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 18 Net Unpaid Principal Balance (net of forbearance & principal reduction) 403147 19 Principal forbearance 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02000 25 Next Payment due date 20090601 26 Monthly payment - P&I 1221 27 Monthly payment - T&I 200 Total monthly payment 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 SF-36 Restructuring Loss Calculation same as 4 above Unpaid Principal Balance before restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorneys’ 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 Gross balance recoverable by Assuming Institution 460413 Cash Recoveries: 52 MI Claim Date 20090119 53 MI Claim Amount 370000 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 Assumptions for Calculating Loss Share Amount, Restructured Loan: 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd2) 364556 48 Loss Amount 95856 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. EXHIBIT 2a(3)

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 & principal reduction) 403147 19 Principal forbearance 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02000 25 Next Payment due date 20090601 26 Monthly payment - P&I 1221 27 Monthly payment - T&I 200 Total monthly payment 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 SF-36 SF-34 Restructuring Loss Calculation same as 4 above Unpaid 50-51 Net Book Value Less Principal Balance before restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 Payments 372500 35 Attorneys’ 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 Gross balance recoverable by Assuming Institution 460413 375600 Cash Recoveries: 52 MI Claim Date 20090119 53 MI Claim Amount 370000 252000 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 Assumptions for Calculating Loss Share Amount, Restructured Loan: 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd2schd1) 364556 48 Loss Amount 95856 11044 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. SF-35 EXHIBIT 2a(3)2a(2) CALCULATION OF RESTRUCTURING LOSS HAMP OR FDIC LOAN MODIFICATION (No Preceding Loan Restructure Under Loss Share) Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month 20090531 2 Loan no: 123456 3 Modification Program: HAMP Loan before Restructuring 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 20091230 9 Delinquency Status F 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 200 Total monthly payment 3247 12 Household current annual income 55000 13 Valuation Date 20100901

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 & principal reduction) 403147 19 Principal forbearance 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02000 25 Next Payment due date 20090601 26 Monthly payment - P&I 1221 27 Monthly payment - T&I 200 Total monthly payment 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 SF-36 Restructuring Loss Calculation same as 4 above Unpaid 50-51 Net Book Value Less Principal Balance before restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorneys’ fees 0 Payments 372500 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 ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Gross balance recoverable by Assuming Institution 460413 375600 Cash Recoveries: 52 MI Claim Date 20090119 53 MI Claim Amount 370000 252000 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 Assumptions for Calculating Loss Share Amount, Restructured Loan: 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd2schd1) 364556 48 Loss Amount 95856 11044 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. EXHIBIT 2a(3)2a(2) CALCULATION OF RESTRUCTURING LOSS HAMP OR FDIC LOAN MODIFICATION (No Preceding Loan Restructure Under Loss Share) Note: This is an example only and not representative of any transaction.

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 & principal reduction) 403147 19 Principal forbearance 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02000 25 Next Payment due date 20090601 26 Monthly payment - — P&I 1221 27 Monthly payment - — T&I 200 Total monthly payment 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 SF-36 SF-34 Restructuring Loss Calculation same as 4 above Unpaid 50- 51 Net Book Value Less Principal Balance before restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 Payments 372500 35 Attorneys’ 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 ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Gross balance recoverable by Assuming Institution 460413 375600 Cash Recoveries: 52 MI Claim Date 20090119 53 MI Claim Amount 370000 252000 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 Assumptions for Calculating Loss Share Amount, Restructured Loan: 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd2schd1) 364556 48 Loss Amount 95856 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. EXHIBIT 2a(3)364556

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 & principal reduction) 403147 19 Principal forbearance 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02000 25 Next Payment due date 20090601 26 Monthly payment - P&I 1221 27 Monthly payment - T&I 200 Total monthly payment 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 SF-36 Module 1 – Whole Bank w/ Optional Shared Loss Agreements XX-00 Xxxxxxx Xxxxxxx Xxxxx Bank Version 3.3.1 – SINGLE FAMILY SHARED-LOSS AGREEMENT Belleview, Florida December 7, 2011 Restructuring Loss Calculation same as 4 above Unpaid 50-51 Net Book Value Less Principal Balance before restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 Payments 372500 35 Attorneys’ 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 ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Gross balance recoverable by Assuming Institution 460413 375600 Cash Recoveries: 52 MI Claim Date 20090119 53 MI Claim Amount 370000 252000 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 Assumptions for Calculating Loss Share Amount, Restructured Loan: 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd2schd1) 364556 48 Loss Amount 95856 11044 Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 – Whole Bank w/ Optional Shared Loss Agreements XX-00 Xxxxxxx Xxxxxxx Xxxxx Bank Version 3.3.1 – SINGLE FAMILY SHARED-LOSS AGREEMENT Belleview, Florida December 7, 2011 EXHIBIT 2a(3)2a(2) CALCULATION OF RESTRUCTURING LOSS HAMP OR FDIC LOAN MODIFICATION (No Preceding Loan Restructure Under Loss Share) Note: This is an example only and not representative of any transaction. 1 Shared-Loss Month 20090531 2 Loan no: 123456 3 Modification Program: HAMP Loan before Restructuring 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 20091230 9 Delinquency Status F 10 Monthly payment - P&I 3047 11 Monthly payment - T&I 200 Total monthly payment 3247 12 Household current annual income 55000 13 Valuation Date 20100901

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 & principal reduction) 403147 19 Principal forbearance 60040 20 Principal reduction 0 21 Product (fixed or step) step 22 Remaining amortization term 480 23 Maturity date 20490119 24 Interest rate 0.02000 25 Next Payment due date 20090601 26 Monthly payment - P&I 1221 27 Monthly payment - T&I 200 Total monthly payment 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 SF-36 Restructuring Loss Calculation Module 1 – Whole Bank w/ Optional Shared Loss Agreements XX-00 Xxxxxxx Xxxxxxx Xxxxx Bank Version 3.3.1 – SINGLE FAMILY SHARED-LOSS AGREEMENT Belleview, Florida December 7, 2011 same as 4 above Unpaid Principal Balance before restructuring/modification 450000 34 Accrued interest, limited to 90 days 7313 35 Attorneys’ 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 ’s Price Opinion fees 100 40 Inspections 0 41 Other 0 Gross balance recoverable by Assuming Institution 460413 Cash Recoveries: 52 MI Claim Date 20090119 53 MI Claim Amount 370000 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 Assumptions for Calculating Loss Share Amount, Restructured Loan: 45 Discount rate for projected cash flows 0.05530 46 Loan prepayment in full 120 47 NPV of projected cash flows (see amort schd2) 364556 48 Loss Amount 95856 Note: If the calculated Loss Amount is negative, meaning loss event proceeds are greater than the gross balance recoverable by the Assuming Institution, the claim is considered a recovery and reduces the total reported loss claim amount prior to applying the Applicable Percentage. If the total amount of the Certificate loss claim is negative, the payment amount due the FDIC is calculated by applying the Applicable Percentage. Module 1 – Whole Bank w/ Optional Shared Loss Agreements XX-00 Xxxxxxx Xxxxxxx Xxxxx Bank Version 3.3.1 – SINGLE FAMILY SHARED-LOSS AGREEMENT Belleview, Florida December 7, 2011 EXHIBIT 2a(3)