Document:

EX-10.2

April 3, 2007

Ronald Nicolas

Fremont Investment & Loan

Dear Ronald,

Fremont Investment & Loan is pleased to offer you a revised Retention Bonus program. You previously
received and agreed to an offer for a “Retention Bonus”, in the amount of one year’s pay, payable
on March 20, 2008. We have decided to revise the payment plan for the bonus as follows: one quarter
of the bonus, three months’ pay, will be paid on to you on June 22, 2007; another quarter of the
bonus, three months’ pay, will be paid to you on September 14, 2007, and one half of the bonus, 6
months’ pay, will be paid to you on December 14, 2007. All of the other terms of the Retention
Bonus Plan remain the same. Specifically, the Retention Bonus is not earned and will not be paid if
you resign from Fremont prior to the time that the payment is made. Thus you will not earn the
first pro-rata payment if you resign prior to June 22, 2007; you will not earn the second pro-rata
payment if you resign prior to September 14, 2007, and you will not earn the final pro-rata payment
if you resign prior to December 14, 2007. However, if Fremont lays you off prior to completion of
the payments, Fremont will deem you to be successfully meeting your obligations under this
retention bonus agreement, and will pay you your bonus payments on the dates they are earned. Bonus
amounts are calculated on base salary and benefits are not included in the calculation. You will
continue on Fremont’s regular bi-weekly payroll and will participate in Fremont’s benefits as long
as you remain employed. This Retention Bonus is extra to your regular pay.

This Retention Bonus and payment plan is in lieu and instead of the one previously offered to
you, and it replaces and supersedes the one set forth in the letter of March 20, 2007. Your
signature on this letter acknowledges your acceptance of this Retention Bonus Plan instead of
the one previously offered to you.

You continue to hold a key position at Fremont, and we respect your loyalty despite the
difficulties our current situation presents. We hope you find this revised Retention Bonus Plan
to be more advantageous to you than the previous plan. I will be happy to answer any questions
you may have in this regard. Please acknowledge receipt of this offer by signing and returning
the copy to David Miller.

Yours truly,

Kyle Walker

President & Chief Executive
Officer Fremont Investment & Loan

Nicolas, Mr. Ronald J Jr. Dateexv4w1

 

Exhibit 4.1

TRUST AGREEMENT OF DEUTSCHE BANK CAPITAL FUNDING TRUST IX

          TRUST AGREEMENT of Deutsche Bank Capital Funding Trust IX, dated as of June 27, 2007, among
DEUTSCHE BANK CAPITAL FUNDING LLC IX, a Delaware limited liability company (the “Sponsor”), and THE
BANK OF NEW YORK, a New York banking corporation (the “Property Trustee”), and DEUTSCHE BANK TRUST
COMPANY DELAWARE, a Delaware banking corporation (the “Delaware Trustee”), as trustees (together
with such other trustees as the Sponsor may, from time to time, appoint hereunder, the “Trustees”).
The Sponsor and the Trustees hereby agree as follows:

          1. The trust created hereby (the “Trust”) shall be known as “Deutsche Bank Capital Funding
Trust IX,” in which name the Trustees, or the Sponsor to the extent provided herein, may engage in
the transactions contemplated hereby may conduct the business of the Trust, make and execute
contracts, and sue and be sued on behalf of the Trust.

          2. The Sponsor hereby assigns, transfers, conveys and sets over to the Property Trustee the
sum of $10. The Property Trustee hereby acknowledges receipt of such amount in trust from the
Sponsor, which amount shall constitute the initial trust estate. The Sponsor shall be the initial
beneficial owner of the Trust. The Property Trustee hereby declares that it will hold the trust
estate in trust for the Sponsor. It is the intention of the parties hereto that the Trust created
hereby constitute a statutory trust under Chapter 38 of Title 12 of the Delaware Code, 12 Del. Code
§ 3801 et seq. (the “Statutory Trust Act”), and that this document constitute the governing
instrument of the Trust. The Trustees are hereby authorized, empowered and directed to execute and
file a certificate of trust in the office of the Secretary of State of the State of Delaware in the
form attached hereto. The Trust is hereby established by the Sponsor and the Trustees for the
exclusive purpose of (i) issuing, offering and selling trust preferred securities (“Trust Preferred
Securities”) representing undivided beneficial interests in the assets of the Trust in exchange for
cash and investing the proceeds thereof in Class B preferred securities of the Sponsor, (ii)
issuing and selling common securities (“Common Securities” and, together with the Trust Preferred
Securities, “Trust Securities”) representing undivided beneficial interests in the assets of the
Trust in exchange for cash and investing the proceeds thereof in additional Class B preferred
securities of the Sponsor and (iii) engaging in such other activities as are necessary, convenient
or incidental thereto, including, without limitation, the activities contemplated in Section 5
hereof.

          3. Concurrent with the first issuance of any Trust Securities by the Trust, the Sponsor and
the Trustees intend to enter into an amended and restated trust agreement (the “Amended and
Restated Trust Agreement”), substantially in the form included as an exhibit to the 1933 Act
Registration Statement (as defined below), to provide for the contemplated operation of the Trust
created hereby and the issuance of the Trust Preferred Securities and the Common Securities
referred to therein. Prior to the execution and delivery of such Amended and Restated Trust
Agreement, the Trustees shall not have any duty or obligation hereunder or with respect to the
trust estate other than (i) the execution of the Certificate of Trust and (ii) the receipt and
holding in trust of $10 as the initial trust estate. The Sponsor, as agent for the Trust pursuant
to Section 3806(b)(7) of the Statutory Trust Act, and the Trustees shall take any and all

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action on behalf of the Trust prior to the execution and delivery of the Amended and Restated Trust
Agreement as may be necessary to obtain any licenses, consents or approvals as required by
applicable law or otherwise, and to take the actions contemplated by paragraph 5 hereof.

          4. The Delaware Trustee is appointed to serve as the trustee of the Trust in the State of
Delaware for the sole purpose of satisfying the requirement of Section 3807(a) of the Statutory
Trust Act that the Trust have at least one trustee with a principal place of business in the State
of Delaware. It is understood and agreed by the parties hereto that the Delaware Trustee shall
have none of the duties or liabilities of the other Trustees. The duties of the Delaware Trustee
shall be limited to (a) accepting legal process served on the Trust in the State of Delaware and
(b) the execution of any certificates required to be filed with the Delaware Secretary of State
which the Delaware Trustee is required to execute under Section 3811 of the Statutory Trust Act.
To the extent that, at law or in equity, the Delaware Trustee has duties (including fiduciary
duties) and liabilities relating thereto to the Trust, the beneficial owners thereof or any other
person, it is hereby understood and agreed by the other parties hereto that, to the fullest extent
permitted by applicable law, such duties and liabilities are replaced by the duties and liabilities
of the Delaware Trustee expressly set forth in this Agreement.

          5. The Trust hereby authorizes and directs the Sponsor, as the sponsor of the Trust, (i) to
prepare or cause the preparation of and to file with the U.S. Securities Exchange Commission a
prospectus supplement relating to the offering of the Trust Preferred Securities pursuant to a
registration statement on Form F-3 (No. 333-137902) (the “1933 Act Registration Statement”); (ii)
to prepare or cause the preparation of and to file with the New York Stock Exchange, Inc. or any
other national stock exchange or The Nasdaq National Market or any foreign stock exchange (each, an
“Exchange”) and execute on behalf of the Trust one or more listing applications and all other
applications, statements, certificates, agreements and other instruments as shall be necessary or
desirable to cause the Trust Preferred Securities to be listed on any of the Exchanges; (iii) to
prepare or cause the preparation of and to file and execute on behalf of the Trust such
applications, reports, surety bonds, irrevocable consents, appointments of attorney for service of
process and other papers and documents as shall be necessary or desirable to register the Trust
Preferred Securities under the securities or blue sky laws of such jurisdictions as the Sponsor, on
behalf of the Trust, may deem necessary or desirable; (iv) to execute and deliver on behalf of the
Trust any and all letters or documents to, or instruments for filing with, a depository relating to
the Trust Preferred Securities of the Trust; and (v) to negotiate and execute on behalf of the
Trust one or more underwriting agreements relating to the offer and sale of the Trust Preferred
Securities. In the event that any filing referred to in clauses (ii) or (iii) above is required by
the rules and regulations of the New York Stock Exchange Inc., or The Nasdaq National Market or
state securities or blue sky laws to be executed on behalf of the Trust by the Trustees, the
Trustees are hereby authorized and directed to join in any such filing and to execute on behalf of
the Trust any and all of the foregoing, it being understood that the Trustees shall not be required
to join in any such filing or execute on behalf of the Trust any such document unless required by
the rules and regulations of the New York Stock Exchange Inc., or The Nasdaq National Market or
state securities or blue sky laws.

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          6. The number of Trustees initially shall be two (2) and thereafter the number of Trustees
shall be such number as shall be fixed from time to time by a written instrument signed by the
Sponsor which may increase or decrease the number of Trustees; provided, however, that the number
of Trustees shall in no event be less than one (1); and provided, further, however, that to the
extent required by the Statutory Trust Act, one Trustee shall either be a natural person who is a
resident of the State of Delaware or, if not a natural person, an entity which has its principal
place of business in the State of Delaware and meets any other requirements imposed by applicable
law. Subject to the foregoing, the Sponsor is entitled to appoint or remove without cause any
Trustee at any time. Any Trustee may resign upon thirty (30) days prior notice to the Sponsor
provided that its office shall only terminate if there is at least one (1) remaining Trustee
satisfying the requirements of this Trust Agreement or if a successor trustee has been appointed.

          7. The recitals contained in this Trust Agreement shall be taken as statements of the Sponsor,
and the Trustees do not assume any responsibility for their correctness. The Trustees make no
representations as to the value or condition of the property of the Trust or any part thereof. The
Trustees make no representations as to the validity or sufficiency of this Trust Agreement.

          8. (a) The Trustees (the “Fiduciary Indemnified Persons”) shall not be liable, responsible
or accountable in damages or otherwise to the Trust, the Sponsor, any other Trustee or any holder
of the Trust Securities for any loss, damage or claim incurred by reason of any act or omission
performed or omitted by the Fiduciary Indemnified Persons in good faith on behalf of the Trust and
in a manner the Fiduciary Indemnified Persons reasonably believed to be within the scope of
authority conferred on the Fiduciary Indemnified Persons by this Trust Agreement or by law, except
that the Fiduciary Indemnified Persons shall be liable for any such loss, damage or claim incurred
by reason of the Fiduciary Indemnified Person’s gross negligence, bad faith or willful misconduct
with respect to such acts or omissions.

          (b) The Fiduciary Indemnified Persons shall be fully protected in relying in good faith upon
the records of the Trust and upon such information, opinions, reports or statements presented to
the Trust by any person as to matters the Fiduciary Indemnified Persons reasonably believe are
within such other person’s professional or expert competence and who has been selected with
reasonable care by or on behalf of the Trust, including information, opinions, reports or
statements as to the value and amount of the assets, liabilities, profits, losses, or any other
facts pertinent to the existence and amount of assets from which distributions to holders of Trust
Securities might properly be paid.

          9. The Sponsor agrees, to the fullest extent permitted by applicable law,

          (a) to indemnify and hold harmless each Fiduciary Indemnified Person, or any of its officers,
directors, shareholders, employees, representatives or agents, from and against any loss, damage,
liability, tax, penalty, expense or claim of any kind or nature whatsoever incurred by the
Fiduciary Indemnified Persons by reason of the creation, operation or termination of the Trust in a
manner the Fiduciary Indemnified Persons reasonably believed to be within the scope of authority
conferred on the Fiduciary Indemnified Persons by this Trust Agreement, except that

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no Fiduciary Indemnified Persons shall be entitled to be indemnified in respect of any loss, damage
or claim incurred by the Fiduciary Indemnified Persons by reason of gross negligence, bad faith or
willful misconduct with respect to such acts or omissions; and

          (b) to advance expenses (including reasonable legal fees and expenses) incurred by a Fiduciary
Indemnified Person in defending any claim, demand, action, suit or proceeding, from time to time,
prior to the final disposition of such claim, demand, action, suit or proceeding, upon receipt by
the Trust of an undertaking by or on behalf of such Fiduciary Indemnified Persons to repay such
amount if it shall be determined that such Fiduciary Indemnified Person is not entitled to be
indemnified as authorized in the preceding subsection. Promptly after receipt by a Fiduciary
Indemnified Person of notice of the commencement of any action, such Fiduciary Indemnified Person
will, if a claim in respect thereof is to be made against the Sponsor under this Section 9, notify
the Sponsor in writing of the commencement thereof, provided that failure to give such prompt
notice shall not impair the obligations of the Sponsor hereunder except to the extent that such
failure to provide notice materially prejudices the Sponsor. The Sponsor shall be entitled to
appoint counsel of the Sponsor’s choice at the Sponsor’s expense to represent the Fiduciary
Indemnified Persons in any action for which indemnification is sought; provided, however, that such
counsel shall be satisfactory to the Fiduciary Indemnified Persons. The Sponsor will not, without
the prior written consent of the Fiduciary Indemnified Persons, settle or compromise or consent to
the entry of any judgment with respect to any pending or threatened claim, action, suit or
proceeding in respect of which indemnification may be sought unless such settlement, compromise or
consent includes an unconditional release of each Fiduciary Indemnified Person from all liability
arising out of such claim, action, suit or proceeding.

          10. The provisions of Section 8 and Section 9 shall survive the termination of this Trust
Agreement or the earlier resignation or removal of the Fiduciary Indemnified Persons.

          11. The Trust may terminate without issuing any Trust Securities at the election of the
Sponsor and shall terminate if no Trust Securities shall have been issued within six months from
the date hereof.

          12. This Trust Agreement may be executed in one or more counterparts.

          13. This Trust Agreement and the rights of the parties hereunder shall be governed by and
interpreted in accordance with the laws of the State of Delaware and all rights and remedies shall
be governed by such laws without regard to the principles of conflict of laws.

[signature page follows]

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          IN WITNESS WHEREOF, the parties hereto have caused this Trust Agreement to be duly executed as
of the day and year first above written.

	 	 	 	 	 	 	 
	 	 	DEUTSCHE BANK CAPITAL FUNDING LLC IX, as Sponsor
	 
	 	 	 	 	 	 
	 

	 	BY:
	 	Deutsche Bank AG, as Member of the Sponsor	 	 
	 
	 	 	 	 	 	 
	 

	 	By:
	 	      /s/ Marco Zimmermann	 	 
	 

	 	 	 	 	 	 
	 

	 	 	 	Name: Marco Zimmermann	 	 
	 

	 	 	 	Title: Vice President	 	 
	 
	 	 	 	 	 	 
	 

	 	By:
	 	      /s/ Jonathan Blake	 	 
	 

	 	 	 	 	 	 
	 

	 	 	 	Name: Jonathan Blake	 	 
	 

	 	 	 	Title: Director	 	 
	 
	 	 	 	 	 	 
	 	 	THE BANK OF NEW YORK, as Property Trustee
	 
	 	 	 	 	 	 
	 

	 	By:
	 	      /s/ Lici Zhu	 	 
	 

	 	 	 	 	 	 
	 

	 	 	 	Name: Lici Zhu	 	 
	 

	 	 	 	Title: Assistant Treasurer	 	 
	 
	 	 	 	 	 	 
	 	 	DEUTSCHE BANK TRUST COMPANY DELAWARE,
	 	 	as Delaware Trustee
	 
	 	 	 	 	 	 
	 

	 	By:
	 	      /s/ David Dwyer	 	 
	 

	 	 	 	 	 	 
	 

	 	 	 	Name: David Dwyer	 	 
	 

	 	 	 	Title: Vice President	 	 
	 
	 	 	 	 	 	 
	 

	 	By:
	 	      /s/ Elizabeth B. Ferry	 	 
	 

	 	 	 	 	 	 
	 

	 	 	 	Name: Elizabeth B. Ferry	 	 
	 

	 	 	 	Title: Assistant Vice President	 	 

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