Cash Management & Lending

With cash strategies provided by Raymond James and lending solutions provided through Raymond James Bank, you can enjoy all of the features and convenience you're used to, with the personal service of someone you trust and who truly understands your life needs and financial objectives. The comprehensive suite of cash management and lending solutions available can address both your short-term and long-term needs to ensure you have the flexibility to fulfill your financial goals.

• Consult on liquidity, safety and return of various cash strategies
• Capital Access for flexibility of managing expenses and paying bills
• Institutional money markets
• Securities backed lending including Margin accounts through Raymond James of Securities Based Lending through Raymond James Bank
• Structured Lending for uniquely qualified clients
• Residential Lending for all 50 states whether jumbo, conventional, fixed rate or adjustable rate mortgages
• Other lending solutions for commercial real estate, aircraft, collectibles, and corporate needs

A Securities B ased Line of Credit (SBLC) or Margin account may not be suitable for all clients and investors. The proceeds from an SBLC cannot be used to purchase or carry margin securities. Raymond James Bank does not accept RJF stock as pledged securities towards an SBLC. Borrowing on an SBLC or Margin account using securities as collateral may involve a h igh degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. An investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the Collateral or Margin Calls (Calls) and the firm can sell the client's securities without contacting them. Clients and investors are not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Call. The firm can increase its maintenance requirements at any time and is not required to provide advance written notice. Clients and investors are not entitled to an extension of time on Calls. Increased interest rates could also affect LIBOR rates that apply to your SBLC or Margin account causing the cost of the credit line to increase significantly. The interest rates charged for an SBLC are determined by the market value of pledged assets and the net value of the client's Capital Access account. The interest rates charged on Margin loans are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information. Securities Based Line of Credit provided by Raymond James Bank, N.A. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A., a federally chartered national bank.

Raymond James Associates, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs. Mortgage Services provided exclusively by Raymond James Bank, N.A.