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Any activity involving securities, including borrowing, by definition involves certain risks and may therefore not be suitable for all investors. If the market value of your pledged securities declines below required levels, for example, you may be required to pay down your line of credit, restructure your holdings into more stable securities (which can involve a sale), or commit additional securities or cash in order to maintain your loan. Although both A. B. Nicholas and each ABN lending partner advisor make maximum effort to ensure that acceptably stable, good quality securities are accepted so as to minimize risk to the extent possible, we cannot guarantee any specific outcome of any securities performance.