EverBank WorldCurrency CDs* (Single Currency)

EverBank offers a variety of foreign-denominated CDs and money markets. Returns are based on a fixed interest rate currently ranging from 0.00% to 6.50% (depending upon the country) and potential appreciation in the selected currency vs US dollar. If the selected currency loses value versus the US dollar an investor could lose money. FDIC-insurance only applies toward solvency of EverBank. Minimum deposit is $10,000 for WorldCurrency (single currency) CDs, and $20,000 for WorldCurrency Index (multi-currency) CDs. The foreign currencies available include:

Australian Dollar, Brazilian Real, British Pound, Canadian Dollar, Czech Koruna, Danish Krone, Euro, Hong Kong Dollar, Icelandic Krona, Indian Rupee, Japanese Yen, Mexican Peso, New Zealand Dollar, Norwegian Krone, Singapore Dollar, South African Rand, Swedish Krona, and Swiss Franc.

For more details or to apply online click here.

EverBank WorldCurrency Index CDs*

Debt-Free Index CD: Comprised of 5 currencies from countries with a history of strong balance of payments

20% Australian dollar, 20% Brazilian real, 20% Japanese yen, 20% Singapore dollar, 20% Swiss franc

Commodity Index CD: Comprised of 4 currencies from commodity-based countries

25% Australian dollar, 25% Canadian dollar, 25% New Zealand dollar, 25% South African rand

Euro Trax�® Index CD: Comprised of 4 currencies from countries with strong economies

40% Euro, 20% Norwegian krone, 20% Swedish krona, 20% Swiss franc

European Opportunity Index CD: Comprised of 3 currencies from countries transitioning to the euro

37.5% Hungarian forints, 37.5% Polish zioty, 25% Czech koruna

Geographic Index CD: Comprised of 4 currencies from 4 different continents

25% Australian dollar, 25% Euro, 25% Hong Kong dollar, 25% Mexican peso

Investor's Opportunity Index CD: Comprised of 4 currencies from growing economies

40% Mexican peso, 20% Australian dollar, 20% Euro, 20% New Zealand dollar

New World Energy^SM Index CD: Comprised of 3 non-middle eastern energy producing countries

33.3% Australian dollar, 33.3% Canadian dollar, 33.3% Norwegian krone

Pacific Advantage^SM Index CD: Comprised of 4 major currencies from the Pacific region

40% New Zealand dollar, 20% Hong Kong dollar, 20% Japanese yen, 20% Singapore dollar

Pan-Asian^SM Index CD: Comprised of 4 major currencies from the Pan-Asian region

40% Australian dollar, 20% Hong Kong dollar, 20% Japanese yen, 20% Singapore dollar

Petrol Index CD: Comprised of 3 major currencies from non-middle Eastern oil producing and exporting nations

33.3% British pound, 33.3% Mexican peso, 33.3% Norwegian krone

Prudent Central Bank Index CD: Comprised of 4 major currencies from countries with strong, inflation-fighting Central Banks

25% Australian dollar, 25% British pound, 25% Euro, 25% New Zealand dollar

Viking Index CD: Comprised of 3 currencies from Nordic countries

40% Norwegian krone, 30% Danish krone, 30% Swedish krona

World Energy Index CD: Comprised of 4 non-middle eastern energy producing countries

25% Australian dollar, 25% Canadian dollar, 25% British pound, 25% Norwegian krona

See details including current rates and yields

* An EverBank deposit account is insured by the FDIC for up to $250,000 (through December 31, 2009). FDIC insurance covers against loss due to the failure of the institution, but not market-related fluctuations, including changes in currency prices. The amount of deposit insurance available for funds denominated in foreign currency will be determined and paid in the United States dollar equivalent of the foreign currency on the institution's date of default. As with all investments, investors can lose money, including principal due to currency fluctuations, over the term that you own it. Please only invest with money that you can afford to risk, and as part of a broadly diversified investment strategy.

Posted 3/9/09