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Personal Loans

Personal & Margin Loans

Whether your investment strategy may include investing on margin or you have an immediate need for cash, our personal loans offer a quick and easy way to enhance your borrowing power.

Take Advantage of Our Competitive Rates

As an A.G. Edwards client, you may be eligible to borrow against the value of your assets you hold at A.G. Edwards. Contact your A.G. Edwards Financial Advisor for details.

Amount Borrowed Standard Rates UltraAsset Rates
Less than $9,999 7.50% 7.25%
$10,000 - $24,999 7.25% 7.00%
$25,000 - $49,999 6.75% 6.50%
$50,000 - $74,999 6.25% 6.00%
$75,000 - $99,999 6.00% 5.75%
$100,000 - $249,999 5.75% 5.50%
$250,000 - $499,999 5.50% 5.25%
$500,000 - $999,999 5.25% 5.00%
$1,000,000 - $2,499,999 5.00% 4.75%
$2,500,000 and up 4.75% 4.50%

Note: UltraAsset rates are available only to clients with an UltraAsset Account. The base lending rate is set by A.G. Edwards based on commercially recognized interest rates but will be no more than the higher of the prime rate or the broker call rate. This rate will fluctuate and without prior notice could result in a change to the above interest rates.

Our Personal Loans Provide the Flexibility You Need

Our personal loans can provide the flexibility you can't get with credit cards or traditional loans, including:

• Flexible repayment. You're not locked into minimum monthly payments.
• Easy access to the funds. You can access the cash through your A.G. Edwards Financial Advisor, checks or debit card.
• Loans are based on your assets. Your eligibility is based on the value of your eligible investments at A.G. Edwards, and your interest rate is determined by the amount of your loan as well as your account service level.

What You Need to Know About Personal & Margin Loans

Whether your loan is for personal use or for investing on margin, the securities in your account are used as collateral to support your loan. That means if the securities in your account decline in value, so does the value of the collateral supporting your personal loan. If this happens, we may issue a margin call and/or sell securities or other assets in any of your A.G. Edwards accounts to maintain the required equity in your account.

Before borrowing against your account for investing on margin or personal use, you need to fully understand the risks involved.

• You can lose more funds than you deposit in the margin account.
• A.G. Edwards can force the sale of securities or other assets in your account(s).
• We can sell your securities or other assets without contacting you.
• You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call.
• We can increase our "house" maintenance margin requirements without providing you written advance notice.
• You are not entitled to an extension of time on a margin call.

Contact Your Financial Advisor for More Information

Your Financial Advisor can help you understand the risks involved with personal and margin loans and determine whether borrowing against your account is suitable for your situation, the maximum amount you can borrow and your current interest rate.