Exhibit 4.12 PORTFOLIO RESERVE LOAN AND COLLATERAL ACCOUNT AGREEMENT This Agreement establishes the terms and conditions that will govern Borrower's Loan (the "Loan") from Merrill Lynch bank USA. The Loan is secured by a pledge of assets held in a...Portfolio Reserve Loan and Collateral Account Agreement • April 10th, 2001 • Dimensional Visions Inc/ De • Commercial printing • Utah
