IndyMac Bancorp, Inc. (NYSE:NDE) is the holding company for IndyMac Bank, a leading technology-based mortgage bank with proprietary, award-winning systems to facilitate, among other things, automated underwriting and risk-based pricing on a nationwide basis via the Web. IndyMac’s mortgage banking group offers multi-channel distribution of its mortgage products and services through a nationwide network of mortgage brokers, mortgage bankers, community financial institutions, realtors and homebuilders. The mortgage banking group also offers mortgage products and services directly to consumers through the Internet, telephone and its Southern California branch structure. IndyMac Bank also offers a wide array of Web-enhanced banking services, including deposits and home equity lines of credit, in addition to its core mortgage products and services and provides commercial loans to homebuilders for the purpose of constructing new single-family residences. IndyMac Bank is FDIC-insured. IndyMac’s management is committed to delivering superior returns and increasing shareholder value. IndyMac’s total annualized return to shareholders for the period 1993 through December 31, 2001 of 26%, under its current management team, has exceeded the comparable returns of 16% and 14% for the Dow Jones Industrial Average and S&P 500, respectively, for the same period. Like all Americans, and our many friends around the world, we at IndyMac Bank felt the tremendous impact of the tragic events of September 11th. Each of us was affected in a profoundly personal way and some among us lost friends and loved ones. As we put the year behind us, we would like to take a moment to reflect and extend our heartfelt gratitude to the members of the Armed Forces, firefighters, police officers and all those who continue to work so hard to protect and serve our Country. The people at IndyMac will never take you for granted. God bless America.