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RAYMOND JAMFSO
<br />March 30 to April 30, 2012
<br />Account # 28095517
<br />The following information is related to the investments currently held in your account at Raymond James & Associates, Inc., member New York
<br />Stock Exchange/SIPC. Information about commissions, service fees and other charges related to your transactions is included on your transaction
<br />confirmations. All financial products you have purchased or sold through your Raymond James financial advisor should appear on a trade
<br />confirmation and your account statements. Please contact your financial advisor and Raymond James Client Services at 800-647-7378 if you do not
<br />see any such purchase or sale reported on your trade confirmation or account statements; if you have questions about the securities positions,
<br />balances and transactions in your account; or if you note any other inaccuracy on your account statement. If you have questions about the following
<br />information or would like to update your investment profile, please contact your financial advisor. Raymond James' financial statement is available for
<br />your inspection at its offices or at raymondjames.com, or a copy of it will be mailed upon your written request. Any oral communications should be
<br />reconfirmed in writing to further protect your rights, including rights under the Securities Investor Protection Act.
<br />Raymond James International Headquarters 880 Carillon Parkway I St. Petersburg, FL 33716 j raymondjames.com
<br />Securities Investor Protection Corporation - Raymond James &
<br />Associates, Inc. is a member of the Securities Investor Protection
<br />Corporation (SIPC), which protects securities customers of its
<br />members up to $500,000, including $250,000 for claims for cash. An
<br />explanatory brochure is available upon request by calling
<br />202-371-8300 or visiting sipc.org. Raymond James & Associates, Inc.
<br />has purchased excess SIPC coverage through various syndicates of
<br />Lloyd's, a London-based firm. Excess SIPC coverage is fully protected
<br />by the Lloyd's trust funds and Lloyd's Central Fund. The additional
<br />protection currently provided has an aggregate firm limit of $750
<br />million, including a sub-limit of $1.9 million per customer for cash above
<br />basic SIPC for the wrongful abstraction of customer funds. Account
<br />protection applies when a SIPC-member firm fails financially and is
<br />unable to meet obligations to securities clients, but it does not protect
<br />against market fluctuations.
<br />instances, Raymond James cannot guarantee its accuracy.
<br />Information for uncovered positions will not be reported to the IRS.
<br />FINRA Disclosure - For additional background information on any firm
<br />or representative registered with the Financial Industry Regulatory
<br />Authority (FINRA), please contact FINRA at 800-289-9999 or finra.org
<br />and request the public disclosure program brochure.
<br />Client Interest Program - The Client Interest Program (CIP) is a
<br />short-term cash sweep program for funds awaiting investment. CIP
<br />funds are, by regulation, required to be placed in overnight repurchase
<br />agreements that are fully collateralized by U.S. Treasury securities
<br />and/or deposited in qualifying trust accounts with major U.S. banks.
<br />CIP balances are included in the coverage provided by the Securities
<br />Investor Protection Corporation (SIPC) and excess SIPC.
<br />Raymond James & Associates, Inc. and Raymond James Financial
<br />Services, Inc. are affiliated with Raymond James Bank, National
<br />Association (N.A.), member FDIC. Unless otherwise specified, products
<br />purchased from or held at Raymond James & Associates or purchased
<br />from Raymond James Financial Services are not insured by the FDIC,
<br />are not deposits or other obligations of Raymond James Bank, N.A.,
<br />are not guaranteed by Raymond James Bank, N.A., and are subject to
<br />investment risks, including possible loss of the principal invested.
<br />Cost Basis - Investment gain or loss reflects the unrealized gain or
<br />loss using adjusted cost basis. Adjusted cost basis may or may not
<br />reflect adjustments for return of principal/capital or
<br />accretion/amortization. Reinvestments of dividends or capital gain
<br />distributions are included in the adjusted cost basis calculation of the
<br />unrealized gain/loss with the exception of open end mutual funds. Cost
<br />basis for open end mutual funds does not include reinvested dividends
<br />or capital gains for calculating unrealized gain or loss on this statement.
<br />Realized gain/loss information found under the Important Messages
<br />section includes reinvested dividend and capital gains in the calculation
<br />for all security types. Gain or loss information is displayed on this
<br />statement for your information only and should not be relied upon for
<br />tax reporting purposes.
<br />To have missing cost basis information added to your account, please
<br />contact your financial advisor.
<br />Effective January 1, 2011, Raymond James reports adjusted cost
<br />basis for securities currently covered by the Emergency Economic
<br />Stabilization Act of 2008 to the IRS on Form 1099-B. Raymond James
<br />will default to the first-in, first-out (FIFO) cost basis accounting method
<br />for trades and transfers unless a different method has been selected.
<br />Adjustments made to your cost basis throughout the year may cause
<br />the information displayed on the client statement to differ from what is
<br />reported on the 1099-B which is provided to the IRS at the end of the
<br />year.
<br />For tax lots or securities that are not covered by the Emergency
<br />Economic Stabilization Act of 2008, cost basis information may not be
<br />available, may have been estimated by you or your financial advisor, or
<br />may have been obtained from third-party sources, and in these
<br />The Client Interest Program rate displayed in the Cash & Cash
<br />Alternatives section of your statement is the established rate for the
<br />last business day of the reported month. Estimated Annual Income is
<br />calculated using this rate and, therefore, is solely an estimated value for
<br />the month and may not reflect your actual income.
<br />More information about CIP is available at raymondjames.com/cip.
<br />Dollar-Weighted Performance Reporting - The dollar-weighted
<br />performance results represented in this statement are based on
<br />performance calculations that take into account the impact of deposits
<br />and withdrawals. Because these cash flows are beyond the control of
<br />the advisor, they should not be used to evaluate his/her performance.
<br />In addition, returns for securities purchased on margin include the
<br />effects of leverage. Performance returns are calculated net of
<br />management fees, if applicable. Returns for periods greater than one
<br />year are annualized returns unless they represent entire 12-month
<br />periods. All performance figures exclude unpriced securities (including
<br />securities of indeterminate value), limited partnerships (other than
<br />limited partnerships classified as Alternative Investments and appearing
<br />in that section of your statement). Performance for Annuity and RJ
<br />Bank CD's may not be all inclusive. Considering these exclusions,
<br />overall performance may be different than the results presented in this
<br />statement. Past performance is not a guarantee of future results.
<br />Information used to calculate performance may have been obtained
<br />from third party sources and Raymond James cannot guarantee the
<br />accuracy of such information.
<br />Fixed Income Investments - Fixed income securities, including
<br />brokered CDs, are priced using evaluations, which may be matrix- or
<br />model-based, and do not necessarily reflect actual trades. These price
<br />evaluations suggest current estimated market values, which may be
<br />significantly higher or lower than the amount you would pay (receive) in
<br />an actual purchase (sale) of the security. These estimates, which are
<br />obtained from various sources, assume normal market conditions and
<br />are based on large volume transactions. Market prices of fixed income
<br />securities may be affected by several risks, including without limitation:
<br />interest rate risk - a rise (fall) in interest rates may reduce (increase) the
<br />value of your investment, default or credit risk - the issuer's ability to
<br />make interest and principal payments, and illiquidity risk - the inability
<br />to sell bonds promptly prior to maturity with minimal loss of principal.
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