Common use of Terms of Modified/Restructured Loan Clause in Contracts

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 Foreclosure costs, including title search, filing fees, 36 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.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 20090501 Net Unpaid Principal Balance balance (net of forbearance & principal 18 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 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 same as Unpaid Principal Balance before 4 above restructuring/Restructuring Loss Calculation 32 Previous NPV of loan modification 450000 34 Accrued interest, limited to 90 days 7313 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney's fees 0 Foreclosure costs, including title search, filing fees, 36 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 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 73485 72413 Line item definitions can be found in SFR Data Submission Handbook.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 ’s 0 Foreclosure feFeosreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections feesInspections 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.. Exhibit 2a(2)

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 20090501 Net Unpaid Principal Balance balance (net of forbearance & principal 18 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 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 same as Unpaid Principal Balance before 4 above restructuring/32 Previous NPV of loan modification 450000 34 Accrued interest, limited to 90 days 7313 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney's fees ’s 0 Foreclosure feFeosreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections feesInspections 0 41 Other 0 Total loan balance due before restructuring 460413 459340 Cash Recoveries: 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.72413

Terms of Modified/Restructured Loan. AVM 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 Foreclosure costs, including title search, filing fees, 36 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 Other Advances 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.

Terms of Modified/Restructured Loan. AVM 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 Net Unpaid Principal Balance balance (net of forbearance & principal 18 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 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 same as Unpaid Principal Balance before 4 above restructuring/32 Previous NPV of loan modification 450000 34 Accrued interest, limited to 90 days 7313 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney's fees 0 Foreclosure costs, including title search, filing fees, 36 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 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 73485 72413 Line item definitions can be found in SFR Data Submission Handbook.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 20090501 Net Unpaid Principal Balance balance (net of forbearance & principal 18 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 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 same as Unpaid Principal Balance before 4 above restructuring/Restructuring Loss Calculation 32 Previous NPV of loan modification 450000 34 Accrued interest, limited to 90 days 7313 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney's fees 0 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/BrokerXxxxxx's Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 460413 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 73485 72413 Line item definitions can be found in SFR Data Submission Handbook.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/BrokerXxxxxx'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.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 ’s 0 Foreclosure feFeosreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections feesInspections 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.. Exhibit 2a(2)

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & 18 principal reduction) 467188 403147 19 Principal forbearance 0 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 0.02000 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 1221 27 Monthly payment - T&I 1000 200 Total monthly payment 2454 1421 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 4 above Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney's Attorneys’ fees 0 36 Foreclosure costs, including title search, filing fees, 36 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 Gross balance due before restructuring recoverable by Assuming Institution 460413 52 MI Claim Date 20090119 53 MI Claim Amount 370000 54 MI Response Date 20090519 42 MI contribution Contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive 0 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 schd1schd2) 386927 364556 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook95856 Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 20090501 Net Unpaid Principal Balance balance (net of forbearance & principal 18 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 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 same as Unpaid Principal Balance before 4 above restructuring/Restructuring Loss Calculation 32 Previous NPV of loan modification 450000 34 Accrued interest, limited to 90 days 7313 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney's fees ’s 0 Foreclosure feFeosreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections feesInspections 0 41 Other 0 Total loan balance due before restructuring 460413 459340 Cash Recoveries: 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 72413 Line item definitions can be found in SFR Data Submission Handbook.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & 18 principal reduction) 467188 403147 19 Principal forbearance 0 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 0.02000 25 Next Payment due date 20090601 26 Monthly payment - — P&I 1454 1221 27 Monthly payment - — T&I 1000 200 Total monthly payment 2454 1421 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 above Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney's Attorneys’ fees 0 36 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan Gross balance due before restructuring recoverable by Assuming Institution 460413 52 MI Claim Date 20090119 53 MI Claim Amount 370000 54 MI Response Date 20090519 42 MI contribution Contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive 0 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 schd1schd2) 386927 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook.364556

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 20090501 18 Net Unpaid Principal Balance balance (net of forbearance & 18 principal reduction) 467188 403147 19 Principal forbearance 0 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 20490501 24 Interest rate 0.02159 0.02000 25 Next Payment due date 20090601 26 Monthly payment - — P&I 1454 1221 27 Monthly payment - — T&I 1000 200 Total monthly payment 2454 1421 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/32 Previous NPV of loan modification 450000 34 Accrued interest, limited to 90 days 7313 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney's Attorneys’ fees 0 36 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan Gross balance due before restructuring 460413 recoverable by Assuming Institution 459340 52 MI Claim Date 20090119 53 MI Claim Amount 0 54 MI Response Date 20090519 42 MI contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive 0 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 schd1schd3) 386927 364556 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook94784 Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & 18 principal reduction) 467188 403147 19 Principal forbearance 0 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 0.02000 25 Next Payment due date 20090601 26 Monthly payment - — P&I 1454 1221 27 Monthly payment - — T&I 1000 200 Total monthly payment 2454 1421 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 51 Net Book Value Less Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 Payments 372500 35 Attorney's Attorneys’ fees 0 36 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan Gross balance due before restructuring 460413 recoverable by Assuming Institution 375600 Cash Recoveries: 52 MI Claim Date 20090119 53 MI Claim Amount 252000 54 MI Response Date 20090519 42 MI contribution Contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive 0 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.364556

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 20090501 Net Unpaid Principal Balance balance (net of forbearance & principal 18 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 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 same as Unpaid Principal Balance before 4 above restructuring/33 Less: Post modification 450000 34 Accrued interest, limited to 90 days 7313 principal payments 2500 Plus: 35 Attorney's fees 0 Foreclosure costs, including title search, filing fees, 36 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 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 73485 72413 Line item definitions can be found in SFR Data Submission Handbook.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 20090501 Net Unpaid Principal Balance balance (net of forbearance & principal 18 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 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 same as Unpaid Principal Balance before 4 above restructuring/32 Previous NPV of loan modification 450000 34 Accrued interest, limited to 90 days 7313 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney's ’s fees 0 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan balance due before restructuring 460413 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 73485 72413 Line item definitions can be found in SFR Data Submission Handbook.. Module 1 – Whole Bank w/ Loss Share – P&A Horizon Bank Version 2.09A Bradenton, Florida August 17, 2010 100

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 ’s fees 0 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’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.. Module 1 – Whole Bank w/ Loss Share – P&A Horizon Bank Version 2.09A Bradenton, Florida August 17, 2010 99

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & 18 principal reduction) 467188 403147 19 Principal forbearance 0 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 0.02000 25 Next Payment due date 20090601 26 Monthly payment - — P&I 1454 1221 27 Monthly payment - — T&I 1000 200 Total monthly payment 2454 1421 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 4 above Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney's Attorneys’ fees 0 36 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan Gross balance due before restructuring recoverable by Assuming Institution 460413 52 MI Claim Date 20090119 53 MI Claim Amount 370000 54 MI Response Date 20090519 42 MI contribution Contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive 0 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 schd1schd2) 386927 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook.364556

Terms of Modified/Restructured Loan. AVM 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 Foreclosure ’s feFeosreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections feesInspections 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.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & 18 principal reduction) 467188 403147 19 Principal forbearance 0 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 0.02000 25 Next Payment due date 20090601 26 Monthly payment - — P&I 1454 1221 27 Monthly payment - — T&I 1000 200 Total monthly payment 2454 1421 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 51 Net Book Value Less Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 Payments 372500 35 Attorney's Attorneys’ fees 0 36 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan Gross balance due before restructuring 460413 recoverable by Assuming Institution 375600 52 MI Claim Date 20090119 53 MI Claim Amount 252000 54 MI Response Date 20090519 42 MI contribution Contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive 0 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.364556

Terms of Modified/Restructured Loan. AVM 16 1st Trial Payment Due Date 20090119 20090201 17 Modification Effective Date 20090419 Net Unpaid Principal Balance balance (net of forbearance & principal 18 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 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 same as Unpaid Principal Balance before 4 above restructuring/32 Previous NPV of loan modification 450000 34 Accrued interest, limited to 90 days 7313 458740 33 Less: Post modification principal payments 2500 Plus: 35 Attorney's fees 0 Foreclosure ’s feFeosreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections feesInspections 0 41 Other 0 Total loan balance due before restructuring 460413 459340 Cash Recoveries: 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 72413 Line item definitions can be found in SFR Data Submission Handbook.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 ’s 0 Foreclosure feFeosreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections feesInspections 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.

Terms of Modified/Restructured Loan. 16 1st 161st Trial Payment Due Date 20090119 17 Modification 17Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 principal 18principal reduction) 467188 19 Principal forbearance 0 20 Principal reduction 0 21 Product 21Product (fixed or step) step 22 Remaining 22Remaining amortization term 480 23 Maturity 23Maturity date 20490119 24 Interest 24Interest rate 0.02159 25 Next 25Next Payment due date 20090601 26 Monthly 26Monthly payment - P&I 1454 27 Monthly 27Monthly payment - T&I 1000 Total monthly payment 2454 28 Next 28Next reset date 20140501 29 Interest 29Interest rate change per adjustment 0.01000 30 Lifetime 30Lifetime interest rate cap 0.05530 31 Back 31Back end DTI 0.45000 same as Unpaid aUsnpaid Principal Balance before 4 above restructuringabovreestructuring/modification 450000 34 Accrued 34Accrued interest, limited to 90 days 7313 35 Attorney's fees 0 Foreclosure costs, including title search, filing fees, 36 advertising36faedevse,rtising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and 38Treapxaairnsd 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 Cash Recoveries: 43Other credits 0 44 44T & I escrow account balances, if positive Total Cash Recovery 0 45 Discount 45Discount rate for projected cash flows 0.05530 46 Loan 46Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd1schd13) 386927 48 Gain86927 48Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook.

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 Net Unpaid Principal Balance (net of forbearance & 18 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 Restructuring Loss Calculation same as Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney's fees 0 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's AppraisaVBrokers 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 W 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 schd1schdl) 386927 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook.73485

Terms of Modified/Restructured Loan. 16 1st Trial Payment Due Date 20090119 17 Modification Effective Date 20090419 18 Net Unpaid Principal Balance (net of forbearance & 18 principal reduction) 467188 403147 19 Principal forbearance 0 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02159 0.02000 25 Next Payment due date 20090601 26 Monthly payment - P&I 1454 1221 27 Monthly payment - T&I 1000 200 Total monthly payment 2454 1421 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 4 above Unpaid Principal Balance before 4 above restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorney's Attorneys’ fees 0 36 Foreclosure costs, including title search, filing fees, 36 advertising, etc. 500 37 Property protection costs, maint. and repairs 0 38 Tax and insurance advances 2500 Other Advances 39 Appraisal/Broker's ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Total loan Gross balance due before restructuring recoverable by Assuming Institution 460413 52 MI Claim Date 20090119 53 MI Claim Amount 370000 54 MI Response Date 20090519 42 MI contribution Contribution 0 43 Other credits 0 44 T & I escrow account balances, if positive 0 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 schd1schd2) 386927 364556 48 Gain/Loss Amount 73485 Line item definitions can be found in SFR Data Submission Handbook.95856