We're proud of SunTrust Mortgage's user-friendly business-to-business Web site, STMPartners.com. Our focus here is to deliver the tools to our customers that will enhance the daily flow of business to SunTrust. We've combined modern technology in our industry with something our customers are already very familiar with — our personal service. Below is a brief overview of what STMPartners.com allows our customers to do online:

• Choose a loan program and receive rate-sheet pricing with register/lock options
• View and print or download current rates anytime
• Easily find information you need in the online STM Seller Guide
• Locate a particular borrower or loan with Pipeline Manager
• Offer customers the ability to download and customize our online marketing flyers
• Receive electronic Web Docs from SunTrust, instead of waiting for faxes
• Use our Work Queue feature to import a file for AUS registration
• Import a loan file to eliminate re-keying of data
• Submit files electronically to Fannie Mae's Automated Underwriting Systems
• View underwriting findings and credit reports online
• Register/lock imported loans with the click of a button
• View a brief on-line training presentation

Register/lock options with Immediate confirmation.

On STMPartners.com, you can enter a loan, choose a program, and receive rate-sheet pricing with options to register or lock the loan. All prices include adjustments based on the loan parameters. Any loan registered and/or locked on the site will result in an immediate confirmation of your transaction.

We have incorporated pricing scenarios into our site so you can compare various loan parameters and prices. Using this function, it takes minimal data entry to receive an adjusted price. You'll also be pleased to know that no re-keying is required if you choose to register, lock, or re-price the loan.

Current rates anytime.

With STMPartners.com, our correspondents don't have to wait by the fax machine for rate information. They can access the latest rates, and then print or download the file. Current pricing messages are always displayed on the Web site in the same place - at the top of the "SunTrust Mortgage rate sheet" screen.

Saving time with the online STM Seller Guide.

Many business partners tell us that the STM Correspondent Seller Guide is one of the most useful tools on the STMPartners.com Web site. They no longer have to search tediously for the most current pages in a massive manual. Nor do they have to waste valuable resources and time updating manuals within the organization when a product enhancement is announced. By simply choosing "STM Seller Guide" on the toolbar, our customers have access within seconds to the latest product descriptions, bulletins, forms and much more.

An intelligent search tool allows users to locate all references to a particular topic within minutes. Bookmarks help guide them through the more lengthy documents, while point-and-click access to different sections make the navigation process easy and quick.

Pipeline Manager.

With this multifunctional tool available on STMPartners.com, our business partners have easy access anytime to current information about loans in the pipeline.

A variety of search criteria may be used to locate a particular borrower or loan. Once a loan has been selected, its current status is displayed on-screen. If the loan is not yet locked, up-to-date rate-sheet pricing also appears on the screen, giving the customer the option to lock-in the current rate.

Instant Web Docs.

Web Docs is a time-saving tool that uses an Internet-based document delivery function. This feature keeps SunTrust Mortgage correspondents from having to wait for critical items to be faxed or mailed.

By choosing the Web Docs icon on the toolbar at STMPartners.com, a particular document can be printed simply by clicking on the file. Once selected, the file is immediately sent to the user's local printer.

Like other STMPartners.com features, Web Docs helps our customers and our employees complete their jobs more quickly and efficiently. That's an advantage our business partners appreciate as much as our own correspondent team does!