The following is generally applicable to all electronic messages you receive from Raymond James and its affiliates:

1. Raymond James reserves the right, to the extent required and/or permitted by applicable law, to monitor all electronic communications (including, but not limited to, email, instant message and text); retain such electronic communications in a manner and at locations within Raymond James' discretion; and reproduce such electronic communications to state, federal or other regulatory agencies.
2. In accordance with applicable laws and regulations, Raymond James may record telephone conversations with outside parties. By communicating with Raymond James, you consent to the voice recording of conversations with personnel of Raymond James.
3. It is important that you do not use an electronic communication to request, authorize or effect trade orders or account instructions. Any such requests, orders or instructions that you send will not be accepted and will not be processed by Raymond James or its affiliates.
4. Information may not be secure when transmitted electronically. Raymond James makes no representation or warranty that electronic messages will be confidential. Electronic messages may be intercepted or accessed by unauthorized or unintended parties, may not arrive at the intended destination, or may not arrive in the form transmitted.
5. Electronic communications may be delayed and cannot be guaranteed to be timely, secure or error free. Information provided speaks only as of its date.
6. The data contained in a communication may be obtained from a variety of sources and may be subject to change. Sources used are considered to be reliable however, Raymond James does not guarantee that the material is accurate or a complete statement of all available data necessary for making an investment decision.
7. Unless otherwise noted, electronic messages do not constitute Raymond James research even if they refer to a research or analyst report. Unless otherwise indicated, any views expressed are those of the author alone and may differ from others within Raymond James, including those of Raymond James’s Research Department.
8. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the US are subject to the securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
9. Any links to websites are provided for information purposes only. Raymond James does not endorse, authorize or sponsor the following website or its respective sponsors. Raymond James is not responsible for the content of the website or the collection or use of information regarding the website's users and/or members.
10. Any person or entity endorsed or recommended is not affiliated with Raymond James. These opinions are not necessarily those of Raymond James.
11. Raymond James does not render advice on tax and tax accounting matters. This communication was not intended to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal income tax laws. As federal and state tax rules are subject to frequent changes, you should consult with a qualified tax advisor prior to making any investment decision.
12. For further information on how Raymond James protects your privacy, please see the Raymond James Privacy, Security & Account Protection
13. For all other related disclaimers, please see the Raymond James legal disclaimers
14. To the extent you have received any commercially related marketing communications and do not wish to continue receiving these types of communications, please contact the sender.

Social Media Disclaimers

1. Social media networks are independent organizations and are not affiliated with Raymond James in any way.
2. For Twitter Retweets and Facebook or LinkedIn Shares: Views expressed in these posts are the current opinion of the author, but not necessarily those of Raymond James or your financial advisor. The author’s opinions are subject to change without notice. The information contained was received from sources believed to be reliable, but accuracy is not guaranteed.
3. Any rankings/awards may not be representative of any one client’s experience, is not an endorsement, and is not indicative of advisor’s future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for any award/rating listed.  Raymond James is not affiliated with any third party issuing agency or research company.

RJFS: Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc. and/or the Independent Registered Investment Advisor, or both. Please refer to your advisory services contract and form ADV for more information. Your financial advisor may operate under a separate business entity.  The business entity is independent of Raymond James Financial Services and is not a registered broker/dealer. Raymond James is not affiliated with the financial institution or the investment center. Security products are, not deposits, not FDIC/NCUA or government agency insured, not guaranteed, subject to risk and may lose value.

Raymond James Financial, Inc.
880 Carillon Parkway
St. Petersburg, FL 33716
727-567-1000
800-248-8863