H. Frank Malbon Asst VP / Branch Manager 192 Ballard Court, Suite 401 Virginia Beach, VA 23462 Cell: (757) 288-8800 Office: (757) 213-1200 Toll Free: (800) 748-2147 Fax: (757) 473-9722 Email: FMALBON@southerntrust.com

About Frank

Having more than 25 years experience in the banking business, Frank Malbon has made a career out of lending money. A long term member of the Tidewater Mortgage Bankers' Association and current President of the State Mortgage Bankers' Association, he is a seasoned veteran, experienced in working with a volatile economy. He prides himself on being able to find the right deal for each and every client. Believing referrals and repeat customers are the backbone of a successful business Frank operates with two important goals:

• Always treat your customers as you wish to be treated.
• Under-promise, then over-deliver.

Providing complete, easy to understand information, and personally seeing every loan he originates through to timely completion, Frank is highly respected by his clients and peers throughout Hampton Roads.

Testimonials

"Everyone at Southern Trust who helped me with my loan was great. I wouldn't trust anyone else with my mortgage needs. I recommend everyone to Southern Trust."
- G. Patricia Gentry

"Frank made our loan process painless and easy. He worked with us on OUR schedule."
- Joseph and Elizabeth Baumer

"Thank you for the fine work of Southern Trust in getting our Million dollar deal done in record time!"
- Roger and Barb Shope

"Frank provided us with very professional, prompt, and courteous service."
- Michael and Rena Myers

"Frank did a great job! He was very helpful and willing to answer all of our questions at any time."
- Frank and Rebecca Chesnick