Through Lloyds Asset Management you can purchase precious metals for immediate personal delivery or arrange for convenient storage at an independent bank or depository. If you wish to finance your purchase, you can receive a loan for up to 80 percent of the value of your precious metals from a leading precious metals clearing firm and financing institution. If your purchase is financed, you can take personal delivery at any time without penalty by paying the balance of your loan. Of course, you can also sell your precious metals at any time with a simple phone call to your personal representative.