1. WELCOME TO EVERBANK
Stability. Growth. Innovation.
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2. ABOUT US
Why EverBank? With us, you’ll get the entire package
• Stability of EverBank. We’ve weathered the volatility of the last few years and have experienced strong
growth during this time
• Commitment to substantially growing our retail lending channel
• Extensive product line including our Preferred Portfolio Jumbo product as well as conventional and
government-supported loans
• Regionally-based operational and marketing support combined with a focus on service to maximize
your sales efforts
• Complete compensation package
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
Our roots span back over many
decades—to when we were a
mortgage company only. Yet
now, EverBank has evolved into
one of the fastest growing
financial institutions today.
Our company has changed, but
our diversified business model
and strong risk management
practices have remained
constant. As a result, we’ve
experienced record growth.
1. Rating provided by BauerFinancial as of 6/30/2011,
Nearly a decade of strong and consistent asset growth
www.bauerfinancial.com
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4. STRENGTH AND STABILITY
Continued
As the largest bank headquartered in Florida, it’s easy to say that we’re strong and stable. The true
evidence is in the financials we’ve posted and the recognition we’ve received.
EverBank Financials
• Consistent double-digit returns on equity every year since 2000
• Compound growth rate of 29% for the 7-yr period ending 12/31/2010
Our institution is rated Rankings we’ve received for strength and stability
4-stars by BauerFinancial
• 4 stars by BauerFinancial
• “A” by Institutional Risk Analytics 1
www.bauerfinancial.com
Awarded June 2011 • EverBank is highly rated by IDC Financial Publishing, 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.
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5. FAMILY OF SERVICES
EverBank meets the needs of a growing allegiance of approximately 600,000 individuals and
businesses in an increasingly complex financial world.
Banking High-yield deposit accounts and business banking
World Markets Foreign currency and non-FDIC insured precious metals accounts
Lending Mortgage financing for purchases and refinances
EverBank Wealth Comprehensive wealth management services from EverBank affiliate
Management, Inc.1
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 Are Not Bank or Are Not May
Not FDIC Government Deposits of Lose
Insured Guaranteed EverBank Value
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6. FAMILY OF SERVICES
Continued
EverTrade Direct Domestic and global investment services
Brokerage, Inc.1
EverBank Advisor EverBank® mortgage and banking products offered through financial
Services planning firms
EverBank Commercial Specialized equipment financing to businesses from
Finance, Inc. 2 EverBank subsidiary
Everhome Mortgage Loan servicing and sub-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:
Are Are Not Bank or Are Not May
Not FDIC Government Deposits of Lose
Insured Guaranteed EverBank 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. RETAIL LENDING
Meet Retail Lending
You’ll be supported by the resources of a national bank, with a comprehensive range of mortgages and
a dedicated team to help you close quickly and efficiently.
We lend in all 50 states and can provide financing for:
• Primary residences
• Second homes
• Condos
• Investment properties
• And so much more
Home financing for local families nationwide
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8. RETAIL LENDING
Continued
Benefit from the resources of a national bank
Become part of the EverBank team and expect:
Superior capability to • Comprehensive suite of product with availability in all 50 states
meet the needs of your • Finance primary residences, condos, second homes and investment
customers properties
• Our Preferred Jumbo Portfolio Product gives us the competitive edge
over others. We have the ability to finance up to $3 million plus
the flexibility to better handle your customers’ unique lending
needs
Competitive commission • Commission-based compensation—opportunity for substantial
with comprehensive income potential plus the resources to grow your book of business
benefits package • Comprehensive benefits package—company matched 401K, profit
sharing & savings, health & dental insurance plus more
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9. RETAIL LENDING
Continued
Benefit from the resources of a national bank — continued
Marketing support • Dedicated team to help right from the day you arrive
• Marketing relationship managers to develop effective programs,
in-house creative team and a production team to deliver your
personalized materials
• A full set of marketing materials are available to you—customize
these materials with your name and contact information.
• Introductory materials—business cards, announcements, sales
collateral and more
• Personal website, online and print advertising
• Flyers, brochures, postcards and emails
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10. MORTGAGE SOLUTIONS
We offer a wide array of mortgages—many that that aren’t readily available elsewhere.
EverBank’s Jumbo Preferred Portfolio—providing financing up to $3 million
• Offers more flexibility and better capability • Escrow waiver available at no cost
to meet your customers’ unique needs • 720 minimum FICO
• Financing for: • 10- and 15-year fixed terms
• Primary residences, second homes and • 5/1, 7/1, and 10/1 ARM terms
investment properties 10/1-ARM not readily available
• Limited cash out on primary residences elsewhere
and second homes
• Interest only and LIBOR options available
• 1-unit single family residence Interest only not readily available
• Fannie Mae eligible condos and PUDs elsewhere
Provide more flexibility to customers
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11. MORTGAGE SOLUTIONS
Continued
Conventional Loans
Fixed rate mortgages Adjustable rate mortgages
• 10-, 15-, 30- and 40-year terms • 15- and 30-year terms
• Interest-only option available for 30-year fixed • Offer 3/1, 5/1, 7/1 and 10/1 ARMs—
• Financing for primary residences, condos, 10/1 ARM not easily found elsewhere
second homes and investment properties • Interest-only option available on all ARMs
• 620 minimum FICO and 30-year fixed
• Finance primary residences, condos,
second homes and investment properties
• 620 minimum FICO
We offer terms not easily found with the competition
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12. MORTGAGE SOLUTIONS
Continued
Government-sponsored loans
FHA mortgages1 VA mortgages
• Great for 1st time buyers or customers • Provide home financing to eligible veterans
who might otherwise not qualify for a loan in areas where private financing may not
• Low down payments be available
• Low closing costs • 15-, 20-, 25- and 30-year fixed
• Loosened credit qualifications • Low closing costs
• 620 minimum FICO • Loosened credit qualifications
• Up to 100% LTV on purchases
HomePath mortgages • 620 minimum FICO
• For Fannie Mae-owned property only
• Low downpayment, flexible mortgage terms,
no mortgage insurance and no appraisal
• 620 FICO score
1. Loan is insured by the Federal Housing Administration through an FHA–approved lender.
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13. OPERATIONAL SUPPORT
Close quickly and efficiently with the support of a dedicated operations team
• Fully dedicated team consisting of processors, underwriters, and closers committed to getting your
loans to closing—quickly and hassle free
• Team approach with local loan officer/processing pairings
• Experienced processors that know and understand your market
• Underwriters and closers located regionally
Focus on service so you close loans on time
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15. COMPENSATION PACKAGE
Between the commission and benefits we offer, your total compensation
package is extremely competitive—and often higher than other lenders
• Competitive commission schedule
• Easy NMLS registration
• Monthly dollar allocation to use on our marketing materials
• Insurance—health, dental and vision options1
• Retirement planning— Company matched 401K plan as well as profit sharing and savings1
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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17. BENEFITS
Continued
Long-Term Disability, Basic Life • Coverage starts the 1st day of the month that coincides with or
Insurance, and Accidental Death follows your hire date
and Dismemberment Insurance
Voluntary Benefits
Vision • Coverage starts the 1st day of the month that coincides with
or follows your hire date
• Covers routine eye care, including exams, glasses (lenses &
frames) and contacts
Retirement planning
401K • EverBank matches $1.00 for $1.00 on the first 3% of
contributions and $.50 on the dollar for the fourth and fifth
percentage you contribute
• Vested immediately in the company match
Profit Sharing and Savings • Annual contribution to the Plan that the Board of Directors
may authorize. As the company does well, so do you
• EverBank Board of Directions has authorized a contribution
for the past 16 consecutive years
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