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.

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 creating a team-oriented work environment in

which every teammate is committed to delivering

impeccable service and a memorable client experience.

•

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.

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.

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

co-branded 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.

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 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.

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 offi cers.

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 emailed throughout the year.

Self-Service Direct Marketing:

Quickly send targeted emails and postcards to clients, prospects or referral sources, promoting SunTrust Mortgage products, programs and special events. Corporate Direct Marketing: Targeted, direct marketing campaigns to existing SunTrust Mortgage clients may include direct mail, email notices and statement messages.

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 Offi cer Websites:

SunTrust Mortgage will develop and maintain your personal website, which includes customizable content and the ability to choose from different navigation menu options.

Open House Flyer System:

Create co-branded property listing fl yers with side-by-side fi nancing 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 Offi ce Signs:

Choose from a variety of interior and exterior signs and personalize with your contact information.

Print and Online Advertisements:

You make the media buy/ad placement with your local publication and Marketing will provide you with a print-

ready PDF of your ad to submit to the publication. Online advertisements are designed to increase traffi c to your personal SunTrust Mortgage website. provide you with a print-

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.

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

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 1500+ 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 emails 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

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 615.391.8480 or by email 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.

Contact

Right opportunity? Right person?

Shine with us.

SunTrust Mortgage, Inc. and its affi liates 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 classifi cation protected by applicable laws. SunTrust supports a diverse workforce, including through its Affi rmative 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 1-800-634-7928.  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.  ©2014 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.