Ever bank stability-growth_innovation

BANKING | LENDING | INVESTINGPrivileged and Confidential

WELCOME TO EVERBANKStability. Growth. Innovation.

2BANKING | LENDING | INVESTINGPrivileged and Confidential

ABOUT US

Why EverBank? With us, you’ll get the entire package

• StabilityofEverBank.We’veweatheredthevolatilityofthelastfewyearsandhaveexperiencedstronggrowthduringthistime

• Commitmenttosubstantiallygrowingourretaillendingchannel

• ExtensiveproductlineincludingourPreferredPortfolioJumboproductaswellasconventionalandgovernment-supportedloans

• Regionally-basedoperationalandmarketingsupportcombinedwithafocusonservicetomaximizeyoursalesefforts

• Completecompensationpackage

Products, service and a complete benefits package


STRENGTH AND STABILITY

Standing apart as one of the nation’s strongest and healthiest banks1

Ourrootsspanbackovermanydecades—towhenwewereamortgagecompanyonly.Yetnow,EverBankhasevolvedintoone of the fastest growing financial institutions today.

Ourcompanyhaschanged,butourdiversifiedbusinessmodelandstrongriskmanagementpracticeshaveremainedconstant.Asaresult,we’ve experienced record growth.

Nearlyadecadeofstrongandconsistentassetgrowth1. Rating provided by BauerFinancial as of 6/30/2011, www.bauerfinancial.com


STRENGTH AND STABILITYContinued

AsthelargestbankheadquarteredinFlorida,it’seasytosaythatwe’restrongandstable.Thetrueevidenceisinthefinancialswe’vepostedandtherecognitionwe’vereceived.

EverBank Financials

• Consistentdouble-digitreturnsonequityeveryyearsince2000

• Compoundgrowthrateof29%forthe7-yrperiodending12/31/2010

Rankings we’ve received for strength and stability

• 4starsbyBauerFinancial

• “A”byInstitutionalRiskAnalytics1

• EverBankishighlyratedbyIDCFinancialPublishing,Inc.2

1. Rating provided by Institutional Risk Analytics as of 06/30/2011.

2. EverBank has been highly rated by IDC Financial Publishing, Inc since 2007. For more information see the IDC Financial Publishing Inc. website.

Our institution is rated4-stars by BauerFinancial

www.bauerfinancial.comAwarded June 2011


FAMILY OF SERVICES

EverBankmeetstheneedsofagrowingallegianceofapproximately600,000individualsandbusinessesinanincreasinglycomplexfinancialworld.

Banking High-yielddepositaccountsandbusinessbanking

World Markets Foreigncurrencyandnon-FDIC insuredpreciousmetalsaccounts

Lending Mortgagefinancingforpurchasesandrefinances

EverBank Wealth Management, Inc.1

ComprehensivewealthmanagementservicesfromEverBankaffiliate

1. EverBank Wealth Management, Inc. is an investment advisor registered with the Securities and Exchange Commission. It is not a bank. EverBank Wealth Management, Inc. may recommend or make available products and services offered by its affiliate, EverBank, a member of the FDIC, and EverBank’s subsidiary, EverTrade Direct Brokerage, Inc., a broker dealer registered with the Securities and Exchange Commission and a member of FINRA and SIPC. Investment and services offered through EverBank Wealth Management, Inc.:

Are Not FDIC Insured

Are Not Bank orGovernmentGuaranteed

Are Not Deposits of EverBank

May Lose Value


EverTrade Direct Brokerage, Inc.1

Domesticandglobalinvestmentservices

EverBank Advisor Services

EverBank®mortgageandbankingproductsofferedthroughfinancialplanningfirms

EverBank Commercial Finance, Inc. 2

SpecializedequipmentfinancingtobusinessesfromEverBanksubsidiary

Everhome Mortgage Loanservicingandsub-servicing

1. EverBank is an FDIC insured savings bank. EverTrade Direct Brokerage, Inc. is a separate, but affiliated company of EverBank. Investment products and services are provided by EverTrade Direct Brokerage, Inc. and:

EverTrade Direct Brokerage, Inc. is registered as a broker/dealer with the Securities and Exchange Commission and is a member of the FINRA/SIPC.

2. EverBank Commercial Finance, Inc. is a subsidiary of EverBank and is not itself a bank or a member of the FDIC.

Are Not FDIC Insured

Are Not Bank orGovernmentGuaranteed

Are Not Deposits of EverBank

May Lose Value

FAMILY OF SERVICES Continued


RETAIL LENDING

Meet Retail Lending

You’llbesupportedbytheresourcesofanationalbank,withacomprehensiverangeofmortgagesandadedicatedteamtohelpyouclosequicklyandefficiently.

Home financing for local families nationwide

We lend in all 50 states and can provide financing for:

• Primaryresidences

• Secondhomes

• Condos

• Investmentproperties

• Andsomuchmore


RETAIL LENDINGContinued

Benefit from the resources of a national bank

BecomepartoftheEverBankteamandexpect:

Superior capability to meet the needs of your customers

• Comprehensivesuiteofproductwithavailabilityinall50states

• Financeprimaryresidences,condos,secondhomesandinvestmentproperties

• OurPreferredJumboPortfolioProductgivesusthecompetitiveedgeoverothers.Wehavetheabilitytofinanceupto$3millionplustheflexibilitytobetterhandleyourcustomers’uniquelendingneeds

Competitive commission with comprehensive benefits package

• Commission-basedcompensation—opportunityforsubstantialincomepotentialplustheresourcestogrowyourbookofbusiness

• Comprehensivebenefitspackage—companymatched401K,profitsharing&savings,health&dentalinsuranceplusmore


RETAIL LENDINGContinued

Marketing support • Dedicatedteamtohelprightfromthedayyouarrive

• Marketingrelationshipmanagerstodevelopeffectiveprograms,in-housecreativeteamandaproductionteamtodeliveryourpersonalizedmaterials

• Afullsetofmarketingmaterialsareavailabletoyou—customizethesematerialswithyournameandcontactinformation.

• Introductorymaterials—businesscards,announcements,salescollateralandmore

• Personalwebsite,onlineandprintadvertising

• Flyers,brochures,postcardsandemails

Benefit from the resources of a national bank — continued


MORTGAGE SOLUTIONS

Weofferawidearrayofmortgages—manythatthataren’treadilyavailableelsewhere.

• Offersmoreflexibilityandbettercapabilitytomeetyourcustomers’uniqueneeds

• Financingfor:

• Primaryresidences,secondhomesand investmentproperties

• Limitedcashoutonprimaryresidences andsecondhomes

• 1-unitsinglefamilyresidence

• FannieMaeeligiblecondosandPUDs

• Escrowwaiveravailableatnocost

• 720minimumFICO

• 10-and15-yearfixedterms

• 5/1,7/1,and10/1ARMterms10/1-ARM not readily available elsewhere

• InterestonlyandLIBORoptionsavailableInterest only not readily available elsewhere

EverBank’s Jumbo Preferred Portfolio—providing financing up to $3 million

Provide more flexibility to customers


Conventional Loans

Fixed rate mortgages

• 10-,15-,30-and40-yearterms

• Interest-onlyoptionavailablefor30-yearfixed

• Financingforprimaryresidences,condos,secondhomesandinvestmentproperties

• 620minimumFICO

Adjustable rate mortgages

• 15-and30-yearterms

• Offer3/1,5/1,7/1and10/1ARMs—10/1 ARM not easily found elsewhere

• Interest-onlyoptionavailableonallARMsand30-yearfixed

• Financeprimaryresidences,condos,secondhomesandinvestmentproperties

• 620minimumFICO

MORTGAGE SOLUTIONSContinued

We offer terms not easily found with the competition


Government-sponsored loans

FHA mortgages1

• Greatfor1sttimebuyersorcustomerswhomightotherwisenotqualifyforaloan

• Lowdownpayments

• Lowclosingcosts

• Loosenedcreditqualifications

• 620minimumFICO

HomePath mortgages

• ForFannieMae-ownedpropertyonly

• Lowdownpayment,flexiblemortgageterms,nomortgageinsuranceandnoappraisal

• 620FICOscore

MORTGAGE SOLUTIONSContinued

1. Loan is insured by the Federal Housing Administration through an FHA–approved lender.

VA mortgages

• Providehomefinancingtoeligibleveteransinareaswhereprivatefinancingmaynotbeavailable

• 15-,20-,25-and30-yearfixed

• Lowclosingcosts

• Loosenedcreditqualifications

• Upto100%LTVonpurchases

• 620minimumFICO


OPERATIONAL SUPPORT

Close quickly and efficiently with the support of a dedicated operations team

Focus on service so you close loans on time

• Fullydedicatedteamconsistingofprocessors,underwriters,andcloserscommittedtogettingyourloanstoclosing—quicklyandhasslefree

• Teamapproachwithlocalloanofficer/processingpairings

• Experiencedprocessorsthatknowandunderstandyourmarket

• Underwritersandcloserslocatedregionally


MARKETING SUPPORT

You’ll have a dedicated team to help you from the day you arrive

• Dedicatedteamtodevelopeffectivemarketingprogramsforyou

• In-housecreativeteamincludingwriters,graphicartistsandwebdevelopmentexpertssupportthelendingdivision

• Productiongroupthatwillhandleeverythingfromemailcommunicationsanddirectmailtoprintproduction

• Fullsetofcustomizablemarketingcollateral,including:

• Introductorymaterials—businesscards, announcements,salescollateralandmore

• Personalwebsite,onlineandprintadvertising

• Flyers,brochures,postcardsandemails

Apply Now | Resources & Tools | Learning Center | Company Info

CONTACT INFORMATION

John DoeTitleDirect: (000.) 000-0000

Cell: (000) 000-0000

Email: Send Email

Keep the mortgage process advancing with speed and efficiency

Juststartingtolookatamortgageorwonderingwhatthestatusofourloaninprogressis?Eitherwaytakeadvantageofthesegreatresourcethathelpyoustartthemortgageprocessandmanageitquicklyandeasily.

Start the mortgage process

ShortApplication.Take5minutestocompleteandprovidesenoughinformationsoIcanpullcreditandreviewbasicinformation.

FullApplication.Thecompleteapplicationthat’seasytounderstand.

FreeConsultation.Notsurewhatyourmortgageneedsare?ProvidemewithyourcontactinformationandI’llcallyou.

Manage the process efficiently and securely

Oursecure,confidentialonlinedocumentssolutionhelpsexpediteyourloanprocess.

• Viewrequestsfordocumentsandfaxdocumentstoatoo-freefavthatdeliversthedocumentsintoyourloanfile

• Automaticallyconvertpaperdocumentslikebankstatementsofappraisalsintoelectronicimageswhicharealsostoredforyou

Need help?

Wheneveryouneedhelp,givemeacall.ireceiveelectronicnotificationsonanyactivityinyourfilesoI’malwaysontopofyourcurrentstatusandreadytohelp.Mygoalistoprovideyouwithasecureandfirst-ratecustomerexperience.

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COMPENSATION PACKAGE

Between the commission and benefits we offer, your total compensation package is extremely competitive—and often higher than other lenders

Total compensation is often higher than others

• Competitivecommissionschedule

• EasyNMLSregistration

• Monthlydollarallocationtouseonourmarketingmaterials

• Insurance—health,dentalandvisionoptions1

• Retirementplanning—Companymatched401Kplanaswellasprofitsharingandsavings1

1. Health and dental insurance benefits, vision options and retirement planning are available based on the eligibility equirements. EOE. M/F/H/V EverBank supports a drug free workplace.


BENEFITS

Benefits package that many of our competitors don’t offer

Mortgage Loan Officer Benefits1

Commission schedule • Highlycompetitive,seecommissionschedulealsoenclosed

Easy NMLS registration • OnceyoumoveyourregistrationtoEverBankwepayforyourrenewalsandmanageanyrequiredreportingtotheNMLS

Marketing budget • Monthlydollarallocationtouseonourmarketingmaterials

Insurance

Health and dental • Coveragestartsthe1stdayofthemonththatcoincideswithorfollowsyourhiredate

Health Savings Account • Availableforemployeesparticipatinginahighdeductiblehealthplan

Health and dependent care flexible spending accounts

• Usingpre-taxdollars,fundsfromeachpaycheckaredepositedintotheseaccounts.Coversnon-reimbursedmedicalcostsandoutofpocket,work-relateddependentdaycarecosts

1.AllbenefitsintheInsurance,VoluntarybenefitsandRetirementplanningsectionsareavailablebasedontheeligibilityrequirements.EOE.M/F/H/VEverBanksupportsa drugfreeworkplace.©2011EverBank.Allrightsreserved.


BENEFITSContinued

Long-Term Disability, Basic Life Insurance, and Accidental Death and Dismemberment Insurance

• Coveragestartsthe1stdayofthemonththatcoincideswithorfollowsyourhiredate

Voluntary Benefits

Vision • Coveragestartsthe1stdayofthemonththatcoincideswithorfollowsyourhiredate

• Coversroutineeyecare,includingexams,glasses(lenses&frames)andcontacts

Retirement planning

401K • EverBankmatches$1.00for$1.00onthefirst3%ofcontributionsand$.50onthedollarforthefourthandfifthpercentageyoucontribute

• Vestedimmediatelyinthecompanymatch

Profit Sharing and Savings • AnnualcontributiontothePlanthattheBoardofDirectorsmayauthorize.Asthecompanydoeswell,sodoyou

• EverBankBoardofDirectionshasauthorizedacontributionforthepast16consecutiveyears

Ever bank stability-growth_innovation

Career

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