Sweep Accounts

Earn interest on the cash balance in a Raymond James Bank account, while having those funds available to settle trades in an investment account custodied at Raymond James & Associates, member New York Stock Exchange/SIPC. Funds will sweep to or from a Raymond James Bank account daily to cover purchases or to allow excess cash balances to immediately begin earning interest at a competitive rate. IRA and money market sweep accounts are available with the following features and options:

• Access to your account through Internet Banking
• 24-hour telephone banking with TeleDirect^® (1-888-4RJ-BANK)
• Consolidated brokerage and bank information on one statement
• FDIC insurance on deposits up to $100,000 per depositor ($250,000 per depositor for IRAs and certain other retirement accounts)
• No minimum balance
• No monthly service charge
• Checkwriting available on eligible accounts at no charge*
• Unlimited ATM access; First three ATM withdrawals free of charge ($1.25 each thereafter) on money market sweep account

For more information on any of our accounts and related features, please contact your Financial Advisor or Raymond James Bank at 800-718-BANK (2265).

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*A total of six net withdrawals (net daily transfers from a Raymond James Bank Money Market account and up to three third-party checks or drafts included) are allowed per month. There is no limit on the number of transfers originating between an investment account custodied at Raymond James & Associates and a Raymond James Bank account for investment activity.

Products, terms and conditions subject to change.

Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, FSB, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services 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.

© 2008 Raymond James Bank, FSB. All rights reserved.