EverBank Launches MarketSafe® Commodity Solutions CD

EverBank announced the launch of the five-year MarketSafe® Commodity Solutions CD, which combines the market potential of WTI crude oil, gold, silver, soybeans, corn, sugar, copper and nickel. This indexed and U.S. dollar-denominated CD offers 100% principal protection1 and the ability to earn up to a 70% upside payment at maturity if the commodities increase in value across annual pricing dates.2

“All investments hold some degree of risk, but they also present unique opportunities,” said Frank Trotter, EVP & chairman of EverBank Global Markets. “Like all MarketSafe CDs, our new CD is an indexed, U.S. dollar-denominated deposit product. This CD, which offers 100% deposited principal protection, brings you access to the upside potential of eight commodities: WTI crude oil, gold, silver, soybeans, corn, sugar, copper and nickel with a maximum payout of 70% at maturity.”

EverBank created the FDIC-insured1 Commodity Solutions CD for individuals interested in exposure to commodities but concerned about the obvious risk. The CD opened for funding on March 3, 2016. The funding period ends on April 14, 2016 and CD will be issued on April 25, 2016.

“The prices of several commodities are currently at or near multi-year lows,” said Chris Gaffney president of EverBank World Markets. “While there have obviously been a lot of factors weighing on the price of commodities over the past several years, recent signs point to the possibility that this downward trend could be coming to an end. I think the most important of these factors is the emergence of a ‘middle class’ in India and China and the changes in the global economy that this could trigger.”

EverBank’s MarketSafe ® Commodity Solutions CD has a minimum deposit of $1,500 and no monthly account fee. Returns are based on CD performance; this indexed CD does not pay a periodic rate of interest or annual percentage yield.

For more information on MarketSafe® CDs or to see the MarketSafe ® Commodity Solutions CD Term Sheet, visit www.everbank.com/commodity-solutions. You can contact an EverBank World Markets Specialist at 800.926.4922, or email your questions to worldmarkets@everbank.com. EverBank, Member FDIC.

ABOUT EVERBANK FINANCIAL CORP

EverBank Financial Corp, through its wholly-owned subsidiary EverBank, provides a diverse range of financial products and services directly to clients nationwide through multiple business channels. Headquartered in Jacksonville, Florida, EverBank had $26.6 billion in assets and $18.2 billion in deposits as of December 31, 2015. With an emphasis on value, innovation and service, EverBank offers a broad selection of banking, lending and investing products to consumers and businesses. EverBank provides services to clients through the internet, over the phone, through the mail, at its Florida-based financial centers and at other business offices throughout the country. More information on EverBank can be found at http://about.everbank.

1. MarketSafe® CDs, if held to the Maturity Date, will have a guaranteed return of the deposited principal (“Principal Protection”). Principal Protection only applies to CDs held to maturity. In the event of Bank failure, the CD balance is FDIC insured up to $250,000. Your other deposits with EverBank will be aggregated with the MarketSafe CD with respect to the $250,000 maximum. Except in the event of death or adjudication of incompetence of the holder of the MarketSafe CD, you may not withdraw any part of the CD prior to maturity. If you do withdraw early, even if that is due to the death or adjudicated incompetency of the holder of the CD, you will NOT receive Principal Protection and will NOT benefit from any upside potential of the Reference Index, experiencing a loss of principal as an early withdrawal charge. See the MarketSafe Deposit Account Disclosures in the Account Terms, Disclosures and Agreements Booklet for more information.

2. These commodities are not being acquired by you or EverBank. The Market Upside Payment of this CD will be based on the weighted value of selected indices reflecting the performance of the stated commodities as measured on the Initial Value Date and on the established Pricing Dates, subject to a 70% cap for each commodity at each Pricing Date, as described in the Product Calculation Rules in the Term Sheet (the “Reference Index”). On each established Pricing Date, the interim prices for the commodities of the MarketSafe® Commodity Solutions CD (the “Interim Prices”) will be quoted from Bloomberg, using the following symbols: WTI Crude Oil=CL1 comdty, Gold=GOLDLNPM Index, Silver=SLVRLN Index, Soybeans=S1 comdty, Corn=C1 comdty, Sugar=SB2 comdty, Copper=LOCADY comdty, Nickel=LONIDY comdty. In the event Bloomberg fails to publish such prices for any one or all of the Reference Index components, EverBank reserves the right to use an alternative equivalent index or price determination in its discretion.

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