With position come the privileges you deserve

The Elite Investment Account offers an unmatched combination of the benefits you deserve and the conveniences you want…investing, financial planning and cash management all in one account:

• Easy access to your funds with your Elite VISA^® Platinum debit card and unlimited check writing
• Electronic payments and deposits (through ACH), plus online bill payment and presentment
• An optional rewards program that earns you points for purchases made with your Elite VISA Platinum debit card
• Comprehensive monthly statements
• An Annual Summary (13th month) Statement
• Quarterly reports of realized gains/losses on securities transactions
• Quarterly performance reporting
• Daily sweeps of uninvested cash into competitive interest-bearing accounts
• Free street name dividend reinvestment
• Income and expense coding
• Daily account information via the Internet with download capability to Microsoft Money^® or Intuit’s Quicken^®
• Personalized deposit tickets and postage-paid envelopes for deposits
• A Personal Investment Portfolio notebook to organize financial papers
• Toll-free access to client service

Access to your money is everything

The Elite VISA Platinum debit card

With the universal acceptance of VISA Platinum, you can pay for purchases and have ATM access to your funds worldwide. Purchase Security, Warranty Manager and Verified by VISA protect your purchases. Auto Rental Insurance, Worldwide Travel Accident and Baggage Delay Insurance, and Emergency Cash and Card Replacement protect you while traveling.

The optional rewards program allows you to earn points for purchases made using your Elite VISA Platinum debit card. Then, reward yourself by redeeming your points for great merchandise, travel and gift certificates.

Check writing and on-line bill payment

Elite offers many convenient ways to handle your finances. Unlimited check writing makes access to your account easy and standard checks are always free. Online bill payment and presentment, free with direct deposit, offers another alternative, allowing you to pay and receive bills electronically.

Personal loans and overdraft protection

The Ready Access Account¹ provides flexible access to your equity. Loans against securities held in your account can be used as a source of cash and/or overdraft protection for Elite check writing and debit card transactions.

1 The Ready Access Account is a margin account, which is not suitable for all clients and has certain risks and restrictions that will be fully disclosed by your financial advisor.

Rewards program

You already enjoy an unmatched combination of convenience and services with your Elite Investment Account. Now, with our rewards program, you’ll also benefit from something you probably do every day – use your Elite VISA^® debit card. Trips to the grocery store, purchasing special gifts and even filling your gas tank earn points toward exciting vacations, high-tech electronics, gift certificates and more. It’s just another way the Elite Investment Account provides the privileges you deserve.

Reward yourself with every purchase

Each dollar you spend earns one rewards point. Of course, the more you use your Elite VISA debit card, the more points you accumulate – and the more quickly you’ll be able to remit them for items from our extensive list.

Choose from hundreds of first-class rewards

Reward selection categories include:

• Travel and leisure
• Adventure and fitness
• Electronics and entertainment
• Home and living
• Workshop and garden
• Indulgences
• Family fun
• Gift certificates

Start rewarding yourself today

For more information, please contact your financial advisor or Elite Client Services at 800-759-9797. You can register for the Elite Investment Account Rewards Program by simply completing the attached postage-paid enrollment form and mailing it to the Elite Investment Account Department. Your purchases will begin earning points upon enrollment.

You’ll receive a colorful catalog that contains photographs and detailed descriptions of available rewards selections that can be yours for as little as 2,500 accumulated points. Plus, you can access our rewards e-catalog online through Raymond James investor access or raymondjamesrewards.com. The e-catalog contains the most up-to-date information and merchandise for the rewards program, making it simple to begin receiving your just rewards today.

Terms and conditions

The Raymond James Elite Investment Account Rewards Program is available to all Elite account clients in good standing residing in the United States, Puerto Rico and the U.S. Virgin Islands. Points are not transferable, cannot be combined with those earned in related accounts and have no cash value. Redemptions are subject to availability. Some catalog selections are limited to delivery or use within the United States. Points expire three years from the end of the calendar year in which they were earned. Raymond James reserves the right to alter, substitute or terminate all or any part of the program at any time.

There is a $50 annual participation fee in addition to your Elite membership fee that will be charged to your Elite Investment Account. This fee is nonrefundable. Upon enrollment you will accumulate one point for each U.S. dollar in net purchases.

For complete terms and conditions, please refer to the Raymond James Elite Investment Account Rewards Program catalog.

Tools that help you with budgeting and tax preparation

A comprehensive monthly statement

A comprehensive monthly statement summarizes all portfolio holdings and financial activity. Cost basis information, with unrealized gains/losses is reported on your monthly statement. Deposits, checking activity, VISA transactions and electronic deposits/payments are detailed separately and in date order for easier reconciliation.

Income and expense coding

You can code checks you write and deposit to track your sources of income and expenses. These codes are then tracked and reported on your monthly statement, as well as grouped and totaled for your Annual Summary Statement.

Annual Summary Statement

An Annual Summary (13th month) Statement provides a comprehensive summary of all transactions made throughout the year. Deposits and checks you wrote are classified by the personal codes you assign, debit card purchases by the type of vendor. Besides helping you track all personal financial transactions, this statement is also a valuable source of reference when preparing taxes.

Account information at your fingertips

Access your account

Raymond James Investor Access provides your account information online from the comfort of your home or office 24 hours a day.

A toll-free, client service hotline exclusive to Elite clients is also available from 8:30 a.m. to 6:30 p.m. Monday through Thursday, 8:30 a.m. to 6 p.m. Friday, EST to answer questions regarding your Elite Investment Account.

Maximize your savings

Uninvested money is swept daily into an interest bearing account, so each dollar in the account is put to work promptly for your benefit. ²

Dividends can be reinvested at no additional charge for the securities held in street name in your Elite account. When your dividend payments are reinvested, they will earn future dividends, allowing for potential portfolio growth through compounded earnings.

2 Please note there may be holds placed on check deposits.

Account protection

Each account custodied by Raymond James & Associates is protected for the net equity of the client’s securities and cash positions.

The Securities Investor Protection Corporation (SIPC) provides $500,000 of net equity protection, including $100,000 for claims for cash awaiting reinvestment. Please visit www.sipc.org for more information about SIPC coverage.

We then provide additional protection (excess SIPC) through Customer Asset Protection Company, a licensed Vermont insurer rated A+ by Standard & Poor’s.

Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.

Manageable account requirements

You can open an Elite Investment Account with a minimum of $10,000 cash or $20,000 in marginable securities, or a combination of both, as long as the loan value of the account equals $10,000. Elite Investment Accounts must maintain a minimum of $2,500 cash or $5,000 in marginable securities or any combination of the two so that the loan value of the account equals $2,500.

Account Fees & Services

Click here to download a PDF with a listing of our account fees & services.

The free Adobe Acrobat Reader is needed to view PDF files. If you do not have Adobe Acrobat Reader on your computer, please click here for more information.

The privileges you deserve

With position come the privileges you deserve – and they’re yours through the Elite Investment Account. For additional information on how this comprehensive cash management program can simplify your life, please call your financial advisor or use the convenient Office Locator to find our office(s) nearest you today.

Contact us

Important Phone Numbers

For general questions regarding your Elite account during normal business hours (8:30 a.m. to 6:30 p.m. Monday through Thursday, 8:30 a.m. to 6:00 p.m. Friday, EST):

• Elite Client Services - 800-759-9797
• Outside the United States - 727-567-1000, call collect by identifying yourself as an Elite client

To activate your Elite VISA^® debit card: 800-292-2100

To report a lost or stolen Elite VISA debit card:

• During normal business hours (8:30 a.m. to 6:30 p.m. Monday through Thursday, 8:30 a.m. to 6:00 p.m. Friday, EST) within the United States, call 800-759-9797
• After business hours or weekends within the United States, call 877-813-5356
• Outside the United States, call 402-955-0723 anytime