EverBank Class Action
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In May 2009 (shortly after this lawsuit was filed) EverBank gave notice that it had changed its Terms and Conditions Disclosure regarding conversion rates.  Compare the old policy and the May 2009 policy:
(Immediately previous version)

2.7. THE WORLDCURRENCY CERTIFICATE OF DEPOSIT (CD) ACCOUNT
2.7.1. Conversion Information: This account will be used to hold funds denominated in a currency other than U.S. dollars. If you request funds in this account to be denominated in a currency other than the currency sent to us to fund the account, we will convert your funds using a then current conversion rate set by us. Your currency conversion rate will be within 1% of the wholesale spot price we pay for your currency. Exceptions may occur when a specific conversion rate is agreed upon between you and us.
(May 2009 version)

2.7. THE WORLDCURRENCY CERTIFICATE OF DEPOSIT (CD) ACCOUNT
2.7.1. Conversion Information:
This account will be used to hold funds denominated in a currency other than U.S. dollars. If you request funds in this account to be denominated in a currency other than the currency sent to us to fund the account, we will convert your funds using a then current conversion rate set by us.
Currency conversions are based on the market rate that we determine to be available to us at the time of the currency exchange. Your conversion rate will generally be within 1% of that market rate. Exceptions may occur when a specific conversion rate is agreed upon between you and us or as described in our Foreign Currency Deposit Account Disclosure. The specific conversion rate that you will receive for any currency exchange is not published in any newspaper, website or other publicly available source. Websites and other publications may from time to time publish indicative rates or "spot rates" for certain foreign currencies. However, those published rates may change frequently and quickly, usually only reflect possible rates for large volume, institutional transactions, and usually are not available to our customers.
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