Investments are subject to investment risk, including market fluctuations, regulatory change, counterparty risk, possible delays in repayment and loss of income and principal invested.  The value of investments can fall as well as rise and you might not get back the amount originally invested at any point in time.  If the value of any investments held as collateral for a loan reduce in value, you may be asked to provide additional assets as collateral or to reduce the amount of the loan. If you are unable to provide additional collateral when requested or to repay the loan at the end of the term, some or all of the assets held as collateral may be sold to reduce or repay the loan.

For details of interest rates paid on uninvested cash balances in investment accounts click here