Multiple currencies in one CD. What an innovative idea.

You'll appreciate greater diversity from combined currencies

WorldCurrency Certificates of Deposit - Multi-currency

When seeking greater global diversity, our WorldCurrency^® Index Certificates of Deposit could be great additions to your portfolio. We offer a selection of CDs each comprised of multiple foreign currencies from countries with specific regional strengths, and/or geopolitical and economic characteristics.

WorldCurrency Index CD Yields - $20,000 ($US) Minimum Deposit

Annual Percentage Yield (APY)²
Rates as of 11/20/2009 12:00:00 AM

		3 month		6 month
Multi-currency CDs	Currencies	Rate	APY	Rate	APY
Commodity Index CD Comprised of 4 currencies from commodity-based countries.	Australian dollar - 25% Canadian dollar - 25% New Zealand dollar - 25% South African rand - 25%	2.00%	2.02%	2.25%	2.26%
Debt-Free Index CD Comprised of 5 currencies from countries with a history of strong balance of payments.	Australian dollar - 20% Brazilian real - 20% Japanese yen - 20% Singapore dollar - 20% Swiss franc - 20%	1.30%	1.31%	1.35%	1.35%
Euro Trax® Index CD Comprised of 4 currencies from countries with strong economies.	Euro - 40% Norwegian krone - 20% Swedish krona - 20% Swiss franc - 20%	0.10%	0.10%	0.10%	0.10%
European Opportunity Index CD Comprised of 3 currencies from countries transitioning to the euro.	Hungarian forints - 37.5% Polish zloty - 37.5% Czech koruna - 25%	1.83%	1.84%	1.83%	1.84%
Geographic Index CD Comprised of 4 currenices from 4 different continents.	Australian dollar - 25% Euro - 25% Hong Kong dollar - 25% Mexican peso - 25%	1.44%	1.45%	1.56%	1.57%
Global Power Shift Index CD Comprised of 4 currenices from resource rich countries.	Australian dollar - 25% Brazilian real - 25% Canadian dollar - 25% Norwegian krone - 25%	1.75%	1.75%	1.80%	1.80%
Investor's Opportunity Index CD Comprised of 4 currencies from growing economies.	Mexican peso - 40% Australian dollar - 20% Euro - 20% New Zealand dollar - 20%	1.70%	1.71%	1.90%	1.91%
New World EnergySM Index CD Comprised of 3 non-middle eastern energy producing countries.	Australian dollar - 33.3% Canadian dollar - 33.3% Norwegian krone - 33.3%	0.85%	0.85%	0.95%	0.95%
Pacific Advantage® Index CD Comprised of 4 major currencies from the Pacific region.	New Zealand dollar - 40% Hong Kong dollar - 20% Japanese yen - 20% Singapore dollar - 20%	0.35%	0.35%	0.40%	0.40%
Pan-AsianSM Index CD Comprised of 4 major currencies from the Pan-Asian region.	Australian dollar - 40% Hong Kong dollar - 20% Japanese yen - 20% Singapore dollar - 20%	0.50%	0.50%	0.55%	0.55%
Petrol Index CD Comprised of 3 major currencies from non-Middle Eastern oil producing and exporting nations.	British pound - 33.3% Mexican peso - 33.3% Norwegian krone - 33.3%	1.37%	1.38%	1.45%	1.46%
Prudent Central Bank Index CD Comprised of 4 major currencies from countries with strong, inflation-fighting Central Banks.	Australian dollar - 25% British pound - 25% Euro - 25% New Zealand dollar - 25%	0.87%	0.87%	1.00%	1.00%
Ultra Resource Index CD Comprised of 6 currencies equally weighted.	Australian dollar - 16.6% Hong Kong dollar - 16.6% Canadian dollar - 16.6% New Zealand dollar - 16.6% Norwegian krone - 16.6% Singapore dollar - 16.6%	0.65%	0.65%	0.75%	0.75%
Viking Index CD Comprised of 3 currencies from Nordic countries.	Norwegian krone - 40% Danish krone - 30% Swedish krona - 30%	0.20%	0.20%	0.20%	0.20%
World Energy Index CD Comprised of 4 non-middle eastern energy producing countries.	Australian dollar - 25% British pound - 25% Canadian dollar - 25% Norwegian krone - 25%	0.69%	0.69%	0.75%	0.75%

Your WorldCurrency Index CD includes the EverBank^® Asset Manager Service , which automatically combines all of your banking, World Markets and other EverBank investment accounts into one relationship.

What should I consider before I open a foreign currency account at EverBank^®?

We feel it's important to assess your tolerance for the risks associated with currency fluctuations. While FDIC insurance will protect you from bank failure up to $250,000 (until December 31, 2013), currency values can be affected by various geopolitical and economic influences and this can negatively and positively impact the amount of your deposit. We recommend that you carefully consider both the potential for currency appreciation (or loss) along with the rate of interest that you may earn when assessing the use of foreign currency products as part of a broadly diversified investment strategy.

We encourage you to use our foreign currency resources to educate yourself about currency investing and the factors that influence currency values.

What can you tell me about any risks associated with WorldCurrency Index CD accounts?

While FDIC insurance will protect you from bank failure up to $250,000 (until December 31, 2013), it's important to understand that your deposit will be susceptible to losses or gains due to currency-price fluctuations. Various geopolitical and economic influences can affect a currency's value. We recommend that you carefully consider both the potential for currency appreciation (or loss) along with the rate of interest that you may earn when assessing the use of foreign currency products as part of a broadly diversified investment strategy.

I'm interested in opening a WorldCurrency Index CD account, what's my next step?

Please note: Not all investments are right for all investors. You should conduct your own research and/or consult with an investment advisor before making any investment.