Exhibit 2b Sample Clauses

Exhibit 2b. This exhibit contains the loss share calculation for restructuring (loan mod), plus explanatory notes. 1 Shared-Loss Month May-09 2 Loan no: 123456 3 Original loan amount 500,000 4 Current unpaid principal balance 450,000 5 Remaining term 298 6 Interest rate 7.500 % 7 Interest Paid-To-Date 2/29/08 8 Monthly payment - P&I 3,333 9 Monthly payment - T&I 1,000 10 Total monthly payment 4,333 11 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) Option ARM 12 Borrower current annual income 82,000 13 Closing date on modified/restructured loan 4/19/09 14 New Principal balance 461,438 15 Remaining term 313 16 Interest rate 3.500 % 17 Monthly payment - P&I 1,346 18 Monthly payment - T&I 800 19 Total monthly payment 2,146 20 Loan type (fixed-rate, ARM, I/O, Option ARM, etc.) IO Hybrid ▇▇ ▇▇▇▇ ▇▇▇▇ (▇▇▇, ▇▇▇) ▇▇▇ If adjustable: 22 Initial interest rate 3.500 % 23 Term - initial interest rate 60 Months 24 Initial payment amount 2,146 25 Term-initial payment amount 60 Months 26 Negative amortization? No 27 Rate reset frequency after first adjustment 6 Months 28 Next reset date 5/1/14 29 Index LIBOR 30 Margin 2.750 % 31 Cap per adjustment 2.000 % 32 Lifetime Cap 9.500 % 33 Floor 2.750 % 34 Front end DTI 31 % 35 Back end DTI 45 % 36 Loan Principal balance before restructuring 450,000 37 Accrued interest, limited to 90 days 8,438 38 Tax and insurance advances 3,000 39 3rd party fees due — 40 Total loan balance due before restructuring 461,438 41 Discount rate for projected cash flows 5.530 % 42 Loan prepayment in full 120 Months 43 NPV of projected cash flows 403,000 44 Loss Amount 58,438