November 8, 2001 Morgan Stanley & Co. Incorporated Merrill Lynch, Pierce, Fenner & Smith Incorporated UBS Warburg LLC c/o Morgan Stanley & Co. Incorporated 1585 Broadway New York, New York 10036 Dear Sirs and Mesdames: IndyMac Bancorp, Inc., a...Unit Agreement • November 9th, 2001 • Indymac Bancorp Inc • Savings institution, federally chartered • New York
