Merrill lynch cash sweep rates - Maintain total combined balances of $25,000 or more in cash balances in your Merrill Edge self-directed account(s): Bank Deposit Accounts sweep option with your Cash Management Account (CMA) or Retirement Assets Savings Program (RASP) sweep with your IRA

 
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Apr 18, 2024 · Low commission rates start at $0 for U.S. listed stocks & ETFs*. Margin loan rates from 5.83% to 6.83%. ... bill pay and automatic cash sweep. ... Merrill Lynch services span all types of ... A lot of these pay a similar interest rate and need $100k for minimum investment, but it looks like you can sell the next day and keep a minimal amount but would need $1000 additional investment. ... Bank of America Corp.'s Merrill Lynch brokerage unit will no longer sweep its customers' cash into money-market mutual funds, moving it ...June 5, 2020. Merrill Lynch has defeated a putative class action lawsuit from a client who claimed it failed to make proper disclosures about cash sweeps from Merrill Edge brokerage accounts into ...check, electronically distribute it into your Merrill Lynch Cash Management Account ... At a rate of 10% At a rate of _____% (must be greater than 10%) At $_____ (dollar amount must be greater than 10% of the total distribution value) 5 Part 6: Signature Authorization I hereby authorize Merrill Lynch to effect distributions from the Merrill ...AN new court claims ensure the interested rates payments on Murray Edge retirement accounts have lagged market trends the fallen short of aforementioned "reasonable" rates they your to furnish. Suit Says Retirement Account Sweep Rates Unreasonable | National Association of Plan Advisors / Client Relationship Summary Effective March 20, 2023For additional information, see the Sweep Program Guide for Merrill clients and page 4. As of 4/25/2024 Bank Deposits available through Merrill Accounts Annual Percentage Yield Merrill Lynch Bank Deposit Program --- Tier 1 (<$250,000) 0.01% Merrill Lynch Bank Deposit Program --- Tier 2 ($250,000 to <$1M) 0.01%For example, as market interest rates rose beginning in March 2022 and into 2023, Merrill paid tier 1 and 2 retirement account customers (those customers with less than $1 million of assets under management) only 0.01% APY (annual percentage yield) interest on their swept cash, which is equivalent to $1 of interest on $10,000 in cash per year ...This is a bit schwierig, instead most of my cash shows up at quarterly dividends. Current rate page. You capacity always check current interest rates by scrolling to the bottom of whatsoever Merrill Edge page both clicking on the blue link "Deposit Account & Money Fund Rates". Right now it links to this PDF. Default cash sweep.Aug 28, 2019 · Merrill Sued for “Paltry” Sweep-account Interest Rates. A woman who last year had more than $1 million of cash in three Merrill Edge accounts earning 0.14% and a Bank of America checking ... An automatic sweep for your cash balance. The following sweep options offer convenience and liquidity: • The Merrill Lynch Bank Deposit Program. 6 offers Federal Deposit …Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit our Pricing page. ** Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal.Below the graph is a graph key showing that dark blue bars represent a "4% pre-tax contribution rate" and that the lighter blue bars represent a "5% pre-tax contribution rate" based on a "$40,000 salary." Earnings with 20 years of growth are "$61,451" for a 4% pre-tax contribution rate, and "$76,699" for a 5% pre-tax contribution rate.RASP Rates. "At a time when interest rates generally were increasing in conjunction with increases to the Federal Funds rate, Merrill kept RASP interest rates unreasonably low," according to the suit. "For example, RASP rates ended 2022 at 0.01% (tier 1), 0.01% (tier 2), 0.30% (tier 3), and 1.06% (tier 4), and did not rise at all in 2023.".Feb 9, 2023 · Default cash sweep. Your default cash sweep interest rate is the one for “Merrill Lynch Bank Deposit Program – Tier 1 ($250,000)". As of 2/7/23, it is a sad 0.01% APY. This is a FDIC-insured cash sweep. The bad news is that you can’t change it to automatically sweep to anything else right now. Mar 22, 2024 ... Cash balances swept to a bank deposit account of our Bank Affiliates under the Cash Sweep Program will bear a rate of interest that has been.A small business credit card is a great solution for business owners looking to manage cash flow, organize expenses and reconcile all employee spending. ... Anytime, Anywhere is a trademark and MERRILL+, Merrill Lynch Wealth Management, Merrill Lynch Cash Management Account, CMA, the Bull symbol, Beyond Rewards and Bank of America are ...Merrill Lynch accepted the fine and agreed to pay $415 million in addition to admitting wrongdoing to settle charges the firm misused customer cash to generate profits for itself. The firm will ...Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.Object moved to here.The Merrill Cash Management Account® (CMA Account) combines convenient cash management and brokerage investing capabilities in a single account.With a traditional IRA, contributions may be tax-deductible and the assets have the potential to grow tax-deferred. 1 However, the assets may be subject to ordinary income tax when distributed. With a Roth IRA, contributions are made with after-tax dollars and are not tax-deductible. 2 Distributions from Roth IRAs are free of federal taxes and ...Merrill Lynch & Co., formally Merrill Lynch, Pierce, Fenner & Smith Incorporated, was a publicly-traded American investment bank that existed independently from 1914 until January 2009 before being acquired by Bank of America and rolled into BofA Securities. The firm engaged in prime brokerage and broker-dealer activities and was headquartered in New York City, occupying the entire 34 stories ...Cash management accounts and brokerage accounts serve different purposes. The earnings from brokerage accounts vary depending on stock market performance, but overall they have the potential to ...However, the firm increases its own revenue by keeping a percentage of the "swept" cash. Brokers like Schwab, Merrill Lynch and TD Ameritrade (among others) will often rely on cash sweep ...Merrill reports that 99.14% of orders are executed at better than the quoted price and the average execution speed is 0.006 seconds. Merrill also reports $16.40 in average savings on market orders ...Mar 14, 2003 ... ... Merrill Lynch Money ... negatively impacted by the change in the cash sweep options for certain CMA® and other types of Merrill Lynch accounts.Merrill Lynch Cash Management Merrill Lynch is owned by Bank of America, which means investment customers get a lot of banking tools. ... too. By default, Merrill uses an FDIC-sweep program that moves uninvested cash into Bank of America. If the debit cards and checkbooks from Bank of America aren't sufficient for any reason, a brokerage ...Home Financing Solutions from. Bank of America. Whether you are planning to acquire a home or special asset, considering an investment opportunity, developing a strategy to pass on your wealth, or simply managing everyday cash requirements, your Merrill advisor and a Bank of America lending specialist can help you find the right mortgage ...Learn everything you need to know about oil tank sweeps to protect your property. Our guide covers the process, benefits and what to expect. Get started now. Expert Advice On Impro...and Merrill Lynch can use these funds in our business. You have the right to receive, in the normal course of business, your free credit balance, subject to any obligations you may owe in your Merrill Lynch accounts. Automatic cash sweep options The deposit of checks, the sale of securities and other activity generate cash balances in your ...take advantage of a bank sweep solution. International Cash Management Account® (ICMA) ... Merrill Lynch Bank and Trust Company (Cayman) Limited. Educational Savings Accounts : 529 Plans : Section 529 Plans : An account type designed to provide a tax-advantaged way to invest for qualified primary, secondary or higherOne of the few cash management accounts with ATM access and a debit card, but it carries a hefty annual fee. The Merrill Cash Management account (CMA) offers a lot of perks, including checkwriting privileges, travel accident and fraud insurance and up to $200 in out-of-network ATM fee reimbursements a year. But there’s an annual fee of …Understanding the differences between FDIC and SIPC coverage is key for Merrill Edge accounts. SIPC protects your investments including securities and cash up to $500,000, with a $250,000 limit on cash. A money market fund, being a security, is covered up to the full $500,000. FDIC coverage, on the other hand, only protects cash held in …Exactly 30 years ago, Merrill Lynch launched the first CMA (Cash Management Account). The revolutionary new product combined an investment account, …Merrill Lynch Bank of America lending rate. Toggle navigation. OFFERS; Merrill Lynch Margin Rates (2024) Current Merrill Edge margin account rates: interest fees charged on margin loan. ... An investment account at Merrill Edge that's opened as a cash account can add margin at a later date. This is really simple to do.During that time, McCrary, who lives in St. Clair Shores, Michigan, had about $500,000 sitting in cash in her Merrill IRA, from where it was "swept" into a Bank of America account paying a 0.01% ...In addition, the Merrill Lynch Affiliated Banks determine the interest rate paid to depositors in the cash sweep program. The deposits will bear a rate of ...Balances include 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). You can satisfy the combined balance requirement for enrollment with either: a three-month combined average daily balance in your ...On March 11, 2022, Wolf Popper LLP filed a motion for class certification on behalf of persons who maintained Merrill Lynch, Pierce, Fenner & Smith Incorporated on-line retirement brokerage accounts, and whose cash balances were swept by Merrill to low-yielding deposit accounts controlled by its affiliate, Bank of America, N.A.Although you generally have up to five years to repay loans from your 401 (k) plan account, leaving your job (or losing it) before the loans are repaid may mean you have to pay the money back in full quickly. The amount that still needs to be repaid is now considered a distribution. You may be subject to federal and state income taxes, as well ...Global Liquidity Management - Concentrate cash and move funds across borders. Our award-winning, proprietary Global Liquidity Management solution is a comprehensive set of liquidity solutions that provide you with the control and visibility required to handle your business' complex cash-flow challenges. Hosted on a single digital platform ...the Sweep Program, check writing, Visa debit card and ACH. "Checks" means checks provided by Merrill Lynch for use with the CMA Account. "CMA Account" means a Cash Management Account established for you, which is either a cash account or, if you elect, a margin account. "CMA Master Financial Service" means theFor example, as market interest rates rose beginning in March 2022 and into 2023, Merrill paid tier 1 and 2 retirement account customers (those customers with less than $1 million of assets under management) only 0.01% APY (annual percentage yield) interest on their swept cash, which is equivalent to $1 of interest on $10,000 in cash per year ...Betterment says: "*Current promotional rate; annual percentage yield (variable) is 5.50% as of 4/2/24, plus a .50% boost available as a special offer with qualifying deposit.Terms apply; if the ...For more information on rolling over your IRA, 401 (k), 403 (b) or SEP IRA, visit our rollover page or call a Merrill rollover specialist at 888.637.3343. You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or ...The Pattern Day Trading (PTD) Rule applies at Merrill Edge. According to FINRA rules, you are a day trader if you execute at least four day trades within five business days. Pattern Day Traders have to maintain a minimum account balance of $25,000 in their margin accounts. This allows them to engage in unlimited day trading.Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp. Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp.In fact, it is not uncommon for cash in a brokerage account to earn 0.01% APY — meaning that $10,000 in brokerage cash would earn approximately $1 per year. Some firms offer a higher interest ...Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit our Pricing page. 1 Offer valid for new individual Merrill IRAs or Cash Management Accounts (CMAs). Cash bonus offers, in the aggregate, are limited to one CMA and one ...Vio Bank Cornerstone Money Market Account: Best for Money Market Account, 5.30% APY. Sallie Mae Money Market Account: Best for Money Market Account, 4.65% APY. Ally Bank Money Market Account: Best ...2023 Merrill Margin cash sweep account rates (FDIC hill, CMA, CMATF). Merrill Lynch money market store interest rates. Cash Sweep at Maerril Edge Supposing you have an fee account with Merrill Brink, you must several options for uninvested cash. Here’s everything you need to know:Merrill Lynch & Co., formally Merrill Lynch, Pierce, Fenner & Smith Incorporated, was a publicly-traded American investment bank that existed independently from 1914 until January 2009 before being acquired by Bank of America and rolled into BofA Securities. The firm engaged in prime brokerage and broker-dealer activities and was headquartered in New York City, occupying the entire 34 stories ...Fact checked by. Timothy Li. Money market accounts are considered a liquid way to save money, meaning you can quickly access your funds to use for other purposes. Aside from a checking account ...Confusing platform and limited options. I keep cash in a separate high yield checking account (2%) and Chase (which allows you to purchase Vanguard's VMMXX for no fee). An alternative is to use Merrill's brokered CDs, which have decent rates. But it's a hassle to have to rollover to a new CD and they're not as liquid as MMFs.RASP Rates. "At a time when interest rates generally were increasing in conjunction with increases to the Federal Funds rate, Merrill kept RASP interest rates unreasonably low," according to the suit. "For example, RASP rates ended 2022 at 0.01% (tier 1), 0.01% (tier 2), 0.30% (tier 3), and 1.06% (tier 4), and did not rise at all in 2023.".Merrill Lynch Business Deposit Program --- Tier 4 (>=$10M) 1.06% Preferred Deposit for Business®2, 3 4.92% 1$1,000 minimum opening deposit. 2$100,000 minimum opening deposit. 3This is a non-sweep product - an order must be entered for all transactions (deposits and withdrawals). Please contact your representative for additional information ...choices and moderate cash management services Subaccounts Not available Can link them to one full-service WCMA and use them to designate funds for special purposes FDIC coverage Up to $500,000 via two financial institutions Available in secondary options, not automatic sweep options (Insured Savings Account, Merrill LynchThe interest rates for HYSAs can offer an APY of 10 to 20 times higher at rates of 4% to 5% or higher(1) vs the national average savings account rate of 0.46%(2), according to the Federal Deposit Insurance Corporation (FDIC) as of Oct. 16, 2023. ... and have been around since the 1970's when Merrill Lynch introduced cash management accounts ...Understanding your cash sweep options - Merrill Lynch - Login. 1 The following information is being provided so that you can review your cash sweep option(s) with your Merrill Lynch financial advisor ( financial advisor ) or a Merrill Edge representative. Included is an overview of cash sweep options and how they work, explanations of …Finally, the Merrill Lynch cash management account only provides $250,000 of FDIC insurance. While this is standard for regular banks, it is low compared to what many robo-advisor cash management ...or dividends. If your account is enrolled in a Merrill Lynch investment advisory program (except for the Merrill Lynch Personal Advisor [MLPA] program) and you choose the No Sweep option, you should understand that Merrill Lynch will continue to charge an asset-based advisory fee on the cashSep 6, 2023 ... However, Schwab has the worst default cash sweep option for cash sweep amongst the “Big ...Take our Retirement Readiness Quiz. Get actionable next steps for your long-term goals with our quick quiz. Merrill Lynch Wealth Management has the financial advisors and expertise to help you achieve your goals at any stage of your life or career.For additional information, see the Sweep Program Guide for Merrill clients and page 4. As of 4/25/2024 Bank Deposits available through Merrill Accounts Annual Percentage Yield Merrill Lynch Bank Deposit Program --- Tier 1 (<$250,000) 0.01% Merrill Lynch Bank Deposit Program --- Tier 2 ($250,000 to <$1M) 0.01%Starting Sept. 4, Bank of America Corp.’s Merrill Lynch brokerage unit will no longer sweep its customers’ cash into money-market mutual funds, moving it instead into deposits at affiliated banks.I found it clunky and am using fidelity. I have one brokered CD at Merrill that will be done in 2 weeks and I'm totally out of there. Reply. oarmash. •. 75% credit card rewards booster for me. I get baseline of 2.625% cash back, 3.5% for groceries/Costco, and 5.25% on online shopping, dining, and gas.Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation. This credit card program is issued and administered by FIA Card Services, N.A.To create this list, Forbes Advisor analyzed 10 cash management accounts offered by robo-advisors, online investment firms and mobile trading apps. We ranked each account on 15 data points within ...7-day Current Yield. 7-day Effective Yield. * Allspring Government Money Market Fund - Sweep Class 1, 2. 4.86%. 4.98%. Goldman Sachs Financial Square Government Fund 2, 3. 5.20%. 5.34%. * The money market mutual funds offered in the cash sweep program include those with which an affiliate of Wells Fargo Advisors retains an ownership interest ...Re: Bank of America/Merrill Edge - Preferred Rewards. by anon_investor » Tue Feb 07, 2023 4:09 am. T-Fund invests at least 99.5% of its total assets in cash, U.S. Treasury bills, notes and other obligations issued or guaranteed as to principal and interest by the U.S. Treasury, and repurchase agreements secured by such obligations or cash. …When you link your personal bank checking account to your brokerage account (like at Vanguard, Fidelity, Schwab), the cash you deposit automatically gets converted to shares of money market mutual funds (like VMFXX, Vanguard's default). These settlement funds are also known as sweep funds. $1 cash deposit = 1 share of settlement fund.Free essays, homework help, flashcards, research papers, book reports, term papers, history, science, politicsAssets in money market funds have hit all-time record levels four weeks in a row, according to cranedata.com. Investors poured a net $152.7 billion into money market funds in May. That put money ...Cash management accounts and brokerage accounts serve different purposes. The earnings from brokerage accounts vary depending on stock market performance, but overall they have the potential to ...Earn up to 4.2% on USD at Merrill Edge. Earning interest on uninvested cash in a brokerage account is a useful, low-risk way to preserve the value of your money. However, there can be significant differences among brokers when it comes to interest: some don't pay anything, while some brokers pay higher rates than banks.Merrill Lynch, Pierce, Fenner & Smith Incorporated. One Bryant Park. New York, NY 10036. 800.637.7455. ... all Merrill account types have the same cash sweep option. Merrill offers both brokerage and investment advisory services to help you meet your investment needs and preferences. You can decide to enroll yourFor more information on rolling over your IRA, 401 (k), 403 (b) or SEP IRA, visit our rollover page or call a Merrill rollover specialist at 888.637.3343. You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or ...Fact checked by. Timothy Li. Money market accounts are considered a liquid way to save money, meaning you can quickly access your funds to use for other purposes. Aside from a checking account ...2023 Merrill Margin cash sweep account rates (FDIC hill, CMA, CMATF). Merrill Lynch money market store interest rates. Cash Sweep at Maerril Edge Supposing you have an fee account with Merrill Brink, you must several options for uninvested cash. Here's everything you need to know:Saving money is an important financial goal for many individuals, and finding a savings account with the highest interest rates can significantly accelerate your ability to grow yo...An automatic sweep for your cash balance. The following sweep options offer convenience and liquidity: • The Merrill Lynch Bank Deposit Program. 6 offers Federal Deposit Insurance Corporation (FDIC) protection, up to standard limits. • If you're not a resident and not a citizen of the U.S., you may have access to either the Merrill Lynch ...2024 Merrill Edge fees schedule, commissions, broker stock trading cost, charges, online investing account pricing, cash sweep rates. Toggle navigation. OFFERS; Merrill Edge Fees, Brokerage Account Commissions (2024) ... Merrill Lynch is known for its expert personalized service to high net worth and ultra high net worth clients, with the ...

Wealthfront is best known as a robo-advisor, but its cash management account is a formidable feature in its own right. It offers many of the most popular features: interest on balances, fee-free .... Huckabee commercial

merrill lynch cash sweep rates

With the Cash Management Account® (CMA® account) from Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or Merrill), you can manage your long-term investments and day-to-day finances.Pershing. Lowest yield tier: As of April 20, Pershing's two cash sweep programs paid respective yields of up to 2.32 and 2.53%. For indirect clients using Pershing through one of the clearing and ...Merrill Edge Self-Directed was awarded No. 1 for Bank Brokerage and received an overall rating of 4.5 out of 4.5 stars from StockBrokers.com. Evaluated as one of 17 online brokers in StockBrokers.com 2024 Online Broker Review published on January 23, 2024. This award recognizes the broker that the editorial team believes provides the best value and experience for intermediate-level U.S. retail ...Default cash sweep. Your default cash sweep interest rate your the ne forward "Merrill Lynch Bank Payment Program - Tier 1 ($250,000)". Like of 2/7/23, it is a sad 0.01% APY. This is a FDIC-insured liquid sweep. The bad featured is that you can't change it to automatically sweep to anything else right immediately.Dealing with money in a foreign country can seem complicated, especially since not all currencies are valued equally. There’s no central governing body that decides on a currency’s...Learn everything you need to know about oil tank sweeps to protect your property. Our guide covers the process, benefits and what to expect. Get started now. Expert Advice On Impro...Apr 18, 2024 · Low commission rates start at $0 for U.S. listed stocks & ETFs*. Margin loan rates from 5.83% to 6.83%. ... bill pay and automatic cash sweep. ... Merrill Lynch services span all types of ... 27% in October, while the Crane Brokerage Cash Index, which includes money fund options as well, declined from 3. 50% to 3. 36%. Smith Barney reduced its rates to tie Merrill Lynch for the lowest rates on a $ 100K balance among all major brokerages, 1. 05%, while the highest- yielding sweep rate, Raymond James, declined from 4. 52% to 4. 32%Are you tired of paying high electricity bills every month? Are you looking for ways to lower your energy costs? One of the most effective ways to save money on your electric bill ...The SEC's order finds that Merrill Lynch violated the books and records provisions of Section 17(a) of the Securities Exchange Act of 1934 and Rule 17a-8 thereunder and that BACNAH caused those violations. Without admitting or denying the SEC's findings, Merrill Lynch and BACNAH agreed to cease and desist from committing or causing ...With the Merle Lynch Bank Deposit Program, yourself can take advantage about an automatic cash sweep feature, quotidian liquidity, and FDIC safeguard. ... With the Merrill Linching Deposit Deposit Program, you can take advantage of an auto cash sweep feature, daily liquidness, additionally FDIC protection. Cancel Up Content 3.1.2.For additional information, see the Sweep Program Guide for Merrill clients and page 4. As of 5/1/2024 Bank Deposits available through Merrill Accounts Annual Percentage Yield Merrill Lynch Bank Deposit Program --- Tier 1 (<$250,000) 0.01% Merrill Lynch Bank Deposit Program --- Tier 2 ($250,000 to <$1M) 0.01%Exactly 30 years ago, Merrill Lynch launched the first CMA (Cash Management Account). The revolutionary new product combined an investment account, …Merrill Lynch Bank of America lending rate. Toggle navigation. OFFERS; Merrill Lynch Margin Rates (2024) Current Merrill Edge margin account rates: interest fees charged on margin loan. ... An investment account at Merrill Edge that's opened as a cash account can add margin at a later date. This is really simple to do. Clients enrolled in Preferred Rewards receive a Preferred Rewards discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Exactly 30 years ago, Merrill Lynch launched the first CMA (Cash Management Account). The revolutionary new product combined an investment account, a transaction account (that pays interest on ...June 5, 2020. Merrill Lynch has defeated a putative class action lawsuit from a client who claimed it failed to make proper disclosures about cash sweeps from Merrill Edge brokerage accounts into ...2023 Merrill Margin cash sweep account rates (FDIC hill, CMA, CMATF). Merrill Lynch money market store interest rates. Cash Sweep at Maerril Edge Supposing you have an fee account with Merrill Brink, you must several options for uninvested cash. Here’s everything you need to know:The deposit of checks, the sale of securities and other activity will periodically generate cash in your Merrill Lynch account. Typically, this cash is "swept" to bank accounts with Bank of America, N.A., and Bank of America California, N.A. (the "Merrill Lynch Affiliated Banks"), under the Merrill Lynch Bank Deposit Program (the ....

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