MARKETSAFE® TREASURY CD

TERM SHEET

SERIES SUMMARY PRODUCT CALCULATION RULES

Funding Deadline June 11, 2014
Issue Date June 23, 2014
Performance of the new 5-year MarketSafe Treasury CD will track
the 10-year Treasury yield and includes the potential for enhanced
earnings via a 3.3 leverage factor.1
CD payments will be denominated in U.S. dollars. At maturity,
the CD will deliver an upside payment based on the performance
of the 10-year Treasury yield multiplied by a leverage factor of
At maturity, your CD payment will be based on the results of the
following calculation formula.
FINAL CD PAYMENT AMOUNT WILL EQUAL:
• 100% of your deposited principal plus the Market Upside Payment, or
• 100% of your deposited principal if no gain in market performance
MARKET UPSIDE PAYMENT
Participation Factor (100%) X CD Performance
CD PERFORMANCE

3.3. However, if there is a negative performance, your deposited
principal will be 100% protected and returned in full upon CD
maturity.2 No periodic rate of interest or annual percentage yield is
paid on the CD.
( )
Yield at Maturity – Initial Yield % X 3.3 X Deposited Principal
Note: If the Treasury yield at CD maturity is less than the initial yield,
CD performance will equal zero.

SERIES DETAILS
PAYOUT EXAMPLES
Minimum Deposit $1,500 Based on initial Treasury yield of 2.6% and $10K in deposited principal
Reference Index 10-year Treasury yield1
Treasury Yield Difference Leverage Net Return Deposit Value
CD Term 5 years; early withdrawal is not permitted2 at Maturity (%) (%) Factor (%) at Maturity ($)

Fees No account fees 6.00 3.40 3.3 11.22 11,122

IRA Eligible Yes3 3.00 0.40 3.3 1.32 10,132

Initial Value Date June 18, 2014 2.00 -0.60 3.3 0.00 10,000

Final Value Date June 18, 2019

We make no representation and have given you no advice concerning
Maturity Date June 21, 2019 the appropriate accounting treatment or possible tax consequences
of these indicative transactions.
Pricing Dates June 18, 2014
June 18, 2019

Participation Factor 100%

Leverage Factor 3.3

Important disclosures on reverse

1. The Initial and Final Values for the 10-year Treasury yield shall be quoted from Reuters, FRBCMT. In the event Reuters fails to publish the yield for this
bond, EverBank reserves the right to use an alternative index or price determination in its discretion.
2. 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, possibly experiencing a loss of principal as an early withdrawal charge. Please see Account
Terms, Disclosures and Agreements Booklet.
3. EverBank is not the custodian for all IRAs. You may need to establish a custodial account with a predetermined and unaffiliated third party to maintain
your IRA at EverBank. This third party may charge a fee for its service.
NOTE PERTAINING TO MARKET DISRUPTION: EverBank will attempt to acquire pricing for the Initial Value, Final Value and Pricing Dates in the
marketplace on a best efforts basis. If pricing details are not available as a result of a market disruption event when EverBank is preparing to issue a CD,
then EverBank will either attempt to obtain the last price quoted in the market or may, in EverBank’s discretion, not issue the CD. If a market disruption
occurs at a Pricing Date or when the CD is maturing, EverBank may look to the most recently available data to determine pricing. In either instance,
EverBank will not be held liable for disruptions in the market that prevent the pricing and/or settlement of currencies or their associated derivatives in
accordance with the terms and conditions of this MarketSafe CD.
OID: See MarketSafe Certificate of Deposit Terms & Conditions for information related to tax implications, if you do not hold this Product in a qualified
tax-deferred account. The Deemed Interest Rate will be based on the comparable EverBank Yield Pledge CD rate for an equivalent term. Final rate for
purposes of OID will be determined on the Close Date of the Offering Period and reflected on the confirmation.
The MarketSafe CD is a deposit product of EverBank. Therefore, it is not subject to the securities registration, disclosure or other regulatory obligations
of the federal securities laws. This term sheet does not constitute a recommendation to engage in any particular trading strategy. The terms outlined
herein are summary and indicative only and are subject to change. EverBank reserves the right to change the Funding Deadline, Issue Date and
corresponding Maturity Date to a later date, in the event that an issue is, in EverBank’s sole opinion, under-subscribed. EverBank reserves the right
to cancel an under-subscribed MarketSafe CD issue prior to the Issue Date. In the event of cancellation of an issue, funds held in a MarketSafe Cash
Account will be returned to you, including accumulated interest.
PLEASE NOTE THAT THIS PRODUCT MAY NOT BE SUITABLE FOR SOME DEPOSITORS. YOU SHOULD NOT DEPOSIT YOUR MONEY IN THIS PRODUCT
IF YOU DO NOT HAVE THE INTENT OR ABILITY TO KEEP YOUR DEPOSIT IN THIS PRODUCT FOR THE FULL TERM. YOU SHOULD NOT DEPOSIT YOUR
MONEY IN THIS PRODUCT IF YOU WANT AN INVESTMENT THAT FLUCTUATES DIRECTLY WITH THE MARKET. YOU ARE NOT INVESTING IN AN INDEX BY
PLACING OR DEPOSITING YOUR MONEY IN THIS DEPOSIT PRODUCT. PAST PERFORMANCE OF THE REFERENCE INDEX IS NO GUARANTEE OF FUTURE
PERFORMANCE.

14MCM0062.01
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