Common use of NOTE Clause in Contracts

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – - Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – - F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + D+ E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – - F) $ 1,600 Proof Calculation (2) $ 200,000 G Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,6001,600 E D + E F G

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – — H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + D+ E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – — H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – - Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – - F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,6001,600 Whole Bank P&A w/Loss Sharing 72 Suburban Federal Savings Bank January 30, 2009 Crofton, MD

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - – step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - – step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring NPV, $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution (C – — F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – — H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 1,6001,600 Module 1 — Whole Bank w/ Optional Shared Loss Agreements XXXXXX COMMUNITY BANK Version 3.01 — Single Family Shared-Loss Agreement BROOKSVILLE, FLORIDA December 8, 2010

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring NPV, $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution $ 1,600 (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 1,6001,600 Module 1 — Whole Bank w/ Optional Shared Loss Agreements Coastal Bank Version 3.01 — Single family Shared-Loss Agreement Cocoa Beach, FL December 8, 2010

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + D+ E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – — H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan theloan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - – step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - – step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + D+ E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – — H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – - Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – - F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,6001,600 Module 1 – Whole Bank w/ Loss Share – P&A Version 1.03 March 31, 2009 70 XXXX XXXX XXXX XXXXXXXXX, XX

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ $200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ $35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ $28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ $190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E 110 Times FDIC loss share % 80% Recovery due to FDIC $ $26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ $200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal $ A balance before restructuring $ 200,000 A NPV, restructured B loan 165,000 B Loss on restructured loan $ A 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ C 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS restructuring Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E D Times FDIC loss share % 80% Recovery due to FDIC 26,400 $ 26,400 F Net loss share $ paid to purchaser (C – F) $ 1,600 Proof Calculation (2) balance Loan principal balance $ G 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 loan Total collections on loan H 198,000 H Net loss on loan $ G 2,000 G – H Times FDIC applicable loss share % (80% or 80% 95%) 80% Loss share $ payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1restructuring(1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2Calculation(2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Restructured Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 165.000 B Loss on restructured loan $ 35,000 A – A-B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 165.000 Gain - step 1 25,000 25.000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 200.000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – G-H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – - Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 165.000 Gain - — step 1 25,000 D 25.000 PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E 8 000 Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution $ 1,600 (C – - F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H 198.000 Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ $200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ $35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ Assuming Institution $28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ $190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ $26,400 F Net loss share paid to purchaser Assuming Institution (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ $200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser Assuming Institution $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,6001,600 Whole Bank P&A w/Loss Sharing COUNTY BANK 6 February 2009 MERCED, CA

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + D+ E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming $ 28,000 C Institution Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + D+ E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution $ 1,600 (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming $ 1,6001,600 Institution THE BANK OF ASHEVILLE ASHEVILLE, NORTH CAROLINA

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation Loan principal balance (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming $ 28,000 C Institution Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - – step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - – step 2 (principal collections after 8,000 E restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution $ 1,600 (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming $ 1,6001,600 Institution

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ $200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ $190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ $26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ $200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D 100 PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – -- H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,6001,600 101

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – –B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – –H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Module 1 – Whole Bank w/ Loss Share – P&A Horizon Bank Version 2.09A Bradenton, Florida August 17, 2010 112 Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Restructurinq Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – A-B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – G-H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - – step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - – step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E D+E Module 1 — Whole Bank w/ Loss Share — P&A Wakulla Bank Version 2.09A Crawfordville, Florida October 1, 2010 107 Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – — H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ $1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – - Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser Assuming Institution $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after 8,000 E restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser Assuming Institution $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – — H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E 126 Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – — B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (11 ) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – — F) $ 1,600 Proof Calculation (22 ) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – — H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % share% (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80share% 80 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % share% (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution (C – — F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 1,6001,600 SF-60

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 80% Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 80% Loss share payment to purchaser $ 1,600%

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – - B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – — Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - — step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - — step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – - F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – - H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,6001,600 Whole Bank P&A w/Loss Sharing 72 Suburban Federal Savings Bank January 30, 2009 Crofton, MD

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming Institution $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser Assuming Institution $ 1,600 (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser Assuming $ 1,6001,600 Institution

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E D+E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600

NOTE. The calculation of recovery on a loan for which a Restructuring Loss has been paid will only apply if the loan is sold. EXAMPLE CALCULATION Restructuring Loss Information Loan principal balance before restructuring $ 200,000 A NPV, restructured loan 165,000 B Loss on restructured loan $ 35,000 A – B Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 28,000 C Calculation – - Recovery amount due to Receiver Loan sales price $ 190,000 NPV of restructured loan at mod date 165,000 Gain - step 1 25,000 D PLUS Loan UPB after restructuring (1) 200,000 Loan UPB at liquidation date 192,000 Gain - step 2 (principal collections after restructuring) 8,000 E Recovery amount 33,000 D + E Times FDIC loss share % 8080 % Recovery due to FDIC $ 26,400 F Net loss share paid to purchaser (C – - F) $ 1,600 Proof Calculation (2) Loan principal balance $ 200,000 G Principal collections on loan 8,000 Sales price for loan 190,000 Total collections on loan 198,000 H Net loss on loan $ 2,000 G – H Times FDIC applicable loss share % (80% or 95%) 8080 % Loss share payment to purchaser $ 1,600