(As of June 2008)

SunTrust Mortgage has an outstanding reputation as a top mortgage origination and servicing company:

• Achieved #1 market share in the following regions: Atlanta, Georgia, and Central Virginia
• Ranked #9 in Top Mortgage Originators according to Inside Mortgage Finance as of first quarter 2008
• Ranked #12 in Top 40 Mortgage Servicers according to Inside Mortgage Finance as of first quarter 2008
• Received the Best Performance in Purchase Loan Volume Award from the Florida Housing Finance Corporation in 2007
• Received Fannie Mae’s Circle of Excellence Award in 2006
• Since 2005, has the most nationally-ranked loan officers of any lender, based on the Top 200 Originators annual listing by Mortgage Originator magazine
• Named in the Freddie Mac Hall of Fame in 2005 and 2006
• Consecutively named as a Tier One Platinum Servicer by Freddie Mac from 2000 through 2006

SunTrust Mortgage is recognized as an industry leader for customer satisfaction:

• Ranked #1 overall for the O’Connor & Associates Service and Sales Effectiveness Survey for Customer Service since the second half of 2005
• Ranked #1 overall for the O’Connor & Associates Service and Sales Effectiveness Survey for Inbound Sales since the first half of 2006
• Consistently ranked #1 or #2 in Customer Retention by PricewaterhouseCoopers from first quarter 2006 through fourth quarter 2007
• Ranked #2 in “Highest in customer satisfaction among Home Equity Line of Credit/Loan Originations” by J.D. Power and Associates in 2008
• Received the National Business Research Institute, Inc. Circle of Excellence Award in 2007
• Ranked #1 in "Highest in customer satisfaction among Home Equity Line of Credit/Loan Servicers" by J.D. Power and Associates in 2007
• Ranked #2 in “Highest in customer satisfaction with Primary Mortgage Sales” by J.D. Power and Associates in 2007
• Ranked in the Top 5 in “Highest in customer satisfaction among Mortgage Servicing Companies” by J.D. Power and Associates in 2007
• Awarded the top prize for the 2006 Better Business Bureau Torch Award for Marketplace Integrity among large businesses
• Ranked #1 in “Highest in customer satisfaction with Primary Mortgage Sales” by J.D. Power and Associates in 2006
• Ranked #1 in “Highest in customer satisfaction among Mortgage Servicing Companies” by J.D. Power and Associates in 2005
• Ranked #2 in “Highest in customer satisfaction with Primary Mortgage Sales” by J.D. Power and Associates in 2005

SunTrust Mortgage is actively involved in our communities:

• Proud 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
• Sterling Edmunds, Jr., President and CEO of SunTrust Mortgage, Inc., has served on the First Book Board of Directors since 2007
• SunTrust Mortgage has pledged $250,000 over 5 years to First Book, and employees have donated over $375,000 personally since 2005
• Proud supporter of the Central Virginia Food Bank since 2004
• 6,298 pounds of food have been donated by SunTrust associates
• Proud supporter of the American Cancer Society’s Making Strides Against Breast Cancer Walk since 2003
• $465,205 has been raised by SunTrust associates
• Proud supporter of the Juvenile Diabetes Research Foundation Walk to Cure from 2002 through 2007
• $112,489 in both corporate and employee donations have been raised
• Proud sponsor of the Christmas Angel Gift Program for over 6 years, providing children in need with employee-donated gifts of clothing and toys
• Proud supporter of the United Way campaign since 1995, raising almost $2 million in both corporate and employee donations
• Proud supporter of the Virginia Blood Services, providing employees the opportunity to donate blood on a quarterly basis
• Provided an educational scholarship award as part of the 2007 Miss Gold Bowl Scholarship Competition

SunTrust Mortgage is committed to enhancing homeownership opportunities in the communities we serve:

• Established SunTrust Mortgage’s African-American Advisory Council and Hispanic Advisory Council in 2006 to better understand the needs of our diverse customer base
• Promotes involvement in the National Association of Hispanic Real Estate Professionals (NAHREP), a non-profit organization whose mission is to increase Hispanic homeownership rates
• Rod Flowers, Vice President and Retail Loan Officer, voted the Best Mortgage Lender on the Eastern Shore in Metropolitan Magazine’s 2006 “Best Of” issue
• Received an "Outstanding" Community Reinvestment Act (CRA) rating from the Federal Reserve Bank of Atlanta in its latest examination in 2005
• Awarded a “Top 10 Lender” designation by the Virginia Housing Development Authority every year since 2003

SunTrust Mortgage values diversity in the workplace:

• Participated in the Mortgage Bankers Association-sponsored Path to Diversity Scholarship Program since 2003, donating over $80,000 in scholarship funds, with 33 SunTrust Mortgage scholarship recipients
• Ranked #20 in the “Top 50 Companies for Diverse Managers to Work” in DiversityMBA magazine in 2007
• Named as a Top 50 company in DiversityInc magazine in 2005 and 2006 and recognized as a Top 25 “noteworthy” company in 2007
• Participated in the INROADS intern program for outstanding ethnically diverse students since 2007
• Received an Honorable Mention for the Best Overall Corporate Diversity Program-National by the Corporate Diversity Leadership Award Program of the Mortgage Bankers Association in 2007
• Achieved a Corporate Equality Index score of 100 for the Human Rights Campaign in 2005
• Martha Simmons, executive vice president and National Retail Production Manager, named as one of the “Top 25 Women to Watch” by U.S. Banker magazine in October 2005