Graham Financial Associates

EverBank® offers a variety of bank products and services from checking, high yield online savings, CD accounts and more!

Every company has a story to tell. For the EverBank® Family of Companies, it all began many years ago in Jacksonville, Florida—recognized today as one of America's fastest-growing cities, a thriving financial center, and home to the corporate headquarters for EverBank and its Family of Companies.

From the start, we've aligned with other industry leaders equally committed to exceptional service—those with a proven expertise in particular financial arenas.

Equally central to our growth and success has been a willingness to evolve with the times and lead with the kind of entrepreneurialism that enables brilliant ideas to come to fruition and innovative, award-winning financial products and services to be brought to market.

Ready to start earning more money from your checking account? We're ready to get you started—simply apply online today.
Great first year APY of 2.15% with 3-month Bonus rate of 3.01%

Delivering valued-added solutions to a wide range of customers

With $7.6 billion in assets and the support of approximately 1,500 employees, the EverBank® Family of Companies builds upon a long-standing commitment to deliver innovative banking, lending, and investment products and services of exceptional value. Nearly 525,000 customers benefit from our high yields on checking, saving and lending products, unique global market products such as foreign currency CDs, and award-winning Online Banking service.

Official EverBank Site, FDIC-Insured, High-Yield CDs, Safely Secure Large Deposits, www.EverBank.com

Stability and growth despite market conditions
In light of recent volatility within the financial services industry, EverBank® remains stable. EverBank enjoyed strong growth during 2008. EverBank assets and deposits are currently $7.6 billion and over $5.0 billion, respectively.

Our ability to thrive in both healthy and volatile markets validates our balanced business model. Our record increase in assets coupled with our deep deposit base positions EverBank for substantial growth.

Our 2008 performance

• Record net income of $46 million, a 52% increase from 2007
• Asset growth of 28% during the year to over $7 billion
• Bank deposit growth of 29% during the year, an increase of $1.1 billion and the largest annual deposit growth in company history to over $5 billion

FDIC Insurance. Is Your Bank FDIC-Insured? What Does it Mean For Your Money? www.EverBank.com

A balanced business model that withstands market turmoil
EverBank's diversification strategy remains a key component in our ability to prosper during both strong and unstable market conditions. A disciplined approach to banking, combined with strong underwriting guidelines, allowed EverBank to avoid volatility in the housing market. EverBank avoided offering sub-prime or exotic lending products. Our conservative approach helped us maintain annualized net charge-offs of 0.35% in 2008, significantly below industry standards (61% lower than Office of Thrift Supervison peer group average).

Financial stability and a strong capital position
Due to our strong earnings growth, EverBank is fortunate to have a very healthy capital base. Our core deposits are tied to customers and our growth represents both a strong customer base and a more stable liquidity resource. We're well positioned to explore new business opportunities, keep up with credit demands and weather additional market volatility.

Financial News - Gain Market Insights For Free. The Daily Pfennig.  Learn More. www.EverBank.com

EverBank, FDIC insured.

Graham Financial Associates is dedicated to helping indivduals and business, Large and small establish strong banking relationships and achieving their financial objectives.

We provide expert assistance to our clients for achieving their financial goals through education, use of Compensating Balance Deposits and assistance with obtaining private capital.

Borrowing made easier by having us by CDs in your bank

“Money for Rent” is a courtesy deposit made “at your request” in the form of Certificates of Deposit accepted by your Bank, Savings and Loan or Credit Union for a specific time at a specific rate of interest.

What is the value of Courtesy Deposits?

1. To deposit in your bank the money to loan to you.
2. To act as a compensating deposit for you.
3. To lend credibility to you and your business.
4. To demonstrate your willingness to cooperate with your bank and it’s growth.
5. To save your bank money in advertising or brokering CD deposits.
6. To give your banker the incentive to want to do business with you.
   
   

How Does It Work?

We will discuss $99,000 or $100,000 deposits or more for a period of one year for our purpose. This is commonly known as a “JUMBO CERTIFICATE”. Our deposits in your Bank will be designated “Deposits made at the request of your name”.

Since these CDs must be FDIC insured, they must be within the insuring agency’s guidelines.

It must be understood that our courtesy deposits are trust funds and CANNOT be put in jeopardy or used to collateralize your loan; nor can they be used to guarantee your loan. It is clearly understood with your bank that they do not have the right of offset against our deposits. Any misrepresentation of these terms to any involved party could increase transfer expenses or make the transaction not viable. It is required that you pay, in advance, our retainer fees by wire transfer made payable to our associate, Trust Account. Our deposits can range from $99,000 or $100,000 minimum to $10,000,000. Larger deposits can be arranged by special request. In the event we cannot confirm the deposits to your bank within 10 banking days ( on deposits up to $10,000,000) and provided our terms have been adhered to, your funds are fully refundable. Deposits over $10,000,000 may require additional time.

Deposits will be transmitted to your bank by wire transfer and will be designated “DEPOSITS MADE AT THE REQUEST OF YOUR NAME”. All movements of depository funds, when confirmed , are considered final.

Whether or not our deposits made in your bank accomplish your desired result is NOT the responsibility of our associate, its affiliates or it’s agents. We never get involved with your transactions with your bank. Your transaction is between you and your bank.

How Do We Make Our Profit?

We charge a fee for our service (request our fee schedule). That fee is used to enhance the interest rate of the CDs. In other words, if the bank is paying 3.0% interest on jumbo deposits and you are paying us a 5.5% retainer fee on the deposit, we earn a gross of 8.5% interest for one year on an FDIC insured CD.

In fact, due to rising loan to deposit ratios of many institutions we are seeing a rise in the number and size of transactions. Have you seen the ads recently from banks offering cars for people who open certain size depository accounts? Banks need deposits more than ever to make loans. If you have clients with a bankable loan and offer the bank a compensating balance deposit to ensure it is funded, this is a great marriage.

The most recent development to dramatically affect our Money for Rent Program was the extension of the Emergency Economic Stabilization Act which gives depositors up to $250,000 of FDIC insurance coverage until December 31, 2013. This change will make it much easier and faster for us to complete larger transactions. Although the majority of the requests are from $100,000 to $5.0 mm; We know that amount will move up to $10.0 mm and up area.

If you have a relationship with a bank and they need deposits, do not hesitate to call or email me. These deposits do not need a transaction associate with them. Although we focus primarily on compensating balance deposits in our literature, we do make straight brokered deposits into banks. In fact almost all banks in this country are now carrying some level of brokered deposits.

Renaissance Capital:

Graham Financial Associates is now associated with a consortium that includes individuals, private, and Institutional Capital in amounts from $5.0 mm to $500.0 mm both domestically and overseas. These funds are available for any investment grade/principle protected transactions including:

• Investment programs/ trading platforms.
• Principle Protected / Structured Note investments (Medium Term Notes).
• Major Commercial Projects that are backed by a Bank Guarantee or Financial Guarantee Bond. This includes projects that are backed by Muni Bonds or TIG Bonds.
• Bridge and Mezzanine financing where there is an investment grade takeout.

This capital remains extremely popular due to the 25 to 1 leverage it provides for certain investment transactions.

If you have any questions on any funding request please do not hesitate to call or email me.

I look forward to hearing from you and completing some profitable business.

Please also send us updates on any address or phone changes you may have so I may keep my records accurate.