Small Business Solutions

Make your money work as hard as you do with a Money Market Investment account from Extraco.

Money Market Investment
Balance up to	Interest Rate1	APY Annual Percentage Yield
$0 - $2,499	0.05%	0.05%
$2,500 - $9,999	0.10%	0.10%
$10,000 - $24,999	0.15%	0.15%
$25,000 - $49,999	0.20%	0.20%
$50,000 - $99,999	0.30%	0.30%
$100,000 - $249,999	0.35%	0.35%
$250,000 - $499,999	0.50%	0.50%
$500,000 - $999,999	0.55%	0.55%
$1,000,000 and above	0.60%	0.60%
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Rates effective 03/18/2010

Realize your dream of starting a small business or growing an existing business with a small business loan from Extraco.

Types of loans we provide:

• Secured and unsecured term loans — Improve your working capital, expand your business, or finance equipment to give you a competitive advantage.
• Line of credit — revolving and non-revolving lines of credit can help your business manage its cash flow and meet unexpected cash needs, including working capital needs and seasonal changes in inventory and receivable levels.
• Business EasyLine — A $10,000 line of credit can give your business a strategy for those periodic cash shortfalls typical in a business environment. Or take advantage of an opportunity purchase without having to see your banker. With EasyLine, just write a check against the line account to fund your purchase.
• Small Business Reserve — Adding a $10,000 automatic loan sweep to your checking account helps you manage debt and avoid triggering inadvertent overdraft fees.

Protecting your business, your employees, and yourself is important to your overall business strategy and success.

Extraco recommends a wide range of affordable coverage options:

• Automobile and rolling stock
• Property (building and personal property)
• Health and life insurance
• General liability
• Workers' compensation
• Umbrella liability insurance
• Equipment inland marine
• Director's and officer's liability
• Key man life
• Inland marine

Attract new employees and retain existing employees by offering retirement plans to provide for their financial future.

Extraco carries a broad range of retirement solutions to fit the needs of sole proprietorships, corporations, and non-profits.

• 401(k) plans
• Individual Retirement Accounts (IRA)
• Profit Sharing Plans
• Long-Term Care Insurance
• Disability Insurance
• Savings Incentive Match Plan for Employees (SIMPLE)
• Simplified Employee Pension (SEP) Plan
• 403(b) Plans
• 403(b)(7) Plans
• Money Purchase Plans

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Planning for unexpected events is essential to preserve the continued success of your business for your family and employees. Extraco can help you build financial security during your lifetime and also preserve wealth and maximize security for your family after your death.

We take the time to partner with you, your family and professional advisors to secure your assets from generation to generation.

With E-Business Basic¹, even small business owners get FREE real-time access to deposit and loan accounts 24-hours a day, 7-days a week. Multiple users with varying authority levels set by you provide flexibility and control.

• Designate access and authority at your discretion
• Check deposit and loan balances
• Verify transactions
• Track spending
• Transfer funds between accounts
• Create stop-payment orders
• Deactivate lost or stolen debit cards
• Review cleared checks, posted deposits and debit card transactions
• View and download statements
• Generate automatic clearinghouse (ACH) transfers