Value We must provide value to our customers every day. Dedication Value is built through the dedication, hard work, adaptability and creativity of our employees. Talented and motivated employees make the difference. IndyMac is a special place and it is crucial that we ensure that we only recruit special people. Success Employees, customers and shareholders are inextricably linked in a virtuous cycle of success: if employees are satisfied, motivated and well-trained, then profitable customers will be properly served and satisfied; satisfied customers will reward us with their business, driving our profitability and resulting in performance for our shareholders; profitability and performance for our shareholders will enable us to continue to invest in the quality and training of our employees, further enhancing and perpetuating the cycle of success. Execution Strategy is important, but not as important as execution. We must excel in our execution and follow-through to be successful. Change Competition and technology will result in constant change. We must foresee change, be flexible and adapt quickly to protect and build our businesses. Truth Truth, honesty and integrity are critical values to IndyMac. We must always be truthful and honest and conduct ourselves with integrity. Diversity We believe that a diverse work force is a source of strength for IndyMac. We are committed to ensuring that IndyMac’s employees are diverse in their cultures, beliefs, points of view and experiences and that those differences are heard and respected.