It's a big world with plenty of opportunities to grow and diversify your money. All that was missing was the right bridge. We've got better ideas as to how and where to plant your money.
From now through May 7, 2015, expose your financial portfolio to the full upside potential of six of the world's most enticing emerging market currencies.1 The CD offers 100% protection of all deposited principal2 and comes at a time when the U.S. dollar is hot and the 5-year currency upside potential strong.
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These currencies are not being acquired by you or EverBank. The upside payment of this U.S. dollar denominated CD will be based on the equally weighted value of the performance of these currencies against the U.S. dollar as measured on the established Pricing Dates (the “Reference Index”). The fixing prices per U.S. dollar (the “Fixing Prices”) for the Turkish lira, Mexican peso, Indian rupee, Chinese renminbi and Brazilian real shall be quoted from Reuters on the Initial Value Date, Final Value Date and semi-annual Pricing Dates, using the following: Turkish lira-ECB37 (2:15 p.m./Frankfurt), Mexican peso-WMRSPOT11 (4:00 p.m./London), Indian rupee-RBIB (12:30 p.m./Mumbai), Chinese renminbi-SAEC (9:15 a.m./Beijing) and Brazilian real-BRFR (1:15 p.m./Sao Paulo). The Fixing Price for the Indonesian rupiah shall be quoted from Bank Indonesia on the Initial Value Date, Final Value Date and semi-annual Pricing Dates (10:00 a.m./Jakarta). The “Average of 10 Semi-Annual Fixing Prices” for any one currency shall be the simple average of the Fixing Price of that currency as of the 10 semi-annual Pricing Dates. In the event Reuters or Bank Indonesia fails to publish such prices for any one or all of the Reference Index currencies, EverBank reserves the right to use an alternative equivalent index or price determination in its discretion.
MarketSafe® CDs, if held to the Maturity Date, will have a guaranteed return of the deposited principal ("Principal Protection"). Principal Protection only applies to CDs held to maturity. In the event of Bank failure, the CD balance is FDIC insured up to $250,000. Your other deposits with EverBank will be aggregated with the MarketSafe CD with respect to the $250,000 maximum. Except in the event of death or adjudication of incompetence of the holder of the MarketSafe CD, you may not withdraw any part of the CD prior to maturity. If you do withdraw early, even if that is due to the death or adjudicated incompetency of the holder of the CD, you will NOT receive Principal Protection and will NOT benefit from any upside potential of the Reference Index, experiencing a loss of principal as an early withdrawal charge. See the MarketSafe Deposit Account Disclosures in your Account Terms, Disclosures and Agreements Booklet for more information.