EverBank, EverHome, the Infinity Sphere and the EverBank logo along with FreeNet, Yield Pledge, EverCard, WorldCurrency and MarketSafe are proprietary.

EverBank, EverHome, the Infinity Sphere and the EverBank logo along with FreeNet, Yield Pledge, EverCard, WorldCurrency and MarketSafe are proprietary service marks of EverBank. © 2010 EverBank. All rights reserved. 10EAP0022.14

EverBankBrings you better banking and home lending.

Robert J. Stupple, PresidentStep Stone Financial

Securities Offered Through First Allied Securities, Inc., A Registered Broker Dealer, member Finra/Sipc. An Advanced Equities Company.

EverBank's relationship with the Financial Institution employing your investment professional is through a joint marketing agreement. EverBank also employs your investment professional as a part-time employee only with respect to residential mortgage origination activities.  Otherwise, there is no other affiliation.

Who is EverBank?

> An $8.1 billion banking and mortgage company

> The EverBank® Family of Companies has been in business for over 40 years

> Services over 525,000 consumers in all 50 states

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What makes EverBank different?

> Account yields pledged to stay high

> Award-winning banking services

> Leader in innovative banking and currency products

> Exceptional online banking

> 24/7 customer service

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Who else thinks EverBank is a leader in the financial industry?

> BauerFinancial Star Rating "4-Stars" (2008) (source: www.bauerfinancial.com)

> VERIBANC "Green/*** Rating" (2008) (to verify that this is the most recent rating, call VERIBANC at 800.442.2675)

> Freddie Mac Tier 1 "Superior" Rating (2008)

> Money Magazine "Best of the Breed" Checking Account (2007)

> Money Magazine "Best of the Breed" Money Market Account (2007)

> Kiplinger's "Best Checking Account" (2006)

> Forbes.com "Best of the Web" (2000-2005)

The EverBank Family of Companies is the proud recipient of some of the financial industry’s most prestigious rankings and awards, including:

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EverBank Overview

> Banking

> Foreign Currency Accounts

> Business Banking Accounts

> Home Lending

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EverBank Banking

> Want a great yield on your banking products, not just one?

> Want to know you have a great yield on your banking products without

having to constantly look around for the yield of the week?

> Have cash flow variations or cash reserve concerns?

> Have a low risk tolerance?

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Do you:

High Yield Checking Account

The EverBank FreeNet® Checking Account: A free, interest-bearing checking account with a great rate to start and a high yield all year long.

> Great 3-month bonus rate (new customers only) and a high yield all year long

> Free unlimited check writing

> Online banking with optional Online Bill Pay1

> No EverBank ATM fees and unlimited reimbursement for ATM fees from other banks2

> FDIC insured

> View current rates at EverBankAdvisor.com1. The FreeNet Checking Account offers optional Online Bill Pay. Online Bill Pay has no fee when you maintain a minimum average monthly balance of at least $5,000. Otherwise an $8.95 monthly fee is assessed for Online Bill Pay.2. EverBank will automatically reimburse non-EverBank charges on U.S. ATM transactions during any month that the customer maintains a minimum $5,000 average monthly balance in their account.

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Money Market Accounts

Yield PledgeSM Money Market Account: High yields without tying up your funds in a CD.

> Great 3-month bonus rate (new customers only) and a high yield all year long

> Online Banking

> Low $1,500 initial deposit

> FDIC insured

> View current rates at EverBankAdvisor.com

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Certificates of Deposits (CDs)

> EverBank Yield Pledge1—yields pledged to be in the top 5% of leading banks competitive accounts

> Online Banking

> Low $1,500 initial deposit

> FDIC insured

> View current rates at EverBankAdvisor.com

1. EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in the Bankrate.com National Index™ of leading banks and thrifts. For the Yield Pledge CD this pledge applies at the time of purchase, or when rolling your expiring CD into a new CD with EverBank.

Yield PledgeSM CDs

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> FDIC insurance up to $50 million1

> Available as part of the CDARS® network

> Ideal for high net worth customers, business owners, non-profits, and more > View current rates at EverBankAdvisor.com

Certificates of Deposits (CDs)

1. The Certificate of Deposit Account Registry Service (CDARS) offers Certificates of Deposit (CDs) that allow FDIC insurance in excess of single institution limits, subject to availability based on CD term and participation limits. Placement is based on date and time of application approval and funding. Deposits above single institution FDIC insurance limits will not benefit from higher insurance protection until the CDARS account is Placed. Accounts are Placed each week on Thursday or the next business day thereafter. Early withdrawal penalties apply. A minimum deposit of $10,000 is required to open the account. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. Published rates and APYs are not applicable to CDs in excess of $5 million; please call for a rate quote.

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CDARS® CDs

EverBank World Markets

> Diversify your portfolio using global markets?

> Possibly hedge against periods of inflation?

> Manage your foreign currency exposure?

> Transfer funds among different global markets easily and more cost effectively?

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Do you want to:

EverBank® World Markets

> Reduce overall portfolio risk

> Hedge vs. the U.S. dollar and other currencies

WorldCurrency® Access Deposit Accounts

> Low $2,500 initial deposit (some exceptions apply)

> No monthly or annual account fees

> FDIC insured for bank insolvency1

WorldCurrency Single Currency CDs and Basket CDs

> Various terms available

> $10,000 initial deposit for single currency CDs (some

exceptions apply); $20,000 for basket CDs

> No monthly or annual account fees

> FDIC insured for bank insolvency1

1. EverBank is an FDIC insured federal savings association. The standard FDIC insurance amount of $250,000 is in effect through December 31, 2013. On January 1, 2014 the standard FDIC insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. FDIC insurance covers against loss due to the failure of the institution, but not market related fluctuations including changes in currency prices. Due to the nature and volatility of the foreign exchange market, the values of currencies are subject to wide fluctuations against the U.S. dollar and investments in foreign currency denominated instruments will entail significant risk exposure to adverse movements of the foreign currency relative to the U.S. dollar. The amount of deposit insurance available for funds denominated in foreign currency will be determined and paid in the United States dollar equivalent of the foreign currency on the institution's date of default. As with all investments, you can lose money, including principal, due to currency fluctuations, over the term that you own it. Please only invest with money that you can afford to risk, and as part of a broadly diversified investment strategy. 12

Diversify your portfolio utilizing global markets

MarketSafe Certificate of Deposit

> Market-driven returns and potential market upside payment

> Low $1,500 minimum deposit

> 3 to 6½-year terms available (terms vary based on offering)

> No monthly or annual account fees

> 100% deposited principal protection1

> FDIC insured

1. Principal protection only applies to CDs held to maturity.

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MarketSafe® CDs

MarketSafe Certificate of Deposit

MarketSafe CDs: Hypothetical Growth vs. Principal Protection.Note: This is only an example. Each MarketSafe CD has a different upside calculation.

$115.00

$110.00

$105.00

$100.00

$95.00

$90.00

$85.00

> Fred deposited $10,000 on a 3-Year MarketSafe CD. > John did likewise a year later. For both customers, the initial price of the index was $100.

$100.00

$105.00

$110.00$109.00 $108.00 $109.00

$110.00

$100.00$102.00

$98.00

$95.00$97.00 $96.00

$95.00

Opening Price 1st Measure 2nd 3rd 4th 5th 6th

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MarketSafe Certificate of Deposit

Avg. of the 6 measures

Difference from the $100 opening price

Total Earnings

The Outcome

Fred $108.50 $8.50 $10,850Fred earned 8.5% on his initial investment.

John $97.80 -$2.20 $10,000John benefited from 100% deposited principal protection and received his deposit back at maturity.

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MarketSafe CDs: Hypothetical Growth vs. Principal Protection.Note: This is only an example. Each MarketSafe CD has a different upside calculation.

EverBank Small Business Banking

> Have cash flow variations or cash reserve concerns?

> Have a low risk tolerance?

> Want easy transfers between accounts at different financial institutions?

> Have large deposits needing FDIC insurance?

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Do you:

EverBank Business Banking

1. The first 200 items per month are free (not including Bill Pay). A $0.25 per item fee applies thereafter. 2. Subject to credit approval.

> No monthly account fee with an average monthly balance of $5,000 or more. A $14.95 monthly fee applies to balances below the minimum.

> Low $1,500 initial deposit

> Up to 200 no-charge transactions per month1

> FDIC insured

> Overdraft protection available2

> Online banking with optional online bill pay

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Business Checking Account: Low-cost choice for business with a limited number of monthly checking transactions.

EverBank Business Banking

> High yield all year long

> No monthly account fee with an average monthly balance of $5,000 or more. A $14.95 monthly fee applies to balances below the minimum.

> Low $1,500 initial deposit

> Transfer between EverBank and non-EverBank accounts

> FDIC insured

> View current rates at EverBankAdvisor.com

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Business Money Market Account: For your unique business needs.

EverBank® Business Banking

> Low $1,500 initial deposit

> Earn credit to offset service charges and maintenance fees

> Online banking with optional online bill pay

> FDIC insured

> Overdraft protection available1

1. Subject to credit approval.

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Business Analysis Checking Account: Cost-effective account for business with larger balances and/or transaction volume.

EverBank Business Banking

> Great 3-month bonus rate (new customers only) and a high yield all year long1

> Low $1,500 initial deposit

> Online banking with optional Online Bill Pay

> No minimum balance to earn interest

> No monthly account fees with an average monthly balance of $5,000 or more. A $14.95 monthly fee applies to balances below the minimum.

> Free unlimited check writing

> FDIC insured

> Overdraft protection available2

1. EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in the Bankrate.com National IndexTM of leading banks and thrifts.2. Subject to credit approval.

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Business Interest Checking Account: Sound choice for sole proprietors.

> Low $1,500 initial deposit

> No minimum balance to earn interest

> No monthly account fee with an average monthly balance of $5,000 or more. A $14.95 monthly fee applies to balances below the minimum. > Free unlimited check writing

> FDIC insured

> Overdraft protection available1

EverBank Non-Profit Banking

1. Subject to credit approval.

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Non-Profit Checking Account: Sound choice for non-profits and government agencies.

EverBank Home Lending

> Looking to downsize or upsize, or relocate?

> Having a new baby and looking to upsize?

> Looking for flexible ways to better manage your cash flow?

> Paying for college tuition, medical bills or making a large purchase?

> Remodeling or buying a second home?

> Interested in consolidating debt?

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Are you:

EverBank® Home Lending

For qualified buyers, subject to credit and property approval.

> Choice of fixed-rate, adjustable-rate (ARM) or ARM loan with initial fixed rate period

> Various terms available

> Low lender fees and no point option

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Home-Financing

Questions?

Call: toll free, 888.445.3588 ─ 24 hours a day, 7 days a week, EST.

E-mail: [email protected]

Visit: EverBankAdvisor.com to learn more about EverBank’s products and to access online banking.

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EverBank professionals are always just a click or a phone call away, andready to help.