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 personal accounts? We're ready to get you started—simply apply online today.

EverBank personal banking rates

Delivering valued-added solutions to a wide range of customers

With $11.2 billion in assets and the support of approximately 2,200 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. Over 700,000 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 2010. EverBank assets and deposits are currently $11.2 billion and over $9.0 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 2010 performance

     *  Record net income of $46 million, a 52% increase from 2009

     *  Asset growth of 49% during the year to over $11 billion

     *  Bank deposit growth of 56% during the year, an increase of
        over $2.1 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.

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.

Multiple currencies in one CD. Get a return that's powered by rising commodity prices.

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?

     *  To act as a compensating deposit for you.

     *  To lend credibility to you and your business.

     *  To demonstrate your willingness to cooperate with your bank
         and it’s growth.

     *  To save your bank money in advertising or brokering CD
         deposits.

     *  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 arena.

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.

Going public is a powerful tool if used properly. As a public company you gain a great deal of prestige and credibility that you don’t have as a private company. This prestige and credibility can make it easier to raise capital.

Public companies typically get huge valuations; so, when you’re raising capital as a public company, not only is it easier because of the credibility, but you can give away a much smaller percentage of the company for the amount of capital you raise because of the increased valuation a public company usually receives when compared to the same exact private company.

We introduce our clients to our vast network of investment funding sources, institutional funds, and investment banks. Most investment banks and funds will not invest in private companies. Going public gives you access to public capital. Raising money as a public company is a much better deal because of the higher valuation the public company usually receives. Venture capital and private equity capital are the most expensive in that they want a larger percentage of your company.

As a public company, if you follow certain guidelines, including registering stocks with the Securities and Exchange Commission, you can even advertise to the general public for investors to buy your stock. This is prohibited for private companies. This levels the playing field and makes it easier to raise capital.

There are over 15,000 public companies. Many people think going public is an unattainable and far away dream. Any company, including a start-up, can go public. If you trade on the Over-The-Counter Bulletin Board you have to be audited one time per year and file a quarterly report. On the Over-The-Counter Pink Sheets you do not have to file quarterly, and you do not have to have a yearly audit.

As a public company, you can create investor awareness by advertising a properly registered offering. You can also trade stock in a public company for all kinds of assets and services. You can even trade your stock for free advertising with large groups that barter millions of dollars worth of advertising. They are highly motivated since TV, radio, magazine, and newspaper ads are only good up to a certain time; so, if they can receive some publicly traded stock, they are highly motivated to do these types of transactions.

The fact that you can use public stock and trade it to acquire assets, goods, services & advertising alone makes the cost of going public worthwhile.

We provide a complete package of services and you are guided by the president of our company every step of the way. He has been a Securities Attorney for over 30 years and will assist you through the entire going public process. Your company will trade with its own ticker symbol and its stock can be purchased from stock brokers, or through online stock brokerage firms.

Our services also include investor relations and introductions to our huge proprietary network of over 6,000 capital sources, including investment banks, investment funds, and institutions. You can also advertise an SEC registered public offering to the general public and we have the know-how to do so. Our services can include investor relations and financial public relations.

Our knowledge, experience, and expertise in taking companies public coupled with our connections and relationships with capital raisers, angel investors, bridge capital sources and investment banks is why we are the acknowledged leader in taking companies public.

Please give us a call when you are ready to go public. We strongly recommend that you request the following reports:

     *  Pink Sheets Reports

     *  Even Fine Lawyers

     *  Raising Capital

     *  Go Public Reports 

     *  IBA and Financing a Public Company 

     *  Go Public Fast Without Audited Financial

     *  Recent Go Public News

_________________________

     *  Investment Bankers Association and Financing a Public
        Company DBL

     *  MBE Article

     *  Raise Capital and Go Public

     *  Go Public Benefits Report 

     *  Going Public and Franchises

Thanks for your time.

Best Regards,
Anthony A. Graham, Sr.
Business Consultant/Advisor