SAFETY. LIQUIDITY. YIELD. It's everything you want in a savings program. 4.50% annual percentage yield Effective March 1, 2023 FDIC coverage: Up to $50 million per depositor No bank account fees or holding periods $100,000 minimum initial deposit required Grymala & Kneeland Wealth Management Financial Advisor's 26 E. Superior Street, Suite 500 // Duluth, MN 55802 T 218.727.3928 // TF 866.546.0050 // F 218.279.4015 james.grymala@raymondjames.com RAYMOND JAMES Offering is subject to availability. Terms and conditions apply. Interest rate may change after the account is opened. Cash on deposit at FDIC-insured institutions through the Enhanced Savings Program offered by Raymond James Bank is insured by the FDIC up to $250,000 per insurable capacity per depository institution (bank), subject to applicable FDIC rules and limitations. The Enhanced Savings Program relies on the services of IntraFi Network, LLC, for the placement of deposits at a network third-party FDIC-insured deposito- ry institutions. The current list of FDIC-insured depository institutions in the network is shown at https://www.intrafinetworkdeposits.com/find-intrafi-network-deposits. Raymond James is not affiliated with intraFi Network, LLC. © 2023 Raymond James Bank, member FDIC. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank, and are subject to investment risks, including the possible loss of the principal invested. Banking and lending solutions are offered through Raymond James Bank, an affiliate of Raymond James & Associates, Inc., and Raymond James Financial Services, Inc. Raymond James & Associates, Inc., member New York Stock Exchange /SIPC. Raymond James Financial Services, Inc., member FINRA/SIPC. SAFETY . LIQUIDITY . YIELD . It's everything you want in a savings program . 4.50 % annual percentage yield Effective March 1 , 2023 FDIC coverage : Up to $ 50 million per depositor No bank account fees or holding periods $ 100,000 minimum initial deposit required Grymala & Kneeland Wealth Management Financial Advisor's 26 E. Superior Street , Suite 500 // Duluth , MN 55802 T 218.727.3928 // TF 866.546.0050 // F 218.279.4015 james.grymala@raymondjames.com RAYMOND JAMES Offering is subject to availability . Terms and conditions apply . Interest rate may change after the account is opened . Cash on deposit at FDIC - insured institutions through the Enhanced Savings Program offered by Raymond James Bank is insured by the FDIC up to $ 250,000 per insurable capacity per depository institution ( bank ) , subject to applicable FDIC rules and limitations . The Enhanced Savings Program relies on the services of IntraFi Network , LLC , for the placement of deposits at a network third - party FDIC - insured deposito ry institutions . The current list of FDIC - insured depository institutions in the network is shown at https://www.intrafinetworkdeposits.com/find-intrafi-network-deposits . Raymond James is not affiliated with intraFi Network , LLC . © 2023 Raymond James Bank , member FDIC . Raymond James & Associates , Inc. , and Raymond James Financial Services , Inc. , are affiliated with Raymond James Bank . Unless otherwise specified , products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC , are not deposits or other obligations of Raymond James Bank , are not guaranteed by Raymond James Bank , and are subject to investment risks , including the possible loss of the principal invested . Banking and lending solutions are offered through Raymond James Bank , an affiliate of Raymond James & Associates , Inc. , and Raymond James Financial Services , Inc. Raymond James & Associates , Inc. , member New York Stock Exchange / SIPC . Raymond James Financial Services , Inc. , member FINRA / SIPC .