Private Banking

PRIVATE BANKING

CASH MANAGEMENT & LENDING SOLUTIONS

Steward Partners, Raymond James and Raymond James Bank provide you with flexibility and choice when it comes to managing your daily finances and your borrowing and liquidity needs.

MANAGING DAY-TO-DAY FINANCES WITH CAPITAL ACCESS

We offer an array of services that address both immediate and long-term cash needs quickly and efficiently. Our Capital Access program streamlines and simplifies the daily demands of managing your finances. It links to your Raymond James brokerage accounts so you can keep – and track – all your financial information in one place. This program includes spending tools such as checks, debit cards, online bill pay and daily transfers to and from your accounts.

SECURITIES BASED LENDING 1

In a well-structured portfolio, cash is as important as stocks and bonds. Yet we find many investors do not spend as much time researching their borrowing options as they do their investments. Securities – including stocks, bonds and mutual funds – held at Raymond James may be a source of immediate borrowing power at highly competitive loan rates.

1 The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. A Securities Based Line of Credit may not be suitable for all clients. 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 Collateral Call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s Capital Access account.

Securities Based Line of Credit provided by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. and Raymond James Financial Services, Inc.

KEEPING YOUR CASH WORKING FOR YOU

Putting money to work isn’t just about investing – it’s also about earning interest on money awaiting investment. That’s why Raymond James offers a number of cash management programs that will automatically transfer (or sweep) your cash balance into an interest-bearing account. These programs provide a range of other benefits like convenient transfers to cover trades, competitive interest rates and FDIC insurance for bank deposits or SIPC protection for securities.Your cash balances appear together with your other assets on your Raymond James statement.