IndyMac Consumer Bank
The Consumer Bank offers mortgage products and banking services through its Website and centralized call centers nationwide, as well as its Southern California branch locations. Our mortgage and banking professionals, as close as the nearest telephone, are available to answer questions regarding loan applications and retail banking transactions.

B2C CHANNEL
Consumers can take advantage of the same technology offered to our B2B and B2R customers through www.IndyMacBank.com and our state-of-the-art call center (888.321.FUND). Working with our knowledgeable team of professional loan consultants, borrowers can compare mortgage rates and programs, complete a loan application, obtain loan approval and lock in an interest rate all online — or on the telephone — and all in just minutes! Online applicants have the option of receiving an online approval letter that can be printed out directly from the Web.

HELOC DIVISION
In 2002, IndyMac established the HELOC Division, which specializes in providing second mortgages and HELOCs nationwide through direct marketing to homeowners. With a streamlined application process and competitive pricing, this division provides homeowners the ability to easily tap the excess equity in their homes for a variety of uses. With the HELOC product, homeowners have convenient access using equity checks or a Visa® credit card.

Incorporated into our e-MITS platform, our home equity products are available across all IndyMac's mortgage channels to new and existing mortgage or banking customers.

RETAIL BANK/DEPOSITS
Through our Website at www.IndyMacBank.com, consumers can access their accounts 24-hours a day, seven days a week. Online banking allows customers to access their accounts, view balances, transfer funds between accounts, view transactions, download account information and pay their bills conveniently from any computer terminal. Consumers can also conduct transactions through our telebanking operation (800.998.2900) or in one of our Southern California branches. To better serve our customers and enhance brand recognition, we plan to expand our branch network over the next five years.

Investment Portfolio Group
IndyMac's Investment Portfolio Group complements the Company's mortgage banking activities and serves to diversify the Company's revenue stream through its investments in single-family mortgage loans, mortgage-backed securities and mortgage servicing rights. The Investment Portfolio also invests in mortgage assets that are created through the securitization or sale of loans in the secondary market.

The Investment Portfolio's investment in prime single-family residential mortgages, mortgage-backed securities and mortgage loan servicing also helps to provide a steady source of net interest income to counterbalance the cyclical nature of mortgage production. As production ebbs due to factors such as increasing interest rates, the value of the Investment Portfolio's mortgage servicing rights generally also rises, as there is less incentive for borrowers to refinance at a higher interest rate. This serves to stabilize the Company's revenue stream through increased interest income and servicing fees when production slows.

In addition to its revenue contribution, the Investment Portfolio performs the mortgage servicing function. This creates an added opportunity to recapture current customers when the interest rate environment makes it attractive for them to refinance. Servicing customers can also be cross-marketed with other Company products.