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

Terms of Modified/Restructured Loan. Closing date on modified/restructured loan New Principal balance Remaining term Interest rate Monthly payment - P&I Monthly payment - T&I Total monthly payment Loan type (Fixed-rate, ARM, I/O, Option ARM, negative amortization features, etc.) Lien type (1st, 2nd) If adjustable: Initial interest rate Term - initial interest rate Initial payment amount Negative amortization? [Yes/No] Rate reset frequency after first adjustment Next reset date Index Margin Cap per adjustment Lifetime Cap Floor Loan Principal balance before restructuring xx Accrued interest, limited to 90 days xx (1) Tax and insurance advances xx 3rd party fees due xx Total loan balance due before restructuring XX XX (A) Assumptions for NPV Calculation, Restructured Loan: Discount rate for projected cash flows xx% (2) Loan prepayment in full 120 months NPV of projected cash flows (3) XX XX (B) Loss Amount XX (A) - (B) Times 80% (Receiver Loss Share percentage) 80% Amount due Assuming Bank for Receiver Loss Share Amount XX

Terms of Modified/Restructured Loan. Closing date on modified/restructured loan New Principal balance Remaining term Interest rate Monthly payment - P&I Monthly payment - — T&I Total monthly payment monthlypayment Loan type (Fixed-rate, ARM, I/O, Option ARM, negative amortization features, etc.) Lien type (1st, 2nd) If adjustable: Initial interest rate Term - initial interest rate Initial payment amount Term - initial payment amount Negative amortization? [Yes/No] Rate reset frequency after first adjustment Next reset date Index Margin Cap per adjustment Lifetime Cap Floor Loan Principal balance before restructuring xx Accrued interest, limited to 90 days xx (1) Tax and insurance advances xx 3rd party fees due xx Total loan balance due before restructuring XX XX (A) Assumptions for NPV Calculation, Restructured Loan: Discount rate for projected cash flows xx% xx % (2) Loan prepayment in full 120 months NPV of projected cash flows (3) XX XX (B) Loss Amount XX (A) - (B) Times 80% (or 95% if Stated Threshold met) (Receiver Loss Share percentage) 8080 % Amount due Assuming Bank for Receiver Loss Share Amount XX

Terms of Modified/Restructured Loan. Closing date on modified/restructured loan New Principal balance Remaining term Interest rate Monthly payment - P&I Monthly payment - T&I Total monthly payment Loan type (Fixed-rate, ARM, I/O, Option ARM, negative amortization features, etc.) Lien type (1st, 2nd) If adjustable: Initial interest rate Term - initial interest rate Initial payment amount Term - initial payment amount Whole Bank P&A w/Loss Sharing 69 Suburban Federal Savings Bank January 30, 2009 Crofton, MD Negative amortization? [Yes/No] Rate reset frequency after first adjustment Next reset date Index Margin Cap per adjustment Lifetime Cap Floor Loan Principal balance before restructuring xx Accrued interest, limited to 90 days xx (1) Tax and insurance advances xx 3rd party fees due xx Total loan balance due before restructuring XX XX (A) Assumptions for NPV Calculation, Restructured Loan: Discount rate for projected cash flows xx% (2) Loan prepayment in full 120 months NPV of projected cash flows (3) XX XX (B) Loss Amount XX (A) - (B) Times 80% (Receiver Loss Share percentage) 80% Amount due Assuming Bank for Receiver Loss Share Amount XX

Terms of Modified/Restructured Loan. Closing date on modified/restructured loan New Principal balance Remaining term Interest rate Monthly payment - P&I Monthly payment - T&I Total monthly payment Loan type (Fixed-rate, ARM, I/O, Option ARM, negative amortization features, etc.) Lien type (1st, 2nd) If adjustable: Initial interest rate Term - initial interest rate Initial payment amount Term - initial payment amount Negative amortization? [Yes/No] Rate reset frequency after first adjustment Next reset date Index Margin Cap per adjustment Lifetime Cap Floor Loan Principal balance before restructuring xx Accrued interest, limited to 90 days xx (1) Tax and insurance advances xx 3rd party fees due xx Total loan balance due before restructuring XX XX (A) Assumptions for NPV Calculation, Restructured Loan: Discount rate for projected cash flows xx% (2) Loan prepayment in full 120 months NPV of projected cash flows (3) XX XX (B) Loss Amount XX (A) - (B) Times 80% (Receiver Loss Share percentage) 80% Amount due Assuming Bank for Receiver Loss Share Amount XX

Terms of Modified/Restructured Loan. Closing date on modified/restructured loan New Principal balance Remaining term Interest rate Monthly payment - P&I Monthly payment - T&I Total monthly payment Loan type (Fixed-rate, ARM, I/O, Option ARM, negative amortization features, etc.) Lien type (1st, 2nd) If adjustable: Initial interest rate Term - initial interest rate Initial payment amount Term - initial payment amount Negative amortization? [Yes/No] Rate reset frequency after first adjustment Next reset date Index Margin Cap per adjustment Lifetime Cap Floor Loan Principal balance before restructuring xx Accrued interest, limited to 90 days xx (1) Tax and insurance advances xx 3rd party fees due xx Total loan balance due before restructuring XX XX (A) Assumptions for NPV Calculation, Restructured Loan: Discount rate for projected cash flows xx% (2) Loan prepayment in full 120 months NPV of projected cash flows (3) XX XX (B) Loss Amount XX (A) - – (B) Times 80% (or 95% if Stated Threshold met) (Receiver Loss Share percentage) 80% Amount due Assuming Bank for Receiver Loss Share Amount XX

Terms of Modified/Restructured Loan. Closing date on modified/restructured loan New Principal balance Remaining term Interest rate Monthly payment - — P&I Monthly payment - — T&I Total monthly payment Loan type (Fixed-rate, ARM, I/O, Option ARM, negative amortization features, etc.) Lien type (1st, 2nd) If adjustable: Initial interest rate Term - — initial interest rate Initial payment amount Term — initial payment amount Whole Bank P&A w/Loss Sharing COUNTY BANK 6 February 2009 MERCED, CA Negative amortization? [Yes/No] Rate reset frequency after first adjustment Next reset date Index Margin Cap per adjustment Lifetime Cap Floor Loan Principal balance before restructuring xx Accrued interest, limited to 90 days xx (1) Tax and insurance advances xx 3rd party fees due xx Total loan balance due before restructuring XX XX (A) Assumptions for NPV Calculation, Restructured Loan: ® Discount rate for projected cash flows xx% (2) Loan prepayment in full 120 months NPV of projected cash flows (3) XX XX (B) Loss Amount XX (A) - (B) Times 80% (Receiver Loss Share percentage) 8080 % Amount due Assuming Bank for Receiver Loss Share Amount XX

Terms of Modified/Restructured Loan. Closing date on modified/restructured loan New Principal balance Remaining term Interest rate Monthly payment - — P&I Monthly payment - — T&I Total monthly payment Loan type (Fixed-rate, ARM, I/O, Option ARM, negative amortization features, etc.) Lien type (1st, 2nd) If adjustable: Initial interest rate Term - — initial interest rate Initial payment amount Term — initial payment amount Whole Bank P&A w/Loss Sharing 69 Suburban Federal Savings Bank January 30, 2009 Crofton, MD Negative amortization? [Yes/No] Rate reset frequency after first adjustment Next reset date Index Margin Cap per adjustment Lifetime Cap Floor Loan Principal balance before restructuring xx Accrued interest, limited to 90 days xx (1) Tax and insurance advances xx 3rd party fees due xx Total loan balance due before restructuring XX XX (A) Assumptions for NPV Calculation, Restructured Loan: Discount rate for projected cash flows xx% xx %(2) Loan prepayment in full 120 months NPV of projected cash flows (3) XX XX (B) Loss Amount XX (A) - — (B) Times 80% (Receiver Loss Share percentage) 8080 % Amount due Assuming Bank for Receiver Loss Share Amount XX