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Personal Rates

FreeNet® Checking Account1
Rates as of 7/4/2008 12:00:00 AM
Account Balance Rate APY
Introductory yield 4.65% 4.76%
$100,000 and Up 3.45% 3.51%
$50,000 - $99,999 3.16% 3.21%
$25,000 - $49,999 2.77% 2.81%
$10,000 - $24,999 2.48% 2.51%
$9,999 or less 2.23% 2.26%
Annual Percentage Yield (APY)


Yield PledgeSM Money Market2,3
Rates as of 7/4/2008 12:00:00 AM
Personal Rate APY
Introductory yield3 4.65% 4.76%
Ongoing yield 3.45% 3.51%


EverCard® Visa® Platinum4
Rates as of 7/4/2008 12:00:00 AM
Our APR Daily Rate
As low as 9.90% 0.03%


Home Lending
LENDING Rate APR
30-year Fixed5 6.375% 6.539%
15-year Fixed6 5.875% 6.160%
5/1 ARM7 5.250% 5.641%
Home Equity Line of Credit8 5.125% 5.125%
Yield Pledge Certificate of Deposit2,9
Rates as of 7/4/2008 12:00:00 AM
Term APY Rate
3-month 3.04% 2.99%
6-month 3.35% 3.30%
9-month 3.45% 3.39%
1-year 3.71% 3.64%
1.5-year 3.84% 3.77%
2-year 3.97% 3.89%
2.5-year 4.14% 4.06%
3-year 4.31% 4.22%
4-year 4.55% 4.45%
5-year 4.68% 4.57%


Insured AdvantageSM Certificate of Deposit10
Rates as of 7/4/2008 12:00:00 AM
Term Rate APY
3-month 2.72% 2.76%
6-month 3.00% 3.05%
1-year 3.31% 3.37%
2-year 3.51% 3.57%
3-year 3.78% 3.85%
5-year 4.30% 4.39%


Overdraft Protection11
Rates as of 7/4/2008 12:00:00 AM
Our APR Daily Rate
As low as 11.90% 0.03%


Personal and Business Rates

WorldCurrency Access Deposit Account—Money Market Yields
$2,500 ($US) Minimum Deposit (some exceptions apply)12,13
Rates as of 7/4/2008 12:00:00 AM
Currency Name Balance
Up To:		 APY Balance
Up To:		 APY Balance
Up To:		 APY Balance
Up To:		 APY Balance
Over:		 APY
Australian dollar 13,000 0.00% 32,600 1.13% 65,000 1.63% 98,000 2.00% 98,000 2.25%
British pound 5,500 0.00% 13,700 0.20% 27,000 0.50% 41,000 0.75% 41,000 1.00%
Canadian dollar 11,200 0.00% 27,000 0.63% 56,000 0.88% 84,000 1.13% 84,000 1.38%
Chinese renminbi 80,000 0.00% 82,000 0.00% 205,000 0.00% 410,000 0.00% 410,000 0.00%
Czech koruna 225,000 0.00% 565,000 0.50% 1,129,000 0.75% 1,695,000 0.88% 1,695,000 1.00%
Danish krone 59,000 0.00% 147,000 0.13% 295,000 0.13% 443,000 0.13% 443,000 0.50%
Euro 8,000 0.00% 20,000 0.13% 40,000 0.25% 60,000 0.50% 60,000 0.75%
Hong Kong dollar 77,700 0.00% 195,000 0.00% 388,000 0.13% 582,700 0.38% 582,700 0.63%
Japanese yen 1,110,000 0.00% 2,775,000 0.00% 5,550,000 0.00% 8,325,000 0.00% 8,325,000 0.00%
Mexican peso 110,000 0.00% 275,000 2.00% 550,000 2.10% 825,000 2.25% 825,000 2.50%
New Zealand dollar 16,000 0.00% 40,000 1.50% 78,000 1.70% 118,000 1.75% 118,000 2.50%
Norwegian krone 62,000 0.00% 154,000 0.25% 308,000 0.35% 462,000 0.75% 462,000 1.00%
Singapore dollar 16,000 0.00% 40,000 0.00% 80,000 0.00% 118,000 0.00% 118,000 0.13%
South African rand 60,000 0.00% 150,000 2.50% 300,000 2.75% 450,000 3.00% 450,000 3.25%
Swedish krona 73,000 0.00% 185,000 0.25% 367,000 0.50% 550,000 0.75% 550,000 1.00%
Swiss franc 12,400 0.00% 31,000 0.00% 62,000 0.00% 93,000 0.00% 93,000 0.25%
U.S. dollar 2,500 0.00% 25,000 0.50% 50,000 0.75% 100,000 1.00% 175,000 2.76%


WorldCurrency CD Yields
$10,000 ($US) Minimum Deposit (some exceptions apply)12,14
Rates as of 7/4/2008 12:00:00 AM
3-Month 6-Month 9-Month 12-Month
Currency Name Rate APY Rate APY Rate APY Rate APY
Australian dollar 5.25% 5.35% 5.50% 5.58% 5.50% 5.54% 5.38% 5.38%
Brazilian real 5.00% 5.09% na na na na na na
British pound 3.00% 3.03% 3.25% 3.28% 3.13% 3.14% 3.13% 3.13%
Canadian dollar 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
Czech koruna 3.15% 3.19% 3.25% 3.28% na na na na
Danish krone 2.00% 2.02% 2.13% 2.14% na na na na
Euro 2.00% 2.02% 2.25% 2.26% 2.25% 2.26% 2.25% 2.25%
Hong Kong dollar 1.00% 1.00% 1.00% 1.00% na na na na
Icelandic krona 2.50% 2.52% na na na na na na
Indian rupee 2.25% 2.27% na na na na na na
Japanese yen 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Mexican peso 4.50% 4.58% 4.50% 4.55% na na na na
New Zealand dollar 6.13% 6.27% 6.13% 6.22% 6.00% 6.05% 5.88% 5.88%
Norwegian krone 3.50% 3.55% 3.50% 3.53% 3.50% 3.52% 3.50% 3.50%
Singapore dollar 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% na na
South African rand 8.25% 8.51% 8.50% 8.68% na na na na
Swedish krona 2.13% 2.14% 2.25% 2.26% 2.50% 2.51% 2.50% 2.50%
Swiss franc 0.38% 0.38% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%


WorldCurrency Index CDs Yields
$20,000 ($US) Minimum Deposit 12,15
Rates as of 7/4/2008 12:00:00 AM
3-Month 6-Month
Multi-currency CDs Currencies Rate APY Rate APY
Commodity Index CD
Comprised of 4 currencies from commodity-based countries.		 Australian dollar - 25%
Canadian dollar - 25%
New Zealand dollar - 25%
South African rand - 25% 		5.00% 5.09% 5.25% 5.32%
Euro Trax® Index CD
Comprised of 4 currencies from countries with strong economies.		 Euro - 40%
Norwegian krone - 20%
Swedish krona - 20%
Swiss franc - 20% 		2.00% 2.02% 2.10% 2.11%
European Opportunity Index CD
Comprised of 3 currencies from countries transitioning to the euro.		 Hungarian forints - 37.5%
Polish zloty - 37.5%
Czech koruna - 25% 		3.15% 3.19% 3.25% 3.28%
Geographic Index CD
Comprised of 4 currenices from 4 different continents.		 Australian dollar - 25%
Euro - 25%
Hong Kong dollar - 25%
Mexican peso - 25% 		3.50% 3.55% 3.00% 3.02%
Investor's Opportunity Index CD
Comprised of 4 currencies from growing economies.		 Mexican peso - 40%
Australian dollar - 20%
Euro - 20%
New Zealand dollar - 20% 		3.85% 3.91% 4.00% 4.04%
New World Energy Index CD
Comprised of 3 non-middle eastern energy producing countries.		 Australian dollar - 33.3%
Canadian dollar - 33.3%
Norwegian krone - 33.3% 		3.25% 3.29% 3.30% 3.33%
Pacific Advantage Index CD
Comprised of 4 major currencies from the Pacific region.		 New Zealand dollar - 40%
Hong Kong dollar - 20%
Japanese yen - 20%
Singapore dollar - 20% 		1.75% 1.76% 1.77% 1.78%
Pan-AsianSM Index CD
Comprised of 4 major currencies from the Pan-Asian region.		 Australian dollar - 40%
Hong Kong dollar - 20%
Japanese yen - 20%
Singapore dollar - 20% 		1.50% 1.51% 1.75% 1.76%
Petrol Index CD
Comprised of 3 major currencies from non-Middle Eastern oil producing and exporting nations. 		British pound - 33.3%
Mexican peso - 33.3%
Norwegian krone - 33.3% 		3.25% 3.29% 3.30% 3.33%
Prudent Central Bank Index CD
Comprised of 4 major currencies from countries with strong, inflation-fighting Central Banks.		 Australian dollar - 25%
British pound - 25%
Euro - 25%
New Zealand dollar - 25% 		3.50% 3.55% 3.75% 3.79%
Viking Index CD
Comprised of 3 currencies from Nordic countries. 		Norwegian krone - 40%
Danish krone - 30%
Swedish krona - 30% 		2.45% 2.47% 2.50% 2.52%
World Energy Index CDSM
Comprised of 4 non-middle eastern energy producing countries.		 Australian dollar - 25%
British pound - 25%
Canadian dollar - 25%
Norwegian krone - 25% 		3.00% 3.03% 3.13% 3.15%


  1. The introductory 4.76% annual percentage yield (APY) on EverBank’s FreeNet Checking Account is current as of 7/4/2008 12:00:00 AM and will apply to the first $100,000 on deposit for the first three months after account opening, and may change at any time prior to account opening. During the three-month period after account opening, the introductory yield will be applied to the first $100,000 in your account and a 3.51% APY will apply on any balance over $100,000. This corresponds to a blended APY for the 12 month period after the account is opened for funds up to $100,000, based on our current ongoing yield, the current introductory yield and the average collected daily balance on your account, as follows: $50,000 - $100,000, 3.59%; $25,000 - $49,999, 3.29%, $10,000 - $24,999, 3.06%, and under $10,000, 2.87%. This is a tiered, variable rate account and any of the rates may change at any time without notice. This introductory APY offer is available to first-time EverBank account holders only and is limited to one account per household. Minimum opening deposit of $1,500 is required.
  2. EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in the Bankrate.com National IndexTM of leading banks and thrifts. For the Yield Pledge CD this pledge applies at the time of purchase, or when rolling your expiring CD into a new CD with EverBank.
  3. The introductory 4.76% annual percentage yield (APY) on EverBank’s Yield Pledge Money Market Account is current as of 7/4/2008 12:00:00 AM and will apply to the first $50,000 on deposit for the first three months after account opening, and may change at any time prior to account opening. During the three-month period after account opening, the introductory yield will be applied to the first $50,000 in your account and a 3.51% APY will apply on any balance over $50,000. The current APY without this introductory offer will be the applicable ongoing yield based on the average collected daily balance on your account, currently 3.51% APY as of 7/4/2008 12:00:00 AM. This corresponds to a blended APY for the 12 month period after the account is opened for funds up to $50,000, based on our current ongoing yield, the current introductory yield, and the average collected daily balance on your account, of 3.82%. This rate is variable and may change at any time without notice. Fees may reduce earnings. This introductory APY offer is available to first-time EverBank account holders only and is limited to one account per household. Minimum opening deposit of $1,500 is required. In any month that your average daily balance falls below $1,500, a $4.95 monthly fee applies.
  4. The EverCard Visa has an Annual Percentage Rate (APR) for purchases of 9.90% or 12.90%, an APR for cash advances of 18.90%, and a default APR of 16.90%. The APRs are current as of 7/4/2008 12:00:00 AM, are variable and may change prior to or after account opening.
  5. Example: A $250,000 home financed at 6.194% Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000 repaid in 360 equal monthly payments of $1,215.22 If the down payment is less than 20%, mortgage insurance may be needed, which will increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance. Subject to credit and property approval.
  6. Example: A $250,000 home financed at 6.115% Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000 repaid in 180 equal monthly payments of $1,687.71 If the down payment is less than 20%, mortgage insurance may be needed, which will increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance. Subject to credit and property approval.
  7. Example: This is a variable rate product and rates may change after consummation. A $250,000 home financed at a 7.115% adjustable Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000 repaid in 60 monthly payments of $1,247.74 followed by 300 monthly payments of $1,381.55 at 7.500%. If the down payment is less than 20%, mortgage insurance may be needed, which will increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance. Subject to credit and property approval.
  8. The lowest available rate as of 5/1/07 is 7.74%. Not all customers will qualify for the lowest rate. The Annual Percentage Rate (APR) for a home equity line is based on the interest rate alone and will not reflect the closing costs and other fees and charges. The APR is variable and subject to increase after consummation. The maximum APR is 18%. Your plan will have a $49.00 annual fee. You must carry property insurance (and may be required to carry flood insurance) on the property that secures your plan. Borrower will not be required to pay any LENDER related closing costs. The Borrower will be required to pay all applicable taxes and recording fees, which may vary by state. A reasonable range for these closings costs is $50.00-$1,800.00. These fees may be advanced from the line of credit at closing. If the Borrower terminates the line of credit for any reason within two years of the closing date, all lender paid closing costs must be immediately repaid to the lender. Subject to credit and property approval. Program may change without notice.
  9. The quoted annual percentage yield (APY) is current as of 7/4/2008 12:00:00 AM and applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Penalties for early withdrawal apply. A minimum deposit of $1,500 is required to open the account.
  10. Insured Advantage Certificates of Deposit are offered in conjunction with the Certificates of Deposit Account Registry Service (CDARS) and allow FDIC insurance on certificates of deposit up to $50 million. Subject to availability based on CD term and participation limits. Placement is based on date and time of application approval and funding. Bank deposits above $100,000 receive FDIC insurance on the funding date which occurs each week on Thursdays or first business day thereafter. Early withdrawal penalties apply. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.
  11. The quoted Annual Percentage Rate (APR) is current as of 7/4/2008 12:00:00 AM, is variable (based on prime plus a margin of 5.9%), and may change prior to or after account opening. The APR will apply to any advances from the date of the advance (there are no grace periods). Overdraft protection is subject to credit approval and is only available to customers with a FreeNet and Basic Checking account.
  12. The currency conversion rate will be within 1% of the wholesale spot price EverBank pays for the currency. Exceptions may occur when a specific conversion rate is agreed upon between you and EverBank. Please note, if you request funds in your account to be denominated in a currency other than the currency sent to EverBank to fund your account, EverBank will convert the funds using the then prevailing currency conversion rate offered by EverBank.
  13. The stated APY does not reflect the potential capital gains or losses that may occur due to fluctuations in the currency market. This is a tiered, variable rate account. Rates are subject to change without notice. The minimum deposit required to open an account is $2,500 or foreign currency equivalent based on exchange rates in effect on the day of deposit. For the Chinese renminbi accounts, the minimum opening deposit is $10,000 or foreign equivalent. These accounts are eligible to earn interest when the balance exceeds $10,000 ($USD). Fees may reduce earnings.
  14. The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Penalties for early withdrawal apply. The stated APY does not reflect the potential capital gains or losses that may occur due to fluctuations in the currency market. A minimum deposit of $10,000 or foreign currency equivalent is required to open the account. For the special Indian rupee and Brazilian real CDs, the minimum opening deposit is $20,000 or foreign currency equivalent.
  15. The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. The stated APY does not reflect the potential capital gains or losses that may occur due to fluctuations in the currency market. Interest earned on your Index CD will be paid in additional units of the CD. Each unit is made up of each of the currencies listed here in accordance with the specified weightings. On maturity, your units can be rolled over into a new Index CD or converted to U.S. dollars at a conversion rate that blends the market value of each currency in accordance with that currency’s weighting. Penalties for early withdrawal apply. A minimum deposit of $20,000 or foreign currency equivalent is required to open the account.
  16. This is a tiered, variable rate account. The rate and annual percentage yield may change at any time without notice. Fees may reduce earnings. For accounts whose average daily balance falls below $3,000, a monthly maintenance fee of $14.95 will be applied.
  17. The quoted annual percentage yield (APY) is current as of 7/4/2008 12:00:00 AM and applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Penalties for early withdrawal apply. A minimum deposit of $1,500 is required to open the account.
  18. The introductory 4.76% annual percentage yield (APY) on EverBank’s Business Interest Checking Account is current as of 7/4/2008 12:00:00 AM and will apply to the first $100,000 on deposit for the first three months after account opening, and may change at any time prior to account opening. During the three-month period after account opening, the introductory yield will be applied to the first $100,000 in your account and a 3.51% APY will apply on any balance over $100,000. The current APY without this introductory offer will be the applicable ongoing yield based on the average collected daily balance on your account. Current APY tiers as of 7/4/2008 12:00:00 AM are: over $100K, 3.51%; $50K-$99.99K, 3.21%; $25K-$49.99K, 2.81%; $10K-$24.99K, 2.51%; and under $10K, 2.25%. This corresponds to a blended APY for the 12 month period after the account is opened for funds up to $100,000, based on our current ongoing yield, the current introductory yield, and the average collected daily balance on your account, as follows: $50K-$100K, 3.59%; $25K-$49.99K, 3.29%; $10K-$24.99K, 3.06%; and under $10K, 2.87%. This is a tiered, variable rate account and any of the rates may change at any time without notice. This introductory APY offer is available to first-time EverBank account holders only and is limited to one account per household. Minimum opening deposit of $1,500 is required.
  19. The quoted Annual Percentage Rate (APR) is current as of 7/4/2008 12:00:00 AM, is variable (based on Prime plus a margin of 2%), and may change prior to or after account opening. The APR will apply to any advances from the date of the advance (there are no grace periods). Overdraft protection line of credit is subject to credit approval and is only available to business customers with Business, Analysis, Interest or Non-Profit Checking Accounts. A $5 fee is charged for each transfer.
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  21. EverBank, the EverBank Infinity Sphere and the EverBank logo are proprietary service marks of EverBank; All rights reserved.