How we shine. How can we help you shine is more than a tag line; it s our unparalleled commitment to both clients and teammates.

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1 How we shine At SunTrust Mortgage, we ve helped millions of clients realize their dream of homeownership, an accomplishment we take great pride in. How have we consistently achieved such an impressive record of success? By hiring client-focused mortgage professionals who recognize the importance of intimately understanding their clients needs and crafting solutions that make moving day a reality. By providing dedicated employees, our most valuable asset, with the resources and rewards to grow, flourish and succeed in business and in life. How can we help you shine is more than a tag line; it s our unparalleled commitment to both clients and teammates. By creating a team-oriented work environment in which every teammate is committed to delivering impeccable service and a memorable client experience.

2 Why SunTrust Mortgage We re committed to providing our teammates with an environment that fosters success. Client ownership Our mortgage professionals are not only the face of our company, but the heart of each client connection. We trust in them to own and nurture client relationships, now and in the future. Outstanding fulfillment and support Benefit from the support and backing of an efficient service team. Our commitment to closing on time is an unwavering priority. Powerful marketing tools State-of-the-art lead generation programs, prospecting tools and personalized websites help generate new opportunities with prospective clients and business partners. Product innovation In addition to traditional offerings, we pride ourselves on exclusive portfolio products that give our mortgage professionals a competitive edge in the mortgage marketplace. Teamwork and accountability With a culture of mutual accountability, teammates work closely together to achieve excellence in execution and client delight. We excel as one team. Communication and transparency We listen to our employees; they are the voice of our company and the heart of our success. Our senior management actively solicits feedback and ideas from team members through numerous forums. Financial strength and stability The financial resources and backing of a stable world-class banking organization allow our teammates to focus their efforts where they belong meeting client needs. Community involvement Our company actively supports the communities we serve and strongly encourages volunteerism through Shine On, a corporate program inspiring community participation and social responsibility. Career growth and advancement Our people are our most important asset and our first priority is investing in them. We offer an exceptional training curriculum and top performers enjoy exciting potential for advancement. Excellent compensation and benefits Our goal is to hire and retain the best talent in the industry. Our employees prosper from an outstanding compensation plan that recognizes and rewards sales excellence. We firmly believe that when we work together and pool our individual strengths, we shine as one.

3 Referral Strategy We recognize that distinctive referral segments require focus and specialization. For this reason, we ve established skilled business development and support teams for four unique sources of business. Realtors Real estate agents are the heart of our referral network. With over 63,000 agents in our footprint, we have aligned a skilled team to support these strategic alliances and provide helpful marketing support. We go the extra mile to support the success of our referral partners, because their success is our success. From numerous marketing agreements with major real estate companies to simple desk rentals, we provide cobranded sales materials, signage, and the tools needed to support our preferred lender relationships. Builders We ve created a suite of innovative construction products providing greater leverage in developing home builder relationships. With exclusive construction-permanent solutions and end-loan builder rate-saver options, plus a dedicated operational and business development support structure, SunTrust Mortgage is positioned to be a major player in this market. Private Wealth With affluent consumers comprising a significant home buying segment in addition to a significant number of SunTrust Bank clients, we have tailored several mortgage solutions to meet their needs. From an industry-leading doctor s mortgage to selective jumbo products, we can address the unique lending needs of affluent and wealthy homebuyers with a competitive advantage. Branch Network As part of a $170 billion dollar bank serving four million retail and commercial clients in the Mid-Atlantic and Southeast, SunTrust Mortgage serves one of the most productive referral pipelines in the country. Recognized in the industry for inspiring client loyalty through exceptional service, SunTrust bankers focus on uncovering client needs by developing long-term, trusted relationships. And if a mortgage need arises, our bankers warmly introduce our loan officers to their clients to help them understand options that fit their personal goals for financial well-being.

4 Products & Programs SunTrust Mortgage is a full-service lender, proudly offering a wide range of financing solutions tailored to our clients needs and circumstances. Conventional mortgages for conforming loan amounts Fixed and adjustable rate mortgages 1 (ARMs) Government mortgage programs such as FHA, VA and Rural Development State Housing Authority/Bond programs (subject to state availability) Portfolio Affordable program Traditional and portfolio jumbo financing including Jumbo Solution Second Mortgage Doctor Loan Program 2 with higher loan limits and no private mortgage insurance for doctors and dentists Construction-Permanent 3 financing for custom home building and renovations Builder Rate Saver, and extended lock program for select ARM 1 products during the home construction process 1 Adjustable Rate Mortgage (ARM) products have interest rates that may increase after consummation. 2 Available only in AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA to licensed Residents, Interns, Fellows in MD and DO programs and licensed Physicians and Dentists (MD, DO, DDS, DMD) who have completed their residency within last ten years. Doctors with over ten years post residency need to be members of SunTrust Private Wealth Management (PWM) or belong to a practice that is part of PWM to be eligible for this product. 3 SunTrust Construction-Permanent Financing is only available in AL, AR, DE, FL, GA, MD, MS, NC, PA, SC, TN, VA, WV and DC through Construction- Permanent Certified Retail Loan Officers. CP loans in AR and MS must be originated through the Memphis, TN mortgage office.

5 Continuity Loyalty Program The Continuity Loyalty Program is a relationship-building direct marketing and lead generation program. This dynamic marketing tool keeps you front and center with your existing clients, referral sources and prospects to help capture future sales opportunities. HomeFront Newsletter: Professionally designed mortgage newsletters are sent to clients and prospects quarterly. Client newsletters are provided at no expense to loan officers. Self-Service Direct Marketing: Quickly send targeted s and postcards to clients, prospects or referral sources, promoting SunTrust Mortgage products, programs and special events. E-Cards and Postcards: In addition to sending all new clients and prospects a warm thank-you card, a variety of additional announcements and seasonal messages are ed throughout the year. Corporate Direct Marketing: Targeted, direct marketing campaigns to existing SunTrust Mortgage clients may include direct mail, notices and statement messages.

6 Marketing Tools & Platforms You ll have access to some of the most innovative marketing tools and programs around, all backed by industry-leading service and the strength of the SunTrust brand. Our Marketing team directly supports the Mortgage line of business with a full suite of marketing tools, including all of the resources needed to successfully build client and referral bases. Loan Officer Websites: SunTrust Mortgage will develop and maintain your personal website, which includes customizable content and the ability to choose from different navigation menu options. Print and Online Advertisements: You make the media buy/ad placement with your local publication and Marketing will provide you with a printready PDF of your ad to submit to the publication. Online advertisements are designed to increase traffic to your personal SunTrust Mortgage website. Open House Flyer System: Create co-branded property listing flyers with side-by-side financing scenarios. Free electronic delivery. Custom Creator: Promote yourself and build your business quickly and easily with personalized marketing materials that you generate on your own schedule. Options for free electronic delivery. FedEx Office Signs: Choose from a variety of interior and exterior signs and personalize with your contact information.

7 Work/Life Balance & Benefits SunTrust believes that the value of work is more than a paycheck. It s about benefits and programs that promote your physical and financial well-being. It s the environment we create as a working community, and the things we do to help you maintain balance and control in your life outside work. Our comprehensive benefits plan currently features: Medical, dental and vision coverage An employee assistance program, including dependent care resources and other referral services Life insurance, business travel accident insurance and group universal life insurance Long-term disability benefits Long-term care insurance Flexible spending accounts (FSAs) for dependent care and health care reimbursement and a Health Reimbursement Account for incentives Additionally, SunTrust helps you plan for a secure future. Planning for a secure retirement is a cornerstone of your long-term financial well-being. The SunTrust 401(k) Plan is funded by your contributions and SunTrust contributions, and offers a choice of investment options. Save from 1% to 50% of pay in pre-tax or after-tax dollars. Matching contributions: If you contribute to the 401(k) Plan, SunTrust matches your contributions $1 for $1 up to 6% of your pay. Annual special contribution: SunTrust intends to make a special contribution to every teammate s 401(k) account following the end of each plan year, between 0% and 4% of your eligible compensation with 2% as the target. Even if you are not enrolled in the 401(k) Plan, SunTrust will open an account and make the contribution on your behalf.

8 Community Involvement Shine On is our call to action as well as the name of our volunteerism and corporate social responsibility program. Designed to inspire teammates to think about their personal passions and interests around volunteering, Shine On also provides the opportunity for sharing financial well-being resource tools with their favorite charity. As a company, SunTrust Mortgage: Has proudly supported the United Way campaign since 1995 Has participated in the American Cancer Society s Making Strides Against Breast Cancer Walk since 2003 Has supported the Central Virginia Food Bank since 2004 Is a long-standing corporate sponsor of First Book, a national non-profit organization that gives children from low-income families the opportunity to read and own their first new books For our teammates, we provide: 16 hours of paid time off to volunteer in your community The opportunity to participate and be recognized in the Presidential Service Award Program An easy way to learn about volunteer opportunities in your area through the Shine On portal A simple way to log your volunteer and board service hours online

9 Shine with SunTrust Mortgage Commitment to Success Direct responsibility for management of client relationships Outstanding service and fulfillment teams including company-funded sales support Robust mortgage product suite including exclusive portfolio products Positive, open interaction with senior management including a CEO advisory board and sales excellence forums Mortgage-focused technical, marketing and human resource support teams Innovative sales training programs for development of advanced skill sets Dedicated builder and realtor leadership teams supporting expansion of strategic alliances Productive referral pipeline from major national bank with branches Lead Generation Sources Sales platform that houses leads from multiple sources Credit, payoff and pre-mover triggers Home Value Finder Mortgage calculators Rate Watch Online pre-qualifications Online applications Proprietary Multiple Listing Service Client surveys Direct marketing Advertising & paid search Powerful Marketing Tools Bank-funded client continuity loyalty program to maximize customer retention and repeat sales Custom Creator platform for on-demand development of customized marketing collateral Automated Open House Flyer System for the creation of customized, co-branded listing flyers Self-Service Direct Marketing Tool with expansive template library for LO-originated s and postcards Proactive direct marketing programs to drive new business opportunities to LOs Personalized monthly economic forecasts Homebuyer Privileges website with valuable retail discounts and savings for clients ABAs, desk rentals and marketing agreements Compensation and Benefits Competitive compensation plans SunTrust University comprehensive training programs Comprehensive medical, dental and vision benefits Matching 401(k) contributions Physical and financial well-being education programs SunPerks employee discounts and savings Leading Technology Client-centric streamlined origination model Free personalized websites for LOs (24/7 virtual office) Online applications with 1003 re-population feature Electronic document delivery Website links to business partners Advanced market analytics and support tools Strong Parent Bank Subsidiary of SunTrust Bank, a $170+ billion institution operating in Southeast and Mid-Atlantic states, with more than 1,500 bank branches and 2,800 ATMs Reliable support from SunTrust Bank as key funding source Well-respected and nationally recognized brand Two-way referral network anchoring dynamic and successful corporate cross-sales strategy Industry leader in community support and involvement

10 Contact Right opportunity? Right person? Shine with us. suntrust.com/careers If you are an individual with a disability or a disabled veteran who is unable to use our online tools to search and apply for jobs, you may request a reasonable accommodation by contacting us at or by at careers@suntrust.com. This option is reserved for individuals who are unable to use or require assistance with the online tools as the result of a disability and is not intended for other purposes. SunTrust Mortgage, Inc. and its affiliates are equal opportunity employers and do not discriminate in recruitment, hiring, training, promotion, or other employment practices based on race, color, gender, religion, national origin, age, disability, veteran status, sexual orientation or any other classification protected by applicable laws. SunTrust supports a diverse workforce, including through its Affirmative Action Programs. SunTrust intends to ensure a safe and productive work environment consistent with the Drug-Free Workplace Act of 1988, including through drug testing as a condition of employment. This brochure is not an offer of employment or a contract and does not impose any contractual obligations on SunTrust. Equal Housing Lender. SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc. How can we help you shine? is a service mark of SunTrust Banks, Inc.