/degree /plusminus /twosuperior /threesuperior /acute /mu 183 /periodcentered /cedilla /onesuperior endobj >> /LineHeight 8.0 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. /A 176 0 R /dotlessi /lslash /oe /scaron /zcaron 160 /Euro 164 /currency 166 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. You can lose more funds than you deposit in the margin account. /ID (YT4qKTQuOUCThVIS6w-5CQ) Top 683 Merrill Lynch Reviews - ConsumerAffairs U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation. /Filter /FlateDecode /Name (Layer 1) >> << may change its collateral maintenance requirements at any time. HWmoVp>UvEm[UI 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. Further details are discussed below. endobj All applications for LMA accounts are subject to approval by 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. >> Investing involves risk. endstream /LineHeight 10.0 /DisplayDocTitle true 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. A general purpose loan must be repaid within five years, or it will be treated as a taxable distribution. PDF Cash Management Solutions - Merrill 0000069014 00000 n 23 0 obj }3rpF@j,7/nr~o/Ob?`K6M[7)eLyzgtJC8ICOerJ_Vp[?ra'7Q PDF Attention Endowment Management Account (EMA account) clients: Your EMA 3 0 obj call 855.332.5920. /Type /Border 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. 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 174 0 R %%EOF ML controlled money for years belonging to my kids that was left by their mother who died of colon . 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. =Exx'~` << /SpaceAfter 4.0 Father, husband, self-directed investor, financial freedom enthusiast, and perpetual learner. 35 0 obj /Type /StructTreeRoot /S /Note /Subtype /Link /StructParent 5 << 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. /Parent 12 0 R /Usage 20 0 R >> This is not a commitment to lend; you must submit additional information for review and approval. /S /S 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. /TextIndent -15.0 endobj /Subtype /Link Posted on December 7, 2016. >> 90 [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 132 0 R For all other accounts, the terms are in your account agreement and disclosures. /P 4 0 R >> 28 0 obj /StructParent 88 /SpaceAfter 2.0 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. << Merrill Edge Review 2023: Pros, Cons and How It Compares /ordmasculine 188 /onequarter /onehalf /threequarters 192 /Agrave /Aacute /Acircumflex /Atilde 0000015317 00000 n >> endobj /BaseFont /ZapfDingbats Account fees: 5 out of 5 stars. /S /Note /K 219 0 R 103 0 R 104 0 R 105 0 R 106 0 R] Get timely insights on what's happening with the markets & global economy to help you stay on track. Is the LMA a fixed interest rate or variable? 19 0 obj 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 3,815. about 630 shares of BAC (bank of america) stock that i was. 22 0 obj /C /Pa3 26 0 obj Borrowing less than the maximum amount allowable against your securities. (c) Overdraft. /W 0 /Pa5 << /BS << /0 212 Brokered CDs can be traded on the secondary . endeavors to anticipate . This accountoffered by Bank of Americafor Wealth Management clients offers tiered interest rates, discounts and waivers on everyday banking services. 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. Your default cash sweep interest rate is the one for "Merrill Lynch Bank Deposit Program - Tier 1 . 9 0 obj /TextDecorationType /Underline A basic savings account offering tiered interest and relationship-based monthly maintenance feewaivers. Log in. The clients had been sold loan management accounts (LMAs), which are lines of credit that allowed the . 0000067546 00000 n We can increase our house maintenance margin requirements at any time and are not required to provide you advance written notice. 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? /Type /StructTreeRoot 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. 11 0 obj >> /Name (D) /Creator (Adobe InDesign 15.1 \(Macintosh\)) >> /Type /Border << You should consult your legal and/or tax advisors before making any financial decisions. /BS << trailer /ExtGState << 4 0 obj /Length 1778 /Type /Border << endobj Investing involves risk. 0000026227 00000 n (i was a merrill lynch employee through read more. /A8 << >> /StartIndent 9.0 endobj << Merrill CD choices. Banking products are provided by Bank of America, N.A. /S /TH in any brokerage account with Merrill Lynch. A complete description of the loan terms can be found within the LMA agreement. /StructParent 10 /A 278 0 R /K 247 0 R /Title <4C6F616E204D616E6167656D656E74204163636F756E74AE2041677265656D656E74> /Type /Metadata 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. /Intent [/View /Design] /Type /Border Get timely insights on what's happening with the markets & global economy to help you stay on track. Owner. Merrill Lynch Affiliated Banks. 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. High options fees as well as margin interest. /Pa10 << >> /A 60 0 R A decline in the value of your collateral assets may require you to provide additional funds or securities to avoid a collateral maintenance call. /Pa13 << 3 0 obj << 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). Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. << endobj /Type /Border 87 [86 0 R 95 0 R 96 0 R 97 0 R 98 0 R 99 0 R 100 0 R 101 0 R 101 0 R 102 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 /ID (qcjKsBZ_m0izlbalVhEfRQ) 0000067298 00000 n $250,000+. Loan Management Account (LMA): Flexible Line of Credit - Merrill Lynch stream startxref 156 0 R null 158 0 R 159 0 R 160 0 R null 161 0 R null 162 0 R 163 0 R %PDF-1.5 Loan Management Account, Merrill Lynch Consults, Merrill Lynch MFA, Merrill Lynch Mutual Fund Advisor, mymerrill.com, Personal Investment Advisory, RCMA, Signature Rewards. You should consult your legal and/or tax advisors before making any financial decisions. /H /I /K 218 0 R /P 13 0 R All securities are subject to credit approval and Bank of America, N.A. >> /A 179 0 R 133 0 R] 5 0 obj /Type /OCG 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. 15 0 obj Securities-based financing involves special risks and is not for everyone. call 855.332.5920. /K 217 0 R /H /N We may be compensated by the businesses we review. /Subtype /Link /Length 1660 /K 232 0 R New York, NY 10036. /Font << endobj /Direction /L2R finder.com's rating: 2.8 / 5.0. Past performance does not guarantee future results. endobj 0000000016 00000 n /BS << Merrill Lynch LMA to buy a house? Im I in over my head or is - Reddit >> /W 0 /O /Layout ] /Pa24 << Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. /LineHeight 14.0 >> /Name (US Consumer Privacy Notice) /H /I /ProcSet [/PDF /Text] Loan Management Account Agreement 11/01/2021. Additional information is available in ourClient Relationship Summary. What are the Cheapest Vegetables Per Pound? Danger, Will Robinson. >> Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets. /BS << Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. 0000002917 00000 n << EMA account(s) determines the interest rate you receive on deposits in the Merrill Lynch Bank Deposit Program. >> /TextIndent -13.0 Get timely insights on what's happening with the markets & global economy to help you stay on track. /TT1 34 0 R Balance Requirement. endobj /ParentTree 9 0 R >> >> 0000003517 00000 n /O /Layout 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. /K 239 0 R << /Pa0 << /S /S /P 291 0 R 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. /SpaceAfter 3.0 0000014451 00000 n Key take- aways . /GS0 31 0 R 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] << Accounts with more than a million dollars in idle cash earn 0.30%, which is still very low. 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. endobj 57 0 R 58 0 R 59 0 R 60 0 R 61 0 R 62 0 R 63 0 R 64 0 R 65 0 R 66 0 R] /A 181 0 R 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 /A 184 0 R Online options spreads are limited to two legs. /Subtype /Link << /Type /Font /LineHeight 10.0 /Type /Page /Usage 20 0 R endobj /CS0 [/ICCBased 51 0 R] /Pa21 << /StructParents 11 /OCProperties << >> 0000033367 00000 n Bank of America Loan Management Account(LMA account), Bank of America Home Equity Line of Credit. Margin Account Application. Is this the same as a ["Pledged Asset"] (https://www.investopedia.com/terms/p/pledgedasset.asp), if not how does it differ? /Type /Annot << 6 0 obj /Subtype /Link /ParentTreeNextKey 22 /Diagram /Figure /Border [0 0 0] >> << 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. /Length 0 >> /H /I /BleedBox [0.0 0.0 603.0 774.0] >> Risk management strategies to consider include: Whether youre defining goals, addressing change or figuring out how to move forward, Merrill and Bank of America offer a wide range of solutions to help you take the next step and stay on track. /ID (SMVzWBbYQEyv6Y8Uc5E7xQ) For fixed-rate advances and term loans, principal payments made in advance of the end of the applicable fixed-rate period, whether voluntarily or involuntarily, (due to demand or liquidation by the Bank,) may be subject to a substantial breakage fee as determined by the Bank. These changes in our policy may take effect immediately and may result in the issuance of a maintenance margin call. >> ii. 5 0 obj /StructParent 3 Whatever your goals, Merrill and Bank of America offer a wide range of solutions to help you get there. /S /TH You can access your credit in the form of both fixed rate and variable rate loans. Original review: Dec. 10, 2022. 0000032078 00000 n This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. /ID (T6ilJfqchU-HY-3u-uxNsQ) null 93 0 R null null 94 0 R null null 95 0 R 96 0 R null All accrued finance charges on the Term Advance will be due and payable upon the earlier of (a)demand, or (b) monthly . /Pa6 << Have questions for your financial advisors? /A 292 0 R /CreatorInfo << You should consult your legal and/or tax advisors before making any financial decisions. << >> >> PDF EMA Access Visa Terms and Conditions - Merrill Lynch 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 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 >> 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. /Strikeout /Span /Name /ZaDb 232 0 R 233 0 R 233 0 R 234 0 R 235 0 R 236 0 R 237 0 R 238 0 R 239 0 R 240 0 R 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 Merrill Edge Brokerage: Best High Interest Rate Options on Cash Sweep >> >> 0000032900 00000 n 25 0 obj 8 0 obj 42 0 obj << UBS Financial Services, Inc. Sued for Florida and Ohio Advisor's /NumberofPages 1 Hi! /A 299 0 R 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. /Type /Border /StructParent 7 /Rect [56.8499 351.499 116.615 367.265] ACM MEDIA LLC publishes content for educational purposes only, does not offer /Artifact /P << Beginning April 1, 2015, EMA accounts will no longer be valued together with . 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. PDF Bloomberg Short Term Bank Yield Index (BSBY) - Merrill Lynch /W 0 /Fields [] /Adieresis /Aring /AE /Ccedilla /Egrave /Eacute /Ecircumflex /Edieresis /Igrave /Iacute Get up to $700 when you fund a J.P. Morgan Self-Directed Investing account. >> >> >> /K 244 0 R /H /I 14 0 obj You can satisfy the combined balance requirement for enrollment with either: i.a three-month combined average daily balance in your qualifying deposit and investment accounts or ii.a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account. 1194 0 obj <>stream The Bank may demand full or partial repayment at any time and any commitment may be immediately terminated. How plan loans work. /Subtype /Type1 Answer some questions and we'll suggest a couple of advisors best suited to your needs. 193 0 R 194 0 R 195 0 R 196 0 R 197 0 R 198 0 R 199 0 R] << You can also obtain current yield and interest rate information by contacting your Merrill Lynch financial advisor or Merrill Edge endobj -!X@!IQ \1u^G /StructParent 8 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. /TextIndent 5.0 /Bibliography /BibEntry /P 279 0 R /TrimBox [0.0 0.0 603.0 774.0] >> /A 290 0 R >> /S /S A flexible, generally lower rateway to access funds from a portion of your available home equity to help pay for the things that are most important to you help meet your personal financing needs. 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). https://www.ml.com/solutions/lma-account.html, https://www.investopedia.com/terms/p/pledgedasset.asp. /MC0 6 0 R endobj << The Loan Management Account (LMA account) is a demand line of credit provided by Bank of America, N.A., Member FDIC. 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. >> He wants us to stay in the mark, sell as little stock as needed and avoid paying as much tax as we can. endobj /SpaceAfter 3.0 >> Additional information is available in ourClient Relationship Summary. I recently used a Merrill Lynch LMA to buy a place. You can lose more funds than are held in the collateral account. Bank of America Private Bank is a division of Bank of America, N.A. 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. 37 0 obj The Merrill Lynch Cash Management Account Review - Best on Reviews /0 603.0 Brokerage Account(" "). If you close an account . and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. 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 /OriginalDocumentID /Metadata 2 0 R /Type /OCG /K 223 0 R /Last 22 0 R For us, success is about helping you reach your goals, not a number. Lacks future options or cryptocurrency trading. One Bryant Park. /Count 5 **See more from Betterment /S /TH /BS << /H /I /Border [0 0 0] Some restrictions may apply to purpose loans and not all managed accounts are eligible as collateral. 87 0 R null 88 0 R 89 0 R null 90 0 R null 91 0 R null 92 0 R The Loan Management Account (LMA account) is a demand line of credit provided by Bank of America, N.A., Member FDIC. << endobj << 0000032985 00000 n /Metadata 3 0 R /ID (DDM_zq-UIkCHmgB-1EGp2w) /Intent [/View /Design] Some investors mistakenly believe that they must be contacted for a margin call to be valid, and that securities or other assets in their accounts cannot be liquidated to meet the call unless they are contacted first. /ID (9d5pthEJs0mnLryxHkzzTw) 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. endobj /Type /Annot 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. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. endobj /PageLayout /OneColumn /Title () 24 0 obj R**u @"$7)|=>ebD~*T7S:hnQn~wWwWwWw? >> 1 Merrill does not provide tax advice. 33 0 obj >> << /A 288 0 R (BANA) that uses securities in eligible Merrill accounts as collateral. << 18 0 obj Margin Loans: Trading on Margin With Your Merrill Account endobj %PDF-1.7 /Type /Annot Even if we have contacted you and provided a specific date by which you can meet a margin call, we can still take necessary steps to protect our financial interests, including immediately selling the securities or other assets without notice to you. /Count 2 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 . 14 0 obj 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. 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. stream 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. /StartIndent 27.0 21 0 obj endobj Bachelor's Degree. The Loan Management Account (LMA account) is a demand line of credit provided by Bank of America, N.A., Member FDIC. For more information about these services and their differences, speak with your Merrill financial advisor. /Border [0 0 0] All securities are subject to credit approval and Bank of America, N.A. No set repayment schedule if you maintain the required level of equity in your account. /Intent [/View /Design] /IDTree 19 0 R /Type /Annot Merrill Edge Margin Interest Rates - brokerage-review.com endobj Margin Lending Program - Merrill Lynch /BS << /GS0 52 0 R 185 0 R 186 0 R 187 0 R 188 0 R] Talk to your advisor about how these solutions might fit into your financial strategy. << Meeting challenges. 0000013821 00000 n >> 0000032524 00000 n >> >> 2 0 obj /Type /Page 4.50% APY. Merrill Edge Investment Tools and Calculators << /Subtype /Link We can force the sale of securities or other assets in your account(s). 0000032155 00000 n /quotesingle 96 /grave 128 /bullet /dagger /daggerdbl /ellipsis /emdash /endash endobj /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. endobj 2 0 obj /H /I /Underline /Span /Tabs /S << /TT1 34 0 R >> the FA stated the SBL account interest rates were lower than conventional mortgage rates, the financial advisers could continue to manage the Claimants' assets in the accounts and earn more than the SBL . Merrill Lynch Slammed by FINRA over Loan Management Account >> ] <> /LineHeight 8.0 116 0 R 117 0 R 118 0 R 119 0 R 120 0 R 121 0 R 122 0 R 123 0 R] >> /S /GoTo /Lang Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. << endobj For details on Bank of America employee qualification requirements, please visit the Employee Financial Services intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to enroll on customized terms. Please visit https://promo.bankofamerica.com/cebi-disclosures.> for details. /Count 5 /Type /Pages 0000033921 00000 n /Type /Annot /Parent 3 0 R endobj >> /acircumflex /atilde /adieresis /aring /ae /ccedilla /egrave /eacute /ecircumflex /edieresis 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. 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. 38 0 obj >> This Regulation Best Interest Disclosure Statement (Disclosure Statement) provides . 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 . >> Credit and collateral are subject to approval. Net Worth around 4.2M + 150-200k after sale of house. /Type /Pages /ParentTreeNextKey 104 16 0 obj /Border [0 0 0] 32 0 obj endobj stream 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. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets. 1. BL/_I9N 69s[Gx3i7tat0_tMLk}[<3 zO[(2YRa'FMC1ax./eeOA|o5='_]9t 2utg@6`:9}8k-~8&7gJeRJ /StructParents 0 /StartIndent 15.0 endobj If the stock value goes from 3.3M to 1.7M and we are required to add funds but dont have any to add what does that look like.