Common use of CALCULATION OF HOME EQUITY LOAN LOSS Clause in Contracts

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 SF-56 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s 's Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank XXXXXX COMMUNITY BANK Version 3.01 — Single family Family Shared-Loss Agreement Cocoa BeachBROOKSVILLE, FL FLORIDA December 8, 2010 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank XXXXXX COMMUNITY BANK Version 3.01 — Single family Family Shared-Loss Agreement Cocoa BeachBROOKSVILLE, FL FLORIDA December 8, 2010 SF-56 SF-63 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 2 Loan # 58776 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal XX-00 Xxxxxxx Xxxxxxx Xxxxx Bank Version 3.01 — Single family Shared3.3.1 – SINGLE FAMILY SHARED-LOSS AGREEMENT Belleview, Florida December 7, 2011 Total Cash Recovery 1500 28 Loss Agreement Cocoa Beach, FL December 8, 2010 Amount 54306 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal XX-00 Xxxxxxx Xxxxxxx Xxxxx Bank Version 3.01 — Single family Shared3.3.1 – SINGLE FAMILY SHARED-Loss Agreement Cocoa BeachLOSS AGREEMENT Belleview, FL Florida December 87, 2010 SF-56 2011 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 2 Loan # 58776 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 ChargeCharqe-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or 17 expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s 's Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Ml Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Module 1 -- Whole Bank w/Optional Shared Loss Agreements Version 3.2 -- SINGLE FAMILY SHARED-LOSS AGREEMENT July 15, 2011 SF-58 Sun Security Bank Ellington, Missouri Total Cash Recovery 1500 Module 1 — Whole Bank w/ Optional Shared 28 Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 1 Amount 54306 'Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 SF-56 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 SF-58 Total Cash Recovery 1500 Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 SF-56 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal Atlantic Southern Bank Version 3.01 — Single family Shared3.1.1 –SINGLE FAMILY SHARED-Loss Agreement Cocoa BeachLOSS AGREEMENT Macon, FL December 8Georgia May 20, 2010 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated 2011 SF-58 Total Cash Recovery 1500 28 Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 SF-56 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)54306

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 2 Loan # 58776 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — Whole Bank w/ Optional Shared 28 Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 1 Amount 54306 SF-58 ‘Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 SF-56 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal Community Central Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach– PURCHASE AND ASSUMPTION AGREEMENT Mount Clemens, FL MI December 8, 2010 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Total Cash Recovery 1500 28 Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 SF-56 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)54306

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 2 Loan # 58776 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal SF-58 Summit Bank Version 3.01 — Single family Shared-3.1.1 – PURCHASE AND ASSUMPTION AGREEMENT Burlington, Washington April 27, 2011 Total Cash Recovery 1500 28 Loss Agreement Cocoa Beach, FL December 8, 2010 Amount 54306 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal SF-59 Summit Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach3.1.1 – PURCHASE AND ASSUMPTION AGREEMENT Burlington, FL December 8Washington April 27, 2010 SF-56 2011 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 2 Loan # 58776 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or 17 expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 SF-56 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 2 Loan # 58776 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal Bank SF-56 Blue Ridge Savings Bank, Inc. Version 3.01 — 3.2 – Single family Family Shared-Loss Agreement Cocoa BeachAsheville, FL December 8North Carolina July 15, 2010 SF-56 2011 EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)

CALCULATION OF HOME EQUITY LOAN LOSS. Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month: 20090531 2 Loan # 58776 3 Interest paid-to-date 20081201 4 Charge-Off Date 20090531 5 Note Interest rate 0.03500 6 Occupancy Owner If owner occupied: 7 Household current annual income 0 8 Valuation Date 20090402 9 Valuation Amount 230000 10 Valuation Type (INT, EXTP, AVM, BPO, DA, DB, FA, PAU and TV) BPO 11 Balance of superior liens 300000 Charge-Off Loss calculation 12 Loan Principal balance 55000 13 Charge-off amount (principal only) 55000 Plus: 14 Accrued interest, limited to 90 days 481 15 Attorneys’ fees 0 16 Foreclosure costs, including title search, filing fees, advertising, etc. 250 17 Property protection costs, maint., repairs and any costs or 17 expenses relating to environmental conditions 0 18 Tax and insurance advances 0 Other Advances 19 Appraisal/Broker’s Price Opinion fees 75 20 Inspections 0 21 Other 0 Gross balance recoverable by Assuming Institution 55806 22 Foreclosure sale proceeds 0 23 Hazard Insurance proceeds 0 31 MI Claim Date 19000100 32 MI Claim Amount 0 33 MI Response Date 19000100 24 Mortgage Insurance proceeds 0 25 Tax overage 0 26 First lien payoff 1500 27 Other credits, if any (itemize) 0 Total Cash Recovery 1500 Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared3.01– SINGLE FAMILY SHARED-LOSS AGREEMENT April 29, 0000 XX-00 Xxxxx Xxxxxx Xxxxxxxxx Xxxx Xxxxxx, XX Total Cash Recovery 1500 28 Loss Agreement Cocoa Beach, FL December 8, 2010 Amount 54306 1 Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 — – Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared3.01– SINGLE FAMILY SHARED-Loss Agreement Cocoa BeachLOSS AGREEMENT April 29, FL December 80000 XX-00 Xxxxx Xxxxxx Xxxxxxxxx Xxxx Xxxxxx, 2010 SF-56 XX EXHIBIT 2d(2) CALCULATION OF RECOVERY WHEN A RESTRUCTURING LOSS HAS BEEN PAID Note: This is an example only and not representative of any transaction. Shared-Loss Month: [input month] Loan No.: [input loan no.)