A wealth management strategy employs banking and lending solutions to fulfill both personal and business-related goals. The Private Banking and Investment Group bridges Merrill Lynch's liability management capabilities across both our global capital markets and our private client groups. This enables us to deliver highly customized, sophisticated solutions to meet your unique needs, including:

	Residential and commercial real estate financing
	Securities-based lending
	Balance sheet and unsecured financing
	Commercial and corporate finance
	Restricted position credit and lending
	International financing
	Sophisticated deposit and cash management strategies

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To learn more about our Banking and Lending capabilities, contact a specialist at pbig_bankingandlending@ml.com.

Borrowing against securities may not be appropriate for everyone and should be carefully evaluated before being used. If securities decline in value, you may be required to pay down the loan or deposit additional securities as collateral. If you cannot do so, all or a portion of your collateral may be liquidated and the proceeds used to pay down your loan balance. A forced liquidation could also trigger a potential taxable event.