Document:

exv10w1

Exhibit 10.1

CAPITAL MAINTENANCE AND LIQUIDITY AGREEMENT

     THIS CAPITAL MAINTENANCE AND LIQUIDITY AGREEMENT (Agreement) dated as of July 25, 2008, has
been entered into by and among the FEDERAL DEPOSIT INSURANCE CORPORATION, a Federal banking agency
existing under the laws of the United States having its principal office in Washington, D.C. (the
FDIC), CAPITALSOURCE INC., a corporation duly organized and existing under the laws of the State of
Delaware (the Parent Company), CAPITALSOURCE TRS INC., a corporation duly organized and existing
under the laws of the State of Delaware (Second Tier Holding Company), CAPITALSOURCE FINANCE LLC a
limited liability company duly organized and existing under the laws of the State of Delaware
(CapitalSource Finance), and CAPITALSOURCE BANK (In-Organization), Pasadena, California (the
Applicant).

WITNESSETH:

     WHEREAS, the Board of Directors of the FDIC is charged by Section 5 of the Federal Deposit
Insurance Act (the Act) (12 U.S.C. § 1815) with the responsibility of acting upon applications for
Federal deposit insurance for all depository institutions including, but not limited to, state
nonmember banks and by Section 18(c) of the Act (12 U.S.C. § 1828(c)) with the responsibility of
acting upon each merger application in which a state nonmember bank is the resulting institution.

     WHEREAS, the Applicant is a proposed state nonmember industrial bank being formed as a
wholly-owned subsidiary of CapitalSource Finance, which is a wholly-owned subsidiary of the Second
Tier Holding Company. The Second Tier Holding Company is a wholly-owned subsidiary of the Parent
Company.

     WHEREAS, the FDIC is required to consider, among other things, the seven factors described in
Section 6 of the Act (12 U.S.C. § 1816) (the Statutory Factors) and will generally grant an
application for Federal deposit insurance if it finds favorably upon each factor. As a part of the
approval process, the FDIC also considers the financial resources of a parent holding company in
evaluating the adequacy of an applicant’s capital.

     WHEREAS, the FDIC is required to consider, among other things, the factors described in
Section 18(c)(5) of the Act (12 U.S.C. § 1828(c)(5)) (the Merger Factors) and will generally
approve a merger if it finds favorably upon each factor. As a part of the approval process, the
FDIC may also consider the financial resources of a parent holding company in evaluating the
adequacy of an applicant’s capital.

     WHEREAS, the Applicant, CapitalSource Finance, the Second Tier Holding Company, and the Parent
Company have expressed their willingness to submit to such conditions as the FDIC may determine are
necessary to make a favorable finding on the Statutory Factors and the Merger Factors.

     WHEREAS,
the FDIC is unable to make a favorable finding on the Statutory Factors and the
Merger Factors if the Parent Company, the Second Tier Holding Company, CapitalSource Finance, and
the Applicant do not enter into this Agreement.

     NOW, THEREFORE, in consideration of the terms and conditions contained herein, the receipt and
sufficiency of which are hereby acknowledged, the FDIC, the Parent Company, the Second Tier Holding
Company, CapitalSource Finance, and the Applicant agree as follows:

 

 

	 	1.	 	Approval by FDIC. Upon approval of the Application by the FDIC, this
Agreement shall become fully effective and binding upon the parties hereto.
	 
	 	2.	 	Capital. The Parent Company, the Second Tier Holding Company, and
CapitalSource Finance shall maintain the capital levels of the Applicant at all times
to meet or exceed the levels required for the Applicant to be considered “well
capitalized” under section 325.103(b) of the FDIC Rules and Regulations (12 CFR §
325.103(b)) or any successor laws or regulations. In addition, Applicant’s Total
Risk-Based Capital Ratio as defined in section 325.2(y) of the FDIC Rules and
Regulations or in any successor laws or regulations will be maintained at not less than
fifteen (15) percent and the Applicant will maintain an adequate allowance for loan and
lease losses. (The capital requirements contained in this paragraph will be referred to
as the Minimum Capital Ratios.)

	 	(A)	 	Maintenance of Required Minimum Capital Ratios. If, at
any time, the Applicant’s capital ratios fall below the Minimum Capital Ratios,
the Parent Company, Second Tier Holding Company, and CapitalSource Finance will
immediately contribute sufficient additional capital to the Applicant or take
such other action to enable it to meet the Minimum Capital Ratios.
	 
	 	(B)	 	Maintenance of Revised Capital Ratios. If the FDIC
considers it necessary, pursuant to its regulatory authority, for the Applicant
to maintain capital ratios that are greater than the Minimum Capital Ratios
(the Revised Capital Ratios), it will provide written notification of its
determination to the Applicant, CapitalSource Finance, Second Tier Holding
Company, and Parent Company. Within 30 days after the FDIC issues the
notification to the Applicant, CapitalSource Finance, Second Tier Holding
Company, and Parent Company, if Applicant has not met the Revised Capital
Ratios, the Parent Company, Second Tier Holding Company, and CapitalSource
Finance will immediately contribute sufficient additional capital to the
Applicant to enable it to meet the Revised Capital Ratios specified by the
FDIC.
	 
	 	(C)	 	Capital Contributions. All capital contributions to the
Applicant by the Parent Company, Second Tier Holding Company, or CapitalSource
Finance will be in the form of cash, or if appropriate and approved by the
FDIC, other assets acceptable to the FDIC. Any and all such capital
contributions will be credited to the Applicant’s surplus account.

	 	3.	 	Liquidity. The Parent Company, the Second Tier Holding Company, and
CapitalSource Finance will maintain the Bank’s liquidity at such levels that the FDIC
deems appropriate. In particular, the Parent Company, the Second Tier Holding Company,
and CapitalSource Finance will provide the Applicant with financial assistance, as
specified below, to permit the Applicant to meet its short- and long-term liquidity
demands.

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	 	(A)	 	Short-Term Liquidity.

	 	i.	 	The Parent Company and CapitalSource Finance
will enter into a Revolving Line of Credit Agreement with Applicant to
provide $150,000,000 in unsecured financing to Applicant. Parent
Company, CapitalSource Finance, and Applicant will execute and submit
the $150,000,000 unsecured Revolving Line of Credit to the FDIC prior
to the Applicant’s effective date of Federal deposit insurance.
	 
	 	ii.	 	The Applicant may draw on the $150,000,000
unsecured Revolving Line of Credit provided by the Parent Company and
CapitalSource Finance at any time the Applicant or FDIC considers it
necessary.
	 
	 	iii.	 	Any and all agreements related to the
$150,000,000 unsecured Revolving Line of Credit Agreement will only be
made with the prior written approval of the FDIC and upon such terms
and conditions as the FDIC, in its sole discretion, finds acceptable.
	 
	 	iv.	 	The $150,000,000 unsecured Revolving Line of
Credit Agreement is subject to the restrictions of Section 23B of the
Federal Reserve Act and must be on terms and under circumstance,
including credit standards, that are substantially the same, or at
least as favorable to the Applicant, as those prevailing at the time
for comparable transactions with or involving other nonaffiliated
companies.

	 	(B)	 	Long-Term Liquidity. If the Applicant identifies
liquidity requirements that it cannot satisfy, then at the written request of
the Applicant or the FDIC, the Parent Company, directly or through
CapitalSource Finance, within 10 days of receiving the request, will provide
the Applicant with financial support, including cash, in such amount and for
such duration as may be necessary for the Applicant to meet its ongoing
liquidity obligations.

	 	4.	 	Authority of Parent Company, Second Tier Holding Company, CapitalSource
Finance, and Applicant. The Boards of Directors of the Parent Company, the
Second Tier Holding Company, and the Applicant, and the managing member(s) of
CapitalSource Finance, have each approved a resolution (the Resolution) authorizing the
Parent Company, the Second Tier Holding Company, CapitalSource Finance, and the
Applicant, respectively, to enter into this Agreement. A certified copy of the
Resolution for each party is attached hereto as Exhibit A and incorporated herein by
reference.
	 
	 	5.	 	Miscellaneous.

	 	(A)	 	Legally Binding, Enforceable Agreement. The parties
agree that this Agreement is binding and enforceable by the FDIC pursuant to
Section 8 of the FDI Act (12 U.S.C. § 1818) against the Applicant, the Second
Tier Holding Company, CapitalSource Finance, and the Parent Company, their
successors and assignees.

3

 

	 	(B)	 	Capital Maintenance Commitment. The parties agree that
the obligations of the Parent Company, the Second Tier Holding Company, and
CapitalSource Finance that are contained in this Agreement are commitments to
maintain the capital of the Applicant and, if a petition of bankruptcy is filed
by or against the Parent Company, the Second Tier Holding Company, or
CapitalSource Finance, the obligations of the Parent Company, the Second Tier
Holding Company, or CapitalSource Finance contained in this Agreement will be
paid as an administrative expense of the debtor pursuant to section 507(a)(1)
of the Bankruptcy Code (11 U.S.C. § 507(a)(1)).
	 
	 	(C)	 	Conservatorship or Receivership of the Applicant. In
the event of an appointment of a conservator or receiver for the Applicant, the
obligations of the Applicant, the Second Tier Holding Company, CapitalSource
Finance, and Parent Company hereunder with respect to the Agreement shall
survive said appointment and be enforceable by FDIC.
	 
	 	(D)	 	Governing Laws. This Agreement and the rights and
obligations hereunder shall be governed by and shall be construed in accordance
with the Federal law of the United States, and, in the absence of controlling
Federal law, in accordance with the laws of the State of Delaware.
	 
	 	(E)	 	No Waiver. No failure or delay on the part of the
Applicant or the FDIC in the exercise of any right or remedy shall operate as a
waiver or termination thereof, nor shall any partial exercise of any right or
remedy preclude other or further exercise of any other right or remedy.
	 
	 	(F)	 	Fees and Expenses. The Parent Company, Second Tier
Holding Company, and CapitalSource Finance shall pay any attorneys’ fees and
other reasonable expenses incurred by the Applicant in exercising its rights or
seeking any remedies hereunder.
	 
	 	(G)	 	Severability. In the event any one or more of the
provisions contained herein should be held invalid, illegal or unenforceable in
any respect, the validity, legality and enforceability of the remaining
provisions contained herein shall not in any way be affected or impaired
thereby. The parties shall endeavor in good faith to replace the invalid,
illegal or unenforceable provisions with valid provisions the economic effect
of which comes as close as possible to that of the invalid, illegal or
unenforceable provisions.
	 
	 	(H)	 	No Oral Change. This Agreement may not be modified,
amended, changed, discharged or terminated orally, but may be done so only with
the written consent of the FDIC.
	 
	 	(I)	 	Enforcement by Applicant. The Applicant may, in its
discretion, enforce this Agreement against the Parent Company, the Second Tier
Holding Company, and CapitalSource Finance.

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	 	(J)	 	Modification. This Agreement reflects the complete and
full agreement of the parties and may not be modified, released, renewed or
extended in any manner except by a writing signed by all the parties.
	 
	 	(K)	 	Addresses for and Receipt of Notice. Any notice
hereunder shall be in writing and shall be delivered by hand or sent by United
States express mail or commercial express mail, postage prepaid, and addressed
as follows:

If to the Parent Company:

CapitalSource Inc.

Attention: Treasurer

4445 Willard Avenue, 12th Floor

Chevy Chase, MD 20815

If to the Second Tier Holding Company:

CapitalSource TRS Inc.

Attention: Treasurer

4445 Willard Avenue, 12th Floor

Chevy Chase, MD 20815

If to CapitalSource Finance:

CapitalSource Finance LLC

Attention: Treasurer

4445 Willard Avenue, 12th Floor

Chevy Chase, MD 20815

If to the Applicant:

CapitalSource Bank Attention: President

300 North Lake Avenue, Suite 150

Pasadena, CA 91106

with a copy to:

CapitalSource Bank

Attention: General Counsel

4445 Willard Avenue, 12th Floor

Chevy Chase, MD 20815

If to the FDIC:

Associate Director, Supervision and Applications Branch 
Federal Deposit
Insurance Corporation

550 17th Street, NW

Washington, D.C. 20429

5

 

	 	(L)	 	Complete Agreement. The parties agree that this
Agreement is the complete and exclusive statement of the agreement between the
parties, and supersedes all prior written or oral communications,
representations and agreements relating to the subject matter of this
Agreement.

	 	(M)	 	No Assignment. This agreement may not be assigned or
transferred, in whole or in part, without the prior written consent of the
FDIC.
	 
	 	(N)	 	Joint and Several Liability. The obligations,
liabilities, agreements and commitments of the Parent Company, the Second Tier
Holding Company, and CapitalSource Finance in paragraphs 2 and 3 above are
joint and several, and the FDIC may pursue any right or remedy that it may have
against one or more of them without releasing or discharging any other party.

     IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the day and
year indicated above.

	 	 	 	 	 
	FEDERAL DEPOSIT INSURANCE CORPORATION	 	 
	 
	 	 	 	 
	By:
	 	 	 	 
	 

	 	 

	 	 
	Title:

	 	 

	 	 
	 
	 	 

	 	 
	 
	CAPITALSOURCE INC.	 	 
	 
	 	 	 	 
	By:

	 	/s/ JOHN K. DELANEY	 	 
	 

	 	 

	 	 
	Title:

	 	     JOHN K. DELANEY	 	 

6

 

	 	 	 	 	 
	CAPITALSOURCE TRS INC.	 	 
	 
	 	 	 	 
	By: 

Title:

	 	/s/ JOHN K. DELANEY
 

     JOHN K. DELANEY
	 	 
	 
	 	 	 	 
	CAPITALSOURCE FINANCE LLC	 	 
	 
	 	 	 	 
	By:

	 	/s/ JOHN K. DELANEY	 	 
	Title:

	 	 

     JOHN K. DELANEY
	 	 
	 
	 	 	 	 
	CAPITALSOURCE BANK (in-organization)	 	 
	 
	 	 	 	 
	 

	 	/s/ STEVEN A. MUSELES	 	 
	 	 	 
	Name:

	 	       STEVEN A. MUSELES	 	 
	 

	 	EXECUTIVE VICE PRESIDENT	 	 

7exv10w2

Exhibit 10.2

PARENT COMPANY AGREEMENT

     THIS PARENT COMPANY AGREEMENT (Agreement), dated as of July 25, 2008, by and among the FEDERAL
DEPOSIT INSURANCE CORPORATION, a Federal banking agency existing under the laws of the United
States having its principal office in Washington, D.C. (FDIC), CAPITALSOURCE INC., a corporation
duly organized and existing under the laws of the State of Delaware (CSI), CAPITALSOURCE TRS INC.,
a direct subsidiary of CSI and a corporation duly organized and existing under the laws of the
State of Delaware (CSI TRS), CAPITALSOURCE FINANCE LLC, a direct subsidiary of CSI TRS and a
limited liability company duly organized and existing under the laws of the State of Delaware (CSI
Finance) (CSI, CSI TRS, and CSI Finance collectively, the Parent Companies), and CAPITALSOURCE
BANK, a direct subsidiary of CSI Finance and a proposed industrial bank chartered by the State of
California and located in Pasadena, California (Bank).

WITNESSETH:

WHEREAS,

1. The
FDIC is charged by Section 5 of the Federal Deposit Insurance Act (the Act) (12 U.S.C. § 1815) with the responsibility of acting upon applications for Federal deposit insurance for all
depository institutions including, but not limited to, state nonmember banks and by Section 18(c)
of the Act (12 U.S.C. § 1828(c)) with the responsibility of acting upon each merger application in
which a state nonmember bank is the resulting institution;

2. The Bank submitted an application for Federal deposit insurance (the Deposit Insurance
Application) to the FDIC in accordance with Section 5 of the Act on April 29, 2008;

3. The Bank submitted a merger application (the Merger Application) to the FDIC in accordance with
Section 18(c) of the Act on April 29, 2008;

4. Each Parent Company and the Bank desire that the FDIC approve the pending Deposit Insurance
Application and the pending Merger Application (the Applications);

5. Each Parent Company and the Bank have expressed their willingness to enter into this Agreement
and to submit to such conditions as the FDIC may deem necessary to approve the Applications; and

6. To better evaluate and control the potential risks to the Bank and to the Deposit Insurance
Fund, the FDIC deems this Agreement necessary and may not make a favorable finding on the
applications if each Parent Company and the Bank do not enter into this Agreement.

 

 

     I. In consideration of the premises and agreements contained herein, the receipt and
sufficiency of which are hereby acknowledged, the FDIC, each Parent Company, and the Bank agree as
follows:

	 	A.	 	If each Parent Company makes the commitments contained in this Agreement, the
FDIC will act on the Applications;
	 
	 	B.	 	That Parent Company shall submit to the FDIC an initial listing of all of its
subsidiaries and update the list annually;
	 
	 	C.	 	That Parent Company will maintain the Bank’s capital at such levels as the
FDIC deems appropriate as reflected in the terms of a Capital Maintenance and
Liquidity Agreement (CMLA) entered into by the FDIC, each Parent Company, and the
Bank, and such other parties as the FDIC deems appropriate.
	 
	 	D.	 	That Parent Company consents to examination by the FDIC of Parent Company and
each of its subsidiaries to monitor compliance with the provisions of this Agreement,
the Order approving the Bank’s deposit insurance and merger applications (Order), the
CMLA, the Act or any other federal law that the FDIC has specific jurisdiction to
enforce against such company or subsidiary and those governing transactions and
relationships between any depository institution subsidiary and its affiliates;
	 
	 	E.	 	That on and after the effective date of deposit insurance, Parent Company
shall engage, directly or indirectly, only in financial activities; provided however,
that if on the effective date of deposit insurance Parent Company has investments in
companies that engage in activities other than financial activities, Parent Company
shall divest its investments in such companies that represent more than 5 percent of
the outstanding voting shares of such companies (non-conforming investments) within
one year after the effective date of deposit insurance; provided further that Parent
Company shall divest the aggregate amount of the book value of the non-conforming
investments according to the following schedule: 50 percent within six months after
the effective date of deposit insurance, 75 percent within nine months after the
effective date of deposit insurance, and 100 percent within one year after the
effective date of deposit insurance. For purposes of this agreement, the term
“financial activity” means (1) banking, managing, or controlling banks or savings
associations; (2) any activity permissible for financial holding companies under 12
U.S.C. 1843(k), any specific activity that is listed as permissible for bank holding
companies under 12 U.S.C. 1843(c) and activities that the Federal Reserve Board has
permitted for bank holding companies under 12 C.F.R. 225.28 and 225.86, and (3) any
activity permissible for all savings and loan holding companies under 12 U.S.C.
1467a(c));

2

 

	 	F.	 	That Parent Company shall submit to the FDIC an annual report regarding its
operations and activities, in the form and manner prescribed by the FDIC, and such
other reports as may be requested by the FDIC to keep the FDIC informed as to
financial condition, systems for monitoring and controlling financial and operating
risks, and transactions with the Bank; and compliance by Parent Company or its
subsidiaries with applicable provisions of this Agreement, the Order, the CMLA, the
Act or any other Federal law that the FDIC has specific jurisdiction to enforce
against such company or subsidiary;
	 
	 	G.	 	That Parent Company shall maintain such records as the FDIC may deem
necessary to assess the risks to the Bank or to the Deposit Insurance Fund;
	 
	 	H.	 	That Parent Companies shall cause an independent annual audit of the Bank to
be performed during the first three years after the effective date of deposit
insurance, and the Bank shall submit to the appropriate FDIC Regional Director, (i) a
copy of the audited annual financial statements and the independent public auditor’s
report thereon within 90 days after the end of the depository institution’s fiscal
year, (ii) a copy of any other reports by the independent auditor (including any
management letters) within 15 days after their receipt by the institution, and (iii)
written notification within 15 days when a change in the institution’s independent
auditor occurs;
	 
	 	I.	 	That CapitalSource, Inc. will limit its representation, direct and indirect,
on the Board of Directors of the Bank to no more than 25% of the members of such Board
of Directors, in the aggregate; and
	 
	 	J.	 	Neither the Parent Company nor any of its subsidiaries shall, directly or
indirectly, enter into any transactions with Farallon Capital Management, LLC , Janus
Capital Management, LLC, or Madison Dearborn Partners, LLC (each an Investor), any
Investor-subsidiary of any Investor, or any officer or director of any Investor or any
Investor-subsidiary thereof, except (i) that each Investor and its
Investor-subsidiaries may establish and maintain deposit accounts with the Bank,
provided the aggregate amount of such accounts is less than or equal to the greater of
5% of the Bank’s total deposits or $500,000, and provided further that such accounts
are on substantially the same terms as those prevailing for comparable accounts of
persons unaffiliated with the Bank; (ii) that each Investor and the
Investor-subsidiaries, may acquire, directly or indirectly, additional capital stock
of the Parent Company as long as the combined interests of such Investor and its
officers, directors, Investor-affiliates, and any persons acting in concert with the
Investor or one or more Investor-subsidiaries, are less than 25 percent of any class
of voting shares of the Parent Company or any of its subsidiaries; (iii) that the
Parent Company may register an Investor’s or any Investor-subsidiary’s sale of Parent
Company’s shares with the Securities and Exchange Commission; and (iv) that Investor
and any Investor-subsidiary may perform or conduct any transactions specified in an
agreement entered into with the Parent Company or any of its subsidiaries, on or
before April

3

 

	 	 	 	28, 2008, so long as such agreement is not amended, extended, or renewed after
April 28, 2008.

	II.	 	Miscellaneous Provisions.

     Definitions.

	 	A.	 	The term “Board of Directors” means: (i) for a corporation, the board of
directors; (ii) for a limited liability company, the board of managers or the managing
member(s), as appropriate; and (iii) for a partnership, the general partner(s).
	 
	 	B.	 	The term “subsidiary” means any company that is directly or indirectly
controlled by another company.
	 
	 	C.	 	The term “Investor-subsidiary” means any company that is identified as such
by an Investor.
	 
	 	D.	 	The term “Investor-affiliate” means any company that controls, or is under
common control with Investor, or an Investor-subsidiary.
	 
	 	E.	 	The term “control” has the meaning given it in 12 U.S.C. 1817(j)(8) and
includes the presumption of control at 12 C.F.R. 

§ 303.82(b)(2).
	 
	 	F.	 	Terms used in this Agreement that are not otherwise defined herein have the
meanings given them in Section 3 of the FDI Act, 12 U.S.C. § 1813.
	 
	 	 	 	Enforceability as a Written Agreement. In addition to any other
remedies provided by law, this Agreement is binding and enforceable by the
FDIC as a written agreement pursuant to Section 8 of the FDI Act (12 U.S.C.
§ 1818).
	 
	 	 	 	Authority of Parent Company and Bank. The Board of Directors of each
Parent Company and the Bank each have approved a resolution (Resolution)
authorizing Parent Company and the Bank to enter into this Agreement. A
certified copy of each Resolution for each party is attached hereto as
Exhibit A and incorporated herein by reference.
	 
	 	 	 	Governing Laws. This Agreement and the rights and obligations
hereunder shall be governed by and shall be construed in accordance with the
Federal law of the United States, and, in the absence of controlling Federal
law, in accordance with the laws of the State of Delaware.
	 
	 	 	 	No Waiver. No failure to exercise, and no delay in the exercise of,
any right or remedy on the part of any of the parties to this Agreement
shall operate as a waiver or termination of the Agreement. Further, any

4

 

	 	 	 	exercise or partial exercise of any right or remedy relating to this
Agreement will not preclude further exercise of such right or remedy or any
other right or remedy.
	 
	 	 	 	No Oral Change. This Agreement may not be modified, amended,
changed, discharged, terminated, released, renewed or extended in any manner
except by a writing signed by all of the parties.

     Addresses. Any correspondence or submission required by the Agreement shall be
provided in writing and shall be delivered by hand or sent by United States express mail or
commercial express mail, postage prepaid, and addressed as follows:

If to CSI:

CapitalSource Inc.

Attention: Chief Financial Officer

4445 Willard Avenue, 12th Floor

Chevy Chase, MD 20815

If to CSI TRS:

CapitalSource TRS Inc.

Attention: Treasurer

4445 Willard Avenue, 12th Floor

Chevy Chase, MD 20815

If to CSI Finance:

CapitalSource Finance LLC

Attention: Treasurer

4445 Willard Avenue, 12th Floor

Chevy Chase, MD 20815

If to the Bank:

CapitalSource Bank

Attention: President

300 North Lake Avenue, Suite 150

Pasadena, CA 91106

If to the FDIC:

Associate Director, Division of Supervision and Consumer Protection

Supervision and Applications Branch

Federal Deposit Insurance Corporation

550 17th Street, NW

Washington, D.C. 20429

5

 

     No Assignment. This agreement may not be assigned or transferred, in whole or in part,
without the prior written consent of the FDIC.

     Joint and Several Liability. The obligations, liabilities, agreements and commitments
of the Parent Companies set forth in paragraphs I.A. through I.J. are joint and several, and the
FDIC may pursue any right or remedy that it may have against one or more of the Parent Companies
without releasing or discharging any other party.

     Complete Agreement. The parties agree that this Agreement is the complete and
exclusive statement of the agreement between the parties concerning the commitments set forth in
paragraphs I.A. through I.J. of the Agreement, and supersedes all prior written or oral
communications, representations and agreements relating to the subject matter of these paragraphs.

     IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the day and
year indicated above.

FEDERAL DEPOSIT INSURANCE CORPORATION

	 	 	 	 	 
	By:
	 	 

	 	 
	 
	Title:

	 	 

	 	 
	 

	 	 	 	 
	 
	 	 	 	 
	CAPITALSOURCE INC.	 	 
	 
	 	 	 	 
	By:

	 	/s/ JOHN K. DELANEY	 	 
	 

	 	 	 	 
	Title:

	 	     JOHN K. DELANEY	 	 
	 
	 	 	 	 
	CAPITALSOURCE TRS INC.	 	 
	 
	 	 	 	 
	By:

	 	/s/ JOHN K. DELANEY	 	 
	 

	 	 	 	 
	Title:

	 	     JOHN K. DELANEY	 	 
	 
	 	 	 	 
	CAPITALSOURCE FINANCE LLC	 	 
	 
	 	 	 	 
	By:

	 	/s/ STEVEN A. MUSELES	 	 
	 

	 	 	 	 
	Name:

	 	     STEVEN A. MUSELES	 	 
	Title:

	 	     EXECUTIVE VICE PRESIDENT	 	 
	 
	 	 	 	 

6

 

	 	 	 	 	 
	CAPITALSOURCE BANK (in-organization)	 	 
	By:
	 	 	 	 
	 

	 	 	 	 
	Name:
	 	 	 	 
	 

	 	 	 	 
	Title:
	 	 	 	 
	 

	 	 	 	 

7

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