WELCOME TO EVERBANK    Stability. Growth. Innovation.Privileged and Confidential           BANKING | LENDING | INVESTING
ABOUT US    Why EverBank? With us, you’ll get the entire package                                                       SM ...
STRENGTH AND STABILITY    Standing apart as one of the nation’s strongest and healthiest banks1                           ...
STRENGTH AND STABILITY    Continued    As the largest bank headquartered in Florida,1 it’s easy to say that we’re strong a...
FAMILY OF SERVICES          Banking          EverBank World                                                               ...
FAMILY OF SERVICES    Continued          EverTrade Direct          Brokerage, Inc.1          EverBank Advisor             ...
FAMILY OF SERVICES    Continued        Consumer Direct        Lending        Retail Lending        Warehouse Finance      ...
RETAIL LENDING    Benefit from an extensive set of resources                                ®       Superior capability to ...
RETAIL LENDING    Continued    Benefit from an extensive set of resources — continued       Marketing support       Competi...
PRODUCT SUITE    The EverBank Preferred Portfolio JumboSM mortgage—providing financing    up to $3 million    Provide more ...
PRODUCT SUITE    Resort condominium financing up to $1 million    One of a few who finance resort condosPrivileged and Confi...
PRODUCT SUITE    Conforming fixed and ARM products    Terms:Privileged and Confidential             BANKING | LENDING | INVE...
PRODUCT SUITE    Government programs    FHA1 mortgages:                                                                   ...
PRODUCT SUITE    The government’s HARP 2.01    1. The Home Affordable Refinance Program (HARP) is part of the government’s ...
OPERATIONAL SUPPORT    Close quickly and efficiently with the support of a dedicated operations team    Focus on service so...
OPERATIONAL SUPPORT    Current Operations Centers—                                                                      Cu...
MARKETING SUPPORT    You’ll have the support you need the day you arrive        Dedicated team to develop effective market...
SALES SUPPORT    State-of-the-art system that simplifies and streamlines the loan process    Login to Encompass360, Ellie M...
PERSONALIZED WEBSITE    Fully integrated personal website so you can    work with clients easily and efficiently    At the ...
BENEFITS AND RECOGNITION    Between the commission and benefits we offer, your total compensation    package is extremely c...
BENEFITS AND RECOGNITION    Continued    Benefits package that many of our competitors don’t offer     Mortgage Loan Office...
BENEFITS AND RECOGNITION    Continued       Long-Term Disability, Basic Life       Insurance, plus Accidental Death       ...
BENEFITS AND RECOGNITION    Continued     Retirement planning       401K       Profit Sharing and SavingsPrivileged and Co...
BENEFITS AND RECOGNITION    The Chairman’s Circle—annual retreat recognizing lending’s top producers        Awards dinner,...
JOIN THE EVERBANK TEAM    Learn more and apply for a retail lending position         Visit »         AboutEverBank.com/Ret...
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EverBank - Residential Lending

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Welcome to EverBank!! Join one of the premier lenders in the country.

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EverBank - Residential Lending

  1. 1. WELCOME TO EVERBANK Stability. Growth. Innovation.Privileged and Confidential BANKING | LENDING | INVESTING
  2. 2. ABOUT US Why EverBank? With us, you’ll get the entire package SM Products, service and a complete benefits packagePrivileged and Confidential BANKING | LENDING | INVESTING 2
  3. 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, 2012Privileged and Confidential BANKING | LENDING | INVESTING 3
  4. 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.Privileged and Confidential BANKING | LENDING | INVESTING 4
  5. 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 ValuePrivileged and Confidential BANKING | LENDING | INVESTING 5
  6. 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.Privileged and Confidential BANKING | LENDING | INVESTING 6
  7. 7. FAMILY OF SERVICES Continued Consumer Direct Lending Retail Lending Warehouse Finance Wholesale & Correspondent LendingPrivileged and Confidential BANKING | LENDING | INVESTING 7
  8. 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 levelPrivileged and Confidential BANKING | LENDING | INVESTING 8
  9. 9. RETAIL LENDING Continued Benefit from an extensive set of resources — continued Marketing support Competitive commission with comprehensive benefits packagePrivileged and Confidential BANKING | LENDING | INVESTING 9
  10. 10. PRODUCT SUITE The EverBank Preferred Portfolio JumboSM mortgage—providing financing up to $3 million Provide more flexibility to customersPrivileged and Confidential BANKING | LENDING | INVESTING 10
  11. 11. PRODUCT SUITE Resort condominium financing up to $1 million One of a few who finance resort condosPrivileged and Confidential BANKING | LENDING | INVESTING 11
  12. 12. PRODUCT SUITE Conforming fixed and ARM products Terms:Privileged and Confidential BANKING | LENDING | INVESTING 12
  13. 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 lenderPrivileged and Confidential BANKING | LENDING | INVESTING 13
  14. 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.Privileged and Confidential BANKING | LENDING | INVESTING 14
  15. 15. OPERATIONAL SUPPORT Close quickly and efficiently with the support of a dedicated operations team Focus on service so you close loans on timePrivileged and Confidential BANKING | LENDING | INVESTING 15
  16. 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 BeachPrivileged and Confidential BANKING | LENDING | INVESTING 16
  17. 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 productionPrivileged and Confidential BANKING | LENDING | INVESTING 17
  18. 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:Privileged and Confidential BANKING | LENDING | INVESTING 18
  19. 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 filePrivileged and Confidential BANKING | LENDING | INVESTING 19
  20. 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.Privileged and Confidential BANKING | LENDING | INVESTING 20
  21. 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 accountsPrivileged and Confidential BANKING | LENDING | INVESTING 21
  22. 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 ReimbursementPrivileged and Confidential BANKING | LENDING | INVESTING 22
  23. 23. BENEFITS AND RECOGNITION Continued Retirement planning 401K Profit Sharing and SavingsPrivileged and Confidential BANKING | LENDING | INVESTING 23
  24. 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, CAPrivileged and Confidential BANKING | LENDING | INVESTING 24
  25. 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. 12ERM0100Privileged and Confidential BANKING | LENDING | INVESTING 25

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