Banking Services

At F.R. Owen & Associates, we recognize that truly personalized service is rare in banking today.

To better serve your total financial needs, we now offer the full range of FDIC insured banking services you desire with the personal touch from our firm through our alliance with EverBank.

*EverBank is a recognized leader in branchless banking and a Forbes "Best of Web" winner for 5 consecutive years, with more than $1 billion in assets and over 35,000 customer accounts in all 50 states.

*EverBank Financial Corp is a $3.0 billion unitary thrift holding company headquartered in Jacksonville, Florida. Through its banking and mortgage companies, EverBank services approximately $33 billion in loans, originates $14 billion of annual mortgage production and serves 400,000 customers nationwide.

EverBank distributes its services through select alliance partners and trusted advisors, rather than brick and mortar branches, which keeps costs down and values high. EverBank offers these services:

• FreeNet™ Checking Account — EverBank's flagship account includes free, unlimited, Online Banking; optional, free, unlimited, Online Bill Pay^; free, unlimited, check writing; and a free Visa® CheckCard with up to $6 a month in ATM surcharge reimbursements. Additionally, the FreeNet™ Checking Account comes with a pledge to offer an interest rate that ranks among the top 5% of all interest checking accounts in the nation as tracked in the Bankrate.com’s National Index of 100 Leading Banks.
• Yield Pledge Money Market Account — A money market account that automatically adjusts its annual percentage yield weekly to remain in the top 5% in the nation.†
• Yield Pledge Certificates of Deposit — CDs with maturities of 3 months to 5 years and a pledge for rates to remain in the top 5% in the nation.†
• FDIC Insured WorldCurrency™ Accounts — EverBank is among the few banks in the nation to offer retail customers the opportunity to open CDs and money market accounts denominated in any major foreign currency. With the U.S. dollar weakening, investors may use these accounts to seek capital gains, and for some currencies, a higher yield than that available domestically.‡
• Guaranteed Great Rate Home Loans — From initial home purchase or refinance consideration, all the way through closing, EverBank provides the tools necessary to make this process hassle-free, while securing the most competitive rate possible.
  

*http://www.everbank.com

‡ As a part of the nationwide division of EverBank, your WorldCurrency deposits are FDIC-insured. The FDIC insurance only insures against losses related to bank insolvency—it does not cover any risk associated with changing currency prices. As with all investments, investors can lose money, including principal. Deposits held at the nationwide division of EverBank are added together with deposits held at other EverBank divisions for the purposes of the $100,000 limit on FDIC insurance coverage.

^Unlimited Online Bill Paying is free with a $1,500 minimum balance; otherwise a $4.95 monthly fee applies.

†Other conditions may apply. See our complete terms and conditions and learn more at www.EverBankpro.com.

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