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:� � <br />� � ��i • �� 1 : ►� 1� ° <br />September 28 to October 31, 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 Ra��rnand James financial advisor should appear on a trade <br />confirmation and your account statements. Please contact your financial advisor and Raymond James Client Sen,�ices at 800-647-7378 if you do not <br />see any such purchase or sale reported on your trade confirmation or account statements; rf you have questions about the securities positions, <br />balances and transactions in your account; or if you note any other inacaaracy on yaur account statement. If you have o,uestions about the following <br />information or would Iike to update your investment profile, please contact ycur financial advisor. Raymond James' financial statement is available for <br />your inspection at its offices or at raymondjames.com, or a copy of it wili be niailed upen 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 Cariilon Parkway � St. Petersburg, �=L 33716 � 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 abcve <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 />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 principaVcapital 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 dces not include reinvested dividends <br />or capital yains 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 calcu�ation <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 />+nstances, Raymond James cannot guarantee its accuracy. <br />lnformation fnr uncovered positions will no? be reported to the IRS. <br />FINRR Uisclosure - For additional background information on a�iy firm <br />or representati��e registerec' vdith the Financial Industry Regulatory <br />Authority (F1NRA), please contact FINR.A at 800-289-9939 or finra.org <br />and request the public disclosure program brochure. <br />Clisnt 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 io be placed in overnight repurchase <br />��reements that are fully collateralized by U.S. Treasury securities <br />ahcUor deposited in qualifying trust accounts with major U.S. banks. <br />C�P halances are included in the coverage provided by the Securities <br />Investor Protection Corporation (SIPC) and excess SIPC. <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 k�usiness 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 inf�rmation about CIP is available at raymondjames.com/cip. <br />Dollar-Weighted Pertormance Reporting - The dollar-weighted <br />�rfcrmance results represented in this statement are based on <br />peiformance 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 vf leverage. Performance returns are calculated net of <br />management fees, if applicable. Returns for periods greater than one <br />year are armualized returns urlsss they r�present entire 12-month <br />periods. tiil performar.ce figures exclude unpriced securities (including <br />securities of indeterminate value), limited partnerships (other than <br />limited partnerships classified as Altematiae 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 />Iniormation 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 />e��aluations suggest current estimated market values, which may be <br />sigr�ificantly higher or lower than the amount you would pay (receive) in <br />an act�!al purchase (sale) of the security. These estimates, which are <br />obtained irom various sources, assume normal market conditions and <br />arE ba:>ed on large volume transactions. Market prices of fixed income <br />securities may be affected by several risks, including without limitation: <br />interesi rate risk - a rise (fall) in interest rates may reduce (increase) the <br />v�lue af your investment, default or credit risk - the issuer's ability to <br />mak.e interest and principal payments, and illiquidity risk - the inability <br />to se8 bonds promptly prior to maturity with minimal loss of principal. <br />28095517-22-1 117/OOFB <br />Page 3 of 4 <br />