Common use of Fees and Expenses of Arbiters Clause in Contracts

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Exhibit 1 Loan No. Loss Type Amount TOTAL XX A Recoveries Loan No. Recovery Amount Loss Amount Loss Month TOTAL XX B Net Losses (Recoveries) Col. D Col. E E Cumulative Cumulative Loss Amount First Loss Tranche Shared-Loss Amount Balance, beginning of month XX XX XX F Current month Net Losses (from Part 1) XX Balance, end of month XX XX XX G Shared Loss Amount XX G - F Times Loss Share percentage 80% Amount due from (to) FDIC as Receiver XX Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 8.100% 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure 10 to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s 's fees 0 13 Foreclosure costs, including title search, filing fees, 13 advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s 's Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 8.000% 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 Foreclosure Loss calculation 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s 's fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:,

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl sett stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Pursuant to Section 2.1 of the Single Family Shared-Module 1 – Whole Bank w/ Loss AgreementShare – P&A Version 1.12 November 17, the undersigned hereby certifies the information on this Certificate is true2009 78 FIRST REGIONAL BANK Los Angeles, complete and correct. CA Module 1 – Whole Bank w/ Loss Share – P&A Version 1.12 November 17, 2009 79 FIRST REGIONAL BANK Los Angeles, CA Module 1 – Whole Bank w/ Loss Share – P&A Version 1.12 November 17, 2009 80 FIRST REGIONAL BANK Los Angeles, CA This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 Module 1 – Whole Bank w/ Loss Share – P&A Version 1.12 November 17, 2009 81 FIRST REGIONAL BANK Los Angeles, CA 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 Module 1 – Whole Bank w/ Loss Share – P&A Version 1.12 November 17, 2009 82 FIRST REGIONAL BANK Los Angeles, CA 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:35,306

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Exhibit 1 Monthly Certificate PART 1 - CURRENT MONTH NET LOSS MONTH ENDED: [input report month] Losses Loss TOTAL XX A Loan No. Loss Type Amount Recoveries Recovery Loss Loss Loan No. Amount Amount Month TOTAL XX B Net Losses (Recoveries) XX C = A - B PART 2 - FIRST LOSS TEST Col. D Col. E Col. D - Col. E Cumulative Loss Amount First Loss Tranche Cumulative Shared-Loss Amount Balance, beginning of month XX XX XX F Current month Net Losses (from Part 1) XX Balance, end of month XX XX XX G Shared Loss Amount XX G - F Times Loss Share percentage 80% Amount due from (to) FDIC as Receiver XX Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. OFFICER SIGNATURE OFFICER NAME: TITLE Specify loss type as Foreclosure, or Short-Sale. Loss Amount is the amount of Loss incurred and reported on the loan in a Loss Month is the reporting month in which the Loss was reported. If Col. D minus Col. E is less than zero, enter zero. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:35,306

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). . Module 1 Whole Bank w/ Loss Share – P&A 82 Rainier Pacific Bank Version 2.00 Tacoma, Washington January 20, 2010 Module 1 – Whole Bank w/ Loss Share – P&A 83 Rainier Pacific Bank Version 2.00 Tacoma, Washington January 20, 2010 Module 1 – Whole Bank w/ Loss Share – P&A 84 Rainier Pacific Bank Version 2.00 Tacoma, Washington January 20, 2010 Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. Module 1 – Whole Bank w/ Loss Share – P&A 85 Rainier Pacific Bank Version 2.00 Tacoma, Washington January 20, 2010 This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, 13 advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 Module 1 Shared-– Whole Bank w/ Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interestShare – P&A 86 Rainier Pacific Bank Version 2.00 Tacoma, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costsWashington January 20, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:2010

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Exhibit 1 Losses Loan No. Loss Type Loss Amount TOTAL Recoveries Loan No. XX Recovery Amount A Loss Amount is the amount of Loss incurred and reported on the loan in a Loss Month Loss Amount TOTAL XX B Net Losses XX C = A - B (Recoveries) PART 2 - FIRST LOSS TEST Col. D Cumulative Loss Amount Col. E First Loss Tranche Col. D - Col. E Cumulative Shared-Loss Amount Balance, beginning of month Current month Net Losses (from Part 1) XX XX XX XX F Balance, end of month XX XX XX G Shared Loss Amount XX G - F Times Loss Share percentage 80% Amount due from (to) FDIC as Receiver XX Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 8.100% 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure 10 to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s 's fees 0 13 Foreclosure costs, including title search, filing fees, 13 advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s 's Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:35,306

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Module 1 — Whole Bank w/ Loss Share — P&A First Security National Bank Version 1.12 Norcross, GA November 17, 2009 Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. . Module 1 — Whole Bank w/ Loss Share — P&A First Security National Bank Version 1.12 Norcross, GA November 17, 2009 This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 Module 1 — Whole Bank w/ Loss Share — P&A First Security National Bank Version 1.12 Norcross, GA November 17, 2009 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 Module 1 — Whole Bank w/ Loss Share — P&A First Security National Bank Version 1.12 Norcross, GA November 17, 2009 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Exhibit 1 Losses Loan No. Loss Type Loss Amount TOTAL Recoveries Loan No. XX Recovery Amount A Loss Amount is the amount of Loss incurred and reported on the loan in a Loss Month Loss Amount TOTAL XX B Net Losses XX C = A - B (Recoveries) PART 2 - FIRST LOSS TEST Col. D Cumulative Loss Amount Col. E First Loss Tranche Col. D - Col. E Cumulative Shared-Loss Amount Balance, beginning of month Current month Net Losses (from Part 1) XX XX XX XX F Balance, end of month XX XX XX G Shared Loss Amount XX G - F Times Loss Share percentage 80% Amount due from (to) FDIC as Receiver XX Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 8.100% 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s 's fees 0 13 Foreclosure costs, including title search, filing fees, 13 advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s 's Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:35,306

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). PART 1 - CURRENT MONTH NET LOSS MONTH ENDED: [input report month] Losses Loan No. Loss Type Loss Amount Specify loss type as Foreclosure, or Short-Sale. TOTAL XX A Loss Amount is the amount of Loss incurred and reported on the loan in a Loss Month is the reporting month in which the Loss was reported. Recoveries Loan No. Recovery Amount Loss Amount Loss Month TOTAL Net Losses (Recoveries) XX B XX C = A - B PART 2 - FIRST LOSS TEST If Col. D minus Col. E is less than zero, enter zero. Col. D Cumulative Loss Amount Col. E First Loss Tranche Col. D - Col. E Cumulative Shared-Loss Amount Balance, beginning of month Current month Net Losses (from Part 1) Balance, end of month Shared Loss Amount Times Loss Share percentage Amount due from (to) FDIC as Receiver XX G - F 80% XX United Commercial Bank San Francisco, CA Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 4112109 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 8.000% 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 4.000% 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency delinquency 2,500 13 Plus:

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Exhibit 1 Loan No. Loss Type Amount TOTAL XX A Recoveries Loan No. Recovery Amount Loss Amount Loss Month TOTAL XX B Net Losses (Recoveries) Col. D Col. E E Cumulative Cumulative Loss Amount First Loss Tranche Shared-Loss Amount Balance, beginning of month XX XX XX F Current month Net Losses (from Part 1) XX Balance, end of month XX XX XX G Shared Loss Amount XX G - F Times Loss Share percentage 80% Amount due from (to) FDIC as Receiver XX Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 8.100% 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure 10 to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s 's fees 0 13 Foreclosure costs, including title search, filing fees, 13 advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s 's Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 8.000% 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 Foreclosure Loss calculation 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s 's fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:,

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). . Module 1 Whole Bank w/ Loss Share – P&A The Park Avenue Bank Version 2.01 New York, New York February 24, 2010 77 Module 1 – Whole Bank w/ Loss Share – P&A The Park Avenue Bank Version 2.01 New York, New York February 24, 2010 78 Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. . Module 1 Whole Bank w/ Loss Share – P&A The Park Avenue Bank Version 2.01 New York, New York February 24, 2010 79 This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 Module 1 – Whole Bank w/ Loss Share – P&A The Park Avenue Bank Version 2.01 New York, New York February 24, 2010 80 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 Module 1 – Whole Bank w/ Loss Share – P&A The Park Avenue Bank Version 2.01 New York, New York February 24, 2010 81 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Whole Bank w/ Loss Share – P&A Colonial Bank August 14, 2009 Montgomery, Alabama Whole Bank w/ Loss Share – P&A Colonial Bank August 14, 2009 Montgomery, Alabama Whole Bank w/ Loss Share – P&A Colonial Bank August 14, 2009 Montgomery, Alabama Pursuant to Section 2.1 of the Single Family Shared-Loss Agreement, the undersigned hereby certifies the information on this Certificate is true, complete and correct. Whole Bank w/ Loss Share – P&A Colonial Bank August 14, 2009 Montgomery, Alabama This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 Whole Bank w/ Loss Share – P&A Colonial Bank August 14, 2009 Montgomery, Alabama 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 Whole Bank w/ Loss Share – P&A Colonial Bank August 14, 2009 Montgomery, Alabama 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus:

Fees and Expenses of Arbiters. The aggregate fees and expenses of the arbiters shall be borne equally by the parties. The parties shall pay the aggregate fees and expenses within thirty (30) days after receipt of the written decision of the arbiters (unless the arbiters agree in writing on some other payment schedule). Pursuant to Section 2.1 of the Single Family Shared-Module 1 – Whole Bank w/ Loss AgreementShare – P&A Version 2.01 February 24, the undersigned hereby certifies the information on this Certificate is true2010 78 Sun American Bank Boca Raton, complete and correct. Florida Module 1 Whole Bank w/ Loss Share – P&A Version 2.01 February 24, 2010 79 Sun American Bank Boca Raton, Florida Module 1 – Whole Bank w/ Loss Share – P&A Version 2.01 February 24, 2010 80 Sun American Bank Boca Raton, Florida This exhibit contains three versions of the loss share calculation for foreclosure, plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 364574 3 REO # 621 4 Foreclosure date 12/18/08 5 Liquidation date 4/12/09 6 Note Interest rate 8.100 % 7 Most recent BPO 228,000 8 Most recent BPO date 1/21/09 9 Book value at date of Loss Share agreement 244,900 10 Accrued interest, limited to 90 days or days from failure to sale, whichever is less 3,306 11 Costs incurred after Loss Share agreement in place: 12 Attorney’s fees 0 13 Foreclosure costs, including title search, filing fees, advertising, etc. 0 14 Property protection costs, maint. and repairs 6,500 15 Tax and insurance advances 0 Other Advances 16 Appraisal/Broker’s Price Opinion fees 0 17 Inspections 0 18 Other 0 19 Gross balance recoverable by Purchaser 254,706 20 Net liquidation proceeds (from HUD-1 settl stmt) 219,400 21 Hazard Insurance proceeds 0 22 Mortgage Insurance proceeds 0 23 T & I escrow account balances, if positive 0 24 Other credits, if any (itemize) 0 25 Total Cash Recovery 219,400 26 Loss Amount 35,306 Module 1 – Whole Bank w/ Loss Share – P&A Version 2.01 February 24, 2010 81 Sun American Bank Boca Raton, Florida 1 Shared-Loss Month May-09 2 Loan no: 292334 3 REO # 477 4 Interest paid-to-date 4/30/08 5 Foreclosure date 1/15/09 6 Liquidation date 4/12/09 7 Note Interest rate 8.000 % 8 Owner occupied? Yes 9 If owner-occupied: 10 Borrower current gross annual income 42,000 11 Estimated NPV of loan mod 195,000 12 Most recent BPO 235,000 13 Most recent BPO date 1/21/09 16 Loan Principal balance after last paid installment 300,000 17 Accrued interest, limited to 90 days 6,000 18 Attorney’s fees 0 19 Foreclosure costs, including title search, filing fees, advertising, etc. 4,000 20 Property protection costs, maint. and repairs 5,500 21 Tax and insurance advances 1,500 Other Advances 22 Appraisal/Broker’s Price Opinion fees 0 23 Inspections 50 24 Other 0 25 Gross balance recoverable by Purchaser 317,050 26 Net liquidation proceeds (from HUD-1 settl stmt) 205,000 27 Hazard Insurance proceeds 0 28 Mortgage Insurance proceeds 0 29 T & I escrow account balances, if positive 0 30 Other credits, if any (itemize) 0 31 Total Cash Recovery 205,000 32 Loss Amount 112,050 Module 1 – Whole Bank w/ Loss Share – P&A Version 2.01 February 24, 2010 82 Sun American Bank Boca Raton, Florida 1 Shared-Loss Month May-09 2 Loan no: 138554 3 REO # 843 4 Loan mod date 1/17/08 5 Interest paid-to-date 4/30/08 6 Foreclosure date 1/15/09 7 Liquidation date 4/12/09 8 Note Interest rate 4.000 % 9 Most recent BPO 210,000 10 Most recent BPO date 1/20/09 11 NPV of projected cash flows at loan mod 285,000 12 Less: Principal payments between loan mod and deliquency 2,500 13 Plus: