Important Disclosures

1. By downloading and installing Trusteer Rapport you agree with all Trusteer terms and conditions. EverBank is not responsible for, nor do we guarantee, the content or services associated with this product. All problems, questions or concerns regarding Trusteer Rapport should be directed to www.trusteer.com/support.

2. The quoted Yield Pledge^® Checking interest rates and Annual Percentage Yields (APYs) are accurate as of 12/11/2015 12:00:00 AM. Since this is a tiered, variable rate account, the interest rates, APYs and tiers could change without notice. If your average daily balance is within a tier, the corresponding interest rate and APY is paid on your entire balance, except as described below for the Bonus Interest Rate offer. The current tiers and ongoing interest rates and APYs are: 0.61% APY/interest rate for balances of $100,000 and up; 0.56% APY/interest rate for $50,000 - $99,999.99; 0.46% APY/interest rate for $25,000 - $49,999.99; 0.41% APY/interest rate for $10,000 - $24,999.99; and 0.30% APY/interest rate for balances under $10,000. The required minimum opening deposit is $1,500. At this time, we are pleased to be offering a six-month Bonus Interest Rate and New Account First Year APY to first-time holders of our Yield Pledge Checking Account. Keep in mind the Bonus Interest Rate may not be applied to funds transferred from another EverBank^® account. Fixed for the first six months, the Bonus Interest Rate (currently 1.60%) will apply to balances up to $100,000. Funds in excess of $100,000 will earn the variable ongoing APY and interest rate for our highest tier (currently 0.61%), which may change anytime - even during the first six months. The New Account First Year APY is a required disclosure that is a blended APY that combines the Bonus Interest Rate with the current ongoing interest rates. This isn't the exact APY you will earn since our current ongoing interest rates may change periodically over the last six months of your first year. The New Account First Year APYs are: 1.08% for $50,000 - $99,999.99; 1.03% for $25,000 - $49,999.99; 1.01% for $10,000 - $24,999.99; and 0.95% for balances under $10,000. The New Account First Year APY for balances from $100,000 to $10,000,000 is best expressed as a range: 1.11 to 0.62%; higher balances are accepted. Fees may reduce earnings.

3. National Average APY information as of 12/10/2015 12:00:00 AM, as tracked in Bankrate.com's BRM National Index. National Average APYs and terms and conditions can change at any time.

   Competitor APY information as of 12/10/2015 12:00:00 AM, provided by Market Rates Insight. Competitor APYs and terms and conditions can change at any time. Some competitor rates may vary by region.

4. The quoted Yield Pledge^® CD interest rates and Annual Percentage Yields (APYs) are accurate as of 12/11/2015 12:00:00 AM. APY assumes interest remains on deposit until maturity. These interest rates and APYs are applicable to CD principal balances up to $1 million. Please call for interest rates and APYs applicable to CDs exceeding $1 million. The required minimum opening deposit is $1,500. Early withdrawal penalties apply. Fees may reduce earnings.

5. Federal regulation limits this account to 6 transfers or withdrawals per month, for most types of transfers and withdrawals. Certain transfers and withdrawals are not subject to this limit. See Business and Non-Personal Account Terms, Disclosures and Agreements Booklet for details. Withdrawals and transfers above this limit are subject to a fee. We may close or convert your account to a checking account for repeated occurrences.

6. The quoted Yield Pledge^® Money Market interest rates and Annual Percentage Yields (APYs) are accurate as of 12/11/2015 12:00:00 AM. Since this is a variable rate account, the interest rates and APYs could change without notice. The current ongoing interest rate and APY for all balances is 0.61%. The required minimum opening deposit is $1,500. At this time, we are pleased to be offering a six-month Bonus Interest Rate and New Account First Year APY to first-time holders of our Yield Pledge Money Market Account. Keep in mind the Bonus Interest Rate may not be applied to funds transferred from another EverBank^® account. Fixed for the first six months, the Bonus Interest Rate (currently 1.60%) will apply to balances up to and including $150,000. Funds in excess of $150,000 will earn the variable ongoing interest rate and APY of 0.61%, which may change anytime - even during the first six months. The New Account First Year APY is a required disclosure that is a blended APY that combines the Bonus Interest Rate with the current ongoing interest rates. This isn't the exact APY you will earn since our current ongoing interest rates may change periodically over the last six months of your first year. The New Account First Year APY for balances up to and including $150,000 is 1.11%. The New Account First Year APY for balances from $150,000.01 to $10,000,000 is best expressed as a range: 1.11% to 0.62%; higher balances are accepted. Fees may reduce earnings.

7. EverBank does not charge ATM fees. EverBank automatically reimburses ATM fees paid at other U.S. ATMs every month on accounts with a minimum average daily balance of $5,000. Reimbursement subject to termination for fraud or abuse.