BETTER BANKING FOR YOU FRANCISCO NASCIMENTO PER.4 Ever Bank

Personal Banking  Interest Checking  High yield savings  High yield money market  High yield CD  CDARS CD  Credit card Lending  Traditional mortgages  Jumbo mortgages Investing  Foreign currencies  Market safe CD  Precious metals  Brokerage

Personal-Banking Interest checking- Earn more interest, always!  0.61 annual percentage yield  No minimum balance to earn interest  No debt card fees  Relates always in the top 5% of competitive accounts Yield pledge checking: minimum opening balance $1,500 Minimum balance to earn interest $0 Debit card fees $0 Ever bank ATM fee $0 ATM reimbursements unlimited Online and mobile banking free Make deposits from home free $50 satisfaction guarantee yes Additional online security yes

Personal-Banking High yield savings- Grow your savings with high yield! .0.76 annual percentage yield  No minimum balance to earn interest Yield pledge savings account Minimum opening balance $1,500 Minimum balance to earn interest $0 Withdrawals/transfers 6/mo Online and mobile banking Free Make deposits from home Free Available as in IRA Yes Additional online security yes

Personal-banking High yield money market- earn more for your money  No minimum balance to earn interest .0.76 annual percentage yield  Relates always in the top 5% of competitive accounts Yield pledge money market Minimum opening balance $1,500 Minimum balance to earn interest $0 Withdrawals/transfers 6/mo Online and mobile banking Free Make deposits from home free Available as an IRA yes Paper checks yes Additional online securtiy yes

Personal –banking High yield CD-increase your savings .85 annual percentage yield  Minimum deposit $1,500  Terms from 3 months to 5 years  Maturity notification: 20 days Yield pledge money market Minimum deposit $1500 Maturity notification yes Terms from three months to five years yes Automatic roll over yes Available as an IRA yes

Personal -banking CDARS CD- Access FDIC insurance coverage on multi- million dollar CD deposits  0.19 annual percentage yield  Terms for 3 months to 3 years CDARS CDs Minimum deposit $10,000 Terms from three months to three years yes Account fees $0 Set up charges $0

Personal -Banking Credit card- enjoy a low credit card rate with flexible rewards  10 percent Evercard visa platinum credit card Annual fee $0 Rewards program Free View transactions online Free Automatic payment option Yes Auto rental insurance Yes Travel accident insurance Yes Travel and emergency assisstance yes

Personal-lending Traditional mortgages- Dedicated team of mortgage specialists that makes a difference Todays rates TERMRATEAPR 30-yr fixed 3.875% 4.001% 15-yr fixed 3.375%3.531% 5/1 ARM %3.193%

Personal-lending Jumbo mortgages- Borrow up to $3 million at a great mortgage rate Todays rates TermRateAPR 15-yr fixed %4.020% 5/1 ARM %3.143% 7/1 ARM %3.334% 10/1 ARM %3.161%

Personal-investing Foreign currency- Diversify with the world's major currencies World currency accounts  World currency CD= Earn interest at local rates for specific currencies  World currency basket CD= Get a strategic mix of currencies in a single CD designed to offer currency diversification  World currency access deposit account= Transfer money between major currencies in a global deposit account

Personal-investing Market safe CD- Get returns linked to the markets—without the risks Low minimum deposit$1,500 Deposited principal protection 1 100% Market risk 2 0 Monthly fees$0 TermsVaries FDIC insured 1 Yes Available as an IRAYes

Personal-investing Precious metals- Strengthen your portfolio with a Metals Select Account  According to many financial experts, diversifying in precious metals can be a sound and strategic financial decision for your portfolio. With a tendency to perform well during times of economic uncertainty, 2 metals may help you to hedge against inflation and maintain purchasing power. For these reasons, many investors choose to include metals in their overall diversification strategies. For others, however, metals may not be appropriate as they do tend to be volatile and can lose value.

Personal-investing Brokerage - Broaden your investment options—globally & domestically  22 foreign exchanges  World bonds  Over 200 mutual fund families Trade the way that works best for you Online Trading Broker Assisted Trading U.S. Equities$8$30 Global Equities n/a $35 plus any applicable Euroclear charges Options $10 + $1/contract $25 + $1.50/contr act Mutual Funds $20$25

business Accounts  Checking account  Money market account  Certificate of deposit  CDARS CD  Credit card Solutions  Cash management  Global transactions  Small business banking

Business-accounts Checking account- Switch to checking that meets your unique business needs Mid to large businesses Small businesses Non-Profits Business Interest Checking Small Business Checking Non-Profit Checking Business Analysis Checking Small Business Banking Business Checking

Business-accounts money market account- Build up your business funds with a great rate  Initial deposit: $1,500  Monthly fee: $0  Withdrawals & transfers/mo: 6 . 71% APY Business Money Market Initial deposit$1,500 Monthly fee with average daily balance of $5,000 each month $0 Minimum balance to earn interest $0 Withdrawals & transfers per month 2 Yes Available as an overdraft protection option with no monthly fee Yes 6-months credit monitoring Free

Business-accounts Certificate of deposit- Build up your business savings with a high yield CD o 1.90% APY (5-yr)  Minimum deposit: $1,500  Maturity notifcation: 20 days  Terms from 3 months to 5 years Business CD Initial deposit $1,500 Monthly fee $0 Terms from 3- month to 5-years Yes Automatic rollover Yes Notification sent 20 days prior to maturity Yes

Business-accounts CDARS CD- Access FDIC insurance coverage on multi-million dollar CD deposits  Access multi-million dollar FDIC insurance coverage 1 from many banks—but just work with one. Through the CDARS network, funds will be distributed to eligible banks for FDIC coverage. While CDs will be opened for you at these banks, you’ll just deal solely with EverBank. No need to manage multiple bank relationships or monthly statements.  0.19% APY

Business-accounts Credit card- Get a card that delivers spending controls & flexible rewards Annual fee$0 Optional rewards program 2 Free Issue cards to designated employees and set individual card credit limits and usage Yes Access detailed expense reports to help with budget planning Yes Make online credit card paymentsYes Complete ACH payments from any accountYes 24/7 credit card customer supportYes Auto Rental insurance coverageYes Liability waiver program on issued cardsYes Travel & emergency assistanceYes

Business- solutions Cash management-Access cash management services tailored for your business  Wide array of accounts & services that can keep your business running smoothly  Flexible cash flow solutions to handle low to high volumes  Experienced & dedicated specialists that will match your needs with the right solution, for example: Small Business with bookkeeping concerns Middle-market company with payroll and fraud concerns Large business with international concerns

Business-solution Global transactions- Compete globally with affordable international business solutions Make international payments through a foreign exchange service focused on small to midsize business needs Business Foreign Exchange» Send and receive payments in a foreign currency through an FDIC- insured currency deposit account 1 WorldCurrency Access ® Deposit Account» Hold balances in a foreign currency to avoid unnecessary conversion fees 2 Make foreign currency wire transfers online Business Online Banking» Send and receive drafts in a foreign currency World Markets SM Desk Execute trades in over 20 foreign exchanges EverTrade ® Direct Brokerage

Business-solutions Small business banking- Reduce fees by combining accounts & services share balance across 3 accounts & save.  Business Checking  Business Money Market  Yield Pledge ® Checking