Key Loan Program LTV/TLTV Tables and ARM Qualifying Rates Prior to December 9, 2013

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1 Prior to December 9, 203 Loan-to-Value (LTV): Primary Residence - The table below shows information pertaining to standard guidelines for the purchase and rate/term refinancing of one () unit primary residences, excluding transactions, ineligible SunTrust Portfolio to SunTrust Portfolio rate/term refinance transactions and non-suntrust to SunTrust rate/term refinance transactions if the property is located on the SunTrust Mortgage Declining Market index and/or identified on the appraisal as being in a declining market. Reference: See the subtopic in the Eligible Transactions topic subsequently presented for additional information regarding SunTrust Portfolio to SunTrust Portfolio rate/term refinance transactions. Reference: See Section.09: SunTrust Mortgage Declining Market Guidelines of the Correspondent Seller Guide for additional information. LTV 3 80% 80% % 80% 2,4 2 Loan # of 3 Units $,000,000 $,500,000 $2,000,000 Min Credit Score 3 DTI 2 Months 40% 2 Months 40% 2 Months 40% The maximum LTV/ tier for properties located in the state of Arizona is / prior to 2 The maximum LTV/ tier for properties located in the state of Arizona is / prior to 3 Not eligible for 4 For loans that are within the 80%/80% LTV/ and $,000,00 - $,500,000 loan amount tier, new secondary financing is not eligible on either purchase or rate/term refinance transactions. Key LTV/ Tables and ARM Qualifying Rates Matrix 2/06/203

2 Prior to December 9, 203 (continued) - Primary Residence (continued) The table below shows information pertaining to standard guidelines for the purchase and rate/term refinancing of two (2) unit primary residences and unit transactions, ineligible SunTrust Portfolio to SunTrust Portfolio rate/term refinance transactions and non-suntrust to SunTrust rate/term refinance transactions if the property is located on the SunTrust Mortgage Declining Market index and/or identified on the appraisal as being in a declining market. Reference: See the subtopic in the Eligible Transactions topic subsequently presented for additional information regarding SunTrust Portfolio to SunTrust Portfolio rate/term refinance transactions. Reference: See Section.09: SunTrust Mortgage Declining Market Guidelines of the Correspondent Seller Guide for additional information. A reduction of 5% to the maximum LTV/ listed in the table below is required for Note: If there are multiple reductions that apply to a single property then all are applied cumulatively. Example: A condominium in a region where there is a 5% LTV/ reduction as a result of being in a declining market would be subject to a total 0% LTV/ reduction. All condominiums are limited to a maximum loan amount of $,000,000. LTV 80% 2 80% 2 Loan 2 Units and Unit Condominiums $,000, Min Credit Score DTI 2 Months 40% $,500, Months 40% 2 $2,000, Months 40% The maximum LTV/ tier for properties located in the states of Arizona and California is / prior to 2 The maximum LTV/ tier for properties located in the states of Arizona and California is / prior to Key LTV/ Tables and ARM Qualifying Rates Matrix 2/06/203

3 Prior to December 9, 203 (continued) Loan-to-Value (LTV): Primary Residence The table below shows information pertaining to loans that meet expanded guidelines for gross disposable income (GDI) on the purchase and rate/term refinancing of a one () unit primary residence. Reference: See the Gross Disposable Income subtopic in the Income topic subsequently presented for additional information. Loans in the table below are not considered exceptions, but require elevated underwriting approval. transactions, ineligible STM Portfolio to STM Portfolio rate/term refinance transactions and non-stm to STM rate/term refinance transactions if the property is located on the SunTrust Mortgage Declining Market Index and/or identified on the appraisal as being in a declining market. Reference: See the subtopic in the Eligible Transactions topic subsequently presented for additional information regarding STM Portfolio to STM Portfolio rate/term refinance transactions. Condominiums are NOT eligible for the expanded guidelines below. Refer to the Loan-to-Value guidelines previously presented for LTV 80% 80% % 80% 2,3 2 Loan # of Units $,000,000 $,500,000 $2,000,000 Fully Amortizing Min Credit Score Gross Disposable Income (GDI) DTI 2 Months >/= $6,000 45% 2 Months >/= $6,000 45% 2 Months >/= $6,000 45% The maximum LTV/ tier for properties located in the state of Arizona is / prior to 2 The maximum LTV/ tier for properties located in the state of Arizona is / prior to 3 For loans that are within the 80%/80% LTV/ and $,000,00 - $,500,000 loan amount tier, new secondary financing is not eligible on either purchase or rate/term refinance transactions. Key LTV/ Tables and ARM Qualifying Rates Matrix 2/06/203

4 Prior to December 9, 203 (continued) Loanto-Value (LTV): Primary Residence - Cash-Out The table below shows information pertaining to standard guidelines for the cash-out refinance of a one () unit primary residence. Declining market reductions apply if the property is located on the SunTrust Mortgage Declining Market Index and/or identified on the appraisal as being in a declining market. A reduction of 5% to the maximum LTV/ listed in the table below is required for Note: If there are multiple reductions that apply to a single property then all are applied cumulatively. Example: A condominium in a region where there is a 5% LTV/ reduction as a result of being in a declining market would be subject to a total 0% LTV/ reduction. All condominiums are limited to a maximum loan amount of $,000,000. Reference: See Section.09: SunTrust Mortgage Declining Market Guidelines of the Correspondent Seller Guide for additional information. Loan # of Cash-Out LTV Units Min Credit Score DTI $,000,000 cash-out for 40% $,500,000 LTV/ s greater 40% $2,000,000 than 50% is $350,000. cash-out for LTV/ s less than or 40% equal to 50% is unlimited to maximum loan amount. cash-in-hand is unlimited to maximum loan amount except on condominium transactions. Twelve (2) months cash reserves are required. Cash-out may NOT be used to meet reserve requirements. cash-out for condominiums may not exceed $00,000 including paid debts, unseasoned subordinate financing and cash-in-hand. Loanto-Value (LTV): Primary Residence Cash-Out Not Eligible Key LTV/ Tables and ARM Qualifying Rates Matrix 2/06/203

5 Prior to December 9, 203 (continued) Loan-to-Value (LTV): Second Home - The table below shows information pertaining to standard guidelines for the purchase and rate/term refinancing of a second home. Declining market reductions apply on purchase transactions and non-suntrust to SunTrust rate/term refinance transactions if the property is located on the SunTrust Mortgage Declining Market index and/or identified on the appraisal as being in a declining market. Reference: See the subtopic in the Eligible Transactions topic subsequently presented for additional information regarding SunTrust Portfolio to SunTrust Portfolio rate/term refinance transactions. A reduction of 5% to the maximum LTV/ listed in the table below is required for Note: If there are multiple reductions that apply to a single property then all are applied cumulatively. Example: A condominium in a region where there is a 5% LTV/ reduction as a result of being in a declining market would be subject to a total 0% LTV/ reduction. All condominiums are limited to a maximum loan amount of $,000,000. Reference: See Section.09: SunTrust Mortgage Declining Market Guidelines of the Correspondent Seller Guide for additional information. LTV Loan # of Units $,000,000 Min Credit Score DTI 2 Months 40% $,500,000 2 Months 40% $2,000,000 2 Months 40% Not eligible for Key LTV/ Tables and ARM Qualifying Rates Matrix 2/06/203

6 Prior to December 9, 203 (continued) Second Home The table below shows information pertaining to loans that meet expanded guidelines for gross disposable income (GDI) on the purchase and rate/term refinancing of a second home. Reference: See the Gross Disposable Income subtopic in the Income topic subsequently presented for additional information. Loans in the table below are not considered exceptions, but require elevated underwriting approval. transactions, ineligible STM Portfolio to STM Portfolio rate/term refinance transactions and non-stm to STM rate/term refinance transactions if the property is located on the SunTrust Mortgage Declining Market Index and/or identified on the appraisal as being in a declining market. Reference: See the subtopic in the Eligible Transactions topic subsequently presented for additional information regarding STM Portfolio to STM Portfolio rate/term refinance transactions. Condominiums are NOT eligible for the expanded guidelines below. Refer to the Loan-to-Value guidelines previously presented for LTV Loan # of Units $,000,000 $,500,000 Min Credit Score Gross Disposable Income (GDI) DTI 2 Months >/= $6,000 45% 2 Months >/= $6,000 45% $2,000,000 2 Months >/= $6,000 45% Key LTV/ Tables and ARM Qualifying Rates Matrix 2/06/203

7 Prior to December 9, 203 (continued) Second Home Cash-Out Not Eligible Investment Property Not Eligible Liabilities and Qualifying Ratios Qualifying Rate For fully amortizing, traditionally underwritten loans, the following guidelines applies: Fixed Rate The borrower is qualified at the fully amortizing note rate payment. 5/ LIBOR ARMs The borrower is qualified on the greater of the Note rate plus 2% or the fully indexed rate (margin plus current index value). 7/ and 0/ LIBOR ARMs The borrower is qualified at the fully amortizing initial Note rate. Key LTV/ Tables and ARM Qualifying Rates Matrix 2/06/203