## FLAGSTAR BANCORP, INC. DIRECTORS 

Thomas J. Hammond Mark T. Hammond Charles Bazzy Michael W. Carrie James D. Coleman Richard S. Elsea Kirstin A. Hammond David V. Johnson John R. Kersten C. Michael Kojaian Robert O. Rondeau, Jr. 

## DIRECTORS AND EXECUTIVE OFFICERS 

Chairman of the Board Vice Chairman of the Board, Chief Executive Officer, President Director (outside) Director, Executive Director, Treasurer, Chief Financial Officer Director (outside) Director (outside) Director, Executive Director Director (outside) Director (outside) Director (outside) Director, Executive Director 

## SHAREHOLDER ASSISTANCE 

## FLAGSTAR BANK, fsb EXECUTIVE OFFICERS 

Thomas J. Hammond Mark T. Hammond Michael W. Carrie Kirstin A. Hammond Robert O. Rondeau, Jr. Joan H. Anderson M. David Bowers W. Steven Brooks Alessandro P. Dinello Charles C. Kirkpatrick William M. Robinson III Mary Kay Ruedisueli Karen Shreve 

Chairman of the Board Chief Executive Officer, President Executive Director, Treasurer, Chief Financial Officer Executive Director Executive Director Executive Vice President Executive Vice President Executive Vice President Executive Vice President Executive Vice President, Chief Information Officer Executive Vice President Executive Vice President Executive Vice President 

For help with name, address or stock ownership changes, to report lost or stolen stock certificates or to get assistance with other shareholder issues, please contact our agent directly: Registrar and Transfer Co., Attention: Investor Relations, 10 Commerce Drive, Cranford, NJ 07016 , (800) 368-5948, e-mail: info@rtco.com, Web site: www.rtco.com. 

In all communication with Registrar and Transfer Co., be sure to mention Flagstar Bancorp and provide your name as it appears on your stock certificate, along with your Social Security number, daytime phone number and current address. In addition, individual investors may report a change of address, request a shareholder account transcript, place a stop on a certificate or obtain a variety of forms by logging on to www.rtco.com and clicking Investor Services. 

## DIVIDEND REINVESTMENT PLAN 

Under Flagstar Bancorp's dividend reinvestment plan, registered shareholders may purchase additional shares of Flagstar Bancorp stock by reinvesting their cash dividends. There is no minimum investment required to participate in the plan. For more information, contact Registrar and Transfer Co. 

## DIRECT DEPOSIT OF DIVIDENDS 

Registered shareholders of Flagstar Bancorp common stock can have their dividend payments deposited into their checking, savings or money market account at any financial institution in the United States that accepts electronic deposits. A brochure describing the service and an authorization form are available from the Registrar and Transfer Co. 

## EQUAL EMPLOYMENT OPPORTUNITY/EQUAL HOUSING LENDER 

Flagstar Bancorp does not discriminate against any person on the basis of race, color, religion, national origin, sex, age, handicap, height, weight, familial status, marital status, veteran disability or Vietnam veteran status with respect to recruiting, hiring, promoting, transferring, terminating and other terms and conditions of employment. We also are an equal housing lender. 

