0 R] any investment. /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 endobj /Border [0 0 0] /PageLayout /OneColumn Interest expenses associated with your Margin borrowing may be tax-deductible, up to net investment income earned in the account. /P 287 0 R /Type /Pages 103 0 R 104 0 R 105 0 R 106 0 R] << 23 0 obj << /Type /Annot /Tabs /S Heres how you can get started with an advisor: Clients should contact their Merrill financial advisor for a personalized version. 5 86 0 R 6 94 0 R 7 94 0 R 8 96 0 R 9 96 0 R 116 0 R 117 0 R 118 0 R 119 0 R 120 0 R 121 0 R 122 0 R 123 0 R] HWYoF~B(."!uV#KYR',rwfl[Mwpr2:| >?1tF < Get timely insights on what's happening with the markets & global economy to help you stay on track. /Marked true 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. /Contents 46 0 R 0000033367 00000 n >> 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. 35 0 obj /StartIndent 27.0 /A8 << /Rect [0.0 792.0 0.0 792.0] endobj Bank of America, N.A.("the Bank") can force the sale or other liquidation of any securities or other investment property in the collateral account and, unless otherwise required by law, can do so without first contacting you. /Usage 20 0 R information about the scope and terms of the brokerage services that Merrill Lynch, 0000093939 00000 n This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. /S /S This is not the case. These risks include the following: Carefully choosing the quality of your investments you borrow against and the amount you borrow can help reduce the likelihood of a maintenance call. /StructParents 11 << 21 0 R] 22 0 obj /Superscript /Span may demand full repayment at any time. Primary investment is Apple stock valued around 3.3-3.4M. endobj ii. /S /Note >> 42 0 obj /S /Document << Margin interest rates are determined by a few factors, including the base lending rate (which resets weekly), your debit balance and your overall relationship with Bank of America and Merrill . 5 0 obj 151 0 R 152 0 R 153 0 R 154 0 R 155 0 R 156 0 R] stream Do we lose the house and stocks or just stocks? /TextIndent -10.0 /Rect [53.2498 223.691 141.469 233.457] 32 0 obj Use these tools and calculators to track your cash and retirement savings and to manage your investments. >> Get timely insights on what's happening with the markets & global economy to help you stay on track. Lacks future options or cryptocurrency trading. >> /O /Layout null 93 0 R null null 94 0 R null null 95 0 R 96 0 R null 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 /ID (SMVzWBbYQEyv6Y8Uc5E7xQ) 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. >> /Kids [67 0 R 68 0 R 69 0 R 70 0 R 71 0 R] endobj /P 291 0 R Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets. /BaseFont /Helvetica We can force the sale of securities or other assets in your account(s). endobj /Annots [36 0 R 37 0 R 38 0 R 39 0 R 40 0 R 41 0 R 42 0 R 43 0 R 44 0 R 45 0 R] /H /I /O /Layout The Loan Management Account(LMAaccount) offered through Bank of America is a flexible line of credit that can be used for almost any purpose. endobj 0000032078 00000 n The commissions plus interest charges could equal or exceed any appreciation in your securities. 0000094181 00000 n /TextIndent -15.0 Loan Management Account (LMA account). /Pa17 << 0000066900 00000 n 95 [165 0 R 166 0 R 167 0 R 216 0 R 217 0 R 218 0 R 219 0 R 220 0 R 221 0 R 222 0 R << >> /StructParents 86 (YT4qKTQuOUCThVIS6w-5CQ) 39 0 R (qcjKsBZ_m0izlbalVhEfRQ) 40 0 R (zDS1U1Dmok-LPIntoqJb9g) 41 0 R] 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. /SpaceAfter 2.0 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.). /Group 30 0 R 13 0 obj null 77 0 R null null 78 0 R 79 0 R null 80 0 R 81 0 R null All our advisors are committed to putting your needs and priorities first. Financial advice we got: We talked to a Merrill Lynch finance guy yesterday. << John of Aberdeen, OH Verified Reviewer. >> Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. A complete description of the loan terms can be found within the LMA account agreement. You should consult your legal and/or tax advisors before making any financial decisions. YC%~)cpKuwHkp1!4bVQc[!7U~U +A?x0RM4{>77OF5ef)Wqjm('V\A$IegEBP,@.60O :PVE\xpSq@Govb!f,Tl JqFYo^*^^BlC2b" 223 0 R 224 0 R 224 0 R 225 0 R 226 0 R 227 0 R 228 0 R 229 0 R 230 0 R 231 0 R Borrowing on margin and using securities as collateral involve certain risks. /S /TH endobj /ID (FbBoOIB1aUeU-9YtpzOypg) Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. %%EOF /Strikeout /Span /S /S Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. 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. Borrowing less than the maximum amount allowable against your securities. 0000015597 00000 n /StartIndent 25.0 /O /Layout 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. 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. /CropBox [0.0 0.0 612.0 792.0] 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. /O /Layout Default cash sweep. >> /O /Layout /LineHeight 10.0 << 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 /Length 0 /Type /Page Investment, insurance and annuity products: Then we can provide you with relevant answers. << 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 /Diagram /Figure endobj When considering a securities-based loan, consideration should be given to individual requirements, portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. >> >> << 0000014451 00000 n /S /TH Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, . /Pa12 << /LineHeight 8.0 1 71 0 R 2 71 0 R 3 72 0 R 4 78 0 R /BS << /DisplayDocTitle true /GS1 53 0 R %PDF-1.6 /BS << /Subscript /Span opinions. 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 92 [141 0 R 142 0 R 143 0 R 144 0 R 145 0 R 146 0 R 147 0 R 148 0 R 149 0 R 150 0 R >> /ID (OK7nydjdCUato9gtgGrldw) He wants us to stay in the mark, sell as little stock as needed and avoid paying as much tax as we can. 28 0 obj /S /S Posted on December 7, 2016. << >> 38 0 obj May continue to take some small contract/freelance work here and there but dont want to depend on it. >> /Type /StructTreeRoot /Type /Annot /Border [0 0 0] We put you first, every day. >> /Border [0 0 0] Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets. endobj /Border [0 0 0] /StructParent 8 /Count 17 There is always the potential of losing money when you invest in securities. >> /Intent [/View /Design] /MarkInfo << << 156 0 R null 158 0 R 159 0 R 160 0 R null 161 0 R null 162 0 R 163 0 R /K 217 0 R 2 0 obj /Outline /Span U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation. /ID (-3iqb6ZERkSf-Hc_vzJcOw) /H /N /Border [0 0 0] /O /Layout 11 0 obj /Parent 23 0 R Borrow with floating interest rates, based upon the Merrill Base Lending Rate (plus a spread), total relationship size, and amount borrowed. 0000004180 00000 n Past performance does not guarantee future results. /BaselineShift 2.664 >> Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Depending on your financial circumstances, needs, and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over a 401 (k . /ParentTreeNextKey 104 37 0 obj There is always the potential of losing money when you invest in securities. You are not entitled to an extension of time on a margin call. /K 247 0 R Whatever your goals, Merrill and Bank of America offer a wide range of solutions to help you get there. may change its collateral maintenance requirements at any time. There are no fees to establish, no minimum balance nor annual fee, so you can access funds as you need to, generally within one day of approval. >> Understand your choices. /Name /ZaDb /W 0 /Pa4 << /S /Note I am worried about a 2021 market/housing crash and being in the LMA. 0000011660 00000 n /Border [0 0 0] 4.50% APY. Is the minimum value (loanAmount + 20% 15% 40%) and if it dips under that they need more funds? /Type /Pages /Font << All rights are reserved. /S /TH If you have any questions or concerns about margin and the margin lending program, please contact the Merrill Investment Center at 855.332.5920. /StartIndent 21.0 /Subtype /Link 0000094056 00000 n Talk to your advisor about integrating these products. << /Subtype /Link If you choose to borrow funds for your purchase, Merrills collateral for the loan will be the securities purchased, other assets in your margin account, and your assets in any other accounts at Merrill other than retirement accounts (such as IRAs). Is this LMA thing crazy or a good idea? /quotesingle 96 /grave 128 /bullet /dagger /daggerdbl /ellipsis /emdash /endash >> We also are planning to retire around 50-55year old. /Pa6 << >> /OpenAction 10 0 R /O /Layout endobj /C /Pa3 111 0 R 112 0 R null 113 0 R 114 0 R 115 0 R null 116 0 R 117 0 R null /Subtype /XML /Im0 35 0 R endobj 33 0 obj << Investing involves risk. Brokerage Account(" "). /TextDecorationType /Underline Owner. /ExtGState << For all other accounts, the terms are in your account agreement and disclosures. While an extension of time to meet margin requirements may be available to you under certain conditions, you don't have a right to the extension. 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. J.P. Morgan Chase offers the industry's highest rate of 102 0 R 103 0 R 104 0 R 105 0 R 106 0 R 107 0 R 108 0 R 109 0 R 110 0 R 111 0 R 0000000016 00000 n Taking that next step forward. /LineHeight 8.0 endobj /Rect [178.775 50.897 197.365 60.6626] Merrill Preferred Deposit ACH Capabilities and Limits. 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 43 0 obj Savings I Bonds May 2023 Inflation Rate: 0.90% Fixed, 4.30% Total Composite Rates, Bilt Mastercard: Earn Rewards For Paying Rent w/ Any Landlord (May 1st Promo + 1,000 Easy Points), Citi Rewards+ Card Review: 25,000 Bonus Points, 0% Intro APR on Purchases for 15 Months, AllAmerica and Redneck Bank: 4.80% APY Money Market, 5.05% APY Rewards Checking, 5.15% APY CDs, 5.00% APY No-Penalty CDs, 5.05% APY Savings via SaveBetter, The iShares 0-3 Month Treasury Bond ETF (, The PIMCO Enhanced Short Maturity Active Bond ETF (. 88 189 0 R 89 [106 0 R 107 0 R 108 0 R 109 0 R 110 0 R 111 0 R 112 0 R 113 0 R 114 0 R 115 0 R /Type /Annot Merrill Lynch Direct Deposit Program 0.01% Merrill Lynch Direct Deposit Program --- Tier 64 1.06% Merrill Lynch Business Deposit Program --- Tier 3 ($1M to <$10M) 0.30% Merrill Lynch Business Deposit Program --- Tier 4 (>=$10M) 1.06% Preferred Deposit for Business2, 3 4.50% 1$1,000 minimum opening deposit. /PDFDocEncoding 15 0 R null 67 0 R null 68 0 R null 69 0 R null 70 0 R null null /Helv 16 0 R /W 0 /Type /Border 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. /ParentTree 27 0 R /K [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 /S /S /A 181 0 R /Direction /L2R /Tabs /S ] 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. 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. /BS << 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.). stream Talk to your advisor about how these solutions might fit into your financial strategy. The Bank may demand full or partial repayment at any time and any commitment may be immediately terminated.

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