MARKETSAFE® COMMODITY SOLUTIONS CD

TERM SHEET

SERIES SUMMARY PRODUCT CALCULATION RULES

At maturity, your CD payment will be based on the results of the
Funding Deadline April 14, 2016 following calculations.
Issue Date April 25, 2016
ANNUAL PRICING DATE CALCULATIONS
All Interim Performance figures are subject to a cap of 70%
EverBank created the 5-year MarketSafe® Commodity Solutions
CD for those seeking safer exposure to commodities. This indexed, Calculate the Interim Annual Performance for each of the
U.S. dollar-denominated CD1 is based on the performance of the eight commodities (to two decimal places)

( )
following eight commodities: WTI Crude Oil, Gold, Silver, Soybeans,
Corn, Sugar, Copper and Nickel. Interim Price – Initial Price
Interim Performance (%) = 100 X
Initial Price
CD payments, including all deposited principal and a potential
Market Upside Payment, will be denominated in U.S. dollars and
paid upon CD maturity. The potential Market Upside Payment will FINAL CD PERFORMANCE CALCULATIONS
be based on the equally weighted value of the selected indices 1. Calculate the Average Interim Annual Performance for
reflecting the performance of the following eight commodities and each commodity (to two decimal places)

( )
subject to a 70% cap per commodity at each annual pricing:
Average Interim Sum of Interim Performances
• WTI Crude Oil =
Performance 5 (Number of Pricing Dates)
• Gold
• Silver
2. Calculate the Final CD Performance (to four decimal places)

( )
• Soybeans
• Corn
• Sugar Sum of Average Interim
CD Performance =
• Copper Performances
• Nickel 8 (Number of Commodities)
Please see the Product Calculation Rules, which describe in detail
how the potential Market Upside Payment is calculated. Even if there MARKET UPSIDE PAYMENT
is no Market Upside Payment, your deposited principal will always be If CD Performance is greater than 0%, then the Market Upside
100% protected and returned in full upon CD maturity.2 No periodic Payment is calculated as follows (subject to the 70% Interim
rate of interest or annual percentage yield is paid on this CD. Performance cap for each commodity at each Pricing Date):

SERIES DETAILS Deposited Principal ($) X CD Performance (%)

Minimum Deposit $1,500 FINAL CD PAYMENT AMOUNT AT MATURITY WILL EQUAL:

Weighted reference prices for WTI Crude
Reference Index Oil, Gold, Silver, Soybeans, Corn, Sugar,
Copper and Nickel as described above1
CD Term 5 years; early withdrawal is not permitted
Fees No monthly account fee
• 100% of your deposited principal plus the Market Upside Payment
if CD Performance is greater than 0%, or
• 100% of your deposited principal if CD Performance is less than
or equal to 0%2
The maximum Market Upside Payment for this CD is 70% of your
deposited principal. At a minimum, you will get your principal back.2

Initial Value Date April 21, 2016 Important disclosures and payout examples on reverse and
on the following page
Final Value Date April 21, 2021

Maturity Date April 23, 2021

Pricing Dates 5 annual pricing dates:

2017: 4/21, 2018: 4/23, 2019: 4/23,
2020: 4/20, 2021: 4/21
CD PAYOUT EXAMPLES
CASE 1: CD Performance is less than 0%. (Initial Deposit: $10K/Market Upside Payment: $0.00)
INTERIM CAPPED INTERIM
INITIAL PRICE INTERIM PRICE
PERFORMANCE (%) PERFORMANCE (%)

Year 1 WTI Crude Oil 30 33 10 10

Gold 1110 1110 0 0
Silver 1420 1491 5 5
Soybeans 880 836 -5 -5
Corn 370 362.6 -2 -2
Sugar 14 14.42 3 3
Copper 4450 4672.5 5 5
Nickel 8550 8721 2 2
Year 2 WTI Crude Oil 30 30 0 0
Gold 1110 1132.2 2 2
Silver 1420 1491 5 5
Soybeans 880 748 -15 -15
Corn 370 333 -10 -10
Sugar 14 14 0 0
Copper 4450 4895 10 10
Nickel 8550 9405 10 10
Year 3 WTI Crude Oil 30 27.9 -7 -7
Gold 1110 1221 10 10
Silver 1420 1533.6 8 8
Soybeans 880 792 -10 -10
Corn 370 333 -10 -10
Sugar 14 12.6 -10 -10
Copper 4450 4450 0 0
Nickel 8550 8550 0 0
Year 4 WTI Crude Oil 30 24 -20 -20
Gold 1110 1221 10 10
Silver 1420 1562 10 10
Soybeans 880 836 -5 -5
Corn 370 351.5 -5 -5
Sugar 14 12.6 -10 -10
Copper 4450 4227.5 -5 -5
Nickel 8550 8122.5 -5 -5
Year 5 WTI Crude Oil 30 15 -50 -50
Gold 1110 1276.5 15 15
Silver 1420 1562 10 10
Soybeans 880 924 5 5
Corn 370 407 10 10
Sugar 14 14 0 0
Copper 4450 3560 -20 -20
Nickel 8550 7267.5 -15 -15
WTI Crude Oil Average Interim Performance (%) -13.4
Gold Average Interim Performance (%) 7.4
Silver Average Interim Performance (%) 7.6
Soybeans Average Interim Performance (%) -6.0
Corn Average Interim Performance (%) -3.4
Sugar Average Interim Performance (%) -3.4
Copper Average Interim Performance (%) -2.0
Nickel Average Interim Performance (%) -1.6
CD Performance -1.85%
Market Upside Payment $0
CASE 2: CD Performance is positive and certain components reach the 70% Interim Performance Cap
(Initial Deposit: $10K/Market Upside Payment: $1,065)

INTERIM CAPPED INTERIM

INITIAL PRICE INTERIM PRICE
PERFORMANCE (%) PERFORMANCE (%)

Year 1 WTI Crude Oil 30 34.5 15 15

Gold 1110 1221 10 10
Silver 1420 1633 15 15
Soybeans 880 880 0 0
Corn 370 414.4 12 12
Sugar 14 15.12 8 8
Copper 4450 4895 10 10
Nickel 8550 10687.5 25 25
Year 2 WTI Crude Oil 30 31.5 5 5
Gold 1110 1387.5 25 25
Silver 1420 1562 10 10
Soybeans 880 792 -10 -10
Corn 370 444 20 20
Sugar 14 14.7 5 5
Copper 4450 5117.5 15 15
Nickel 8550 15390 80 *70 CAP
Year 3 WTI Crude Oil 30 29.4 -2 -2
Gold 1110 1387.5 25 25
Silver 1420 1604.6 13 13
Soybeans 880 836 -5 -5
Corn 370 518 40 40
Sugar 14 13.3 -5 -5
Copper 4450 4672.5 5 5
Nickel 8550 8977.5 5 5
Year 4 WTI Crude Oil 30 25.5 -15 -15
Gold 1110 1942.5 75 *70 CAP
Silver 1420 1633 15 15
Soybeans 880 880 0 0
Corn 370 370 0 0
Sugar 14 13.3 -5 -5
Copper 4450 4450 0 0
Nickel 8550 8550 0 0
Year 5 WTI Crude Oil 30 16.5 -45 -45
Gold 1110 1332 20 20
Silver 1420 1633 15 15
Soybeans 880 968 10 10
Corn 370 740 100 *70 CAP
Sugar 14 14.7 5 5
Copper 4450 3782.5 -15 -15
Nickel 8550 7695 -10 -10
WTI Crude Oil Average Interim Performance (%) -8.4
Gold Average Interim Performance (%) 30.0
Silver Average Interim Performance (%) 13.6
Soybeans Average Interim Performance (%) -1.0
Corn Average Interim Performance (%) 28.4
Sugar Average Interim Performance (%) 1.6
Copper Average Interim Performance (%) 3.0
Nickel Average Interim Performance (%) 18.0
CD Performance 10.65%
Market Upside Payment $1,065

Important disclosures on reverse *Component performance capped at 70% for each component on each interim annual pricing date
1. 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.
2. 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.
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 will look to the most recent available data for index values. 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 a 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 COMMODITIES MARKETS. 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.

© 2016 EverBank. All rights reserved. 16MCM0262.01