IDENTIFYING BANKING SOLUTIONS THAT FIT YOUR LIFE

Jason Abeles has been working with financial advisors to find suitable and affordable borrowing solutions for clients over the past 10 years. He assists and educates financial advisors on the benefits of incorporating liabilities management into their practice. Jason helps Raymond James clients using a variety of tailored borrowing options, including securities based lines of credit1, 2 and mortgages through Raymond James Bank and margin loans1 through Raymond James Financial.

Jason is here to help you secure the rates and terms that fit your needs, as well as to provide solutions to help you face the challenges and opportunities that life presents. He has several years of experience in educating and training others in using debt responsibly and appropriately with respect to an overall financial plan. As a banking consultant with Raymond James Bank, he puts all that knowledge and experience to work in helping you take full advantage of the products and services of Raymond James Bank to enjoy more of what life has to offer.

Raymond James Bank, a wholly owned subsidiary of Raymond James Financial, was chartered in 1994 to augment the firm’s traditional brokerage services. To accomplish that, the bank offers a variety of innovative, versatile financial solutions to meet just about any lending need. Working closely with your financial advisor, Jason can help you compare various loan options to find the solution that not only fits your needs but also fits seamlessly into your overall financial plan.

1 Margin or a Securities Based Line of Credit may not be suitable for all clients. The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client’s securities without contacting them. The interest rates charged for a Securities Based Line of Credit are determined by the market value of pledged assets and the net value of the client’s Capital Access account. The interest rates charged for Margin are determined by the amount borrowed. For additional information on margin, visit http://sec.gov/investor/pubs/margin.htm.

2 Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.

Mortgage services provided exclusively through Raymond James Bank, N.A.

Equal Housing LenderMember FDIC