Message to Our Customers

Retail Banking Customers

We are pleased to announce that effective Friday, July 25, 2008, CapitalSource Inc.(NYSE:CSE) has assumed all the deposit liabilities of Fremont Investment & Loan ("FIL") through its wholly-owned subsidiary, CapitalSource Bank. There are no changes to your accounts as a result of this transaction. The former FIL branches are now branches of CapitalSource Bank. Please visit the CapitalSource Bank website at www.capitalsourcebank.com or call CapitalSource Bank at 1-888-433-4CSB

Loan Servicing Customers

Most of the loans previously serviced by Fremont are now being serviced by Litton Loan Servicing LP ("Litton") as of July 2007. You should have received a letter from Fremont and Litton if your loan is now being serviced by Litton. For information concerning loans that are being serviced by Fremont Investment & Loan click here. For additional contact information for loans now being serviced by Litton, click here.

Additional Contact Information

For Investor/Media Relations, REO Inquiries, Fremont General and Human Resources related contact information, click here.

Effective July 31, 2008, Fremont Investment & Loan changed its name to Fremont Reorganizing Corporation.