A Profile of SunTrust Mortgage

Our Mission:
To help people and institutions prosper by providing financial services that meet the needs, exceed the expectations, and enhance the lives of our clients, communities, colleagues, and ultimately our shareholders.

Our Organization:
SunTrust Mortgage, Inc. is a wholly-owned subsidiary of SunTrust Bank — a $172.6 billion institution operating in Virginia, the District of Columbia, Maryland, North Carolina, South Carolina, Georgia, Alabama, Tennessee and Florida. Currently, SunTrust Mortgage, Inc. originates loans through locations in SunTrust markets and adjacent states, and we maintain strong correspondent and broker relationships in 49 states. We also service mortgage loans in 49 states and the District of Columbia.

Senior management:
Jerome T. Lienhard, President and CEO
Sterling Edmunds, Jr., EVP, National Sales and Production Mgr.
Katie O. Jones, SVP, Human Resources
Stephanie Karfias, SVP, Managing Counsel
Paul Mangelsdorf, EVP, Credit Risk
Mark Pregmon, EVP, Consumer Bank Operations
Bill Russell, Managing Director, Audit
Steve Shriner, SVP, Chief Financial Officer
Mark Shulman, SVP, Chief Credit Officer
Brian Szabo, SVP, Strategy and Change Management
Paul Thomas, EVP, Capital Markets
Mike Zarro, EVP, Legacy Mortgage Executive
Kim Bolger, SVP, Channel Optimization and Bank Integration

Strategic focus:
Day-to-day activities in all of SunTrust Mortgage's endeavors reflect five fundamental corporate priorities:

• Delivering superior client service
• Maintaining a highly skilled and motivated work force
• Emphasizing credit quality
• Maintaining a strong balance sheet
• Focusing on income and cost management