Flagstar Bank Home Lending Presented By: Your Name Home Loan Center Location

History of Flagstar Bank Thomas Hammond acquired a thrift charter to form First Security Bank 1987 Aquired Secuirty Savings in Jackson, MI 1994 Flagstar Bank became publicly traded on the NASDAQ® in april 1997 1980 2008 First Security Savings Bank expanded home lending operations nationally 1992 In order to reflect its Diversified business And national scope, First Security Savings Bank changed its name To Flagstar Bancorp Inc. 1996 On July 13th, the company’s securites listing moved to the NYSE®, trading under the symbol FBC 2001

Notable Accomplishments & Accolades Achieved Freddie Mac’s prestigious 2007 Tier One Platinum performance ranking Named one of the 25 Top Tech Savvy Lenders 5 consecutive years ~ Mortgage Technology Magazine Finalist in the 2007 Technology Awards for work on eClosings Ranked in top 15 for mortgage originations DocVelocity awarded the “2008 Release of the Year” USDA “Outstanding Lender” Award for closing over 2-Billion dollars in guaranteed loans.

Flagstar Bank By the Numbers Well-capitalized federal savings bank with $14.2 billion in assets $7.0 billion working line of credit with the Federal Home Loan Bank ($1.0 billion is typically untapped) $800 million undrawn line of credit with the Federal Reserve $4.8 billion in retail deposits

Mortgage Origination Growth 85.4% increase in first-quarter 2008 residential mortgage originations from a year earlier ~ NMN/Quarterly Data Report Largest gain of any company in Q1 2008 $25 billion in residential mortgage originations for 2007; an increase of 37.6% from 2006 18th largest residential mortgage originator in the country for 2007 7th largest loan seller to Fannie Mae 7th largest FHA lender in the United States

Home Lending Division Home Lending Currently operates 122 Home Loan Centers across the United States. Presence in 28 States including the U.S. Virgin Islands. Co-branding Marketing Content & Websites. Dedicated Underwriting, Marketing & Loan Support Teams. Ability to originate loans in all 50 States.

Banking Division Largest publicly held savings bank headquartered in the Midwest! American Customer Satisfaction Index (ACSI) results place Flagstar above the 5 largest US banks Entered the Georgia Market in 2005 Currently Flagstar Bank operates 175 banking centers throughout MI, IN & GA Maintains an investment grade rating from Moody’s (as of August 8, 2008)

Home Loan Center Location Email: first.lastname@flagstar.com Questions? Your Name Home Loan Center Location Phone: (xxx) xxx-xxxx Email: first.lastname@flagstar.com