The amount available for withdrawal of funds by check, VISA card access or otherwise. It is the total of any free credit balances (cash), the available value of the Money Accounts and, if your account was opened with the Investor CreditLineSM service, the loan value of your eligible securities, subject to the Merrill Lynch Investor CreditLine service requirements. This amount does not reflect any checks written or Visa transactions made that have not cleared as of the stated Close of Business date.