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	[ "A Raymond James Client's Bill of Rights", 5 ],
	[ "A Raymond James Client's Responsibilities", 6 ],
	[ "Understanding Investment Risk", 9 ],
	[ "Reducing Risk Through Diversification", 11 ],
	[ "Commissions and Costs Attendant to Investing", 12 ],
	[ "Indirect Compensation for Order Flow", 13 ],
	[ "Mutual Funds", 13 ],
	[ "Annuities", 17 ],
	[ "Equity Research Reports", 20 ],
	[ "Knowing What You Are Reading When You Read a Prospectus", 22 ],
	[ "Services for Your Investment and Financial Planning Needs", 23 ],
	[ "     What Raymond James' Tradition of Excellence Means to our Financial Advisors' Clients", 23 ],
	[ "     Communicating with Your Financial Advisor", 24 ],
	[ "     Communication from Our Firm", 24 ],
	[ "          Trade Confirmations", 24 ],
	[ "          Account Statements", 25 ],
	[ "     Composite Statement of 1099 Forms", 25 ],
	[ "     Mutual Fund Consolidated Statements", 25 ],
	[ "     Your Choice of Accounts", 26 ],
	[ "          Important Information About Procedures for Opening a New Account", 26 ],
	[ "     Your Account is Protected", 26 ],
	[ "     Suitability Requirements", 28 ],
	[ "     Online Access to Account Information", 28 ],
	[ "     Transferring Your Account to Raymond James", 28 ],
	[ "     Compensation to Transferring Financial Advisors", 28 ],
	[ "     Privacy Notice", 29 ],
	[ "     Placing Trades", 30 ],
	[ "     After-hours Trading", 30 ],
	[ "     Trade Date and Settlement Date", 30 ],
	[ "     Online Trading", 30 ],
	[ "     Sweeps (Transfers) to and from Income-producing Accounts", 31 ],
	[ "     The Benefits of Street Name Accounts", 34 ],
	[ "     Crediting Checks to an Account", 34 ],
	[ "     Speedy Access to Your Dividends and Interest Payments", 35 ],
	[ "     The Dividend Reinvestment Alternative", 35 ],
	[ "     Your Rights as a Shareholder", 35 ],
	[ "     The Pitfalls of Penny Stocks", 35 ],
	[ "     Understanding the OTC Market", 36 ],
	[ "Conflict Resolution", 36 ],
	[ "Client Account Services Fees and Charges", 36 ],
	[ "Ensure Your Account Information Is Up-To-Date", 37 ],
	[ "The Raymond James Mission Statement", 37 ],
	[ "Back Cover", 40 ]
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