Rates

View the Important Disclosures about the Raymond James Bank Deposit Program

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Rates on this page:

• Client Interest Program^® (CIP)
• Money Market Funds
• Raymond James Bank, RJBDP

Client Interest Program^® (CIP)

To assist our clients in achieving a higher level of freedom and convenience with their investment transactions, the Client Interest Program can be used as a short-term depository for funds awaiting investment. While offering clients an attractive rate of interest on their available funds, CIP provides the assurance of knowing cash is protected up to $100,000 by the Securities Investor Protection Corporation (SIPC) in the event of the firm’s liquidation.

* Effective date: August 26, 2010. Rates subject to change without notice.

The Securities Investor Protection Corporation (SIPC) provides $500,000 of net equity protection, including $100,000 for claims for cash awaiting reinvestment. Please visit www.sipc.org for more information about SIPC coverage.

Raymond James has purchased excess SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by the Lloyd’s trust funds and Lloyd’s Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of customer funds.

Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.

Eagle Class – JPMorgan Money Market Accounts

As another alternative for clients seeking to achieve income on cash balances while protecting principal, we offer the Eagle Class – JPMorgan Prime Money Market Fund and the Eagle Class – JPMorgan Tax Free Money Market Fund, which seeks to achieve income that is exempt from federal income tax. The minimum-required balance to participate in the automatic cash sweep program to these funds is $1,000. Clients with balances less than $50 in their money market accounts may periodically have their balances transferred to non-interest bearing cash positions. If the accounts subsequently reach $1,000 in available cash, the cash will be swept back to the applicable money market funds. The $50 balance transfer and $1,000 minimum policies do not apply to qualified retirement accounts.

An investment in the J.P. Morgan money market funds is neither guaranteed nor insured by the FDIC or any other government agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is possible to lose money by investing in money market funds. Investors should carefully consider the investment objectives, risks, charges and expenses of money market funds before investing. The prospectus contains this and other information about the funds. The prospectus is available from your financial advisor and should be read carefully before investing.

Raymond James Bank, RJBDP

Raymond James Bank* makes it possible to combine banking services with traditional securities and trust services, enabling you to take advantage of a broad range of financial support. All of your assets custodied at Raymond James can appear on one consolidated statement which will detail activity in all accounts each month. View additional Raymond James Bank rates.

Raymond James Bank Deposit Program (RJBDP)

Rates effective August 26, 2010. Rates subject to change without notice.

*A.P.Y. - Annual Percentage Yield (includes daily compounding of interest) - rates should always be quoted as an A.P.Y.

Raymond James Bank deposits are insured by the FDIC up to $250,000 per depositor* ($250,000 for IRAs and certain other retirement accounts).

* Legislation increasing deposit insurance coverage limits from $100,000 per eligible account and account holder to $250,000 took effect October 3, 2008, and is currently set to expire December 31, 2009. IRAs and certain other retirement accounts insured for up to $250,000 prior to this legislation will continue to be insured for that amount after December 31, 2009, barring any further legislative changes. The deposit insurance coverage limits refer to the total of all deposits that an account holder (or account holders) has at each FDIC-insured bank. Visit fdic.gov for more information.

Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, member FDIC, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.