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PRESENTATION TO:

Don A. d’Adesky

Managing Director

561-981-3690

[email protected]

RaymondJames-TheAmericasGroup.com

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In September 2015, Raymond James’ Practice

Intelligence was named a winner in

WealthManagement.com’s inaugural

Industry Awards.

In May 2015, The Raymond James Equity

Research department received a total of 15

awards in the 2015 StarMine Analyst Awards,

ranking the firm third among all brokers in

cumulative StarMine awards for the U.S. over

the past three and five years.

In January 2015, M&A Advisor named the

Raymond James Investment Banking practice

“Investment Banking Firm of the Year” in

addition to three “Deal of the Year” awards at

the M&A Advisor Turnaround Awards.

Approximately 6,600

financial advisors

Over 2,700 locations

(United States, Canada

and abroad)

More than 2.7 million

client accounts

Approximately $480

billion in total client

assets

RAYMOND JAMES AT A GLANCE

As of 9/30/2015. Investing involves risk, and investors may incur a profit or a loss. Past performance is not an indication of future results. The information provided is for informational purposes only and is not a solicitation to buy or sell Raymond

James Financial stock. The M&A Advisor Turnaround Awards represent the best of the distressed investing and reorganization industry in 2014. Nominations were judged by an independent jury of industry experts The StarMine Analyst awards

are based on calendar-year performance of recommendations and estimates on companies that are based in the U.S., Europe and Asia. StarMine, a Thomson Reuters company, objectively measures the performance of analysts based on the

returns of their buy/sell recommendations and the accuracy of their earnings estimates. Criteria for the WealthManagement.com’s Practice Management award include quantitative measures—such as scope, scale, adoption, usage, feature set,

advisor survey scores, etc.—along with qualitative measures such as innovation, creativity, new methods of delivery, etc. ©2015 Raymond James & Associates, Inc., member New York Stock Exchange/SIPC ©2015 Raymond James Financial

Services, Inc., member FINRA/SIPC Investment products are: not deposits, not FDIC/NCUA insured, not insured by any government agency, not bank guaranteed, subject to risk and may lose value. 15-BDMKT-1993

Fiscal 2015 Total Revenue – By Primary Segments

Raymond James has delivered 111 consecutive quarters of profitability. We credit much of this performance to the firm’s client-first perspective

and adherence to its founding core values of professional integrity, advisor independence, and a conservative, long-term approach to

investing.

BY THE

NUMBERS

STRENGTH AND STABILITY

Diluted Earnings Per Share – Trailing 10 Years

HONORS AND ACCOLADES

PRESENTATION TO:

R Joseph Vandergrift

Managing Director

901-524-4187

[email protected]

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Background

• Proprietary Online Portfolio Management System,

Introduced in Fall 1999

• CMO/Structured Cashflows Calculated by Intex®,

Prepayment Model Speeds Provided by Yieldbook®

• Free Access to RAYMOND JAMES® Clients

• Reviewed and Utilized by Various Regulatory Entities

Portfolio Analytics Using eFolio®

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User Statistics

• 9,431 Enrolled Users

• 6,399 Portfolios

• $2,599,214,473,144 in Current Par

• $406,190,728 Average Portfolio

• Over 70,000 Individual Calculations Performed Daily


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Interactive View of Portfolio Characteristics

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Portfolio Interest Rate Sensitivity & Projected Cashflows


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User Defined Interest Rate Scenario Selections


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Interest Rate Sensitivity & Cashflows

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Single Bond Analytics

• Single Bond Analytics

– Allows the capability to analyze securities on demand based on user

defined criteria (price, speed and/or interest rate assumptions, etc.)


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1. Enter the settlement date (MM/DD/YYYY)

2. Enter or Adjust the Market Price (can use /32’s)

3. Click on Recalculate


112

3

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Click to view

shocked

data environments

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eSwap Capabilities

• eSwap Functions:

– Ability to utilize individual settlement dates for each

security

– User has the ability to specify custom prepayment

estimates for each mortgage-related security

– One-click ability to include/exclude securities to evaluate

different strategies


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eSwap – Pre-Purchase Compliance

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In one step, the user modifies any information needed and chooses

calculation models and other optional details. When setup is complete,

the entire swap is calculated and results displayed.


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When the calculations are completed, the screen refreshes and displays

the results of the simulation


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The Transaction

page also displays

the economics of the

swap


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The Swap details function

allows for further analysis

including shifting interest

rates and various horizons


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Once a swap is simulated, the user can view the impact of the transaction

to the overall portfolio


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DISCLAIMERS AND DISCLOSURES

The information contained herein is based on sources considered to be reliable but is not represented to be complete

and its accuracy is not guaranteed. The opinions expressed herein reflect the judgment of the author at this date and are

subject to change without notice and are not a complete analysis of every material fact respecting any company, industry

or security Raymond James & Associates, Inc. and affiliates and their officers, directors, shareholders and employees

and members of their families may make investments in a company or securities mentioned herein before, after or

concurrently with the publication of this report. Raymond James & Associates, Inc. may from time to time perform or

seek to perform investment banking or other services for, or solicit investment banking or other services from any

company, person or entities mentioned herein. Neither the information nor any opinion expressed herein constitutes a

solicitation for the purchase or sale of any security. Raymond James & Associates, Inc. makes no representation as to

the legal, tax, credit, or accounting treatment of any transactions mentioned herein, or any other effects such

transactions may have on you and your affiliates or any other parties to such transactions and their respective affiliates.

You should consult with your own advisors as to such matters.

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