EverBank - Residential Lending

BANKING | LENDING | INVESTINGPrivileged and Confidential

WELCOME TO EVERBANK Stability. Growth. Innovation.

2BANKING | LENDING | INVESTINGPrivileged and Confidential

ABOUT US

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

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Products, service and a complete benefits package


2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

$12,000,000,000

$15,000,000,000

$9,000,000,000

$6,000,000,000

$3,000,000,000

$0

Net Assets:June 30, 2012*

$15,000,000,000

STRENGTH AND STABILITY

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

one of the fastest growing financial institutions today.

we’ve experienced record growth.

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


STRENGTH AND STABILITYContinued

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

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”

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.

Our institution is rated4-stars by BauerFinancial

www.bauerfinancial.com– June 2012 –


FAMILY OF SERVICES

Banking

EverBank World Markets Division

® ®

non-FDIC insured

EverBank Wealth Management, Inc.2

1. EverBank Metals Select products:

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 or Government Guaranteed Are Not Deposits of EverBank May Lose Value

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value


FAMILY OF SERVICESContinued

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:

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 or Government Guaranteed Are Not Deposits of EverBank May Lose Value


Consumer Direct Lending

Retail Lending

Warehouse Finance

Wholesale & Correspondent Lending

FAMILY OF SERVICES Continued


RETAIL LENDING

Benefit from an extensive set of resources®

Grow your business to the next level

Superior capability to meet the needs of your customers

SM


RETAIL LENDINGContinued

Marketing support

Competitive commission with comprehensive benefits package

Benefit from an extensive set of resources — continued


PRODUCT SUITE

The EverBank Preferred Portfolio JumboSM mortgage—providing financing up to $3 million

Provide more flexibility to customers


PRODUCT SUITE

Resort condominium financing up to $1 million

One of a few who finance resort condos


Conforming fixed and ARM products

Terms:

PRODUCT SUITE


FHA1 mortgages:

FHA streamline refinances:

PRODUCT SUITE

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

VA mortgages:

Government programs


The government’s HARP 2.01

PRODUCT SUITE

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.


OPERATIONAL SUPPORT

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

Focus on service so you close loans on time


OPERATIONAL SUPPORT

FAIRFAX, VA

Mid-Atlantic Operations Center

WOODBRIDGE, NJ

Operations Center

PLEASANTON, CA

Operations Center

IRVINE, CA

Operations Center

BOSTON, MA

Operations Center

JACKSONVILLE, FL

Operations CenterAUSTIN, TX

Operations Center

CALIFORNIA- Balboa- Campbell- Danville- Glendale- Irvine- Los Altos- Palm Springs- Newport Beach- San Diego- San Jose- Tustin - Valencia- Ventura- Westlake Village

COLORADO- Greenwood Village- Denver- Vail

FLORIDA- Boca Raton- Clearwater/Tampa- Ft Myers- Gainesville- Jacksonville- Melbourne- Miami- Naples- Orlando- Sarasota- Titusville- Vero Beach- West Palm Beach

Current Operations Centers— located centrally for maximum support

GEORGIA- Atlanta

MARYLAND- Bethesda

MASSACHUSETTS- Boston- Hyannis

NEW JERSEY- Parsippany- Woodbridge

SOUTH CAROLINA- Charleston

TEXAS- Austin- Bellville- Houston/Katy

VERMONT- Burlington

VIRGINIA- Annandale- Fairfax- Prince William County- McClean

Current Sales Center Locations


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


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:


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


BENEFITS AND RECOGNITION

Between the commission and benefits we offer, your total compensation package is extremely competitive

Total compensation is often higher than others

1

1

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 AND RECOGNITIONContinued

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



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


Retirement planning

401K

Profit Sharing and Savings



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


JOIN THE EVERBANK TEAM

Learn more and apply for a retail lending position

Visit »AboutEverBank.com/RetailLending

© 2011-2012 EverBank. All rights reserved. 12ERM0100

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EverBank - Residential Lending