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). Carry forward from other types of assets: 1. 2. Cumulative losses from securities 0 0 0 4. Total cumulative losses at beg of period 0 0 0 FDIC % Share x 0 % x 80 % 7. Amount Due from (to) FDIC 0 + 0 + = - Preparer signature Preparer title: Officer name: Officer signature Officer title: Date: Schedule 4.15B Date: Schedule 4.15B as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — Note: Total adjustments should also be reflected in the Certificate filing for the quarter this form is submitted. * Net Balance agrees with amount noted on Schedule 4.15A Single Family Shared-Loss Agreement, or Revised Totals if this form has already been submitted previously. Schedule 4.15A Date: Schedule 4.15A as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — 1 Shared-Loss Month 2 Loan ID 3 First payment date 4 Property type 5 Lien 7 Documentation 8 Original FICO 9 Original LTV 10 Original combined LTV 11 Original front-end DTI 12 Original back-end DTI 13 Negative Amortization cap 14 Property city 15 Property state 16 Property street address 17 Property zip 18 Maturity date 19 MI Coverage 20 Occupancy 21 Interest rate type 22 Product Type 23 Loan amortization type 24 Lookback 25 Margin 26 Interest rate index 27 Interest rate cap 28 Interest rate floor 29 First interest cap 30 Periodic interest cap 31 Periodic interest floor 32 Pay Cap 33 UPB 34 Interest rate 35 Paid-to date 36 Next payment due date 37 Scheduled payment 38 Escrow payment 39 Escrow balance 40 Next interest rate reset date 41 Next payment reset date 42 Rate reset period 43 Payment reset period 44 Payment History 45 Exceptional Loan Status 46 Valuation date 47 Valuation amount 48 Valuation type 49 Household income 50 Current FICO 51 Maximum Draw Amount 52 Draw period 53 Superior Lien Balance 2 Loan no: 123456 3 Modification Program: HAMP 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 same as Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 460413 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook. 1 Shared-Loss Month 20090531 2 Loan no: 123456 3 Modification Program: FDIC 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090501 18 Net Principal balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490501 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 32 Previous NPV of loan modification 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 459340 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 48 Gain/Loss Amount 72413 Line item definitions can be found in SFR Data Submission Handbook. 1. The data shown are for illustrative purpose. The figures will vary for actual restructurings. 2. For purposes of loss sharing, losses on restructured loans are calculated as the difference between: a. The principal, accrued interest, advances due on the loan, and allowable 3rd party fees prior to restructuring (2a(1) lines 34-41, 2a(2) lines 33-41), and b. The Net Present Value (NPV) of the estimated cash flows (line 47). The cash flows should assume no default or prepayment for 10 years, followed by prepayment in full at the end of 10 years (120 months). 3. For owner-occupied residential loans, the NPV is calculated using the most recently published Xxxxxxx Mac survey rate on 30-year fixed rate loans as of the restructure date. 4. For investor owned or non-owner occupied residential loans, the NPV is calculated using commercially reasonable rate on 30-year fixed rate loans as of the restructure date. 5. If the new loan is an adjustable-rate loan, interest rate resets and related cash flows should be projected based on the index rate in effect at the date of the loan restructuring. If the restructured loan otherwise provides for specific charges in monthly P&I payments over the term of the loan, those changes should be reflected in the projected cash flows. Assuming Institution must retain supporting schedule of projected cash flows as required by Section 2.1 of the Single Family Shared-Loss Agreement and provide it to the FDIC if requested for a sample audit. 6. Do not include late fees, prepayment penalties, or any similar lender fees or charges by the Failed Bank or Assuming Institution to the loan account, any allocation of Assuming Institution’s servicing costs, or any allocations of Assuming Institution’s general and administrative (G&A) or other operating costs. 7. The amount of accrued interest that may be added to the balance of the loan is limited to the minimum of: a. 90 days b. The number of days that the loan is delinquent at the time of restructuring c. The number of days between the resolution date and the restructuring To calculate accrued interest, apply the note interest rate that would have been in effect if the loan were performing to the principal balance after application of the last payment made by the borrower. 1 Shared-Loss Month: 20090531 2 Loan # 62201 3 Interest Paid-to-Date 20071130 4 Short Payoff Date 20090522 5 Note Interest rate 0.08500 6 Occupancy Owner If owner occupied: 7 Household current annual income 45000 8 Estimated NPV of loan mod 220000 9 Valuation Date 20090121 10 Valuation Amount 300000 11 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) Ext Appraisal 13 Book Value 300000 14 Less: Post closing principal payments 0 17 Accrued interest, limited to 90 days 6375 18 Attorney’s fees 75 19 Foreclosure costs, including title search, filing fees, advertising, etc. 0 20 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 21 Tax and insurance advances 0 Other Advances 22 Appraisal/Broker’s Price Opinion fees 250 23 Inspections 600 24 Other 0 25 Incentive to borrower 5000 Gross balance recoverable by Purchaser 312300 26 Amount accepted in Short-Sale (net proceeds) 275000 27 Hazard Insurance 0 28 Mortgage Insurance 0 29 T & I escrow account balance, if positive 0 30 Other credits, if any (itemize) 0 Total Cash Recovery 275000 (1) Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC

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). Carry forward from other types of assets: 1. 2. Cumulative losses from securities 0 0 0 4. Total cumulative losses at beg of period 0 0 0 FDIC % Share x 0 % x 80 % 7. Amount Due from (to) FDIC 0 + 0 + = - Preparer signature Preparer title: Officer name: Officer signature Officer title: Date: Schedule 4.15B Date: Schedule 4.15B as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — Note: Total adjustments should also be reflected in the Certificate filing for the quarter this form is submitted. * Net Balance agrees with amount noted on Schedule 4.15A Single Family Shared-Loss Agreement, or Revised Totals if this form has already been submitted previously. Schedule 4.15A Date: Schedule 4.15A as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — 1 Shared-Loss Month 2 Loan ID 3 First payment date 4 Property type 5 Lien 7 Documentation 8 Original FICO 9 Original LTV 10 Original combined LTV 11 Original front-end DTI 12 Original back-end DTI 13 Negative Amortization cap 14 Property city 15 Property state 16 Property street address 17 Property zip 18 Maturity date 19 MI Coverage 20 Occupancy 21 Interest rate type 22 Product Type 23 Loan amortization type 24 Lookback 25 Margin 26 Interest rate index 27 Interest rate cap 28 Interest rate floor 29 First interest cap 30 Periodic interest cap 31 Periodic interest floor 32 Pay Cap 33 UPB 34 Interest rate 35 Paid-to date 36 Next payment due date 37 Scheduled payment 38 Escrow payment 39 Escrow balance 40 Next interest rate reset date 41 Next payment reset date 42 Rate reset period 43 Payment reset period 44 Payment History 45 Exceptional Loan Status 46 Valuation date 47 Valuation amount 48 Valuation type 49 Household income 50 Current FICO 51 Maximum Draw Amount 52 Draw period 53 Superior Lien Balance 2 Loan no: 123456 3 Modification Program: HAMP 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisalBalance Module 1 Whole Bank w/ Loss Share – P&A Version 2.05 April 26, BPO0000 XXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXXX, AVM, etc) AVM 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 same as Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 460413 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook. 1 Shared-Loss Month 20090531 2 Loan no: 123456 3 Modification Program: FDIC 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090501 18 Net Principal balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490501 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 32 Previous NPV of loan modification 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 459340 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 48 Gain/Loss Amount 72413 Line item definitions can be found in SFR Data Submission Handbook.XX 1. The data shown are for illustrative purpose. The figures will vary for actual restructurings. 2. For purposes of loss sharing, losses on restructured loans are calculated as the difference between: a. The principal, accrued interest, advances due on the loan, and allowable 3rd party fees prior to restructuring (2a(1) lines 34-41, 2a(2) lines 33-41), and b. The Net Present Value (NPV) of the estimated cash flows (line 47). The cash flows should assume no default or prepayment for 10 years, followed by prepayment in full at the end of 10 years (120 months). 3. For owner-occupied residential loans, the NPV is calculated using the most recently published Xxxxxxx Mac survey rate on 30-year fixed rate loans as of the restructure date. 4. For investor owned or non-owner occupied residential loans, the NPV is calculated using commercially reasonable rate on 30-year fixed rate loans as of the restructure date. 5. If the new loan is an adjustable-rate loan, interest rate resets and related cash flows should be projected based on the index rate in effect at the date of the loan restructuring. If the restructured loan otherwise provides for specific charges in monthly P&I payments over the term of the loan, those changes should be reflected in the projected cash flows. Assuming Institution must retain supporting schedule of projected cash flows as required by Section 2.1 of the Single Family Shared-Loss Agreement and provide it to the FDIC if requested for a sample audit. 6. Do not include late fees, prepayment penalties, or any similar lender fees or charges by the Failed Bank or Assuming Institution to the loan account, any allocation of Assuming Institution’s servicing costs, or any allocations of Assuming Institution’s general and administrative (G&A) or other operating costs. 7. The amount of accrued interest that may be added to the balance of the loan is limited to the minimum of: a. 90 days b. The number of days that the loan is delinquent at the time of restructuring c. The number of days between the resolution date and the restructuring To calculate accrued interest, apply the note interest rate that would have been in effect if the loan were performing to the principal balance after application of the last payment made by the borrower. 1. 1 Shared-Loss Month: 20090531 2 Loan # 62201 3 Interest Paid-to-Date 20071130 4 Short Payoff Date 20090522 5 Note Interest rate 0.08500 6 Occupancy Owner If owner occupied: 7 Household current annual income 45000 8 Estimated NPV of loan mod 220000 9 Valuation Date 20090121 10 Valuation Amount 300000 11 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) Ext Appraisal 13 Book Value 300000 14 Less: Post closing principal payments 0 17 Accrued interest, limited to 90 days 6375 18 Attorney’s fees 75 19 Foreclosure costs, including title search, filing fees, advertising, etcThe data shown are for illustrative purpose. 0 20 Property protection costs, maintThe figures will vary for actual short sales., repairs and any costs or expenses relating to environmental conditions 0 21 Tax and insurance advances 0 Other Advances 22 Appraisal/Broker’s Price Opinion fees 250 23 Inspections 600 24 Other 0 25 Incentive to borrower 5000 Gross 2. The covered loss is the difference between the gross balance recoverable by Purchaser 312300 26 Amount accepted and the total cash recovery. There are two methods of calculation for covered losses from short sales, depending upon the circumstances. They are shown below: a. If the loan was restructured when the Loss Share agreement was in Short-Sale place, and then the short sale occurred, use Exhibit 2b(3). This version uses the Net Present Value (net proceedsNPV) 275000 27 Hazard Insurance 0 28 Mortgage Insurance 0 29 T & I escrow account balance, if positive 0 30 Other credits, if any (itemize) 0 Total Cash Recovery 275000 (1) Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDICmodified loan as the starting point for the covered loss.

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). Carry forward from other types of assets: 1. 2. Cumulative losses from securities 0 0 0 4. Total cumulative losses at beg of period 0 0 0 FDIC % Share x 0 % x 80 % 7. Amount Due from (to) FDIC 0 + 0 + = - Preparer signature Preparer title: Officer name: Officer signature Officer title: Date: Schedule 4.15B Date: Schedule 4.15B as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — Note: Total adjustments should also be reflected in the Certificate filing for the quarter this form is submitted. * Net Balance agrees with amount noted on Schedule 4.15A Single Family Shared-Loss Agreement, or Revised Totals if this form has already been submitted previously. Schedule 4.15A Date: Schedule 4.15A as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — 1 Shared-Loss Month 2 Loan ID 3 First payment date 4 Property type 5 Lien 7 Documentation 8 Original FICO 9 Original LTV 10 Original combined LTV 11 Original front-end DTI 12 Original back-end DTI 13 Negative Amortization cap 14 Property city 15 Property state 16 Property street address 17 Property zip 18 Maturity date 19 MI Coverage 20 Occupancy 21 Interest rate type 22 Product Type 23 Loan amortization type 24 Lookback 25 Margin 26 Interest rate index 27 Interest rate cap 28 Interest rate floor 29 First interest cap 30 Periodic interest cap 31 Periodic interest floor 32 Pay Cap 33 UPB 34 Interest rate 35 Paid-to date 36 Next payment due date 37 Scheduled payment 38 Escrow payment 39 Escrow balance 40 Next interest rate reset date 41 Next payment reset date 42 Rate reset period 43 Payment reset period 44 Payment History 45 Exceptional Loan Status 46 Valuation date 47 Valuation amount 48 Valuation type 49 Household income 50 Current FICO 51 Maximum Draw Amount 52 Draw period 53 Superior Lien Balance 2 Loan no: 123456 3 Modification Program: HAMP 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 same as Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 460413 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook. 1 Shared-Loss Month 20090531 2 Loan no: 123456 3 Modification Program: FDIC 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090501 18 Net Principal balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490501 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 32 Previous NPV of loan modification 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 459340 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 48 Gain/Loss Amount 72413 Line item definitions can be found in SFR Data Submission Handbook.Balance 1. The data shown are for illustrative purpose. The figures will vary for actual restructurings. 2. For purposes of loss sharing, losses on restructured loans are calculated as the difference between: a. The principal, accrued interest, advances due on the loan, and allowable 3rd party fees prior to restructuring (2a(1) lines 34-41, 2a(2) lines 33-41), and b. The Net Present Value (NPV) of the estimated cash flows (line 47). The cash flows should assume no default or prepayment for 10 years, followed by prepayment in full at the end of 10 years (120 months). 3. For owner-occupied residential loans, the NPV is calculated using the most recently published Xxxxxxx Mac survey rate on 30-year fixed rate loans as of the restructure date. 4. For investor owned or non-owner occupied residential loans, the NPV is calculated using commercially reasonable rate on 30-year fixed rate loans as of the restructure date. 5. If the new loan is an adjustable-rate loan, interest rate resets and related cash flows should be projected based on the index rate in effect at the date of the loan restructuring. If the restructured loan otherwise provides for specific charges in monthly P&I payments over the term of the loan, those changes should be reflected in the projected cash flows. Assuming Institution must retain supporting schedule of projected cash flows as required by Section 2.1 of the Single Family Shared-Loss Agreement and provide it to the FDIC if requested for a sample audit. 6. Do not include late fees, prepayment penalties, or any similar lender fees or charges by the Failed Bank or Assuming Institution to the loan account, any allocation of Assuming Institution’s servicing costs, or any allocations of Assuming Institution’s general and administrative (G&A) or other operating costs. 7. The amount of accrued interest that may be added to the balance of the loan is limited to the minimum lesser of: a. 90 days b. The number of days that the loan is delinquent at the time of restructuring c. The number of days between the resolution date and the restructuring To calculate accrued interest, apply the note interest rate that would have been in effect if the loan were performing to the principal balance after application of the last payment made by the borrower. 1 Shared-Loss Month: 20090531 2 Loan # 62201 3 Interest Paid-to-Date 20071130 4 Short Payoff Date 20090522 5 Note Interest rate 0.08500 6 Occupancy Owner If owner occupied: 7 Household current annual income 45000 8 Estimated NPV of loan mod 220000 9 Valuation Date 20090121 10 Valuation Amount 300000 11 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) Ext Appraisal 13 Book Value 300000 14 Less: Post closing principal payments 0 17 Accrued interest, limited to 90 days 6375 18 Attorney’s fees 75 19 Foreclosure costs, including title search, filing fees, advertising, etc. 0 20 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 21 Tax and insurance advances 0 Other Advances 22 Appraisal/Broker’s Price Opinion fees 250 23 Inspections 600 24 Other 0 25 Incentive to borrower 5000 Gross balance recoverable by Purchaser 312300 26 Amount accepted in Short-Sale (net proceeds) 275000 27 Hazard Insurance 0 28 Mortgage Insurance 0 29 T & I escrow account balance, if positive 0 30 Other credits, if any (itemize) 0 Total Cash Recovery 275000 (1) Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC

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). Carry forward from other types of assets: 1. 2. Cumulative losses from securities 0 0 0 4. Total cumulative losses at beg of period 0 0 0 FDIC % Share x 0 % x 80 % 7. Amount Due from (to) FDIC 0 + 0 + = - Preparer signature Preparer title: Officer name: Officer signature Officer title: Date: Schedule 4.15B Date: Schedule 4.15B as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — Note: Total adjustments should also be reflected in the Certificate filing for the quarter this form is submitted. * Net Balance agrees with amount noted on Schedule 4.15A Single Family Shared-Loss Agreement, or Revised Totals if this form has already been submitted previously. Schedule 4.15A Date: Schedule 4.15A as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — 1 Shared-Loss Month 2 Loan ID 3 First payment date 4 Property type 5 Lien 7 Documentation 8 Original FICO 9 Original LTV 10 Original combined LTV 11 Original front-end DTI 12 Original back-end DTI 13 Negative Amortization cap 14 Property city 15 Property state 16 Property street address 17 Property zip 18 Maturity date 19 MI Coverage 20 Occupancy 21 Interest rate type 22 Product Type 23 Loan amortization type 24 Lookback 25 Margin 26 Interest rate index 27 Interest rate cap 28 Interest rate floor 29 First interest cap 30 Periodic interest cap 31 Periodic interest floor 32 Pay Cap 33 UPB 34 Interest rate 35 Paid-to date 36 Next payment due date 37 Scheduled payment 38 Escrow payment 39 Escrow balance 40 Next interest rate reset date 41 Next payment reset date 42 Rate reset period 43 Payment reset period 44 Payment History 45 Exceptional Loan Status 46 Valuation date 47 Valuation amount 48 Valuation type 49 Household income 50 Current FICO 51 Maximum Draw Amount 52 Draw period 53 Superior Lien Balance 1 Shared-Loss Month 20090531 2 Loan no: 123456 123,456 3 Modification Program: HAMP 4 Unpaid principal balance 450000 450,000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 3,047 11 Monthly payment - T&I 1000 -T&I 1,000 Total monthly payment 4047 4,047 12 Household current annual income 95000 95,000 13 Valuation Date 20090121 14 Valuation Amount 425000 425,000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & principal reduction) 467188 467,188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 1,454 27 Monthly payment - T&I 1000 -T&I 1,000 Total monthly payment 2454 2,454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 same as Unpaid Principal Balance before 4 above restructuring/modification 450000 450,000 34 Accrued interest, limited to 90 days 7313 7,313 35 Attorney’s 's fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 2,500 Other Advances 39 Appraisal/Broker’s 's Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 460413 460,413 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 386,927 48 Gain/Loss Amount 73485 73,485 Line item definitions deductions can be found in SFR Data Submission Handbook. 1 Shared-Loss Month 20090531 2 Loan no: 123456 123,456 3 Modification Program: FDIC 4 Unpaid principal balance 450000 450,000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 3,047 11 Monthly payment - T&I 1000 -T&I 1,000 Total monthly payment 4047 4,047 12 Household current annual income 95000 95,000 13 Valuation Date 20090121 14 Valuation Amount 425000 425,000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 16 1st Trial Payment Due Date 20090201 17 Modification Effective Date 20090501 18 Net Principal balance (net of forbearance & principal reduction) 467188 467,188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490501 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 1,454 27 Monthly payment - T&I 1000 -T&I 1,000 Total monthly payment 2454 2,454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 32 Previous NPV of loan modification 458740 458,740 33 Less: Post modification principal payments 2500 2,500 Plus: 35 Attorney’s 's fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 2,500 Other Advances 39 Appraisal/Broker’s 's Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 459340 459,340 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 386,927 48 Gain/Loss Amount 72413 72,413 Line item definitions can be found in SFR Data Submission Handbook. 1. The data shown are for illustrative purpose. The figures will vary for actual restructurings. 2. For purposes of loss sharing, losses on restructured loans are calculated as the difference between: a. The principal, accrued interest, advances due on the loan, and allowable 3rd party fees prior to restructuring (2a(1) lines 34-41, 2a(2) lines 33-41), and b. The Net Present Value (NPV) of the estimated cash flows (line 47). The cash flows should assume no default or prepayment for 10 years, followed by prepayment in full at the end of 10 years (120 months). 3. For owner-occupied residential loans, the NPV is calculated using the most recently published Xxxxxxx Fxxxxxx Mac survey rate on 30-year fixed rate loans as of the restructure date. 4. For investor owned or non-owner occupied residential loans, the NPV is calculated using commercially reasonable rate on 30-year fixed rate loans as of the restructure date. 5. If the new loan is an adjustable-rate loan, interest rate resets and related cash flows should be projected based on the index rate in effect at the date of the loan restructuring. If the restructured loan otherwise provides for specific charges in monthly P&I payments over the term of the loan, those changes should be reflected in the projected cash flows. Assuming Institution must retain supporting schedule of projected cash flows as required by Section 2.1 of the Single Family Shared-Loss Agreement and provide it to the FDIC if requested for a sample audit. 6. Do not include late fees, prepayment penalties, or any similar lender fees or charges by the Failed Bank or Assuming Institution to the loan account, any allocation of Assuming Institution’s servicing costs, or any allocations of Assuming Institution’s general and administrative (G&A) or other operating costs. 7. The amount of accrued interest that may be added to the balance of the loan is limited to the minimum of: a. 90 days b. The number of days that the loan is delinquent at the time of restructuring c. The number of days between the resolution date and the restructuring To calculate accrued interest, apply the note interest rate that would have been in effect if the loan were performing to the principal balance after application of the last payment made by the borrower. 1 Shared-Loss Month: 20090531 2 Loan # 62201 62,201 3 Interest Paid-to-to Date 20071130 4 Short Payoff Date 20090522 5 Note Interest interest rate 0.08500 6 Occupancy Owner If owner occupied: 7 Household current annual income 45000 8 Estimated NPV of loan mod 220000 9 Valuation Date 20090121 10 Valuation Amount 300000 11 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) Ext Appraisal 13 Book Value 300000 14 Less: Post closing principal payments 0 17 Accrued interest, limited to 90 days 6375 18 Attorney’s fees 75 19 Foreclosure costs, including title search, filing fees, advertising, etc. 0 20 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 21 Tax and insurance advances 0 Other Advances 22 Appraisal/Broker’s Price Opinion fees 250 23 Inspections 600 24 Other 0 25 Incentive to borrower 5000 Gross balance recoverable by Purchaser 312300 26 Amount accepted in Short-Sale (net proceeds) 275000 27 Hazard Insurance 0 28 Mortgage Insurance 0 29 T & I escrow account balance, if positive 0 30 Other credits, if any (itemize) 0 Total Cash Recovery 275000 (1) Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC:

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). Carry forward from other types of assets: 1. 2. Cumulative losses from securities 0 0 0 4. Total cumulative losses at beg of period 0 0 0 FDIC % Share x 0 % x 80 % 7. Amount Due from (to) FDIC 0 + 0 + = - Preparer signature Preparer title: Officer name: Officer signature Officer title: Date: Schedule 4.15B Date: Schedule 4.15B as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — Note: Total adjustments should also be reflected in the Certificate filing for the quarter this form is submitted. * Net Balance agrees with amount noted on Schedule 4.15A Single Family Shared-Loss Agreement, or Revised Totals if this form has already been submitted previously. Schedule 4.15A Date: Schedule 4.15A as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal — — 1 Shared-Loss Month 2 Loan ID 3 First payment date 4 Property type 5 Lien 7 Documentation 8 Original FICO 9 Original LTV 10 Original combined LTV 11 Original front-end DTI 12 Original back-end DTI 13 Negative Amortization cap 14 Property city 15 Property state 16 Property street address 17 Property zip 18 Maturity date 19 MI Coverage 20 Occupancy 21 Interest rate type 22 Product Type 23 Loan amortization type 24 Lookback 25 Margin 26 Interest rate index 27 Interest rate cap 28 Interest rate floor 29 First interest cap 30 Periodic interest cap 31 Periodic interest floor 32 Pay Cap 33 UPB 34 Interest rate 35 Paid-to date 36 Next payment due date 37 Scheduled payment 38 Escrow payment 39 Escrow balance 40 Next interest rate reset date 41 Next payment reset date 42 Rate reset period 43 Payment reset period 44 Payment History 45 Exceptional Loan Status 46 Valuation date 47 Valuation amount 48 Valuation type 49 Household income 50 Current FICO 51 Maximum Draw Amount 52 Draw period 53 Superior Lien Balance 2 Loan no: 123456 3 Modification Program: HAMP 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 same as Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 460413 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook. 1 Shared-Loss Month 20090531 2 Loan no: 123456 3 Modification Program: FDIC 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090501 18 Net Principal balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490501 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 32 Previous NPV of loan modification 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 459340 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1) 386927 48 Gain/Loss Amount 72413 Line item definitions can be found in SFR Data Submission Handbook.Balance 1. The data shown are for illustrative purpose. The figures will vary for actual restructurings. 2. For purposes of loss sharing, losses on restructured loans are calculated as the difference between: a. The principal, accrued interest, advances due on the loan, and allowable 3rd party fees prior to restructuring (2a(1) lines 34-41, 2a(2) lines 33-41), and b. The Net Present Value (NPV) of the estimated cash flows (line 47). The cash flows should assume no default or prepayment for 10 years, followed by prepayment in full at the end of 10 years (120 months). 3. For owner-occupied residential loans, the NPV is calculated using the most recently published Xxxxxxx Mac survey rate on 30-year fixed rate loans as of the restructure date. 4. For investor owned or non-owner occupied residential loans, the NPV is calculated using commercially reasonable rate on 30-year fixed rate loans as of the restructure date. 5. If the new loan is an adjustable-rate loan, interest rate resets and related cash flows should be projected based on the index rate in effect at the date of the loan restructuring. If the restructured loan otherwise provides for specific charges in monthly P&I payments over the term of the loan, those changes should be reflected in the projected cash flows. Assuming Institution must retain supporting schedule of projected cash flows as required by Section 2.1 of the Single Family Shared-Loss Agreement and provide it to the FDIC if requested for a sample audit. 6. Do not include late fees, prepayment penalties, or any similar lender fees or charges by the Failed Bank or Assuming Institution to the loan account, any allocation of Assuming Institution’s servicing costs, or any allocations of Assuming Institution’s general and administrative (G&A) or other operating costs. 7. The amount of accrued interest that may be added to the balance of the loan is limited to the minimum of: a. 90 days b. The number of days that the loan is delinquent at the time of restructuring c. The number of days between the resolution date and the restructuring To calculate accrued interest, apply the note interest rate that would have been in effect if the loan were performing to the principal balance after application of the last payment made by the borrower. 1. 1 Shared-Loss Month: 20090531 2 Loan # 62201 3 Interest Paid-to-Date 20071130 4 Short Payoff Date 20090522 5 Note Interest rate 0.08500 6 Occupancy Owner If owner occupied: 7 Household current annual income 45000 8 Estimated NPV of loan mod 220000 9 Valuation Date 20090121 10 Valuation Amount 300000 11 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) Ext Appraisal 13 Book Value 300000 14 Less: Post closing principal payments 0 17 Accrued interest, limited to 90 days 6375 18 Attorney’s fees 75 19 Foreclosure costs, including title search, filing fees, advertising, etcThe data shown are for illustrative purpose. 0 20 Property protection costs, maintThe figures will vary for actual short sales., repairs and any costs or expenses relating to environmental conditions 0 21 Tax and insurance advances 0 Other Advances 22 Appraisal/Broker’s Price Opinion fees 250 23 Inspections 600 24 Other 0 25 Incentive to borrower 5000 Gross 2. The covered loss is the difference between the gross balance recoverable by Purchaser 312300 26 Amount accepted and the total cash recovery. There are two methods of calculation for covered losses from short sales, depending upon the circumstances. They are shown below: a. If the loan was restructured when the Loss Share agreement was in Short-Sale place, and then the short sale occurred, use Exhibit 2b(3). This version uses the Net Present Value (net proceedsNPV) 275000 27 Hazard Insurance 0 28 Mortgage Insurance 0 29 T & I escrow account balance, if positive 0 30 Other credits, if any (itemize) 0 Total Cash Recovery 275000 (1) Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDICmodified loan as the starting point for the covered loss.

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). Carry forward from other types of assets: 1. 2. Cumulative losses from securities 0 0 0 4. Total cumulative losses at beg of period 0 0 0 5. Covered single family losses (gains) during period 0 0 0 FDIC % Share x 0 % x 80 % 7. Amount Due from (to) FDIC 0 + 0 + = - — Preparer signature Preparer title: Officer name: Officer signature Officer title: Date: Carry forward from other types of assets: 1. 2. Cumulative losses from securities 0 0 0 4. Total cumulative losses at beg of period 0 0 0 5. Covered single family losses (gains) during period 0 0 0 FDIC % Share x 0 % x 80 % 7. Amount Due from (to) FDIC 0 + 0 + = — Preparer signature Preparer title: Officer name: Officer signature Officer title: Date: Schedule 4.15B Date: Schedule 4.15B as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal Total Adjustments — — Note: Total adjustments should also be reflected in the Certificate filing for the quarter this form is submitted. * Net Balance agrees with amount noted on Schedule 4.15A Single Family Shared-Loss Agreement, or Revised Totals if this form has already been submitted previously. Schedule 4.15A Date: Schedule 4.15A as provided $ — $ — Subtotal — — Subtotal — — Subtotal — — Subtotal Total Adjustments — — 1 Shared-Loss Month 2 Loan ID 3 First payment date 4 Property type 5 Lien 7 Documentation 8 Original FICO 9 Original LTV 10 Original combined LTV 11 Original front-end DTI 12 Original back-end DTI 13 Negative Amortization cap 14 Property city 15 Property state 16 Property street address 17 Property zip 18 Maturity date 19 MI Coverage 20 Occupancy 21 Interest rate type 22 Product Type 23 Loan amortization type 24 Lookback 25 Margin 26 Interest rate index 27 Interest rate cap 28 Interest rate floor 29 First interest cap 30 Periodic interest cap 31 Periodic interest floor 32 Pay Cap 33 UPB 34 Interest rate 35 Paid-to date 36 Next payment due date 37 Scheduled payment 38 Escrow payment 39 Escrow balance 40 Next interest rate reset date 41 Next payment reset date 42 Rate reset period 43 Payment reset period 44 Payment History 45 Exceptional Loan Status 46 Valuation date 47 Valuation amount 48 Valuation type 49 Household income 50 Current FICO 51 Maximum Draw Amount 52 Draw period 53 Superior Lien Balance 1 Shared-Loss Month 20090531 2 Loan no: 123456 3 Modification Program: HAMP 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 same as Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 39 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 460413 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort amount schd1) 386927 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook. 1 Shared-Loss Month 20090531 2 Loan no: 123456 3 Modification Program: FDIC 4 Unpaid principal balance 450000 5 Remaining term 298 6 Interest rate 0.06500 7 Next ARM reset rate (if within next 4 months) 0.00000 8 Interest Paid-To-Date 20081230 20061230 9 Delinquency Status FC 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 1000 Total monthly payment 4047 12 Household current annual income 95000 13 Valuation Date 20090121 14 Valuation Amount 425000 15 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) AVM 17 Modification Effective Date 20090501 18 Net Principal balance (net of forbearance & principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490501 24 Interest rate 0.02159 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 27 Monthly payment - T&I 1000 Total monthly payment 2454 2464 28 Next reset date 20140501 29 Interest rate change per adjustment 0.01000 30 Lifetime interest rate cap 0.05530 31 Back end DTI 0.45000 32 Previous NPV of loan modification 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney’s fees 0 36 Foreclosure costs, including title search, filing fees, advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 39 Other Advances 39 Appraisal/Broker’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 459340 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort amount schd1) 386927 48 Gain/Loss Amount 72413 Line item definitions can be found in SFR Data Submission Handbook. 1. The data shown are for illustrative purpose. The figures will vary for actual restructurings. 2. For purposes of loss sharing, losses on restructured loans are calculated as the difference between: a. The principal, accrued interest, advances due on the loan, and allowable 3rd party fees prior to restructuring (2a(1) lines 34-41, 2a(2) lines 33-41), and b. The Net Present Value (NPV) of the estimated cash flows (line 47). The cash flows should assume no default or prepayment for 10 years, followed by prepayment in full at the end of 10 years (120 months). 3. For owner-occupied residential loans, the NPV is calculated using the most recently published Xxxxxxx Mac survey rate on 30-year fixed rate loans as of the restructure date. 4. For investor owned or non-owner occupied residential loans, the NPV is calculated using commercially reasonable rate on 30-year fixed rate loans as of the restructure date. 5. If the new loan is an adjustable-rate loan, interest rate resets and related cash flows should be projected based on the index rate in effect at the date of the loan restructuring. If the restructured loan otherwise provides for specific charges in monthly P&I payments over the term of the loan, those changes should be reflected in the projected cash flows. Assuming Institution must retain supporting schedule of projected cash flows as required by Section 2.1 of the Single Family Shared-Loss Agreement and provide it to the FDIC if requested for a sample audit. 6. Do not include late fees, prepayment penalties, or any similar lender fees or charges by the Failed Bank or Assuming Institution to the loan account, any allocation of Assuming Institution’s servicing costs, or any allocations of Assuming Institution’s general and administrative (G&A) or other operating costs. 7. The amount of accrued interest that may be added to the balance of the loan is limited to the minimum of: a. 90 days b. The number of days that the loan is delinquent at the time of restructuring c. The number of days between the resolution date and the restructuring To calculate accrued interest, apply the note interest rate that would have been in effect if the loan were performing to the principal balance after application of the last payment made by the borrower. 1 Shared-Loss Month: 20090531 2 Loan # 62201 3 Interest Paid-to-Date 20071130 4 Short Payoff Date 20090522 5 Note Interest rate 0.08500 6 Occupancy Owner If owner occupied: 7 Household current annual income 45000 8 Estimated NPV of loan mod 220000 9 Valuation Date 20090121 10 Valuation Amount 300000 11 Valuation Type (Interior/exterior appraisal, BPO, AVM, etc) Ext Appraisal 13 Book Value 300000 14 Less: Post closing principal payments 0 17 Accrued interest, limited to 90 days 6375 18 Attorney’s fees 75 19 Foreclosure costs, including title search, filing fees, advertising, etc. 0 20 Property protection costs, maint., repairs and any costs or expenses relating to environmental conditions 0 21 Tax and insurance advances 0 Other Advances 22 Appraisal/Broker’s Price Opinion fees 250 23 Inspections 600 24 Other 0 25 Incentive to borrower 5000 Gross balance recoverable by Purchaser 312300 26 Amount accepted in Short-Sale (net proceeds) 275000 27 Hazard Insurance 0 28 Mortgage Insurance 0 29 T & I escrow account balance, if positive 0 30 Other credits, if any (itemize) 0 Total Cash Recovery 275000 (1) Costs with respect to environmental remediation activities are limited to $200,000 unless prior consent of the FDIC