Common use of Exhibit 2b Clause in Contracts

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. Exhibit 2b CALCULATION OF RESTRUCTURING LOSS 1 Shared-Loss Month May-09 2 Loan no: 123456 Loan before Restructuring 3 Original loan amount 500,000 4 Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 % 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - P&I 3,333 9 Monthly payment - T&I 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 Terms of Modified/Restructured Loan 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 % 17 Monthly payment - P&I 1,346 18 Monthly payment - T&I 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid 00 Xxxx xxxx (0xx, 0xx) 0xx If adjustable: 22 Initial interest rate 3.500 % 23 Term - initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 % 31 Cap per adjustment 2.000 % 32 Lifetime Cap 9.500 % 33 Floor 2.750 % 34 Front end DTI 31 % 35 Back end DTI 45 % Restructuring Loss Calculation 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — 40 Total loan balance due before restructuring 461,438 Assumptions for NPV Calculation, Restructured Loan: 41 Discount rate for projected cash flows 5.530 % 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438 Notes to Exhibit 2b (restructuring)

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. Exhibit 2b CALCULATION OF RESTRUCTURING LOSS 1 Shared-Loss Month May-09 2 Loan no: 123456 Loan before Restructuring 3 Original loan amount 500,000 4 Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 % 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - P&I 3,333 9 Monthly payment - T&I 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 Terms of Modified/Restructured Loan 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 % 17 Monthly payment - P&I 1,346 18 Monthly payment - T&I 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid 00 Xxxx xxxx (0xx, 0xx) 0xx If adjustable: 22 Initial interest rate 3.500 % 23 Term - initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 % 31 Cap per adjustment 2.000 % 32 Lifetime Cap 9.500 % 33 Floor 2.750 % 34 Front end DTI 31 % 35 Back end DTI 45 % Restructuring Loss Calculation 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — 40 Total loan balance due before restructuring 461,438 Assumptions for NPV Calculation, Restructured Loan: 41 Discount rate for projected cash flows 5.530 % 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438 Notes to Exhibit 2b (restructuring)

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. Exhibit 2b CALCULATION OF RESTRUCTURING LOSS 1 Shared-Loss Month May-09 2 Loan no: 123456 Loan before Restructuring 3 Original loan amount 500,000 4 Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 % 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - — P&I 3,333 9 Monthly payment - — T&I 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 Terms of Modified/Restructured Loan 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 % 17 Monthly payment - — P&I 1,346 18 Monthly payment - — T&I 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid 00 Xxxx xxxx (0xx, 0xx) 0xx If adjustable: 22 Initial interest rate 3.500 % 23 Term - — initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 % 31 Cap per adjustment 2.000 % 32 Lifetime Cap 9.500 % 33 Floor 2.750 % 34 Front end DTI 31 % 35 Back end DTI 45 % Restructuring Loss Calculation 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — 40 Total loan balance due before restructuring 461,438 Assumptions for NPV Calculation, Restructured Loan: 41 Discount rate for projected cash flows 5.530 % 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438 Notes to Exhibit 2b (restructuring)

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. Exhibit 2b CALCULATION OF RESTRUCTURING LOSS 1 Shared-Loss Month May-09 2 Loan no: 123456 Loan before Restructuring 3 Original loan amount 500,000 4 Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 % 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - P&I 3,333 9 Monthly payment - T&I 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 Terms of Modified/Restructured Loan 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 % 17 Monthly payment - P&I 1,346 18 Monthly payment - T&I 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid 00 Xxxx xxxx (0xx, 0xx) 0xx If adjustable: 22 Initial interest rate 3.500 % 23 Term - initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 % 31 Cap per adjustment 2.000 % 32 Lifetime Cap 9.500 % 33 Floor 2.750 % 34 Front end DTI 31 % 35 Back end DTI 45 % Restructuring Loss Calculation 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — - 40 Total loan balance due before restructuring 461,438 Assumptions for NPV Calculation, Restructured Loan: 41 Discount rate for projected cash flows 5.530 % 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438 Notes to Exhibit 2b (restructuring)58,438

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. Exhibit 2b CALCULATION OF RESTRUCTURING LOSS 1 Shared-Loss Month May-09 2 Loan no: 123456 Loan before Restructuring 3 Original loan amount 500,000 4 Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 % 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - P&I 3,333 9 Monthly payment - T&I 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 Terms of Modified/Restructured Loan 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 % 17 Monthly payment - P&I 1,346 18 Monthly payment - T&I 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid 00 Xxxx xxxx (0xx, 0xx) 0xx If adjustable: 22 Initial interest rate 3.500 % 23 Term - initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 % 87 31 Cap per adjustment 2.000 % 32 Lifetime Cap 9.500 % 33 Floor 2.750 % 34 Front end DTI 31 % 35 Back end DTI 45 % Restructuring Loss Calculation 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — 40 Total loan balance due before restructuring 461,438 Assumptions for NPV Calculation, Restructured Loan: 41 Discount rate for projected cash flows 5.530 % 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438 Notes to Exhibit 2b (restructuring)

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. Exhibit 2b CALCULATION OF RESTRUCTURING LOSS 1 Shared-Loss Month May-09 2 Loan no: 123456 Loan before Restructuring 3 Original loan amount 500,000 4 Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 7.500% 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - P&I 3,333 9 Monthly payment - T&I 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 Terms of Modified/Restructured Loan 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 3.500% 17 Monthly payment - P&I 1,346 18 Monthly payment - T&I 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid 00 Xxxx xxxx (0xx, 0xx) 0xx If adjustable: 22 Initial interest rate 3.500 3.500% 23 Term - initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 2.750% 31 Cap per adjustment 2.000 2.000% 32 Lifetime Cap 9.500 9.500% 33 Floor 2.750 2.750% 34 Front end DTI 31 31% 35 Back end DTI 45 45% Restructuring Loss Calculation 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — 40 Total loan balance due before restructuring 461,438 Assumptions for NPV Calculation, Restructured Loan: 41 Discount rate for projected cash flows 5.530 5.530% 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438 Notes to Exhibit 2b (restructuring)

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. Exhibit 2b CALCULATION OF RESTRUCTURING LOSS 1 Shared-Loss Month May-09 2 Loan no: 123456 Loan before Restructuring 3 Original loan amount 500,000 4 4. Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 % 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - P&I P&l 3,333 9 Monthly payment - T&I T&l 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 Terms of Modified/Restructured Loan 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 % 17 Monthly payment - P&I P&l 1,346 18 Monthly payment - T&I T&l 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid 00 Xxxx xxxx (0xx, 0xx) 0xx If adjustable: 22 Initial interest rate 3.500 % 23 Term - initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 % 31 Cap per adjustment 2.000 % 32 Lifetime Cap 9.500 % 33 Floor 2.750 % 34 Front end DTI 31 % 35 Back end DTI 45 % Restructuring Loss Calculation 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — 40 Total loan balance due before restructuring 461,438 Assumptions for NPV Calculation, Restructured Loan: 41 Discount rate for projected cash flows 5.530 % 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438 58.438 Notes to Exhibit 2b (restructuring)

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. Exhibit 2b CALCULATION OF RESTRUCTURING LOSS 1 Shared-Loss Month May-09 2 Loan no: 123456 Loan before Restructuring 3 Original loan amount 500,000 4 Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 7.500% 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - P&I 3,333 9 Monthly payment - T&I 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 Terms of Modified/Restructured Loan 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 3.500% 17 Monthly payment - P&I 1,346 18 Monthly payment - T&I 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid 00 Xxxx xxxx (0xx, 0xx) 0xx If adjustable: 22 Initial interest rate 3.500 3.500% 23 Term - initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 2.750% 31 Cap per adjustment 2.000 2.000% 32 Lifetime Cap 9.500 9.500% 33 Floor 2.750 2.750% 34 Front end DTI 31 31% 35 Back end DTI 45 45% Restructuring Loss Calculation 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — 40 Total loan balance due before restructuring 461,438 Assumptions for NPV Calculation, Restructured Loan: 41 Discount rate for projected cash flows 5.530 5.530% 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438 Notes to Exhibit 2b (restructuring)