EverBank is a large, stable bank that offers a variety of banking, lending, and investing products and services. It has experienced strong growth and received high ratings for its financial strength. EverBank provides retail lending representatives with operational support through dedicated teams, a loan origination system, marketing materials, and a competitive benefits package including health insurance and retirement plans. The document promotes EverBank as an attractive place for lending professionals to build their business and careers.

1. WELCOME TO EVERBANK
Stability. Growth. Innovation.
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2. ABOUT US
Why EverBank? With us, you’ll get the entire package
SM
Products, service and a complete benefits package
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3. STRENGTH AND STABILITY
Standing apart as one of the nation’s strongest and healthiest banks1
Net Assets:
$15,000,000,000 June 30, 2012*
$15,000,000,000
$12,000,000,000
one of the fastest growing
financial institutions today.
$9,000,000,000
$6,000,000,000
we’ve
$3,000,000,000
experienced record growth.
$0
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
1. 4 out of 5 star rating provided by BauerFinancial
as of 6/30/12, www.bauerfinancial.com
* As of the three months ended June 30, 2012
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4. STRENGTH AND STABILITY
Continued
As the largest bank headquartered in Florida,1 it’s easy to say that we’re strong and stable. However,
the true evidence of our success is in the financials we’ve posted and the recognition we’ve received.
Validating our success
Positive earnings recorded every full year since 1995
Consistent double-digit returns on equity every year since 2000 Our institution is rated
4-stars by BauerFinancial
Rated 4 out of 5 stars by BauerFinancial for financial strength and stability2
Became a public company 5/3/2012 with an IPO of 19.2 million shares of
stock—trade under the ticker symbol “EVER” www.bauerfinancial.com
– June 2012 –
Learn about our company at » AboutEverBank.com
1. Source: Jacksonville Business Journal, 9/20/12.
2. Rating provided by BauerFinancial as of 6/30/2012, www.bauerfinancial.com.
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5. FAMILY OF SERVICES
Banking
EverBank World ® ®
Markets Division non-FDIC insured
EverBank Wealth
Management, Inc.2
1. EverBank Metals Select products:
Are Not FDIC Insured Are Not Bank or Government Guaranteed Are Not Deposits of EverBank May Lose Value
Investing in metals involves degrees of risk that make them unsuitable for certain individuals. You should carefully consider the suitability of such metals before making any decision. Please refer to
“Metals Select Accounts” in your Account Terms, Disclosures and Agreements Booklet for additional information.
2. 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 parent company, 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 services offered through EverBank Wealth Management, Inc.:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
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6. FAMILY OF SERVICES
Continued
EverTrade Direct
Brokerage, Inc.1
EverBank Advisor ®
Services
EverBank Commercial
Finance, Inc.2
Everhome Mortgage
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:
Are Not FDIC Insured Are Not Bank or Government Guaranteed Are Not Deposits of EverBank May Lose Value
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.
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7. FAMILY OF SERVICES
Continued
Consumer Direct
Lending
Retail Lending
Warehouse Finance
Wholesale &
Correspondent Lending
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8. RETAIL LENDING
Benefit from an extensive set of resources
®
Superior capability to
meet the needs of your SM
customers
Grow your business to the next level
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9. RETAIL LENDING
Continued
Benefit from an extensive set of resources — continued
Marketing support
Competitive commission
with comprehensive
benefits package
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10. PRODUCT SUITE
The EverBank Preferred Portfolio JumboSM mortgage—providing financing
up to $3 million
Provide more flexibility to customers
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11. PRODUCT SUITE
Resort condominium financing up to $1 million
One of a few who finance resort condos
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12. PRODUCT SUITE
Conforming fixed and ARM products
Terms:
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13. PRODUCT SUITE
Government programs
FHA1 mortgages: VA mortgages:
FHA streamline refinances:
1. Loan is insured by the Federal Housing Administration through an FHA-approved lender
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14. PRODUCT SUITE
The government’s HARP 2.01
1. The Home Affordable Refinance Program (HARP) is part of the government’s Making Home Affordable program that is geared to borrowers who are making timely mortgage payments but have
been unable to refinance due to low home equity. Not all loans are eligible. Customer must qualify for program based upon eligibility requirements set forth by HARP. Loans with subordinate
financing are not eligible. Freddie Mac and Fannie Mae have adopted changes to HARP and you may be eligible to take advantage of these changes. If your mortgage is owned or guaranteed by
either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP. You can determine whether your mortgage is owned by
either Freddie Mac or Fannie Mae by checking the following websites: www.freddiemac.com/mymortgage/ or http://www.fanniemae.com/loanlookup/.
2. Unlimited LTV available only on fully amortized fixed rate loans that have received a PFW through DU or a qualifying HVE through LP.
3. Restrictions apply. Call for details.
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15. OPERATIONAL SUPPORT
Close quickly and efficiently with the support of a dedicated operations team
Focus on service so you close loans on time
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16. OPERATIONAL SUPPORT
Current Operations Centers— Current Sales
located centrally for maximum support Center Locations
CALIFORNIA GEORGIA
- Balboa - Atlanta
- Campbell
MARYLAND
- Danville
- Bethesda
- Glendale
BOSTON, MA
- Irvine MASSACHUSETTS
Operations Center - Los Altos - Boston
- Palm Springs - Hyannis
- Newport Beach
NEW JERSEY
- San Diego
- Parsippany
- San Jose
WOODBRIDGE, NJ - Woodbridge
- Tustin
Operations Center - Valencia SOUTH CAROLINA
FAIRFAX, VA
- Ventura - Charleston
Mid-Atlantic
Operations Center - Westlake Village
TEXAS
PLEASANTON, CA
COLORADO - Austin
Operations Center - Greenwood Village - Bellville
- Denver - Houston/Katy
- Vail
VERMONT
FLORIDA - Burlington
- Boca Raton
VIRGINIA
- Clearwater/Tampa
IRVINE, CA - Annandale
JACKSONVILLE, FL - Ft Myers
Operations Center - Fairfax
AUSTIN, TX Operations Center - Gainesville
- Prince William County
Operations Center - Jacksonville
- McClean
- Melbourne
- Miami
- Naples
- Orlando
- Sarasota
- Titusville
- Vero Beach
- West Palm Beach
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17. MARKETING SUPPORT
You’ll have the support you need the day you arrive
Dedicated team to develop effective marketing
programs
Easy access to customizable marketing materials
Introductory announcements, sales collateral
post cards, open house flyers and more through
our On Demand website
Online and print advertising
In-house creative team including writers, graphic
artists and web development experts support the
lending division
Production group that will handle everything
from email communications and direct mail to
print production
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18. SALES SUPPORT
State-of-the-art system that simplifies and streamlines the loan process
Login to Encompass360, Ellie Mae’s LOS, and you can take advantage of:
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19. PERSONALIZED WEBSITE
Fully integrated personal website so you can
work with clients easily and efficiently
At the customer-facing part of the LOS,
clients can:
Complete loan applications easily through this
secure site with electronic applications
Upload related loan documents
Check loan status
Get notified when a document has been received
or a change has been made to the file
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20. BENEFITS AND RECOGNITION
Between the commission and benefits we offer, your total compensation
package is extremely competitive
1
1
Total compensation is often higher than others
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.
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21. BENEFITS AND RECOGNITION
Continued
Benefits package that many of our competitors don’t offer
Mortgage Loan Officer Benefits1
Commission schedule
Easy NMLS registration
Marketing support
Insurance
Health and dental
Health Savings Account
Health and dependent care flexible
spending accounts
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22. BENEFITS AND RECOGNITION
Continued
Long-Term Disability, Basic Life
Insurance, plus Accidental Death
and Dismemberment Insurance
Voluntary Benefits
Vision
Supplemental life insurance,
supplemental accidental insurance,
prepaid legal services
Fitness Reimbursement
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23. BENEFITS AND RECOGNITION
Continued
Retirement planning
401K
Profit Sharing and Savings
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24. BENEFITS AND RECOGNITION
The Chairman’s Circle—annual retreat recognizing lending’s top producers
Awards dinner, special gifts
Break-out meetings
1:1 time with EverBank® executives
Leisurely fun at lavish locations
including the site of the 2013 event—
the Hotel del Coronado, San Diego, CA
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25. JOIN THE EVERBANK TEAM
Learn more and apply for a retail lending position
Visit »
AboutEverBank.com/RetailLending
Contact me »
© 2011-2012 EverBank. All rights reserved. 12ERM0100
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