-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, GZ8lW92LXg3C1S10zsDBIG7S0UOLuMGkhXQ2bPpDbroYXvnpB1y05Pj24RdRpN7q U9YNb3Nvn/eflqr8V7W3sw== 0001068238-00-000165.txt : 20000412 0001068238-00-000165.hdr.sgml : 20000412 ACCESSION NUMBER: 0001068238-00-000165 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 6 CONFORMED PERIOD OF REPORT: 20000330 ITEM INFORMATION: FILED AS OF DATE: 20000411 FILER: COMPANY DATA: COMPANY CONFORMED NAME: RESIDENTIAL ASSET MORTGAGE PRODUCTS INC CENTRAL INDEX KEY: 0001099391 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 411955181 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: SEC FILE NUMBER: 333-91561 FILM NUMBER: 598462 BUSINESS ADDRESS: STREET 1: 8400 NORMANDALE LAKE BLVD STREET 2: SUITE 600 CITY: BLOOMINGTON STATE: MN ZIP: 55437 BUSINESS PHONE: 6128327000 MAIL ADDRESS: STREET 1: 8400 NORMANDALE LAKE BLVD SUITE 600 CITY: BLOOMINGTON STATE: MN ZIP: 55437 8-K 1 FORM 8-K _________________________________________________________________ SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest Event Reported): March 30, 2000 RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. (as depositor under a Trust Agreement, dated as of March 30, 2000, and pursuant to which an Indenture was entered into, providing for, inter alia, the issuance of GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1) RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. (Exact name of registrant as specified in its charter) Delaware 333-91561 41-1955181 - --------------------- ----------- ------------ (State or Other Jurisdiction (Commission (I.R.S. Employer of Incorporation) File Number) Identification No.) 8400 Normandale Lake Boulevard, Suite 600, Minneapolis, MN 55437 ------------------------------------------------------------------ (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code (612) 832-7000 (Former name or former address, if changed since last report) Exhibit Index located on Page 4 _________________________________________________________________ Items 1 through 6 and Item 8 are not included because they are not applicable. Item 7. Financial Statements, Pro Forma Financial Information and Exhibits. (a) Not applicable. (b) Not applicable. (c) Exhibits: 4.1 Servicing Agreement dated as of March 30, 2000 the GMACM Home Loan Trust 2000-HLTV1, as issuer, and The Bank of New York, as indenture trustee. 4.2 Trust Agreement dated as of March 30, 2000 between Residential Asset Mortgage Products, Inc., as depositor, and Wilmington Trust Company, as owner trustee. 4.3 Indenture dated as of March 30, 2000 between the GMACM Home Loan Trust 2000-HLTV1, as issuer, and The Bank of New York, as indenture trustee. 10.1 Home Loan Purchase Agreement dated as of March 30, 2000 among GMAC Mortgage Corporation, as seller, Residential Asset Mortgage Products, Inc., as purchaser, GMACM Home Loan Trust 2000-HLTV1, as issuer, and The Bank of New York, as indenture trustee. 10.2 Certificate Guaranty Insurance Policy, together with the Endorsement, issued by Ambac Assurance Corporation relating to GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. By: /s/ Patricia C. Taylor ---------------------- Patricia C. Taylor Vice President Dated: April 11, 2000 Exhibit Index Exhibit Number Description 4.1 Servicing Agreement dated as of March 30, 2000 among GMAC Mortgage Corporation, as servicer, the GMACM Home Loan Trust 2000-HLTV1, as issuer, and The Bank of New York, as indenture trustee. 4.2 Trust Agreement dated as of March 30, 2000 between Residential Asset Mortgage Products, Inc., as depositor, and Wilmington Trust Company, as owner trustee. 4.3 Indenture dated as of March 30, 2000 between the GMACM Home Loan Trust 2000-HLTV1, as issuer, and The Bank of New York, as indenture trustee. 10.1 Home Loan Purchase Agreement dated as of March 30, 2000 among GMAC Mortgage Corporation, as seller, Residential Asset Mortgage Products, Inc., as purchaser, GMACM Home Loan Trust 2000-HLTV1, as issuer, and The Bank of New York, as indenture trustee. 10.2 Certificate Guaranty Insurance Policy, together with the Endorsement, issued by Ambac Assurance Corporation relating to GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1. EX-1 2 SERVICING AGREEMENT EXHIBIT 4.1 EXECUTION COPY =================================================================== GMAC MORTGAGE CORPORATION as Servicer, GMACM HOME LOAN TRUST 2000-HLTV1, as Issuer and THE BANK OF NEW YORK as Indenture Trustee _________________________ SERVICING AGREEMENT Dated as of March 30, 2000 _________________________ =================================================================== This Servicing Agreement, dated as of March 30, 2000 (the "Agreement"), is among GMAC Mortgage Corporation, as servicer (the "Servicer"), the GMACM Home Loan Trust 2000-HLTV1, as issuer (the "Issuer"), and The Bank of New York, as indenture trustee (the "Indenture Trustee"). WITNESSETH: WHEREAS, pursuant to the terms of the Purchase Agreement (as defined herein), GMAC Mortgage Corporation, as seller (in such capacity, the "Seller"), will sell to Residential Asset Mortgage Products, Inc. ("RAMP"), as purchaser (in such capacity, the "Purchaser"), the Initial Home Loans on the Closing Date, and may sell Subsequent Home Loans on one or more Subsequent Transfer Dates, in each case together with the Related Documents on the Closing Date and any Subsequent Transfer Date; WHEREAS, RAMP, as depositor (in such capacity, the "Depositor"), will sell the Initial Home Loans and assign all of its rights under the Purchase Agreement to the Issuer, together with the Related Documents on the Closing Date; WHEREAS, pursuant to the terms of the Trust Agreement, the Issuer will issue the Certificates; WHEREAS, pursuant to the terms of the Indenture, the Issuer will issue the Notes; and WHEREAS, pursuant to the terms of this Agreement, the Servicer will service the Home Loans directly or through one or more Subservicers. NOW, THEREFORE, in consideration of the mutual covenants herein contained, the parties hereto agree as follows: ARTICLE I Definitions Section 1.01 Definitions. For all purposes of this Agreement, except as otherwise expressly provided herein or unless the context otherwise requires, capitalized terms not otherwise defined herein shall have the meanings assigned to such terms in the Definitions contained in Appendix A to the indenture dated as of March 30, 2000 (the "Indenture"), between the Issuer and the Indenture Trustee, which is incorporated by reference herein. All other capitalized terms used herein shall have the meanings specified herein. Section 1.02 Other Definitional Provisions. (a) All terms defined in this Agreement shall have the defined meanings when used in any certificate or other document made or delivered pursuant hereto unless otherwise defined therein. (b) As used in this Agreement and in any certificate or other document made or delivered pursuant hereto or thereto, accounting terms not defined in this Agreement or in any such certificate or other document, and accounting terms partly defined in this Agreement or in any such certificate or other document, to the extent not defined, shall have the respective meanings given to them under generally accepted accounting principles. To the extent that the definitions of accounting terms in this Agreement or in any such certificate or other document are inconsistent with the meanings of such terms under generally accepted accounting principles, the definitions contained in this Agreement or in any such certificate or other document shall control. (c) The words "hereof," "herein," "hereunder" and words of similar import when used in this Agreement shall refer to this Agreement as a whole and not to any particular provision of this Agreement; Section and Exhibit references contained in this Agreement are references to Sections and Exhibits in or to this Agreement unless otherwise specified; the term "including" shall mean "including without limitation"; "or" shall include "and/or"; and the term "proceeds" shall have the meaning ascribed thereto in the UCC. (d) The definitions contained in this Agreement are applicable to the singular as well as the plural forms of such terms and to the masculine as well as the feminine and neuter genders of such terms. (e) Any agreement, instrument or statute defined or referred to herein or in any instrument or certificate delivered in connection herewith means such agreement, instrument or statute as from time to time amended, modified or supplemented and includes (in the case of agreements or instruments) references to all attachments thereto and instruments incorporated therein; references to a Person are also to its permitted successors and assigns. 2 Section 1.03 Interest Calculations. All calculations of interest hereunder that are made in respect of the Principal Balance of a Home Loan shall be made under an actuarial interest method. All calculations of interest on the Class A-1 Notes shall be made on the basis of the actual number of days in an Interest Period and a year assumed to consist of 360 days. All calculations of interest on the Class A-2, Class A-3 and Class A-4 Notes shall be made on the basis of a 30-day month and a year assumed to consist of 360 days. The calculation of the Servicing Fee shall be made on the basis of a 360-day year consisting of twelve 30-day months. All dollar amounts calculated hereunder shall be rounded to the nearest penny with one-half of one penny being rounded up. 3 ARTICLE II Representations and Warranties Section 2.01 Representations and Warranties Regarding the Servicer. The Servicer represents and warrants to the Issuer and for the benefit of the Indenture Trustee, as pledgee of the Home Loans, as of the Closing Date: (a) the Servicer is a corporation duly organized, validly existing and in good standing under the laws of the Commonwealth of Pennsylvania and has the corporate power to own its assets and to transact the business in which it is currently engaged. The Servicer is duly qualified to do business as a foreign corporation and is in good standing in each jurisdiction in which the character of the business transacted by it or properties owned or leased by it requires such qualification and in which the failure to so qualify would have a material adverse effect (not in the ordinary course of business) on the business, properties, assets, or condition (financial or other) of the Servicer; (b) the Servicer has the power and authority to make, execute, deliver and perform this Agreement and all of the transactions contemplated under this Agreement, and has taken all necessary corporate action to authorize the execution, delivery and performance of this Agreement. When executed and delivered, this Servicing Agreement will constitute the legal, valid and binding obligation of the Servicer enforceable in accordance with its terms, except as enforcement of such terms may be limited by bankruptcy, insolvency or similar laws affecting the enforcement of creditors' rights generally and by the availability of equitable remedies; (c) the Servicer is not required to obtain the consent of any other Person or any consent, license, approval or authorization from, or registration or declaration with, any governmental authority, bureau or agency in connection with the execution, delivery, performance, validity or enforceability of this Agreement, except for such consent, license, approval or authorization, or registration or declaration, as shall have been obtained or filed, as the case may be; (d) the execution and delivery of this Agreement and the performance of the transactions contemplated hereby by the Servicer will not violate any material provision of any existing law or regulation or any order or decree of any court applicable to the Servicer or any provision of the Articles of Incorporation or Bylaws of the Servicer, or constitute a material breach of any material mortgage, indenture, contract or other agreement to which the Servicer is a party or by which the Servicer may be bound; and (e) no litigation or administrative proceeding of or before any court, tribunal or governmental body is currently pending, or to the knowledge of the Servicer threatened, against the Servicer or any of its properties or with respect to this Agreement or the Securities which in the opinion of the Servicer has a reasonable 4 likelihood of resulting in a material adverse effect on the transactions contemplated by this Agreement. The foregoing representations and warranties shall survive any termination of the Servicer hereunder. Section 2.02 Representations and Warranties of the Issuer. The Issuer hereby represents and warrants to the Servicer and for the benefit of the Indenture Trustee, as pledgee of the Home Loans, as of the Closing Date: (a) the Issuer is a business trust duly formed and in good standing under the laws of the State of Delaware and has full power, authority and legal right to execute and deliver this Agreement and to perform its obligations under this Agreement, and has taken all necessary action to authorize the execution, delivery and performance by it of this Agreement; and (b) the execution and delivery by the Issuer of this Agreement and the performance by the Issuer of its obligations under this Agreement will not violate any provision of any law or regulation governing the Issuer or any order, writ, judgment or decree of any court, arbitrator or governmental authority or agency applicable to the Issuer or any of its assets. Such execution, delivery, authentication and performance will not require the authorization, consent or approval of, the giving of notice to, the filing or registration with, or the taking of any other action with respect to, any governmental authority or agency regulating the activities of limited liability companies. Such execution, delivery, authentication and performance will not conflict with, or result in a breach or violation of, any mortgage, deed of trust, lease or other agreement or instrument to which the Issuer is bound. Section 2.03 Enforcement of Representations and Warranties. The Servicer, on behalf of and subject to the direction of the Indenture Trustee, as pledgee of the Home Loans, or the Issuer, shall enforce the representations and warranties of the Seller pursuant to the Purchase Agreement. Upon the discovery by the Seller, the Depositor, the Servicer, the Indenture Trustee, the Credit Enhancer, the Issuer, or the Custodian of a breach of any of the representations and warranties made in the Purchase Agreement, in respect of any Home Loan which materially and adversely affects the interests of the Securityholders or the Credit Enhancer, the party discovering such breach shall give prompt written notice to the other parties (the Custodian being so obligated under the Custodial Agreement). The Servicer shall promptly notify the Seller of such breach and request that, pursuant to the terms of the Purchase Agreement, the Seller either (i) cure such breach in all material respects within 90 days from the date the Seller was notified of such breach or (ii) purchase such Home Loan from the Issuer at the price and in the manner set forth in Section 3.1(b) of the Purchase Agreement; provided, that the Seller shall, subject to the conditions set forth in the Purchase Agreement, have the option to substitute an Eligible Substitute Loan or Loans for such Home Loan. In the event that the Seller elects to substitute one or more Eligible Substitute Loans pursuant to Section 3.1(b) of the Purchase Agreement, the Seller shall deliver to the Issuer with respect to such Eligible Substitute Loans, the original Mortgage Note, the Mortgage, and such other documents and agreements as are required by the 5 Purchase Agreement. Payments due with respect to Eligible Substitute Loans in the month of substitution shall not be transferred to the Issuer and will be retained by the Servicer and remitted by the Servicer to the Seller on the next succeeding Payment Date except to the extent that a payment less than the applicable Monthly Payment has been received by the Issuer for such month in respect of the Home Loan to be removed. The Servicer shall amend or cause to be amended the Home Loan Schedule to reflect the removal of such Home Loan and the substitution of the Eligible Substitute Loans and the Servicer shall promptly deliver the amended Home Loan Schedule to the Owner Trustee and Indenture Trustee. It is understood and agreed that the obligation of the Seller to cure such breach or purchase or substitute for such Home Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Issuer and the Indenture Trustee, as pledgee of the Home Loans, against the Seller. In connection with the purchase of or substitution for any such Home Loan by the Seller, the Issuer shall assign to the Seller all of its right, title and interest in respect of the Purchase Agreement applicable to such Home Loan. Upon receipt of the Repurchase Price, or upon completion of such substitution, the Servicer shall notify the Custodian, and the Custodian shall deliver the Mortgage Files to the Servicer, together with all relevant endorsements and assignments prepared by the Servicer that the Indenture Trustee shall execute. 6 ARTICLE III Administration and Servicing of Home Loans Section 3.01 The Servicer. (a) The Servicer shall service and administer the Home Loans in a manner generally consistent with the terms of the Program Guide and in a manner consistent with the terms of this Agreement and that shall be normal and usual in its general mortgage servicing activities. The Servicer shall have full power and authority, acting alone or through a Subservicer, to do any and all things in connection with such servicing and administration which it may deem necessary or desirable, it being understood, however, that the Servicer shall at all times remain responsible to the Issuer and the Indenture Trustee, as pledgee of the Home Loans, for the performance of its duties and obligations hereunder in accordance with the terms hereof and the Program Guide. Without limiting the generality of the foregoing, the Servicer shall continue, and is hereby authorized and empowered by the Issuer and the Indenture Trustee, as pledgee of the Home Loans, to execute and deliver, on behalf of itself, the Issuer, the Indenture Trustee or any of them, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge and all other comparable instruments with respect to the Home Loans and the Mortgaged Properties. The Issuer, the Indenture Trustee and the Custodian, as applicable, shall furnish the Servicer with any powers of attorney and other documents necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties hereunder. In addition, the Servicer may, at its own discretion and on behalf of the Indenture Trustee, obtain credit information in the form of a "credit score" from a credit repository. On the Closing Date, the Indenture Trustee shall deliver to the Servicer a limited power of attorney substantially in the form of Exhibit B hereto. If the Mortgage did not have a Lien senior to the related Home Loan on the related Mortgaged Property as of the related Cut-Off Date, then the Servicer, in such capacity, may not consent to the placing of a Lien senior to that of the Mortgage on the related Mortgaged Property. If the Mortgage had a Lien senior to the related Home Loan on the related Mortgaged Property as of the related Cut-Off Date, then the Servicer, in such capacity, may consent to the refinancing of such prior senior Lien, provided that the following requirements are met: (i) (A) the Mortgagor's debt-to-income ratio resulting from such refinancing is less than the original debt-to-income ratio as set forth on the Home Loan Schedule and, in the event that the resulting CLTV of such Home Loan increases by more than 10% above the CLTV prior to such refinancing, the Servicer shall obtain the prior consent of the Credit Enhancer, which consent shall not be unreasonably withheld; provided, however, that in no instance shall the resulting CLTV of such Home Loan be higher than that permitted by the Program Guide; or (B) the resulting CLTV of such Home Loan is no higher than the greater of the CLTV prior to such refinancing and 70% (or 80% for borrowers with a 7 FICO "credit score" of 690 or higher); provided, however, if such refinanced mortgage loan is a "rate and term" mortgage loan (meaning, the Mortgagor does not receive any cash from the refinancing), the CLTV may increase to the extent of either (a) the reasonable closing costs of such refinancing or (b) any decrease in the value of the related Mortgaged Property, if the Mortgagor is in good standing as defined by the Program Guide; (ii) the interest rate, or, in the case of an adjustable rate existing senior Lien, the maximum interest rate, for the loan evidencing the refinanced senior Lien is no higher than the interest rate or the maximum interest rate, as the case may be, on the loan evidencing the existing senior Lien immediately prior to the date of such refinancing; provided, however (a) if the loan evidencing the existing senior Lien prior to the date of refinancing has an adjustable rate and the loan evidencing the refinanced senior Lien has a fixed rate, then the current interest rate on the loan evidencing the refinanced senior Lien may be up to 2.0% higher than the then-current loan rate of the loan evidencing the existing senior Lien and (b) if the loan evidencing the existing senior Lien prior to the date of refinancing has a fixed rate and the loan evidencing the refinanced senior Lien has an adjustable rate, then the maximum interest rate on the loan evidencing the refinanced senior Lien shall be less than or equal to (x) the interest rate on the loan evidencing the existing senior Lien prior to the date of refinancing plus (y) 2.0%; and (iii)the loan evidencing the refinanced senior Lien is not subject to negative amortization. The relationship of the Servicer (and of any successor to the Servicer as servicer under this Agreement) to the Issuer under this Agreement is intended by the parties to be that of an independent contractor and not that of a joint venturer, partner or agent. (b) The Servicer may enter into Subservicing Agreements with Subservicers for the servicing and administration of certain of the Home Loans. References in this Agreement to actions taken or to be taken by the Servicer in servicing the Home Loans include actions taken or to be taken by a Subservicer on behalf of the Servicer and any amount actually received by such Subservicer in respect of a Home Loan shall be deemed to have been received by the Servicer whether or not actually received by the Servicer. Each Subservicing Agreement will be upon such terms and conditions as are not inconsistent with this Agreement and as the Servicer and the Subservicer have agreed. With the approval of the Servicer, a Subservicer may delegate its servicing obligations to third-party servicers, but such Subservicers will remain obligated under the related Subservicing Agreements. The Servicer and the Subservicer may enter into amendments to the related Subservicing Agreements; provided, however, that any such amendments shall not cause the Home Loans to be serviced in a manner that would be materially inconsistent with the standards set forth in this Agreement. The Servicer shall be entitled to terminate any Subservicing Agreement in accordance with the terms and conditions thereof and without any limitation by virtue of this Agreement; provided, however, that in the event of termination of any Subservicing Agreement by the Servicer or the Subservicer, the Servicer shall 8 either act as servicer of the related Home Loan or enter into a Subservicing Agreement with a successor Subservicer which will be bound by the terms of the related Subservicing Agreement. The Servicer shall be entitled to enter into any agreement with a Subservicer for indemnification of the Servicer and nothing contained in this Agreement shall be deemed to limit or modify such indemnification. In the event that the rights, duties and obligations of the Servicer are terminated hereunder, any successor to the Servicer in its sole discretion may, to the extent permitted by applicable law, terminate the existing Subservicing Agreement with any Subservicer in accordance with the terms of the applicable Subservicing Agreement or assume the terminated Servicer's rights and obligations under such subservicing arrangements which termination or assumption will not violate the terms of such arrangements. As part of its servicing activities hereunder, the Servicer, for the benefit of the Indenture Trustee, the Credit Enhancer and the Securityholders, shall use reasonable efforts to enforce the obligations of each Subservicer under the related Subservicing Agreement, to the extent that the non-performance of any such obligation would have a material adverse effect on a Home Loan. Such enforcement, including, without limitation, the legal prosecution of claims, termination of Subservicing Agreements and the pursuit of other appropriate remedies, shall be in such form and carried out to such an extent and at such time as the Servicer, in its good faith business judgment, would require were it the owner of the related Home Loans. The Servicer shall pay the costs of such enforcement at its own expense, and shall be reimbursed therefor only (i) from a general recovery resulting from such enforcement to the extent, if any, that such recovery exceeds all amounts due in respect of the related Home Loan or (ii) from a specific recovery of costs, expenses or attorneys fees against the party against whom such enforcement is directed. Section 3.02 Collection of Certain Home Loan Payments. (a) The Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Home Loans, and shall, to the extent such procedures shall be consistent with this Agreement and generally consistent with the Program Guide, follow such collection procedures as shall be normal and usual in its general mortgage servicing activities. Consistent with the foregoing, and without limiting the generality of the foregoing, the Servicer may in its discretion (i) waive any late payment charge, penalty interest or other fees which may be collected in the ordinary course of servicing a Home Loan and (ii) arrange with a Mortgagor a schedule for the payment of principal and interest due and unpaid; provided, that such arrangement is consistent with the Servicer's policies with respect to home equity mortgage loans; and provided further, that notwithstanding such arrangement, such Home Loans will be included in the information regarding delinquent Home Loans set forth in the Servicing Certificate. The Servicer may also extend the Due Date for payment due on a Home Loan in accordance with the Program Guide; provided, however, that the Servicer shall first determine that any such waiver or extension will not impair the coverage of any related insurance policy or materially adversely affect the Lien of 9 the related Mortgage or the interests of the Securityholders or the Credit Enhancer. Consistent with the terms of this Agreement, the Servicer may also: (i) waive, modify or vary any term of any Home Loan; (ii) consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor; (iii)arrange with a Mortgagor a schedule for the payment of principal and interest due and unpaid; (iv) forgive any portion of the amounts contractually owed under the Home Loan; (v) capitalize past due amounts owed under the Home Loan by adding any amounts in arrearage to the existing principal balance of the Home Loan (a "Capitalization Workout") which will result in an increased Monthly Payment amount, provided that: (A) the amount added to the existing principal balance of the Home Loan (the "Capitalized Amount") shall be no greater than five times the Mortgagor's current Monthly Payment amount; and (B) the Servicer shall not enter into a Capitalization Workout unless the CLTV of the Home Loan prior to the Capitalization Workout equals or exceeds 80% and the Mortgagor has qualified for the Capitalization Workout under the Servicer's servicing guidelines; or (vi) reset the due date for the Home Loan, or any combination of the foregoing; if in the Servicer's determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Securityholders or the Credit Enhancer; provided, however, that the Servicer may not modify or permit any Subservicer to modify any Home Loan (including without limitation any modification that would change the Loan Rate, forgive the payment of any principal or interest (unless in connection with the liquidation of the related Home Loan) or extend the final maturity date of such Home Loan) unless such Home Loan is in default or, in the judgment of the Servicer, such default is reasonably foreseeable. Notwithstanding the foregoing, any permitted extension of the final maturity date of a Home Loan shall not exceed the end of the Collection Period preceding the Final Payment Date. The general terms of any waiver, modification, postponement or indulgence with respect to any of the Home Loans will be included in the Servicing Certificate, and such Home Loans will not be considered "delinquent" for the purposes of the Basic Documents so long as the Mortgagor complies with the terms of such waiver, modification, postponement or indulgence. (b) The Servicer shall establish a Custodial Account, which shall be an Eligible Account, in which the Servicer shall deposit or cause to be deposited any amounts representing payments and collections in respect of the Initial Home Loans received by it subsequent to the Cut-Off Date or, with respect to the Subsequent Home Loans, the Subsequent Cut-Off Date (other than in respect of the payments referred to in the following paragraph), within one Business Day following receipt thereof (or otherwise on or prior to the Closing Date), including the following payments and collections received or made by it (without duplication): 10 (i) all payments of principal of or interest on the Home Loans received or advanced by the Servicer, net of any portion of the interest thereof retained by any Subservicer as subservicing fees; (ii) the aggregate Repurchase Price of the Home Loans purchased by the Servicer pursuant to Section 3.15; (iii) Net Liquidation Proceeds, net of any related Foreclosure Profit; (iv) all proceeds of any Home Loans repurchased by the Seller pursuant to the Purchase Agreement, and all Substitution Adjustment Amounts required to be deposited in connection with the substitution of an Eligible Substitute Loan pursuant to the Purchase Agreement; (v) Insurance Proceeds, other than Net Liquidation Proceeds, resulting from any insurance policy maintained on a Mortgaged Property; and (vi) amounts required to be paid by the Servicer pursuant to Section 8.08; provided, however, that with respect to each Collection Period, the Servicer shall be permitted to retain from payments in respect of interest on the Home Loans, the Servicing Fee for such Collection Period. The foregoing requirements respecting deposits to the Custodial Account are exclusive, it being understood that, without limiting the generality of the foregoing, the Servicer need not deposit in the Custodial Account amounts representing Foreclosure Profits, fees (including annual fees) or late charge penalties, payable by Mortgagors (such amounts to be retained as additional servicing compensation in accordance with Section 3.09 hereof), or amounts received by the Servicer for the accounts of Mortgagors for application towards the payment of taxes, insurance premiums, assessments and similar items. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Servicer may at any time withdraw such amount from the Custodial Account, any provision herein to the contrary notwithstanding. The Servicer shall retain all Foreclosure Profits as additional servicing compensation. The Servicer, in its sole discretion, may deposit into the Custodial Account amounts representing installments of principal of or interest on Home Loans that were delinquent as of the end of any Collection Period, provided that the Servicer reasonably believes that such amounts will be recoverable from Collections on the related Home Loan. If the Servicer makes any such advances of delinquent principal and/or interest, the Servicer shall be entitled to reimburse itself by withdrawing from the Custodial Account, as provided herein, any amounts so advanced. The Servicer may cause the institution maintaining the Custodial Account to invest any funds in the Custodial Account in Permitted Investments (including obligations of the Servicer or any of its Affiliates, if such obligations otherwise qualify as Permitted Investments), which investments shall mature not later than the Business Day preceding the next succeeding Payment Date, and which investments shall not be sold or disposed of prior to maturity. Except as provided above, all income and gain realized from any such investment shall inure to the benefit of the Servicer and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of the principal amount of 11 any such investments shall be deposited in the Custodial Account by the Servicer out of its own funds immediately as realized. (c) The Servicer shall require each Subservicer to hold all funds constituting collections on the Home Loans, pending remittance thereof to the Servicer, in one or more accounts meeting the requirements of an Eligible Account, and shall require all such funds to be invested in Permitted Investments, unless all such collections are remitted on a daily basis to the Servicer for deposit into the Custodial Account. Section 3.03 Withdrawals from the Custodial Account. The Servicer shall, from time to time as provided herein, make withdrawals from the Custodial Account of amounts on deposit therein pursuant to Section 3.02 that are attributable to the Home Loans for the following purposes: (a) on each Determination Date, the Servicer shall determine the aggregate amounts to be withdrawn from the Custodial Account and applied pursuant to Section 3.05(a) of the Indenture and, prior to the close of business on the Business Day prior to the related Payment Date, shall withdraw such amounts from the Custodial Account and deposit such amounts into the Note Payment Account to be distributed by the Paying Agent in accordance with and in the order or priority set forth in Section 3.05(a) of the Indenture for such Payment Date, in accordance with the Servicing Certificate; (b) [Reserved]; (c) to the extent deposited to the Custodial Account, to reimburse itself or the related Subservicer for previously unreimbursed expenses incurred in maintaining individual insurance policies pursuant to Section 3.04, or Liquidation Expenses, paid pursuant to Section 3.07 or otherwise reimbursable pursuant to the terms of this Agreement (to the extent not payable pursuant to Section 3.09), such withdrawal right being limited to amounts received on particular Home Loans (other than any Repurchase Price in respect thereof) that represent late recoveries of the payments for which such advances were made, or from related Net Liquidation Proceeds or the proceeds of the purchase of such Home Loan; (d) to pay to itself out of each payment received on account of interest on a Home Loan as contemplated by Section 3.09, an amount equal to the related Servicing Fee (to the extent not retained pursuant to Section 3.02), and to pay to any Subservicer any subservicing fees not previously withheld by such Subservicer; (e) to the extent deposited in the Custodial Account, to pay to itself as additional servicing compensation any (i) interest or investment income earned on funds deposited in the Custodial Account that it is entitled to withdraw pursuant to Sections 3.02(b) and 5.01, and (ii) Foreclosure Profits (to the extent permitted by law); 12 (f) to pay to itself or the Seller, with respect to any Home Loan or property acquired in respect thereof that has been purchased or otherwise transferred to the Seller, the Servicer or other entity, all amounts received thereon and not required to be distributed to Securityholders as of the date on which the related Purchase Price or Repurchase Price is determined; (g) to withdraw any other amount deposited in the Custodial Account that was not required to be deposited therein pursuant to Section 3.02; (h) to pay to itself, with respect to any Home Loan for which it has made an advance of delinquent principal and/or interest, any previously unreimbursed advances of such amounts theretofore made to the extent of receipts of late recoveries of such payments from the related Mortgagors, out of related Net Liquidation Proceeds or the proceeds of the purchase of such Home Loans; (i) to reimburse itself for the amount of any investment earnings advanced prior to maturity pursuant to Section 3.17(c) or Section 5.01, to the extent not reimbursed from earnings received on the related investment at maturity; and (j) at its option, for so long as it is the sole Certificateholder, to pay to itself from amounts otherwise required to be remitted to the Distribution Account in accordance with Section 3.05(a)(ix) of the Indenture, all amounts payable to it as a Certificateholder on the related Payment Date. Since, in connection with withdrawals pursuant to clauses (c), (d), (e) and (f), the Servicer's entitlement thereto is limited to collections or other recoveries on the related Home Loan, the Servicer shall keep and maintain separate accounting, on a Home Loan by Home Loan basis, for the purpose of justifying any withdrawal from the Custodial Account pursuant to such clauses. Notwithstanding any other provision of this Agreement, the Servicer shall be entitled to reimburse itself for any previously unreimbursed expenses incurred pursuant to Section 3.07 or otherwise reimbursable pursuant to the terms of this Agreement that the Servicer determines to be otherwise nonrecoverable (except with respect to any Home Loan as to which the Repurchase Price has been paid), by withdrawal from the Custodial Account of amounts on deposit therein attributable to the Home Loans on any Business Day prior to the Payment Date succeeding the date of such determination. Section 3.04 Maintenance of Hazard Insurance; Property Protection Expenses. To the extent permitted under the related Mortgage Note and Mortgage, and to the extent the Servicer receives notice that a hazard insurance policy has been cancelled, the Servicer shall cause to be maintained for each Home Loan hazard insurance naming the Servicer or related Subservicer as loss payee thereunder providing extended coverage in an amount which is at least equal to the lesser of (i) the maximum insurable value of the improvements securing such Home Loan from time to time or (ii) the combined principal balance owing on such Home Loan and any mortgage loan senior to such Home Loan from time to time; provided, however, that such coverage may not be less than the minimum amount required to fully compensate for any loss or damage on a replacement cost basis. The Servicer shall use its best efforts to monitor that hazard insurance is maintained as described in the previous sentence in the same manner as it would for mortgage 13 loans in its own portfolio. The Servicer shall also cause to be maintained on property acquired upon foreclosure, or deed in lieu of foreclosure, of any Home Loan, fire insurance with extended coverage in an amount which is at least equal to the amount necessary to avoid the application of any co-insurance clause contained in the related hazard insurance policy. Amounts collected by the Servicer under any such policies (other than amounts to be applied to the restoration or repair of the related Mortgaged Property or property thus acquired or amounts released to the Mortgagor in accordance with the Service's normal servicing procedures) shall be deposited in the Custodial Account to the extent called for by Section 3.02. In cases in which any Mortgaged Property is located at any time during the life of a Home Loan in a federally designated flood area, to the extent permitted under the related Mortgage Note and Mortgage, and to the extent the Servicer receives notice that the related flood insurance has been cancelled, the hazard insurance to be maintained for the related Home Loan shall include flood insurance (to the extent available). All such flood insurance shall be in amounts equal to the lesser of (i) the amount required to compensate for any loss or damage to the related Mortgaged Property on a replacement cost basis and (ii) the maximum amount of such insurance available for such Mortgaged Property under the national flood insurance program (assuming that the area in which such Mortgaged Property is located is participating in such program). The Servicer shall use its best efforts to monitor such flood insurance as described in the previous sentence in the same manner as it would for mortgage loans in its own portfolio. The Servicer shall be under no obligation to require that any Mortgagor maintain earthquake or other additional insurance and shall be under no obligation itself to maintain any such additional insurance on property acquired in respect of a Home Loan, other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. If the Servicer shall obtain and maintain a blanket policy consistent with its general mortgage servicing activities insuring against hazard losses on all of the Home Loans, it shall conclusively be deemed to have satisfied its obligations as set forth in the first sentence of this Section 3.04, it being understood and agreed that such policy may contain a deductible clause, in which case the Servicer shall, in the event that there shall not have been maintained on the related Mortgaged Property a policy complying with the first sentence of this Section 3.04 and there shall have been a loss which would have been covered by such policy, deposit in the Custodial Account the amount not otherwise payable under the blanket policy because of such deductible clause. Any such deposit by the Servicer shall be made on the last Business Day of the Collection Period in the month in which payments under any such policy would have been deposited in the Custodial Account. In connection with its activities as servicer of the Home Loans, the Servicer agrees to present, on behalf of itself, the Issuer and the Indenture Trustee, claims under any such blanket policy. Section 3.05 Modification Agreements; Release or Substitution of Lien. (a) The Servicer or the related Subservicer, as the case may be, shall be entitled to (a) execute assumption agreements, substitution agreements, and instruments of satisfaction or cancellation or of partial or full release or discharge, or any other document contemplated by this Agreement and other comparable instruments with respect to the Home Loans and with respect to the related Mortgaged Properties (and the Issuer and the Indenture Trustee each shall promptly execute any such documents on request of the Servicer) and (b) approve the granting of an easement thereon in favor of another Person, any alteration or demolition of such Mortgaged Properties or other similar matters, if it has determined, exercising its good faith business judgment in the same manner as it would if it were the owner of the 14 related Home Loans, that the security for, and the timely and full collectability of, such Home Loans would not be adversely affected thereby. A partial release pursuant to this Section 3.05 shall be permitted only if the CLTV for the related Home Loan after such partial release does not exceed the CLTV for such Home Loan as of the related Cut-Off Date. Any fee collected by the Servicer or the related Subservicer for processing such request will be retained by the Servicer or such Subservicer as additional servicing compensation. (b) The Servicer may enter into an agreement with a Mortgagor to release the lien on the Mortgaged Property relating to a Home Loan (the "Existing Lien"), if at the time of such agreement the Home Loan is current in payment of principal and interest, under any of the following circumstances: (i) in any case in which, simultaneously with the release of the Existing Lien, the Mortgagor executes and delivers to the Servicer a Mortgage on a substitute Mortgaged Property, provided that the CLTV of the Home Loan (calculated based on the Appraised Value of the substitute Mortgaged Property) is not greater than the CLTV prior to releasing the Existing Lien; (ii) in any case in which, simultaneously with the release of the Existing Lien, the Mortgagor executes and delivers to the Servicer a Mortgage on a substitute Mortgaged Property, provided that: (A) the CLTV of the Home Loan (calculated based on the Appraised Value of the substitute Mortgaged Property) is not greater than the lesser of (1) 125% and (2) 105% of the CLTV prior to releasing the Existing Lien; and (B) the Servicer determines that at least two appropriate compensating factors are present (compensating factors may include, without limitation, an increase in the Mortgagor's monthly cash flow after debt service, the Mortgagor's debt-to-income ratio has not increased since origination, or an increase in the Mortgagor's credit score); or (iii)in any case in which, at the time of release of the Existing Lien, the Mortgagor does not provide the Servicer with a Mortgage on a substitute Mortgaged Property (any Home Loan that becomes and remains unsecured in accordance with this subsection, an "Unsecured Loan"), provided that: (A) the Servicer shall not permit the release of an Existing Lien under this clause (iii) as to more than 100 Home Loans in any calendar year; (B) at no time shall the aggregate Principal Balance of Unsecured Loans exceed 5% of the then Pool Balance; (C) the Mortgagor agrees to an automatic debit payment plan; and (D) the Servicer shall provide notice to each Rating Agency and the Credit Enhancer that has requested notice of such releases. In connection with any Unsecured Loan, the Servicer may require the Mortgagor to enter into an agreement under which: (i) the Loan Rate may be increased effective until a substitute Mortgage meeting the criteria under (i) or (ii) above is provided; or (ii) any other provision may be made which the Servicer considers to be appropriate. Thereafter, the Servicer shall determine in its discretion whether to accept any proposed Mortgage on any substitute Mortgaged Property as security for the Home Loan, and the Servicer may require the Mortgagor to agree to any further conditions which the Servicer considers appropriate in connection with such substitution, which may include a reduction of the Loan Rate (but not below the Loan Rate in effect at the Closing 15 Date). Any Home Loan as to which a Mortgage on a substitute Mortgaged Property is provided in accordance with the preceding sentence shall no longer be deemed to be an Unsecured Loan. Section 3.06 Trust Estate; Related Documents. (a) When required by the provisions of this Agreement, the Issuer or the Indenture Trustee shall execute instruments to release property from the terms of the Trust Agreement, Indenture or Custodial Agreement, as applicable, or convey the Issue's or the Indenture Trustee's interest in the same, in a manner and under circumstances that are not inconsistent with the provisions of this Agreement. No party relying upon an instrument executed by the Issuer or the Indenture Trustee as provided in this Section 3.06 shall be bound to ascertain the Issue's or the Indenture Trustee's authority, inquire into the satisfaction of any conditions precedent or see to the application of any moneys. (b) If from time to time the Servicer shall deliver to the Custodian copies of any written assurance, assumption agreement or substitution agreement or other similar agreement pursuant to Section 3.05, the Custodian shall check that each of such documents purports to be an original executed copy (or a copy of the original executed document if the original executed copy has been submitted for recording and has not yet been returned) and, if so, shall file such documents, and upon receipt of the original executed copy from the applicable recording office or receipt of a copy thereof certified by the applicable recording office shall file such originals or certified copies with the Related Documents. If any such documents submitted by the Servicer do not meet the above qualifications, such documents shall promptly be returned by the Custodian to the Servicer, with a direction to the Servicer to forward the correct documentation. (c) Upon receipt of a Request for Release from the Servicer, substantially in the form of Exhibit C hereto, to the effect that a Home Loan has been the subject of a final payment or a prepayment in full and such Home Loan has been terminated or that substantially all Net Liquidation Proceeds that have been determined by the Servicer in its reasonable judgment to be finally recoverable have been recovered, and upon deposit to the Custodial Account of such final monthly payment, prepayment in full together with accrued and unpaid interest to the date of such payment with respect to such Home Loan or, if applicable, Net Liquidation Proceeds, the Custodian shall promptly release the Related Documents to the Servicer. The Indenture Trustee shall execute such Related Documents, along with such documents as the Servicer or the related Mortgagor may request to evidence satisfaction and discharge of such Home Loan, upon request of the Servicer. If from time to time and as appropriate for the servicing or foreclosure of any Home Loan, the Servicer requests the Custodian to release the Related Documents and delivers to the Custodian a trust receipt reasonably satisfactory to the Custodian and signed by a Responsible Officer of the Servicer, the Custodian shall release such Related Documents to the Servicer. If such Home Loans shall be liquidated and the Custodian receives a certificate from the Servicer as 16 provided above, then, upon request of the Servicer, the Custodian shall release the trust receipt to the Servicer. Section 3.07 Realization Upon Defaulted Home Loans; Loss Mitigation. With respect to any Home Loan that comes into and continues in default, the Servicer shall decide whether to (i) foreclose upon the related Mortgaged Property, (ii) write off the unpaid Principal Balance thereof as bad debt, (iii) take a deed in lieu of foreclosure, (iv) accept a short sale (a payoff of the Home Loan for an amount less than the total amount contractually owed in order to facilitate a sale of the Mortgaged Property by the Mortgagor), (v) permit a short refinancing (a payoff of the Home Loan for an amount less than the total amount contractually owed in order to facilitate refinancing transactions by the Mortgagor not involving a sale of the Mortgaged Property), (vi) arrange for a repayment plan, (vii) agree to a modification in accordance with this Agreement or (viii) take an unsecured note in each case subject to the rights of any related first Lien holder; provided, that in connection with the foregoing, if the Servicer has actual knowledge that any Mortgaged Property is affected by hazardous or toxic wastes or substances and that the acquisition of such Mortgaged Property would not be commercially reasonable, then the Servicer shall not cause the Issuer or the Indenture Trustee to acquire title to such Mortgaged Property in a foreclosure or similar proceeding. In connection with such decision, the Servicer shall follow such practices (including, in the case of any default on a related senior mortgage loan, the advancing of funds to correct such default if deemed to be appropriate by the Servicer) and procedures as it shall deem necessary or advisable and as shall be normal and usual in its general mortgage servicing activities and as shall be required or permitted by the Program Guide; provided, that the Servicer shall not be liable in any respect hereunder if the Servicer is acting in connection with any such foreclosure or attempted foreclosure which is not completed or other conversion in a manner that is consistent with the provisions of this Agreement. The foregoing is subject to the proviso that the Servicer shall not be required to expend its own funds in connection with any foreclosure or attempted foreclosure which is not completed or towards the correction of any default on a related senior mortgage loan or restoration of any property unless it shall determine that such expenditure will increase the related Net Liquidation Proceeds. In the event of a determination by the Servicer that any such expenditure previously made pursuant to this Section 3.07 will not be reimbursable from Net Liquidation Proceeds, the Servicer shall be entitled to reimbursement of its funds so expended pursuant to Section 3.03. Notwithstanding any provision of this Agreement, a Home Loan may be deemed to be finally liquidated if substantially all amounts expected by the Servicer to be received in connection therewith have been received; provided, however, the Servicer shall treat any Home Loan that is 180 days or more delinquent as having been finally liquidated. Any subsequent collections with respect to any such Home Loan shall be deposited into the Custodial Account. For purposes of determining the amount of any Net Liquidation Proceeds, Insurance Proceeds or other unscheduled collections, the Servicer may take into account minimal amounts of additional receipts expected to be received or any estimated additional liquidation expenses expected to be incurred in connection with such Home Loan. In the event that title to any Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the Indenture Trustee, which shall hold the same on behalf of the Issuer in accordance with Section 3.13 of the Indenture. Notwithstanding any such acquisition of title and cancellation of the related Home Loan, such 17 Mortgaged Property shall (except as otherwise expressly provided herein) be considered to be an outstanding Home Loan held as an asset of the Issuer until such time as such property shall be sold. Consistent with the foregoing for purposes of all calculations hereunder, so long as the related Home Loan shall be considered to be an outstanding Home Loan, it shall be assumed that, notwithstanding that the indebtedness evidenced by the related Mortgage Note shall have been discharged, such Mortgage Note in effect at the time of any such acquisition of title before any adjustment thereto by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period will remain in effect. Any proceeds from foreclosure proceedings or the purchase or repurchase of any Home Loan pursuant to the terms of this Agreement, as well as any recovery resulting from a collection of Net Liquidation Proceeds or Insurance Proceeds, shall be applied in the following order of priority: first, to reimburse the Servicer or the related Subservicer in accordance with this Section 3.07; second, to pay the Servicer or the related Subservicer all Servicing Fees payable therefrom; third, to pay accrued and unpaid interest on such Home Loan, at the Net Loan Rate to the Payment Date on which such amounts are to be deposited in the Note Payment Account or Distribution Account; and fourth, as a recovery of principal on such Home Loan. Any remaining amount shall constitute Foreclosure Profits. Section 3.08 Issuer and Indenture Trustee to Cooperate. On or before each Payment Date, the Servicer will notify the Indenture Trustee or the Custodian, with a copy to the Issuer, of the termination of or the payment in full and the termination of any Home Loan during the preceding Collection Period. Upon receipt of payment in full, the Servicer is authorized to execute, pursuant to the authorization contained in Section 3.01, an instrument of satisfaction regarding the related Mortgage, which instrument of satisfaction shall be recorded by the Servicer if required by applicable law and be delivered to the Person entitled thereto. It is understood and agreed that any expenses incurred in connection with such instrument of satisfaction or transfer shall be reimbursed from amounts deposited in the Custodial Account. From time to time and as appropriate for the servicing or foreclosure of any Home Loan, the Custodian shall, upon request of the Servicer and delivery to the Custodian, with a copy to the Issuer, of a Request for Release, in the form attached hereto as Exhibit C, signed by a Servicing Officer, release or cause to be released the related Mortgage File to the Servicer. The Issuer or Indenture Trustee shall promptly execute such documents, in the forms provided by the Servicer, as shall be necessary for the prosecution of any such proceedings or the taking of other servicing actions. Such trust receipt shall obligate the Servicer to return such Mortgage File to the Custodian (as specified in such receipt) when the need therefor by the Servicer no longer exists, unless the Home Loan shall be liquidated, in which case, upon receipt of a certificate of a Servicing Officer similar to that specified above, such trust receipt shall be released to the Servicer. In order to facilitate the foreclosure of the Mortgage securing any Home Loan that is in default following recordation of the related Assignment of Mortgage in accordance with the provisions of the Purchase Agreement, the Indenture Trustee or the Issuer shall, if so requested in writing by the Servicer, promptly execute an appropriate assignment in the form provided by the Servicer to assign such Home Loan for the purpose of collection to the Servicer (any such assignment shall unambiguously indicate that the assignment is for the purpose of collection only), and, upon such assignment, such assignee for collection will thereupon bring all required 18 actions in its own name and otherwise enforce the terms of such Home Loan and deposit or credit the Net Liquidation Proceeds, exclusive of Foreclosure Profits, received with respect thereto into the Custodial Account. In the event that all delinquent payments due under any such Home Loan are paid by the Mortgagor and any other defaults are cured, then the assignee for collection shall promptly reassign such Home Loan to the Indenture Trustee and return all Related Documents to the place where the related Mortgage File was being maintained. In connection with the Issuer's obligation to cooperate as provided in this Section 3.08 and all other provisions of this Agreement requiring the Issuer to authorize or permit any actions to be taken with respect to the Home Loans, the Indenture Trustee, as pledgee of the Home Loans and as assignee of record of the Home Loans on behalf of the Issuer pursuant to Section 3.13 of the Indenture, expressly agrees, on behalf of the Issuer, to take all such actions on behalf of the Issuer and to promptly execute and return all instruments reasonably required by the Servicer in connection therewith; provided, that if the Servicer requests a signature of the Indenture Trustee, on behalf of the Issuer, then the Servicer shall deliver to the Indenture Trustee an Officer's Certificate stating that such signature is necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties under this Agreement. Section 3.09 Servicing Compensation; Payment of Certain Expenses by Servicer. The Servicer shall be entitled to receive the Servicing Fee in accordance with Section 3.03 as compensation for its services in connection with servicing the Home Loans. Moreover, late payment charges and other receipts not required to be deposited in the Custodial Account as specified in Section 3.02 shall be retained by the Servicer as additional servicing compensation. The Servicer shall be required to pay all expenses incurred by it in connection with its activities hereunder (including payment of all other fees and expenses not expressly stated hereunder to be for the account of the Securityholders), including the fees and expenses of the Owner Trustee, Indenture Trustee and the Custodian, and shall not be entitled to reimbursement therefor. Section 3.10 Annual Statement as to Compliance. (a) The Servicer shall deliver to the Issuer, the Indenture Trustee, the Depositor and the Underwriter, with a copy to the Credit Enhancer, beginning March 31, 2001, and on or before March 31 of each year thereafter, an Officer's Certificate stating that (i) a review of the activities of the Servicer during the preceding calendar year and of its performance under any servicing agreements to which it is a party, including this Agreement, has been made under such officer's supervision and (ii) to the best of such officer's knowledge, based on such review, the Servicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations in all material respects throughout such year, or, if there has been material noncompliance with such servicing standards or a default in the fulfillment in all material respects of any such obligation relating to this Servicing Agreement, such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof. 19 (b) The Servicer shall deliver to the Issuer and the Indenture Trustee, with a copy to the Credit Enhancer, promptly after having obtained knowledge thereof, but in no event later than five Business Days thereafter, written notice by means of an Officer's Certificate of any event which with the giving of notice or the lapse of time or both, would become a Servicing Default. Section 3.11 Annual Servicing Report. Beginning March 31, 2001, and on or before March 31 of each year thereafter, the Servicer at its expense shall cause a firm of nationally recognized independent public accountants (which firm may also render other services to the Servicer) to furnish a report to the Issuer, the Indenture Trustee, the Depositor, the Underwriter, the Credit Enhancer and each Rating Agency stating its opinion that, on the basis of an examination conducted by such firm substantially in accordance with standards established by the American Institute of Certified Public Accountants, the assertions made pursuant to Section 3.10 regarding compliance with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers during the preceding calendar year are fairly stated in all material respects, subject to such exceptions and other qualifications that, in the opinion of such firm, such accounting standards require it to report. In rendering such statement, such firm may rely, as to matters relating to the direct servicing of Home Loans by Subservicers, upon comparable statements for examinations conducted by independent public accountants substantially in accordance with standards established by the American Institute of Certified Public Accountants (rendered within one year of such statement) with respect to such Subservicers. Section 3.12 Access to Certain Documentation and Information Regarding the Home Loans. Whenever required by statute or regulation, the Servicer shall provide to the Credit Enhancer, any Securityholder upon reasonable request (or a regulator for a Securityholder) or the Indenture Trustee, reasonable access to the documentation regarding the Home Loans. Such access shall be afforded without charge, but only upon reasonable request and during normal business hours at the offices of the Servicer. Nothing in this Section 3.12 shall derogate from the obligation of the Servicer to observe any applicable law prohibiting disclosure of information regarding Mortgagors, and the failure of the Servicer to provide access as provided in this Section 3.12 as a result of such obligation shall not constitute a breach of this Section 3.12. Section 3.13 Maintenance of Certain Servicing Insurance Policies. The Servicer shall, during the term of its service as servicer, maintain in force and effect (i) a policy or policies of insurance covering errors and omissions in the performance of its obligations as Servicer hereunder and (ii) a fidelity bond in respect of its officers, employees or agents. Each such policy or policies and fidelity bond shall be at least equal to the coverage that would be required by Fannie Mae or Freddie Mac, whichever is greater, for Persons performing servicing for mortgage loans purchased by such entity. Section 3.14 Information Required by the Internal Revenue Service and Reports of Foreclosures and Abandonments of Mortgaged Property. The Servicer shall prepare and deliver all federal and state information reports with respect to the Home Loans when and as required by all applicable state and federal income tax laws. In particular, with respect to the requirement under Section 6050J of the Code to the effect that the Servicer or Subservicer shall make reports of foreclosures and abandonments of any mortgaged property for each year beginning in 2000, 20 the Servicer or Subservicer shall file reports relating to each instance occurring during the previous calendar year in which the Servicer (a) on behalf of the Issuer, acquired an interest in any Mortgaged Property through foreclosure or other comparable conversion in full or partial satisfaction of a Home Loan, or (b) knew or had reason to know that any Mortgaged Property had been abandoned. The reports from the Servicer or Subservicer shall be in form and substance sufficient to meet the reporting requirements imposed by Section 6050J and Section 6050H (reports relating to mortgage interest received) of the Code. Section 3.15 Optional Repurchase or Transfer of Home Loans. (a) Notwithstanding any provision in Section 3.07 to the contrary, the Servicer, at its option and in its sole discretion, may repurchase any Home Loan delinquent in payment for a period of sixty (60) days or longer for a price equal to the Repurchase Price. (b) The Servicer, at its option and in its sole discretion, may repurchase any Home Loan for a price equal to the Repurchase Price (i) if the related Mortgage did not have a Lien senior to it as of the related Cut-Off Date, and the related Mortgagor requests the placement of a Lien on the related Mortgaged Property senior to that of such Mortgage or (ii) if the Mortgagor refinances the Lien senior to that of the related Mortgage resulting in a CLTV above the previous CLTV for such Home Loan. (c) Subject to the conditions set forth below, the Servicer, upon receipt of written notice and direction from the Issuer, shall cause the retransfer of Home Loans from the Trust Estate to the Issuer as of the close of business on a Payment Date (the "Transfer Date"). On the fifth Business Day (the "Transfer Notice Date") prior to the Transfer Date designated in such notice, the Servicer shall give the Indenture Trustee, the Rating Agencies and the Credit Enhancer a notice of the proposed retransfer that contains a list of the Home Loans to be retransferred. Such retransfers of Home Loans shall be permitted upon satisfaction of the following conditions: (i) On the Transfer Date, the Overcollateralization Amount (after giving effect to the removal from the Trust Estate of the Home Loans proposed to be retransferred) will equal or exceed the Required Overcollateralization Amount; (ii) On or before the Transfer Date, the Servicer shall have delivered to the Indenture Trustee a revised Home Loan Schedule showing that the Home Loans transferred to the Certificateholders are no longer owned by the Trust Estate; (iii)The Servicer shall represent and warrant that no selection procedures reasonably believed by the Servicer to be adverse to the interests of the Noteholders or the Credit Enhancer were utilized in the selection of the Home Loans to be removed from the Trust Estate and the Servicer shall 21 have received the consent of the Credit Enhancer as to the selection of the particular Home Loans to be removed; and (iv) The Servicer shall have delivered to the Indenture Trustee and the Credit Enhancer an officer's certificate certifying that the items set forth in subparagraphs (i) through (iii), inclusive, have been performed or are true and correct, as the case may be. The Indenture Trustee may conclusively rely on such officer's certificate, shall have no duty to make inquiries with regard to the matters set forth therein and shall incur no liability in so relying. The Servicer shall not be permitted to effect the retransfer of any Home Loan except under the conditions specified above. Upon receiving the requisite notice and direction from the Issuer, the Servicer shall perform in a timely manner those acts required of it, as specified above. Upon satisfaction of the above conditions, on the Transfer Date the Indenture Trustee shall deliver, or cause to be delivered, to the Issuer a written itemization of each Home Loan being transferred, together with the Mortgage File for each such Home Loan, and the Indenture Trustee shall execute and deliver to the Issuer or its designee such other documents prepared by the Servicer as shall be reasonably necessary to transfer such Home Loans to the Certificateholders. Any such transfer of the Trust Estate's right, title and interest in and to Home Loans shall be without recourse, representation or warranty by or of the Indenture Trustee or the Trust Estate to the Issuer or its designee. Section 3.16 Recording of Assignments. If the credit rating of GMAC, as the direct or indirect parent of the Servicer, is reduced to below "BBB" by Standard & Poor's or below "A3" by Mood's, the Servicer shall, within 60 days after written notification of such reduction in credit rating by Standard & Poor's, Moody's or the Credit Enhancer, the Servicer, at its own expense, shall complete and submit for recording in the appropriate public office for real property records the Assignments of Mortgage for each Home Loan. While such assignment to be recorded is being recorded, the Custodian shall retain a photocopy of such assignment. If any assignment is lost or returned unrecorded to the Custodian because of any defect therein, the Servicer shall prepare a substitute assignment or cure such defect, as the case may be, and the Servicer shall cause such assignment to be recorded in accordance with this paragraph. Section 3.17 Pre-Funding Account. (a) No later than the Closing Date, the Indenture Trustee shall establish and maintain on behalf of itself one or more segregated trust accounts, which shall be Eligible Accounts, titled "Pre-Funding Account, The Bank of New York, as Indenture Trustee for GMACM Home Loan Trust 2000-HLTV1" (the "Pre-Funding Account"). On the Closing Date, the Seller shall deposit into the Pre-Funding Account an amount equal to the Original Pre-Funded Amount from the proceeds of the sale of the Securities. On each Subsequent Transfer Date, the Servicer shall instruct the Indenture Trustee in writing to withdraw from the Pre-Funding Account an amount equal to the aggregate Principal Balance as of the related Subsequent Cut-Off Date of the Subsequent Home Loans to be sold to the Trust on such Subsequent Transfer Date and purchased with funds on deposit in the 22 Pre-Funding Account, and to pay such amount to or upon the order of the Seller upon satisfaction of the conditions set forth in this Agreement, in the Purchase Agreement and in the related Subsequent Transfer Agreement with respect thereto. (b) If the Pre-Funded Amount has not been reduced to zero at the close of business on the last day of the Pre-Funding Period, after giving effect to any withdrawal therefrom on such day, any remaining Pre-Funded Amount shall be deposited in the Note Payment Account and applied as a principal distribution on the Notes on the next succeeding Payment Date in accordance with the terms of the Indenture. (c) The Servicer may cause the institution maintaining the Pre-Funding Account to invest any funds therein in Permitted Investments having a maturity of up to 90 days or maturing or otherwise available not later than the Business Day preceding the related Payment Date on which funds are scheduled to be withdrawn to purchase Subsequent Home Loans; provided, that any investment in an obligation of the institution with which the Pre-Funding Account is maintained may mature on or before 10:30 a.m., New York time, on such Payment Date; and provided further, that no such investment may be sold or disposed of prior to maturity. Notwithstanding the foregoing, in the event investment earnings have not matured on any Payment Date, the amount of such earnings accrued as of such Payment Date shall be advanced by the Servicer for deposit into the Note Payment Account (which advance shall be reimbursed to the Servicer from such investment earnings at maturity). At any time when the Indenture Trustee is maintaining the Pre-Funding Account, any request by the Servicer to invest funds on deposit therein shall be in writing, delivered to the Indenture Trustee at or before 10:30 a.m., New York time, if such investment is to be made on such day. The Servicer shall certify that the requested investment is a Permitted Investment maturing at or prior to the time required hereby. Any such investment shall be registered in the name of the Indenture Trustee or its nominee, and to the extent that any such investment is certificated, such investment shall be maintained with the Indenture Trustee at its Corporate Trust Office. All net income or other gain received from any such investment shall be deposited into or credited to the Note Payment Account, and may be withdrawn therefrom in accordance with Section 3.05 of the Indenture. In no event shall the Indenture Trustee be liable for any investment losses on Permitted Investments held in or credited to the Pre-Funding Account, provided that such investments are made in accordance with the provisions of this Agreement. Section 3.18 Capitalized Interest Account. (a) No later than the Closing Date, the Indenture Trustee shall establish and maintain on behalf of itself one or more segregated trust accounts, which shall be Eligible Accounts, titled "Capitalized Interest Account, The Bank of New York, as Indenture Trustee for GMACM Home Loan Trust 2000-HLTV1" (the "Capitalized Interest Account"). The Indenture Trustee shall, promptly upon receipt, deposit in the Capitalized Interest Account and retain therein the Interest 23 Coverage Amount. If the Indenture Trustee shall not have received an investment direction from the Seller, the Indenture Trustee shall invest funds on deposit in the Capitalized Interest Account in Permitted Investments of the kind described in clause (v) of the definition of Permitted Investments having a maturity date no later than the next succeeding Payment Date. The Servicer shall be entitled to retain any investment earnings on amounts on deposit in the Capitalized Interest Account and shall deposit into the Capitalized Interest Account the amount of any net loss incurred in respect of any such Permitted Investment immediately upon realization of such loss without any right of reimbursement therefor. The Servicer shall be the owner of the Capitalized Interest Account and shall report all items of income, deduction, gain or loss arising therefrom. (b) On each Payment Date during the Pre-Funding Period and on the Payment Date immediately after the end of the Pre-Funding Period, the Indenture Trustee, at the written direction of the Servicer, shall withdraw from the Capitalized Interest Account and deposit into the Note Payment Account an amount equal to the lesser of (i) the Capitalized Interest Requirement for such Payment Date and (ii) the excess, if any, of (A) the amount necessary to pay interest for the related Interest Period at the applicable Note Rate on the related Note Balances of the Notes immediately prior to such Payment Date over (B) the funds on deposit in the Note Payment Account on such Payment Date (after giving effect to all other deposits of funds into the Note Payment Account on such Payment Date other than any Policy Draw Amount pursuant to Section 3.28(a) of the Indenture in respect of accrued interest on the Notes). (c) In connection with each Subsequent Transfer Date occurring in the Pre-Funding Period, the Servicer, at its option, may recalculate the Interest Coverage Amount taking into account the amount remaining in the Pre-Funding Account following the sale of Subsequent Home Loans to the Trust on such date. The recomputed Interest Coverage Amount shall be not less than the amount necessary to cover the Capitalized Interest Requirement for each remaining Payment Date in the Pre-Funding Period. With the written consent of the Credit Enhancer (which consent shall not be unreasonably withheld), on any such Subsequent Transfer Date, the Seller shall instruct in writing the Indenture Trustee to pay to it from funds in the Capitalized Interest Account the excess of the amount on deposit therein over the recomputed Interest Coverage Amount. (d) Upon the earlier of (i) termination of the Trust Agreement in accordance with Section 8.01 thereof and (ii) the Payment Date following the end of the Pre-Funding Period, any amount remaining on deposit in the Capitalized Interest Account shall be withdrawn by the Indenture Trustee and paid to the Seller. 24 ARTICLE IV Servicing Certificate Section 4.01 Statements to Securityholders. (a) With respect to each Payment Date, on the Business Day following the related Determination Date, the Servicer shall forward the Servicing Certificate to the Indenture Trustee, and the Indenture Trustee, pursuant to Section 3.26 of the Indenture, shall make such Servicing Certificate available to each Certificateholder, each Noteholder, the Credit Enhancer, the Depositor, the Owner Trustee, the Certificate Paying Agent, Bear Stearns Capital Markets Inc. and each Rating Agency. The Servicing Certificate shall set forth the following information as to the Notes and Certificates, to the extent applicable: (i) the aggregate amount of (a) Interest Collections, (b) Principal Collections, and (c) Substitution Adjustment Amounts for such Collection Period; (ii) the amount of such distribution as principal to the Noteholders of each Class of Notes; (iii)the amount of such distribution as interest to the Noteholders of each Class of Notes; (iv) the Policy Draw Amount, if any, for such Payment Date and the aggregate amount of prior draws on the Policy thereunder not yet reimbursed; (v) the amount of such distribution to the Certificateholders; (vi) the aggregate Principal Balance of the Home Loans as of the end of the preceding Collection Period; (vii)the number and aggregate Principal Balances of Home Loans (a) as to which the Monthly Payment is delinquent for 30-59 days, 60-89 days, 90-119 days, 120-149 days and 150-179 days, respectively, (b) the related Mortgaged Property of which has been foreclosed upon and (c) as to which the related Mortgaged Property has become REO Property, in each case as of the end of the preceding Collection Period; provided, however, that such information shall not be provided on the statements relating to the first Payment Date; (viii) the aggregate Liquidation Loss Amounts with respect to the related Collection Period, the amount distributed as principal to Noteholders in respect of Liquidation Loss Amounts and the aggregate of the Liquidation Loss Amounts from all Collection Periods to date expressed as dollar amount and as a percentage of the aggregate Cut-Off Date Principal Balances of the Home Loans; 25 (ix) the aggregate Note Balance of each Class of Notes and the Certificate Balance of the Certificates after giving effect to the distribution of principal on such Payment Date; (x) the amount on deposit in each of the Pre-Funding Account and Capitalized Interest Account as of the end of the preceding Collection Period; (xi) the Percentage Interest applicable to each of the Securities, after application of payments made on such Payment Date; (xii)the Overcollateralization Amount as of the end of the preceding Collection Period; (xiii) the amount of any payment to be made to the designee or designees of the Credit Enhancer with respect to such Payment Date pursuant to Sections 3.05(a)(iv) and 3.30 of the Indenture and the Limited Reimbursement Agreement; (xiv)the Net Loan Rate for the related Collection Period; and (xv) the aggregate Principal Balance of Subsequent Home Loans transferred to the Trust Estate. In the case of information furnished pursuant to clauses (ii) and (iii) above, the amounts shall be expressed as an aggregate dollar amount per Note or Certificate, as applicable, with a $25,000 denomination. If a Servicing Default shall occur, on the Business Day following the related Determination Date, the Servicer shall forward to the Indenture Trustee, and the Indenture Trustee, pursuant to Section 3.26 of the Indenture, shall forward or cause to be forwarded by mail to each Certificateholder, each Noteholder, the Credit Enhancer, the Depositor, the Owner Trustee, the Certificate Paying Agent and each Rating Agency, a statement to such effect, including the nature of such Servicing Default. Such statement may be included in, or separate from, the regular statement sent to Securityholders. The Indenture Trustee will make the monthly statement to Securityholders (and, at its option, any additional files containing the same information in an alternative format) available each month to Securityholders, and other parties to this Agreement via the Indenture Trustee's internet website. The Indenture Trustee's internet website shall initially be located at "www.MBSReporting.com". Assistance in using the website can be obtained by calling Mortgage Backed Securities Administration at 212-815-2201. Parties that are unable to use the above distribution options are entitled to have a paper copy mailed to them via first class mail by calling the customer service desk and indicating such. The Indenture Trustee shall have the right to change the way the statements to Securityholders are distributed in order to make such distribution more convenient and/or more accessible to the above parties and the Indenture Trustee shall provide timely and adequate notification to all above parties regarding any such changes. 26 (b) In addition, with respect to each Payment Date, on the Business Day following the related Determination Date, the Servicer shall forward to the Credit Enhancer and the Rating Agencies the following information for each Capitalization Workout entered into during the related Collection Period: (i) the original Home Equity Loan amount; (ii) the Home Loan amount after the Capitalization Workout; (iii)the original Monthly Payment amount; (iv) the Monthly Payment amount after the Capitalization Workout; (v) the Capitalized Amount as defined in Section 3.02(a)(v) herein; (vi) the CLTV prior to the Capitalization Workout; (vii)the CLTV after the Capitalization Workout; and (viii) if an appraisal was used in determining the CLTV referred to in (vii) above, the type and date of appraisal. (c) The Servicer shall forward to the Indenture Trustee any other information reasonably requested by the Indenture Trustee necessary to make distributions pursuant to Section 3.05 of the Indenture. Prior to the close of business on the Business Day next succeeding each Determination Date, the Servicer shall furnish a written statement to the Certificate Paying Agent and the Indenture Trustee setting forth the aggregate amounts required to be withdrawn from the Custodial Account and deposited into the Note Payment Account and/or Distribution Account on the Business Day preceding the related Payment Date pursuant to Section 3.03. The determination by the Servicer of such amounts shall, in the absence of obvious error, be deemed to be presumptively correct for all purposes hereunder, and the Owner Trustee and the Indenture Trustee shall be protected in relying upon the same without any independent check or verification. In addition, upon the Issuer's written request, the Servicer shall promptly furnish such information reasonably requested by the Issuer that is reasonably available to the Servicer to enable the Issuer to perform its federal and state income tax reporting obligations. Section 4.02 Tax Returns and 1934 Act Reports (a) The Servicer will prepare and file or cause to be prepared and filed all tax and information returns of the Trust Estate. (b) The Servicer shall prepare all reports on behalf of the Trust Estate, including, but not limited to, all Forms 8-K, Forms 10-K and, when applicable, a Form 15 that are required under the Securities Exchange Act of 1934, as amended. The 27 Servicer shall continue to file all Forms 8-K and Forms 10-K with respect to the Trust Estate until directed by the Depositor in writing to discontinue such filings. 28 ARTICLE V Note Payment Account Section 5.01 Note Payment Account. The Indenture Trustee shall establish and maintain an Eligible Account entitled "The Bank of New York, as Indenture Trustee, for the benefit of the Securityholders, the Certificate Paying Agent and the Credit Enhancer, pursuant to the Indenture, dated as of March 30, 2000, between GMACM Home Loan Trust 2000-HLTV1 and The Bank of New York" (the "Note Payment Account"). On each Payment Date, amounts on deposit in the Note Payment Account shall be distributed by the Indenture Trustee in accordance with Section 3.05 of the Indenture. The Indenture Trustee shall invest or cause the institution maintaining the Note Payment Account to invest the funds therein in Permitted Investments selected in writing by the Servicer and designated in the name of the Indenture Trustee, which investments shall mature not later than the Business Day next preceding the Payment Date next following the date of such investment (except that (i) any investment in the institution with which the Note Payment Account is maintained may mature on such Payment Date and (ii) any other investment may mature on such Payment Date if the Servicer shall advance funds on such Payment Date to the Note Payment Account in the amount payable on such investment on such Payment Date, pending receipt thereof to the extent necessary to make distributions on the Notes, which advance shall be reimbursed to the Servicer from such investment earnings at maturity) and shall not be sold or disposed of prior to maturity. All income and gain realized from any such investment shall be for the benefit of the Servicer and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments shall be deposited in the Note Payment Account by the Servicer out of its own funds immediately as realized. 29 ARTICLE VI The Servicer Section 6.01 Liability of the Servicer. The Servicer shall be liable in accordance herewith only to the extent of the obligations specifically imposed upon and undertaken by the Servicer herein. Section 6.02 Merger or Consolidation of, or Assumption of the Obligations of, the Servicer. Any corporation into which the Servicer may be merged or converted or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Servicer shall be a party, or any corporation succeeding to the business of the Servicer, shall be the successor of the Servicer hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. The Servicer may assign its rights and delegate its duties and obligations under this Agreement; provided, that the Person accepting such assignment or delegation shall be a Person qualified to service mortgage loans, is reasonably satisfactory to the Credit Enhancer (provided, that such consent to assignment may not be unreasonably withheld), is willing to service the Home Loans and executes and delivers to the Issuer (with a copy to the Credit Enhancer) an agreement, in form and substance reasonably satisfactory to the Credit Enhancer, that contains an assumption by such Person of the due and punctual performance and observance of each covenant and condition to be performed or observed by the Servicer under this Agreement; and provided further, that no Rating Event will occur as a result of such assignment and delegation (as evidenced by a letter to such effect from each Rating Agency), if determined without regard to the Policy; and provided further, that the Owner Trustee shall receive an Opinion of Counsel to the effect that such assignment or delegation will not cause the Issuer to be treated as an association (or a publicly-traded partnership) taxable as a corporation for federal income tax purposes. Section 6.03 Limitation on Liability of the Servicer and Others. Neither the Servicer nor any of the directors or officers or employees or agents of the Servicer shall be under any liability to the Issuer, the Owner Trustee, the Indenture Trustee or the Securityholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement; provided, however, that this provision shall not protect the Servicer or any such Person against any liability that would otherwise be imposed by reason of its willful misfeasance, bad faith or gross negligence in the performance of its duties hereunder or by reason of its reckless disregard of its obligations and duties hereunder. The Servicer and any director or officer or employee or agent of the Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Servicer and any director, officer, employee or agent of the Servicer shall be indemnified by the Issuer and held harmless against any loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Securities, including any amount paid to the Owner Trustee or the Indenture Trustee pursuant to Section 6.06(b), other than any loss, liability or expense incurred by reason of its willful misfeasance, bad faith or gross negligence in the performance of its duties hereunder or by reason of its reckless disregard of its 30 obligations and duties hereunder. The Servicer shall not be under any obligation to appear in, prosecute or defend any legal action that is not incidental to its duties to service the Home Loans in accordance with this Agreement, and that in its opinion may involve it in any expense or liability; provided, however, that the Servicer may in its sole discretion undertake any such action that it may deem necessary or desirable in respect of this Agreement, the rights and duties of the parties hereto and the interests of the Securityholders. In such event, the reasonable legal expenses and costs of such action and any liability resulting therefrom shall be expenses, costs and liabilities of the Issuer, and the Servicer shall be entitled to be reimbursed therefor. The Servicer's right to indemnity or reimbursement pursuant to this Section 6.03 shall survive any resignation or termination of the Servicer pursuant to Section 6.04 or 7.01 with respect to any losses, expenses, costs or liabilities arising prior to such resignation or termination (or arising from events that occurred prior to such resignation or termination). Section 6.04 Servicer Not to Resign. Subject to the provisions of Section 6.02, the Servicer shall not resign from the obligations and duties hereby imposed on it except (a) upon determination that the performance of its obligations or duties hereunder are no longer permissible under applicable law or are in material conflict by reason of applicable law with any other activities carried on by it or its subsidiaries or Affiliates, the other activities of the Servicer so causing such a conflict being of a type and nature carried on by the Servicer or its subsidiaries or Affiliates at the date of this Agreement or (b) upon satisfaction of the following conditions: (i) the Servicer shall have proposed a successor servicer to the Issuer and the Indenture Trustee in writing and such proposed successor servicer is reasonably acceptable to the Issuer, the Indenture Trustee and the Credit Enhancer; (ii) each Rating Agency shall have delivered a letter to the Issuer, the Credit Enhancer and the Indenture Trustee prior to the appointment of the successor servicer stating that the proposed appointment of such successor servicer as Servicer hereunder will not cause a Rating Event, if determined without regard to the Policy; and (iii) such proposed successor servicer is reasonably acceptable to the Credit Enhancer, as evidenced by a letter to the Issuer and the Indenture Trustee; provided, however, that no such resignation by the Servicer shall become effective until such successor servicer or, in the case of (a) above, the Indenture Trustee, as pledgee of the Home Loans, shall have assumed the Servicer's responsibilities and obligations hereunder or the Indenture Trustee, as pledgee of the Home Loans, shall have designated a successor servicer in accordance with Section 7.02. Any such resignation shall not relieve the Servicer of responsibility for any of the obligations specified in Sections 7.01 and 7.02 as obligations that survive the resignation or termination of the Servicer. Any such determination permitting the resignation of the Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Indenture Trustee and the Credit Enhancer. Section 6.05 Delegation of Duties. In the ordinary course of business, the Servicer at any time may delegate any of its duties hereunder to any Person, including any of its Affiliates, that agrees to conduct such duties in accordance with standards comparable to those with which the Servicer complies pursuant to Section 3.01. Such delegation shall not relieve the Servicer of its liabilities and responsibilities with respect to such duties and shall not constitute a resignation within the meaning of Section 6.04. 31 Section 6.06 Payment of Indenture Trustee's and Owner Trustee's Fees and Expenses; Indemnification. (a) After the Closing Date, the Servicer covenants and agrees to pay to the Owner Trustee, the Indenture Trustee and any co-trustee of the Indenture Trustee or the Owner Trustee from time to time, and the Owner Trustee, the Indenture Trustee and any such co-trustee shall be entitled to, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) for all services rendered by each of them in the execution of the trusts created under the Trust Agreement and the Indenture and in the exercise and performance of any of the powers and duties under the Trust Agreement or the Indenture, as the case may be, of the Owner Trustee, the Indenture Trustee and any co-trustee, and the Servicer will pay or reimburse the Indenture Trustee and any co-trustee upon request for all reasonable expenses, disbursements and advances incurred or made by the Indenture Trustee or any co-trustee in accordance with any of the provisions of this Agreement, the Indenture or the Trust Agreement except any such expense, disbursement or advance as may arise from its negligence, willful misfeasance or bad faith. In addition, the Indenture Trustee shall be entitled to be reimbursed from the Servicer for all reasonable costs associated with the transfer of servicing from the predecessor servicer pursuant to Section 7.02 hereunder, including, without limitation, any reasonable costs or expenses associated with the complete transfer of all servicing data and the completion, correction or manipulation of such servicing data as may be required by the Indenture Trustee to correct any errors or insufficiencies in the servicing data or otherwise to enable the Indenture Trustee to service the Home Loans properly and effectively. (b) The Servicer agrees to indemnify the Indenture Trustee and the Owner Trustee for, and to hold the Indenture Trustee and the Owner Trustee, as the case may be, harmless against, any loss, liability or expense incurred without negligence, bad faith or willful misconduct on the part of the Indenture Trustee or the Owner Trustee, as the case may be, arising out of, or in connection with, the acceptance and administration of the Issuer and the assets thereof, including the costs and expenses (including reasonable legal fees and expenses) of defending the Indenture Trustee or the Owner Trustee, as the case may be, against any claim in connection with the exercise or performance of any of its powers or duties under any Basic Document; provided that: (i) with respect to any such claim, the Indenture Trustee or Owner Trustee, as the case may be, shall have given the Servicer written notice thereof promptly after the Indenture Trustee or Owner Trustee, as the case may be, shall have actual knowledge thereof; (ii) while maintaining control over its own defense, the Issuer, the Indenture Trustee or Owner Trustee, as the case may be, shall cooperate and consult fully with the Servicer in preparing such defense; and 32 (iii)notwithstanding anything in this Agreement to the contrary, the Servicer shall not be liable for settlement of any claim by the Indenture Trustee or the Owner Trustee, as the case may be, entered into without the prior consent of the Servicer. No termination of this Agreement or resignation or removal of the Indenture Trustee shall affect the obligations created by this Section 6.06 of the Servicer to indemnify the Indenture Trustee and the Owner Trustee under the conditions and to the extent set forth herein. Notwithstanding the foregoing, the indemnification provided by the Servicer in this Section 6.06(b) shall not pertain to any loss, liability or expense of the Indenture Trustee or the Owner Trustee, including the costs and expenses of defending itself against any claim, incurred in connection with any actions taken by the Indenture Trustee or the Owner Trustee at the direction of the Noteholders or Certificateholders, as the case may be, pursuant to the terms of this Agreement. 33 ARTICLE VII Default Section 7.01 Servicing Default. (a) If any one of the following events (each, a "Servicing Default") shall occur and be continuing: (i) any failure by the Servicer to deposit in the Custodial Account, the Note Payment Account or the Distribution Account any deposit required to be made under the terms of this Agreement that continues unremedied for a period of five Business Days after the date upon which written notice of such failure shall have been given to the Servicer by the Issuer or the Indenture Trustee, or to the Servicer, the Issuer and the Indenture Trustee by the Credit Enhancer; (ii) any failure on the part of the Servicer duly to observe or perform in any material respect any other covenants or agreements of the Servicer set forth in the Securities or in this Agreement, which failure, in each case, materially and adversely affects the interests of the Securityholders or the Credit Enhancer, and which failure continues unremedied for a period of 45 days after the date on which written notice of such failure, requiring the same to be remedied, and stating that such notice is a "Notice of Default" hereunder, shall have been given to the Servicer by the Issuer or the Indenture Trustee, or to the Servicer, the Issuer and the Indenture Trustee by the Credit Enhancer; (iii)the entry against the Servicer of a decree or order by a court or agency or supervisory authority having jurisdiction under Title 11 of the United States Code or any other applicable federal or state bankruptcy, insolvency or other similar law, or if a receiver, assignee or trustee in bankruptcy or reorganization, liquidator, sequestrator or similar official shall have been appointed for or taken possession of the Servicer or its property, and the continuance of any such decree or order unstayed and in effect for a period of 60 consecutive days; (iv) the Servicer shall voluntarily submit to Proceedings under Title 11 of the United States Code or any other applicable federal or state bankruptcy, insolvency or other similar law relating to the Servicer or of or relating to all or substantially all of its property; or the Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors or voluntarily suspend payment of its obligations; 34 then, and in every such case, so long as a Servicing Default shall not have been remedied by the Servicer, either the Issuer, the Indenture Trustee (with the consent of the Credit Enhancer) or the Credit Enhancer, by notice then given in writing to the Servicer, the Issuer and the Indenture Trustee, may terminate all of the rights and obligations of the Servicer as servicer under this Agreement other than its right to receive servicing compensation and expenses for servicing the Home Loans hereunder during any period prior to the date of such termination, and the Issuer, the Credit Enhancer or the Indenture Trustee (with the consent of the Credit Enhancer), may exercise any and all other remedies available at law or equity. Any such notice to the Servicer shall also be given to each Rating Agency, the Credit Enhancer and the Issuer. On or after the receipt by the Servicer of such written notice, all authority and power of the Servicer under this Agreement, whether with respect to the Securities or the Home Loans or otherwise, shall pass to and be vested in the Indenture Trustee, as pledgee of the Home Loans, pursuant to and under this Section 7.01; and, without limitation, the Indenture Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement of each Home Loan and related documents, or otherwise. The Servicer agrees to cooperate with the Issuer, the Credit Enhancer and Indenture Trustee, as the case may be, in effecting the termination of the responsibilities and rights of the Servicer hereunder, including, without limitation, the transfer to the Indenture Trustee for the administration by it of all cash amounts relating to the Home Loans that shall at the time be held by the Servicer and to be deposited by it in the Custodial Account, or that have been deposited by the Servicer in the Custodial Account or thereafter received by the Servicer with respect to the Home Loans. All reasonable costs and expenses (including, but not limited to, attorneys' fees) incurred in connection with amending this Agreement to reflect such succession as Servicer pursuant to this Section 7.01 shall be paid by the predecessor Servicer (or if the predecessor Servicer is the Indenture Trustee, the initial Servicer) upon presentation of reasonable documentation of such costs and expenses. (b) Notwithstanding any termination of the activities of the Servicer hereunder, the Servicer shall be entitled to receive, out of any late collection of a payment on a Home Loan which was due prior to the notice terminating the Servicer's rights and obligations hereunder and received after such notice, that portion to which the Servicer would have been entitled pursuant to Sections 3.03 and 3.09 as well as its Servicing Fee in respect thereof, and any other amounts payable to the Servicer hereunder the entitlement to which arose prior to the termination of its activities hereunder. Notwithstanding the foregoing, a delay in or failure of performance under paragraph (a)(i) or (ii) above, after the applicable grace periods specified therein, shall not constitute a Servicing Default if such delay or failure could not be prevented by the exercise of reasonable diligence by the Servicer and such delay or failure was caused by an act of God or the public enemy, acts of declared or undeclared war, public disorder, rebellion or sabotage, epidemics, landslides, lightning, fire, hurricanes, earthquakes, floods or similar causes. The preceding sentence shall not relieve the Servicer from using reasonable efforts to perform its respective obligations in a timely manner in accordance with the terms of this Agreement. The Servicer shall provide the Indenture Trustee, the Credit Enhancer and the Securityholders with notice of 35 any such failure or delay by it, together with a description of its efforts to so perform its obligations. The Servicer shall immediately notify the Indenture Trustee, the Credit Enhancer and the Issuer in writing of any Servicing Default. Section 7.02 Indenture Trustee to Act; Appointment of Successor. (a) On and after the time the Servicer receives a notice of termination pursuant to Section 7.01 or sends a notice pursuant to Section 6.04, the Indenture Trustee as pledgee of the Home Loans shall itself become, or shall appoint an affiliate of the Indenture Trustee to become the successor in all respects to the Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall immediately assume all of the obligations of the Servicer to make advances on Home Loans under Section 3.02(b) and will be subject to all other responsibilities, duties and liabilities relating thereto placed on the Servicer by the terms and provisions hereof as soon as practicable, but in no event later than 90 days after the Indenture Trustee becomes successor Servicer. Nothing in this Agreement or in the Trust Agreement shall be construed to permit or require the Indenture Trustee to (i) succeed to the responsibilities, duties and liabilities of the initial Servicer in its capacity as Seller under the Purchase Agreement, (ii) be responsible or accountable for any act or omission of the Servicer prior to the issuance of a notice of termination hereunder, (iii) require or obligate the Indenture Trustee, in its capacity as successor Servicer, to purchase, repurchase or substitute any Home Loan, (iv) fund any losses on any Permitted Investment directed by any other Servicer, or (v) be responsible for the representations and warranties of the Servicer. As compensation therefor, the Indenture Trustee shall be entitled to such compensation as the Servicer would have been entitled to hereunder if no such notice of termination had been given. Notwithstanding the foregoing, if the Indenture Trustee is (x) unwilling to act as successor Servicer itself or to appoint an affiliate to become successor Servicer, or (y) legally unable so to act, the Indenture Trustee as pledgee of the Home Loans may (in the situation described in clause (x)) or shall (in the situation described in clause (y)) appoint or petition a court of competent jurisdiction to appoint any established housing and home finance institution, bank or other mortgage loan servicer having a net worth of not less than $10,000,000 as the successor to the Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Servicer hereunder; provided, that any such successor Servicer shall be acceptable to the Credit Enhancer, as evidenced by the Credit Enhancer's prior written consent, which consent shall not be unreasonably withheld; and provided further, that the appointment of any such successor Servicer will not result in a Rating Event, if determined without regard to the Policy. Pending appointment of a successor to the Servicer hereunder, unless the Indenture Trustee is prohibited by law from so acting, the Indenture Trustee itself shall act or appoint an affiliate to act in such capacity as provided above. In connection with such appointment and assumption, the successor shall be entitled to receive compensation out of payments on Home Loans in an amount equal to the compensation that the Servicer would otherwise have received pursuant to Section 3.09 (or such other compensation as the Indenture Trustee and such 36 successor shall agree). The appointment of a successor Servicer shall not affect any liability of the predecessor Servicer that may have arisen under this Agreement prior to its termination as Servicer (including the obligation to purchase Home Loans pursuant to Section 3.01, to pay any deductible under an insurance policy pursuant to Section 3.04 or to indemnify the Indenture Trustee pursuant to Section 6.06), nor shall any successor Servicer be liable for any acts or omissions of the predecessor Servicer or for any breach by such Servicer of any of its representations or warranties contained herein or in any related document or agreement. The Indenture Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. Notwithstanding the foregoing, the Indenture Trustee, in its capacity as successor Servicer, shall not be responsible for the lack of information and/or documents that it cannot obtain through reasonable efforts. (b) Any successor, including the Indenture Trustee, to the Servicer as servicer shall during its term as Servicer (i) continue to service and administer the Home Loans for the benefit of the Securityholders, (ii) maintain in force a policy or policies of insurance covering errors and omissions in the performance of its obligations as Servicer hereunder and a fidelity bond in respect of its officers, employees and agents to the same extent as the Servicer is so required pursuant to Section 3.13 and (iii) be bound by the terms of the Insurance Agreement. (c) Any successor Servicer, including the Indenture Trustee, shall not be deemed in default or to have breached its duties hereunder if the predecessor Servicer shall fail to deliver any required deposit to the Custodial Account or otherwise cooperate with any required servicing transfer or succession hereunder. Section 7.03 Notification to Securityholders. Upon any termination of or appointment of a successor to the Servicer pursuant to this Article VII or Section 6.04, the Indenture Trustee shall give prompt written notice thereof to the Securityholders, the Credit Enhancer, the Issuer and each Rating Agency. 37 ARTICLE VIII Miscellaneous Provisions Section 8.01 Amendment. This Agreement may be amended from time to time by the parties hereto; provided, that any such amendment shall be accompanied by a letter from each Rating Agency to the effect that such amendment will not result in a Rating Event, if determined without regard to the Policy; and provided further, that the Credit Enhancer and the Indenture Trustee shall consent thereto. Section 8.02 GOVERNING LAW. THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 8.03 Notices. All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by certified mail, return receipt requested, to (a) in the case of the Servicer, 100 Witmer Road, Horsham, Pennsylvania 19044, Attention: Anthony Renzi, (b) in the case of the Credit Enhancer, Ambac Assurance Corporation, One State Street Plaza, New York, New York 10004, Attention: Structured Finance - Mortgage Backed Securities (GMACM Home Loan Trust 2000-HLTV1), (c) in the case of Moody's, Home Home Loan Monitoring Group, 4th Floor, 99 Church Street, New York, New York 10001, (d) in the case of Standard & Poo's, 26 Broadway, 15th Floor, New York, New York 10004, Attention: Residential Mortgage Surveillance Group, (e) in the case of the Owner Trustee, Wilmington Trust Company, Rodney Square North, 1100 North Market Street, Wilmington, Delaware 19890-0001 and (f) in the case of the Issuer, GMACM Home Loan Trust 2000-HLTV1, c/o the Owner Trustee at the address set forth in clause (e) above, and (g) in the case of the Indenture Trustee, at the Corporate Trust Office of the Indenture Trustee, with a copy to The Bank of New York, 101 Barclay Street, 12-E, New York, New York 10286, Attention: GMACM 2000-HLTV1; or, with respect to each of the foregoing Persons, at such other address as shall be designated by such Person in a written notice to the other foregoing Persons. Any notice required or permitted to be mailed to a Securityholder shall be given by first class mail, postage prepaid, at the address of such Securityholder as shown in the Note Register or Certificate Register, as the case may be. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the related Securityholder receives such notice. Any notice or other document required to be delivered or mailed by the Indenture Trustee to any Rating Agency shall be given on a reasonable efforts basis and only as a matter of courtesy and accommodation, and the Indenture Trustee shall have no liability for failure to deliver any such notice or document to any Rating Agency. Section 8.04 Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or the Securities or the rights of the Securityholders. 38 Section 8.05 Third-Party Beneficiaries. This Agreement shall inure to the benefit of and be binding upon the parties hereto, the Securityholders, the Credit Enhancer, the Owner Trustee and their respective successors and permitted assigns. Except as otherwise provided in this Agreement, no other Person shall have any right or obligation hereunder. Section 8.06 Counterparts. This instrument may be executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. Section 8.07 Effect of Headings and Table of Contents. The Article and Section headings herein and the Table of Contents are for convenience only and shall not affect the construction hereof. Section 8.08 Termination Upon Purchase by the Servicer or Liquidation of All Home Loans; Partial Redemption. (a) The respective obligations and responsibilities of the Servicer, the Issuer and the Indenture Trustee created hereby shall terminate upon the last action required to be taken by the Issuer pursuant to the Trust Agreement and by the Indenture Trustee pursuant to the Indenture following the earlier of: (i) the date on or before which the Indenture or the Trust Agreement is terminated, or (ii) the purchase by the Servicer from the Issuer of all Home Loans and REO Property in accordance with Section 8.08(b). (b) The Servicer shall have the right to purchase from the Issuer all of the Home Loans and REO Property if the Pool Balance as of any Payment Date is less than 10% of the Pool Balance as of the Cut-off Date (provided that a draw on the Policy would not occur as a result of such purchase), at a price equal to 100% of the aggregate unpaid Principal Balance of all such remaining Home Loans (and, in the case of REO Property, the fair market value of the REO Property), plus accrued and unpaid interest thereon at the weighted average of the Loan Rates thereon up to the date preceding the Payment Date on which such amounts are to be distributed to the Securityholders, plus any amounts due and owing to the Credit Enhancer under the Insurance Agreement (and any unpaid Servicing Fee shall be deemed to have been paid at such time). If such right is exercised by the Servicer, the Servicer shall deposit the amount calculated pursuant to this Section 8.08(b) with the Indenture Trustee pursuant to Section 4.10 of the Indenture and, upon the receipt of such deposit, the Indenture Trustee or Custodian shall release to the Servicer, the files pertaining to the Home Loans being purchased. The Servicer, at its expense, shall prepare and deliver to the Indenture Trustee for execution, at the time the related Home Loans are to be released to the Servicer, appropriate documents assigning each such Home Loans from the Indenture Trustee or the Issuer to the Servicer or the appropriate party. 39 Section 8.09 Certain Matters Affecting the Indenture Trustee. For all purposes of this Agreement, in the performance of any of its duties or in the exercise of any of its powers hereunder, the Indenture Trustee shall be subject to and entitled to the benefits of Article VI of the Indenture. Section 8.10 Owner Trustee Not Liable for Related Documents. The recitals contained herein shall be taken as the statements of the Servicer, and the Owner Trustee and the Indenture Trustee assume no responsibility for the correctness thereof. The Owner Trustee and the Indenture Trustee make no representations as to the validity or sufficiency of this Agreement, of any Basic Document or Related Document, or of the Certificates (other than the signatures of the Owner Trustee and the Indenture Trustee on the Certificates) or the Notes. The Owner Trustee and the Indenture Trustee shall at no time have any responsibility or liability with respect to the sufficiency of the Trust Estate or its ability to generate the payments to be distributed to Certificateholders under the Trust Agreement or the Noteholders under the Indenture, including the compliance by the Depositor, the Seller or the Servicer with any warranty or representation made under any Basic Document or the accuracy of any such warranty or representation, or any action of any person taken in the name of the Owner Trustee or the Indenture Trustee. 40 IN WITNESS WHEREOF, the Servicer, the Issuer and the Indenture Trustee have caused this Agreement to be duly executed by their respective officers or representatives all as of the day and year first above written. GMAC MORTGAGE CORPORATION, as Servicer By: /s/ Laura Reichel ---------------------------- Name: Laura Reichel Title: Vice President GMACM HOME LOAN TRUST 2000-HLTV1, as Issuer By: Wilmington Trust Company, not in its individual capacity but solely as Owner Trustee By: /s/ Jill K. Morrison --------------------------- Name: Jill K. Morrison Title: Financial Services Officer THE BANK OF NEW YORK, as Indenture Trustee By: /s/ John Polito ---------------------------- Name: John Polito Title: Vice President 41 EXHIBIT A MORTGAGE LOAN SCHEDULE Bank BranchCustomer # Reporting Original Unpaid Note MaturityOriginalCombined Appraised Branch Loan Balance Loan Date Date term LTV Value Balance 812 001 5694443 001 $46,000.00 $46,000.00 2/7/00 3/1/25 300 113.65 812 001 5213673 001 $46,100.00 $45,803.93 10/13/99 11/1/14 180 106.53 812 001 5233523 001 $43,000.00 $42,867.33 10/13/99 11/1/24 300 114.05 812 001 5237862 001 $62,000.00 $61,666.05 10/19/99 11/1/14 180 119.41 812 001 5276944 001 $46,500.00 $46,248.54 10/27/99 11/1/14 180 116.26 812 001 5277017 001 $30,000.00 $29,978.77 9/27/99 10/1/24 300 113.46 812 001 5277025 001 $44,900.00 $44,839.30 10/9/99 11/1/24 300 122.48 812 001 5277223 001 $48,500.00 $48,452.40 10/22/99 11/1/24 300 120.96 812 001 5277249 001 $150,000.00 $149,852.85 10/30/99 11/1/24 300 112.66 812 001 5277280 001 $47,600.00 $47,559.38 10/20/99 11/1/24 300 122.08 812 001 5277298 001 $70,000.00 $69,026.45 10/26/99 11/1/24 300 114.99 812 001 5277314 001 $100,000.00 $99,461.38 10/22/99 11/1/14 180 119.52 812 001 5277322 001 $75,000.00 $74,951.25 11/1/99 12/1/24 300 118.62 812 001 5277355 001 $41,300.00 $41,107.66 10/30/99 11/1/14 180 120.86 812 001 5277421 001 $29,300.00 $29,123.69 11/1/99 11/1/14 180 123.80 812 001 5277439 001 $42,500.00 $41,881.79 10/25/99 11/1/14 180 102.39 812 001 5277470 001 $64,200.00 $64,163.71 11/2/99 12/1/24 300 124.89 812 001 5277504 001 $37,900.00 $37,875.91 10/28/99 12/1/24 300 121.61 812 001 5277512 001 $55,000.00 $54,830.28 11/1/99 12/1/14 180 121.09 812 001 5277561 001 $85,000.00 $83,730.80 10/27/99 11/1/24 300 58.09 812 001 5277579 001 $50,000.00 $49,767.13 10/26/99 12/1/14 180 118.30 812 001 5277611 001 $22,500.00 $22,441.68 11/3/99 12/1/14 180 112.66 812 001 5277629 001 $30,000.00 $29,980.50 11/2/99 12/1/24 300 102.07 812 001 5277678 001 $56,000.00 $55,829.33 11/2/99 12/1/14 180 112.20 812 001 5277694 001 $31,000.00 $30,904.34 10/27/99 11/1/14 180 122.05 812 001 5277702 001 $35,000.00 $34,973.83 11/1/99 12/1/24 300 117.84 812 001 5277744 001 $80,500.00 $80,448.87 11/1/99 12/1/24 300 108.32 812 001 5277785 001 $36,000.00 $35,981.04 11/1/99 12/1/24 300 103.53 812 001 5277801 001 $28,000.00 $27,960.46 10/28/99 11/1/24 300 115.92 812 001 5277868 001 $61,800.00 $61,759.82 11/5/99 12/1/24 300 116.47 812 001 5277884 001 $69,000.00 $68,967.70 11/3/99 12/1/24 300 88.00 812 001 5289483 001 $28,000.00 $27,900.01 11/10/99 12/1/14 180 120.00 812 001 5289558 001 $50,000.00 $49,957.21 11/15/99 12/1/24 300 91.67 812 001 5289574 001 $42,100.00 $42,073.26 11/15/99 12/1/24 300 110.69 812 001 5289681 001 $125,000.00 $123,691.21 11/3/99 12/1/09 120 124.01 812 001 5289723 001 $40,000.00 $39,456.92 11/1/99 12/1/24 300 88.00 812 001 5289913 001 $32,000.00 $31,981.91 11/2/99 12/1/24 300 115.00 812 001 5289947 001 $35,000.00 $34,892.00 10/23/99 12/1/14 180 89.55 812 001 5290101 001 $132,500.00 $132,308.87 11/6/99 11/1/24 300 105.80 812 001 5290176 001 $33,900.00 $33,877.96 11/10/99 12/1/24 300 111.16 812 001 5290523 001 $50,000.00 $49,967.48 11/1/99 12/1/24 300 104.66 812 001 5290549 001 $35,000.00 $34,980.20 11/5/99 12/1/24 300 98.79 812 001 5290952 001 $75,000.00 $74,837.27 11/9/99 12/1/24 300 95.70 812 001 5291364 001 $51,800.00 $51,775.73 11/4/99 12/1/24 300 124.33 812 001 5291448 001 $28,000.00 $27,980.48 11/4/99 12/1/24 300 99.17 812 001 5291489 001 $80,000.00 $79,931.55 11/1/99 12/1/24 300 124.43 812 001 5292040 001 $24,100.00 $24,025.62 11/1/99 12/1/14 180 113.94 812 001 5292222 001 $37,000.00 $36,965.36 11/2/99 12/1/24 300 109.72 812 001 5292230 001 $50,000.00 $49,976.58 11/1/99 12/1/24 300 110.50 812 001 5292263 001 $38,500.00 $38,475.55 11/3/99 12/1/24 300 104.28 812 001 5292354 001 $71,000.00 $70,895.18 10/29/99 11/1/24 300 121.19 812 001 5292495 001 $32,900.00 $32,798.48 11/1/99 12/1/14 180 114.81 812 001 5292842 001 $39,300.00 $38,771.79 11/4/99 12/1/24 300 102.56 812 001 5293238 001 $78,000.00 $77,951.50 11/5/99 12/1/24 300 122.13 812 001 5293394 001 $46,200.00 $45,562.60 11/3/99 12/1/24 300 97.68 812 001 5293790 001 $25,000.00 $24,681.03 11/9/99 12/1/24 300 123.33 812 001 5294038 001 $45,700.00 $45,647.99 11/6/99 12/1/24 300 112.70 812 001 5294111 001 $32,000.00 $31,985.02 11/6/99 12/1/24 300 112.53 812 001 5294137 001 $50,800.00 $50,643.24 11/6/99 12/1/14 180 120.02 812 001 5294517 001 $61,000.00 $60,332.77 11/4/99 12/1/24 300 103.66 812 001 5294863 001 $35,000.00 $34,970.05 11/8/99 12/1/24 300 108.67 812 001 5295167 001 $34,000.00 $33,945.89 11/8/99 12/1/24 300 109.85 812 001 5295241 001 $70,000.00 $69,967.22 11/10/99 12/1/24 300 118.42 812 001 5295373 001 $22,200.00 $22,189.59 11/10/99 12/1/24 300 122.03 812 001 5311576 001 $41,900.00 $41,860.77 11/12/99 12/1/24 300 121.71 812 001 5311758 001 $90,600.00 $90,170.92 11/15/99 12/1/14 180 112.54 812 001 5312293 001 $35,000.00 $34,965.65 11/15/99 12/1/24 300 116.90 812 001 5312509 001 $50,000.00 $49,616.65 11/12/99 12/1/14 180 121.18 812 001 5312590 001 $100,000.00 $99,906.39 11/11/99 12/1/24 300 119.84 812 001 5312681 001 $40,000.00 $39,967.81 11/19/99 12/1/24 300 116.48 812 001 5312699 001 $38,000.00 $37,978.51 11/14/99 12/1/24 300 123.89 812 001 5312962 001 $56,900.00 $56,851.31 11/15/99 12/1/24 300 120.69 812 001 5313044 001 $41,700.00 $41,571.32 11/19/99 12/1/14 180 120.21 812 001 5313077 001 $39,900.00 $39,723.40 11/20/99 12/1/24 300 119.66 812 001 5313192 001 $27,500.00 $27,474.18 11/17/99 12/1/24 300 114.80 812 001 5313259 001 $76,700.00 $76,634.40 11/18/99 12/1/24 300 121.12 812 001 5313366 001 $35,000.00 $34,967.23 11/17/99 12/1/24 300 107.57 812 001 5313382 001 $48,500.00 $48,410.95 11/19/99 12/1/19 240 105.96 812 001 5314141 001 $45,200.00 $44,651.05 11/1/99 12/1/24 300 123.88 812 001 5314224 001 $25,000.00 $24,981.86 10/28/99 11/1/24 300 109.19 812 001 5314240 001 $84,000.00 $82,829.61 11/16/99 12/1/24 300 122.78 812 001 5314802 001 $60,000.00 $59,961.89 11/18/99 12/1/24 300 113.21 812 001 5314869 001 $43,200.00 $43,045.71 11/17/99 12/1/14 180 112.73 812 001 5314877 001 $65,000.00 $64,957.74 11/16/99 12/1/24 300 123.19 812 001 5315023 001 $125,000.00 $124,935.56 11/8/99 12/1/24 300 116.99 812 001 5315072 001 $108,000.00 $107,919.25 11/9/99 12/1/24 300 123.63 812 001 5315726 001 $100,000.00 $99,935.00 11/16/99 12/1/24 300 117.97 812 001 5315981 001 $40,000.00 $39,965.77 11/10/99 12/1/24 300 111.29 812 001 5316005 001 $52,000.00 $51,966.19 11/18/99 12/1/24 300 118.34 812 001 5332093 001 $42,000.00 $41,871.98 11/14/99 12/1/14 180 115.38 812 001 5332432 001 $53,000.00 $52,965.55 11/24/99 12/1/24 300 124.62 812 001 5332721 001 $150,000.00 $149,902.50 11/17/99 12/1/24 300 108.89 812 001 5332804 001 $70,800.00 $70,698.79 11/15/99 12/1/19 240 111.07 812 001 5332945 001 $30,000.00 $29,909.58 11/16/99 12/1/14 180 100.44 812 001 5332994 001 $80,000.00 $79,940.19 11/15/99 12/1/24 300 123.62 812 001 5333117 001 $36,700.00 $36,659.86 11/17/99 12/1/24 300 104.78 812 001 5333620 001 $67,200.00 $67,142.50 11/15/99 12/1/24 300 120.99 812 001 5333786 001 $30,000.00 $29,971.91 11/17/99 12/1/24 300 114.65 812 001 5333802 001 $46,000.00 $45,970.09 11/16/99 12/1/24 300 120.49 812 001 5333844 001 $60,000.00 $59,711.00 11/20/99 12/1/24 300 117.84 812 001 5333919 001 $23,750.00 $23,729.67 11/20/99 12/1/24 300 106.53 812 001 5333943 001 $24,000.00 $23,974.27 11/23/99 12/1/24 300 78.33 812 001 5333950 001 $27,600.00 $27,520.91 11/24/99 12/1/14 180 105.73 812 001 5333968 001 $61,200.00 $61,147.63 11/16/99 12/1/24 300 114.67 812 001 5334032 001 $15,000.00 $14,991.51 11/19/99 12/1/24 300 105.68 812 001 5334065 001 $125,000.00 $124,929.33 11/18/99 12/1/24 300 113.56 812 001 5334164 001 $57,100.00 $57,046.56 11/19/99 12/1/24 300 105.99 812 001 5334180 001 $27,500.00 $26,999.40 11/20/99 12/1/14 180 119.12 812 001 5334214 001 $50,000.00 $49,957.21 11/19/99 12/1/24 300 123.41 812 001 5334339 001 $101,000.00 $100,924.48 11/22/99 12/1/24 300 124.96 812 001 5334446 001 $28,000.00 $27,913.59 11/23/99 12/1/14 180 109.35 812 001 5334453 001 $71,000.00 $70,953.86 11/17/99 12/1/24 300 124.98 812 001 5334628 001 $34,000.00 $33,811.86 11/22/99 12/1/14 180 113.76 812 001 5334677 001 $23,200.00 $23,179.23 11/19/99 12/1/24 300 114.61 812 001 5334826 001 $28,700.00 $28,678.08 11/17/99 12/1/24 300 115.71 812 001 5335088 001 $25,700.00 $25,687.96 11/17/99 12/1/24 300 105.39 812 001 5335294 001 $55,000.00 $54,925.96 11/18/99 12/1/19 240 119.20 812 001 5335369 001 $85,000.00 $84,960.21 11/24/99 12/1/24 300 120.00 812 001 5335781 001 $40,000.00 $39,724.46 11/23/99 12/1/24 300 117.86 812 001 5335799 001 $37,000.00 $36,968.35 11/24/99 12/1/24 300 122.15 812 001 5336151 001 $117,700.00 $117,599.31 11/19/99 12/1/24 300 91.30 812 001 5336284 001 $43,000.00 $42,940.63 11/24/99 12/1/24 300 117.80 812 001 5336391 001 $61,500.00 $61,398.60 11/24/99 12/1/24 300 114.61 812 001 5336623 001 $20,000.00 $19,948.15 11/24/99 12/1/14 180 111.02 812 001 5336656 001 $51,200.00 $51,176.02 11/24/99 12/1/24 300 116.00 812 001 5336748 001 $52,000.00 $51,302.16 11/22/99 12/1/24 300 105.23 812 001 5336920 001 $31,596.00 $31,571.86 11/25/99 12/1/24 300 124.67 812 001 5336938 001 $45,400.00 $45,350.34 11/26/99 12/1/24 300 119.00 812 001 5337068 001 $50,000.00 $49,957.21 11/23/99 12/1/24 300 110.42 812 001 5337373 001 $125,000.00 $124,929.33 11/16/99 12/1/24 300 118.72 812 001 5337415 001 $60,000.00 $59,961.89 11/25/99 12/1/24 300 98.52 812 001 5338033 001 $120,000.00 $119,897.34 11/11/99 12/1/24 300 122.80 812 001 5338157 001 $60,000.00 $59,829.20 11/20/99 12/1/14 180 114.77 812 001 5338165 001 $17,400.00 $17,324.73 11/2/99 12/1/14 180 112.38 812 001 5338199 001 $150,000.00 $149,913.20 11/9/99 12/1/24 300 118.69 812 001 5338215 001 $51,000.00 $50,976.12 11/15/99 12/1/24 300 117.29 812 001 5338421 001 $74,800.00 $74,728.92 11/2/99 12/1/24 300 113.00 812 001 5338520 001 $75,000.00 $74,952.36 11/6/99 12/1/24 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192 121.77 812 001 5484191 001 $27,700.00 $27,682.40 12/23/99 1/1/25 312 101.29 812 001 5484233 001 $49,500.00 $49,477.46 12/26/99 1/1/25 312 122.55 812 001 5484266 001 $70,300.00 $70,264.21 1/3/00 2/1/25 300 122.91 812 001 5484282 001 $81,250.00 $81,227.18 12/23/99 1/1/25 312 123.81 812 001 5484290 001 $75,800.00 $75,780.58 12/22/99 1/1/25 312 124.34 812 001 5484357 001 $31,000.00 $30,979.52 12/27/99 1/1/25 312 113.24 812 001 5484373 001 $61,400.00 $61,379.23 12/26/99 1/1/25 312 118.63 812 001 5484472 001 $38,500.00 $38,491.04 12/26/99 1/1/25 312 124.50 812 001 5484514 001 $40,000.00 $39,988.22 12/26/99 1/1/25 312 117.31 812 001 5484530 001 $39,700.00 $39,523.50 12/27/99 1/1/25 312 105.68 812 001 5484597 001 $59,200.00 $59,174.82 12/22/99 1/1/25 312 113.55 812 001 5484613 001 $33,100.00 $32,989.96 12/27/99 1/1/15 192 100.75 812 001 5484621 001 $85,000.00 $84,980.24 12/23/99 1/1/25 312 121.47 812 001 5484670 001 $15,000.00 $14,976.99 12/22/99 1/1/15 192 107.52 812 001 5484688 001 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102.74 812 001 5485172 001 $23,000.00 $22,696.45 1/3/00 2/1/25 300 111.34 812 001 5485206 001 $85,000.00 $84,976.13 1/7/00 2/1/25 300 109.36 812 001 5485230 001 $45,000.00 $44,979.05 12/27/99 1/1/25 312 100.26 812 001 5485248 001 $75,000.00 $74,952.36 12/29/99 1/1/25 312 124.01 812 001 5485271 001 $32,000.00 $31,989.90 1/3/00 2/1/25 300 78.46 812 001 5485339 001 $27,000.00 $26,977.92 12/28/99 1/1/25 312 113.82 812 001 5485347 001 $63,000.00 $62,959.04 12/31/99 1/1/25 312 111.38 812 001 5485404 001 $38,700.00 $38,135.67 1/4/00 2/1/25 300 118.27 812 001 5485412 001 $55,000.00 $54,343.18 1/3/00 2/1/25 300 124.22 812 001 5485495 001 $41,000.00 $40,990.46 1/7/00 2/1/25 300 123.18 812 001 5485537 001 $78,500.00 $76,461.16 1/1/00 2/1/15 180 122.92 812 001 5485552 001 $24,900.00 $24,551.83 1/3/00 2/1/25 300 124.39 812 001 5485602 001 $50,000.00 $49,935.64 1/5/00 2/1/15 180 104.00 812 001 5485628 001 $22,300.00 $22,035.81 1/1/00 2/1/25 300 110.40 812 001 5485644 001 $90,000.00 $89,973.51 1/3/00 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812 001 5599238 001 $33,100.00 $33,041.22 1/24/00 2/1/15 180 124.62 812 001 5599261 001 $56,100.00 $56,015.03 1/24/00 2/1/15 180 115.59 812 001 5599394 001 $28,300.00 $28,258.70 1/19/00 2/1/15 180 108.71 812 001 5599410 001 $44,000.00 $43,985.78 1/22/00 2/1/25 300 117.89 812 001 5599485 001 $33,000.00 $32,945.46 1/19/00 2/1/15 180 106.78 812 001 5599493 001 $125,000.00 $124,953.54 1/20/00 2/1/25 300 124.18 812 001 5599527 001 $15,800.00 $15,800.00 1/26/00 2/1/25 300 96.97 812 001 5599550 001 $65,000.00 $64,976.87 1/19/00 2/1/25 300 105.31 812 001 5599576 001 $50,400.00 $50,331.70 1/20/00 2/1/15 180 108.22 812 001 5599592 001 $20,000.00 $19,971.53 1/26/00 2/1/15 180 93.33 812 001 5599600 001 $69,800.00 $69,762.78 1/25/00 2/1/25 300 109.06 812 001 5599618 001 $25,000.00 $24,993.59 1/20/00 2/1/25 300 97.88 812 001 5599691 001 $15,000.00 $14,991.15 1/24/00 2/1/20 240 97.32 812 001 5599709 001 $58,500.00 $58,485.01 1/20/00 2/1/25 300 117.72 812 001 5599725 001 $28,000.00 $27,957.59 1/25/00 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300 124.66 812 001 5602552 001 $15,800.00 $15,775.77 1/31/00 2/1/15 180 97.07 812 001 5602560 001 $48,500.00 $48,426.54 1/24/00 2/1/15 180 100.35 812 001 5602594 001 $63,000.00 $62,973.20 1/26/00 2/1/25 300 123.93 812 001 5602602 001 $30,000.00 $30,000.00 2/2/00 3/1/25 300 102.60 812 001 5602636 001 $42,000.00 $42,000.00 2/1/00 3/1/20 240 104.86 812 001 5602644 001 $75,800.00 $75,771.82 1/26/00 2/1/25 300 116.32 812 001 5602719 001 $33,000.00 $33,000.00 2/1/00 3/1/25 300 113.67 812 001 5602735 001 $30,000.00 $30,000.00 1/31/00 3/1/15 180 118.13 812 001 5602743 001 $77,700.00 $77,562.03 1/24/00 2/1/15 180 108.90 812 001 5602768 001 $50,000.00 $50,000.00 1/26/00 2/1/25 300 102.29 812 001 5602784 001 $35,000.00 $35,000.00 2/1/00 3/1/25 300 114.54 812 001 5602792 001 $29,400.00 $29,353.22 1/29/00 2/1/15 180 119.53 812 001 5602800 001 $37,000.00 $36,938.86 1/31/00 2/1/15 180 108.64 812 001 5602818 001 $33,000.00 $32,989.58 1/26/00 2/1/25 300 123.69 812 001 5602883 001 $18,700.00 $18,666.79 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$27,000.00 $27,000.00 2/2/00 3/1/15 180 97.22 812 001 5603600 001 $26,400.00 $26,360.46 1/30/00 2/1/15 180 107.15 812 001 5603634 001 $39,900.00 $39,432.23 1/28/00 2/1/25 300 120.58 812 001 5603642 001 $62,500.00 $62,482.44 1/31/00 2/1/25 300 93.96 812 001 5603675 001 $30,000.00 $30,000.00 2/1/00 3/1/15 180 111.42 812 001 5603709 001 $15,000.00 $15,000.00 2/1/00 3/1/25 300 113.42 812 001 5603717 001 $50,000.00 $50,000.00 1/28/00 3/1/25 300 122.28 812 001 5603725 001 $38,600.00 $38,600.00 1/31/00 2/1/15 180 104.49 812 001 5603782 001 $48,000.00 $48,000.00 1/26/00 3/1/25 300 118.26 812 001 5603808 001 $50,000.00 $50,000.00 2/1/00 3/1/15 180 98.94 812 001 5603865 001 $25,000.00 $24,992.11 1/28/00 2/1/25 300 115.79 812 001 5603881 001 $28,300.00 $28,258.70 1/27/00 2/1/15 180 118.19 812 001 5603899 001 $22,000.00 $22,000.00 2/2/00 3/1/25 300 111.14 812 001 5603931 001 $52,000.00 $52,000.00 2/1/00 3/1/25 300 124.95 812 001 5604137 001 $16,000.00 $16,000.00 2/1/00 3/1/15 180 114.17 812 001 5604152 001 $26,000.00 $25,964.36 1/31/00 2/1/15 180 97.24 812 001 5604160 001 $51,400.00 $51,383.39 1/28/00 2/1/25 300 124.30 812 001 5604178 001 $35,000.00 $35,000.00 2/1/00 3/1/25 300 124.67 812 001 5604202 001 $37,800.00 $37,724.26 1/28/00 2/1/15 180 115.40 812 001 5604236 001 $45,000.00 $44,990.47 1/28/00 2/1/25 300 90.87 812 001 5604251 001 $30,000.00 $30,000.00 2/4/00 3/1/15 180 115.82 812 001 5604319 001 $43,000.00 $43,000.00 2/1/00 3/1/25 300 114.80 812 001 5604343 001 $41,000.00 $40,973.94 1/28/00 2/1/25 300 116.65 812 001 5604392 001 $58,500.00 $58,500.00 2/4/00 3/1/25 300 117.41 812 001 5604426 001 $36,700.00 $36,700.00 2/1/00 3/1/25 300 114.74 812 001 5604467 001 $15,000.00 $14,976.99 1/28/00 2/1/15 180 108.43 812 001 5604509 001 $81,300.00 $81,300.00 2/3/00 3/1/25 300 124.55 812 001 5604608 001 $75,000.00 $75,000.00 2/1/00 3/1/25 300 112.92 812 001 5604616 001 $41,000.00 $41,000.00 1/31/00 3/1/25 300 109.48 812 001 5604624 001 $37,500.00 $37,500.00 2/1/00 3/1/25 300 124.07 812 001 5604632 001 $45,000.00 $44,985.47 1/28/00 2/1/25 300 117.39 812 001 5604673 001 $25,000.00 $25,000.00 2/1/00 3/1/25 300 97.72 812 001 5604699 001 $62,000.00 $62,000.00 2/2/00 3/1/15 180 124.55 812 001 5604715 001 $37,000.00 $37,000.00 2/1/00 3/1/15 180 118.60 812 001 5604731 001 $19,300.00 $19,300.00 2/1/00 3/1/15 180 116.54 812 001 5604756 001 $85,000.00 $85,000.00 2/1/00 3/1/20 240 103.79 812 001 5604798 001 $30,500.00 $30,500.00 2/1/00 3/1/25 300 95.87 812 001 5604822 001 $77,600.00 $77,568.45 1/29/00 2/1/25 300 113.41 812 001 5604871 001 $41,700.00 $41,700.00 2/1/00 3/1/15 180 104.55 812 001 5604954 001 $65,200.00 $65,200.00 2/1/00 3/1/15 180 111.87 812 001 5604970 001 $21,800.00 $21,800.00 2/2/00 3/1/15 180 115.45 812 001 5604988 001 $53,000.00 $53,000.00 2/1/00 3/1/25 300 119.34 812 001 5604996 001 $24,300.00 $24,300.00 2/3/00 3/1/15 180 103.14 812 001 5605019 001 $107,900.00 $107,900.00 2/7/00 3/1/25 300 109.88 812 001 5605027 001 $45,000.00 $44,985.47 1/28/00 2/1/25 300 101.13 812 001 5605035 001 $30,000.00 $30,000.00 2/1/00 3/1/15 180 123.28 812 001 5605043 001 $21,200.00 $21,200.00 2/2/00 3/1/25 300 107.49 812 001 5605068 001 $30,000.00 $30,000.00 2/6/00 3/1/25 300 123.68 812 001 5605084 001 $30,000.00 $30,000.00 2/2/00 3/1/15 180 119.00 812 001 5605118 001 $70,000.00 $70,000.00 2/3/00 3/1/25 300 95.00 812 001 5605175 001 $64,000.00 $64,000.00 2/1/00 3/1/15 180 104.35 812 001 5605241 001 $70,800.00 $70,800.00 2/3/00 3/1/25 300 112.61 812 001 5605274 001 $25,600.00 $25,600.00 2/4/00 3/1/25 300 103.63 812 001 5605282 001 $26,700.00 $26,700.00 2/4/00 3/1/15 180 111.46 812 001 5605290 001 $44,500.00 $44,500.00 2/2/00 3/1/20 240 123.37 812 001 5605316 001 $40,000.00 $40,000.00 2/2/00 3/1/15 180 112.10 812 001 5605381 001 $45,000.00 $45,000.00 1/31/00 2/1/25 300 120.29 812 001 5605399 001 $68,000.00 $68,000.00 2/1/00 3/1/25 300 125.00 812 001 5605415 001 $15,500.00 $15,500.00 2/7/00 3/1/25 300 107.93 812 001 5605431 001 $15,000.00 $15,000.00 2/1/00 3/1/25 300 99.01 812 001 5605456 001 $71,000.00 $71,000.00 2/2/00 3/1/25 300 79.79 812 001 5605530 001 $24,000.00 $24,000.00 2/1/00 3/1/25 300 109.50 812 001 5605555 001 $42,000.00 $42,000.00 2/4/00 3/1/15 180 101.67 812 001 5605696 001 $34,000.00 $34,000.00 2/4/00 3/1/25 300 104.38 812 001 5605712 001 $29,700.00 $29,700.00 2/1/00 3/1/15 180 98.39 812 001 5605720 001 $40,900.00 $40,900.00 2/2/00 3/1/25 300 102.24 812 001 5605746 001 $20,000.00 $20,000.00 2/4/00 3/1/15 180 123.27 812 001 5605779 001 $74,000.00 $74,000.00 2/4/00 3/1/25 300 114.85 812 001 5605803 001 $37,900.00 $37,900.00 2/4/00 3/1/25 300 108.41 812 001 5605860 001 $65,000.00 $65,000.00 2/1/00 3/1/25 300 115.63 812 001 5606041 001 $125,000.00 $125,000.00 2/8/00 3/1/15 180 107.71 812 001 5606082 001 $33,000.00 $33,000.00 2/3/00 3/1/25 300 119.58 812 001 5606124 001 $39,500.00 $39,500.00 2/5/00 3/1/25 300 104.27 812 001 5606132 001 $55,000.00 $55,000.00 2/4/00 3/1/25 300 121.57 812 001 5606157 001 $30,000.00 $30,000.00 2/3/00 3/1/15 180 116.47 812 001 5606181 001 $150,000.00 $150,000.00 2/7/00 3/1/25 300 107.49 812 001 5606223 001 $63,200.00 $63,200.00 2/3/00 3/1/25 300 99.90 812 001 5606272 001 $40,000.00 $40,000.00 2/4/00 3/1/25 300 118.30 812 001 5606280 001 $32,000.00 $32,000.00 2/5/00 3/1/15 180 108.57 812 001 5606298 001 $30,600.00 $30,600.00 2/2/00 3/1/15 180 121.01 812 001 5606306 001 $40,000.00 $40,000.00 2/4/00 3/1/25 300 116.71 812 001 5606314 001 $50,000.00 $50,000.00 2/7/00 3/1/25 300 112.80 812 001 5606363 001 $23,200.00 $23,200.00 2/7/00 3/1/15 180 112.90 812 001 5606389 001 $33,100.00 $33,100.00 2/7/00 3/1/25 300 115.47 812 001 5606439 001 $32,900.00 $32,900.00 2/2/00 3/1/20 240 111.11 812 001 5606488 001 $69,950.00 $69,950.00 2/7/00 3/1/25 300 114.23 812 001 5606504 001 $46,500.00 $46,500.00 2/7/00 3/1/20 240 117.27 812 001 5606579 001 $67,700.00 $67,700.00 2/4/00 3/1/15 180 82.04 812 001 5606611 001 $32,700.00 $32,700.00 2/7/00 3/1/25 300 123.63 812 001 5606629 001 $25,000.00 $25,000.00 2/8/00 3/1/15 180 114.85 812 001 5606710 001 $83,300.00 $83,300.00 1/25/00 2/1/15 180 97.84 812 001 5622204 001 $48,000.00 $48,000.00 2/10/00 3/1/25 300 102.36 812 001 5622212 001 $50,000.00 $49,982.28 1/31/00 2/1/25 300 120.22 812 001 5622246 001 $42,000.00 $42,000.00 2/8/00 3/1/25 300 110.59 812 001 5622303 001 $85,000.00 $85,000.00 2/1/00 3/1/25 300 117.60 812 001 5622311 001 $18,000.00 $18,000.00 2/13/00 3/1/15 180 115.91 812 001 5622337 001 $31,900.00 $31,900.00 1/28/00 2/1/20 240 102.32 812 001 5622345 001 $21,500.00 $21,500.00 2/4/00 3/1/25 300 123.00 812 001 5622386 001 $92,000.00 $92,000.00 2/2/00 3/1/25 300 93.25 812 001 5622428 001 $32,000.00 $32,000.00 2/8/00 3/1/25 300 120.20 812 001 5622469 001 $68,500.00 $68,478.37 1/11/00 2/1/25 300 124.64 812 001 5622477 001 $97,000.00 $97,000.00 2/4/00 3/1/25 300 97.75 812 001 5622485 001 $35,000.00 $35,000.00 2/9/00 3/1/15 180 111.07 812 001 5622535 001 $50,000.00 $50,000.00 1/14/00 2/1/25 300 121.29 812 001 5622600 001 $20,000.00 $20,000.00 2/7/00 3/1/15 180 102.37 812 001 5622659 001 $62,800.00 $62,800.00 2/10/00 3/1/25 300 121.25 812 001 5622733 001 $33,000.00 $33,000.00 2/5/00 3/1/25 300 110.37 812 001 5622758 001 $66,000.00 $66,000.00 1/25/00 2/1/15 180 121.07 812 001 5622790 001 $27,000.00 $27,000.00 2/9/00 3/1/25 300 123.53 812 001 5622857 001 $80,200.00 $80,200.00 1/21/00 2/1/25 300 122.34 812 001 5622907 001 $28,000.00 $28,000.00 1/21/00 3/1/25 300 103.63 812 001 5622915 001 $34,200.00 $34,187.29 1/17/00 2/1/25 300 115.85 812 001 5622956 001 $39,000.00 $38,989.79 1/20/00 2/1/25 300 112.02 812 001 5623012 001 $23,200.00 $23,200.00 2/4/00 3/1/25 300 117.94 812 001 5623020 001 $50,000.00 $50,000.00 2/8/00 3/1/25 300 122.68 812 001 5623053 001 $55,000.00 $55,000.00 2/10/00 3/1/25 300 111.66 812 001 5623103 001 $40,000.00 $40,000.00 1/24/00 2/1/25 300 97.07 812 001 5623160 001 $24,000.00 $23,993.72 1/25/00 2/1/25 300 107.38 812 001 5623194 001 $47,800.00 $47,800.00 2/8/00 3/1/25 300 124.10 812 001 5623210 001 $35,000.00 $35,000.00 1/21/00 2/1/25 300 119.25 812 001 5623285 001 $69,600.00 $69,578.03 1/25/00 2/1/25 300 120.47 812 001 5623319 001 $42,000.00 $42,000.00 2/3/00 3/1/15 180 78.85 812 001 5623350 001 $85,000.00 $84,857.95 1/29/00 2/1/15 180 111.85 812 001 5623376 001 $45,000.00 $45,000.00 2/8/00 3/1/15 180 119.59 812 001 5623426 001 $85,000.00 $85,000.00 1/27/00 2/1/25 300 121.79 812 001 5623434 001 $76,700.00 $76,700.00 2/1/00 3/1/25 300 119.79 812 001 5623491 001 $40,000.00 $40,000.00 2/12/00 3/1/25 300 106.08 812 001 5623574 001 $35,500.00 $35,500.00 2/4/00 3/1/25 300 97.85 812 001 5623590 001 $70,000.00 $70,000.00 2/3/00 3/1/15 180 119.98 812 001 5623665 001 $50,000.00 $50,000.00 1/31/00 3/1/25 300 100.00 812 001 5623707 001 $51,000.00 $51,000.00 2/4/00 3/1/25 300 118.69 812 001 5623715 001 $85,000.00 $85,000.00 2/1/00 3/1/25 300 116.26 812 001 5623756 001 $40,700.00 $40,638.35 1/27/00 2/1/15 180 121.56 812 001 5623780 001 $100,000.00 $100,000.00 2/8/00 3/1/15 180 119.85 812 001 5623855 001 $38,700.00 $38,700.00 1/27/00 2/1/25 300 116.23 812 001 5623889 001 $30,600.00 $30,600.00 2/7/00 3/1/25 300 123.21 812 001 5623921 001 $37,000.00 $37,000.00 2/11/00 3/1/25 300 114.74 812 001 5623939 001 $150,000.00 $150,000.00 2/7/00 3/1/25 300 121.03 812 001 5623962 001 $28,300.00 $28,300.00 1/28/00 2/1/25 300 100.94 812 001 5623988 001 $46,100.00 $46,100.00 2/4/00 3/1/25 300 114.16 812 001 5624002 001 $33,500.00 $33,500.00 2/1/00 3/1/25 300 103.15 812 001 5624028 001 $85,000.00 $84,973.18 1/28/00 2/1/25 300 116.13 812 001 5624044 001 $39,000.00 $39,000.00 2/4/00 3/1/15 180 112.34 812 001 5624093 001 $38,000.00 $38,000.00 2/8/00 3/1/10 120 111.04 812 001 5624127 001 $75,900.00 $75,900.00 2/3/00 3/1/15 180 124.46 812 001 5624192 001 $30,500.00 $30,500.00 2/3/00 3/1/25 300 111.44 812 001 5624275 001 $103,500.00 $103,500.00 2/5/00 3/1/25 300 109.40 812 001 5624283 001 $28,700.00 $28,700.00 2/3/00 3/1/25 300 117.12 812 001 5624325 001 $70,000.00 $70,000.00 2/8/00 3/1/25 300 108.01 812 001 5624341 001 $37,800.00 $37,800.00 2/13/00 3/1/15 180 122.37 812 001 5624366 001 $28,000.00 $28,000.00 2/1/00 3/1/25 300 101.95 812 001 5624382 001 $22,800.00 $22,800.00 2/11/00 3/1/15 180 107.26 812 001 5624390 001 $50,000.00 $50,000.00 2/5/00 3/1/25 300 115.67 812 001 5624465 001 $79,500.00 $79,500.00 2/1/00 3/1/25 300 100.58 812 001 5624515 001 $27,300.00 $27,300.00 2/7/00 3/1/15 180 99.89 812 001 5624556 001 $26,100.00 $26,100.00 2/8/00 3/1/15 180 110.70 812 001 5624580 001 $44,000.00 $44,000.00 2/1/00 3/1/15 180 113.29 812 001 5624614 001 $85,000.00 $85,000.00 2/15/00 3/1/25 300 105.20 812 001 5624622 001 $24,100.00 $24,100.00 2/1/00 3/1/25 300 118.11 812 001 5624630 001 $28,700.00 $28,700.00 2/4/00 3/1/15 180 106.10 812 001 5624655 001 $15,000.00 $15,000.00 2/4/00 3/1/15 180 110.65 812 001 5624689 001 $28,800.00 $28,800.00 2/1/00 3/1/25 300 124.24 812 001 5624697 001 $15,000.00 $15,000.00 2/1/00 3/1/25 300 112.86 812 001 5624713 001 $48,800.00 $48,800.00 2/11/00 3/1/15 180 111.00 812 001 5624739 001 $85,600.00 $85,545.59 1/29/00 2/1/25 300 116.00 812 001 5624788 001 $82,000.00 $82,000.00 2/28/00 3/1/25 300 123.05 812 001 5624796 001 $68,000.00 $68,000.00 2/2/00 3/1/25 300 115.59 812 001 5624879 001 $64,700.00 $64,700.00 2/8/00 3/1/15 180 110.13 812 001 5624911 001 $34,000.00 $34,000.00 2/4/00 3/1/15 180 115.06 812 001 5624945 001 $50,000.00 $50,000.00 2/1/00 3/1/25 300 123.62 812 001 5625116 001 $40,000.00 $40,000.00 2/3/00 3/1/15 180 121.79 812 001 5625140 001 $40,600.00 $40,600.00 2/2/00 3/1/25 300 112.83 812 001 5625157 001 $42,400.00 $42,400.00 2/2/00 3/1/25 300 123.69 812 001 5625173 001 $42,500.00 $42,490.11 2/3/00 2/1/25 300 112.95 812 001 5625322 001 $22,000.00 $22,000.00 2/4/00 3/1/25 300 111.73 812 001 5625330 001 $27,800.00 $27,800.00 2/3/00 3/1/15 180 117.04 812 001 5625363 001 $30,000.00 $30,000.00 2/4/00 3/1/15 180 124.03 812 001 5625371 001 $75,500.00 $75,500.00 2/9/00 3/1/25 300 112.13 812 001 5625421 001 $29,500.00 $29,500.00 2/4/00 3/1/25 300 101.25 812 001 5625439 001 $50,000.00 $50,000.00 2/7/00 3/1/25 300 123.78 812 001 5625470 001 $60,000.00 $60,000.00 2/4/00 3/1/25 300 90.60 812 001 5625496 001 $85,000.00 $85,000.00 2/2/00 3/1/25 300 118.65 812 001 5625512 001 $37,000.00 $37,000.00 2/2/00 3/1/15 180 116.10 812 001 5625520 001 $50,800.00 $50,800.00 2/10/00 3/1/25 300 114.95 812 001 5625579 001 $35,000.00 $35,000.00 2/5/00 3/1/25 300 105.12 812 001 5625637 001 $60,000.00 $60,000.00 2/2/00 3/1/25 300 124.76 812 001 5625645 001 $37,400.00 $37,400.00 2/5/00 3/1/25 300 124.46 812 001 5625652 001 $31,500.00 $31,500.00 2/4/00 3/1/25 300 103.33 812 001 5625769 001 $36,000.00 $36,000.00 2/9/00 3/1/15 180 117.35 812 001 5625793 001 $50,000.00 $50,000.00 2/4/00 3/1/25 300 112.50 812 001 5625835 001 $34,550.00 $34,550.00 2/8/00 3/1/25 300 124.89 812 001 5625850 001 $55,600.00 $55,600.00 2/4/00 3/1/25 300 109.96 812 001 5625959 001 $35,000.00 $35,000.00 2/7/00 3/1/15 180 120.91 812 001 5625983 001 $22,000.00 $22,000.00 2/7/00 3/1/25 300 118.08 812 001 5626007 001 $22,500.00 $22,500.00 2/9/00 3/1/15 180 116.66 812 001 5626122 001 $125,000.00 $125,000.00 2/6/00 3/1/25 300 112.80 812 001 5626148 001 $75,100.00 $75,100.00 2/2/00 3/1/25 300 101.39 812 001 5626171 001 $30,000.00 $30,000.00 2/5/00 3/1/15 180 95.76 812 001 5626270 001 $75,000.00 $75,000.00 2/7/00 3/1/15 180 123.92 812 001 5626296 001 $55,000.00 $55,000.00 2/1/00 3/1/25 300 123.72 812 001 5626304 001 $40,000.00 $40,000.00 2/7/00 3/1/15 180 107.30 812 001 5626312 001 $50,000.00 $50,000.00 2/2/00 3/1/25 300 120.36 812 001 5626320 001 $27,500.00 $27,500.00 2/12/00 3/1/25 300 108.73 812 001 5626338 001 $21,000.00 $21,000.00 2/6/00 3/1/25 300 110.00 812 001 5626361 001 $43,900.00 $43,900.00 2/5/00 3/1/25 300 114.08 812 001 5626379 001 $30,000.00 $30,000.00 2/4/00 3/1/25 300 124.37 812 001 5626387 001 $12,000.00 $12,000.00 2/9/00 3/1/15 180 87.59 812 001 5626395 001 $25,000.00 $25,000.00 2/3/00 3/1/25 300 118.00 812 001 5626403 001 $125,000.00 $125,000.00 2/7/00 3/1/25 300 99.71 812 001 5626478 001 $25,000.00 $25,000.00 2/7/00 3/1/15 180 94.31 812 001 5626502 001 $15,000.00 $15,000.00 2/4/00 3/1/25 300 123.42 812 001 5626528 001 $43,800.00 $43,800.00 2/3/00 3/1/25 300 104.80 812 001 5626536 001 $40,600.00 $40,600.00 2/5/00 3/1/25 300 94.93 812 001 5626569 001 $38,800.00 $38,800.00 2/3/00 3/1/25 300 98.94 812 001 5626627 001 $40,000.00 $40,000.00 2/3/00 3/1/15 180 123.90 812 001 5626635 001 $36,500.00 $36,500.00 2/5/00 3/1/25 300 122.67 812 001 5626684 001 $18,100.00 $18,100.00 2/5/00 3/1/25 300 102.94 812 001 5626692 001 $45,000.00 $45,000.00 2/5/00 3/1/25 300 122.67 812 001 5626718 001 $125,000.00 $125,000.00 2/5/00 3/1/15 180 118.69 812 001 5626767 001 $21,000.00 $21,000.00 2/3/00 3/1/15 180 111.89 812 001 5626783 001 $52,300.00 $52,300.00 2/7/00 3/1/15 180 123.91 812 001 5626825 001 $53,000.00 $53,000.00 2/8/00 3/1/25 300 106.78 812 001 5626841 001 $75,000.00 $75,000.00 2/7/00 3/1/25 300 112.84 812 001 5626858 001 $38,500.00 $38,500.00 2/7/00 3/1/15 180 120.98 812 001 5626965 001 $75,000.00 $75,000.00 2/10/00 3/1/25 300 120.84 812 001 5626973 001 $41,730.00 $41,730.00 2/7/00 3/1/25 300 119.11 812 001 5626999 001 $75,000.00 $75,000.00 2/7/00 3/1/25 300 122.25 812 001 5627013 001 $53,500.00 $53,500.00 2/7/00 3/1/15 180 123.00 812 001 5627047 001 $33,200.00 $33,200.00 2/2/00 3/1/25 300 104.57 812 001 5627104 001 $43,100.00 $43,100.00 2/3/00 3/1/25 300 110.54 812 001 5627112 001 $50,000.00 $50,000.00 2/7/00 3/1/25 300 88.99 812 001 5627161 001 $30,000.00 $30,000.00 2/10/00 3/1/15 180 110.17 812 001 5627179 001 $100,000.00 $100,000.00 2/3/00 3/1/25 300 109.38 812 001 5627203 001 $76,600.00 $76,600.00 2/7/00 3/1/15 180 109.29 812 001 5627237 001 $85,000.00 $85,000.00 2/7/00 3/1/25 300 101.59 812 001 5627252 001 $86,000.00 $86,000.00 2/8/00 3/1/25 300 102.29 812 001 5627278 001 $56,200.00 $56,200.00 2/8/00 3/1/25 300 101.28 812 001 5627344 001 $42,000.00 $42,000.00 2/7/00 3/1/25 300 116.07 812 001 5627351 001 $42,000.00 $42,000.00 2/8/00 3/1/25 300 102.73 812 001 5627369 001 $29,000.00 $29,000.00 2/5/00 3/1/25 300 123.55 812 001 5627427 001 $21,312.00 $21,312.00 2/9/00 3/1/15 180 107.96 812 001 5627443 001 $37,000.00 $37,000.00 2/4/00 3/1/20 240 124.97 812 001 5627609 001 $40,000.00 $40,000.00 2/7/00 3/1/25 300 107.63 812 001 5627690 001 $30,200.00 $30,200.00 2/4/00 3/1/15 180 124.95 812 001 5627716 001 $65,000.00 $65,000.00 2/7/00 3/1/25 300 124.93 812 001 5627724 001 $20,000.00 $20,000.00 2/9/00 3/1/25 300 102.13 812 001 5627732 001 $83,100.00 $83,100.00 2/4/00 3/1/25 300 119.42 812 001 5627757 001 $37,000.00 $37,000.00 2/9/00 3/1/15 180 107.00 812 001 5627781 001 $25,000.00 $25,000.00 2/9/00 3/1/25 300 110.93 812 001 5627799 001 $28,000.00 $28,000.00 2/7/00 3/1/25 300 118.68 812 001 5627823 001 $58,800.00 $58,800.00 2/11/00 3/1/15 180 124.58 812 001 5627856 001 $26,200.00 $26,200.00 2/9/00 3/1/15 180 107.91 812 001 5627880 001 $115,500.00 $115,500.00 2/10/00 3/1/25 300 122.70 812 001 5627898 001 $32,000.00 $32,000.00 2/4/00 3/1/15 180 120.64 812 001 5627906 001 $25,700.00 $25,700.00 2/8/00 3/1/15 180 109.49 812 001 5627914 001 $65,000.00 $65,000.00 2/8/00 3/1/25 300 117.75 812 001 5628029 001 $36,700.00 $36,700.00 2/7/00 3/1/25 300 123.83 812 001 5628045 001 $16,000.00 $16,000.00 2/8/00 3/1/15 180 100.80 812 001 5628185 001 $33,600.00 $33,600.00 2/8/00 3/1/15 180 99.05 812 001 5628250 001 $27,000.00 $27,000.00 2/8/00 3/1/25 300 121.73 812 001 5628326 001 $60,000.00 $60,000.00 2/8/00 3/1/25 300 124.05 812 001 5628334 001 $43,400.00 $43,400.00 2/8/00 3/1/25 300 113.94 812 001 5628383 001 $33,500.00 $33,500.00 2/7/00 3/1/25 300 101.91 812 001 5628391 001 $28,000.00 $28,000.00 2/11/00 3/1/25 300 114.81 812 001 5628433 001 $47,000.00 $47,000.00 2/4/00 3/1/25 300 116.34 812 001 5628458 001 $40,000.00 $40,000.00 2/10/00 3/1/25 300 115.71 812 001 5628466 001 $40,400.00 $40,400.00 2/12/00 3/1/15 180 118.89 812 001 5628474 001 $41,000.00 $41,000.00 2/7/00 3/1/25 300 112.37 812 001 5628490 001 $15,000.00 $15,000.00 2/9/00 3/1/25 300 113.77 812 001 5628508 001 $59,800.00 $59,800.00 2/8/00 3/1/15 180 112.53 812 001 5628524 001 $56,900.00 $56,900.00 2/9/00 3/1/25 300 123.06 812 001 5628557 001 $29,600.00 $29,600.00 2/9/00 3/1/25 300 92.43 812 001 5628581 001 $25,000.00 $25,000.00 2/10/00 3/1/15 180 107.99 812 001 5628615 001 $60,000.00 $60,000.00 2/7/00 3/1/15 180 102.57 812 001 5628649 001 $28,200.00 $28,200.00 2/9/00 3/1/15 180 115.88 812 001 5628672 001 $30,000.00 $30,000.00 2/9/00 3/1/25 300 100.15 812 001 5628680 001 $55,000.00 $55,000.00 2/9/00 3/1/25 300 103.70 812 001 5628722 001 $70,000.00 $70,000.00 2/9/00 3/1/25 300 125.00 812 001 5628748 001 $30,000.00 $30,000.00 2/9/00 3/1/25 300 95.58 812 001 5628755 001 $35,000.00 $35,000.00 2/9/00 3/1/25 300 117.37 812 001 5628763 001 $60,200.00 $60,200.00 2/8/00 3/1/25 300 120.50 812 001 5628771 001 $35,000.00 $35,000.00 2/4/00 3/1/20 240 118.16 812 001 5628870 001 $36,700.00 $36,700.00 2/9/00 3/1/25 300 116.78 812 001 5628912 001 $65,000.00 $65,000.00 2/11/00 3/1/25 300 102.58 812 001 5628953 001 $24,000.00 $24,000.00 2/9/00 3/1/15 180 119.65 812 001 5628979 001 $32,500.00 $32,500.00 2/10/00 3/1/15 180 91.27 812 001 5629001 001 $43,200.00 $43,200.00 2/10/00 3/1/25 300 117.03 812 001 5629019 001 $30,500.00 $30,500.00 2/14/00 3/1/15 180 123.24 812 001 5629035 001 $16,500.00 $16,500.00 2/10/00 3/1/25 300 95.52 812 001 5629050 001 $34,600.00 $34,600.00 2/9/00 3/1/25 300 122.13 812 001 5629068 001 $65,000.00 $65,000.00 2/9/00 3/1/25 300 114.22 812 001 5629076 001 $45,200.00 $45,200.00 2/7/00 3/1/25 300 97.77 812 001 5629084 001 $22,000.00 $22,000.00 2/11/00 3/1/25 300 121.67 812 001 5629100 001 $32,100.00 $32,100.00 2/12/00 3/1/15 180 118.45 812 001 5629118 001 $53,000.00 $53,000.00 2/8/00 3/1/15 180 113.36 812 001 5629142 001 $32,500.00 $32,500.00 2/7/00 3/1/15 180 111.44 812 001 5629225 001 $25,000.00 $25,000.00 2/9/00 3/1/25 300 116.58 812 001 5629241 001 $21,000.00 $21,000.00 2/7/00 3/1/15 180 103.84 812 001 5629258 001 $62,250.00 $62,250.00 2/10/00 3/1/25 300 121.18 812 001 5629266 001 $50,000.00 $50,000.00 2/8/00 3/1/25 300 104.17 812 001 5629274 001 $55,500.00 $55,500.00 2/12/00 3/1/25 300 107.21 812 001 5629308 001 $49,000.00 $49,000.00 2/11/00 3/1/25 300 108.99 812 001 5629316 001 $45,500.00 $45,500.00 2/10/00 3/1/25 300 107.14 812 001 5629357 001 $53,800.00 $53,800.00 2/10/00 3/1/25 300 121.97 812 001 5629365 001 $31,600.00 $31,600.00 2/10/00 3/1/25 300 115.21 812 001 5629399 001 $15,300.00 $15,300.00 2/10/00 3/1/15 180 107.85 812 001 5629415 001 $35,000.00 $35,000.00 2/10/00 3/1/15 180 105.07 812 001 5629423 001 $71,600.00 $71,600.00 2/8/00 3/1/25 300 108.26 812 001 5629449 001 $21,800.00 $21,800.00 2/9/00 3/1/15 180 120.82 812 001 5629464 001 $65,900.00 $65,900.00 2/8/00 3/1/25 300 107.73 812 001 5629506 001 $79,300.00 $79,300.00 2/10/00 3/1/15 180 108.91 812 001 5629522 001 $52,500.00 $52,500.00 2/12/00 3/1/25 300 116.14 812 001 5629530 001 $30,000.00 $30,000.00 2/12/00 3/1/15 180 116.13 812 001 5629662 001 $34,600.00 $34,600.00 2/9/00 3/1/25 300 122.82 812 001 5629704 001 $66,000.00 $66,000.00 2/14/00 3/1/25 300 110.83 812 001 5629712 001 $34,900.00 $34,900.00 2/11/00 3/1/25 300 115.31 812 001 5629738 001 $15,000.00 $15,000.00 2/10/00 3/1/15 180 100.10 812 001 5629795 001 $22,300.00 $22,300.00 2/10/00 3/1/15 180 113.42 812 001 5629829 001 $16,100.00 $16,100.00 2/12/00 3/1/25 300 96.16 812 001 5629886 001 $25,500.00 $25,500.00 2/11/00 3/1/25 300 101.99 812 001 5629969 001 $52,000.00 $52,000.00 2/13/00 3/1/25 300 124.87 812 001 5629985 001 $35,800.00 $35,800.00 2/11/00 3/1/15 180 112.86 812 001 5629993 001 $32,800.00 $32,800.00 2/11/00 3/1/15 180 117.40 812 001 5630009 001 $37,800.00 $37,800.00 2/12/00 3/1/25 300 119.71 812 001 5630066 001 $30,000.00 $30,000.00 2/7/00 3/1/25 300 112.80 812 001 5630082 001 $38,200.00 $38,200.00 2/11/00 3/1/25 300 103.59 812 001 5630090 001 $65,000.00 $65,000.00 2/9/00 3/1/25 300 120.56 812 001 5630140 001 $43,000.00 $43,000.00 2/10/00 3/1/15 180 124.57 812 001 5630165 001 $37,400.00 $37,400.00 2/11/00 3/1/15 180 124.27 812 001 5630173 001 $79,000.00 $77,987.68 2/9/00 3/1/25 300 117.47 812 001 5630249 001 $40,000.00 $40,000.00 2/10/00 3/1/15 180 108.32 812 001 5630264 001 $50,400.00 $50,400.00 2/9/00 3/1/25 300 115.36 812 001 5630314 001 $61,000.00 $61,000.00 2/11/00 3/1/15 180 76.38 812 001 5630371 001 $28,500.00 $28,500.00 2/13/00 3/1/25 300 115.60 812 001 5630389 001 $26,920.00 $26,920.00 2/12/00 3/1/15 180 119.37 812 001 5630421 001 $42,764.00 $42,764.00 2/12/00 3/1/25 300 119.93 812 001 5630447 001 $43,600.00 $43,600.00 2/8/00 3/1/20 240 124.13 812 001 5630462 001 $31,900.00 $31,900.00 2/11/00 3/1/25 300 118.25 812 001 5630470 001 $52,800.00 $52,800.00 2/10/00 3/1/25 300 124.52 812 001 5630553 001 $25,000.00 $25,000.00 2/12/00 3/1/25 300 104.37 812 001 5630561 001 $80,000.00 $80,000.00 2/10/00 3/1/15 180 124.44 812 001 5630579 001 $24,400.00 $24,400.00 2/12/00 3/1/15 180 100.87 812 001 5630660 001 $33,600.00 $33,600.00 2/14/00 3/1/25 300 118.56 812 001 5630694 001 $51,000.00 $51,000.00 2/9/00 3/1/15 180 105.37 812 001 5630702 001 $40,000.00 $40,000.00 2/11/00 3/1/15 180 113.45 812 001 5630777 001 $37,000.00 $37,000.00 2/11/00 3/1/25 300 119.67 812 001 5630819 001 $25,000.00 $25,000.00 2/14/00 3/1/25 300 109.70 812 001 5630850 001 $37,000.00 $37,000.00 2/14/00 3/1/25 300 108.75 812 001 5634340 001 $44,450.00 $44,450.00 2/17/00 3/1/25 300 125.00 812 001 5634373 001 $40,000.00 $40,000.00 2/17/00 3/1/25 300 120.98 812 001 5634399 001 $30,000.00 $30,000.00 2/16/00 3/1/15 180 109.80 812 001 5634456 001 $61,000.00 $61,000.00 2/15/00 3/1/25 300 104.70 812 001 5634472 001 $75,500.00 $75,500.00 2/9/00 3/1/25 300 114.06 812 001 5634506 001 $80,000.00 $79,974.75 1/29/00 2/1/25 300 114.75 812 001 5634514 001 $63,800.00 $63,800.00 2/9/00 3/1/25 300 113.93 812 001 5634522 001 $25,000.00 $25,000.00 2/2/00 3/1/25 300 107.89 812 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300 99.70 812 001 5635347 001 $27,500.00 $27,500.00 2/7/00 3/1/25 300 116.74 812 001 5635388 001 $17,400.00 $17,400.00 2/8/00 3/1/25 300 101.92 812 001 5635404 001 $47,600.00 $47,600.00 2/11/00 3/1/25 300 112.52 812 001 5635453 001 $46,100.00 $46,100.00 2/15/00 3/1/25 300 124.48 812 001 5635511 001 $66,000.00 $66,000.00 2/12/00 3/1/25 300 119.86 812 001 5635529 001 $22,000.00 $22,000.00 2/17/00 3/1/15 180 124.36 812 001 5635545 001 $25,000.00 $25,000.00 2/10/00 3/1/25 300 101.23 812 001 5635586 001 $45,000.00 $45,000.00 2/14/00 3/1/25 300 124.59 812 001 5635628 001 $33,600.00 $33,600.00 2/16/00 3/1/25 300 118.67 812 001 5635677 001 $78,000.00 $78,000.00 2/10/00 3/1/25 300 96.67 812 001 5635719 001 $30,500.00 $30,500.00 2/14/00 3/1/25 300 101.54 812 001 5635735 001 $72,000.00 $72,000.00 2/17/00 3/1/25 300 107.82 812 001 5635800 001 $31,800.00 $31,800.00 2/11/00 3/1/20 240 103.26 812 001 5635859 001 $36,000.00 $36,000.00 2/17/00 3/1/15 180 102.94 812 001 5635891 001 $32,000.00 $32,000.00 2/16/00 3/1/25 300 124.41 812 001 5635958 001 $23,500.00 $23,500.00 2/11/00 3/1/15 180 109.56 812 001 5635966 001 $85,000.00 $85,000.00 2/16/00 3/1/25 300 122.49 812 001 5636071 001 $25,100.00 $25,100.00 2/18/00 3/1/15 180 114.00 812 001 5636089 001 $15,300.00 $15,300.00 2/17/00 3/1/15 180 107.56 812 001 5636147 001 $38,000.00 $38,000.00 2/18/00 3/1/15 180 121.66 812 001 5636204 001 $26,000.00 $26,000.00 2/14/00 3/1/15 180 99.24 812 001 5639760 001 $44,000.00 $44,000.00 2/8/00 3/1/15 180 96.69 812 001 5639836 001 $46,200.00 $46,200.00 2/12/00 3/1/15 180 112.32 812 001 5639869 001 $85,000.00 $85,000.00 2/15/00 3/1/25 300 118.87 812 001 5639877 001 $85,000.00 $85,000.00 2/15/00 3/1/25 300 124.85 812 001 5639893 001 $25,000.00 $25,000.00 2/11/00 3/1/25 300 98.01 812 001 5639901 001 $125,000.00 $125,000.00 2/16/00 3/1/25 300 124.89 812 001 5639943 001 $15,000.00 $15,000.00 2/8/00 3/1/15 180 124.80 812 001 5639968 001 $15,800.00 $15,800.00 2/10/00 3/1/25 300 107.42 812 001 5639992 001 $50,000.00 $50,000.00 1/28/00 2/1/25 300 103.86 812 001 5640065 001 $25,000.00 $25,000.00 2/7/00 3/1/15 180 96.36 812 001 5640115 001 $40,000.00 $39,928.97 1/27/00 2/1/15 180 120.52 812 001 5640149 001 $56,000.00 $56,000.00 2/15/00 3/1/25 300 112.81 812 001 5640198 001 $20,000.00 $20,000.00 2/16/00 3/1/25 300 118.51 812 001 5640214 001 $70,000.00 $70,000.00 2/9/00 3/1/25 300 116.60 812 001 5640248 001 $32,700.00 $32,700.00 2/2/00 3/1/25 300 108.63 812 001 5640297 001 $15,000.00 $15,000.00 2/3/00 3/1/10 120 112.53 812 001 5640321 001 $38,500.00 $38,500.00 2/10/00 3/1/25 300 120.34 812 001 5640339 001 $47,100.00 $47,100.00 2/11/00 3/1/25 300 120.09 812 001 5640354 001 $15,000.00 $15,000.00 2/5/00 3/1/20 240 94.15 812 001 5640362 001 $76,800.00 $76,800.00 2/2/00 3/1/25 300 111.80 812 001 5640453 001 $35,000.00 $35,000.00 2/8/00 3/1/25 300 124.20 812 001 5640487 001 $65,000.00 $65,000.00 2/5/00 3/1/25 300 124.77 812 001 5640495 001 $56,000.00 $56,000.00 2/3/00 3/1/25 300 97.10 812 001 5640503 001 $37,800.00 $37,800.00 2/14/00 3/1/25 300 100.80 812 001 5640511 001 $50,000.00 $50,000.00 2/8/00 3/1/25 300 103.91 812 001 5640644 001 $38,000.00 $38,000.00 2/11/00 3/1/25 300 105.45 812 001 5640677 001 $30,900.00 $30,900.00 2/15/00 3/1/15 180 107.37 812 001 5640719 001 $41,500.00 $41,500.00 2/11/00 3/1/15 180 115.97 812 001 5640735 001 $21,750.00 $21,750.00 2/9/00 3/1/25 300 100.82 812 001 5640776 001 $18,400.00 $18,400.00 2/4/00 3/1/25 300 113.62 812 001 5640818 001 $32,900.00 $32,900.00 2/28/00 3/1/25 300 108.31 812 001 5640826 001 $81,000.00 $81,000.00 2/11/00 3/1/25 300 106.56 812 001 5640834 001 $56,000.00 $56,000.00 2/7/00 3/1/15 180 101.94 812 001 5640883 001 $18,000.00 $18,000.00 2/9/00 3/1/25 300 98.65 812 001 5640891 001 $38,500.00 $38,500.00 2/11/00 3/1/15 180 115.82 812 001 5640909 001 $31,700.00 $31,700.00 2/9/00 3/1/25 300 101.77 812 001 5640958 001 $80,200.00 $80,200.00 2/14/00 3/1/15 180 124.24 812 001 5640982 001 $30,000.00 $30,000.00 2/16/00 3/1/15 180 122.23 812 001 5641022 001 $20,000.00 $20,000.00 2/11/00 3/1/15 180 106.83 812 001 5641030 001 $26,700.00 $26,700.00 2/9/00 3/1/25 300 123.03 812 001 5641063 001 $80,700.00 $80,700.00 2/15/00 3/1/15 180 119.53 812 001 5641121 001 $52,300.00 $52,300.00 4/7/00 3/1/15 180 117.79 812 001 5641139 001 $38,000.00 $38,000.00 2/11/00 3/1/15 180 110.64 812 001 5641154 001 $26,300.00 $26,300.00 2/9/00 3/1/25 300 123.93 812 001 5641162 001 $45,700.00 $45,700.00 2/8/00 3/1/15 180 116.43 812 001 5641188 001 $70,000.00 $70,000.00 2/11/00 3/1/15 180 120.20 812 001 5641212 001 $26,000.00 $26,000.00 2/10/00 3/1/25 300 114.29 812 001 5641238 001 $36,500.00 $36,500.00 2/14/00 3/1/25 300 116.10 812 001 5641253 001 $33,500.00 $33,500.00 2/15/00 3/1/25 300 122.66 812 001 5641261 001 $62,000.00 $62,000.00 2/9/00 3/1/25 300 122.12 812 001 5641303 001 $29,000.00 $29,000.00 2/15/00 3/1/25 300 110.73 812 001 5641329 001 $60,000.00 $60,000.00 2/10/00 3/1/25 300 112.46 812 001 5641345 001 $16,800.00 $16,800.00 2/16/00 3/1/15 180 105.03 812 001 5641360 001 $48,700.00 $48,700.00 2/12/00 3/1/15 180 124.01 812 001 5641394 001 $33,500.00 $33,500.00 2/15/00 3/1/25 300 93.92 812 001 5641410 001 $15,000.00 $15,000.00 2/11/00 3/1/15 180 84.65 812 001 5641535 001 $44,000.00 $44,000.00 2/15/00 3/1/15 180 83.45 812 001 5641543 001 $25,400.00 $25,400.00 2/12/00 3/1/25 300 121.44 812 001 5641584 001 $31,000.00 $31,000.00 2/10/00 3/1/25 300 94.14 812 001 5641600 001 $33,100.00 $33,100.00 2/16/00 3/1/15 180 116.91 812 001 5641626 001 $15,000.00 $15,000.00 2/15/00 3/1/15 180 107.00 812 001 5641634 001 $33,000.00 $33,000.00 2/16/00 3/1/15 180 116.85 812 001 5641642 001 $37,500.00 $37,500.00 2/15/00 3/1/25 300 119.62 812 001 5641659 001 $39,400.00 $39,400.00 2/10/00 3/1/25 300 100.25 812 001 5641667 001 $23,800.00 $23,800.00 2/17/00 3/1/15 180 123.98 812 001 5641709 001 $34,300.00 $34,300.00 2/15/00 3/1/25 300 96.25 812 001 5641717 001 $17,000.00 $17,000.00 2/14/00 3/1/25 300 100.92 812 001 5641758 001 $45,000.00 $45,000.00 2/15/00 3/1/15 180 105.21 812 001 5641766 001 $37,800.00 $37,800.00 2/15/00 3/1/25 300 121.24 812 001 5641774 001 $32,800.00 $32,800.00 2/10/00 3/1/25 300 114.15 812 001 5641824 001 $54,100.00 $54,100.00 2/11/00 3/1/25 300 92.50 812 001 5641840 001 $15,000.00 $15,000.00 2/16/00 3/1/15 180 104.00 812 001 5641857 001 $40,000.00 $40,000.00 2/15/00 3/1/15 180 101.88 812 001 5641865 001 $45,000.00 $45,000.00 2/16/00 3/1/25 300 103.30 812 001 5641899 001 $66,800.00 $66,800.00 2/15/00 3/1/25 300 122.95 812 001 5641907 001 $37,000.00 $37,000.00 2/16/00 3/1/25 300 113.92 812 001 5641998 001 $75,000.00 $75,000.00 2/16/00 3/1/20 240 117.07 812 001 5642020 001 $15,000.00 $15,000.00 2/15/00 3/1/15 180 112.81 812 001 5642053 001 $34,500.00 $34,500.00 2/17/00 3/1/15 180 120.71 812 001 5642079 001 $72,500.00 $72,500.00 2/18/00 3/1/25 300 124.84 812 001 5642087 001 $24,000.00 $24,000.00 2/16/00 3/1/20 240 119.80 812 001 5642152 001 $125,000.00 $125,000.00 2/8/00 3/1/15 180 89.25 812 001 5642194 001 $70,000.00 $70,000.00 2/16/00 3/1/25 300 116.80 812 001 5642202 001 $46,000.00 $46,000.00 2/14/00 3/1/25 300 110.82 812 001 5642210 001 $100,000.00 $100,000.00 2/12/00 3/1/25 300 116.88 812 001 5642228 001 $21,500.00 $21,500.00 1/21/00 3/1/25 300 110.95 812 001 5642269 001 $20,000.00 $20,000.00 2/11/00 3/1/25 300 90.85 812 001 5642319 001 $60,000.00 $60,000.00 2/17/00 3/1/15 180 121.50 812 001 5642327 001 $80,000.00 $80,000.00 2/13/00 3/1/25 300 110.17 812 001 5642335 001 $55,000.00 $55,000.00 2/18/00 3/1/25 300 123.16 812 001 5642434 001 $40,100.00 $40,100.00 2/18/00 3/1/15 180 113.91 812 001 5642442 001 $100,000.00 $100,000.00 2/8/00 3/1/25 300 118.67 812 001 5642467 001 $150,000.00 $149,951.55 1/28/00 2/1/25 300 121.29 812 001 5642517 001 $37,000.00 $37,000.00 2/10/00 3/1/25 300 110.15 812 001 5642541 001 $85,000.00 $85,000.00 2/15/00 3/1/25 300 113.08 812 001 5642616 001 $20,300.00 $20,300.00 2/5/00 3/1/25 300 117.87 812 001 5642640 001 $45,000.00 $45,000.00 2/7/00 3/1/25 300 121.33 812 001 5642707 001 $29,500.00 $29,500.00 2/15/00 3/1/25 300 113.41 812 001 5642723 001 $35,000.00 $35,000.00 2/18/00 3/1/25 300 103.66 812 001 5642889 001 $53,200.00 $53,200.00 2/10/00 3/1/15 180 123.25 812 001 5642954 001 $48,000.00 $48,000.00 2/11/00 3/1/25 300 125.00 812 001 5643010 001 $50,000.00 $50,000.00 2/7/00 3/1/25 300 112.96 812 001 5643036 001 $58,800.00 $58,800.00 2/12/00 3/1/25 300 107.06 812 001 5643093 001 $85,000.00 $85,000.00 2/10/00 3/1/25 300 124.32 812 001 5643101 001 $31,800.00 $31,800.00 2/18/00 3/1/25 300 118.59 812 001 5643143 001 $20,800.00 $20,800.00 2/15/00 3/1/25 300 103.30 812 001 5643176 001 $24,700.00 $24,700.00 2/15/00 3/1/25 300 108.18 812 001 5643184 001 $54,100.00 $54,100.00 2/12/00 3/1/25 300 119.05 812 001 5643192 001 $28,700.00 $28,700.00 2/15/00 3/1/25 300 117.16 812 001 5643200 001 $63,000.00 $63,000.00 2/17/00 3/1/25 300 121.74 812 001 5643226 001 $63,200.00 $63,200.00 2/10/00 3/1/25 300 98.67 812 001 5643234 001 $16,000.00 $16,000.00 2/18/00 3/1/25 300 107.31 812 001 5643242 001 $21,420.00 $21,420.00 2/15/00 3/1/15 180 115.70 812 001 5643283 001 $38,000.00 $38,000.00 2/18/00 3/1/25 300 115.00 812 001 5643366 001 $50,000.00 $50,000.00 2/18/00 3/1/25 300 105.00 812 001 5643390 001 $25,900.00 $25,900.00 2/18/00 3/1/25 300 109.37 812 001 5643432 001 $38,000.00 $38,000.00 2/18/00 3/1/25 300 123.53 812 001 5643473 001 $27,100.00 $27,100.00 2/18/00 3/1/25 300 118.05 812 001 5643507 001 $30,000.00 $30,000.00 2/16/00 3/1/15 180 97.85 812 001 5643515 001 $51,000.00 $51,000.00 2/15/00 3/1/15 180 101.24 812 001 5643549 001 $19,000.00 $19,000.00 2/15/00 3/1/15 180 109.03 812 001 5643556 001 $36,600.00 $36,600.00 2/18/00 3/1/25 300 123.20 812 001 5643606 001 $22,000.00 $22,000.00 2/17/00 3/1/25 300 107.11 812 001 5643648 001 $31,000.00 $31,000.00 2/18/00 3/1/20 240 94.20 812 001 5643671 001 $18,800.00 $18,800.00 2/18/00 3/1/25 300 118.30 812 001 5643705 001 $28,000.00 $28,000.00 2/16/00 3/1/20 240 118.65 812 001 5643713 001 $44,000.00 $44,000.00 2/19/00 3/1/15 180 119.55 812 001 5643747 001 $107,800.00 $107,800.00 2/17/00 3/1/25 300 123.65 812 001 5643762 001 $49,000.00 $49,000.00 2/16/00 3/1/25 300 124.16 812 001 5643770 001 $43,000.00 $43,000.00 2/14/00 3/1/20 240 102.45 812 001 5643820 001 $70,000.00 $70,000.00 2/18/00 3/1/25 300 112.83 812 001 5643838 001 $30,000.00 $30,000.00 2/19/00 3/1/25 300 120.44 812 001 5643879 001 $35,000.00 $35,000.00 2/15/00 3/1/15 180 120.52 812 001 5643887 001 $25,900.00 $25,900.00 2/18/00 3/1/15 180 110.86 812 001 5643895 001 $25,000.00 $25,000.00 2/18/00 3/1/15 180 114.55 812 001 5643903 001 $40,000.00 $40,000.00 2/18/00 3/1/20 240 122.04 812 001 5643911 001 $67,600.00 $67,600.00 2/17/00 3/1/15 180 106.19 812 001 5643937 001 $52,400.00 $52,400.00 2/18/00 3/1/25 300 118.01 812 001 5643952 001 $60,000.00 $60,000.00 2/18/00 3/1/25 300 121.98 812 001 5644034 001 $101,700.00 $101,700.00 2/18/00 3/1/25 300 122.36 812 001 5644083 001 $85,000.00 $85,000.00 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$40,000.00 $40,000.00 2/7/00 3/1/25 300 99.04 812 001 5650536 001 $30,700.00 $30,700.00 2/6/00 3/1/25 300 103.88 812 001 5650676 001 $33,100.00 $33,100.00 2/14/00 3/1/20 240 109.54 812 001 5650700 001 $41,100.00 $41,100.00 2/17/00 3/1/25 300 116.60 812 001 5650726 001 $85,000.00 $85,000.00 2/17/00 3/1/25 300 117.14 812 001 5650759 001 $34,000.00 $34,000.00 2/16/00 3/1/20 240 115.76 812 001 5650866 001 $20,000.00 $20,000.00 2/4/00 3/1/25 300 107.14 812 001 5650924 001 $47,200.00 $47,200.00 2/16/00 3/1/25 300 124.17 812 001 5650940 001 $83,000.00 $83,000.00 2/7/00 3/1/25 300 123.13 812 001 5650973 001 $67,000.00 $67,000.00 2/10/00 3/1/25 300 124.38 812 001 5650999 001 $41,000.00 $41,000.00 2/9/00 3/1/25 300 98.29 812 001 5651013 001 $35,000.00 $35,000.00 2/14/00 3/1/25 300 101.42 812 001 5651021 001 $32,300.00 $32,300.00 2/16/00 3/1/15 180 113.79 812 001 5651146 001 $85,000.00 $85,000.00 2/16/00 3/1/15 180 106.69 812 001 5651153 001 $34,700.00 $34,700.00 2/15/00 3/1/25 300 114.71 812 001 5651161 001 $30,000.00 $30,000.00 2/8/00 3/1/15 180 110.37 812 001 5651179 001 $38,000.00 $38,000.00 2/9/00 3/1/15 180 99.40 812 001 5651252 001 $50,000.00 $50,000.00 2/14/00 3/1/25 300 122.81 812 001 5651260 001 $39,800.00 $39,800.00 2/16/00 3/1/15 180 108.33 812 001 5651278 001 $50,000.00 $50,000.00 2/21/00 3/1/25 300 112.99 812 001 5651336 001 $49,800.00 $49,800.00 2/18/00 3/1/25 300 110.96 812 001 5651344 001 $33,500.00 $33,500.00 2/19/00 3/1/25 300 84.41 812 001 5651351 001 $26,000.00 $26,000.00 2/16/00 3/1/25 300 99.16 812 001 5651377 001 $30,000.00 $30,000.00 2/18/00 3/1/15 180 124.62 812 001 5651401 001 $50,000.00 $50,000.00 2/16/00 3/1/15 180 118.52 812 001 5651419 001 $79,000.00 $79,000.00 2/14/00 3/1/25 300 118.13 812 001 5651435 001 $19,800.00 $19,800.00 2/15/00 3/1/25 300 106.01 812 001 5651492 001 $32,150.00 $32,150.00 2/18/00 3/1/15 180 112.80 812 001 5651500 001 $44,000.00 $44,000.00 2/19/00 3/1/15 180 98.62 812 001 5651526 001 $35,000.00 $35,000.00 2/16/00 3/1/15 180 108.07 812 001 5651575 001 $85,000.00 $85,000.00 2/11/00 3/1/25 300 90.46 812 001 5651583 001 $33,500.00 $33,500.00 2/14/00 3/1/15 180 114.38 812 001 5651617 001 $17,000.00 $17,000.00 2/18/00 3/1/15 180 105.25 812 001 5651625 001 $125,000.00 $125,000.00 2/15/00 3/1/25 300 124.60 812 001 5651641 001 $51,000.00 $51,000.00 2/18/00 3/1/25 300 102.35 812 001 5651658 001 $126,000.00 $126,000.00 2/16/00 3/1/25 300 124.83 812 001 5651674 001 $50,800.00 $50,800.00 2/18/00 3/1/15 180 99.10 812 001 5651682 001 $22,600.00 $22,600.00 2/21/00 3/1/15 180 107.83 812 001 5651724 001 $87,000.00 $87,000.00 2/16/00 3/1/25 300 113.05 812 001 5651765 001 $17,000.00 $17,000.00 2/16/00 3/1/15 180 106.65 812 001 5651807 001 $81,000.00 $81,000.00 2/17/00 3/1/25 300 124.14 812 001 5651823 001 $15,000.00 $15,000.00 2/14/00 3/1/15 180 112.68 812 001 5651831 001 $81,000.00 $81,000.00 2/16/00 3/1/25 300 101.82 812 001 5651880 001 $63,900.00 $63,900.00 2/16/00 3/1/25 300 106.94 812 001 5651906 001 $28,600.00 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5652383 001 $25,000.00 $25,000.00 2/19/00 3/1/25 300 109.87 812 001 5652391 001 $50,000.00 $50,000.00 2/16/00 3/1/25 300 110.35 812 001 5652433 001 $60,000.00 $60,000.00 2/19/00 3/1/15 180 115.75 812 001 5652458 001 $45,000.00 $45,000.00 2/16/00 3/1/15 180 122.06 812 001 5652474 001 $89,000.00 $89,000.00 2/21/00 3/1/25 300 121.81 812 001 5652490 001 $54,000.00 $54,000.00 2/14/00 3/1/25 300 124.69 812 001 5652508 001 $20,500.00 $20,500.00 2/16/00 3/1/25 300 119.86 812 001 5652516 001 $15,000.00 $15,000.00 2/18/00 3/1/25 300 93.69 812 001 5652557 001 $32,800.00 $32,800.00 2/19/00 3/1/15 180 97.12 812 001 5652565 001 $20,000.00 $20,000.00 2/18/00 3/1/25 300 112.53 812 001 5652607 001 $37,800.00 $37,800.00 2/18/00 3/1/25 300 103.73 812 001 5652672 001 $41,700.00 $41,700.00 2/18/00 3/1/25 300 97.07 812 001 5652698 001 $38,000.00 $38,000.00 2/15/00 3/1/15 180 120.31 812 001 5652714 001 $31,500.00 $31,500.00 2/19/00 3/1/15 180 122.01 812 001 5652730 001 $30,000.00 $30,000.00 2/17/00 3/1/25 300 110.69 812 001 5652771 001 $47,500.00 $47,500.00 2/16/00 3/1/15 180 116.82 812 001 5652862 001 $22,500.00 $22,500.00 2/22/00 3/1/25 300 115.38 812 001 5652870 001 $31,400.00 $31,400.00 2/21/00 3/1/25 300 92.13 812 001 5652912 001 $28,300.00 $28,300.00 2/16/00 3/1/15 180 118.54 812 001 5652920 001 $40,000.00 $40,000.00 2/18/00 3/1/25 300 105.94 812 001 5653001 001 $34,200.00 $34,200.00 2/17/00 3/1/25 300 106.41 812 001 5653027 001 $22,300.00 $22,300.00 2/19/00 3/1/15 180 115.56 812 001 5653050 001 $85,000.00 $85,000.00 2/21/00 3/1/25 300 117.47 812 001 5653092 001 $31,500.00 $31,500.00 2/17/00 3/1/25 300 110.84 812 001 5653159 001 $72,500.00 $72,500.00 2/17/00 3/1/25 300 115.97 812 001 5653167 001 $60,800.00 $60,800.00 2/19/00 3/1/25 300 114.11 812 001 5653191 001 $43,000.00 $43,000.00 2/16/00 3/1/25 300 122.28 812 001 5653258 001 $28,400.00 $28,400.00 2/18/00 3/1/15 180 116.07 812 001 5653266 001 $30,300.00 $30,300.00 2/20/00 3/1/15 180 114.93 812 001 5653308 001 $42,000.00 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5661723 001 $37,400.00 $37,400.00 2/2/00 3/1/25 300 104.21 812 001 5661756 001 $50,000.00 $50,000.00 2/9/00 3/1/15 180 109.04 812 001 5661772 001 $67,200.00 $67,200.00 2/13/00 3/1/25 300 109.33 812 001 5661863 001 $70,000.00 $70,000.00 2/15/00 3/1/25 300 115.05 812 001 5661889 001 $35,500.00 $35,500.00 2/9/00 3/1/15 180 118.81 812 001 5661913 001 $61,500.00 $61,500.00 2/18/00 3/1/25 300 104.97 812 001 5661954 001 $50,000.00 $50,000.00 2/22/00 3/1/25 300 117.85 812 001 5661988 001 $85,000.00 $85,000.00 2/22/00 3/1/25 300 117.21 812 001 5662002 001 $21,000.00 $21,000.00 2/11/00 3/1/15 180 116.35 812 001 5662010 001 $15,000.00 $15,000.00 2/24/00 3/1/15 180 96.21 812 001 5662028 001 $60,000.00 $60,000.00 2/21/00 3/1/25 300 124.98 812 001 5662036 001 $42,400.00 $42,400.00 2/19/00 3/1/25 300 103.93 812 001 5662051 001 $55,000.00 $55,000.00 2/18/00 3/1/25 300 124.61 812 001 5662119 001 $36,800.00 $36,800.00 2/23/00 3/1/25 300 112.55 812 001 5662135 001 $61,300.00 $61,300.00 2/18/00 3/1/25 300 104.74 812 001 5662143 001 $85,000.00 $85,000.00 2/18/00 3/1/25 300 105.20 812 001 5662192 001 $36,500.00 $36,500.00 2/24/00 3/1/15 180 124.86 812 001 5662226 001 $40,000.00 $40,000.00 2/22/00 3/1/15 180 115.18 812 001 5662234 001 $13,000.00 $13,000.00 2/16/00 3/1/25 300 89.52 812 001 5662242 001 $26,300.00 $26,300.00 2/14/00 3/1/10 120 104.70 812 001 5662283 001 $81,500.00 $81,500.00 2/19/00 3/1/25 300 112.35 812 001 5662291 001 $30,000.00 $30,000.00 2/21/00 3/1/15 180 120.18 812 001 5662309 001 $30,300.00 $30,300.00 2/16/00 3/1/25 300 94.06 812 001 5662358 001 $28,500.00 $28,500.00 2/16/00 3/1/15 180 107.05 812 001 5662366 001 $49,000.00 $49,000.00 2/11/00 3/1/15 180 124.06 812 001 5662408 001 $77,000.00 $77,000.00 2/8/00 3/1/25 300 124.94 812 001 5662416 001 $51,000.00 $51,000.00 2/19/00 3/1/25 300 100.21 812 001 5662424 001 $41,000.00 $41,000.00 2/8/00 3/1/15 180 113.56 812 001 5662473 001 $78,000.00 $78,000.00 2/11/00 3/1/15 180 115.45 812 001 5662481 001 $35,000.00 $35,000.00 2/14/00 3/1/25 300 113.04 812 001 5662515 001 $50,000.00 $50,000.00 2/17/00 3/1/25 300 119.75 812 001 5662523 001 $21,000.00 $21,000.00 2/17/00 3/1/25 300 112.44 812 001 5662606 001 $60,000.00 $60,000.00 2/9/00 3/1/25 300 117.61 812 001 5662630 001 $15,000.00 $15,000.00 2/22/00 3/1/25 300 104.00 812 001 5662747 001 $16,500.00 $16,500.00 2/21/00 3/1/15 180 111.53 812 001 5662762 001 $83,500.00 $83,500.00 2/17/00 3/1/20 240 113.34 812 001 5662770 001 $101,000.00 $101,000.00 2/21/00 3/1/20 240 110.65 812 001 5662812 001 $53,900.00 $53,900.00 2/16/00 3/1/25 300 122.89 812 001 5662820 001 $55,000.00 $55,000.00 2/14/00 3/1/25 300 120.99 812 001 5662846 001 $60,000.00 $60,000.00 2/16/00 3/1/15 180 124.94 812 001 5662911 001 $41,500.00 $41,500.00 2/18/00 3/1/15 180 99.75 812 001 5662945 001 $25,000.00 $25,000.00 2/14/00 3/1/15 180 106.05 812 001 5662986 001 $116,000.00 $116,000.00 2/15/00 3/1/25 300 116.01 812 001 5663018 001 $29,400.00 $29,400.00 2/16/00 3/1/20 240 118.90 812 001 5663059 001 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812 001 5663802 001 $42,500.00 $42,500.00 2/21/00 3/1/15 180 122.64 812 001 5663828 001 $32,500.00 $32,500.00 2/23/00 3/1/15 180 107.33 812 001 5663836 001 $43,400.00 $43,400.00 2/18/00 3/1/15 180 101.41 812 001 5663851 001 $31,400.00 $31,400.00 2/17/00 3/1/15 180 109.95 812 001 5663919 001 $15,000.00 $15,000.00 2/17/00 3/1/15 180 112.45 812 001 5663927 001 $34,200.00 $34,200.00 2/22/00 3/1/25 300 107.42 812 001 5663968 001 $34,600.00 $34,600.00 2/17/00 3/1/25 300 117.96 812 001 5664016 001 $34,500.00 $34,500.00 2/18/00 3/1/25 300 111.73 812 001 5664081 001 $27,600.00 $27,600.00 2/22/00 3/1/15 180 106.79 812 001 5664131 001 $29,900.00 $29,900.00 2/21/00 3/1/25 300 102.52 812 001 5664180 001 $40,000.00 $40,000.00 2/16/00 3/1/15 180 122.30 812 001 5664198 001 $33,000.00 $33,000.00 2/17/00 3/1/15 180 110.71 812 001 5664214 001 $43,600.00 $43,600.00 2/18/00 3/1/25 300 111.94 812 001 5664263 001 $34,400.00 $34,400.00 2/15/00 3/1/15 180 94.66 812 001 5664370 001 $17,000.00 $17,000.00 2/19/00 3/1/15 180 102.65 812 001 5664420 001 $19,000.00 $19,000.00 2/15/00 3/1/15 180 113.34 812 001 5664438 001 $34,000.00 $34,000.00 2/21/00 3/1/25 300 114.17 812 001 5664453 001 $80,000.00 $80,000.00 2/16/00 3/1/25 300 120.81 812 001 5664487 001 $53,900.00 $53,900.00 2/16/00 3/1/25 300 119.05 812 001 5664503 001 $85,000.00 $85,000.00 2/18/00 3/1/25 300 123.90 812 001 5664511 001 $20,000.00 $20,000.00 2/22/00 3/1/25 300 119.45 812 001 5664537 001 $59,600.00 $59,600.00 2/15/00 3/1/25 300 53.83 812 001 5664552 001 $53,800.00 $53,800.00 2/21/00 3/1/25 300 117.49 812 001 5664560 001 $47,100.00 $47,100.00 2/17/00 3/1/15 180 115.90 812 001 5664586 001 $48,000.00 $48,000.00 2/17/00 3/1/20 240 117.75 812 001 5664602 001 $50,000.00 $50,000.00 2/21/00 3/1/25 300 107.59 812 001 5664644 001 $40,000.00 $40,000.00 2/18/00 3/1/15 180 113.99 812 001 5664651 001 $35,000.00 $35,000.00 2/22/00 3/1/25 300 121.41 812 001 5664677 001 $23,000.00 $23,000.00 2/17/00 3/1/25 300 89.39 812 001 5664685 001 $53,000.00 $53,000.00 2/23/00 3/1/25 300 124.81 812 001 5664719 001 $78,300.00 $78,300.00 2/21/00 3/1/25 300 122.28 812 001 5664743 001 $80,000.00 $80,000.00 2/16/00 3/1/15 180 106.14 812 001 5664750 001 $20,000.00 $20,000.00 2/21/00 3/1/25 300 118.90 812 001 5664792 001 $115,000.00 $115,000.00 2/18/00 3/1/25 300 117.12 812 001 5664800 001 $75,000.00 $75,000.00 2/21/00 3/1/25 300 103.73 812 001 5664875 001 $25,000.00 $25,000.00 2/16/00 3/1/15 180 115.79 812 001 5664982 001 $35,000.00 $35,000.00 2/23/00 3/1/15 180 117.56 812 001 5665013 001 $74,000.00 $74,000.00 2/18/00 3/1/25 300 108.00 812 001 5665070 001 $38,000.00 $38,000.00 2/21/00 3/1/25 300 108.23 812 001 5665088 001 $41,000.00 $41,000.00 2/23/00 3/1/15 180 61.10 812 001 5665096 001 $47,500.00 $47,500.00 2/17/00 3/1/25 300 112.02 812 001 5665112 001 $36,000.00 $36,000.00 2/22/00 3/1/15 180 97.38 812 001 5665138 001 $41,300.00 $41,300.00 2/21/00 3/1/25 300 109.06 812 001 5665146 001 $28,000.00 $28,000.00 2/22/00 3/1/25 300 118.00 812 001 5665187 001 $27,000.00 $27,000.00 2/22/00 3/1/15 180 108.00 812 001 5665203 001 $32,900.00 $32,900.00 2/22/00 3/1/25 300 121.91 812 001 5665245 001 $40,000.00 $40,000.00 2/22/00 3/1/25 300 120.91 812 001 5665260 001 $67,000.00 $67,000.00 2/22/00 3/1/25 300 124.49 812 001 5665302 001 $39,100.00 $39,100.00 2/17/00 3/1/15 180 110.72 812 001 5665310 001 $34,500.00 $34,500.00 2/17/00 3/1/15 180 120.56 812 001 5665336 001 $31,000.00 $31,000.00 2/22/00 3/1/15 180 117.28 812 001 5665351 001 $28,300.00 $28,300.00 2/17/00 3/1/15 180 102.32 812 001 5665427 001 $64,500.00 $64,500.00 2/22/00 3/1/15 180 111.71 812 001 5665435 001 $58,400.00 $58,400.00 2/17/00 3/1/25 300 109.50 812 001 5665468 001 $30,000.00 $30,000.00 2/22/00 3/1/25 300 110.33 812 001 5665476 001 $58,500.00 $58,500.00 2/22/00 3/1/25 300 116.97 812 001 5665492 001 $85,000.00 $85,000.00 2/23/00 3/1/25 300 117.50 812 001 5665500 001 $81,000.00 $81,000.00 2/22/00 3/1/25 300 123.52 812 001 5665518 001 $40,000.00 $40,000.00 2/21/00 3/1/25 300 106.96 812 001 5665534 001 $31,000.00 $31,000.00 2/23/00 3/1/15 180 124.22 812 001 5665542 001 $68,000.00 $68,000.00 2/23/00 3/1/25 300 125.00 812 001 5665559 001 $23,000.00 $23,000.00 2/22/00 3/1/25 300 102.92 812 001 5665609 001 $72,400.00 $72,400.00 2/22/00 3/1/25 300 124.39 812 001 5665617 001 $50,000.00 $50,000.00 2/18/00 3/1/25 300 116.43 812 001 5665625 001 $29,300.00 $29,300.00 2/22/00 3/1/15 180 102.51 812 001 5665666 001 $35,600.00 $35,600.00 2/23/00 3/1/25 300 120.87 812 001 5665690 001 $21,700.00 $21,700.00 2/19/00 3/1/25 300 96.91 812 001 5665740 001 $65,000.00 $65,000.00 2/18/00 3/1/25 300 117.17 812 001 5665765 001 $22,000.00 $22,000.00 2/19/00 3/1/15 180 109.63 812 001 5665799 001 $23,500.00 $23,500.00 2/19/00 3/1/15 180 109.91 812 001 5665815 001 $56,500.00 $56,500.00 2/23/00 3/1/25 300 117.92 812 001 5665823 001 $27,000.00 $27,000.00 2/23/00 3/1/15 180 87.45 812 001 5665849 001 $51,000.00 $51,000.00 2/23/00 3/1/25 300 116.98 812 001 5665880 001 $50,000.00 $50,000.00 2/22/00 3/1/25 300 95.74 812 001 5665898 001 $65,000.00 $65,000.00 2/23/00 3/1/15 180 101.70 812 001 5671177 001 $21,500.00 $21,500.00 1/13/00 2/1/15 180 82.44 812 001 5671201 001 $40,000.00 $40,000.00 2/21/00 3/1/25 300 112.98 812 001 5671334 001 $41,600.00 $41,600.00 2/14/00 3/1/25 300 111.33 812 001 5671342 001 $75,000.00 $75,000.00 2/23/00 3/1/25 300 122.31 812 001 5671359 001 $85,000.00 $85,000.00 2/22/00 3/1/25 300 98.61 812 001 5671367 001 $50,000.00 $50,000.00 2/22/00 3/1/25 300 118.33 812 001 5671490 001 $33,900.00 $33,900.00 2/21/00 3/1/25 300 120.93 812 001 5671524 001 $27,800.00 $27,800.00 2/24/00 3/1/15 180 116.20 812 001 5671557 001 $30,000.00 $30,000.00 1/19/00 3/1/25 300 124.60 812 001 5671631 001 $39,900.00 $39,900.00 2/23/00 3/1/15 180 99.97 812 001 5671656 001 $30,000.00 $30,000.00 2/14/00 3/1/25 300 99.94 812 001 5671680 001 $63,900.00 $63,900.00 2/18/00 3/1/25 300 123.77 812 001 5671706 001 $32,500.00 $32,500.00 2/18/00 3/1/25 300 95.69 812 001 5671714 001 $54,000.00 $54,000.00 2/10/00 3/1/15 180 111.79 812 001 5671755 001 $30,000.00 $30,000.00 2/5/00 3/1/15 180 122.27 812 001 5671854 001 $35,000.00 $35,000.00 2/18/00 3/1/15 180 115.80 812 001 5671870 001 $78,600.00 $78,600.00 2/16/00 3/1/20 240 116.45 812 001 5671896 001 $52,000.00 $52,000.00 2/21/00 3/1/25 300 124.58 812 001 5671904 001 $41,000.00 $41,000.00 2/15/00 3/1/15 180 109.12 812 001 5672001 001 $41,600.00 $41,600.00 2/15/00 3/1/25 300 109.17 812 001 5672035 001 $59,900.00 $59,900.00 2/24/00 3/1/15 180 110.74 812 001 5672050 001 $45,000.00 $45,000.00 2/24/00 3/1/20 240 109.62 812 001 5672134 001 $66,000.00 $66,000.00 2/21/00 3/1/25 300 120.38 812 001 5672159 001 $50,000.00 $50,000.00 2/5/00 3/1/25 300 121.83 812 001 5672217 001 $52,800.00 $52,800.00 2/18/00 3/1/25 300 111.47 812 001 5672266 001 $56,000.00 $56,000.00 2/24/00 3/1/25 300 113.13 812 001 5672308 001 $50,000.00 $50,000.00 2/7/00 3/1/25 300 122.23 812 001 5672316 001 $30,000.00 $30,000.00 2/14/00 3/1/15 180 100.41 812 001 5672340 001 $85,000.00 $85,000.00 2/24/00 3/1/15 180 108.86 812 001 5672373 001 $42,000.00 $42,000.00 2/17/00 3/1/15 180 121.03 812 001 5672399 001 $43,000.00 $43,000.00 2/24/00 3/1/15 180 118.63 812 001 5672407 001 $32,500.00 $32,500.00 2/22/00 3/1/15 180 114.11 812 001 5672431 001 $48,900.00 $48,900.00 2/9/00 3/1/25 300 116.38 812 001 5672449 001 $108,000.00 $108,000.00 2/22/00 3/1/15 180 124.40 812 001 5672464 001 $25,000.00 $25,000.00 2/18/00 3/1/25 300 124.40 812 001 5672480 001 $46,000.00 $46,000.00 2/24/00 3/1/15 180 121.82 812 001 5672548 001 $48,600.00 $48,600.00 2/24/00 3/1/25 300 124.15 812 001 5672597 001 $125,000.00 $125,000.00 2/17/00 3/1/25 300 125.00 812 001 5672621 001 $61,300.00 $61,300.00 2/21/00 3/1/15 180 117.92 812 001 5672647 001 $34,000.00 $34,000.00 2/19/00 3/1/25 300 92.42 812 001 5672662 001 $38,700.00 $38,700.00 2/7/00 3/1/25 300 108.80 812 001 5672688 001 $40,000.00 $40,000.00 2/21/00 3/1/25 300 108.80 812 001 5672704 001 $30,000.00 $30,000.00 2/9/00 3/1/15 180 116.15 812 001 5672738 001 $26,000.00 $26,000.00 2/9/00 3/1/15 180 99.31 812 001 5672746 001 $46,000.00 $46,000.00 2/12/00 3/1/25 300 110.00 812 001 5672761 001 $42,500.00 $42,500.00 2/7/00 3/1/20 240 111.91 812 001 5672803 001 $32,300.00 $32,300.00 2/23/00 3/1/25 300 122.95 812 001 5672829 001 $33,000.00 $33,000.00 2/23/00 3/1/25 300 83.19 812 001 5672878 001 $26,000.00 $26,000.00 2/9/00 3/1/15 180 101.85 812 001 5672902 001 $31,600.00 $31,600.00 2/8/00 3/1/25 300 119.22 812 001 5672936 001 $31,500.00 $31,500.00 2/16/00 3/1/25 300 124.45 812 001 5672951 001 $47,800.00 $47,800.00 2/14/00 3/1/25 300 112.80 812 001 5672969 001 $85,000.00 $85,000.00 2/15/00 3/1/25 300 108.97 812 001 5673223 001 $28,800.00 $28,800.00 2/23/00 3/1/15 180 111.18 812 001 5673249 001 $54,500.00 $54,500.00 2/11/00 3/1/15 180 121.70 812 001 5673264 001 $25,000.00 $25,000.00 2/23/00 3/1/20 240 91.30 812 001 5673314 001 $26,000.00 $26,000.00 2/22/00 3/1/25 300 110.37 812 001 5673330 001 $85,000.00 $85,000.00 2/10/00 3/1/25 300 121.14 812 001 5673348 001 $25,500.00 $25,500.00 2/24/00 3/1/15 180 100.89 812 001 5673355 001 $35,000.00 $35,000.00 2/24/00 3/1/25 300 109.64 812 001 5673405 001 $30,000.00 $30,000.00 2/11/00 3/1/25 300 84.63 812 001 5673462 001 $20,000.00 $20,000.00 2/24/00 3/1/15 180 92.37 812 001 5673546 001 $100,800.00 $100,800.00 2/15/00 3/1/25 300 119.49 812 001 5673553 001 $50,500.00 $50,500.00 2/18/00 3/1/25 300 120.90 812 001 5673561 001 $70,000.00 $70,000.00 2/10/00 3/1/15 180 122.83 812 001 5673611 001 $81,600.00 $81,600.00 2/14/00 3/1/25 300 119.09 812 001 5673678 001 $25,600.00 $25,600.00 2/24/00 3/1/25 300 96.67 812 001 5673694 001 $30,000.00 $30,000.00 2/10/00 3/1/15 180 120.90 812 001 5673702 001 $26,000.00 $26,000.00 2/15/00 3/1/25 300 114.65 812 001 5673728 001 $31,000.00 $31,000.00 2/19/00 3/1/15 180 110.04 812 001 5673744 001 $18,000.00 $18,000.00 2/24/00 3/1/15 180 111.43 812 001 5673850 001 $53,000.00 $53,000.00 2/11/00 3/1/25 300 124.92 812 001 5673900 001 $85,000.00 $85,000.00 2/21/00 3/1/25 300 122.84 812 001 5673934 001 $35,000.00 $35,000.00 2/12/00 3/1/25 300 91.79 812 001 5673967 001 $34,700.00 $34,700.00 2/11/00 3/1/25 300 110.03 812 001 5674007 001 $60,000.00 $60,000.00 2/22/00 3/1/25 300 86.92 812 001 5674031 001 $50,000.00 $50,000.00 2/19/00 3/1/15 180 122.55 812 001 5674155 001 $20,800.00 $20,800.00 2/18/00 3/1/25 300 124.97 812 001 5674221 001 $56,100.00 $56,100.00 2/12/00 3/1/15 180 107.99 812 001 5674304 001 $36,000.00 $36,000.00 2/18/00 3/1/25 300 116.60 812 001 5674320 001 $41,800.00 $41,800.00 2/18/00 3/1/25 300 109.08 812 001 5674338 001 $20,000.00 $20,000.00 2/18/00 3/1/25 300 117.10 812 001 5674429 001 $35,000.00 $35,000.00 2/15/00 3/1/25 300 110.51 812 001 5674452 001 $35,000.00 $35,000.00 2/24/00 3/1/15 180 112.73 812 001 5674478 001 $26,700.00 $26,700.00 2/17/00 3/1/15 180 112.40 812 001 5674502 001 $18,500.00 $18,500.00 2/14/00 3/1/25 300 106.15 812 001 5674585 001 $50,500.00 $50,500.00 2/17/00 3/1/25 300 116.93 812 001 5674601 001 $52,900.00 $52,900.00 2/19/00 3/1/25 300 110.28 812 001 5674627 001 $38,000.00 $38,000.00 2/24/00 3/1/25 300 118.73 812 001 5674692 001 $36,000.00 $36,000.00 2/21/00 3/1/25 300 118.49 812 001 5674833 001 $40,000.00 $40,000.00 2/18/00 3/1/15 180 113.02 812 001 5674890 001 $30,000.00 $30,000.00 2/24/00 3/1/15 180 95.72 812 001 5674916 001 $40,000.00 $40,000.00 2/18/00 3/1/25 300 57.28 812 001 5674965 001 $21,600.00 $21,600.00 2/17/00 3/1/15 180 92.43 812 001 5675004 001 $34,250.00 $34,250.00 2/23/00 3/1/25 300 124.90 812 001 5675038 001 $22,200.00 $22,200.00 2/21/00 3/1/25 300 100.96 812 001 5675053 001 $82,000.00 $82,000.00 2/18/00 3/1/25 300 124.03 812 001 5675061 001 $25,300.00 $25,300.00 2/15/00 3/1/15 180 110.08 812 001 5675103 001 $85,000.00 $85,000.00 2/17/00 3/1/25 300 123.48 812 001 5675129 001 $58,200.00 $58,200.00 2/16/00 3/1/25 300 102.00 812 001 5675152 001 $65,000.00 $65,000.00 2/20/00 3/1/25 300 121.19 812 001 5675160 001 $60,000.00 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5675624 001 $30,000.00 $30,000.00 2/22/00 3/1/15 180 116.09 812 001 5675657 001 $20,000.00 $20,000.00 2/21/00 3/1/25 300 91.39 812 001 5675798 001 $55,000.00 $55,000.00 2/17/00 3/1/15 180 98.37 812 001 5675822 001 $22,500.00 $22,500.00 2/17/00 3/1/20 240 111.29 812 001 5675830 001 $83,300.00 $83,300.00 2/22/00 3/1/25 300 109.95 812 001 5675855 001 $60,500.00 $60,500.00 2/17/00 3/1/15 180 105.15 812 001 5675863 001 $72,000.00 $72,000.00 2/23/00 3/1/25 300 121.23 812 001 5675905 001 $40,000.00 $40,000.00 2/22/00 3/1/25 300 100.76 812 001 5675921 001 $35,000.00 $35,000.00 2/21/00 3/1/25 300 123.27 812 001 5675954 001 $35,000.00 $35,000.00 2/18/00 3/1/25 300 102.93 812 001 5675970 001 $44,100.00 $44,100.00 2/22/00 3/1/25 300 110.28 812 001 5676010 001 $39,000.00 $39,000.00 2/17/00 3/1/25 300 116.26 812 001 5676036 001 $60,000.00 $60,000.00 2/22/00 3/1/25 300 110.66 812 001 5676044 001 $60,000.00 $60,000.00 2/22/00 3/1/25 300 89.48 812 001 5676085 001 $36,000.00 $36,000.00 2/24/00 3/1/25 300 115.82 812 001 5676093 001 $28,700.00 $28,700.00 2/23/00 3/1/25 300 47.83 812 001 5676119 001 $45,500.00 $45,500.00 2/22/00 3/1/25 300 122.64 812 001 5676127 001 $53,000.00 $53,000.00 2/21/00 3/1/25 300 113.86 812 001 5676143 001 $21,400.00 $21,400.00 2/21/00 3/1/25 300 111.95 812 001 5676176 001 $18,900.00 $18,900.00 2/24/00 3/1/15 180 101.91 812 001 5676200 001 $56,000.00 $56,000.00 2/22/00 3/1/25 300 112.41 812 001 5676218 001 $50,800.00 $50,800.00 2/19/00 3/1/15 180 99.16 812 001 5676234 001 $68,000.00 $68,000.00 2/23/00 3/1/25 300 123.74 812 001 5676309 001 $27,000.00 $27,000.00 2/23/00 3/1/25 300 108.14 812 001 5676325 001 $51,400.00 $51,400.00 2/22/00 3/1/25 300 124.78 812 001 5676432 001 $50,650.00 $50,650.00 2/23/00 3/1/25 300 114.56 812 001 5676440 001 $30,000.00 $30,000.00 2/21/00 3/1/25 300 101.64 812 001 5676465 001 $51,000.00 $51,000.00 2/23/00 3/1/25 300 115.04 812 001 5676499 001 $28,200.00 $28,200.00 2/22/00 3/1/15 180 109.06 812 001 5676515 001 $15,000.00 $15,000.00 2/21/00 3/1/15 180 98.86 812 001 5676523 001 $53,000.00 $53,000.00 2/24/00 3/1/25 300 124.65 812 001 5676531 001 $34,100.00 $34,100.00 2/22/00 3/1/25 300 118.61 812 001 5676572 001 $41,900.00 $41,900.00 2/22/00 3/1/25 300 111.40 812 001 5676580 001 $66,000.00 $66,000.00 2/28/00 3/1/25 300 115.81 812 001 5676598 001 $40,200.00 $40,200.00 2/19/00 3/1/15 180 111.88 812 001 5676747 001 $24,800.00 $24,800.00 2/18/00 3/1/25 300 124.91 812 001 5676762 001 $34,600.00 $34,600.00 2/24/00 3/1/25 300 124.07 812 001 5676804 001 $25,000.00 $25,000.00 2/23/00 3/1/15 180 116.27 812 001 5676812 001 $53,500.00 $53,500.00 2/21/00 3/1/15 180 120.55 812 001 5676861 001 $37,500.00 $37,500.00 2/23/00 3/1/25 300 119.32 812 001 5676887 001 $31,500.00 $31,500.00 2/24/00 3/1/25 300 118.62 812 001 5676895 001 $35,000.00 $35,000.00 2/24/00 3/1/15 180 124.64 812 001 5676952 001 $38,700.00 $38,700.00 2/18/00 3/1/25 300 115.57 812 001 5676986 001 $50,800.00 $50,800.00 2/23/00 3/1/25 300 101.19 812 001 5676994 001 $78,800.00 $78,800.00 2/21/00 3/1/15 180 119.84 812 001 5677067 001 $21,100.00 $21,100.00 2/23/00 3/1/15 180 100.50 812 001 5677109 001 $43,000.00 $43,000.00 2/22/00 3/1/25 300 108.58 812 001 5677125 001 $19,500.00 $19,500.00 2/18/00 3/1/15 180 114.67 812 001 5677133 001 $74,000.00 $74,000.00 2/24/00 3/1/25 300 122.49 812 001 5677190 001 $80,500.00 $80,500.00 2/24/00 3/1/25 300 103.37 812 001 5677216 001 $31,000.00 $31,000.00 2/24/00 3/1/25 300 124.07 812 001 5677265 001 $75,000.00 $75,000.00 2/24/00 3/1/25 300 118.53 812 001 5677281 001 $90,000.00 $90,000.00 2/24/00 3/1/25 300 116.93 812 001 5677364 001 $36,600.00 $36,600.00 2/29/00 3/1/15 180 108.81 812 001 5677372 001 $50,000.00 $50,000.00 2/24/00 3/1/25 300 113.66 812 001 5677380 001 $85,000.00 $85,000.00 2/24/00 3/1/25 300 121.45 812 001 5677414 001 $26,000.00 $26,000.00 2/24/00 3/1/15 180 121.42 812 001 5677430 001 $77,000.00 $77,000.00 2/24/00 3/1/25 300 110.76 812 001 5677448 001 $85,000.00 $85,000.00 2/23/00 3/1/25 300 123.25 812 001 5677463 001 $40,000.00 $40,000.00 2/23/00 3/1/25 300 111.43 812 001 5677471 001 $67,100.00 $67,100.00 2/21/00 3/1/25 300 114.12 812 001 5677489 001 $66,000.00 $66,000.00 2/24/00 3/1/25 300 118.51 812 001 5677521 001 $35,000.00 $35,000.00 2/24/00 3/1/25 300 113.75 812 001 5677539 001 $32,000.00 $32,000.00 2/24/00 3/1/25 300 107.84 812 001 5677570 001 $63,000.00 $63,000.00 2/22/00 3/1/25 300 120.58 812 001 5677604 001 $29,700.00 $29,700.00 2/21/00 3/1/10 120 120.95 812 001 5677620 001 $40,000.00 $40,000.00 2/24/00 3/1/15 180 105.81 812 001 5677653 001 $15,000.00 $15,000.00 2/24/00 3/1/25 300 109.49 812 001 5677661 001 $38,000.00 $38,000.00 2/22/00 3/1/15 180 118.92 812 001 5677695 001 $18,000.00 $18,000.00 2/24/00 3/1/20 240 108.74 812 001 5677703 001 $15,000.00 $15,000.00 2/22/00 3/1/15 180 104.66 812 001 5677711 001 $67,000.00 $67,000.00 2/24/00 3/1/15 180 108.50 812 001 5677729 001 $21,400.00 $21,400.00 2/24/00 3/1/15 180 102.40 812 001 5677760 001 $28,800.00 $28,800.00 2/23/00 3/1/25 300 115.07 812 001 5677786 001 $86,000.00 $86,000.00 2/21/00 3/1/25 300 119.04 812 001 5677869 001 $20,000.00 $20,000.00 2/24/00 3/1/15 180 104.55 812 001 5677877 001 $37,900.00 $37,900.00 2/22/00 3/1/25 300 105.51 812 001 5677901 001 $28,100.00 $28,100.00 2/22/00 3/1/25 300 110.94 812 001 5677935 001 $30,000.00 $30,000.00 2/24/00 3/1/15 180 119.80 812 001 5677943 001 $53,000.00 $53,000.00 2/24/00 3/1/25 300 94.36 812 001 5677968 001 $44,500.00 $44,500.00 2/22/00 3/1/25 300 113.34 812 001 5678016 001 $26,000.00 $26,000.00 2/22/00 3/1/25 300 119.29 812 001 5678057 001 $99,000.00 $99,000.00 2/21/00 3/1/25 300 108.24 812 001 5678065 001 $25,000.00 $25,000.00 2/22/00 3/1/15 180 110.37 812 001 5678081 001 $85,000.00 $85,000.00 2/24/00 3/1/15 180 115.05 812 001 5678214 001 $25,000.00 $25,000.00 2/24/00 3/1/25 300 110.18 812 001 5678230 001 $32,000.00 $32,000.00 2/23/00 3/1/25 300 116.62 812 001 5678263 001 $91,000.00 $91,000.00 2/24/00 3/1/15 180 116.16 812 001 5678271 001 $120,000.00 $120,000.00 2/23/00 3/1/25 300 125.00 812 001 5678305 001 $77,000.00 $77,000.00 2/22/00 3/1/15 180 124.41 812 001 5678354 001 $25,000.00 $25,000.00 2/23/00 3/1/25 300 105.59 812 001 5678370 001 $35,000.00 $35,000.00 2/24/00 3/1/15 180 105.33 812 001 5678420 001 $40,000.00 $40,000.00 2/24/00 3/1/15 180 122.81 812 001 5678438 001 $40,000.00 $40,000.00 2/24/00 3/1/15 180 96.03 812 001 5678529 001 $100,000.00 $100,000.00 2/24/00 3/1/25 300 113.23 812 001 5678537 001 $45,000.00 $45,000.00 2/24/00 3/1/20 240 106.82 812 001 5678552 001 $50,800.00 $50,800.00 2/23/00 3/1/15 180 118.48 812 001 5682406 001 $93,600.00 $93,600.00 2/19/00 3/1/15 180 115.30
Lien Senior Employee Customer Borrower1 Zip Credit Posi- Lien Company # Name Street Address City, State State Code DTI Limit tion Balance Name 5694443 John Crockett II 110 Gwen Drive A Forest Hill MD 21050 45.25 $46,000.00 2 $96,059.00 5213673 Joselito Villaverde 15420 Ruby Court Lathrop CA 95330 40.57 $46,100.00 2 $135,000.00 5233523 Ramon Rodriguez 1293 Longport Way Corona CA 91719 40.60 $43,000.00 2 $155,450.00 #9-42C 5237862 Brian Hefter 18784 Tulipwood Circle Huntington CA 92646 44.88 $62,000.00 2 $141,000.00 Beach 5276944 George Frank 93092 County Road 652 Marcellus MI 49067 32.39 $46,500.00 2 $87,200.00 5277017 Richard Bettman 54 Horseshoe Court Neptune NJ 07753 47.58 $30,000.00 2 $111,826.00 5277025 Alaeddine Cherkaoui 3305 Edgewood Road Kensington MD 20895 46.02 $44,900.00 2 $165,769.00 5277223 John Hash 10412 Woodlake Court Spotsylvania VA 22553 27.15 $48,500.00 2 $169,225.00 5277249 Wally F. Kulesza 673 Old Hunt Way Herndon VA 20170 30.80 $150,000.00 2 $304,000.00 5277280 Kris Skoniecki 446 Cottonwood Road Frankfort IL 60423 49.98 $47,600.00 2 $178,252.00 5277298 Joseph Tomes 746 South West Palm City FL 34990 45.83 $70,000.00 2 $148,482.00 Woodcreek Dr. 5277314 John Hill 2114 S. Barcelona St. Spring Valley CA 91977 47.60 $100,000.00 2 $156,961.00 5277322 David Benjaman 22269 Avenue San Luis Woodland Hills CA 91364 14.99 $75,000.00 2 $269,000.00 5277355 David J. Blizzard 6417 Pomeroy Circle Orlando FL 32810 25.92 $41,300.00 2 $103,732.00 5277421 Erik Yeager 8823 Hargrave Street Philadelphia PA 19152 35.17 $29,300.00 2 $95,734.00 5277439 Tony Manfree 858 South Van Horn Av. West Covina CA 91790 38.00 $42,500.00 2 $193,000.00 5277470 Reginald Scheipe Brownsville Road Wernersville PA 19565 44.82 $64,200.00 2 $41,955.00 5277504 Audra Hession 314-316 West Street Carthage NY 13619 27.72 $37,900.00 2 $41,148.00 5277512 Robert M. Harte 8617 White Rock Drive Bakersfiled CA 93312 34.31 $55,000.00 2 $108,474.00 5277561 William Provost 2840 N.E. 14th St.#306B Pompano Beach FL 33062 35.81 $85,000.00 2 $48,610.00 5277579 Grady Thomas 1460 Maryland Av. Severn MD 21144 31.93 $50,000.00 2 $127,457.00 5277611 Michael S. Paladino 24 Court Knolle New Hartford NY 13413 38.18 $22,500.00 2 $118,328.00 5277629 Lawrence Ressegue 25327 Via Artina St. Santa Clarita CA 91355 39.56 $30,000.00 2 $217,000.00 5277678 Peter Langsfeld 1362 Honeyhill Drive Diamond Bar CA 91789 44.46 $56,000.00 2 $215,523.00 5277694 James Van Deusen 1171 Trilium CT W Salem OH 44287 30.03 $31,000.00 2 $54,433.00 5277702 Joe C. Williams 335 Mylo Circle Harvest AL 35749 38.15 $35,000.00 2 $65,161.00 5277744 Annette Fortier 664 Yucca Street Imperial CA 92251 30.20 $80,500.00 2 $119,900.00 5277785 William Blaylock 3817 Gem Street Lancaster CA 93536 37.86 $36,000.00 2 $88,230.00 5277801 Adam Weldele 4817 Lakewood Blvd Lakewood CA 90712 40.06 $28,000.00 2 $174,852.00 5277868 Timothy Ryan 1213 S. Jefferson Av. Sioux Falls SD 57105 31.48 $61,800.00 2 $89,607.00 5277884 Bruce Goldberger 211 Agusta Circle Mount Laurel NJ 08054 20.80 $69,000.00 2 $107,000.00 5289483 William Connor Jr 112 Old Colonial Dr. Gardner MA 01440 28.30 $28,000.00 2 $50,000.00 #4 Bldg 2 5289558 Joel Hutchins 208 North Main Street Van Buren OH 45889 38.10 $50,000.00 2 $87,507.00 5289574 Stephen Mathew 201 Newark Avenue Bloomfield NJ 07003 34.75 $42,100.00 2 $135,000.00 5289681 Lori Archbold 5 Barrinton Drive Wheeling WV 26003 35.55 $125,000.00 2 $247,043.00 5289723 Victor A. Lindsey 276 Heathcliff Place Brea CA 92821 49.97 $40,000.00 2 $224,000.00 5289913 Nenita Ramos 320 Clinton Avenue Middlesex NJ 08846 42.97 $32,000.00 2 $129,000.00 5289947 Imtiaz Patel 2034 Harmon Cove Towers Secaucus NJ 07094 31.16 $35,000.00 2 $162,000.00 5290101 Mark S. Schroeder 278 North Bigelow Hampton CT 06247 49.06 $132,500.00 2 $132,000.00 5290176 James Crocitto 1603 Douglas Road Stockton CA 95207 44.90 $33,900.00 2 $77,255.00 5290523 Amber Tassone 15912 Stare Street North Hills CA 91343 46.83 $50,000.00 2 $159,325.00 5290549 Francisco Castillo 2794 - 2796 N. Los Angeles CA 90039 35.24 $35,000.00 2 $142,822.00 Coolidge Ave. 5290952 Ronald Glickman 13622 Sioux Road Westninster CA 92683 27.35 $75,000.00 2 $212,086.00 5291364 Chritie A. Stiner 13828 Plantree Drive Carmel IN 46033 31.21 $51,800.00 2 $137,180.00 5291448 Lee Margot 2045 31st Street San Diego CA 92104 37.19 $28,000.00 2 $180,250.00 5291489 James Shimer 200 Asquithview Lane Arnold MD 21012 37.95 $80,000.00 2 $106,649.00 5292040 Dennis Gleason 106 Wright Street E Durham NY 12423 19.57 $24,100.00 2 $83,000.00 5292222 Patrick Murphy II 406 South Capitol Hartington NE 68739 25.13 $37,000.00 2 $56,260.00 5292230 Patrick Perrin 23 Christy Lane Sparta NJ 7871 37.71 $50,000.00 2 $215,191.00 5292263 Jose Nieves 153 Beaver Street New Britain CT 06051 30.07 $38,500.00 2 $44,922.00 5292354 Jenifer Bruner 308 Ashford Drive Lancaster PA 17601 39.12 $71,000.00 2 $110,788.00 5292495 Robert Rodriguez 7251 Meadowlark Pl. Rancho CA 91701 31.27 $32,900.00 2 $139,321.00 Cucamonga 5292842 Brian Johnson 3407 Jackson Court Hopkinsville KY 42240 31.31 $39,300.00 2 $53,000.00 5293238 Michael Butz 19711 Parkside Saint Clair MI 48080 37.43 $78,000.00 2 $77,103.00 Shores 5293394 Dennis Lee 15312 Fieldston Lane Huntington CA 92647 48.93 $46,200.00 2 $198,000.00 Beach 5293790 Anthony Abate 6631 36th Avenue Kenosha WI 53142 34.35 $25,000.00 2 $67,500.00 5294038 Scott Mullett 330 Connecticut Avenue Pittsfield MA 1201 30.22 $45,700.00 2 $67,000.00 5294111 Ricky Jones 215 North Maple Windsor IL 61957 24.57 $32,000.00 2 $69,280.00 5294137 Andrew Zavarellla 41 ELM RIDGE MATTOON IL 61938 38.33 $50,800.00 2 $129,230.00 5294517 Benedict Odita 1 Edgewater Lane Willingboro NJ 08046 34.03 $61,000.00 2 $125,590.00 5294863 Kelly Burton 2296 East Sherri Dr. Gilbert AZ 85296 41.90 $35,000.00 2 $128,000.00 5295167 Jorge L. Lopez 1237 S.W. 46th Way Deerfield FL 33442 44.22 $34,000.00 2 $111,000.00 Beach 5295241 Martha Gehringer 1221 Wyndham Forest Lexington KY 40514 30.05 $70,000.00 2 $107,626.00 Circle 5295373 Eric Wertz 110 Vera Circle Ithaca NY 14850 33.03 $22,200.00 2 $83,352.00 5311576 Alva Brathwaite 26 Massachusetts Avenue Quincy MA 02169 40.50 $41,900.00 2 $165,000.00 5311758 William J. Raver 6267 Lake Athabaska Pl. San Diego CA 92119 38.50 $90,600.00 2 $170,489.00 5312293 Steve M. Uchic 340 Pine Street Jermyn PA 18433 21.41 $35,000.00 2 $76,058.00 5312509 Kenneth Foster 7435 North Laguna Vista Fresno CA 93711 47.34 $50,000.00 2 $181,450.00 5312590 Brandon Tesmer 15941 Willett Lane Huntington CA 92647 46.12 $100,000.00 2 $283,500.00 Beach 5312681 Barbara Stiffler 4406 South Pinebrook Ln Columbia MO 65203 22.59 $40,000.00 2 $111,430.00 5312699 John W. Hawkins Jr. 938 12th Avenue Prospect Park PA 19076 27.64 $38,000.00 2 $79,700.00 5312962 Kelly Johnston 6370 Hanover Crossing Hanover MD 21076- 33.52 $56,900.00 2 $206,198.00 Way 5313044 Nicole Murphy 3134 South 95th Circle Mesa AZ 85212 33.09 $41,700.00 2 $120,589.00 5313077 Thomas Spitler 2305 Barcelona Way Sacramento CA 95825 30.82 $39,900.00 2 $90,532.00 5313192 Donald Perius 3090 Vintage Place Riverside CA 92509 30.78 $27,500.00 2 $144,700.00 5313259 Robert Stern 11321 Winery Drive Fontana CA 92335 41.46 $76,700.00 2 $80,751.00 5313366 Thomas Clark 135 Lupe Avenue Newbury Park CA 91320 49.87 $35,000.00 2 $223,161.00 5313382 Vincent Pavlu 47 Sunset Court Hudson CO 80642 24.53 $48,500.00 2 $121,034.00 5314141 Delmar Goldhammer 512 East 12th Street Mitchell SD 57301- 35.93 $45,200.00 2 $57,000.00 5314224 Leon Davidson 993 N.W. Anjni Cir. Corvallis OR 97330 35.95 $25,000.00 2 $160,622.00 5314240 Maria Banico 1001 Front Street Keosauqua IA 52565- 38.19 $84,000.00 2 $137,000.00 5314802 Harold Manson 4340 College View Way Carmichael CA 95608 38.76 $60,000.00 2 $240,000.00 5314869 Teresa Bennett 180 Scranton Court Zionsville IN 46077 39.05 $43,200.00 2 $233,000.00 5314877 Gracie Montes 1773 Hoover Place Placentia CA 92870 46.53 $65,000.00 2 $182,616.00 5315023 David Mickel 1502 Nw 10th Avenue Camas WA 98607 37.13 $125,000.00 2 $225,971.00 5315072 Robert Bearrood 3510 Oakdale Court Eau Claire WI 54701 37.92 $108,000.00 2 $176,344.00 5315726 Diana Stephens 1555 N. Sandburg Chicago IL 60610 46.52 $100,000.00 2 $118,246.00 Terr. #206 5315981 James E. Farrell Jr. 19750 Merryhill Street Santa Clarita CA 91351 33.89 $40,000.00 2 $167,000.00 5316005 Konrad Aigner 2 East Dahlia Lane Round Lake IL 60073- 28.47 $52,000.00 2 $149,182.00 Beach 5332093 Jackie Hardy 115 Whitewater Cove Newport NC 28570 39.88 $42,000.00 2 $108,000.00 5332432 Luis Lopez 16158 White Hawk Drive Parker CO 80134 47.54 $53,000.00 2 $140,164.00 5332721 Dinh Nguyen 8738 Villanova Street Los Angeles CA 90045 49.64 $150,000.00 2 $340,000.00 5332804 Terry Allen 3531 Moon Way Woodbridge VA 22193 42.66 $70,800.00 2 $168,000.00 5332945 Samuel Curry 115 Dallas Highway Villa Rica GA 30180 51.53 $30,000.00 2 $70,439.00 5332994 John Ellenbecker 1574 North 6th Avenue Saint Cloud MN 56303- 49.36 $80,000.00 2 $266,149.00 5333117 Christopher Finley 8539 Madison Street Paramount CA 90723 33.86 $36,700.00 2 $146,665.00 5333620 FRANCIS FARRAR 600 ARAGONA BLVD Jacksonville NC 28540- 33.43 $67,200.00 2 $47,737.00 5333786 Jose Cartagena 2478 Olivera Road Concord CA 94520- 46.86 $30,000.00 2 $164,900.00 5333802 Jane Benson 3169 Faust Avenue Long Beach CA 90808- 45.68 $46,000.00 2 $170,879.00 5333844 David Braswell 7412 127th Avenue S.W. Olympia WA 98512 37.42 $60,000.00 2 $140,335.00 5333919 Betty Burns 5464 Great Woods Dr. Indianapolis IN 46224 42.79 $23,750.00 2 $109,408.00 5333943 Michael Esparza 5203 East Monlaco Road Long Beach CA 90808- 49.22 $24,000.00 2 $164,000.00 5333950 Nancy Levy 16 Whittier Court Freehold NJ 07728 36.95 $27,600.00 2 $131,000.00 5333968 Feleberto Lozada 23515 Lyons Avenue #257 Valencia CA 91355- 27.66 $61,200.00 2 $64,932.00 5334032 Darryl Henderson 1711 West 153rd Street Gardena CA 90247 40.93 $15,000.00 2 $173,112.00 5334065 George Ginter 625 Centennial Lane Lexington KY 40502 39.43 $125,000.00 2 $298,000.00 5334164 Stephen Dombrowski 15400 Orange Blvd. Loxahatchee FL 33470 28.38 $57,100.00 2 $112,486.00 5334180 Jay Hall 684 Lafayette Avenue Marengo IA 52301 38.93 $27,500.00 2 $55,881.00 5334214 Pete Giangaspro JR 20 Tricia BLVD Highland NY 12528 35.42 $50,000.00 2 $159,800.00 5334339 Richard Knutson 6624 Dunmore Avenue Citrus Heights CA 95621 41.22 $101,000.00 2 $98,935.00 5334446 Joseph Harrity 1746 South 30th Street Kansas City KS 66106 30.89 $28,000.00 2 $70,417.00 5334453 Chun Lee 1025 Ackley Street Monterey Park CA 91755- 49.87 $71,000.00 2 $211,453.00 5334628 Jeffrey A. Kurz 3218 Ainwick Road Columbus OH 43221 41.25 $34,000.00 2 $136,640.00 5334677 Harry Spivey 810 Wild Flower Street Merritt Island FL 32953 29.73 $23,200.00 2 $151,000.00 5334826 Christine Sparks 621 West Fletcher Av. Orange CA 92865 34.82 $28,700.00 2 $144,871.00 Unit 21 5335088 R. Eric Lucik 116 East Michigan Road New Lenox IL 60451 31.26 $25,700.00 2 $150,300.00 5335294 Howard Van Buren 1391 Lawrence 2130 Sarcoxie MO 64862- 29.25 $55,000.00 2 $94,000.00 5335369 Scot Mericle 50 Olympia LN Sicklerville NJ 08081- 35.59 $85,000.00 2 $137,000.00 5335781 KYLE MURPHY 5 Bolles Court Quaker Hill CT 06375 34.26 $40,000.00 2 $125,000.00 5335799 Michael Madigan 6873 26th Street North Oakdale MN 55128 32.51 $37,000.00 2 $146,221.00 5336151 Lee Dolan 11652 Paseo Bonita Los Alamitos CA 90720- 28.37 $117,700.00 2 $293,161.00 5336284 Wendell Jordan 1250 Bruner Road Dothan AL 36301- 31.35 $43,000.00 2 $74,800.00 5336391 HENRY V. MORTON 705 Fir Carlin NV 89822 34.09 $61,500.00 2 $81,763.00 5336623 Mark T. Kurtyka 5425 Gold Court Wichita KS 67217 24.51 $20,000.00 2 $79,914.00 5336656 Craig D. Korotko 5946 East Cadbury Drive Orange CA 92869 38.92 $51,200.00 2 $204,000.00 5336748 Thomas Miller 608 South Gemstone St. Ridgecrest CA 93555- 37.19 $52,000.00 2 $69,545.00 5336920 Wade Roberts 555 Bonita Drive Tulare CA 93274- 32.97 $31,596.00 2 $93,076.00 5336938 Deborah Fisk 1521 Moor Court Riverside CA 92507- 47.23 $45,400.00 2 $145,000.00 5337068 Wayland Fairchild 14579 Corral Street Victorville CA 92394 26.79 $50,000.00 2 $99,064.00 5337373 Rudolf Tesselaar 28188 Langside Avenue Canyon CA 91351- 44.07 $125,000.00 2 $142,130.00 Country Area 5337415 Lewis Knight 5821 Garden Park Drive Garden Valley CA 95633 24.33 $60,000.00 2 $161,670.00 5338033 Jerry Neal 729 Mt. Zion Road Florence KY 41042 47.18 $120,000.00 2 $187,000.00 5338157 Darlene Powers Route 2 Box 64 Little Hocking OH 45742 39.99 $60,000.00 2 $91,500.00 5338165 John Carty 24 Severndale Road Severna Park MD 21146- 43.69 $17,400.00 2 $190,500.00 5338199 Michael Montgomery 4120 Woodgrove Covina CA 91722 39.59 $150,000.00 2 $47,612.00 5338215 John Fitz-Simon, III 65 Delwood Road Warwick RI 02889 36.26 $51,000.00 2 $89,750.00 5338421 Lu Ann Dyer 1860 Marjorie Drive Yuba City CA 95993- 36.53 $74,800.00 2 $106,000.00 5338520 John Chapman 114 Branchwood Slidell LA 70458 39.55 $75,000.00 2 $87,000.00 5338769 Kintauai Ntoya 9120 Oneida Avenue Sun Valley CA 91352- 40.01 $91,250.00 2 $140,000.00 5339056 Herman Rincon 4460 S W 153 Place Miami FL 33185- 49.47 $85,000.00 2 $116,204.00 5339262 Richard L. Hobbs 1309 Fairfield Drive Cochran GA 31014 34.27 $108,000.00 2 $99,234.00 5339304 Thomas Larrabee, Sr. 4160 Carrico Court Winnemucca NV 89445- 39.46 $33,800.00 2 $104,677.00 5339601 Steven Geer 82 Highview Drive Spencerport NY 14559 34.52 $41,000.00 2 $86,000.00 5383682 Nicholas Dereta 5463 Odom Court Port Saint FL 34983 42.92 $25,000.00 2 $101,879.00 Lucie 5383757 Lilia Acosta 13617 Custer Street Yucaipa CA 92399 39.50 $25,000.00 2 $83,901.00 5383799 Darrell Spires 129 Weeping Willow Road Winter Haven FL 33880 33.22 $30,000.00 2 $68,850.00 5383914 Charlcie Roy 1325 West 6th Avenue Mesa AZ 85202 38.36 $52,000.00 2 $84,000.00 5384011 Rosemary Urena 160 Slutyer Avenue Kentwood MI 49548 44.79 $40,000.00 2 $118,750.00 5384102 David Coker 99 Burnside Court Frederick MD 21702- 46.87 $39,900.00 2 $201,229.00 5384110 Jamison R. Mcgibney 362 N. Pearl Street Clayton NJ 08312 22.99 $30,000.00 2 $67,000.00 5384243 Shen Ni 618 South Ynez Avenue Monterey Park CA 91754 36.52 $50,000.00 2 $198,570.00 5384268 Thomas Hankins 6412 West Farrand Road Clio MI 48420 49.09 $45,700.00 2 $149,000.00 5384276 Michael E. Webb 14469 Upper Cumberland Bardwell OH 45154 42.51 $52,000.00 2 $79,388.00 Rd. 5384318 Elizabeth C. Fleming 5764 Deborah Drive North OH 44039 30.84 $52,500.00 2 $107,820.00 Ridgeville 5384425 John L. Shifer 14026 Leadwell Street Van Nuys CA 91408 35.77 $20,000.00 2 $196,947.00 5384490 Steven Poeschl 1405 Jennifer Street Ripon CA 95366- 50.43 $34,000.00 2 $113,568.00 5384565 Charles Vesper 26900 SE Regia Drive Sheridan OR 97378 35.24 $36,500.00 2 $171,542.00 5384573 Christian Williams 7490 Palomar Avenue Yucca Valley CA 92284- 49.90 $35,000.00 2 $108,625.00 5384623 Anthony Salazar 8521 Langholm Road El Cajon CA 92021 49.99 $125,000.00 2 $117,929.00 5384631 Anthony Aikens 223 Pine Level Road Americus GA 31709 36.04 $18,600.00 2 $98,603.00 5384649 Scott Shoemaker 311 Sugar Creek Drive Plant City FL 33567 35.21 $30,000.00 2 $81,758.00 5384748 Kerry Morgan 2158 Russet Meadow Ln Birmingham AL 35244 27.53 $29,000.00 2 $133,033.00 5384763 Christina Meza 320 West Olive Street Inglewood CA 90301 48.47 $64,500.00 2 $147,019.00 5384813 Peter Fletcher 74 Vernon Center Vernon CT 06066 35.05 $33,100.00 2 $98,000.00 Heights Rockville 5384888 Paul A. Mattas 861 North Lake Claire Oviedo FL 32765 45.86 $40,100.00 2 $124,000.00 Circle 5384896 Jean Ratelle 2 Banyan Foothill Ranch CA 92610 53.14 $80,000.00 2 $204,688.00 5384946 Rhodia Thomas 3620 North 2ND ST Harrisburg PA 17110 48.78 $37,500.00 2 $73,151.00 5384961 James Rutter 2930 E McAndrews RD Medford OR 97504 49.85 $25,000.00 2 $101,000.00 5384987 Kenneth D. Collins 101 South Bauer Street Knox IN 46534 42.20 $37,500.00 2 $46,686.00 5384995 Gloria Breckenridge 83 Paako Drive Sandia Park NM 87047 47.08 $125,000.00 2 $247,642.00 5385026 Pierre Banda 3204 Awn Court Upper Marlboro MD 20772 46.59 $28,300.00 2 $194,000.00 5385034 Scott Timmons 776-778 Behrman Gretna LA 70056 39.04 $26,700.00 2 $92,576.00 Highway 5385141 Donald Beadle 41985 Via Renate Temecula CA 92591 48.80 $85,000.00 2 $128,800.00 5385174 Martha Garcia 13123 Pinney Street Pacoima CA 91331 36.27 $37,800.00 2 $109,033.00 5385182 Dale Carroll 2007 A Belmont Lane #A Redondo Beach CA 90278 51.45 $60,000.00 2 $420,000.00 5385190 John Lewis 18357 North 88th Drive Peoria AZ 85382 29.20 $26,400.00 2 $85,855.00 5385208 Kimberly Berry 605 Gardiol Avenue Valdese NC 28655 47.37 $29,800.00 2 $102,000.00 5385216 Mihail Petikaris 13072 Well House Court Germantown MD 20874 52.34 $66,000.00 2 $112,500.00 5385232 David Edens 1659 East Calaveras Altadena CA 91001 44.90 $107,200.00 2 $350,000.00 Street 5385497 Margie Liptak 13836 Barnard Avenue Hudson FL 34667 38.62 $63,200.00 2 $78,675.00 5385570 John Northrup, Sr. 294 Hunters Ridge Road Winchester VA 22602 49.00 $110,000.00 2 $248,471.00 5385638 Dennis Aldrich 4125 West Monterrey Battlefield MO 65619 33.28 $43,000.00 2 $67,175.00 5385661 Anthony Fusco 8 Weantinock Drive New Milford CT 06776 51.19 $40,000.00 2 $201,586.00 5385679 Pedro Cardenas 9233 Laurel Avenue Whittier CA 90605 49.80 $63,000.00 2 $134,320.00 5385703 Janice M. Merkle 14584 Holt Ave. Unit C Tustin CA 92780 45.97 $56,200.00 2 $149,199.00 5415963 Deborah Wisell 906 NW Sassafras Terr. Jensen Beach FL 34957 46.23 $45,000.00 2 $141,000.00 5416086 Angela Wyatt 100 Woodstone Drive Athens GA 30605 46.59 $30,000.00 2 $72,922.00 Unit 20 5416094 Patrick Kling 254 East Second Street Hummelstown PA 17036 43.78 $71,000.00 2 $71,731.00 5416136 Scott Deadrick 10701 58th Street N.E. Albertville MN 55301 45.04 $26,500.00 2 $118,160.00 5416193 William W. Ward 14 Edgefield Drive Silver Creek GA 30173 38.17 $15,000.00 2 $87,000.00 5416219 Richard Burwash 283 Pete Beck Road Quilcene WA 98376 43.28 $55,000.00 2 $117,301.00 5416326 Michael Kulka 3612 Hunter Royal Oak MI 48073 26.81 $37,000.00 2 $149,000.00 5416375 Gary Hummel 10271 East Muskrat Road Carson City MI 48811 46.33 $30,500.00 2 $111,300.00 5416383 Robert Henry, Jr. 611 West Bond Street Marion SC 29571 34.77 $18,000.00 2 $42,500.00 5416458 Allan Harden 208 Kincade Drive Simpsonville SC 29681 47.29 $125,000.00 2 $112,551.00 5416466 John Hartness 1223 Club Walk Drive Atlanta GA 30319 46.48 $150,000.00 2 $176,505.00 5416482 Lazaro A. Maseda 2700 Northwest 55th St. Tamarac FL 33309 44.13 $36,000.00 2 $75,492.00 5416490 Gerald Keating 5713 Rumac Street S.E. Olympia WA 98503 56.58 $31,600.00 2 $124,000.00 5416540 Juliana Evans 5205 El Camino Drive Colorado CO 80918 38.48 $35,481.00 2 $116,143.00 Spring 5416607 Gary Fultz 204 5th Street Ludington MI 49431 49.52 $33,700.00 2 $69,000.00 5416631 Theresa Maldonado 13462 Eldridge Place NW Silverdale WA 98383 47.10 $40,000.00 2 $135,000.00 5416698 Einard Koski 1100 Copper Verde Lane Modesto CA 95355 37.62 $64,500.00 2 $164,722.00 5416748 Lisa Alley 3622 Quial Hollow Drive Hephzibah GA 30815 31.03 $45,000.00 2 $62,655.00 5416763 Jared Love 227 Golden Rod Lane Madison AL 35758 36.02 $37,000.00 2 $68,479.00 5416789 Bobby Mosley 3321 N.W. 173rd Terr. Miami FL 33056 45.70 $66,200.00 2 $67,485.00 5416797 David Hanzal 7049 Jackson Drive San Diego CA 92119 49.71 $41,500.00 2 $206,000.00 5416839 William Erb 121 Sentinel Court Simpsonville SC 29681 36.04 $61,600.00 2 $122,344.00 5416862 Howard Maffucci 168 Caversham Woods Pittsford NY 14534 43.89 $85,000.00 2 $261,000.00 5416888 Geraldine Morrow 9932 Fieldstone Drive Hagerstown MD 21740 45.69 $53,200.00 2 $232,750.00 5416912 Melvin Kimble 181 McCumber Drive Allenhurst GA 31301 35.41 $32,900.00 2 $73,229.00 5416961 Bryce Lockwood 8975 East Evergreen Strafford MO 65757 47.84 $91,000.00 2 $192,000.00 5416979 Michael Rock 921 Jane Street Blackshear GA 31516 48.75 $18,800.00 2 $101,543.00 5417001 Istvan Dusa 9145 West Paradise Lane Peoria AZ 85382 44.58 $58,600.00 2 $94,309.00 5417050 Rafael DeLeon 507 South Simco Avenue Wapato WA 98951 37.46 $45,000.00 2 $77,363.00 5417068 Jay Buterbaugh, 25 RIDGE DRIVE NEW CASTLE DE 19720 49.71 $45,000.00 2 $90,028.00 5417118 John Poupore 10021 61st Avenue East Puyallup WA 98373 40.89 $62,600.00 2 $157,801.00 5417167 Richard Brown 207 North Poke Street Cabot AR 72023 49.95 $83,000.00 2 $65,529.00 5417209 James Hodges 884 Forest Park Road Daleville AL 36322 40.19 $44,000.00 2 $27,000.00 5417225 Christopher 1127 East Del Mar Pasadena CA 91106 38.36 $60,800.00 2 $92,000.00 Fontanella Blvd. #133 5417233 Frank Meyer, Jr. 1970 N.W.107 Ave. Pembroke Pines FL 33026 45.18 $32,000.00 2 $147,496.00 5417241 Robert West 1319 Amesbury Avenue Liberty MO 64068 52.04 $82,000.00 2 $153,000.00 5417258 Steven Wolverton 432 East Cross Street Baltimore MD 21230 50.93 $85,000.00 2 $150,843.00 5417266 Terence Phillips 39 Highland Trail Denville NJ 07834 27.30 $21,500.00 2 $170,000.00 5417324 Melissa Kuta 8670 East Windsong Dr. Anaheim CA 92808 46.92 $150,000.00 2 $302,536.00 5417365 Connie Payton 8702 Camille Drive Huntsville AL 35802 37.56 $25,000.00 2 $82,572.00 5417381 Thomas McGovern 4 Westmoor Place Binghamton NY 13905 48.16 $83,800.00 2 $60,168.00 5417407 Barbara Holzworth 232 Jim Nash Court Lilburn GA 30247 36.01 $75,000.00 2 $116,993.00 5417431 Larry Morgan 29655 Isle Avenue Northfield MN 55057 49.38 $85,000.00 2 $136,640.00 5417480 Alicia Griffin 1415 Marble Quarry Road Talladega AL 35160 30.66 $40,000.00 2 $70,000.00 5417498 Holly Snider 17 Goslin Loop Cascade ID 83611 45.98 $35,000.00 2 $68,000.00 5417548 John Petroni 421-3 Kittridge Canyon Elko NV 89801 42.02 $45,600.00 2 $92,442.00 5417555 Ken Lesondak 20567 Gaylord Street Redford MI 48240 42.40 $23,700.00 2 $81,000.00 5417605 John Tinaro 16 B Storm Dr Holtsville NY 11742 42.92 $28,000.00 2 $76,000.00 5417688 Laurinda Erickson 720 Meyer Lane Unit Redondo Beach CA 90278 49.02 $30,000.00 2 $163,623.00 #208 5417712 Gary Johnson 39660 RAMSHORN DRIVE MURRIETA CA 92563 49.86 $53,000.00 2 $185,312.00 5417803 Eric DeCarlo 48 Collation Circle North RI 2852 42.39 $43,000.00 2 $90,177.00 Kingstown 5417837 Robert Huffman 3421 East Zolin Avenue Pahrump NV 89048 49.52 $65,000.00 2 $118,500.00 5417894 Napoleon Thantu 217 Arden Drive Idaho Falls ID 83402 43.72 $55,000.00 2 $173,850.00 5417985 Kerry Zack 8601 Jennifer Court Laurel MD 20723 48.06 $85,000.00 2 $127,522.00 5418009 James Drake 5407 Stone Ridge Dr. Midland MI 48640 43.28 $61,000.00 2 $295,000.00 5418017 Richard McGinnis 21 David Road Millville DE 19970 47.08 $50,000.00 2 $83,884.00 5418140 Bob Phillips 1176 Early Lane Graceville FL 32440 37.30 $33,000.00 2 $47,000.00 5418199 Kevin Hart 6702 Steeplechase Dr. Huntsville AL 35806 39.48 $23,000.00 2 $79,918.00 5418215 Belkys Rodriguez 1801 S W 141 Avenue Miami FL 33175 32.91 $75,600.00 2 $144,202.00 5418306 Carol Hendricksen 65 North Myrtle Street Fellsmere FL 32948 27.92 $32,700.00 2 $83,269.00 5418330 Bradley Wilhelm 349 Mills Garden Road Statesville NC 28677 48.11 $22,000.00 2 $143,923.00 5418348 Beverly Gillespie 448 Lake Street Auburn ME 04210 45.60 $34,300.00 2 $85,000.00 5418389 Marty King 7605 Vance Drive Arvada CO 80003 41.84 $102,000.00 2 $118,000.00 5418405 Felix Fernandez 8601 Winnipesaukee Way Lake Worth FL 33467 42.73 $57,200.00 2 $130,816.00 5418447 Donald Hays 89 Pasto Rico Rancho Santa CA 92688 45.48 $38,000.00 2 $156,900.00 Margarita 5418496 Lance Bolling 420 Hobart DR Haddonfield NJ 08033 47.03 $52,000.00 2 $147,250.00 5418520 Ronald Roan 2549 Marshall Avenue Sanford FL 32773 43.11 $40,200.00 2 $55,178.00 5418538 Robert Reinhardt 10443 Napoli Place NW Albuquerque NM 87114 40.54 $24,100.00 2 $144,000.00 5418546 Ricky Willard 332 Jasmine Drive Locust Grove GA 30248 46.16 $59,000.00 2 $114,329.00 5418645 Milan Tesic 1605 W. 145th St. #5 Gardena CA 90247 32.42 $30,500.00 2 $104,553.00 5418686 Rene De Villiers 7580 Eaton Street Hollywood FL 33024 37.28 $36,100.00 2 $81,274.00 5418728 Linda Knetsch 166 Meadow Ridge Tallahassee FL 32312 50.24 $45,000.00 2 $182,987.00 5418769 Andrew Adamson 29824 Camino Delores Sun City CA 92586 24.79 $26,500.00 2 $170,275.00 5418793 Stanley Kuhn 42919 Beau Ville Court Lancaster CA 93536 38.14 $33,200.00 2 $132,598.00 5418819 Robert Nation 18301 1st Ave. Court S. Spanaway WA 98387 38.35 $75,000.00 2 $68,224.00 5418843 Christopher Whitegon 54120 Barneston Lane Anza CA 92539 42.11 $20,000.00 2 $108,384.00 5418850 John Buxton 1244 Caminito Septimo Cardiff CA 92007 47.73 $60,000.00 2 $120,586.00 5418900 James Vasiliou, Jr. 5003 Saunders Lockport NY 14094 19.04 $43,300.00 2 $104,000.00 Settlement Rd. 5418942 John Bianco 2029 Airport Road Ottawa IL 61350 45.51 $56,000.00 2 $122,757.00 5418967 Rick Gregory 23636 Big Sky Walk Los Angeles CA 91354 44.81 $15,000.00 2 $165,762.00 #138 138 County 5418983 Gregory Anderson 1473 Sutherland Drive Riverside CA 92507 40.39 $35,000.00 2 $139,382.00 5419007 Shane Caylor 157 Church Street Indiana PA 15701 31.55 $37,000.00 2 $64,649.00 5419072 Devin Reiss 22475 H Street Santa CA 93453 48.41 $75,100.00 2 $155,353.00 Margarita 5419148 Sean M. Stephenson Route 22 Box 2056 Lake City FL 32055 42.46 $27,300.00 2 $89,938.00 5419155 Stephen Calvert 262 Frederick Street #2 San Francisco CA 94117 48.94 $125,000.00 2 $170,000.00 5419197 Fernando Gonalez 1746 Glenpark Street Pomona CA 91768 31.67 $37,000.00 2 $121,509.00 5419239 Brian Demasi 620 Exeter Avenue La Habra CA 90631 47.23 $37,800.00 2 $159,015.00 5419320 Cinda Burton 1502 SE 16th Avenue Ocala FL 34471 28.67 $44,000.00 2 $106,400.00 5419379 Samuel Beasley 607 Carlton Drive Augusta GA 30909 42.84 $40,000.00 2 $100,000.00 5419429 Jesse Arnold 327 Adams St Oconto WI 54153 42.78 $36,000.00 2 $64,000.00 5419544 Ronald J. Quick 4258 Boise Court Palmdale CA 93552 43.19 $35,800.00 2 $109,000.00 5419551 Michael L. Whitacre 5177 William Street Rd. Decatur IL 62521 34.24 $15,000.00 2 $49,517.00 5419593 Nicholas Jessen 130 Mariner St. Apt. 1 Buffalo NY 14201 37.51 $15,900.00 2 $124,650.00 5419601 Richard M. Noonan 509 North Jefferson St. Cloverdale CA 95425 52.43 $75,100.00 2 $117,298.00 5419619 Raymond Duval 1648 Marshfield Court Salinas CA 93906 47.07 $55,000.00 2 $201,249.00 5419635 Glen Pettigrew 4967 Jaquima Dr. Angels Camp CA 95222 33.63 $37,000.00 2 $178,597.00 5419676 Christopher Doos 8027 North Sixth Street Fresno CA 93720 49.18 $57,000.00 2 $129,200.00 5419684 Douglas Unverferth 11743 N Summerchase Reston VA 22094 49.53 $47,200.00 2 $86,564.00 Cir. A 5419767 Louis Anderson 139 Lily Maumelle AR 72113 35.08 $75,000.00 2 $149,909.00 5419858 Antonio Vega 15212 Golden Sands St. Lake Elsinore CA 92530 34.97 $55,000.00 2 $124,681.97 5419874 Victor Gonzalez 870 Hyde Avenue Pomona CA 91767 49.16 $43,100.00 2 $107,699.00 5419924 James Oleary 222 William St. E. 306 Glastonbury CT 06033 49.87 $76,000.00 2 $35,000.00 5420419 David Dressler 2240 North Legion Signal Hill CA 90806 46.56 $80,000.00 2 $114,761.00 Drive #212 5420468 Bob Rodrigo 3304 Redbud Lane Palmdale CA 93551 33.28 $120,500.00 2 $136,856.00 5420542 Lance Geer 3305 Choctaw Drive Edmond OK 73013 27.18 $100,000.00 2 $73,200.00 5420559 Robert Starr 1 King Kove Lane Hampton VA 23669 49.29 $45,000.00 2 $158,283.00 5420708 Donald E. Bauer Jr. 16012 Laconia Court Woodridge VA 22191 36.54 $21,000.00 2 $166,087.00 5420724 William Clarke 305 SW 7th Street Hallandale FL 33009 44.65 $25,200.00 2 $92,000.00 5420765 Shane Casey 108 Oliver Drive Enterprise AL 36330 47.67 $61,500.00 2 $62,898.00 5420773 Leo Thompson 3404 Blue Ridge Road Raleigh NC 27612 48.13 $55,000.00 2 $141,276.00 5420781 Souliyadeth Khongkham 23400 EVENING SNOW MORENO VALLEY CA 92557 49.52 $115,000.00 2 $128,165.00 5420815 Donald Lane 32534 Mission Trail Lake Elsinore CA 92532 35.64 $42,000.00 2 $43,682.00 5429097 Miguel Serate 1581 Castleton Avenue Staten Island NY 10301 47.97 $85,000.00 2 $163,954.00 5429188 Dharmesh Dubey 9087 StarPass Drive Jacksonville FL 32256 46.82 $64,000.00 2 $211,600.00 5429212 Stephen Moore 675 Haynes Road Altoona AL 35952 46.43 $25,000.00 2 $65,600.00 5429238 Dennis Carter 2530 Woods Edge Circle Orlando FL 32817 29.04 $15,000.00 2 $95,500.00 5429253 John Stabler 6525 Mount Adelbert Dr. San Diego CA 92111 50.63 $136,200.00 2 $155,515.00 5429337 Jeffery T. Henderson 6621 Bianca Avenue Van Nuys CA 91406 40.05 $61,300.00 2 $197,500.00 5429436 Rod Thornton 24667 State Route 7 S. Crown City OH 45623 34.55 $27,500.00 2 $78,379.00 5429444 Patricia Sabins 700 Sunlake Drive Lakeside OR 97449 40.84 $33,000.00 2 $86,032.00 5429477 Martin Coleman 620 West Orchard Avenue Grand Junction CO 81505 39.69 $32,500.00 2 $110,300.00 5429527 James Genero Jr. 730 N. Water St Paulding OH 45879 28.54 $25,500.00 2 $44,000.00 5429709 Phillip A. Bautch 2737 Paxton Avenue Palmdale CA 93551 39.50 $22,000.00 2 $182,478.00 5429717 Frank Hernandez 1021 West 31st Place Chicago IL 60608 42.30 $22,500.00 2 $156,000.00 5429774 Toni Ann Daniels 2 Sunny Court Somerset NJ 8873 50.01 $125,000.00 2 $248,000.00 5429824 Carol Kirk 118 Cambrian Way Birmingham AL 35242 51.56 $70,000.00 2 $105,625.00 5429964 Muthiah Ramamoorthy 934 Peninsula Ave. #212 San Mateo CA 94401 39.76 $115,000.00 2 $177,095.00 5430012 Lucy Liu 4425 Temple City Temple City CA 91780 31.14 $139,000.00 2 $177,752.00 Boulevard 5430061 Judy Hardcastle 5925 North Lakeshore Boise ID 83703 43.48 $27,800.00 2 $117,819.00 Drive 5430095 John Constantine 3029 Ninth Street S.W. Canton OH 44710 31.62 $31,000.00 2 $47,488.00 5430103 Julian Taylor 822 Castle Blvd Akron OH 44313 48.13 $26,400.00 2 $111,905.00 5430137 Scott Rassett 415 Plantain Terrace Peachtree City GA 30269 48.16 $35,000.00 2 $294,000.00 5430145 David Tucker 26083 Elder Avenue Moreno Valley CA 92555 27.01 $50,000.00 2 $96,500.00 5430152 Ronald Owens 10201 Country Way Sacramento CA 95827 49.68 $50,400.00 2 $87,315.00 5430160 Barry Kirkland 2529 Simpson Point Rd. Grant AL 35747 49.16 $75,000.00 2 $259,589.00 5430178 Rocco DiAntonio Jr 6306 Palmer Avenue Mays Landing NJ 8330 37.80 $25,000.00 2 $76,906.00 5430186 Ken Stancliff 408 Ribier Avenue Modesto CA 95350 41.06 $55,000.00 2 $84,187.00 5430194 ANGELA HOLDER 4697 FELLSWOOD DRIVE STONE MOUNTAIN GA 30083 48.21 $55,000.00 2 $99,205.00 5430210 Susan Davies 2329 West 239th STreet Torrance CA 90501 55.95 $150,000.00 2 $350,000.00 5430301 Jeffery Watkins 13251 Claremont Avenue VICTORVILLE CA 92392 47.01 $50,300.00 2 $92,757.00 5430327 Roy Brazeau 2 Hancock Terrace Rochester NH 38673 43.56 $21,800.00 2 $59,000.00 5430368 Ronald Hale 18105 E. Ohio Ave. 101 AURORA CO 80017 48.07 $28,000.00 2 $63,769.00 5430384 Dragutin Bijader 208 South Pine Avenue Maple Shade NJ 08052 37.28 $31,900.00 2 $87,508.00 5430434 James Vance 888 Falcon Drive Abingdon VA 24210 45.74 $39,400.00 2 $82,000.00 5430467 Jesse Dorsett 971 S. Idaho St. #18 La Habra CA 90631 36.12 $35,000.00 2 $85,000.00 5430509 Albis Mora 39532 Middleton Street Palmdale CA 93551 50.58 $86,300.00 2 $157,500.00 5430533 Kathy A. Stanze 6132 Clematis Dayton OH 45449 48.52 $41,100.00 2 $118,920.00 5430558 Frederick Bousquet II 5382 Grey Stag Court Suwanee GA 30024 32.84 $49,600.00 2 $149,413.00 5430574 Rebecca Leggett 5 West Goldfinch Court Savannah GA 31419 47.88 $23,800.00 2 $96,793.00 5430590 Freddi Siegel 23442 White Dove Drive Lake Forest CA 92630 44.20 $40,000.00 2 $195,082.00 5430608 Richard Whalen, Jr. 56 Bucks Crossing Rocky Hill CT 6067 49.91 $121,000.00 2 $189,514.00 5430640 Timothy Posch 3320 Dirr Place Parsons KS 67357 39.34 $51,500.00 2 $51,072.00 5430715 Pamela Devoe 411 Avenue I Snohomish WA 98290 47.32 $26,400.00 2 $129,419.00 5430731 Kathleen Dibble 6382 East Hill Road Munnsville NY 13409 42.89 $25,600.00 2 $36,700.00 5430749 Kenneth Frantz 1173 South Biscay St. Aurora CO 80017 27.19 $47,200.00 2 $130,018.00 5430780 Guy Barker 2410 Windridge Drive Conyers GA 30208 47.27 $85,000.00 2 $82,510.00 5430806 Mark Huard 999 Dominion Walk Dr Snellville GA 30278 33.63 $27,000.00 2 $121,544.00 5430814 Mike Wagner 9826 North 4600 West Cedar Hills UT 84062 42.09 $100,000.00 2 $199,394.00 5430863 Valerie Evans 1122 3rd Street Boone IA 50036 35.02 $42,800.00 2 $70,498.00 5430905 Michael Hammett 144 Fall Line Drive Martinez GA 30907 41.01 $29,500.00 2 $88,041.00 5430913 Thomas Mieliwocki 24012 Sandhurst Lane Harbor City CA 90710 46.88 $116,300.00 2 $202,496.00 5430921 Donald Stuller 844 102nd Avenue North Naples FL 34109 40.33 $27,300.00 2 $79,175.00 5430954 Timothy Ralston 560 Turlington Road Suffolk VA 23434 46.38 $37,500.00 2 $99,000.00 5430996 Patricia Wisman 2495 Charles Way El Cajon CA 92020 34.67 $48,000.00 2 $153,418.00 5431010 Jonathan Hill 21292 Stratford Avenue Rocky River OH 44116 48.34 $103,000.00 2 $190,705.00 5431036 Franklin Stevenson 10910 Fangio Court Bakersfield CA 93306 28.10 $37,000.00 2 $115,166.00 5431044 Michael Guardino 42 Seacliff Avenue Daly City CA 94015 50.60 $48,200.00 2 $327,750.00 5431119 Joanne Jones 27469 149th Avenue Kent WA 98042 49.31 $62,700.00 2 $112,130.00 S.E. #4 5431184 Scott Timmes 60-65 Catalpa Avenue Ridgewood NY 11385 47.46 $40,000.00 2 $201,340.00 5431226 JANE VIARENGO 27070 RANDALL CIRCLE ATHENS AL 35611 41.39 $43,000.00 2 $125,000.00 5431234 Scott Edelstein 270 Perry Creek Drive Fayetteville GA 30214 44.54 $40,800.00 2 $166,000.00 5431242 William Trott 115 Pleasant Breeze Way Kingsland GA 31548 49.56 $31,000.00 2 $77,861.00 5431325 Duaine Radtke 6860 South Threshold Homosassa FL 34446 34.30 $40,700.00 2 $34,329.00 Point 5431341 James Butler 1249 Eagle Way Virginia Beach VA 23456 48.34 $61,000.00 2 $144,121.00 5431366 Todd Thome 2010 Rheaume Road Manitowoc WI 54220 34.22 $15,000.00 2 $74,469.00 5431382 Robert McKinnon 6 Gayridge Road #104 Waterbury CT 6705 28.37 $55,000.00 2 $14,743.00 5431390 Virginia Willett 29490 SW Courtside Wilsonville OR 97070 38.59 $15,000.00 2 $91,000.00 Drive #17 5431408 Hector Moreno 5120 Locust Avenue Long Beach CA 90805 37.37 $15,000.00 2 $94,000.00 5431432 Daniel Peterson 6711 23rd Street Zephyrhills FL 33540 43.27 $44,000.00 2 $82,000.00 5431481 Jeff Hartline 6933 Hwy 136 East Trenton GA 30752 33.56 $43,000.00 2 $52,560.00 5431507 Angelo Savage 7843 Paddock Way Baltimore MD 21244 45.29 $25,000.00 2 $88,655.00 5431531 Ricardo Colton 11507 Trillium Street Mitchellville MD 20721 42.47 $101,000.00 2 $313,218.00 5431572 Mark Gray 4575 Kings Hwy. Cocoa FL 32927 43.83 $80,800.00 2 $50,356.00 5431614 David Nichols 385 Christian Woods Conyers GA 30013 47.55 $23,100.00 2 $94,378.00 Drive 5431622 Linda Clays 7706 North Mckenna Portland OR 97203 32.64 $19,300.00 2 $102,824.00 Street 5431648 Arthur Hopkins 33021 Paterno Street Temecula CA 92592 43.64 $75,000.00 2 $175,000.00 5431689 Jeffery Johnson 1114 Pine St The Dalles OR 97058 36.24 $31,500.00 2 $101,573.00 5431770 Terence Hollihan 1225 Carlton Court 102 Fort Pierce FL 34949 34.29 $27,300.00 2 $37,019.00 5431796 Michael Berg 496 Earl Drive Sierra Vista AZ 85635 37.63 $46,700.00 2 $84,762.00 5431804 Daniel Moors 3920 Southwest 4th Gainesville FL 32607 40.09 $32,700.00 2 $123,710.00 Place 5431820 Ralph Serrano 15190 Clovis Street Victorville CA 92394 46.27 $28,606.00 2 $67,583.00 5431838 Craig Jackson Smith 3221 S.W. Avalon Way Seattle WA 98126 36.03 $35,000.00 2 $132,660.00 415 5431846 Stephen Tramp 1282 Ponderosa Avenue Green Bay WI 54313 27.35 $33,300.00 2 $117,000.00 5431853 Joseph Edwards 104 South Spring Street Central SC 29630 37.92 $73,050.00 2 $63,000.00 5431929 Michael Roberts 13646 Bassett Street Valley Glen CA 91405 33.67 $51,200.00 2 $206,558.00 5431945 James Hogg 7008 Rockledge Drive Charlotte NC 28210 35.79 $42,700.00 2 $141,927.00 5431978 Andrew Kronewitter 2609 Schumacher Drive Mishawaka IN 46545 40.69 $48,000.00 2 $60,734.00 5431994 Lester Cheadle 8144 Guatay Street San Diego CA 92114 41.43 $35,000.00 2 $103,848.00 5432026 Sarah Beaufait 4251 Benchmark Trace Tallahassee FL 32311 40.88 $37,000.00 2 $81,965.00 5432042 Clark Sullivan 14903 Fox Ridge Drive Fontana CA 92336 47.05 $66,000.00 2 $147,000.00 5432059 Larry Thomas 5896 East County Road Whitestown IN 46075 21.47 $28,400.00 2 $68,323.00 550 S. 5432067 Andrew Bobb 3023 Segovia Way Carlsbad CA 92009 48.63 $101,900.00 2 $239,821.00 5432117 John Gonzales 3516 Effingham Lane Modesto CA 95357 37.33 $33,000.00 2 $164,409.00 5432133 Cheryl Sharp 255 James River Drive Newport News VA 23601 35.41 $30,000.00 2 $175,630.00 5432141 David Cason 6439 Mallardview Lane Charlotte NC 28269 36.58 $25,000.00 2 $96,000.00 #3 5432174 Linda Glasgow 1336 Oakengate Drive Stone Mountain GA 30083 38.18 $35,000.00 2 $119,196.00 5432208 Gary Cullins 914 East Virginia Santa Paula CA 93060 44.68 $55,000.00 2 $146,000.00 Terrace 5432299 Timothy Hare 357 Root Rd Brockport NY 14420 37.06 $37,800.00 2 $98,230.00 5432331 Bryan Duff 3293 Grayhouse Lane Stockton CA 95206 45.54 $70,000.00 2 $152,308.00 5432349 Pamela Reese 18704 Southeast 17th Vancouver WA 98683 48.00 $35,000.00 2 $147,000.00 Street 5432364 Sterling Winterhalter 15756 Via Nueva San Lorenzo CA 94580 28.93 $54,000.00 2 $217,003.00 5432380 Bennie Harrow 504 North Fisher Place Kennewick WA 99336 24.81 $28,200.00 2 $75,773.00 5432455 Daniel Mercado Jr 428 Beufort Court Modesto CA 95357 41.01 $61,000.00 2 $106,947.00 5432497 Earl Longlott 272 Carawan Lane Chesapeake VA 23322 36.83 $15,000.00 2 $91,080.00 5432513 Xavier Bellinger Jr. 222 North Prospectors Diamond Bar CA 91765 31.92 $53,300.00 2 $154,999.00 Road 5432521 Alfred Garcia 2925 So Fournier Street Oxnard CA 93033 43.39 $27,000.00 2 $150,143.00 5432679 Ellen Taylor- Shearer 2011 Mistral Lane Ft Walton FL 32547 49.54 $51,000.00 2 $156,800.00 Beach 5432745 Jeffrey Owata 14125 Plymouth Avenue Burnsville MN 55337 38.21 $15,000.00 2 $116,709.00 5432810 James Herrman 6432 Zircon Court Pollock Pines CA 95726 43.73 $61,300.00 2 $131,255.00 5432943 Lloyd Cook 3140 Midway Drive #A303 San Diego CA 92110 43.91 $40,000.00 2 $77,800.00 5432992 Michael Hubert 8 Guilford CT Marlton NJ 08053 40.44 $30,000.00 2 $150,000.00 5433040 James Sullivan 360 Pinewoods Avenue Troy NY 12180 36.51 $91,100.00 2 $148,000.00 5433438 Leonard Karp 26 Franklin Street #11 Tenafly NJ 07670 31.10 $30,000.00 2 $92,515.00 5438643 Steven Allen, Jr. 4601 N. 44th Street Tampa FL 33610- 40.86 $28,000.00 2 $56,877.00 5473723 Robert Brown 17816 Caddy Drive Derwood MD 20855 39.51 $35,000.00 2 $190,848.00 5473731 Donald Meola 1937 East 42nd Street Ashtabula OH 44004 51.64 $62,000.00 2 $49,000.00 5473798 James Behrmann 11582 Chubbuck Court Rancho Cordova CA 95670 40.46 $93,000.00 2 $173,933.00 5473822 Sally Carlson 3417 V Street Sacramento CA 95817 45.36 $30,000.00 2 $97,179.00 5473848 Donald Dickinson 1244 Belnor ROAD Mckinleyville CA 95519 38.40 $65,000.00 2 $112,000.00 5473855 Marc Lachance 1 RR2 Enfield ME 4493 43.87 $24,000.00 2 $66,000.00 5473913 Scott Gibson 5 Vervalen Drive Poughkeepsie NY 12603 35.00 $31,800.00 2 $184,500.00 5473939 Robin Moore 4419 Reepsville Road Vale NC 28168 35.29 $32,500.00 2 $56,940.00 5474044 Donald Mader 7060 CLAYBECK DRIVE HUBER HEIGHTS OH 45424 49.75 $63,000.00 2 $65,597.00 5474093 Terry Beck 9255 Doheny Road 2204 West Hollywood CA 90069 40.76 $150,000.00 2 $278,644.00 5474150 Erik Sims 1007 Ridge Drive Circleville OH 43113 46.81 $43,500.00 2 $146,000.00 5474200 Nathan Houser 1010 Navajo Trail Indianapolis IN 46260 35.86 $52,000.00 2 $120,000.00 South Drive 5474457 Rodoflo Ramirez 8893 Coffman Pico Road Pico Rivera CA 90660 46.48 $70,000.00 2 $157,544.00 5474473 Ricardo Alvarez 15473 SW 150th Street Miami FL 33196 43.04 $48,000.00 2 $129,125.00 5474481 Angel Negron 14540 Greenbrier Place Davie FL 33325 49.24 $45,000.00 2 $119,744.00 5474499 Randy Greenberg 6342 North Camino Los Tucson AZ 85718 39.32 $125,000.00 2 $107,856.00 Mochis 5474556 Rupert Payne 133 Seabreeze Circle Kissimmee FL 34743 39.95 $50,000.00 2 $79,000.00 5474614 Sherylann Wade 8952 Avocado Avenue Hesperia CA 92345 29.57 $85,000.00 2 $135,171.00 5474622 Clyde T. Hastings 8 Ardsley Circle Dover DE 19904 39.65 $24,000.00 2 $111,423.00 5474689 James Ariosto 52 Sunburst Road Naugatuck CT 6770 49.25 $22,100.00 2 $145,058.00 5474697 Medi Abadi 1103 Forrest AVE Bronx NY 10456 45.06 $62,200.00 2 $219,496.00 5474713 Chirs Mcbeath 19123 Southwest 96th Miami FL 33157 39.41 $40,000.00 2 $103,000.00 Avenue 5474820 Robert Murray Stocks 148 South 300 East Moab UT 84532 48.22 $71,700.00 2 $72,000.00 5474861 Alex Herrera 209 West Vernon Avenue Los Angeles CA 90037 39.55 $72,200.00 2 $277,711.00 5474937 David Harwell 2415 Loerland Lane Oak Harbor WA 98277 31.00 $32,000.00 2 $101,657.00 5474952 Mark McCracken 2465 Croll School Rd York PA 17403 47.27 $40,300.00 2 $149,370.00 5475025 Anthony Staab 4317 Gentle Knoll Dr N Jacksonville FL 32258 55.28 $80,000.00 2 $83,235.00 5475058 Brian L. Smith 510 Branchwood Drive Somerest KY 42501 38.04 $57,500.00 2 $146,779.00 5475082 Ronald Marientes 1377 Owen Drive Chula Vista CA 91911 46.48 $60,000.00 2 $230,000.00 5475090 Marcelino Lares 7012 Alabama Avenue Canoga Park CA 91303 44.90 $37,000.00 2 $135,791.00 5475116 David McKay 3801 45th Avenue N.E. Tacoma WA 98422 47.37 $75,000.00 2 $137,600.00 5475132 Mark Paulette 12707 Parkland Drive Rockville MD 20853 50.16 $64,000.00 2 $148,287.00 5475173 Donnie Johnson 7628 Daphne Avenue Orlando FL 32812 43.34 $54,000.00 2 $82,187.00 5475207 John E. Bell 7165 West Mars Drive Golden Valley AZ 86413 42.86 $30,700.00 2 $96,422.00 5475223 Sonja 30480 Rabbit Run Valley Center CA 92082 40.05 $50,000.00 2 $429,375.00 Lindberg-Tachikawa 5475280 William Shannon 370 8th Street Plainwell MI 49080 39.96 $25,000.00 2 $99,126.00 5475322 Charles Kadrlik 520 3rd Avenue West Shakopee MN 55379 39.50 $35,000.00 2 $85,659.00 5475330 Anthony Perez 270 East Cypress Street covina CA 91723 38.75 $42,000.00 2 $154,220.00 5475439 Peter Escalante 10325 Pinyon Avenue Los Angeles CA 91042 37.06 $49,500.00 2 $175,750.00 5475470 Irving Melanson 1040 Truckee Lane Fernley NV 89408 48.50 $80,000.00 2 $167,524.00 5475512 Harry Fleming Jr. 627 Marcy Street Ottawa IL 61350 49.47 $30,000.00 2 $100,000.00 5475520 Traci Bradley 8704 Magnum Court New Port FL 34655 49.91 $40,000.00 2 $113,525.00 Richey 5475538 William Hagan 3511 County Road 37 Muscadine AL 36269 22.93 $31,000.00 2 $36,000.00 5475587 Keyon Cambridge 942 Lenox Road Brooklyn NY 11203 42.26 $42,000.00 2 $231,000.00 5475629 David Hargrove 1557 Antoine Dr San Diego CA 92139 48.33 $50,000.00 2 $168,000.00 5475637 Raphael Poulos 3811 Pendlebury Drive Palm Harbor FL 34685 40.05 $45,000.00 2 $210,703.00 5475710 Sean McGuire 790 Bangor Street Pomona CA 91767 40.30 $61,100.00 2 $97,410.00 5475728 Steven Jakuboski 447 Old Stage Road Westfield MA 01085 43.36 $37,000.00 2 $150,406.00 5475769 Gloria Vilchez 1460 North Rose Street Burbank CA 91505 43.07 $107,000.00 2 $187,000.00 5475942 Magnito Verances 2107 Pine Hurst Lane Hawthorne CA 90250 46.48 $20,000.00 2 $179,654.00 5476015 Ana Tobar 6561 4th Avenue Los Angeles CA 90043 41.79 $37,800.00 2 $132,091.00 5476155 Benjamin Lim 4500 West Avenue 42 Los Angeles CA 90065 43.71 $139,400.00 2 $170,454.00 5476163 Gary Hecker 4012 Rosemont DR Landenberg PA 19350 44.30 $110,000.00 2 $290,506.00 5476171 Arnold Cortez 3021 East Menlo Street Mesa AZ 85213 49.86 $138,000.00 2 $188,000.00 5476221 James Shipuleski 2240 Raywood Avenue N Port FL 34287 39.84 $30,000.00 2 $85,000.00 5476395 Stacy Cook 1265 SE 21st Street Okeechobee FL 34974 47.79 $50,000.00 2 $158,000.00 5476437 Richard Jordan Route #1 Hwy 110-13785 Fitzpatrick AL 36029 49.37 $63,200.00 2 $110,492.00 PO N 5476452 James Redmond 1852 Hickory Hill Drive Columbus OH 43228 31.99 $45,000.00 2 $108,690.00 5476528 Jenetta Doty 6455 Meadow Vista CT Cincinnati OH 45224 41.51 $44,000.00 2 $131,125.00 5476577 Robert Salamone 7 Farragut Square Howell NJ 07731 35.33 $15,000.00 2 $118,750.00 5476635 Neil Wallner 4221 Cushman Road Rockford IL 61114- 46.99 $27,700.00 2 $117,700.00 5476643 James E. Keiper 1024 Chesterfield Chesapeake VA 23320 49.78 $39,900.00 2 $120,200.00 Terrance 5476700 Bernard Johnson 11000 South West 160 Miami FL 33157 32.51 $44,000.00 2 $96,000.00 Street 5476775 A J Palmer 1603 Carruthers Street Tallahassee FL 32308 33.08 $25,000.00 2 $76,000.00 5476791 Eric Lehtinen 2462 South Drexel Mesa AZ 85212 31.93 $60,000.00 2 $227,000.00 5476858 Kenneth Pugh 746 Forest Path Stone Mountain GA 30088 49.51 $54,000.00 2 $81,600.00 5476916 Brian Cornwell 4011 East Anderson Phoenix AZ 85032 43.67 $39,500.00 2 $119,200.00 Drive 5476924 Curtis Liem 23445 Camden Court Yorba Linda CA 92887 33.55 $40,000.00 2 $149,756.00 5476965 Turley Hayes 2333 Southwest Indian Topeka KS 66614 31.58 $17,000.00 2 $47,947.00 Trail 5476973 Mary June Willett 112 South Stratford Athens GA 30605 53.06 $80,000.00 2 $111,273.00 Drive 5477005 Loimatafia Carlos- 1023 Ingerson San Francisco CA 94124 36.43 $56,000.00 2 $110,067.00 Valentino 5477096 William Van Norman 56672 Duarte Street Yucca Valley CA 92284 39.30 $35,000.00 2 $123,742.00 5477138 Cherie G. Krauss 106 Whiteoak Ridge Lane Blythewood SC 29016 49.79 $50,000.00 2 $232,000.00 5477161 Robert M. Page 56 Brookside Drive Cranston RI 02910 37.81 $28,000.00 2 $95,440.00 5477187 John Hall 1610 South 14th Street Las Vegas NV 89104 47.15 $41,700.00 2 $89,972.00 5477203 Douglas Fowler 320 West Broadway Plymouth OH 44865 32.10 $25,000.00 2 $119,000.00 5477211 David Hedrick 874 Polo Place Auburn Hills MI 48326 48.45 $125,000.00 2 $168,025.00 5477294 David Dallaportas 7166 Haverling St Bath NY 14810 41.78 $74,000.00 2 $111,000.00 5477419 Scott Satek 4378 Beechwood Bay City MI 48706 40.78 $23,400.00 2 $72,000.00 5477450 Richard Blanc 7 TURKEY ROOST RD Sandy Hook CT 06482 43.00 $85,000.00 2 $220,123.00 5477484 Terrance Aurre 6 Penbroke Rd WashingtonvilleNY 10992 52.09 $55,000.00 2 $163,000.00 5477518 Young Sil Kim 19426 Valley Way Reseda CA 91335 44.83 $52,800.00 2 $114,035.00 5477575 Paul Webre 70226 7th Street Covington LA 70433 48.62 $37,250.00 2 $86,550.00 5477633 Lee Frazier 250 Del Mesa Court Oceanside CA 92054- 39.47 $25,400.00 2 $175,633.00 5477682 Rosendo Valentin 917 Tuscanny St Brandon FL 33511 39.27 $35,000.00 2 $175,000.00 5477765 Trevor King 840 N Colony Grand Island NY 14072 41.11 $31,400.00 2 $126,309.00 5477864 Richard A. Hicks 950 Solano Street Corona CA 92882 50.77 $70,000.00 2 $113,000.00 5477922 Audra Gardner 2441 West Main Street El Centro CA 92243 37.81 $30,000.00 2 $108,873.00 5477971 Elizabeth Kreidler Rd #1 Box 25 Penn Run PA 15765 25.33 $15,000.00 2 $58,110.00 5478052 Donna Cook 401 Westwood Avenue Adamsville AL 35005 40.40 $50,000.00 2 $70,913.00 5478094 Robert Ryan 1104 Sunrise Thermopolis WY 82443 35.19 $49,000.00 2 $67,000.00 5478169 Leo Harmon 1707 Grand Highlands Plainfield IL 60544 43.10 $52,900.00 2 $212,600.00 Drive 5478243 Sherman Rogers 338 Chestnut Street Compton IL 61318 34.82 $45,000.00 2 $45,746.00 5478334 Perry Charles 3594 Highway 213 Mansfield GA 30255 49.31 $29,400.00 2 $48,301.00 Lunsford 5478359 Thomas Russell 4829 Hinsdale Street Virginia Beach VA 23462 39.67 $77,000.00 2 $77,435.00 5478367 Richard Makanani 9764 Cornwall Crossing Las Vegas NV 89147 49.96 $66,100.00 2 $189,046.00 Court 5478409 Edward Villa 4085 Dave's Way San Diego CA 92154 42.07 $23,800.00 2 $140,118.00 5478425 Larry W. Danley 177 Route 1 County Grove Hill AL 36451 45.88 $56,400.00 2 $116,000.00 Road 29 5478433 David Lowe 14430 Pine Valley Drive Lathrop CA 95330 29.12 $38,800.00 2 $136,085.00 5478458 Michael Prisco 171 Harding Street New Britain CT 6052 48.81 $39,000.00 2 $98,061.00 5478482 Michael Wright 15176 Eric Kyle Drive Huntersville NC 28078 45.53 $25,000.00 2 $139,800.00 5478540 LeAnne Wiseman 1401 Cross Path Drive Alabaster AL 35007 47.14 $43,000.00 2 $102,492.00 5478573 Johann Kim 1186 Walnut Grove Rosemead CA 91770 50.45 $47,000.00 2 $143,781.00 Avenue #B 5478581 Paula Laws 2310 Columbine Court Post Falls ID 83854 38.69 $18,600.00 2 $80,911.00 5478672 Dennis Eckie 2712 Denian Court Kennasaw GA 30152 33.62 $48,700.00 2 $145,184.00 5478722 Robert Sarrels 5002 Guy Street Paragould AR 72450 33.65 $39,000.00 2 $49,056.00 5478763 Paul Brayfield 3820 East Carlyle Court Marietta GA 30062 39.32 $54,600.00 2 $156,911.00 5478789 Bryan Edwards 5 Crabapple Lane Foley AL 36535 32.23 $89,000.00 2 $93,000.00 5478805 John Cross 510 Buttonwood Street Palmyra PA 17078 44.24 $42,500.00 2 $143,000.00 5478920 Denise Knudson 431 Western Avenue SE Albany OR 97321 44.98 $64,200.00 2 $135,077.00 5478938 Steven O'Neil 3775 Avenue A White City OR 97503 49.02 $72,000.00 2 $73,709.00 5478946 David Holz 2895 Camellia Court Corona CA 91720 38.52 $35,000.00 2 $249,282.00 5478953 Daniel Montanagh 3031 Mallard Ridge Road Madison GA 30650 35.30 $51,000.00 2 $100,000.00 5478995 Terry Gambill 2106 Plum Street DeRidder LA 70634 31.40 $33,500.00 2 $44,405.00 5479001 George Velasquez 26 Ptarmigan Drive Shrewsbury MA 1545 43.14 $50,700.00 2 $171,799.00 5479050 Christopher Stupart 13715 SE 255 Place Kent WA 98042 39.77 $107,600.00 2 $195,412.00 5479068 Stan Taylor 10840 Debra Avenue Los Angeles CA 91344 34.83 $125,000.00 2 $165,000.00 5479076 Dacri L. Fleming 2756 Amber Road Hemet CA 92545 38.54 $27,700.00 2 $98,044.00 5479084 Bryon M. Brookshier 12635 Main Street #310 Garden Grove CA 92840 21.24 $31,500.00 2 $80,438.00 5479092 George Brownsell III 5 Uncas RD Eagle Bay NY 13331 44.74 $85,000.00 2 $93,417.00 5479118 Ralph Martin 131 Norwood Circle Learned MS 39154 40.73 $15,500.00 2 $98,274.00 5479159 Ronald Eiken 1105 Heatherton Drive Naperville IL 60563 31.89 $85,000.00 2 $409,950.00 5479175 James F. Griffeth 20635 Lowry Drive Fairhope AL 36532 52.87 $35,000.00 2 $153,729.00 5479209 Loren Nordin 4420 Queensway Drive Jacksonville FL 32257 38.17 $25,600.00 2 $75,395.00 5479225 Robert Giles 525 Greenbriar Blvd Altamonte FL 32714 25.71 $36,800.00 2 $104,370.00 Springs 5479282 Moses Tavares MIULANA PLACE HONOKAA HI 96727 43.30 $68,400.00 2 $124,000.00 5479316 Miguel Real 17390 Summer Oak Place Yorba Linda CA 92886 52.36 $85,000.00 2 $330,000.00 5479332 Mario Troncarelli 79 Hyde Court Bedminster NJ 7921 40.70 $52,000.00 2 $39,713.00 5479373 Joe De La Garza 5419 - 5421 Carlin Los Angeles CA 90016 50.24 $30,000.00 2 $232,750.00 Street 5479415 Leon Konin 9039 Sligo Creek Silver Spring MD 20901 44.20 $70,000.00 2 $74,348.00 Parkway 614 5479464 Linda Myrick 2441 River Road Ellenwood GA 30294 42.68 $71,000.00 2 $71,182.00 5479506 Maria Manalili 3960 Southpointe Drive Orlando FL 32822 40.16 $15,000.00 2 $64,785.00 520 5479670 Brandon Luehman 341 West State Street Mauston WI 53948 48.76 $30,000.00 2 $63,177.00 5479795 Cathy Bennett 27 Judd Avenue Bethel CT 6801 49.82 $15,000.00 2 $149,203.00 5479811 James Price 3563 Mustang DR Ontario CA 91761 35.26 $64,000.00 2 $204,348.00 5479993 Fred Funk 19411 SE 264th Street Kent WA 98042 48.57 $33,000.00 2 $132,000.00 5480157 Paul Weinstein 5 Walker Terrace Vernon CT 06066 39.28 $35,600.00 2 $151,775.00 5480165 Albert Letourneau 7355 Windom Lane Sorrento LA 70778 49.62 $66,200.00 2 $76,087.00 5480306 Jeffrey Ericson 2516 Hughes Avenue Claymont DE 19703 28.82 $32,000.00 2 $136,000.00 5480470 Bryan Maus 4725 Aster Avenue McKinleyville CA 95519- 45.75 $55,000.00 2 $197,863.00 5480587 Nancy Edwards 25158 Mooresville Road Elkmont AL 35620 41.31 $15,000.00 2 $84,743.00 5480876 Kevin S. Hogan 1701 Victoria Lane Anniston AL 36201 38.36 $51,900.00 2 $63,923.00 5480884 Robert Sparks 135 Copeland Ferry Cordova AL 35550 37.62 $36,500.00 2 $115,662.00 5480926 Joseph Long 1883 Green Forest Drive North Augusta SC 29841 38.88 $91,000.00 2 $133,900.00 5480934 Robert Zeigler 36.5 Hatcher Pass Road Willow AK 99688- 48.81 $23,000.00 2 $97,244.00 5481007 James Winstead 3301 65th Street West Bradenton FL 34209- 48.45 $50,000.00 2 $80,350.00 5481163 Carl R. Buckner 8439 TOMOKA RUN LAKELAND FL 33810 46.75 $65,000.00 2 $91,942.00 5481171 Joseph Draheim 2039 Southeast Milwaukie OR 97222 47.45 $72,000.00 2 $124,756.00 Bluebird Street 5481627 Denice Hertel 6164 Lawrence Road Everson WA 98247- 46.75 $75,000.00 2 $90,606.00 5481759 Robert Jackson 640 Hirst Street Bronson FL 32621 50.79 $85,000.00 2 $80,000.00 5481858 Christopher Borkert 10 Kansas Road Lehigh Acres FL 33936 43.00 $40,000.00 2 $85,062.00 5481866 Michael Mangan 520 Sioux Street Simla CO 80835 29.85 $32,500.00 2 $63,773.00 5481940 Donna Harrington 615 Pearl Street Neosho MO 64850 33.55 $30,400.00 2 $46,484.00 5481965 Timothy Simmons 5818 Tarragon Drive West Palm FL 33415 38.47 $35,000.00 2 $74,214.00 Beach 5481999 Robert Ginter III 7541 Stoney Creek Drive Highland CA 92346 38.44 $26,000.00 2 $113,479.00 5482062 John Hanford 81 SE Alpine Avenue Shelton WA 98584 45.41 $57,000.00 2 $63,098.00 5482088 Gregory Vernon 45 Kilgore Lane Pell City AL 35125 49.12 $90,000.00 2 $84,855.00 5482096 Teddy Wade 4165 Old Waltertown Waycross GA 31503 35.74 $35,000.00 2 $85,000.00 Road 5482187 William Beck 104 Stevenage Court Longwood FL 32779 49.82 $34,000.00 2 $122,000.00 5482294 Steven Beasley 1659 Coyote AV Norfolk VA 23518 45.72 $45,700.00 2 $123,000.00 5482435 Francis Wysocki 55 Overlook Road Meriden CT 06450 45.43 $75,000.00 2 $115,136.00 5482443 Ralph Gipson 3037 Dupree Drive Huntsville AL 35801 50.09 $56,100.00 2 $121,480.00 5482450 Marty Rivero 14177 Farralon Court Fontana CA 92336 46.26 $64,000.00 2 $137,416.00 5482484 Nicole Ford 9908 Wood Wren Court Fairfax VA 22032 31.57 $30,000.00 2 $122,000.00 5482559 Brian Roberts 46 Blue Bird Ln Ormond Beach FL 32174 37.93 $36,600.00 2 $87,617.00 5482617 Mark Mckee 13512 East Gibbs Road Mica WA 99023 48.77 $85,000.00 2 $207,951.00 5482666 Richard Almond 112 Augusta Avenue Benton LA 71006- 38.86 $45,000.00 2 $146,996.00 5482674 William Byrd 4802 Colony Drive Acworth GA 30102 18.32 $33,300.00 1 $0.00 5482682 Roy Neal 1019 NW Lawnridge Grants Pass OR 97526 41.42 $52,800.00 2 $74,630.00 5482708 Robert Yoder 64913 East County Road Byers CO 80103 42.41 $63,100.00 2 $185,478.00 42 5482724 Julia Knox 2808 Southwest Corbeth Troutdale OR 97060 40.07 $90,000.00 2 $149,115.00 Lane 5482765 Gregory Hutcheson 1013 Rainbow Avenue Pensacola FL 32505 33.35 $32,200.00 2 $68,889.00 5482898 Bonnie Miller 117 Long View Drive Wilmington DE 19711 47.17 $47,400.00 2 $103,753.00 5482906 Joseph Martel II 529 Charwila Lane Enumclaw WA 98022 45.77 $62,200.00 2 $144,025.00 5482914 Laurence Miller 579 Road 22 Dix NE 69133- 40.97 $100,400.00 2 $12,439.00 5483011 Maria Reyes 19 Toole Drive Branford CT 6405 46.23 $67,000.00 2 $114,968.00 5483045 June Childers 111 Shadow Lake Drive Conyers GA 30013 43.60 $30,000.00 2 $138,139.00 5483086 Daniel Knight 708 West Twinberry Lancaster CA 93534 31.39 $17,400.00 2 $78,000.00 Lane 5483185 Reed Winkle 3015 Quiet Lane Eugene OR 97404 43.86 $32,500.00 2 $98,982.00 5483227 Doyle McBride 504 Lake Drive Ocala FL 34472 37.26 $85,000.00 2 $161,000.00 5483243 Richard Storey 21 Heartwood Drive Cataula GA 31804 50.03 $54,600.00 2 $240,000.00 5483268 Jeffrey Wuerker 1559 Carrawat Court colorado CO 80907 47.52 $30,000.00 2 $168,000.00 springs 5483276 Todd Oliver 601 North Kerth Avenue Evansville IN 47711 33.22 $48,800.00 2 $52,268.00 5483292 Paul Taylor 4176 Cat Tail Court Austell GA 30106 43.07 $18,900.00 2 $133,154.00 5483300 Erik Bjorkner 2086 Willow Oak Dr Mobile AL 36695 37.54 $51,400.00 2 $121,620.00 5483318 Maurice Weir 8 Green Acres Drive Latham NY 12110 45.11 $27,500.00 2 $114,332.00 5483326 Jorge Salt 8614 South West 148 Miami FL 33193 39.88 $33,800.00 2 $81,540.00 Place 5483383 Jay LaPointe 6 King Fisher Court Middletown DE 19709 42.51 $92,000.00 2 $182,273.00 5483417 Rhonda Peterson 402 Pocahontas Street Williamsburg VA 23185 47.24 $21,500.00 2 $45,000.00 5483433 Edwin Esther 350 Silverthorn Drive Marietta GA 30064 49.58 $36,500.00 2 $130,376.00 5483458 Randy Minor 2299 County Road 33 Calera AL 35040 38.71 $20,000.00 2 $101,027.00 5483474 Kimberly Fair'Hadley 1377 Riverside Drive Thompson CT 6255 32.38 $22,000.00 2 $71,304.00 5483508 James Combs 3730 Cedar Lake Drive Conyers GA 30013- 42.02 $28,500.00 2 $93,698.00 5483540 Steven Stratos 9318 Hidden Water Riverview FL 33569 49.53 $51,500.00 2 $111,820.00 Circle 5483615 Joseph Wiatrak Jr. 145 Ne 9th Madras OR 97741 47.98 $36,300.00 2 $73,382.00 5483623 Charles Brewer 414 Berkshire Drive Ridgeland MS 39157 41.38 $82,000.00 2 $211,000.00 5483698 Daniel Franklin 1407 Wilshire Street Springdale AR 72764 33.67 $61,000.00 2 $66,305.00 5483813 James McDonald 6014 Cowin Drive Huntsville AL 35810 50.00 $55,000.00 2 $75,087.00 Northwest 5483862 Victor Merritt 2007 El Sereno Avenue Pasadena CA 91103 40.76 $121,700.00 2 $180,000.00 5483920 Vincent Le 4680 Via Loma Linda Yorba Linda CA 92886 49.01 $93,400.00 2 $177,533.00 5483961 Desiree Wallace 26148 Workman Place Loma Linda CA 92354 47.65 $34,000.00 2 $135,506.00 5483979 Terese Bullis 688 Route 3-A Bow NH 03304 26.56 $33,000.00 2 $91,412.00 5483987 Michael Rodgers 36515 Highway 31 Stapleton AL 36578 27.34 $23,300.00 2 $82,461.00 5484068 Paula Battles 170 Briargate Lane Madison AL 35758- 38.04 $16,600.00 2 $64,833.00 5484084 William Cotton 3453 Columbia Parkway Decatur GA 30034 45.70 $35,000.00 2 $122,803.00 5484134 Matthew Naumann 1629 Commanchee Circle Lincolnton GA 30817- 33.22 $56,000.00 2 $104,428.00 5484142 Deborah Fligor 3407 South Jackie Visalia CA 93277 48.63 $60,250.00 2 $149,397.00 Street 5484183 Karen Lord 1410 Oakford Court Brandon FL 33511 29.91 $25,000.00 2 $102,863.00 5484191 Yancey Jones 1183 North West 78th Plantation FL 33322 49.49 $27,700.00 2 $93,852.00 Way 5484233 Bruce Kelsey 1707 Beaverbrook Road Rockingham NC 28379 17.40 $49,500.00 2 $63,244.00 5484266 John Zent 3017 Tallowood Drive Marietta GA 30064 46.59 $70,300.00 2 $114,068.00 5484282 Linh Pham 8401 West Hazard Westminster CA 92683 49.02 $81,250.00 2 $141,600.00 Avenue 5484290 Wayne Hittell 4441 Oakmont Circle Fayetteville NC 28311 40.48 $75,800.00 2 $75,900.00 5484357 Marcus Onni 967 Lily CT Morganville NJ 7751 39.58 $31,000.00 2 $161,500.00 5484373 Jeffrey Stark 2508 SW Maxfield Road Topeka KS 66614 44.13 $61,400.00 2 $92,815.00 5484472 Gene Ruybalid 1145 CEDAR AVENUE Naturita CO 81422 49.22 $38,500.00 2 $86,000.00 5484514 James Kates 20 Hamlin Court Middletown CT 06457 36.56 $40,000.00 2 $53,844.00 5484530 Bryan Deitz 105 Draper Street Warner Robins GA 31088 35.36 $39,700.00 2 $65,976.00 5484597 Carolee Forssell 5427 CITRUS AVENUE Whittier CA 90601 44.22 $59,200.00 2 $190,606.00 5484613 Geraldine Wilson 3200 Madison Avenue Bridgeport CT 06606- 46.93 $33,100.00 2 $64,625.00 Unit A55 5484621 Angela Spence 4802 Vesper Circle Palmyra NJ 08065 46.26 $85,000.00 2 $91,130.00 5484670 Jose Garcia 14403 Greenstone Avenue Norwalk CA 90650 46.90 $15,000.00 2 $164,558.00 5484688 Richard Kern 4501 Nicolet Avenue Stevens Point WI 54481- 34.51 $85,000.00 2 $142,000.00 5484738 Marc Levy 10556 Wright Avenue Klamath Falls OR 97603 37.77 $44,200.00 2 $47,822.00 5484753 Michael Moran 2829 Northeast 33rd Fort FL 33306 49.64 $25,000.00 2 $89,053.00 Ct. #302 Lauderdale 5484787 Michele Diller 2798 Bethlehem Circle Broomfield CO 80020 32.15 $30,100.00 2 $194,837.00 5484845 Jeffrey Alley 7500 Wright Way Drive Lawson MO 64062 25.36 $150,000.00 2 $113,594.00 5484860 Thomas Gawronski 10359 Lacy Street Spring Hill FL 34608 49.89 $85,000.00 2 $85,150.00 5484878 Richard Smith 157 Imogene Street Prattville AL 36067 43.33 $37,000.00 2 $70,954.00 5484944 Michael Singleton 16248 Killearn Lane Brooksville FL 34610 44.13 $21,900.00 2 $56,862.00 5484969 Gary Vasile 16 Cedar Street Hartwell GA 30643 33.26 $28,000.00 2 $51,200.00 5485008 Warren Davis 10479 Klamath River Fountain CA 92708 26.49 $40,700.00 2 $354,970.00 Circle Valley 5485016 Betty Myrdahl 12476 Killian Street Brooksville FL 34609 36.80 $34,500.00 2 $45,000.00 5485099 Jonathan Ford 4886 Marshall Drive Omaha NE 68137 35.37 $59,000.00 2 $66,185.00 5485107 Mark Hachey 2402 Manorwood Drive SE Puyallup WA 98374 29.50 $77,000.00 2 $184,000.00 5485123 Hannelore Funk 73 W Altgeld Glendale IL 60139- 25.78 $18,400.00 2 $113,318.00 Heights 5485156 Kenneth Harris 15030 El Centro Hesperia CA 92345 31.93 $30,500.00 2 $72,236.00 5485172 Alan Stevenson 3850 West Hazard Santa Ana CA 92703 43.94 $23,000.00 2 $110,608.00 Avenue #D 5485206 Richard Wieting 1590 Indian Hill AV Hanover Park IL 60103 49.75 $85,000.00 2 $106,373.00 5485230 Michael Caron 7661 Le Berthon Street Tujunga CA 91042 27.23 $45,000.00 2 $142,477.00 5485248 David Kelly 123 Sage Road Wasilla AK 99654 52.55 $75,000.00 2 $189,150.00 5485271 David Westin 2436 Jade Drive Lawrenceville GA 30044 32.01 $32,000.00 2 $85,687.00 5485339 William Parsons 13101 Glenwood Place Gulfport MS 39503- 37.31 $27,000.00 2 $103,896.00 5485347 Carol Cassidy 26 Marina Cove Dr Niceville FL 32578- 39.30 $63,000.00 2 $98,505.00 5485404 Teresa Wilson 3808 Summer Leigh Court Loganville GA 30052 48.89 $38,700.00 2 $91,401.00 5485412 Michael Demsky 15540 Sherman Way #16 Los Angeles CA 91406 40.24 $55,000.00 2 $63,010.00 5485495 Malcolm Peacock 513 Kennedy Road Gardendale AL 35071 26.35 $41,000.00 2 $119,137.00 5485537 Carl Barnes 849 BAYBERRY LOOP Clewiston FL 33440- 45.62 $78,500.00 2 $93,585.00 5485552 Lyle Friend 3430 I ST NE K 102 Auburn WA 98002- 38.32 $24,900.00 2 $34,805.00 5485602 Emmett Wells 125 Upland Drive Vista CA 92084 31.09 $50,000.00 2 $210,000.00 5485628 Kevin Schulz 13551 CROSLEY Redford MI 48239 28.77 $22,300.00 2 $106,871.00 5485644 Robin Thomas 1221 Rumson Drive Birmingham AL 35226 38.66 $90,000.00 2 $163,230.00 5485677 John Rippeto 2010 East Harding Long Beach CA 90806 39.95 $45,000.00 2 $187,500.00 Street 5485685 Carolyn Whisonant 9 Ashford Circle Birmingham AL 35244- 31.67 $33,000.00 2 $107,000.00 5485727 Alma Randolph 3001 Stirrup Loop Owensboro KY 42303 40.37 $31,000.00 2 $84,727.00 5485750 Stanley Struhs 8501 Belmar Avenue Northridge CA 91324 43.63 $78,900.00 2 $176,000.00 5485792 Melissa Barr 104 1st way West Palm FL 33407 36.68 $31,900.00 2 $54,304.00 Beach 5485826 Bill Wasowicz 1363 Bay Avenue 6 Homer AK 99603 39.07 $42,200.00 2 $73,677.00 5485842 Roy Lavack 1709 York Court Fort Pierce FL 34982- 43.31 $41,900.00 2 $53,610.00 5485941 David Poush 3446 South Pecos Way Las Vegas NV 89121 30.09 $62,000.00 2 $70,863.00 5486030 James Moore 8712 Northeast 109th Vancouver WA 98662- 44.14 $23,000.00 2 $125,900.00 Court 5486055 Maurice Sherffius 3120 Browning Street Lincoln NE 68516 41.59 $84,700.00 2 $214,500.00 5486071 Frank Gaskin 3174 Bel Air Drive Las Vegas NV 89109 19.70 $84,900.00 2 $248,522.00 5486188 Casey Trujillo 408 410A & 410B S. Santa Ana CA 92701 49.13 $70,000.00 2 $207,986.00 Orange A 5486212 George Goodwin 6435 Heatherwood Drive Riverside CA 92509 32.29 $35,000.00 2 $99,392.00 5486253 Gregory Wallpe 2325 Hinton Road Dacula GA 30019 50.61 $75,000.00 2 $81,861.00 5486295 Tyron Howse 32 Will Rogers Avenue Edgewood NM 87015 38.95 $31,500.00 2 $67,000.00 5486311 Edward Bueno 549 Racquet Club Rd. 29 Weston FL 33326 45.62 $35,000.00 2 $105,814.00 5486352 Samuel LaVergne 229 North Poplar St. Charlotte NC 28202 44.25 $32,100.00 2 $122,866.00 #18 5486360 Richard McIntyre 116 Sharidan Avenue Muscle Shoals AL 35661 35.56 $29,400.00 2 $63,074.00 5486386 Cecelia Dodd 25960 Hwy 195 Double Springs AL 35553 39.63 $21,750.00 2 $51,649.00 5486402 Arthur Herrera 15801 Cedarwood Place Victorville CA 92392 38.07 $16,000.00 2 $79,618.00 5486428 Hasi Mundoe 523 Parlin Street Philadelphia PA 19116 48.09 $52,000.00 2 $87,180.00 5486451 Darin Moynihan 7402 Ida Street Lemon Grove CA 91945 38.20 $28,700.00 2 $155,601.38 5486485 Jimmy Yelvington 8 Sandy Lake Circle Ormond Beach FL 32174 27.25 $32,700.00 2 $82,900.00 5486493 Robin Passe 518 12th Street East Wabasha MN 55981 44.66 $69,600.00 2 $111,520.00 5486519 Jason Smith 1845 Timothy Lane Lancaster PA 17602 43.15 $63,300.00 2 $183,871.00 5486543 M. Therese Swan 6931 Langmuir Lane Dublin CA 94568 41.47 $85,000.00 2 $142,250.00 5486576 Stephen Castle 1408 Old Mill Court Independence MO 64056 45.38 $42,000.00 2 $37,291.00 5486584 Jerry Henrie 810 East Shannon Road Kaysville UT 84037 31.57 $85,000.00 2 $133,000.00 5486592 George Frank 7302 South Miller Littleton CO 80127 26.68 $113,700.00 2 $131,008.00 Street 5486667 Harold Winkles 3914 Birkemeier Drive Florissant MO 63034 31.94 $30,400.00 2 $103,776.00 5486675 Amanda Feliciano 4033 Wilbur Drive Columbus GA 31909 45.53 $65,000.00 2 $102,443.00 5486733 Leonard Sanders 1567 South Sylmar Fresno CA 93727 33.26 $72,000.00 2 $98,000.00 Avenue 5486741 Henry Fricker 27334 Englewood Street Moreno Valley CA 92555 47.54 $73,000.00 2 $158,454.00 5486865 Patrick Taylor 3142 White Canyon Way Antelope CA 95843 29.68 $60,000.00 2 $147,875.00 5486873 Triston Matthews 694 Central Avenue Saint Paul MN 55104 45.50 $58,500.00 2 $79,149.00 5486923 Kristen Boano 31992 Camino Molnar Temecula CA 92592 45.84 $36,800.00 2 $191,914.00 5486972 James Bauer 674 Spinnaker Fort FL 33326 34.86 $106,000.00 2 $204,715.00 Lauderdale 5486998 Ronald Richardson 3122 Clover Hills Elko NV 89801 45.73 $30,000.00 2 $120,600.00 Circle 5487020 Joseph Sittineri 3 Benche Court Cape May Ct NJ 8210 50.08 $45,000.00 2 $81,911.00 House 5487038 Donald Parker 3921 Johnstown Drive Montgomery AL 36109 27.60 $60,000.00 2 $80,889.00 5487053 Barbara Kuykendall 119 Racquet Club Drive Compton CA 90220 32.43 $35,000.00 2 $101,452.00 5487061 Robert Lisi 984 Camino Del Sol Chula Vista CA 91910 34.89 $40,000.00 2 $201,369.00 5487103 Nino Pavan 2043 Dorothy Street West Covina CA 91792 48.73 $62,000.00 2 $225,000.00 5487160 Anthony Aguilera 275 Mountain View Road Elgin OK 73538 41.67 $23,100.00 2 $99,188.00 5487178 Loretta McCormick 2211 Tipperary Court Orlando FL 32812 48.22 $35,800.00 2 $83,743.00 5487186 Steven Mammen 514 W Verness ST Covina CA 91723 49.61 $25,000.00 2 $189,632.00 5487251 Jeffrey Taylor 23129 Pamplico Drive Valencia CA 91354 46.61 $21,800.00 2 $157,998.00 5487269 Alloysius Ramnarine 9632 EAST 28TH STREET TULSA OK 74129 38.56 $36,700.00 2 $83,873.00 5487327 Bryan Walde 9010 Jergens Court San Diego CA 92126 49.71 $90,000.00 2 $190,600.00 5487335 Daryl Withrow 26 VILLAGE ROAD SPRINGFIELD MA 1129 49.16 $45,000.00 2 $95,505.00 5487418 John Levis 35 Macintosh Drive Oxford CT 6478 49.52 $125,000.00 2 $157,685.00 5487426 Mike Rosa 1481 Columbia Avenue tulare CA 93274 49.29 $54,600.00 2 $87,773.00 5487442 Russell Wright 1620 Park Avenue Lansing MI 48910 27.75 $18,000.00 2 $67,418.00 5487467 David Combs 1228 Halifax Court Tallahassee FL 32308 38.53 $25,500.00 2 $87,854.00 5487483 Thomas Mcrorie 2155 Amorosa Glen Escondido CA 92026 51.95 $150,000.00 2 $186,203.00 5487517 Linda Brimm 423 Glen Avenue Moorsetown NJ 8057 42.59 $48,000.00 2 $117,328.00 5487558 Terry Vineyard 12256 C street Trona CA 93592 34.09 $30,000.00 1 $0.00 5487582 Brian Hutt 1427 Ellen Lane Apopka FL 32712 36.86 $20,000.00 2 $64,527.00 5487590 Van Fortier 2325 Primio Way Sparks NV 89434 52.93 $81,900.00 2 $166,067.00 5487665 Carrie DeLacey 2330 9th Street Bremerton WA 98312 43.02 $42,000.00 2 $84,000.00 5487715 Ellen Halverson 2343 Dale Street Eugene OR 97401 49.86 $69,500.00 2 $172,000.00 5487731 Andrew Santos 844 Harbor Boulevard La Habra CA 90631 43.63 $42,700.00 2 $134,885.00 5487749 Lyndon Parsons 31637 Willow View Place Lake Elsinore CA 92532 48.08 $24,400.00 2 $108,315.00 5487764 Charles Grady 6705 Duck Landing Court Suffolk VA 23435 35.04 $42,400.00 2 $102,328.00 5487780 Troy Fletcher 34 Bridle Lane Aliso Viejo CA 92656 40.46 $59,500.00 2 $128,000.00 5487806 Unnar Lawson 1261 Grand Cayman Drive Merritt Island FL 32952 26.84 $75,300.00 2 $147,522.00 5487871 Guillermo Rosario 10 Shelley Road Poughkeepsie NY 12603 51.02 $116,000.00 2 $128,000.00 5487988 Justin Maddox 8985 Haviland Road Las Vegas NV 89123 41.65 $34,000.00 2 $143,995.00 5487996 James M. Purucker 262 North Danielson Way Chandler AZ 85225 47.20 $45,000.00 2 $174,593.00 5488127 Paul Betts, Jr. 484 Belle Vista Drive Chula Vista CA 91910 39.80 $101,700.00 2 $142,069.00 #208 5488200 Jay Halsema 1264 Eutaw Place Jacksonville FL 32207 42.54 $31,000.00 2 $105,000.00 5488259 Linda D. Tanner 16520 NW 22nd Street Pembroke Pines FL 33028 43.28 $48,000.00 2 $112,800.00 5488267 Sonja Allen 29-166 Kulaiwi Road Hakalau HI 96710 48.52 $81,500.00 2 $135,128.00 5522016 Esaias Pettit 22718 South Figueroa Carson CA 90745 40.65 $35,000.00 2 $75,000.00 5522024 Lisa Warner 5 Allen Court Manalapan NJ 7726 39.12 $50,000.00 2 $197,125.00 5522040 Jason Roepel 4500 Richard Drive Los Angeles CA 90032 37.15 $30,000.00 2 $147,925.00 5522123 Thomas Blanchard 5408 Angus Drive Virginia Beach VA 23464 50.48 $24,000.00 2 $150,000.00 5522271 Robert Routh 420 Sugar Maple Lane Windsor CA 95492 49.50 $60,700.00 2 $213,106.00 5522388 James Hug 201 Hounds Chase Yorktown VA 23693 44.78 $85,000.00 2 $127,000.00 5522446 Barbara Butler 2879 West Roland Place Denver CO 80219 42.90 $70,000.00 2 $84,110.00 5522461 Pedro Ramos 133-12 Linden Boulevard South Ozone NY 11420 41.82 $40,000.00 2 $191,317.00 Park 5522610 Mitchell Smith 827 Lynnwood Avenue Renton WA 98056 28.83 $85,000.00 2 $171,705.00 N.E. 5522651 Rafael Verdejo 499 Vanderbilt Avenue Staten Island NY 10304 48.34 $39,300.00 2 $142,604.00 5522719 Gary McClimans 21 Elm Street Attica OH 44807 17.73 $32,400.00 2 $35,746.00 5522735 Susan Schlesinger 5014 Sea Drift Way San Diego CA 92154 48.08 $60,500.00 2 $354,116.00 5522800 David Beeby 4860 S. Spinnaker Drive Freeland WA 98249 38.31 $38,800.00 2 $119,000.00 5522834 John Slafkosky 1552 Happy Valley Crown Point IN 46307 46.43 $48,000.00 2 $118,970.00 Drive 5522842 Randall Arvay 12791 Dogwood Hills Fairfax VA 22033 35.31 $50,000.00 2 $200,000.00 Lane 5522891 Jay Viner 15 Acorn Lane Milford CT 06460 44.58 $65,000.00 2 $210,402.00 5522917 Eric Hunter 348 COCO COURT Kissimmee FL 34758 33.43 $28,500.00 2 $93,630.00 5522925 Daniel Mari 7822 Berkshire Dr Hanover Park IL 60103 33.58 $44,500.00 2 $115,128.00 5522966 Ramsay Pryce 1100 W Joan Of Arc Palmer AK 99645 38.95 $26,000.00 2 $152,486.00 5522982 Matthew Popovich 4036 Forest Island Orlando FL 32826 40.91 $47,000.00 2 $102,421.00 Drive 5523022 Charles Weidman 43 2nd Avenue Lehighton PA 18235 29.74 $43,500.00 2 $54,563.00 5523063 Alejandro Charles 9827 Lavonda Street Riverview FL 33569 48.94 $30,000.00 2 $198,900.00 5523097 Glenn Hacek, SR. 6258 SHERMAN DRIVE SE Aumsville OR 97325 36.96 $46,000.00 2 $146,168.00 5523121 Charlotte Saulter 2830 21ST Street 6 San Pablo CA 94806 39.55 $65,900.00 2 $74,483.00 5523139 James Dawson 140 South High Street Hebron OH 43025 42.19 $39,300.00 2 $111,150.00 5523154 Gary Wion 2824 Airons Court West CA 95691 32.12 $25,000.00 2 $182,649.00 Sacramento 5523246 Jon Jackson 18011 THEODORA DRIVE Tustin CA 92780 53.06 $82,200.00 2 $200,000.00 5523253 Philip Henson 243 GUY ST Roanoke AL 36274 28.69 $40,000.00 2 $121,600.00 5523287 Robert Bixby 3716 Blueridge Lane Fort Wayne IN 46815 48.07 $29,300.00 2 $95,245.00 5523360 Eric Anderson 12731 Rivulet Circle Anchorage AK 99516 46.56 $125,000.00 2 $300,957.00 5523394 Dana Penny 22339 Independence Woodhaven MI 48183 44.58 $20,000.00 2 $145,256.00 Steet 5523410 Christopher Connelly 5684 Highway 30 West The Dalles OR 97058 48.19 $38,100.00 2 $82,007.00 5523444 Olindo Carmosino 11863 Williams Way Northglenn CO 80233 48.36 $37,200.00 2 $111,450.00 5523451 Carri Gillenwater 1421 4100 Road Paonia CO 81428 39.16 $56,500.00 2 $30,763.00 5523477 Paul Coon 8582 Goldeneye Lane Jacksonville FL 32217 42.83 $25,200.00 2 $77,977.00 5523485 Marty Dixon 435 Cobb Road Ohatchee AL 36271 29.68 $27,900.00 2 $90,375.00 5523535 Elaine Wilkerson 202 South Keystone Enid OK 73703 31.09 $29,300.00 2 $45,272.00 Drive 5523550 Elizabeth Watterson 4665 Lakehurst Way Littleton CO 80127 46.06 $90,500.00 2 $123,572.00 5523576 Michael Martin 13663 Tara Hills Circle Gulfport MS 39503 49.87 $36,500.00 2 $150,100.00 5523626 Iduan Chandra 32 W 38th Street Bayonne NJ 7002 48.62 $85,000.00 2 $165,433.00 5523717 Mary Neal 1626 Owen Street Saginaw MI 48601 34.99 $34,100.00 2 $33,500.00 5523774 Charles Brown 4308 Whistle Lake Road Anacortes WA 98221 49.70 $70,000.00 2 $215,000.00 5523857 John Taylor 189 Brooks Drive Stockbridge GA 30281 49.14 $38,500.00 2 $150,125.00 5523865 Frank Griggs III 101 Leeford Court Irmo SC 29063 44.56 $40,600.00 2 $67,611.00 5523873 Lynda Tilton 1452 Lawrence Place Jacksonville FL 32211 32.42 $25,000.00 2 $50,873.00 5523964 Orlando Megia 5314 Harvest Gold Drive Stockton CA 95219 47.07 $40,000.00 2 $155,479.00 5524046 Leonard Mussack 2521 Primerose LN Upland CA 91784 50.86 $150,000.00 2 $335,719.00 5524079 Charles Wilson 4561 Paloma Lane Yorba Linda CA 92886 46.22 $85,300.00 2 $212,034.00 5524137 Alberto Perez 49 PAYNE RIVER CIRCLE SACRAMENTO CA 95831 43.59 $60,000.00 2 $168,410.00 5524145 Clarence Hopwood 4530 Summerset Drive Gainesville GA 30507 36.50 $50,000.00 2 $111,603.00 5524152 John Davis 1377 Silverfork Road Kyburz CA 95720 49.95 $39,500.00 2 $118,400.00 5524202 Marcia Lewis 7523 Kittiwake Drive SE Olympia WA 98513 39.06 $17,000.00 2 $116,321.00 5524210 John Michel 1873 PLANK ROAD RAEFORD NC 28376 29.46 $26,200.00 2 $74,386.00 5524228 Terence Featherstone 10 Marlboro Lane Eugene OR 97405 46.92 $25,000.00 2 $223,789.00 5524251 Billy Holcomb 26971 First Street Westlake OH 44145 49.98 $28,500.00 2 $136,000.00 5524319 Dean Nash 11 Lompoc Court County Of CA 92688 48.26 $30,300.00 2 $210,000.00 Orange 5524335 Robert Carr 9289 Island Road Bristol VA 24210 47.37 $21,500.00 2 $60,234.00 5524343 Jason Coram 729 Deming Street Grand Rapids MI 49507 30.42 $25,000.00 2 $108,799.00 5524368 Mark Waldrop 416 Amanda Way Rocky Face GA 30740 39.11 $100,000.00 2 $174,332.00 5524384 Paul Gregory 16611 Kettler Lane Huntington CA 92647 48.68 $75,000.00 2 $239,085.00 Beach 5524418 Daniel Anghel 4895 North Bridges Alpharetta GA 30022 42.15 $78,200.00 2 $91,436.00 Drive 5524483 William Morgan 53 Blueberry Circle Ellington CT 6029 33.30 $61,000.00 2 $124,598.00 5524517 James Davies 1607 East Schwartz Blvd Lady Lake FL 32159 30.87 $21,600.00 2 $52,520.00 5524566 TAMMY SISSON 22456 SMILEY COURT SANTA CLARITA CA 91350 35.74 $150,000.00 2 $198,190.00 5524590 Patricia Castellar 951-953 111 Street Biscayne Park FL 33161 47.30 $85,000.00 2 $134,554.00 5524608 Danial Pick 21313 38th Avenue Spanaway WA 98387 49.68 $51,200.00 2 $112,343.00 Court East 5524616 Anthony Saylor 1071 Country Club Drive St. Clair MI 48082 43.13 $40,000.00 2 $106,073.00 Shores 5524681 Robert Prom 1625 Ramona Avenue Spring Valley CA 91977 48.20 $85,000.00 2 $146,600.00 Area 5524707 James Whitehall 21291 Seasprite Circle Huntington CA 92646 49.60 $39,500.00 2 $195,000.00 Beach 5524715 Joseph Supinsky 14829 Back Street Midland MD 21542 38.77 $36,400.00 2 $46,800.00 5524756 Thomas Bentley 41473 Zinfandel Avenue Temecula CA 92591 44.45 $22,300.00 2 $120,643.00 5524764 Wade Greer 225 Cedar Lane Moriarty NM 87035 35.91 $38,400.00 2 $115,000.00 5524822 Pernell Dye 15554 Elm Street Basehor KS 66007 48.49 $55,000.00 2 $102,000.00 5524848 Mary Hyatt 3601 Alicia Way Chino CA 91710 31.77 $78,000.00 2 $213,354.00 5524871 Fredric Beytin 25531 Foggy Glen Drive Castro Valley CA 94552 46.33 $150,000.00 2 $230,294.00 5524939 Paul Mac Farland 217 Bishop Avenue Point Richmond CA 94801 44.94 $130,300.00 2 $311,004.00 5524962 Louise Layton 213 West Street Harrington DE 19952 21.03 $40,000.00 2 $44,709.00 5524970 Kenneth Nelson 13802 Eucalyptus Avenue Hawthorne CA 90250 41.49 $15,700.00 2 $210,949.00 5524988 John Johnson 512 Green Dr. Enterprise AL 36330 39.37 $45,700.00 2 $99,306.00 5525019 Donald Olsen 8378 Gabriel Drive Rancho CA 91730 47.74 $46,000.00 2 $96,613.00 Unit E Cucamonga 5525027 Rogelio Torres 11100 N W 24th Court Sunrise FL 33322 43.38 $55,400.00 2 $114,570.00 5525076 Danny Cannon 2023 New Berlin Road Jacksonville FL 32218 47.80 $41,000.00 2 $147,700.00 5525084 Paul Cadena 2577 Orange Glory Drive Henderson NV 89052 28.06 $35,500.00 2 $163,066.00 5525118 Lanita Robertson 320 Stonebridge New Castle DE 19720 50.44 $38,000.00 2 $89,919.00 Boulevard 5525183 Marion Backus 476 Cronin Road Virginia Beach VA 23452 43.79 $27,000.00 2 $68,000.00 5525191 Ernesto Magana 6768 Summerfield Court Chino CA 91710 43.84 $37,000.00 2 $144,019.00 5525233 Susan Macias 1216 West Sharon Road Santa Ana CA 92706 31.81 $125,000.00 2 $296,014.00 5525241 Jimmie Bleything 215 3rd Street West Point IA 52656 36.77 $27,200.00 2 $31,156.00 5525365 John Boyer 722 Walnut Street Meadville PA 16335 32.91 $26,700.00 2 $66,741.00 5525399 Wilcer Godoy 43853 Estrella Lane Lancaster CA 93535 46.47 $25,000.00 2 $72,285.00 5525431 David Basco 14249 Woodland Drive Fontana CA 92337 42.57 $36,000.00 2 $88,119.00 5525449 Duane Johnson 1107 Marline Avenue El Cajon CA 92021 44.10 $20,000.00 2 $149,765.00 5525456 Douglas Borowski 39 Shrine Avevue W. Boylston MA 01583 26.55 $22,500.00 2 $116,189.00 5525480 Wade Williams 5445 Buffalo Avenue Sherman Oaks CA 91401 47.91 $66,000.00 2 $225,095.00 5525506 Edmond Williams 24321 Via Vargas Drive Moreno Valley CA 92553 45.12 $68,300.00 2 $94,173.00 5525589 Thadeus Twardak 5021 Rangeview Avenue Los Angeles CA 90042 20.83 $23,000.00 2 $140,952.00 5525613 Clyde Johnson 7255 Golden Star Avenue Las Vegas NV 89130 39.90 $60,000.00 2 $91,366.00 5525647 Ryan Hadley 360 Shawnee Lane Superior CO 80027 47.69 $43,800.00 2 $186,174.00 5525704 Maxwell Giddens 1028 KOKANEE LANE GRANTS PASS OR 97527 41.49 $16,800.00 2 $106,885.00 5525720 Stewart Salisbury 103 Moss Hill Court peachtree city GA 30269 49.41 $40,700.00 2 $126,000.00 5525761 Garry Coble 530 Lacey Place East Wenatchee WA 98802 46.55 $51,800.00 2 $127,154.00 5525795 Randy Rogers 615 Fifth Ave Belmond IA 50421 45.01 $35,000.00 2 $115,344.00 5525803 Catherine Johnson 1052 Seco Street 206 Pasadena CA 91103 47.38 $22,500.00 2 $131,567.00 5525811 Conrado Zarzoso 14768 Tennessee Court Fontana CA 92336 43.08 $72,800.00 2 $183,078.00 5525829 Mary Hagar 10207 Bell Gardens Santee CA 92071 42.69 $59,700.00 2 $61,430.00 Drive #3 5525845 Kurt Allen 10789 Appaloosa Court Parker CO 80134 38.75 $71,000.00 2 $190,000.00 5525878 Vincent Metichecchia 11255 East Avenue R-2 Littlerock CA 93543 49.22 $28,400.00 2 $84,345.00 5525886 Billie Prince 343 East Brett Street Inglewood CA 90302 31.43 $35,000.00 2 $198,000.00 5525902 Kenny Harper 10979 Marbella Drive Rancho CA 91737 48.10 $85,000.00 2 $200,000.00 Cucamonga 5525977 Michael Neumeyer 8630 ARA PLACE San Diego CA 92126 45.19 $30,000.00 2 $212,000.00 5526033 Robert Partridge 210 Blair Shores Road Roper NC 27970 49.78 $79,700.00 2 $168,817.00 Ext. 5526082 Kelly Riddle 17883 Graystone Avenue Chino Hills CA 91709 41.78 $23,700.00 2 $117,272.00 #202 5526124 Robert Wilkinson 16 Elizabeth Street Ansonia CT 06401 45.83 $49,200.00 2 $89,063.00 5526132 Nicholas Weidhaas 10 Plumbrook Drive Easthampton MA 1027 33.03 $40,000.00 2 $123,000.00 5526140 Cindy Wallinsky 9645 Olive Street Bellflower CA 90706 38.60 $51,000.00 2 $119,818.00 5526157 Ronald Johnston 1212 PARIS AVENUE Hannibal MO 63401 30.63 $15,000.00 2 $27,889.00 5526165 Mary Brion 116 West Maple Street Glendale CA 91204 27.70 $30,000.00 2 $116,335.00 #8 5526181 Dallas Gilfoy 213 South Joaquin Coalinga CA 93210 34.37 $75,400.00 2 $86,907.00 Street 5526199 Leon Van Horn 2 Main Street Harrisonville NJ 8039 40.57 $41,900.00 2 $82,921.00 5526207 Jason Ensminger 7849 Lewis River Road Ariel WA 98603 47.81 $30,900.00 2 $169,617.00 5526231 Gary Carter 122 Veterans Avenue Plano KY 42104 42.90 $47,900.00 2 $104,725.00 5526249 Donald Jones 2209 Pentland Drive Birmingham AL 35235 29.56 $42,500.00 2 $77,935.00 5526280 Cathy Elkins 6304 BARRIE ST Dearborn MI 48126 45.90 $48,500.00 2 $106,118.00 5526306 Steven Spray 580 South Seventh Chambersburg PA 17201 22.72 $46,600.00 2 $92,756.00 Street 5526314 Joseph Collier 4985 Poplar Springs Gainesville GA 30507 32.11 $33,000.00 2 $97,038.00 Circle 5526330 Craig Lamson 1217 South Norma Ridgecrest CA 93555 24.62 $51,200.00 2 $41,350.00 5526371 Matthew Funk 712 Hollowglen Road Oceanside CA 92057 45.47 $17,600.00 2 $159,567.00 5526389 Roger Briggs 3619 Julia Avenue Bellingham WA 98226 42.85 $85,000.00 2 $227,591.00 5526397 Dawit Rikitu 521 South Woods Avenue Fullerton CA 92832 41.77 $64,500.00 2 $173,350.00 5526413 Lawrence Swanson 10920 Chantilly Court Santee CA 92071 42.57 $22,300.00 2 $178,063.00 5526454 Paul Guinto 32221 Camino Guardo Temecula CA 92592 49.66 $139,000.00 2 $178,605.00 5526504 Robert Martinez 35235 La Flora Drive Yucaipa CA 92399 27.52 $24,000.00 2 $70,770.00 5526512 Lynn Abu El Haj 25702 Dracaea Avenue Moreno Valley CA 92553 48.18 $57,000.00 2 $118,570.00 5526538 Charles Zeller 13101 Sunnybrook Garden Grove CA 92844 49.99 $40,000.00 2 $121,000.00 Circle 104 5526579 Daniel Hartman 1500 W. 42nd Anchorage AK 99503 43.65 $36,700.00 2 $121,600.00 5526587 Sterling Ripley 400 Kingston View Pahrump NV 89041 30.49 $70,000.00 2 $71,184.00 Avenue 5526595 Harry Streng 11100 Acama Street #19 Studio City CA 91602 49.03 $30,000.00 2 $110,539.00 5526637 John Gleissner 103 Lincoln Street Statesboro GA 30460 48.06 $55,000.00 2 $73,527.00 5526652 Troy Hayman Jr. 2284 Mountain View Washington DC 20020 45.37 $32,000.00 2 $80,000.00 Place SE 5526678 Leo Stromer 1016 Sunset Mountain RD Reno NV 89506 38.93 $46,700.00 2 $148,173.00 5526694 Greg Ayvazyan 1120 1122 West 96th Los Angeles CA 90044 46.84 $60,000.00 2 $198,365.00 Street 5526702 David Boswell 9645 West Sweetwater Agua Dulce CA 91350 49.18 $150,000.00 2 $409,500.00 Drive 5526736 William Miller 1401 Avocado Lane Medford OR 97504 36.62 $40,900.00 2 $138,860.00 5526801 Stephanie Coombs 498 South 100 West Logan UT 84321 48.56 $34,200.00 2 $84,069.00 5526819 Chris Martin 30380 Sunland Way Tehachapi CA 93561 34.28 $41,500.00 2 $133,000.00 5526843 John Weems 608 East Curtis Street Laramie WY 82051 39.60 $27,800.00 2 $76,031.00 5543475 Vernon Jones 29518 Road 156 Visalia CA 93292 47.01 $22,500.00 2 $126,000.00 5543491 David Hash 110 Kipling Lane Galax VA 24333 44.03 $50,000.00 2 $103,500.00 5543541 Christopher Kist 2503 Lee Pyle Road De Soto MO 63020 34.54 $27,000.00 2 $90,599.00 5543582 P. Childers 392 Meadowview Drive Winder GA 30680 42.17 $39,400.00 2 $64,921.00 5543616 Lucky Besecker 2802 Tenth Street Englewood FL 34224 38.94 $33,800.00 2 $58,000.00 5543640 Michael Segraves 464 West Decatur Street Decatur IL 62521 46.82 $24,000.00 2 $29,500.00 5543681 Dorri Smith 538 Fruitwood Drive Grand Junction CO 81504 36.04 $47,200.00 2 $123,053.00 5543723 Deborah Zawel 9800 Vesper Avenue #165 Panorama City CA 91402 34.21 $22,250.00 2 $79,055.00 Area 5543731 William Thomas 105 Holly Berry Road New Bern NC 28562 49.28 $33,200.00 2 $118,100.00 5543814 John Nylander 7330 Westlawn Los Angeles CA 90045 43.15 $150,000.00 2 $355,500.00 5543863 Lafayette Jones 102 Flintlock Road Williamsburg VA 23185 34.65 $39,000.00 2 $121,000.00 5543889 Richard Welsheimer 80304 South Edwards Hermiston OR 97838 33.03 $37,500.00 2 $94,684.00 Road 5543939 Stephen Rye 900 Fifth Street Charles City IA 50616 35.64 $45,000.00 2 $112,800.00 5543954 Frances Davis 3344 County Road 40 Chancellor AL 36316 47.54 $43,100.00 2 $112,674.00 5544044 Kirk Blumenshine 37175 Minke Drive Kenai AK 99611 40.86 $68,000.00 2 $175,542.00 5544184 James Woods 7905 Lake Street Monroe MI 48161 39.04 $38,000.00 2 $149,000.00 5544200 Daris Justice 41920 Royal Coachman Chiloquin OR 97624 26.88 $24,000.00 2 $57,000.00 Drive 5544283 Pamela Tansill 5711 Meadowview Road Rex GA 30273 42.16 $36,500.00 2 $101,897.00 5544291 Peter Gudz 1637 Woodlands Run Hagerstown MD 21742 47.61 $29,000.00 2 $77,000.00 5544309 SCOTT MC LAUGHLIN 515 South Ellsworth Allentown PA 18103 36.70 $31,000.00 2 $60,000.00 Street 5544333 Eric Waller 1378 Evah Lane West Linn OR 97068 36.91 $85,000.00 2 $342,000.00 5544358 Carlos Aponte 2802 Browning Street Sarasota FL 34237 48.75 $25,000.00 2 $68,161.00 5544390 William Eddy 18 Woods Edge Road Audubon PA 19403 48.03 $33,000.00 2 $136,146.00 5544416 David Conner 4822 Terrier Court Fontana CA 92336 51.18 $100,000.00 2 $178,500.00 5544473 Robert Simer 3912 West Ballard Road Spokane WA 99208 43.02 $54,500.00 2 $103,600.00 5544499 Gary Kameehonua, Jr. 95-970 Wikao Street Mililani HI 96789 36.45 $59,000.00 2 $190,482.00 #J301 5544549 Nicholas Markert 31 Parsons Road Lincoln Park NJ 07035 51.44 $42,200.00 2 $184,136.00 5544556 Lawrence Williams 7507 Hickory Trail Wonder Lake IL 60097 47.43 $26,700.00 2 $115,000.00 5544614 Thomas O'Connell 66 Belle Soleil Avenue Las Vegas NV 89123 33.07 $23,000.00 2 $114,000.00 5544689 Ricky Harrison 440 3rd Street Baker City OR 97814 28.31 $40,000.00 2 $68,000.00 5544721 Gamal Anani 1585 Virginia Avenue Palm Harbor FL 34683 45.50 $50,000.00 2 $148,691.00 5544770 Lee Fothergill 10 Jefferson Street Glens Falls NY 12804 41.12 $23,000.00 2 $127,000.00 5544788 Todd Tompkins 281 Park Street West Haven CT 6516 49.55 $50,000.00 2 $110,000.00 5544838 Charles Downs 392 South Miraleste San Pedro CA 90732 48.73 $60,000.00 2 $95,113.00 Drive #492 5544846 Vasilios Sezenias 164 Sterling Hill Road Plainfield CT 06374 50.67 $75,000.00 2 $112,500.00 5544853 Michael Beck 8685 Seminole Trail Tualatin OR 97062 40.80 $74,000.00 2 $141,039.00 5544929 Charles Jackson 6910 Cheswick Drive Riverdale GA 30296 36.76 $85,000.00 2 $110,637.00 5545082 Horst Reimann 1117 Lakeview Terrace Azusa CA 91702 42.97 $21,800.00 2 $142,000.00 5545090 Leslie Moore 202 Badger Drive Harvest AL 35749 37.80 $57,800.00 2 $175,710.00 5545181 Frederick Oberdorfer 3918 East 24th Avenue Spokane WA 99223 36.49 $22,300.00 2 $81,589.00 5545314 Kyle Joye 64860 Grande Loop Bend OR 97701 51.71 $42,500.00 2 $130,362.00 5545322 Margaret Ruby 3720 Rinner Circle Anchorage AK 99507 51.74 $40,800.00 2 $116,900.00 5545330 John England Jr 3515 Warwick Street Pascagoula MS 39581 46.47 $52,500.00 2 $53,974.00 5545413 Rodolfo Rodriguez 6119 Wunderlin Avenue San Diego CA 92114 34.79 $30,000.00 2 $121,887.00 5545496 Mark Little 16121 Sandy Lane Los Angeles CA 91436 47.02 $150,000.00 2 $599,200.00 5545504 James Patton 9196 WINTERSET DRIVE Manassas VA 22110 49.64 $25,000.00 2 $139,583.00 5545538 John Imbriano 1028 Stamford Court Corona CA 91720 50.14 $20,000.00 2 $177,332.00 5545561 John Davis 5305 Hwy 45 South Sharon TN 38255 50.00 $29,500.00 2 $64,000.00 5545579 Keith Alt 117 Apache Ln Ottawa OH 45875 36.65 $80,000.00 2 $199,500.00 5545587 Vince Cavender 1043 Redberry Drive Corona CA 91719 40.31 $57,000.00 2 $181,531.00 5545595 Mihajlo Radic 93 ORCHID COURT Dover Township NJ 08753 30.48 $47,000.00 2 $143,212.00 5545611 Ryan Bowman 105 Morningside Seneca SC 29678 47.21 $59,000.00 2 $88,500.00 Heights Drive 5545645 Robert Thomas 5169 Pine Ridge Street Norton Shores MI 49441 33.80 $28,000.00 2 $146,000.00 5545702 Kirk Warren 4270 Doubletree Court Cummings GA 30040 19.80 $31,000.00 2 $140,464.00 5545736 Thomas Gibson 1488 Avenida De La Thousand Oaks CA 91360 41.87 $85,000.00 2 $161,333.00 Arboles 5545777 S. Sherif 3544 N.W. 88 Terrace Gainesville FL 32606 24.34 $55,300.00 2 $95,729.00 5545785 Bude Fondurulia 46594 40th Avenue Isle MN 56342 48.54 $35,000.00 2 $60,035.00 5545827 Erwin Friedrich 1138 Simcoe Flint MI 48507 39.16 $45,000.00 2 $54,870.00 5545835 Cesar Cap 10257 Laurel Canyon Pacoima CA 91331 50.50 $58,000.00 2 $162,854.00 Blvd. 5545876 James Glass Route 10 Pineville WV 24874 32.49 $21,000.00 2 $27,000.00 5545892 David Schmitt 1229 South West High Topeka KS 66604 38.28 $42,500.00 2 $23,793.00 Avenue 5545900 Bob Musgrove 1259 Silverberry DRIVE Fairbanks AK 99712 38.35 $39,800.00 2 $157,513.00 5545918 Roberta Hanscomb 63 Webb Street #5 Meriden CT 06451 43.71 $36,200.00 2 $38,643.00 5545983 Glen Henson 1302 Nickel Drive Loveland CO 80537 39.38 $30,000.00 2 $212,325.00 5546015 Braden Smith 1092 Clear Lake Avenue Battle Creek MI 49015 46.50 $84,200.00 2 $93,041.00 5546049 David Nelson 435 W Chowan Street Kill Devil NC 27948 40.64 $33,000.00 2 $84,629.00 Hills 5546163 Paul Sult, III 2734 Oxborough Drive Matthews NC 28105 51.14 $145,000.00 2 $179,000.00 5546171 Joe Snow 842 East Stratford Salt Lake City UT 84106 48.90 $20,500.00 2 $149,500.00 Avenue 5546197 Wilson Ortiz 1247 Conty Route RT6 Germantown NY 12526 47.88 $31,700.00 2 $112,828.00 5546254 Paul Henderson 2552 DALY DRIVE BIRMINGHAM AL 35235 40.88 $23,200.00 2 $86,000.00 5546296 Darrel Grover 1527 10th Street Marysville WA 98270 44.46 $61,500.00 2 $99,000.00 5546304 Bradley Couvillion 34898 St. Regis Court Denham Springs LA 70726 39.50 $27,000.00 2 $104,076.00 5546312 Alfred Hubley 103 Linden Avenue Red Lion PA 17356 41.87 $37,100.00 2 $106,284.00 5546338 Ronald Killion 8515 Sebastian Drive NE Lacey WA 98516 47.29 $58,400.00 2 $180,406.00 5546346 William Knight 104 Balentree Drive Chelsea AL 35043 48.50 $30,000.00 2 $117,000.00 5546353 Terrence Adams 141 Meadow Lily Court Mooresville NC 28115 36.17 $40,000.00 2 $103,440.00 5546460 David Cunningham 1026 SW Webster Topeka KS 66604 31.76 $58,200.00 2 $46,000.00 5546478 Russell Krauskopf 436 Lancers Drive Winter Springs FL 32708 48.78 $39,000.00 2 $93,660.00 5546502 James Zellner 1982 Windsor Road Mansfield OH 44905 28.98 $34,200.00 2 $79,719.00 5546510 James Jones 912 Musick Avenue Modesto CA 95351 50.18 $85,000.00 2 $101,129.00 5546569 Deborah Dembek 3255 Maine Avenue Long Beach CA 90806 49.93 $57,000.00 2 $144,104.00 5546650 Carol Enos 2637 Faust Court San Jose CA 95121 28.33 $48,700.00 2 $126,500.00 5546726 Alfred Variz 307 Tuve Circle Orland CA 95963 49.69 $67,500.00 2 $90,293.00 5546759 Rickie Richards 15212 North 29th Avenue Phoenix AZ 85027 29.73 $21,000.00 2 $88,000.00 5546809 Marvin McCullough 725 Beth Lane Ridgecrest CA 93555 19.94 $37,000.00 2 $58,500.00 5546817 Victor Keesey 3582 Sunflower Court Rosamond CA 93560 36.00 $39,000.00 2 $93,837.00 5546825 Glen Hildebrant 10225 Kerrigan Street Santee CA 92071 38.23 $22,000.00 2 $141,864.00 5546890 Ronnie Carlin 99 McElderry Road Munford AL 36268 38.41 $31,500.00 2 $48,720.00 5546916 Mary Dolmatoff 4545 Grand Avenue Montclair CA 91763 49.90 $33,000.00 2 $171,872.00 5546932 Armando Capili 2108 North Kenwood Burbank CA 91505 45.74 $84,800.00 2 $173,678.00 street 5546957 David Sobers 5928 Westridge Drive Baton Rouge LA 70817 43.20 $54,000.00 2 $101,000.00 5546973 Robert Wisner 1210 East Boom Avenue Orange CA 92865 48.29 $55,800.00 2 $222,799.00 5546999 Myrna Villegas 36834 James Place Palmdale CA 93550 45.04 $42,300.00 2 $98,738.00 5547013 Robert Buchanan 1128 Sutherlin Court Mobile AL 36609 49.66 $80,000.00 2 $237,247.00 North 5547054 Leon Leonard 1147 Vesper Lane Fayetteville NC 28311 45.65 $30,000.00 2 $74,339.00 5547062 Rodney Everson 3220 Strawberry Place Tracy CA 95376 44.19 $125,000.00 2 $179,334.88 5547088 Vincent Van Lieu 96 Cambridge Place Catasauqua PA 18032 38.42 $37,200.00 2 $83,484.00 5547096 Wayne Richardson 5766 Randleman Street Fayetteville NC 28304 36.80 $16,800.00 2 $63,870.00 5547138 William Wiggins 5977 Swallowfork Avenue Callahan FL 32011 36.63 $35,000.00 2 $65,000.00 5547161 Don Ozment 5872 Pinedale Road Pinedale AZ 85934 38.95 $60,000.00 2 $145,000.00 5547187 Gregory Bethune 227 East Clinton Avenue Roosevelt NY 11575 49.95 $50,000.00 2 $149,152.00 5547286 Duane Ibarra 2753 Kalialani Circle Makawao HI 96768 44.76 $27,800.00 2 $232,264.00 5547336 Evelyn Bombon 1405 Falconcrest Drive Corona CA 92883 46.30 $32,000.00 2 $174,000.00 5547369 Michael Norris 5093 Pine Hill Drive Noblesville IN 46060 36.52 $23,000.00 2 $103,749.00 5547385 Francisco Gonzalez 1135 Southampton Drive Port Orange FL 32119 37.68 $27,400.00 2 $75,794.00 5547419 Philip Fournier 43610 Ortona Street Temecula CA 92592 50.19 $39,100.00 2 $221,625.00 5547450 Stephen Hughes 8430 Ahrentzen Court Citrus Heights CA 95610 38.68 $68,000.00 2 $99,833.00 5547468 Morris Davis 3981 Welland Avenue Los Angeles CA 90008 49.47 $57,800.00 2 $180,000.00 5547492 John McCormack 4482 Bartel Drive Riverside CA 92503 35.75 $48,900.00 2 $97,849.00 5547500 Roosevelt McLemore 2220 Travis Road Augusta GA 30906 40.84 $29,000.00 2 $79,866.00 5547575 Aurora Paiva 26063 Serrano Court Lake Forest CA 92630 36.13 $32,500.00 2 $98,131.00 5547633 Frank Collica 11320 Groveland Avenue Whittier CA 90604 41.51 $50,000.00 2 $202,400.00 5547666 John Mijares 11955 Ratner Street N Hollywood CA 91605 44.05 $75,000.00 2 $129,392.00 5547682 Edward Leger 390 Brown Road Florien LA 71429 23.15 $35,000.00 2 $29,617.00 5547708 Randell Oglevee 15917 42nd Avenue East Tacoma WA 98446 34.58 $20,000.00 2 $122,386.00 5547773 Michael Savee 3141 Cloudview Drive Sacramento CA 95833 38.30 $15,700.00 2 $145,860.00 5547807 Scott Stoughton 122 River Road Saranac NY 12981 30.94 $32,000.00 2 $80,448.00 5547849 Robin Puzio 522 Casa Drive Brigantine NJ 08203 46.06 $45,000.00 2 $66,289.00 5547922 James Blade 7060 Eastbrook Drive Spring Hill FL 34606 46.75 $81,000.00 2 $33,500.00 5547930 Scott Bell 250 S Reynolds ST 1402 Alexandria VA 22304 39.79 $30,600.00 2 $57,306.00 5548011 Kristine Tavares 35 Pine Island Road N. Dartmouth MA 02747 39.71 $55,670.00 2 $135,259.00 5548037 Michael Albert Rr1 Box 8315 Litchfield ME 04350 49.12 $58,200.00 2 $88,715.00 5548086 Charlie Murphy Jr 3166 North Palmer Milwaukee WI 53212 34.99 $63,500.00 1 $0.00 Street 5548185 Hollie Koyukuk 5 Olson Drive Ruby AK 99768 33.87 $52,500.00 2 $55,926.00 5548193 David Kelly 12049 MAPLE LEAF LANE FONTANA CA 92337 35.98 $40,000.00 2 $125,400.00 5548201 Barry Lyon 1151 Duck Blind Circle Newman CA 95360 27.23 $30,000.00 2 $131,557.00 5548227 Roger Alfaro 25841 Paseo Pacifico Moreno Valley CA 92553 41.92 $65,000.00 2 $79,000.00 5548292 Brian Partlow 179 Woodbury Road City Of VT 5401 42.98 $33,000.00 2 $113,106.00 Burlingotn 5548300 John Mori 12263 West Derby Lane Orland Park IL 60462 48.29 $65,000.00 2 $165,700.00 5548334 Duane Parks 8401 Sleepy Way El Cajon CA 92021 40.97 $40,000.00 2 $150,000.00 5548375 Jimmy Simmons 305 East Smith Avenue Geneva AL 36340 24.79 $21,200.00 2 $23,192.00 5548391 Lawrence Gerber 65 North Kelley Lane Alpine WY 83128 39.77 $62,500.00 2 $151,369.00 5548425 James Leet 6390 South Pebble Chandler AZ 85249 40.98 $38,000.00 2 $105,589.00 Beach Dr. 5548441 Thomas Roxby 1060 20th Avenue Naples FL 34120 49.90 $55,000.00 2 $90,216.00 Northeast 5548466 Walter Imai 22 West Mariposa Altadena CA 91001 44.05 $27,000.00 2 $109,375.00 Street 5548490 Roderick Harrington 412 B Skyview Drive Birmingham AL 35209 49.88 $56,000.00 2 $29,741.00 5548516 Philip Losey 67700 OntinaRoad Cathedral City CA 92234 30.16 $23,000.00 2 $109,150.00 5548540 Gerard Mollica 8 Jotham Road New Milford CT 06776 33.43 $15,000.00 2 $187,000.00 5548581 John Kirwan 88 Mountain Rd. Coxsackie NY 12051 37.38 $40,000.00 2 $84,751.10 5548599 Gordon Scott 1201 West 112th AV Westminster CO 80234 37.55 $33,000.00 2 $75,000.00 Unit B 5548607 Benjamin Hall 217 West Private Road Logansport IN 46947 42.56 $84,000.00 2 $40,947.00 75N 5548615 Robert Karcher 18 Judge Lane Bethlehem CT 6751 43.95 $27,800.00 2 $126,105.00 5548649 Carla Booker 1015 New Britain Drive Atlanta GA 30331 40.84 $75,000.00 2 $206,386.00 5548664 Dave Farr 541 East 500 North Provo UT 84606 38.21 $40,000.00 2 $94,585.00 #22 5548680 James Brosnan 2307 Bedford Lane Colorado CO 80909 42.40 $30,000.00 2 $150,025.00 Springs 5548698 Martin Bleier 77 Donna Marie Circle Rochester NY 14606 41.23 $16,000.00 2 $83,043.00 5548771 Joesph Gill 9325 8th Street Rancho CA 91730 49.64 $56,200.00 2 $177,165.00 Cucamonga 5548789 PATRICK ROGERS 60 Townsend Avenue Newburgh NY 12550 35.13 $30,000.00 2 $45,000.00 5548797 Terri Gits 8849 BLACK MOUNTAIN DR Conifer CO 80433 48.68 $62,500.00 2 $131,000.00 5548813 Joseph Carzello 3 Westerly Drive Enfield CT 06082 47.13 $42,500.00 2 $111,493.00 5548821 Deborah Hauser 737 Sunseeker Drive Wilmington NC 28405 44.22 $15,000.00 2 $96,000.00 5548839 David Morton 324 Randall Drive Folsom CA 95630 43.31 $150,000.00 2 $189,289.00 5548896 Jayna Cartee 786 Wesleyan Bay #24 Costa Mesa CA 92626 46.84 $30,000.00 2 $153,480.00 5548904 Dahlia Allen 1591 Dehaven Court Lawrenceville GA 30043 46.31 $15,000.00 2 $113,000.00 5548920 Ana Lila Jimenez 292 Sunny Hills Drive Watsonville CA 95076 42.18 $41,600.00 2 $132,900.00 5548946 Michael Cohen 1715 Lauterbach Road Finksburg MD 21048 46.40 $76,000.00 2 $143,654.00 5548961 Don Burchett 139 Windy Hills Road Commerce GA 30529 49.88 $97,400.00 2 $141,049.00 5548979 Walter Jones 218 Bryan Street Talladega AL 35160 45.78 $21,000.00 2 $101,650.00 5549043 Sherani Ratnam 2240 Via Escuela Palm Springs CA 92262 44.14 $66,600.00 2 $89,486.00 5549225 Richard Doyle 14208 Summit Drive Sterling CO 80751 41.96 $62,000.00 2 $199,134.00 5549282 Leroy Mendez 24730 Tioga Road Hayward CA 94544 46.82 $34,000.00 2 $144,921.00 5549290 Stephen Hinton 1316 26TH AVENUE HUEYTOWN AL 35023 25.98 $15,000.00 2 $49,052.00 5549324 David Snider 671 Forest Shade Drive Crestline CA 92325 34.00 $20,000.00 2 $99,000.00 5549332 Mark Bohart 1610 Holly Drive Manitowoc WI 54220 35.41 $25,400.00 2 $62,333.00 5549365 Jeanette Soto 9253 Key West Street Temple City CA 91780 39.79 $71,000.00 2 $223,000.00 5549373 Richard Rodriguez 6118 Gordon Rd. Wilmington NC 28405 41.66 $33,500.00 2 $67,101.00 5549407 Barry Cross 2614 North Mason Avenue Tacoma WA 98407 28.85 $34,000.00 2 $138,471.00 5549415 David Huskey 16623 Hemmingway Drive Fort FL 33326 31.03 $31,300.00 2 $73,000.00 Lauderdale 5549431 Billy Crossno 48 Owens Drive Florence CO 81226 36.43 $35,000.00 2 $58,000.00 5549472 David Himes 43139 Corte Calanda Temecula CA 92592 49.68 $83,600.00 2 $154,729.00 5549498 Brian Klein 2412 15th Street Two Rivers WI 54241 32.46 $35,000.00 2 $60,793.00 5549514 Teresa Profitt 7351 Stonebrook Place Rancho CA 91730 44.00 $26,700.00 2 $139,740.00 Cucamonga 5549522 William Allen 212 Brubaker Drive South Point OH 45680 46.90 $17,500.00 2 $52,396.00 5549530 Timothy Sullivan 6756 Pheasant Lane Agoura Hills CA 91377 40.80 $30,000.00 2 $260,414.00 5549548 Christian Hansen 3512 Twin Falls Court Modesto CA 95355 36.61 $30,500.00 2 $137,335.00 5549555 Glen Griffith 22987 Sunrose Street Corona CA 92883 41.92 $48,500.00 2 $175,279.00 5549688 Anthony Warner 111 Bean Creek Road Scotts Valley CA 95066 47.18 $68,000.00 2 $235,000.00 #170 5549720 Andrea Shirk 62 Nancy Lane Downingtown PA 19335 39.72 $57,000.00 2 $52,950.00 5549738 Israel Herrera 9876-2 Arrow Route Rancho CA 91730 41.12 $30,000.00 2 $106,365.00 Cucamonga 5549761 John Beres 2625 North Lincoln Burbank CA 91504 48.88 $105,000.00 2 $134,217.00 Street #G 5549787 Michael Lenear-Liston 9007 PASSONS BOULEVARD DOWNEY CA 90240 44.39 $76,500.00 2 $200,244.00 5549829 Pedro Melendez 1403 Banyan Way Weston FL 33327 47.03 $35,000.00 2 $166,209.00 5549860 Michael Giaimo 25256 Steinbeck Avenue Stevenson CA 91381 40.85 $15,000.00 2 $141,236.00 #F Ranch 5549878 Todd Pleadwell 6108 Evergreen Way Ferndale WA 98248 35.06 $27,000.00 2 $177,552.50 5549902 Kenneth Sweet 41 LANE AVENUE PORTLAND ME 04103 46.79 $65,800.00 2 $89,291.00 5549936 Nelson Millner 1113 14th St NW Roanoke VA 24017 27.61 $20,500.00 2 $23,318.00 5549985 Clara Jimenez 421 South Vancouver Los Angeles CA 90022 46.58 $30,500.00 2 $146,670.00 Avenue 5550017 Gregg Ball 383 Chestnut Street Hyde Park PA 15641 26.93 $35,500.00 2 $68,000.00 5550033 Taris Maclin 5714 Blackley Lane Eagle Creek IN 46254 26.09 $40,000.00 2 $110,000.00 5550090 Erlinda Moises 411 Blanco Street American CA 94589 46.07 $65,000.00 2 $119,805.00 Canyon 5550173 Alfred Gasser 3603 Delilah Streeet Simi Valley CA 93063 48.45 $45,000.00 2 $195,020.00 5550199 Charles Reeves 5755 Happy Pines Drive Foresthill CA 95631 37.54 $16,000.00 2 $129,810.00 5550207 Arturo Gomez 11724 Declaration Rancho CA 91730 47.14 $78,000.00 2 $235,000.00 Drive Cucamonga 5550249 Alexander Bradley 11314 South Locust Jenks OK 74037 43.97 $43,700.00 2 $112,118.00 Avenue 5550264 Theodore King 2900 21st North Street Ocean Springs MS 39564 49.87 $37,200.00 2 $61,426.00 5550348 Samuel Watson 601 E. Burgess Unit Pensacola FL 32504 44.71 $35,000.00 2 $70,877.00 I-6 5550371 Marsha Lloyd 625 West 124th Street Los Angeles CA 90044 49.09 $61,300.00 2 $134,709.00 5550413 Michael Evans 1501 Dickens Place Upper Marlboro MD 20774 45.50 $63,200.00 2 $190,941.00 5550439 Clifford Schinkel 30145 Cater Road Scappoose OR 97056 28.45 $65,200.00 2 $167,836.00 5550447 Kirt Elkins 6081 Pumpkin Patch Las Vegas NV 89122 33.11 $16,500.00 2 $109,426.00 Avenue 5550520 W. Perry 6548 Barton Avenue Los Angeles CA 90038 46.92 $69,000.00 2 $108,377.00 5550553 Douglas Padley 1100 Newport Avenue 402 Long Beach CA 90804 37.71 $33,700.00 2 $99,189.00 5550561 Gordon Starr 8654 Spring Valley Boynton Beach FL 33437 41.21 $43,000.00 2 $106,800.00 Drive 5550587 Nathan De Graw 4426 North Bronson San Bernardino CA 92407 44.64 $45,000.00 2 $104,858.00 Street 5550595 Daniel Speaks 525 Clayton Street Shelbyville IN 46176 33.10 $28,000.00 2 $44,400.00 5550611 Stephen Frushon 925 Maiden Choice Lane Baltimore MD 21229 34.53 $15,000.00 2 $70,978.00 5550629 Darwin Singson 2542 Pemberton Court Stockton CA 95210 18.64 $30,000.00 2 $71,618.00 5550637 William Cole 956 West Allen Street Hendersonville NC 28739 32.47 $25,000.00 2 $62,897.00 5550645 Jennifer Tough 629 Quail Drive Los Angeles CA 90065 46.14 $28,600.00 2 $141,253.00 5550652 Gary McCorkle 8065 Drexel Court Lemon Grove CA 91945 36.32 $51,100.00 2 $124,884.00 5550660 Thom Thompson 8345 Wild Alfalfa Parker CO 80134 46.61 $70,000.00 2 $104,000.00 5550686 David Hicks 1932 Stonewood Circle Corona CA 91719 48.17 $91,000.00 2 $144,051.00 5550694 Anissia Porter 11066 Mars Lane Maryland MO 63043 35.02 $18,000.00 2 $81,400.00 Heights 5550728 John Kinney 207 N. Althea elmwood IL 61529 21.47 $32,500.00 2 $87,829.00 5550769 RUSSELL MCCLAIN 3913 DALHOUISE LANE Decatur GA 30034 29.55 $48,000.00 2 $89,401.00 5550777 Ronald Hyche 834 County Road 71 Thorsby AL 35171 35.32 $40,000.00 2 $109,996.00 5550785 William Porter 1524 Goodman Avenue Redondo Beach CA 90278 44.40 $43,000.00 2 $314,508.00 5550835 Gregory Bell 8458 Sopwith Boulevard Reno NV 89506 43.65 $15,800.00 2 $113,802.00 5550850 Vicente Montero 863 Glenshaw Drive La Puente Area CA 91744 43.70 $62,500.00 2 $131,000.00 5550868 Tony Lassos 6958 Laguna Place #A Rancho CA 91701 39.82 $24,000.00 2 $101,000.00 Cucamonga 5550876 Vito Dell'Era 4618 Mossburg Court Marietta GA 30066 31.47 $85,000.00 2 $57,435.00 5550884 Timothy Daniel 303 Wilson Street DeWitt MI 48820 34.92 $36,000.00 2 $76,145.00 5550892 Regimond Apanah 7618 Eagle Trace Cove Fort Wayne IN 46825 49.30 $44,000.00 2 $90,000.00 5551031 Rick Rollenhagen 114 Oak Park Drive Forest MS 39074 28.84 $54,500.00 2 $201,000.00 5551049 Joseph Barela 35133 Hollow Creek Yucaipa CA 92399 44.98 $60,000.00 2 $138,875.00 Drive 5551098 Matthew Wright 4253 Los Coyotes Lakewood CA 90713 34.90 $70,000.00 2 $147,000.00 Diagonal 5551122 Ryan Wark 45316 Corte Progreso Temecula CA 92592 48.61 $36,000.00 2 $149,909.00 5551254 David Weekes 99 Parum Road Colchester CT 06415 42.67 $49,000.00 2 $96,000.00 5551262 David Jantz 2910 Cheyenne Drive Woodward OK 73801 27.01 $20,000.00 2 $51,615.00 5551270 Michele Stefanelli 660 Shiloh Terrace Davie FL 33325 46.99 $50,400.00 2 $100,000.00 5551320 John Veguilla, Jr 1327 Gold Way Rohnert Park CA 94928 41.67 $61,000.00 2 $107,562.00 5551338 Diana Jacobs 28828 Latimer Street Highland CA 92346 36.87 $56,600.00 2 $144,965.00 5551353 Dana Davis 3632 Ladoga Avenue Long Beach CA 90808 28.88 $38,000.00 2 $250,800.00 5551379 Patrick Nishioka 24825 Calli El Toro Lake Forest CA 92630 40.05 $53,800.00 2 $230,000.00 Grande 5551411 Paul Norton 11003 South West Cove Vashon WA 98070 43.31 $40,100.00 2 $74,000.00 Road 5551437 Jimmy Chilcoat 411 County Road 55 Double Springs AL 35553 49.86 $57,350.00 2 $90,638.00 5551494 William DeBaugh 12403 Old Country Road Wellington FL 33414 44.77 $26,000.00 2 $138,672.00 5551510 Steven Cushing 3315 143rd Street West Rosemount MN 55068 26.28 $39,000.00 2 $128,200.00 5551544 Roger Frost 21416 Manon Way Lexington Park MD 20653 40.71 $45,900.00 2 $69,237.00 5551585 Benjamin Besel 3675 Clague Road 310 N Olmsted OH 44070 37.16 $23,800.00 2 $53,884.00 5551627 Hera Davis-Belsky 6815 Hibiscu Court Sparks NV 89436 35.79 $40,000.00 2 $145,102.00 5551668 John Webb 27 Cromwell Court Lakehurst NJ 8733 26.35 $49,700.00 2 $133,963.00 5551676 Gary Mercer 5436 Bracken Drive Indianapolis IN 46239 37.26 $37,500.00 2 $134,858.00 5551726 Kimberly Christiansen 1966 Carolyn Drive Pleasant Hill CA 94523 43.09 $109,000.00 2 $149,475.00 5551767 David Larson 5276 Rosewood Drive Oceanside CA 92056 48.91 $69,000.00 2 $123,389.00 5551783 Darren McCray 744 Chula Vista Way Suisun City CA 94585 49.18 $56,500.00 2 $188,500.00 5551791 Rodney Bell 7615 Dividend Drive Baton Rouge LA 70817 39.43 $28,500.00 2 $80,750.00 5551817 Michael Carlson 108 Ozmar Lane Crescent OR 97733 51.32 $44,800.00 2 $80,854.00 5551858 Alex Penny 20211 Gratland Drive Santa Clarita CA 91351 44.99 $45,300.00 2 $191,729.00 5551882 Warren Williams 1523 W River Shore WY Tampa FL 33603 30.61 $27,000.00 2 $71,725.00 5551908 Laura Hunsaker 2981 Gilham Road Eugene OR 97401 45.58 $43,700.00 2 $135,000.00 5551940 Karen Tailby 13890 Brudy Drive Fishers IN 46038 49.36 $30,000.00 2 $128,094.00 5552039 Charles Allen 19345 South West Aloha OR 97007 36.45 $65,000.00 2 $143,175.00 Blanton Avenue 5552047 Paul Reyes 745 East Bradley El Cajon CA 92021 40.41 $36,000.00 2 $51,570.00 Avenue #242 5552054 Donald Bailey 44 Prides Crossing Shenandoah WV 25442 32.75 $30,000.00 2 $143,669.00 Junction 5552062 Kim Chapman 1711 104th Avenue Oakland CA 94603 35.44 $62,400.00 2 $118,528.00 5552088 Richard Jellison 1 Rural Route Box 358A Perham MN 56573 46.60 $60,000.00 2 $141,981.00 5552104 Tyrone Knight 410 Empoli Drive Bear DE 19701 31.14 $37,500.00 2 $150,623.00 5552161 Calvin MILLER 1132 BELSPRING DRIVE VIRGINIA BEACH VA 23464 32.66 $21,500.00 2 $99,601.00 5552179 Robert Cartwright 1321 West 3 Mile Road Sault Sainte MI 49783 41.10 $64,600.00 2 $78,000.00 Marie 5552229 Terry Arbogast 1305 Franklin Pike Floyd VA 24091 43.23 $85,000.00 2 $135,554.00 5552237 Nancy Horvath 691 S Marengo Ave Unit Pasadena CA 91106 41.73 $44,200.00 2 $153,565.00 3 5552245 Melissa Starbuck 226 North Clinton 224 Chicago IL 60661 45.66 $38,000.00 2 $189,685.00 5552252 Melvin Allen 132 Deer Ford Drive Lancaster PA 17601 31.34 $125,000.00 2 $240,000.00 5552286 John Robinson 11748 TERRA BELLA Lake View CA 91342 32.11 $85,000.00 2 $107,159.00 Terrace 5552302 Jason Carroll 3741 Highway 370 Ripley MS 38663 28.98 $19,700.00 2 $20,225.00 5552328 John Beaver 10 Fern Avenue Willow Grove PA 19090 44.69 $21,500.00 2 $134,269.00 5552336 Dennis Ferkins 550 Pinion Street Sunnyside UT 84539 45.44 $28,000.00 2 $79,000.00 5552351 Sara Bliss 601 Superior Street Titusville PA 16354 31.78 $41,200.00 2 $39,880.00 5552401 Stephen Reinhard 6074 Verbena Ln San Bernardino CA 92407 38.54 $73,000.00 2 $76,477.00 5552484 Juan Rodriguez 5802 Sulla Court Clinton MD 20735 47.17 $39,400.00 2 $123,168.00 5552534 Alan Breckenridge 670 Chadbourne Ct Harleysville PA 19438 53.70 $26,200.00 2 $137,000.00 5552591 Michael Bartley 1021 Rue Verand Slidell LA 70458 46.15 $70,700.00 2 $81,742.00 5552633 Daniel Larson 12611 Touchton Drive Tampa FL 33617 28.45 $23,200.00 2 $30,439.00 115 5552641 Karl Leinheiser 23 Nelson St Colonial Beach VA 22443 22.92 $21,500.00 2 $63,471.00 5552690 Michael Tippery 37 Carson Court Ely NV 89301 45.80 $61,600.00 2 $69,511.00 5552708 Richard Carr 16922 Pacific Coast Huntington CA 92649 48.21 $33,500.00 2 $83,872.00 Hwy. 201 Beach 5552740 Julian Irby 3520 Briarcliff Drive Pensacola FL 32505 40.66 $70,000.00 2 $115,818.00 5552773 Heather Albertson 1380 Leafdale Road Hodgenville KY 42748 27.95 $15,000.00 2 $55,011.00 5552799 John Bolton Jr. 4667 Valley Forge Drive Riverside CA 92509 28.93 $49,100.00 2 $138,842.00 5552823 Michael Swanson 11713 Judy Avenue Bakersfield CA 93312 25.56 $83,200.00 2 $109,981.00 5552849 William Wallace 848 Earl Lane Pea Ridge AR 72751 39.59 $112,000.00 2 $46,970.00 5552856 Jon Mehus 207 6th Street Finley ND 58230 41.23 $20,000.00 2 $41,300.00 5552906 Danilo Buen 4012 Somers Avenue Los Angeles CA 90065 48.93 $65,000.00 2 $121,550.00 5552914 Gary Tompkins 21989 L Drive South Homer MI 49245 49.20 $40,000.00 2 $88,500.00 5552922 Michael Macgillivray 6856 Martin View Drive Rockford MI 49341 46.54 $33,700.00 2 $172,826.00 5552930 Frederick Leopold 167 County Rd 550 Marquette MI 49855 49.76 $41,000.00 2 $154,850.00 5553029 Robert Halleman 2290 G Street Springfield OR 97477 36.20 $36,000.00 2 $80,062.00 5553045 Duane Mylerberg 34792 NATCHEZ TRAIL Julian CA 92036 51.20 $48,000.00 2 $117,000.00 5553086 Michael Ward 10921 Caminito Arcada San Diego CA 92131 46.20 $61,400.00 2 $183,445.00 5553128 Carl Underwood Jr 197 Lilburn Dr Youngstown OH 44505 19.25 $21,000.00 2 $45,290.00 5553136 Jerry Bailey 511 West Penn Road Lehigh Acres FL 33936 36.35 $31,500.00 2 $50,076.00 5553144 Billie Kendrick 1203 Sandfort Road Phenix City AL 36867 49.26 $35,400.00 2 $47,459.00 5553151 Mark Vance 12519 Eagles Claw Lane Jacksonville FL 32225 36.38 $27,000.00 2 $100,290.00 5553177 Laurence Kincaid 6731 County Line Road Williamsfield OH 44093 33.25 $37,900.00 2 $38,176.00 5553193 George Handley 195 Wayne Drive Tuscumbia AL 35674 34.54 $46,000.00 2 $209,798.00 5553219 David Shook 6501 Worsham Court Frederick MD 21702 46.65 $40,200.00 2 $156,000.00 5553235 Emmanuel Collins 1918 West 108th Street Los Angeles CA 90047 29.14 $16,500.00 2 $143,500.00 5553284 Jim Flores 22210 Marbella Avenue Carson CA 90745 34.96 $40,000.00 2 $179,062.00 5553300 Bryant Roland 10026 Crystal Lake Glen Allen VA 23060 38.20 $30,000.00 2 $136,000.00 Avenue 5553326 Katrina Baumgartner 25480 Country Road 9 Pleasant View CO 81331 48.18 $65,200.00 2 $88,000.00 5553359 William Gaither 3184 Harvard Street Woodbridge VA 22192 33.27 $35,000.00 2 $103,315.00 5553391 Michael Rainey 806 Boucher Dexter MO 63841 20.84 $15,300.00 2 $40,344.00 5553441 Kashif Ali 2167 Madeira Drive Weston FL 33327 41.56 $43,700.00 2 $80,048.00 5553458 Earnest Madrid 7217 Sonoma Avenue Alta Loma CA 91701 49.57 $50,000.00 2 $131,574.00 5553490 Elvin Hensley 2905 Alba Drive Laughlin NV 89029 43.99 $54,500.00 2 $149,500.00 5553516 Michael Araujo 23314 Sesame Street #K Torrance CA 90502 37.69 $36,000.00 2 $44,000.00 5553524 Lawrence Lucatorto 136 Windsor Road Yardley PA 19067 49.94 $50,000.00 2 $238,000.00 5553540 William Bailey 1348 Little Mc Call Guyton GA 31312 48.85 $58,000.00 2 $195,000.00 Road 5553565 Charles Goodson 178 Via Lampara Rancho Santa CA 92688 46.88 $74,000.00 2 $155,197.00 Margarita 5553581 Keith Krodel 8230 Strasburg Road Pensacola FL 32514 39.88 $40,000.00 2 $72,000.00 5553607 Jack Ward 8711 Chester Street Paramount CA 90723 43.38 $53,500.00 2 $138,750.00 5553649 Richard Lobach,Jr. 47 Ludlow Road Windsor CT 6095 28.62 $28,000.00 2 $111,267.00 5553714 Aaron Heimke 5516 Banwell Place Raleigh NC 27613 38.14 $48,500.00 2 $164,000.00 5553755 Fred Gonzales 731 Dry Creek Drive Chula Vista CA 91914 37.99 $85,000.00 2 $272,015.00 5593322 Wilburn Mcglamory 308 Cedar Avenue Blakely GA 31723 37.45 $31,500.00 2 $46,144.00 5593330 Sara LeFevre 833 Dreer Lane Bryn Mawr PA 19010 44.65 $45,000.00 2 $118,125.00 5593405 Michael Holland 530 46th Street South Avondale AL 35222 49.17 $46,000.00 2 $62,469.00 5593496 Barry Howerton 5291 Christie South Kentwood MI 49508 28.24 $44,000.00 2 $111,932.00 East 5593694 Mary Ferrell RR1 Box 194A Fayetteville WV 25840 42.81 $66,000.00 2 $79,538.00 5593801 Jerry Schatz 2 Palm St Lindenhurst NY 11757 48.14 $83,500.00 2 $153,206.00 5593819 Michael Wright 1361 Texas Valley Road Rome GA 30165 46.10 $45,000.00 2 $80,000.00 5593983 Robert Morris 13225 Copper Cove Way Herndon VA 20171 35.83 $37,300.00 2 $178,150.00 5594015 Lisa Thornburg 1105 S. N Street Port Angeles WA 98362 48.96 $61,600.00 2 $80,400.00 5594023 Daniel Morton 16078 SW Milan Lane Tigard OR 97223 31.98 $64,000.00 2 $179,146.00 5594031 Markus Leitl 17783 149th Street Monroe WA 98272 40.98 $38,300.00 2 $114,071.00 Southeast 5594049 Yuchih Liou 13975 Lemoli Avenue Hawthorne CA 90250 47.03 $142,000.00 2 $142,000.00 5594197 William Johnson N4003 County Road 601 Republic MI 49879 47.93 $150,000.00 1 $0.00 5594205 Michael Lee 1960 S W 24th Circle Boynton Beach FL 33426 47.13 $20,900.00 2 $56,900.00 5594213 James Shearer 5841 Hemlock Street Sacramento CA 95841 47.95 $40,000.00 2 $98,682.00 5594239 Macheta Grays-Crystal 10335 Millport Drive Tampa FL 33626 49.89 $85,000.00 2 $160,000.00 5594270 Kenneth Ahmed 382 Broad Street Cumberland RI 2864 49.26 $51,000.00 2 $136,145.00 5594346 Roswell Beede 1237 White Birch Lane Virginia Beach VA 23456 33.27 $35,000.00 2 $64,000.00 5594353 Chris Maika 1687 South Washington Titusville FL 32780 47.36 $45,000.00 2 $44,000.00 Av. 5594452 David Nace 602 Courtney Drive Hickory NC 28603 43.69 $45,000.00 2 $80,000.00 5594486 Charles Real 43922 Sassari Street Temecula CA 92592 42.67 $50,000.00 2 $181,682.00 5594528 Susan Helmcke 3676 San Simeon Circle Weston FL 33331 50.92 $20,000.00 2 $109,962.00 5594569 Robert Mitchell 563 Moeller Road Picayune MS 39466 34.26 $28,900.00 2 $70,400.00 5594619 Martha Zavala 251 East Pacific Avenue La Habra CA 90631 48.22 $30,000.00 2 $102,500.00 5594684 George Schulz 2925 Quail Avenue Forest City IA 50436 29.70 $25,000.00 2 $65,000.00 5594726 Michael Beaven 5618 Maple Mission KS 66202 48.48 $45,000.00 2 $79,230.00 5594734 Timothy Trainor 434 West 223rd Street Carson CA 90745 39.27 $37,800.00 2 $85,567.00 #111 5594841 Hector Garcia 5744 California Trail Lake Charles LA 70605 34.47 $70,778.00 2 $70,623.00 5594858 Robert Adams 3741 Arvada Road Littlefield AZ 85360 34.75 $21,300.00 2 $78,070.00 5594874 Rodney Quick 913 Joshua Drive Virginia Beach VA 23462 39.81 $32,000.00 2 $78,090.00 5594916 Carlos Sandoval 12947 Dolan Avenue Downey CA 90242 48.31 $46,000.00 2 $156,499.00 5594932 Theresa Calvert 5630 Cornman Road Coolidge AZ 85228 49.44 $36,900.00 2 $90,256.00 5594965 Ronald Belland 2103 South West 5th Battle Ground WA 98604 46.85 $66,500.00 2 $135,137.00 Street 5594973 Fredrick Brooking 6567 Van Buren Bonners Ferry ID 83805 44.07 $24,700.00 2 $57,061.00 5594981 Marcus Adams 25981 East New Garden Athens AL 35611 46.88 $23,200.00 2 $84,761.00 Road 5595129 James Paille 1389 Pleasant Street Lapeer MI 48446 41.50 $50,000.00 2 $145,000.00 5595137 Robbie Mammo 28229 Relda Brownstown MI 48183 48.97 $30,000.00 2 $95,435.00 5595236 Daniel Maciborski 11623 Capitol Drive Riverside CA 92503 48.17 $54,000.00 2 $124,268.00 5595269 FILEU RIBEIRO 4006 Crescent Creek Coconut Creek FL 33073 47.30 $45,000.00 2 $137,000.00 Street 5595277 Paul Bowman 1961 Lockwood Lane Corona CA 91719 49.41 $41,800.00 2 $152,093.00 5595293 Richard Brown 800 Canary Court Lake Elsinore CA 92530 36.79 $52,000.00 2 $52,927.00 5595327 David Russert 155 Lenox Avenue New Milford NJ 7646 37.40 $78,900.00 2 $142,782.00 5595335 Kent Kurtak 2560 118th Avenue bellevue WA 98005 49.77 $22,900.00 2 $138,194.00 S.E. #202 5595376 Antonio Santisteban 3115 Patrick Henry Falls Church VA 22044 44.14 $28,000.00 2 $71,334.00 Drive #531 5595442 Jack Riggleman 32 North East 151 Miami FL 33162 47.25 $60,700.00 2 $107,668.00 Street 5595467 Joseph Cottrell 236 SE Whitney Street Camas WA 98607 44.80 $30,000.00 2 $107,954.00 5595509 Patricia McBarnette 2408 Henson Valley Way Fort MD 20744 37.68 $67,000.00 2 $165,000.00 Washington 5595517 Dara Vargas 2819 Elkport Street Lakewood CA 90712 36.03 $60,700.00 2 $144,755.00 5595525 Randolph Briffa 96 Bright Autumn Lane Rochester NY 14626 50.00 $115,000.00 2 $88,692.00 5595541 Michael Celani 27772 Pebble Beach Mission Viejo CA 92692 46.72 $125,000.00 2 $234,003.00 5595632 Timothy Murphy 1445 Calle Violeta Thousand Oaks CA 91360 42.41 $60,000.00 2 $160,599.00 5595681 Stephen Burns 7935 Wedgefield Dr. Indianapolis IN 46217 40.58 $68,000.00 2 $55,005.00 5595707 Avelino Aldana 180 North Manchester Orange CA 92868 49.43 $62,200.00 2 $190,699.00 Avenue 5595756 Alan Asef 1100 Cottonwood Road CharlottesvilleVA 22901 48.07 $32,000.00 2 $122,685.00 5595772 Robert Stevenson 14060 East Toot Lane Lewistown IL 61542 43.67 $58,000.00 2 $50,500.00 5595780 Teresa 1463 Cedar Street Santa Paula CA 93060 49.12 $60,000.00 2 $163,283.00 Gonzalez-Trujillo 5595830 David Garcia 575 Camino Los Gallos Perris CA 92571 43.68 $39,000.00 2 $106,168.00 5595871 James Jordan 204 East 38th Street Farmington NM 87401 30.95 $17,700.00 2 $97,854.00 5595889 Wichan Ritnimit 3237 Lincoln Avenue Altadena Area CA 91001 49.90 $42,500.00 2 $155,000.00 5595897 Taylor Pagliara 421 Yeoman Drive Springfield IL 62704 45.98 $106,100.00 2 $100,053.00 5595988 James Reed 7629 East 77th Court TULSA OK 74133 41.86 $29,200.00 2 $116,300.00 South 5595996 Julie Hatcher 4543 Putnam Street Marianna FL 32446 36.39 $61,700.00 2 $54,997.00 5596010 Joseph Osenga 8469 Redd Road Fort Jennings OH 45844 39.37 $54,300.00 2 $79,850.00 5596069 Rhonda Carrell 2406 West 14th Street Port Angeles WA 98362 48.34 $35,600.00 2 $110,144.00 5596077 Dennis Rimac 5 Calle San Luis Rey Rancho Santa CA 92688 52.89 $85,000.00 2 $206,000.00 Margarita 5596093 Karl Webster 20717 Southeast Gresham OR 97030 39.71 $85,000.00 2 $126,510.00 Burnside Ct. 5596135 Steven Wilson 101 Scaleybark Ct. West End NC 27376 40.50 $58,000.00 2 $115,586.00 5596143 Shawn Castle 237 Creek Road Bath PA 18014 29.53 $32,000.00 2 $136,933.00 5596184 Sean Ray 13138 Wheeler Avenue SYLMAR CA 91342 45.57 $74,000.00 2 $132,000.00 5596200 Thomas Yockel 1766 Kent Road Kent NY 14477 36.34 $71,500.00 2 $53,016.00 5596267 Douglas Pierovich 16355 McBee Road Dallas OR 97338 42.52 $50,000.00 2 $198,965.00 5596275 Hollis Morrissette 5925 Cabrena Drive Lansing MI 48917 49.75 $121,200.00 2 $176,251.00 5596291 David Rowe 1404 Fairbrooke Court Dacula GA 30019 36.91 $21,650.00 2 $144,438.00 5596390 Barnett Slatton 343 Bubble Creek Fayetteville NC 28311 30.26 $15,000.00 2 $82,452.00 Court #3 5596408 Salah Balboul 869 Mystic Harbor Drive Jacksonville FL 32225 48.59 $28,000.00 2 $128,426.00 5596424 James Thompson 54 S Helmer AV Dolgeville NY 13329 27.05 $22,700.00 2 $65,000.00 5596465 Delton Richardson 913 Kraner Lane Brookhaven MS 39601 42.20 $20,000.00 2 $82,526.00 5596499 Guillermo Perez 1912 Hillock Drive Raleigh NC 27612 27.40 $79,700.00 2 $183,614.00 5596515 Jay Ferguson 5934 Brittany Way Citrus Heights CA 95610 30.04 $23,000.00 2 $127,800.00 5596721 Nhuan Vu 212 North Newhope Santa Ana CA 92703 42.74 $74,000.00 2 $123,500.00 Street #E 5596739 James Hardy 1535 Seton Drive Wilmington DE 19809 48.16 $53,000.00 2 $103,622.00 5596754 Robert Weisenthal 616 South Sorrell Ridgecrest CA 93555 40.11 $82,200.00 2 $50,872.00 Street 5596770 Ronald Rennahan 27509 Hopi Springs Corona CA 92883 37.23 $43,100.00 2 $196,036.00 Court 5596788 Bernard Pistilli 621 Watkins Glen Drive Saint Charles MO 63304 48.00 $23,000.00 2 $110,477.00 5596804 David Marvel 1818 Orange Hill Drive Brandon FL 33510 47.48 $31,000.00 2 $114,000.00 5596960 George Hopkins 10101 MONTEVALLO COURT SACRAMENTO CA 95827 45.29 $75,000.00 2 $114,551.00 5596978 Kevin Rutherford 2925 South Wilson Road Radcliff KY 40160 47.04 $85,000.00 2 $187,675.00 5596986 William Ellis 608 Blanton Dr. Newport News VA 23609 35.62 $23,000.00 2 $87,579.00 5597034 Roberta Smith 1105 Park Terrace Plainfield NJ 7062 39.08 $70,000.00 2 $163,730.00 5597067 STEVEN HEWLETT 100 WISEL DRIVE Radcliff KY 40160 49.30 $45,000.00 2 $127,950.00 5597109 Joel Miller 5803 69th Avenue North Pinellas Park FL 33781 43.74 $45,400.00 2 $46,272.00 5597141 Michael Chadwick 180 Buds Way Sequim WA 98382 44.24 $15,000.00 2 $112,000.00 5597166 Reynaldo Abadilla 415 East Desford Street Carson CA 90745 44.67 $25,500.00 2 $139,064.00 5597224 William Lawson 3497 Penny Road Felicity OH 45120 33.68 $26,500.00 2 $70,341.00 5597232 Kris Nightingale 2013 Crystal Bullhead City AZ 86426 40.99 $67,000.00 2 $96,151.00 5597323 Mary Salas 130 Ward Court Vallejo CA 94589 44.43 $50,000.00 2 $119,163.00 5597331 David Joy 134 Park Road Westbrook ME 04092 39.28 $29,200.00 2 $105,948.00 5597349 LaRae Polk 11310 Norton Ave Kansas City MO 64137 41.37 $15,000.00 2 $55,109.00 5597356 David Bowles 6353 Pinnacle Boulevard Indianapolis IN 46237 24.40 $28,000.00 2 $98,000.00 5597406 Steven Johnson 617 First Avenue South Martin City MT 59926 42.74 $31,300.00 2 $60,303.00 5597448 Teri Connelly 3209 Camelot Drive Rocklin CA 95765 33.28 $59,000.00 2 $163,052.00 5597455 Vivian Chin 16028 Arcturus Avenue Gardena CA 90249 45.83 $25,000.00 2 $183,402.00 5597505 Jeffrey West 599 Teakwood Drive Raceland KY 41169 38.64 $41,000.00 2 $62,400.00 5597513 Gregory Reaser 807 Lake Ridge Place Fort Wayne IN 46819 47.97 $17,100.00 2 $96,249.00 5597620 Stephen Williams 8011 East Snapdragon Anaheim Hills CA 92808 35.55 $25,000.00 2 $174,852.00 Lane 5597646 Keith Taylor 6530 Orion Ave Van Nuys CA 91406 24.47 $25,000.00 2 $298,515.00 5597711 Cathy Bevans 740 Woodland Road Goldendale WA 98620 44.11 $26,400.00 2 $124,300.00 5597745 Virginia Baires 4923 Lurgan Place Richmond VA 23228 46.02 $31,400.00 2 $83,435.00 5597760 Jeff Spriggle 137 Rachel Road Kennewick WA 99338 31.56 $100,000.00 2 $208,300.00 5597802 Randy Dray 1455 Giles Street N.W. Palm Bay FL 32907 35.99 $26,000.00 2 $71,000.00 5597810 James Honea 3022 Red Mountine Fallbrook CA 92028 42.05 $80,000.00 2 $131,422.00 Hights Dr. 5597844 Sally Tindall 541 7th Avenue Rio Rancho NM 87124 45.35 $15,000.00 2 $96,000.00 5597869 Dennis Klatt HC64 BOX 198 LAKEVIEW OR 97630 32.57 $35,000.00 2 $58,000.00 5597885 Dorothy Lewis 114 North Joginell Satsuma AL 36572 27.78 $42,850.00 2 $69,625.00 Circle 5597919 Richard Harlock III 5 Park Walk Lancaster NY 14086 44.02 $41,500.00 2 $125,624.00 5597968 John Langendorf, Jr. 5084 Jeffreys Street Las Vegas NV 89119 39.66 $16,000.00 2 $80,014.00 #202 5597992 Russell Fraley 197 Chapel Lane Monaville WV 25636 39.94 $32,600.00 2 $55,030.00 5598040 Brian O'Connell 1143 Via Colinas Westlake CA 91362 44.05 $74,000.00 2 $235,700.00 Vill. Area 5598123 Harry Schwab 10802 Campaign Court Manassas VA 20109 48.69 $38,000.00 2 $135,492.00 5598149 Geoffrey Morganstern 1009 Diane Avenue Placentia CA 92870 39.19 $20,500.00 2 $232,750.00 5598164 Mark Higginbotham 91 Lakeview Drive Cleveland AL 35049 41.53 $28,800.00 2 $89,260.00 5598180 Kristiana Kim 11657 Porter Valley Northridge CA 91326 44.93 $60,000.00 2 $351,734.00 Drive 5598198 Curtis Slininger 462 Maine Road South Hampden ME 4444 44.80 $80,000.00 2 $90,000.00 5598222 Sylvester Prescod 11781 Painted Desert Jacksonville FL 32218 47.66 $86,100.00 2 $73,301.00 Way 5598289 Peter Ackerman 33810 Lake View Road Trinidad CO 81082 42.19 $55,000.00 2 $197,532.00 5598297 ONOFRE Quintana 12141 Centralia Ave Lakewood CA 90715 27.12 $28,000.00 2 $71,000.00 5598362 James Parmeter 9714 Regal Ridge Albuquerque NM 87111 45.64 $90,000.00 2 $142,000.00 Northeast 5598370 Frank Lombardo 853 North Greenlawn Camarillo CA 93010 39.44 $60,000.00 2 $123,044.00 Avenue 5598388 Daniel Zabor 2024 Westfield Drive Gurnee IL 60031 37.31 $35,400.00 2 $151,497.00 5598404 Gregory Park 333 Martin Ln Florence MT 59833 45.79 $68,300.00 2 $114,998.00 5598412 Edward Frederick 1432 West Delhaven W Covina CA 91791 41.37 $60,900.00 2 $188,738.00 Street 5598453 Russell DeLoach 124 Bluegrass Drive Alabaster AL 35007 31.99 $62,200.00 2 $62,488.00 5598487 John Regan 167 Auburn Street #1 Manchester NH 3103 40.86 $28,000.00 2 $81,836.00 5598495 Gustavo Gonzalez Jr. 240 Austin Way Upland CA 91786 29.94 $19,000.00 2 $136,220.00 5598628 Stewart Roberts 18215 North 59th Drive Glendale AZ 85308 31.88 $48,000.00 2 $146,417.00 5598644 Scott Wintrow 332 North Third Street Tipp City OH 45371 43.52 $22,400.00 2 $81,350.00 5598677 Brian Balogh 1095 Bennington Court Akron OH 44312 45.85 $37,700.00 2 $132,413.00 5598693 Sherry Hilliard 1505 Lark Lane Corona CA 91720 46.67 $25,000.00 2 $144,520.00 5598784 Elton Howard 1865 Hilton Avenue Yucca Valley CA 92284 49.54 $76,200.00 2 $84,528.00 5598792 Ricky Edwards 9287 Sand Point Whitmore Lake MI 48189 38.53 $61,500.00 2 $165,585.00 5598800 Keith Peachey 4460 Tower Road Dorset OH 44032 48.55 $109,100.00 2 $162,900.00 5598818 Jeffrey Marsh 1228 Andrea Court Ridgecrest CA 93555 42.00 $45,000.00 2 $106,345.00 5598834 Mark Harrison 3000 Scarborough Drive Lansing MI 48910 48.82 $16,600.00 2 $84,859.00 5598842 John Garner 14164 Hermosillo Way Poway CA 92064 50.08 $85,000.00 2 $268,000.00 5598867 Jared Parliament 3001 Thrush Drive #119 Melbourne FL 32935 31.36 $30,000.00 2 $26,037.00 5598875 Robert Coburn 12730 Grand Willow Dr. Grand Ledge MI 48837 32.14 $43,400.00 2 $145,103.00 5598891 Lola Egan 1355 Eiseman Street Moapa NV 89025 35.23 $22,600.00 2 $130,321.00 5598933 Robert Devine W 5015 Koris Cove Medford WI 54451 48.61 $91,250.00 2 $164,000.00 5598982 Lorraine Costanzo 24123 West Del Monte Valencia CA 91355 28.96 $45,600.00 2 $101,637.00 Dr. #95 5599014 Dion Robbins 705-225 Hagata Road Susanville CA 96130 47.99 $30,000.00 2 $119,298.00 5599063 Robin Perez 4032 Castaway Cove La Mirada CA 90638 39.11 $62,900.00 2 $270,231.00 5599097 Michael Stockfisch 7865 Alston Avenue Hesperia CA 92345 37.12 $56,200.00 2 $72,891.00 5599113 Ellis Lloyd 15150 Windover Court Lake Elsinore CA 92530 36.35 $25,500.00 2 $99,476.00 5599121 William Swan 1140 NE 342ND TRAIL Okeechobee FL 34972 46.30 $78,500.00 2 $102,500.00 5599162 Jennifer Harding 6614 Riverbirch Dr. Pewee Valley KY 40056 48.43 $62,000.00 2 $150,990.00 5599170 Virgil Harned 25449 Yolanda Avenue Moreno Valley CA 92551 24.09 $85,000.00 2 $33,200.00 5599220 William 2384 Upper Applegate Jacksonville OR 97530 49.98 $33,600.00 2 $206,343.00 Christofferson Road 5599238 Martha Manzi 227 Oak Street Indian Orchard MA 01151 42.42 $33,100.00 2 $106,475.00 5599261 Dwight Baker 913 East D Brunswick MD 21716 43.64 $56,100.00 2 $88,383.00 5599394 Nicolle Witt 3042 West White Oak Littleton CO 80126 48.87 $28,300.00 2 $200,000.00 Trail 5599410 Allen Lister 2353 North Flounder Lake Charles LA 70605 23.85 $44,000.00 2 $68,000.00 Drive 5599485 Yvonne Crescioni 4512 Workmans Mill Rd Whittier CA 90601 36.16 $33,000.00 2 $111,158.00 #G330 5599493 Ritchie Sturgeon 6314 Hartford DR Madison WI 53719 40.18 $125,000.00 2 $129,569.00 5599527 Jeffrey Scott 616 Ripplebrook Drive Culpeper VA 22701 38.52 $15,800.00 2 $78,269.00 5599550 Jeffrey Cayavec 1519 Kearney Street Niles OH 44446 46.37 $65,000.00 2 $66,639.00 5599576 Charles Stapleton 405 Wilgus Street Proctorville OH 45669 35.42 $50,400.00 2 $95,700.00 5599592 Robert Sathern 112 Villa Circle Drive Palatine IL 60067 49.36 $20,000.00 2 $136,800.00 5599600 Eugene 43110 11th Street East Lancaster CA 93535 46.85 $69,800.00 2 $104,691.00 Brzuszkiewicz, Jr 5599618 Brenda Blodgett 4063 Sallie Court Mobile AL 36609 37.99 $25,000.00 2 $72,878.00 5599691 Mitchell Springston 140 Dandelion Court Branson MO 65616 29.27 $15,000.00 2 $82,316.00 Jr 5599709 Theresa LeFleur 8325 Lake Forest Drive Sacramento CA 95826 44.67 $58,500.00 2 $141,630.00 5599725 Anastacio Munoz 9035 Daytona Ave Riverside CA 92503 41.02 $28,000.00 2 $113,539.00 5599741 Robert Bjornaas 58330 Navajo Trail Yucca Valley CA 92284 46.63 $37,800.00 2 $109,500.00 5599774 Curtis Crespino 923 PINEVIEW Olathe KS 66061 51.46 $56,000.00 2 $120,034.00 5599782 Patrick Zeman 4301 Holly Tree Road Wilmington NC 28412 37.40 $43,000.00 2 $70,711.00 5599790 Matthew Jordan 192 West Adams Street Marengo IA 52301 49.30 $36,900.00 2 $65,600.00 5599808 Richard Schwager 1799 Ring Neck Drive Rochester MI 48307 36.64 $43,300.00 2 $288,815.00 5599857 Wayne Reiner 12602 Springbrook San Diego CA 92128 36.36 $37,000.00 2 $149,532.00 Drive B 5599881 Claudiu Drugan 1731 Ellis Street #16 Concord CA 94520 37.91 $36,700.00 2 $85,000.00 5599907 MICHAEL BERNARDINI 12172 6TH STREET Yucaipa CA 92399 37.60 $36,700.00 2 $145,210.00 5599915 Glyn Scharf 3762 Archwood Road Cameron Park CA 95682 49.24 $71,000.00 2 $186,732.00 5599964 Herbert Green 3464 N W 49th Avenue Gainesville FL 32605 49.33 $45,000.00 2 $83,116.00 5599980 John Lample 6351 Rowanberry Drive Elkridge MD 21227 41.23 $20,000.00 2 $181,531.00 5599998 Pat Sellers 1817 State Highway 103 Slocomb AL 36375 49.09 $31,500.00 2 $89,317.00 5600010 Isiah Thornton 412 North Oneal Street Florence AL 35630 31.56 $15,000.00 2 $30,470.00 5600028 Billy Gurr 92 Mariner Way Destin FL 32541 47.83 $35,000.00 2 $134,350.00 5600036 John Sledge 22 Saint Marys Road Dothan AL 36301 33.77 $20,000.00 2 $68,876.00 5600093 Howard Smith 3351 East Avenue K-4 Lancaster CA 93535 42.99 $25,800.00 2 $86,328.00 5600135 Nancy Melton-Helal 4119 S Pleasant Independence MO 64055 44.11 $31,600.00 2 $67,258.00 5600150 RICKY WILLIAMS 38 MORNING RIDGE ROAD MONROEVILLE AL 36460 30.96 $60,000.00 2 $183,893.00 5600184 Calvin Segars 4242 Sandy Cross Road Royston GA 30662 47.59 $43,900.00 2 $40,647.00 5600200 Madonna Cox 824 State Route 483 Hickory KY 42051 49.90 $86,400.00 2 $98,235.00 5600234 R. Mislang 12829 Mill Brook Court Woodbridge VA 22192 38.29 $40,000.00 2 $132,000.00 5600242 Hector Torres 1832 Orca Place Anchorage AK 99501 46.41 $75,000.00 2 $118,725.00 5600267 Jay Johnson 1100 W. Goodrich Street Rushford MN 55971 27.41 $18,000.00 2 $82,500.00 5600291 Mark Jacobson 11443 Stillman Street Lakewood CA 90715 36.49 $65,000.00 2 $140,478.00 5600325 Steven Zonner 16838 South 1st Drive Phoenix AZ 85045 43.89 $80,000.00 2 $228,997.00 5600390 Angela Nugent 3500 South Greenville Santa Ana CA 92704 43.64 $50,000.00 2 $100,881.00 St. E- 5600416 Douglas Schmidt 311 Center Street Wonewoc WI 53968 51.28 $43,000.00 2 $54,690.00 5600432 Melvin Bright 1121 Teall Syracuse NY 13206 33.21 $26,400.00 2 $54,000.00 5600481 Yvonne Benjamin 5324 Thomas Sim Lee Upper Marlboro MD 20772 47.05 $30,000.00 2 $148,268.00 Terrace 5600507 Peter Priebe 2860 Los Alamos Court San Luis CA 93401 35.51 $25,000.00 2 $127,079.00 Obispo 5600515 Jennifer Sheffield 10480 North Street Live Oak CA 95953 41.46 $85,000.00 2 $89,848.00 5600614 Deborah Favorite 26962 Flo Lane #326 Canyon CA 91351 41.77 $25,000.00 2 $119,291.00 Country Area 5600648 Augustus Wade 1572 Valley Stream Marietta GA 30062 46.17 $85,000.00 2 $178,000.00 Drive 5600689 John Sheafer 26968 North Flo Lane Santa Clarita CA 91351 34.80 $38,000.00 2 $96,700.00 #315 5600705 Scott Manchester 1318 North Westwood SANTA ANA CA 92706 47.45 $30,000.00 2 $188,230.00 Avenue 5600713 Maurice Ninham 1040 5th Avenue East Nome AK 99762 28.32 $70,000.00 2 $124,195.00 5600770 Valerie Moffatt 10 Victorian Woods South Windsor CT 06074 45.89 $60,900.00 2 $123,000.00 5600812 David Wong 5553 Rightwood Way Sacramento CA 95823 48.76 $52,000.00 2 $128,666.00 5600895 Donald Kacmarcik 658 Treasure Circle Webster NY 14580 49.88 $108,700.00 2 $301,757.17 5600903 Amen Maat 54 Ward Street Norwich CT 06360 45.10 $38,000.00 2 $108,765.00 5600952 Paul Hornberger Jr. 815 Prism Valley Drive Mishawaka IN 46544 34.41 $43,500.00 2 $93,443.00 5600960 Keith Whitecotton 3647 Greenvale Road Baltimore MD 21229 34.50 $31,000.00 2 $48,821.00 5601075 Cornelius Hazel 53-87 62nd Street Maspeth NY 11378 49.51 $106,600.00 2 $137,808.00 5601091 Gary Fiala 6030 Calvin Avenue Tarzana CA 91356 40.78 $122,000.00 2 $180,699.00 5601109 Kyle Brown 11291 Riverside Drive Los Angeles CA 91602 37.04 $55,300.00 2 $163,970.00 5601125 Michael Gee 2892 Cullens Court Ocoee FL 34761 43.42 $37,000.00 2 $124,493.00 5601133 David Melanson 928 East Pontiac Drive Phoenix AZ 85024 40.24 $27,000.00 2 $134,000.00 5601190 Alan Straneva Road 1 Box 283 Dahoga Wilcox PA 15870 25.43 $52,900.00 1 $0.00 Road 5601281 Marna Hawkins 838 Evergreen Drive Lodi CA 95242 49.82 $30,000.00 2 $181,122.00 5601307 Derrick Dunlop 613 Risen Star Drive Crestview FL 32536 49.95 $69,600.00 2 $130,879.00 5601364 Aaron Kooiker 5024 69th Street Urbandale IA 50322 37.20 $44,800.00 2 $133,334.00 5601398 Donald Enoch 2310 New York Avenue Parkersburg WV 26101 34.68 $26,200.00 2 $102,111.00 5601422 Dan Woodworth 25486 Jackyn Avenue moreno valley CA 92557 43.44 $20,000.00 2 $140,392.00 5601448 Brenda Morrison 110 Bending Oak Drive Bellefonte PA 16823 44.52 $30,100.00 2 $102,725.00 5601455 George Bronson 1121 Foster Grove Road Chesnee SC 29323 44.90 $15,000.00 2 $87,000.00 5601489 Peter Rayfield 21 Larry Drive Commack NY 11725 48.31 $84,000.00 2 $226,231.00 5601539 Marvin Shields 310 Jacks Place Newport News VA 23608 49.58 $28,000.00 2 $81,991.00 5601562 Vincent Pace 9806D Boca Gardens Boca Raton FL 33496 47.37 $25,000.00 2 $88,380.00 Trail 5601570 Dennis Williams 1380 Highway 518 Minden LA 71055 31.87 $26,500.00 2 $78,968.00 5601620 Jeffrey Molina 2911 Mount Pleasant Way Corona CA 92881 48.47 $85,000.00 2 $189,000.00 5601646 Amy Parkin 9 14th Avenue SE Aberdeen SD 57401 30.56 $54,000.00 2 $78,800.00 5601661 David Botelho 110 Sandhill Road Essex Junction VT 06452 38.87 $15,000.00 2 $112,293.00 5601679 NOELLE BOURDEAU 3204 WEBBER ST Sarasota FL 34239 33.91 $61,000.00 2 $74,858.00 5601711 Douglas Flynn 2227 Lyntz Road Lordstown OH 44481 31.00 $37,000.00 2 $66,730.00 5601745 Jeffrey Flory 118 Snyder Street Selinsgrove PA 17870 32.90 $38,000.00 2 $68,000.00 5601752 April Bowers 1538 Poplar Street Roseburg OR 97470 46.54 $23,000.00 2 $80,781.00 5601877 Michael Baillargeon 6808 E Osborn Road Scottsdale AZ 85251 47.36 $29,500.00 2 $117,760.00 5601885 Antulio Cruz 2431 North Fairfield Chicago IL 60647 40.53 $60,000.00 2 $139,500.00 5601893 RAMON REYES 4 Oak Street GARNERVILLE NY 10923 37.95 $42,200.00 2 $170,000.00 5602016 Susan Parker 107 Coraetta Circle Toney AL 35773 38.98 $20,500.00 2 $76,347.00 5602057 Coleen Vandepas 455 E. Ocean Blvd. Long Beach CA 90802 45.92 $75,000.00 2 $71,239.00 #411 5602081 David Rowe 1002 Hillcrest Street Angels Camp CA 95222 33.69 $55,000.00 2 $112,886.00 5602131 Ervin Maynard HC 69 BOX 2510 Inez KY 41224 49.87 $20,500.00 2 $81,000.00 5602149 Robert Peterson 1504 Colchester Road Woodbridge VA 22191 36.99 $35,000.00 2 $106,429.00 5602156 Ruben Federico 527 West Street San Diego CA 92113 29.65 $85,500.00 2 $49,829.00 5602172 Gilbert Dunn 123 Ridgewood Drive Daphne AL 36526 49.21 $48,000.00 2 $77,400.00 5602180 Chris Hoer 606 Woodhill Estates Ellisville MO 63021 38.09 $31,600.00 2 $195,000.00 Drive 5602222 Anthony Zagotta 2828 Wisconsin Ave Washington DC 20007 46.65 $85,000.00 2 $184,497.00 #102 5602248 Brian Riha 229 Broad Street Augusta GA 30901 30.08 $35,000.00 2 $89,342.00 5602271 Tammy Principe 904 South Second St. Alhambra CA 91801 44.12 $105,000.00 2 $128,000.00 Unit A 5602297 Don Bohlmann 8 Buttercup Rancho Santa CA 92688 48.84 $39,100.00 2 $172,426.00 Margarita 5602305 John Foster 170 Lydia Lane Coroan CA 92882 49.33 $25,000.00 2 $178,740.00 5602354 Scott Carlson 77 Cotton Circle Colbert GA 30628 44.84 $37,000.00 2 $88,000.00 5602404 Troy Roberts 143 Ember Road Eros LA 71238 48.23 $21,600.00 2 $87,500.00 5602412 Victor Trujillo 230 Legacy Lane Chico CA 95973 42.68 $22,500.00 2 $130,071.00 5602438 Frankie Israel 130 Lundy Court Macon GA 31210 29.42 $38,500.00 2 $115,545.00 5602529 Anthony Cunningham 5447 English Elm Court North Las NV 89031 42.34 $39,400.00 2 $113,727.00 Vegas 5602537 Anthony Xochihua 1755 Avenida Alta Mira Oceanside CA 92056 45.74 $52,000.00 2 $197,188.00 5602552 Shelly Sliva 2811 Langridge Loop NW Olympia WA 98502 37.23 $15,800.00 2 $144,363.00 5602560 Bryan Dickason 8131 Ackerson Way Antelope CA 95843 35.05 $48,500.00 2 $152,206.00 5602594 Juan Garcia 2308 Dario Circle Stockton CA 95209 48.17 $63,000.00 2 $116,695.00 5602602 Ron Nelson 640 Claudius Way Windsor CA 95492 48.72 $30,000.00 2 $200,850.00 5602636 Stella Vakarcs 26260 Barrett Road Kingston WA 98346 45.07 $42,000.00 2 $135,205.00 Northeast 5602644 Christopher Lee 9504 Garrycastle Court Las Vegas NV 89129 41.74 $75,800.00 2 $114,961.00 5602719 Deborah Reilly 350 South Elm Street Windsor Locks CT 06096 39.49 $33,000.00 2 $112,498.00 5602735 Arthur Richmond 1453 Forbes Street Kalamazoo MI 49006 24.28 $30,000.00 2 $64,500.00 5602743 Nicholas Palmisano 2608 Pine Grove Place Modesto CA 95355 45.00 $77,700.00 2 $85,649.00 5602768 Jeffrey Furno 27021 116th Place SE Kent WA 98031 38.49 $50,000.00 2 $146,601.00 5602784 William Bellando 3709 High Pointe Drive Ruston LA 71270 49.78 $35,000.00 2 $73,815.00 5602792 Steven Jenne 213 Evergreen Court Azusa CA 91702 28.61 $29,400.00 2 $90,131.00 5602800 Ruben Coppari 11391 NW 37th Place Sunrise FL 33323 49.94 $37,000.00 2 $103,149.00 5602818 Timothy Howard 15178 Moir Court Tustin CA 92780 49.86 $33,000.00 2 $117,900.00 5602883 Phillip Reed 1050 North Shortridge Indianapolis IN 46219 27.78 $18,700.00 2 $86,790.00 Road 5602909 Gordon Mac Donald 667 Germaine Drive Galt CA 95632 38.66 $80,000.00 2 $123,960.00 5602966 Matthew Wagner 8537 West Highway 61 Schroeder MN 55613 34.05 $25,300.00 2 $84,000.00 5602982 Ralph Thorbahn 4910 Irving Drive Colorado CO 80916 38.85 $50,000.00 2 $85,972.00 Springs 5603014 Jessie Yonts 291 County Road 1633 Cullman AL 35055 44.63 $34,500.00 2 $40,000.00 5603097 Michael Sabo 2323 Richard Drive Henderson NV 89014 38.13 $36,600.00 2 $105,411.00 5603220 Michael Cohick 1419 Walnut Street Jersey Shore PA 17740 35.18 $32,000.00 2 $72,189.00 5603238 Leland Spradling 5022 South Fremont Tucson AZ 85706 49.01 $36,800.00 2 $75,700.00 Avenue 5603303 Karen Shutt 115 Westcott Street Jamestown NY 14701 28.46 $36,400.00 2 $32,776.00 5603329 Dennis Cochran 1205 Kesler Road Front Royal VA 22630 40.24 $35,000.00 2 $89,419.00 5603394 John Carney Jr. 404 Hawthorne Court Flemington NJ 8822 32.00 $38,400.00 2 $132,850.00 5603402 Barry Sorteberg 6908 Elkhorn Street Bakersfield CA 93313 49.56 $30,500.00 2 $133,869.00 5603436 Cesar Olivas 816 Sunrise Drive SW Albuquerque NM 87121 33.41 $43,800.00 2 $81,963.00 5603451 Russell Barber 2130 Avon-Geneseo Road Avon NY 14414 43.37 $35,000.00 2 $106,000.00 #1 5603469 Robert Riddle 1359 West Princeton Ontario CA 91762 42.50 $27,800.00 2 $135,000.00 Street 5603519 C. Larson 113 NE 11th Street Hermiston OR 97838 47.99 $27,000.00 2 $157,720.00 5603600 Victor Meza 525 Pacesetter Street Oceanside CA 92057 41.21 $26,400.00 2 $203,963.00 5603634 Kalpesh Lakhani 1271 Manchester Avenue Placentia CA 92870 37.93 $39,900.00 2 $147,000.00 5603642 Ouida Jones 17325 Royal Court South Holland IL 60473 49.40 $62,500.00 2 $238,157.00 5603675 John Mello 120 Luther Avenue Somerset MA 2726 49.55 $30,000.00 2 $120,419.00 5603709 Kenneth Son 560 Scanfield Drive Madisonville KY 42431 33.80 $15,000.00 2 $87,077.00 5603717 Steven Parsons 76 Hitching Post Dover DE 19904 48.57 $50,000.00 2 $96,732.00 5603725 Richard Murray 6255 Viewpoint Drive San Diego CA 92139 30.30 $38,600.00 2 $133,803.00 5603782 Francis Miller 46 Woodward Street Danielson CT 06239 45.03 $48,000.00 2 $88,000.00 5603808 Anthony Black 21 Tierra Montanosa Rancho Santa CA 92688 33.70 $50,000.00 2 $136,000.00 Margarita 5603865 Mark Winfrey 4511 Greenvale Circle Stillwater OK 74075 48.56 $25,000.00 2 $85,000.00 5603881 James Harvey 8480 Sweet Clover Way Parker CO 80134 49.46 $28,300.00 2 $172,618.00 5603899 Howard Robertson 1496 Chapparel Way Oceanside CA 92057 19.34 $22,000.00 2 $108,034.00 5603931 William Schmitt 23441 Via Linda Mission Viejo CA 92691 39.51 $52,000.00 2 $180,406.00 5604137 Darold Mattoni 238 East 50th Tacoma WA 98404 37.31 $16,000.00 2 $117,575.00 5604152 Thomas Volz 887 Laura Drive Marion OH 43302 45.11 $26,000.00 2 $134,453.00 5604160 Elton Baggett 3627 Duff Road Lakeland FL 33810 37.41 $51,400.00 2 $67,925.00 5604178 Daniel Mangum 5716 Magie Street Baltimore MD 21225 49.50 $35,000.00 2 $108,369.00 5604202 Richard Holland 1257 East Riverside Ontario CA 91761 37.55 $37,800.00 2 $141,067.00 Drive 5604236 Thomas Benefiel 515 400 East Anderson IN 46017 33.23 $45,000.00 2 $45,869.00 5604251 William Anderson 2736 Galleon Place Sarasota FL 34235 32.38 $30,000.00 2 $97,402.00 5604319 Frederick Wellman 104 Cherry Hallow Peachtree City GA 30269 32.81 $43,000.00 2 $157,899.00 5604343 Robert Howard 1428 E. Fernrock Street Carson CA 90746 49.26 $41,000.00 2 $180,636.00 5604392 Randy Collins 515 Vermillion Court Anderson IN 46012 43.37 $58,500.00 2 $100,000.00 5604426 Susan King 890 Bennett Sreet Luzerne PA 18709 23.93 $36,700.00 2 $66,562.00 5604467 William Sullivan 37402 Meridian Ave. Dade City FL 33525 21.20 $15,000.00 2 $93,426.00 5604509 James Mathis 65 Lakeview Drive Cleveland AL 35049 42.35 $81,300.00 2 $86,845.00 5604608 Keith Morrison 878 Providence Street West Warwick RI 2893 47.32 $75,000.00 2 $94,381.00 5604616 Kimberley Thompson 3216 Lagunita Circle Fairfield CA 94533 47.43 $41,000.00 2 $221,746.00 5604624 Jodi Lewis 1507 Whitfield Park Savannah GA 31406 23.19 $37,500.00 2 $75,402.00 Circle 5604632 Larry Cassel Jr. 1132 Zeager Road Elizabethtown PA 17022 48.86 $45,000.00 2 $90,000.00 5604673 Jerry Adams 7205 Abalone Way Wendell NC 27591 24.04 $25,000.00 2 $95,201.00 5604699 James Williams 2260 Demooney Road College Park GA 30349 34.28 $62,000.00 2 $75,006.00 5604715 Janet Linck 115 West Harrie Street Newberry MI 49868 26.03 $37,000.00 2 $64,995.00 5604731 Michael Bender 2118 Central Avenue Great Falls MT 59401 46.69 $19,300.00 2 $70,436.00 5604756 Matthew Rooney 2321 Tranquility Lane Green Cove FL 32043 44.00 $85,000.00 2 $164,100.00 Springs 5604798 James Richards 558 Janet Drive Conneaut OH 44030 36.15 $30,500.00 2 $113,300.00 5604822 William Steiner 6798 Lotus Court Rancho CA 91739 49.47 $77,600.00 2 $98,184.00 Cucamonga 5604871 Steven Smith 9604 E Sutton Drive Scottsdale AZ 85260 36.95 $41,700.00 2 $156,938.00 5604954 James Burns 115 West Sherman Street Athena OR 97813 48.21 $65,200.00 2 $102,607.00 5604970 Danny Helton 143 Shawnee Drive Paint Lick KY 40461 40.38 $21,800.00 2 $87,875.00 5604988 Jacob Carls 9440 East Kayenta Drive Tucson AZ 85749 41.11 $53,000.00 2 $143,910.00 5604996 Cheryl Rivera 2487 Fox Drive Aurora IL 60506 45.97 $24,300.00 2 $135,567.00 5605019 Steven French 47 Linhaven Irvine CA 92602 46.61 $107,900.00 2 $287,774.00 5605027 MICHAEL BERTHIAUME 59 MCCANNON STREET Sugar Grove IL 60554 46.31 $45,000.00 2 $137,026.00 5605035 Aleida Hernandez 15550 Via Vista Desert Hot CA 92240 36.33 $30,000.00 2 $68,624.00 Springs 5605043 Jeffrey TRUNZO 4701 Hermitage St Niagara Falls NY 14305 38.16 $21,200.00 2 $107,793.00 5605068 Rodney Green Jr. 1180 N Maple Ave Bartow FL 33830 39.92 $30,000.00 2 $82,548.00 5605084 Wendy Richmond 110 N Delaware Blvd Jupiter FL 33458 36.14 $30,000.00 2 $71,150.00 #15C 5605118 Natividad Martinez 23157 Los Ranchos Drive Tracy CA 95376 31.82 $70,000.00 2 $329,000.00 5605175 Dustin Celie 4160 Acacia Avenue Norco CA 91760 49.21 $64,000.00 2 $113,394.00 5605241 Leon Ronzana 4750 Almara Plaza Yorba Linda CA 92886 39.57 $70,800.00 2 $131,900.00 5605274 Robert Acup 109 North 6th Street Dupo IL 62239 31.13 $25,600.00 2 $80,105.00 5605282 Jason Farber 131 1st Street Coal Valley IL 61240 28.10 $26,700.00 2 $40,177.00 5605290 Brent Hampton 1719 South 124 East Tulsa OK 74128 30.07 $44,500.00 2 $60,980.00 Avenue 5605316 Richard Chambers 1211 North Saw Creek Meridian ID 83642 35.10 $40,000.00 2 $136,000.00 Place 5605381 Byron Trice 104 Loch Lane Louisa VA 23093 28.64 $45,000.00 2 $81,300.00 5605399 James Blackburn 15655 North Equestrian Tucson AZ 85739 40.80 $68,000.00 2 $232,000.00 Trail 5605415 Kelly Greenhaw 2636 De Forest Avenue Long Beach CA 90806 49.37 $15,500.00 2 $183,515.00 5605431 Robert Jess 1048 Fieldstone Drive Canton GA 30114 45.09 $15,000.00 2 $136,485.00 5605456 Wally Kwok 1618 South 10th Avenue Arcadia CA 91006 48.41 $71,000.00 2 $216,241.00 5605530 Timothy Ehrler 81 Minnisink Road Lake Hopatcong NJ 7849 38.49 $24,000.00 2 $142,446.00 5605555 David Sutherland 63 Via Vicini Rancho Santa CA 92688 40.04 $42,000.00 2 $156,256.00 Margarita 5605696 Sandra Suit 1602 Katheryne Village Annapolis MD 21401 37.79 $34,000.00 2 $137,182.00 Square 5605712 Robert Rodriguez 474 Weisser Way San Diego CA 91911 43.47 $29,700.00 2 $157,236.00 5605720 Jennifer Bultez 9035 Northeast 180th Bothell WA 98011 46.90 $40,900.00 2 $153,355.00 Street 5605746 Charles Rettinger 2980 Asbury Court Miamisburg OH 45342 44.35 $20,000.00 2 $47,800.00 5605779 William Stultz 7 Summit Circle Council Bluffs IA 51503 44.86 $74,000.00 2 $75,301.00 5605803 Jesus Ortega 707 NW Euclid Avenue Lawton OK 73507 34.45 $37,900.00 2 $47,200.00 5605860 David Tanner 1421 South Dallas Drive Anaheim CA 92804 44.03 $65,000.00 2 $200,940.00 5606041 Lilian Caylan 1016 Cannon Road Riverside CA 92506 26.88 $125,000.00 2 $252,000.00 5606082 Maria Cardenas 23228 Sesame Street 11J Torrance CA 90502 44.34 $33,000.00 2 $74,625.00 5606124 Frank Garcia 10146 La Alegria Drive Rancho Cordova CA 95670 47.36 $39,500.00 2 $127,333.00 5606132 Lucion Bloxon III 707B Patrick Street Westhampton NY 11978 24.71 $55,000.00 2 $84,808.00 Beach 5606157 Tracy DeVries 2504 Silver Rock Dr. Crest Hill IL 60435 20.08 $30,000.00 2 $168,000.00 5606181 Frederick Anderson 451 Laureles Grade Carmel Valley CA 93924 45.89 $150,000.00 2 $387,444.00 5606223 Kenneth Peters 3353 Carlton Boulevard Jackson MI 49203 35.55 $63,200.00 2 $135,597.00 5606272 Felipe Contreras 11932 Easy Way Garden Grove CA 92840 38.44 $40,000.00 2 $178,848.00 5606280 Lawrence Line 2903 Duncan Road Wilmington DE 19808 41.59 $32,000.00 2 $114,564.00 5606298 Reginald Drummond 1355 Poplar Circle Hinesville GA 31313 29.84 $30,600.00 2 $63,789.00 5606306 Larry Mackie 1733 Coniferous Drive Arnold CA 95223 46.97 $40,000.00 2 $146,737.00 5606314 Eric Taylor 18008 Sarotoga Way #517 Santa Clarita CA 91351 25.12 $50,000.00 2 $62,800.00 5606363 Max Thompson 117 Eula Drive Lafayette LA 70506 25.19 $23,200.00 2 $53,571.00 5606389 Donna Juhrden 111 N. Mechanic Street Wyoming DE 19934 42.00 $33,100.00 2 $70,825.00 5606439 Asatour Gasparian 121 Sinclair Avenune Glendale CA 91206 34.06 $32,900.00 2 $105,991.00 Unit 118 5606488 Frank Quiming 18 Evora Ct Sacramento CA 95833 49.90 $69,950.00 2 $101,401.00 5606504 William Dixon, Jr. 109 Zack Trail Minden LA 71055 37.48 $46,500.00 2 $94,218.00 5606579 Victor Felix 8900 Woodley Avenue N Hills CA 91343 47.82 $67,700.00 2 $162,000.00 5606611 Kevin Flannery Jr 117 Regal Lane Kelso WA 98626 49.66 $32,700.00 2 $121,839.00 5606629 Patrick Tisdale 22255 Caminito Danubo Laguna Hills CA 92653 44.90 $25,000.00 2 $173,697.00 #247 5606710 Robert Cleveland 6165 Jack London Circle Sacramento CA 95842 49.87 $83,300.00 2 $87,920.00 5622204 Patsy Jones 3306 Dunbrooke Drive Birmingham AL 35243 40.51 $48,000.00 2 $323,570.00 5622212 Edward Day 33580 Harvey Street Soldotna AK 99669 29.99 $50,000.00 2 $97,867.00 5622246 Hector Bordas 12171 Winton Street Garden Grove CA 92645 47.72 $42,000.00 2 $206,820.00 5622303 Robert Shetler 1617 Portola Avenue Spring Valley CA 91977 55.24 $85,000.00 2 $173,713.00 5622311 Enrico Montebon 1801 Wyoming Street Dayton OH 45410 29.77 $18,000.00 2 $58,500.00 5622337 Jessica Doyle 5905 Elmhurst Drive Mays Landing NJ 8330 48.78 $31,900.00 2 $96,000.00 5622345 Michael Tobias 8 Charles Street Wayland NY 14572 39.51 $21,500.00 2 $40,000.00 5622386 Glenn Scheuring 1901 Quartz Creek Lane Placerville CA 95667 44.61 $92,000.00 2 $281,000.00 5622428 Gary Porter 1833 S. Chateau Wichita KS 67207 38.30 $32,000.00 2 $87,000.00 5622469 Edmund Annor 4019 22nd St Northeast Washington DC 20018 49.45 $68,500.00 2 $149,615.00 5622477 Jose Rodriguez 2391 Cottonwood Trail Chino Hills CA 91709 52.38 $97,000.00 2 $147,379.00 5622485 William Grego 4890 Robin Hill Drive Omaha NE 68106 43.18 $35,000.00 2 $64,966.00 5622535 Miles Boss 4299 West Oak Harbor Port Clinton OH 43452 49.94 $50,000.00 2 $119,810.00 S.E. R 5622600 Charles Schade 4402 Pennsylvania Longview WA 98632 40.22 $20,000.00 2 $59,852.00 Street 5622659 Michael Albert 106 Collier Avenue Bartonville IL 61607 40.62 $62,800.00 2 $76,640.00 5622733 Kurt Grashaw 32 Burleigh Dr Granby CT 06035 25.41 $33,000.00 2 $116,000.00 5622758 Patrick Hogan 7 Goldweber Avenue Jackson NJ 08527 47.75 $66,000.00 2 $103,500.00 5622790 David Nevin 2209 Carol Ann Drive Tracy CA 95376 47.74 $27,000.00 2 $271,936.00 5622857 J Sharp 215 Tudor Drive Winchester VA 22603 27.74 $80,200.00 2 $71,505.00 5622907 Robert Ballentine 2866 Oxford Way Duluth GA 30096 36.02 $28,000.00 2 $85,996.00 5622915 Kent Armstrong 14020 Southeast Clackamas OR 97015 51.66 $34,200.00 2 $155,800.00 Summerfield Loop 5622956 Michael Wolfe 40 Taft Street Shelby OH 44875 48.90 $39,000.00 2 $95,428.00 5623012 Scott Martino 722 Brookland Curb Montgomery AL 36117 38.51 $23,200.00 2 $103,000.00 5623020 Christine Piazza 9705C Boca Gardens Boca Raton FL 33496 48.82 $50,000.00 2 $103,353.00 Circle N. 5623053 Rebecca Martinez 4307 New York Street Los Angeles CA 90022 40.05 $55,000.00 2 $84,580.00 5623103 Eric Brown 15524 Doris Court Moorpark CA 93021 40.63 $40,000.00 2 $192,000.00 5623160 Vicki Banach 36 East Pembroke Road Danbury CT 06811 43.53 $24,000.00 2 $110,227.00 #16 5623194 Robert Cavanaugh 7033 Reunion Circle Fountain CO 80817 49.04 $47,800.00 2 $145,800.00 5623210 David Schultz 167 Vereda Patria Rio Rico AZ 85648 28.94 $35,000.00 2 $78,288.00 5623285 Robert Parker 3348 East Long Lake Phoenix AZ 85048 44.44 $69,600.00 2 $137,600.00 Road 5623319 Joseph Foley 270 West Central Street Franklin MA 02038 45.48 $42,000.00 2 $64,451.00 5623350 George Broughton 2830 Circle Ridge Drive Orange Park FL 32065 36.38 $85,000.00 2 $93,952.00 5623376 Robert Prevost Sr 8062 Valencia Avenue Stockton CA 95209 40.21 $45,000.00 2 $134,391.00 5623426 Hubert Graves 14 West Beaver Lane Midway GA 31320 46.47 $85,000.00 2 $85,500.00 5623434 Raul Gramatges 13343 Foxhole Drive Fairfax VA 22033 27.50 $76,700.00 2 $192,834.00 5623491 Terry Cook 621 East Silverlake Oak Harbor WA 98277 36.11 $40,000.00 2 $160,488.00 Road 5623574 Michel Beaulne 887 Meadowridge Drive Aurora IL 60504 34.03 $35,500.00 2 $169,988.00 5623590 David Bellinger 1293 thalia st san diego CA 92154 50.34 $70,000.00 2 $151,960.00 5623665 Melvin Fretz 3147 Blackford Drive Tippecanoe IN 46570 23.34 $50,000.00 1 $0.00 5623707 Wayne Williams 14450 Park Avenue Oak Park MI 48237 49.54 $51,000.00 2 $138,900.00 5623715 Ion Vartolomei 714 South Pythias Anaheim CA 92802 54.47 $85,000.00 2 $147,524.00 Avenue 5623756 Christopher Lyle 2700 Abrams Avenue Montrose CO 81401 46.41 $40,700.00 2 $111,245.00 5623780 Patrick Bradley 1367 West Sample Avenue Fresno CA 93711 45.68 $100,000.00 2 $95,952.00 5623855 Francis Turner III 234 Mill Ridge Road Millbrook AL 36054 36.54 $38,700.00 2 $89,150.00 5623889 Michael McDonald 130 Edna Drive Crestview FL 32536 32.69 $30,600.00 2 $86,447.00 5623921 Carl Solomon 2260 Rabbit Run Road Vine Grove KY 40175 45.52 $37,000.00 2 $72,000.00 5623939 Mohd Azam 1627 South Norbury Lombard IL 60148 36.87 $150,000.00 2 $243,356.00 Avenue 5623962 Alan Leffel 210 Leffel Rd Grayson LA 71435 36.24 $28,300.00 2 $113,016.00 5623988 James Thompson 6005 Highgrade Drive Louisville KY 40291 40.48 $46,100.00 2 $56,643.00 5624002 William Harrill 6524 East Camino Vista Anaheim Hills CA 92807 45.42 $33,500.00 2 $167,641.00 5624028 Denette Gregory 2641 Westcoatt Street Acton CA 93510 40.40 $85,000.00 2 $251,775.00 5624044 Mark Doyle 244 Summit Street Windham CT 6226 32.23 $39,000.00 2 $84,571.00 5624093 Gwendolyn Black 1158 Alford Road Lithonia GA 30058 37.69 $38,000.00 2 $89,700.00 5624127 Thomas LaFlamme 163 Sylvester Road Northampton MA 01060 38.55 $75,900.00 2 $169,292.00 5624192 Barry Buffington 2435 South Meadowlark Springfield MO 65807 29.25 $30,500.00 2 $77,600.00 Lane 5624275 John Rudniski 8549 Raintree Road Tinley Park IL 60477 46.56 $103,500.00 2 $170,000.00 5624283 Mark Willems 1140 Nez Perce Drive Colorado CO 80915 27.93 $28,700.00 2 $105,991.00 Springs 5624325 Robert Kane 90 Auborn Ave Shirley NY 11967 50.21 $70,000.00 2 $141,700.00 5624341 Robert Munoz 6836 St Estaban Street Tujunga CA 91042 41.59 $37,800.00 2 $109,039.00 5624366 Chad Hebdon 470 North Jasper Drive Spring Creek NV 89801 50.00 $28,000.00 2 $99,437.00 5624382 Kenneth Engle 806 Duncombe Lane Newport News VA 23602 41.24 $22,800.00 2 $122,000.00 5624390 Joseph Carroll 7502 Frontier Ranch Las Vegas NV 89113 29.84 $50,000.00 2 $123,500.00 Lane 5624465 Marianne Gardner 1010 Hammond Street West Hollywood CA 90069 49.91 $79,500.00 2 $136,740.00 #301 5624515 Johnny Haynes 1812 Monroe Street Sweetwater TN 37874 38.73 $27,300.00 2 $54,606.00 5624556 Andrew Reisinger 3153 Heather Avenue Palmdale CA 93550 32.25 $26,100.00 2 $79,069.00 5624580 Leon Leathers 1218 East 31st Place Tulsa OK 74110 49.34 $44,000.00 2 $35,300.00 North 5624614 David Kaminsky 78 Stacy Drive Binghamton NY 13905 46.98 $85,000.00 2 $125,400.00 5624622 Jerry Roberson 103 Whetstone Court Martinez GA 30907 36.36 $24,100.00 2 $115,266.00 5624630 Katherine Boquist 2815 Dodson Street Durham NC 27703 33.73 $28,700.00 2 $72,097.00 5624655 Daniel Hornbeck 1161 S W 111th Avenue Pembroke Pines FL 33025 39.05 $15,000.00 2 $106,714.50 5624689 Brian Foster 748 South Eddy Fort Scott KS 66701 33.23 $28,800.00 2 $44,500.00 5624697 Robert Ellis 2035 Hacklebarney Lane Blackshear GA 31516 46.03 $15,000.00 2 $64,000.00 5624713 Fatma Gaydon 3533 Ashmore Lane Pace FL 32571 49.46 $48,800.00 2 $106,605.00 5624739 Jerry Messick 4600 Woodland Drive Oklahoma City OK 73105 22.01 $85,600.00 2 $134,800.00 5624788 Charles Colburn 26 Club Drive Chillicothe OH 45601 48.62 $82,000.00 2 $133,341.00 5624796 Steven Spann 956 Mark Alan Lane Dublin GA 31021 46.08 $68,000.00 2 $99,600.00 5624879 Gregory Frushour 1134 Dogwood Meadows Ada MI 49301 40.81 $64,700.00 2 $194,104.00 Dr. 5624911 Ella Fisher 1620 Sherris Lane Benton AR 72015 44.15 $34,000.00 2 $52,297.00 5624945 Robert Johnson 3591 Patrick Court Kodiak AK 99615 47.10 $50,000.00 2 $129,249.00 5625116 Jaime Guzman 1266 East 89th Street Los Angeles CA 90002 37.00 $40,000.00 2 $124,417.00 5625140 JOHN BIBBY 53 FIELDBROOK DRIVE MAGNOLIA DE 19962 38.48 $40,600.00 2 $201,986.00 5625157 Aaron Dilks 37 Fantail Court New Castle DE 19720 49.50 $42,400.00 2 $131,875.00 5625173 Cheri Reardon 2018 East Mohawk Court Olathe KS 66062 49.86 $42,500.00 2 $96,425.00 5625322 Rodney Little 108 DRIFFIELD COURT KNIGHTDALE NC 27545 34.73 $22,000.00 2 $109,845.00 5625330 Thomas Lyon 914 SW Isham Street Grants Pass OR 97526 34.45 $27,800.00 2 $83,390.00 5625363 Michael Trembley 302 Pine Hill Drive Hopkinsville KY 42240 38.43 $30,000.00 2 $69,223.00 5625371 Gregg Drews 116 Conewanta Road Upper St. PA 15241 43.57 $75,500.00 2 $120,736.00 Clair 5625421 Nicholas Reeves 1907 Saddle Drive Placentia CA 92870 40.67 $29,500.00 2 $253,994.00 5625439 Gary Rickert 116 Hebula Road Milford PA 18337 39.53 $50,000.00 2 $73,779.00 5625470 Dale Gardiner 8231 West Danbury Magna UT 84044 48.73 $60,000.00 2 $103,072.00 Drive 5625496 Avelino Doliente 10261 Westonhill Drive San Diego CA 92126 26.02 $85,000.00 2 $125,012.00 5625512 Homer Russell, Jr 20 Rainbow Lane Ennice NC 28623 27.43 $37,000.00 2 $61,689.00 5625520 Walter Luberacki 1774 S.W. Broadway Lane Port St. Lucie FL 34953 45.85 $50,800.00 2 $58,404.00 5625579 Jeffery Mellema 221 Dan AV Medford OR 97501 48.62 $35,000.00 2 $96,404.00 5625637 Eric Weiss 24 Goldsborough Way Reisterstown MD 21136 46.74 $60,000.00 2 $202,000.00 5625645 B. Dubree 23040 Grove Street S Bend IN 46628 26.86 $37,400.00 2 $71,500.00 5625652 Kevin Garner 150 Lakeview Drive Daleville AL 36322 15.48 $31,500.00 2 $46,000.00 5625769 Marc Danley 1092 W. Honker Drive Meridian ID 83642 35.39 $36,000.00 2 $110,693.00 5625793 Christopher Russell 600 Russell Cemetery Red Bay AL 35582 45.72 $50,000.00 2 $40,000.00 Road 5625835 Steven Jurecic 85 Maplewood Avenue Gaastra MI 49927 34.99 $34,550.00 2 $21,652.00 5625850 Jason Emmons 161 Old Willis Road Cumberland RI 02864 36.23 $55,600.00 2 $110,000.00 5625959 Jake Van Zandt 1125 South Sinova Mesa AZ 85206 37.09 $35,000.00 2 $107,673.00 5625983 Harold Askew 735 N. SPRUCE STREET EBENSBURG PA 15931 35.82 $22,000.00 2 $119,700.00 5626007 William Ramponi 1296 Reed Street Green Bay WI 54303 21.87 $22,500.00 2 $94,156.00 5626122 Milton Hayashida 7 Telura Rancho Santa CA 92688 48.35 $125,000.00 2 $297,997.00 Margarita 5626148 Hugh Barrett 1206 Flagler Lane Redondo Beach CA 90278 42.39 $75,100.00 2 $355,806.00 5626171 Loretta Mooney 439 Riverlake Court Woodstock GA 30188 38.56 $30,000.00 2 $84,917.00 5626270 Kim McDermid 4915 North Newton Kansas City MO 64119 42.67 $75,000.00 2 $56,358.00 Avenue 5626296 James Johnson 12710 Lakewood Drive Holts Summit MO 65043 47.86 $55,000.00 2 $124,401.00 5626304 Nebucchadnezar 2090 Brassy Drive Las Vegas NV 89142 45.75 $40,000.00 2 $105,925.00 Gatchalian 5626312 Herman Nash 8269 Water View Court Spring Valley CA 91977 37.29 $50,000.00 2 $155,814.00 5626320 Elmer Parrish 3441 Thomas Road Oxford MI 48371 39.31 $27,500.00 2 $153,000.00 5626338 Steven Tillery 9071 Merrill Court Noblesville IN 46060 35.62 $21,000.00 2 $160,500.00 5626361 Theresa Kraft R169 Lovers Lane Athens WI 54411 28.62 $43,900.00 2 $43,943.00 5626379 Paul Grieger 6234 E. Anaheim Street Mesa AZ 85205 29.87 $30,000.00 2 $94,368.00 5626387 Karen Turk 645 Paseo Rio Vista CA 92083 47.51 $12,000.00 2 $185,080.00 5626395 Lynda Long 4939 Wilton Place Riverside CA 92504 42.62 $25,000.00 2 $93,002.00 5626403 James Caskey, Jr. 11912 Shoshone Avenue Granada Hills CA 91344 31.03 $125,000.00 2 $373,566.00 5626478 Hilario Aguirre 728 Casey Circle Banning CA 92220 45.74 $25,000.00 2 $91,000.00 5626502 Michael Duncan 218 East 7th Avenue Columbus OH 43201 38.42 $15,000.00 2 $54,116.00 5626528 Hawthorne Reed Jr 304 Sheppard Avenue Radford VA 24141 26.53 $43,800.00 2 $61,000.00 5626536 Jack Scott 8339 Abelia Court Orangevale CA 95662 34.90 $40,600.00 2 $130,273.00 5626569 Donald Delp 804 Franklin Avenue Ellenton FL 34222 34.84 $38,800.00 2 $74,983.00 5626627 James Christian 600 Middle Road Milton VT 05468 31.86 $40,000.00 2 $116,116.00 5626635 JAMES ANDREWS 1106 RIPPLESTONE AVENUE North Las NV 89031 27.62 $36,500.00 2 $141,368.00 Vegas 5626684 Gregory Glover 2600 SW Goodwin Ave 20 Pendleton OR 97801 30.88 $18,100.00 2 $79,693.00 5626692 Jorge Rocha 808 NORTH "Z" STREET Lompoc CA 93436 43.47 $45,000.00 2 $126,734.00 5626718 Samuel Quaye 30-4 Fairlawn Drive Central Islip NY 11722 45.50 $125,000.00 2 $165,800.00 5626767 Scott Ehlbeck 205 Traverse Road Box Dingmans Ferry PA 18328 30.06 $21,000.00 2 $74,106.00 794 5626783 Mark Quinn 6191 East Newberry Camby IN 46113 46.09 $52,300.00 2 $131,088.00 Court 5626825 David Schumacher 20221 Pinon Canyon Road Tehachapi CA 93561 49.40 $53,000.00 2 $128,532.00 5626841 Robert Villasenor 15257 Crosswood Road La Mirada CA 90638 49.03 $75,000.00 2 $184,540.00 5626858 Joseph Scanlan 190 Concord Circle Panama City FL 32405 45.73 $38,500.00 2 $60,705.00 5626965 Brian Shookman 328 Loma Dr Forsyth IL 62535 32.76 $75,000.00 2 $76,046.00 5626973 Jennifer Qualls 217 South Gay Avenue Panama City FL 32404 36.70 $41,730.00 2 $53,560.00 5626999 Michael Dolney Jr 8485 Golden Spike Road Foley MN 56329 45.52 $75,000.00 2 $92,477.00 NE 5627013 James Berger 3621 W Bellewood Place Tucson AZ 85741 49.62 $53,500.00 2 $131,000.00 5627047 David Mayer 42970 Corte Colucci Temecula CA 92592 44.21 $33,200.00 2 $123,654.00 5627104 Gloria Reynolds 2514 Furmint Way Rancho Cordova CA 95670 37.81 $43,100.00 2 $89,546.00 5627112 Rosendo Rulloda 12110 Lucile Street Culver City CA 90230 45.15 $50,000.00 2 $199,181.00 5627161 Kendrick Beckwith 1 Nancy Drive Brunswick ME 4011 28.49 $30,000.00 2 $100,000.00 5627179 Lolette Robrahn 667 Canyon Drive Lebec CA 93243 44.54 $100,000.00 2 $75,000.00 5627203 Dennis Collison 6762 Salerno Place Alta Loma CA 91701 33.05 $76,600.00 2 $169,307.00 5627237 Gregory Surprenant 16410 Valle Vista Way Riverside CA 92506 49.36 $85,000.00 2 $188,287.00 5627252 Paul Olshan 1314 Northwest 7th Boca Raton FL 33486 49.37 $86,000.00 2 $98,127.00 Street 5627278 Kevin Colburn 1912 Jamison Drive Fort Collins CO 80528 39.82 $56,200.00 2 $115,973.00 5627344 Bryon Boller 637 Mountain View Drive Tunnel Hill GA 30755 23.69 $42,000.00 2 $103,089.00 5627351 David Donaldson 26282 Idlewood Rd Mc Clelland IA 51548 45.63 $42,000.00 2 $153,191.00 5627369 Marilyn Pollard 7616 Tierra Glen Way Sacramento CA 95828 42.04 $29,000.00 2 $95,172.00 5627427 Mary Paxton 1392 East Cherry Hill Chandler AZ 85249 32.89 $21,312.00 2 $105,000.00 Drive 5627443 Miguel Valdez 25551 Hondo Barranca Moreno Valley CA 92551 38.98 $37,000.00 2 $146,708.00 5627609 Stephanie Hertter 1313 North Linden Bloomington IL 61701 38.90 $40,000.00 2 $67,625.00 Street 5627690 Randall Marker 9527 Rutland Avenue Whittier CA 90605 30.10 $30,200.00 2 $178,460.00 5627716 Kimball Schaul 20895 Cashew Street Wildomar CA 92595 48.75 $65,000.00 2 $165,499.00 5627724 Claude Clevinger 112 Santa Cruz Avenue Royal Palm FL 33411 31.88 $20,000.00 2 $117,869.00 Beach 5627732 Alireza Kamranikaia 4400 Wicklow Court Suwanee GA 30024 41.12 $83,100.00 2 $167,691.00 5627757 Joseph Orozco 2351 Argonne Avenue Long Beach CA 90815 48.78 $37,000.00 2 $177,000.00 5627781 William Tindall 9271 Tasmania Avenue Baton Rouge LA 70810 41.87 $25,000.00 2 $85,929.00 5627799 John Marsh, II 1305 Salt Clay Court Wesley Chapel FL 33543 36.52 $28,000.00 2 $102,549.00 5627823 Lawrence Conway 9405 South Fairview Dr Oklahoma City OK 73159 49.54 $58,800.00 2 $93,188.00 5627856 RICHARD JACK 3333 34TH STREET Unit 1 BOULDER CO 80301 39.25 $26,200.00 2 $104,916.00 5627880 Richard Powell 300 Addison Place West Chester PA 19382 46.05 $115,500.00 2 $178,971.00 5627898 Linda Swortz 940 NorthWest Holcomb Mundelein IL 60060 45.33 $32,000.00 2 $118,800.00 5627906 Nanette Zellmann 1052 South Sierra Gilbert AZ 85296 30.94 $25,700.00 2 $111,157.00 Street 5627914 Patricia Crea 625 Terrace Avenue Escondido CA 92026 49.92 $65,000.00 2 $152,841.00 5628029 Michael Golding 1190 Eagle Pointe Lawrenceville GA 30044 49.24 $36,700.00 2 $95,795.00 5628045 Bryan Adamson 2924 Mill Creek Road Ontario CA 91761 43.00 $16,000.00 2 $130,158.00 5628185 Jose Gomez 8219 Adams Street Paramount CA 90723 45.97 $33,600.00 2 $149,643.00 5628250 Sergio Loreto 7692 West Courtyard Run Boca Raton FL 33433 38.74 $27,000.00 2 $87,428.45 5628326 Henry Mueller 261 Pond Hill Rd. Moosup CT 06354 40.35 $60,000.00 2 $163,286.00 5628334 Winifred Thompson 210 Bennington Circle Columbia SC 29229 47.08 $43,400.00 2 $144,600.00 5628383 Dean Hoots 1026 Sherwood Lane Santa Ana CA 92706 43.25 $33,500.00 2 $185,597.00 5628391 Berry Kell 1072 Wickel Street Turlock CA 95382 39.83 $28,000.00 2 $121,832.00 5628433 John Hardy 15922 Bluebonnet Drive Parker CO 80134 36.83 $47,000.00 2 $188,000.00 5628458 Anthony Hardy 122 Laura St Abbeville LA 70510 38.13 $40,000.00 2 $41,000.00 5628466 Alvaro Medina 7712 Angoras Court Bakersfield CA 93308 47.91 $40,400.00 2 $114,159.00 5628474 John Stevens 8074 Quailwood Court West Chester OH 45069 38.33 $41,000.00 2 $138,786.00 5628490 John Gibbons 749 Canvasback Court Salisbury MD 21804 45.09 $15,000.00 2 $63,502.00 5628508 Gerard O'Leary 2602 Duncan Road Wilmington DE 19808 29.69 $59,800.00 2 $137,133.00 5628524 Floyd Newton 52643 Center Drive La Pine OR 97739 48.62 $56,900.00 2 $76,000.00 5628557 Rodney Page 1225 West Oak Avenue Fullerton CA 92833 49.20 $29,600.00 2 $154,330.00 5628581 Eric Umbarger 431 Linden Street Dana IN 47847 23.40 $25,000.00 2 $55,993.00 5628615 Mark Anderson 4018 143rd Street NW Marysville WA 98271 38.94 $60,000.00 2 $201,564.00 5628649 James Engell 611 Unimak Street Petersburg AK 99833 33.05 $28,200.00 2 $116,656.00 5628672 Timothy Ferguson 115 Chardon Avenue Chardon OH 44024 33.85 $30,000.00 2 $67,147.00 5628680 Ziad Hassanieh 1079 Ruby Drive Vacaville CA 95687 27.04 $55,000.00 2 $152,403.00 5628722 Charles Gross 119 Nunnally Road N.E. Winder GA 30680 32.49 $70,000.00 2 $80,000.00 5628748 Joanee Johnson 3238 Glancy Drive San Diego CA 92173 38.90 $30,000.00 2 $185,047.00 5628755 Lucelous Betts Jr. 6736 Rail Court Orlando FL 32810 43.81 $35,000.00 2 $141,052.00 5628763 Christopher Gans 338 Emery Avenue Romeoville IL 60446 41.15 $60,200.00 2 $84,396.00 5628771 Joyce Wesley 5073 Kimble Hill Circle Stockton CA 95210 42.35 $35,000.00 2 $149,334.00 5628870 Thomas Shipp 13530 Fairfield Drive Corona CA 92883 45.01 $36,700.00 2 $177,000.00 5628912 Steven Hughes 31329 Tobiah Place Castaic CA 91384 46.35 $65,000.00 2 $170,930.00 5628953 Derek Smith 91 Bryan Drive Corbin KY 40701 30.85 $24,000.00 2 $74,115.00 5628979 Douglas Kirby 673 Via La Cuesta Chula Vista CA 91913 46.38 $32,500.00 2 $277,818.00 5629001 Robert Mattson 11804 Eton Manor Drive Germantown MD 20876 46.10 $43,200.00 2 $87,872.00 # 201 5629019 Brian Winchell 2609 South Linden Wichita KS 67210 31.87 $30,500.00 2 $123,553.00 5629035 Jose Alvarez 376 South Miraleste San Pedro CA 90732 32.52 $16,500.00 2 $88,568.00 Drive #417 5629050 David Jefferson 720 Aragona Boulevard Virginia Beach VA 23455 23.78 $34,600.00 2 $69,214.00 5629068 Leslie White 56 Briar Gate Circle Aurora IL 60506 49.43 $65,000.00 2 $192,000.00 5629076 Dale Lea 8921 Junipero Avenue Atascadero CA 93422 49.09 $45,200.00 2 $187,500.00 5629084 Jerod Girton 420 Florence Avenue Waynesboro VA 22980 39.90 $22,000.00 2 $75,335.00 5629100 Donna Bryant 14784 Harrison Dr Adelanto CA 92301 40.32 $32,100.00 2 $98,190.00 5629118 Dana Noel 806 Wescott Road Bolingbrook IL 60440 40.51 $53,000.00 2 $219,056.00 5629142 Richard Vickery 2440 Dylan Drive Anchorage AK 99516 41.15 $32,500.00 2 $184,816.00 5629225 BRIAN BOWLES 12704 FALLBROOK WAY STANTON CA 90680 44.00 $25,000.00 2 $173,189.00 5629241 Eric Nelson 25885 Trabuco Road 238 Lake Forest CA 92630 46.46 $21,000.00 2 $124,376.00 5629258 Steven Malnick 85 Curtis Drive E Berlin PA 17316 45.22 $62,250.00 2 $168,000.00 5629266 Kurt Allen 154 East 1190 South Farmington UT 84025 43.33 $50,000.00 2 $200,000.00 5629274 Jonah McCay 4238 Pinson Street Pinson AL 35126 41.44 $55,500.00 2 $105,317.00 5629308 Kennen Staley 3076 Valaria Drive Highland CA 92346 33.62 $49,000.00 2 $81,787.00 5629316 Anne Marks 497 E. California Pasadena CA 91106 49.86 $45,500.00 2 $142,000.00 Boulevard #2 5629357 John Kavinsky 7937 Tetotom Park Way Antelope CA 95843 44.76 $53,800.00 2 $165,737.00 5629365 Kenneth Wierman, Jr 697 Ericston Court Painesville OH 44077 32.78 $31,600.00 2 $112,413.00 5629399 Alan Schuring 8264 Rhodora Court Orangevale CA 95662 34.26 $15,300.00 2 $159,409.00 Area 5629415 Clarence Alston 20 Harvard Avenue Staten Island NY 10301 43.96 $35,000.00 2 $175,134.00 5629423 Daniel Nickel 5000 Wolferton Drive Godfrey IL 62035 26.63 $71,600.00 2 $96,208.00 5629449 Raul De La Cruz 619 West June Street Rialto CA 92376 29.93 $21,800.00 2 $74,856.00 5629464 Patti Edwards 9539 Cambury Drive Santee CA 92071 47.08 $65,900.00 2 $144,183.00 5629506 Merritt Lake 9218 Williams Street Manassas VA 22111 49.24 $79,300.00 2 $225,656.00 5629522 Stephen Quinn 612 Lake View Trail Marietta GA 30068 47.54 $52,500.00 2 $203,000.00 5629530 Joseph Bolanos 4171 Utica Court Stockton CA 95206 40.75 $30,000.00 2 $118,061.00 5629662 Adam Martinez 7004 Shiney Bark Court Indian Trail NC 28079 34.28 $34,600.00 2 $145,500.00 5629704 Faizul Sibdhanny 65 Taylor Street Holyoke MA 01040 41.48 $66,000.00 2 $72,540.00 5629712 James Hall 9122 Flower Avenue Silver Spring MD 20901 44.92 $34,900.00 2 $201,483.00 5629738 Scott Sauvager 11228 Old Telegraph Ashland VA 23005 35.99 $15,000.00 2 $85,103.00 Road 5629795 Trela Robinson 173 Pixlee Place Bridgeport CT 06610 46.06 $22,300.00 2 $70,706.00 5629829 Mary Cornwell 12118 Horseshoe Drive Eagle River AK 99577 42.87 $16,100.00 2 $103,137.00 Unit 1 5629886 Brian Flemming 2002 Hammock Drive Valdosta GA 31602 47.55 $25,500.00 2 $96,886.00 5629969 Roni MITCHELL 22043 Blink Road Fulton IL 61252 45.50 $52,000.00 2 $38,528.00 5629985 Clyde Hancock 363 Pinellas Bayway #44 St. Petersburg FL 33715 49.66 $35,800.00 2 $110,912.00 5629993 Charles Wallace 5889 Homestead Court Rex GA 30273 42.57 $32,800.00 2 $78,733.00 5630009 Laura Waldron 317 11th Street Schenectady NY 12306 39.77 $37,800.00 2 $57,971.00 5630066 Lucia Mulcahy 2469 Gulfbreeze Circle Palm Harbor FL 34683 32.71 $30,000.00 2 $111,000.00 5630082 Ramon Angulo 202 East Market Long Beach CA 90805 47.16 $38,200.00 2 $117,181.00 5630090 Kelli Clark 42878 Agena Street Temecula CA 92592 43.87 $65,000.00 2 $194,201.00 5630140 Sarah Smith 631 Light Road Winchester VA 22603 43.35 $43,000.00 2 $131,397.00 5630165 Dorothy Bechtel 778 Point Drive Akron OH 44319 31.41 $37,400.00 2 $86,867.00 5630173 William Miller 584 Brockwood Drive El Cajon CA 92021 48.18 $79,000.00 2 $120,695.00 5630249 James Arndt 11792 Gary Street Garden Grove CA 92840 49.38 $40,000.00 2 $176,641.00 5630264 Sean Mackall 13532 Adrian Drive Magalia CA 95954 24.91 $50,400.00 2 $97,267.00 5630314 Stephen Boerst 578 Penfield Road Rochester NY 14625 48.63 $61,000.00 2 $91,000.00 5630371 James Smith 895 Wilmont Court Loganville GA 30052 36.98 $28,500.00 2 $96,350.00 5630389 Neil Breitbard 962 Paseo Entrada Chula Vista CA 91910 47.98 $26,920.00 2 $259,572.00 5630421 John Gehman 604 Lithia Pinecrest Brandon FL 33511 36.29 $42,764.00 2 $113,151.00 Road 5630447 Lorenzo Padilla 5041 Columbia Drive Fontana CA 92336 33.61 $43,600.00 2 $159,971.00 5630462 Marc Zuckerman 1861 Chestnut Street Ottawa IL 61350 46.41 $31,900.00 2 $81,616.00 5630470 Howard Pyun 2404 Teresa Court Bakersfield CA 93304 30.07 $52,800.00 2 $63,000.00 5630553 Christian Shannon 4001 Clancy Court Bakersfield CA 93311 30.33 $25,000.00 2 $136,767.00 5630561 Richard Rice 7562 Smallwood Place Rancho CA 91730 46.78 $80,000.00 2 $200,000.00 Cucamonga 5630579 Warren Milota 5325 Yellowstone Drive Medina OH 44256 46.78 $24,400.00 2 $126,900.00 5630660 Howard Edwards III 2041 North Park Dr St. Paul MN 55119 40.98 $33,600.00 2 $90,888.00 Unit 6 5630694 Kristine Harmon 5575 Medea Valley Drive Agoura Hills CA 91301 45.64 $51,000.00 2 $207,158.00 5630702 Alireza 7740 Redlands Street Playa Del Rey CA 90293 40.23 $40,000.00 2 $96,143.00 Soltani-Tabrizi #G1087 5630777 Dennis Moseby 8908 North 22nd West Sperry OK 74073 44.58 $37,000.00 2 $142,500.00 Avenue 5630819 Thomas Cavileer 5735 Second Street Mays Landing NJ 08330 41.33 $25,000.00 2 $156,000.00 5630850 Mario Aguirre 4117 Overland Street Riverside CA 92503 31.38 $37,000.00 2 $93,499.00 5634340 Joseph Ganhs 4270 Roy Road Shreveport LA 71107 43.41 $44,450.00 2 $114,300.00 5634373 Thomas Mayfield 3440B Harlequin Court Kodiak AK 99615 34.83 $40,000.00 2 $189,855.00 5634399 Jack Everett 4117 Rutledge Way Carmichael CA 95608 44.60 $30,000.00 2 $107,254.00 5634456 Anthony Hernandez 9247 Sandown Road Pico Rivera CA 90660 34.11 $61,000.00 2 $148,409.00 5634472 Tudie Vu 5310 West Barbette Santa Ana CA 92704 47.59 $75,500.00 2 $129,799.00 Avenue 5634506 Tina Dolan 1410 Wuthering Hills Janesville WI 53546 35.01 $80,000.00 2 $103,600.00 Drive 5634514 Eric Manlongat 26 Dragonfly # 7 Irvine CA 92714 35.13 $63,800.00 2 $208,498.00 5634522 Pasquale Ventura 73255 Sun Valley Drive 29 Palms CA 92277 44.75 $25,000.00 2 $59,156.00 5634613 Chris Paparodis Sr 241 Fairground Bv Canfield OH 44406 49.44 $53,000.00 2 $113,173.00 5634647 SULLIVAN CALDWELL 13217 Northwest 7 Drive Plantation FL 33325 48.44 $40,000.00 2 $127,000.00 5634712 Charles Henderson 547 Wynbrooke Parkway Stone Mountain GA 30087 39.90 $40,000.00 2 $150,481.00 5634720 Angelica Dukes 17423 Spring Lane Arlington WA 98223 48.52 $50,000.00 2 $121,418.00 Avenue 5634787 Ussama Rassas 18989 East Linvale Aurora CO 80013 45.04 $54,000.00 2 $152,460.00 Place 5634795 William Collins 4506 Normandy Drive Naples FL 34112 34.39 $30,000.00 2 $68,617.00 5634878 Matthew Hamer 3854 Comanche Parkway Camanche Lake CA 95640 39.68 $37,500.00 2 $120,333.00 North 5634928 Ester Wallace 268 Williams Bend Drive Bonnyman KY 41719 34.69 $30,000.00 2 $74,177.00 5634969 Raymond Zoller 5228 Birdsong Road Birmingham AL 35242 47.27 $53,400.00 2 $162,796.00 5634977 Joseph Messina 1519 1/4 Otterbein Rowland CA 91748 47.44 $62,400.00 2 $134,311.00 Avenue Heights 5634993 Lawrence John 1542 N Idyllwild Avenue Rialto CA 92376 18.72 $37,200.00 2 $84,810.00 5635057 William Weller 34 Highland Way Newark DE 19702 40.74 $28,000.00 2 $86,352.00 5635180 Joseph Rivers 9109 Misty Way W Chester OH 45069 48.21 $52,400.00 2 $172,612.00 5635214 Jeffrey Plaisance 10870 Ray Drive Denham Springs LA 70706 35.03 $24,900.00 2 $87,418.00 5635297 Gary Beaudette 3900 Wichita Way Modesto CA 95357 43.98 $27,800.00 2 $126,734.00 5635347 Colin Junkins 3817 North Sunderland Spokane WA 99206 42.76 $27,500.00 2 $141,780.00 Road 5635388 Max Lacy 3026 West Country Visalia CA 93277 42.03 $17,400.00 2 $104,904.00 Court 5635404 Michael Stevens 2266 Cobb Creek Drive Decatur GA 30032 37.10 $47,600.00 2 $73,924.00 5635453 Eric Harris 8200 Brooks Lane Bakersfield CA 93307 34.22 $46,100.00 2 $47,263.00 5635511 Keith Huffman 3905 Larkcrest Las Vegas NV 89129 39.85 $66,000.00 2 $197,681.00 5635529 Jerry Ehlers 718 Juul SW Road Hutchinson MN 55350 48.83 $22,000.00 2 $78,732.00 5635545 Marilina Mahneke 2886 Southwest Lucerne Port Saint FL 34953 43.19 $25,000.00 2 $57,000.00 Street Lucie 5635586 Bruce Kranz 3406 Greenwood Drive Hopkinsville KY 42240 44.06 $45,000.00 2 $74,607.00 5635628 Gabriel Rabago 1235 Kewen Street #A San Fernando CA 91340 48.67 $33,600.00 2 $91,000.00 5635677 Mark Angiola 3137 Barkley Dr Fairfax VA 22031 40.34 $78,000.00 2 $212,000.00 5635719 Casey Ross 10007 Terrier Way Sacramento CA 95827 49.12 $30,500.00 2 $71,040.00 5635735 Cheryl Taylor 5510 SE Thomas Road Prineville OR 97754 49.03 $72,000.00 2 $132,867.00 5635800 Michael Yahney 2897 State Route 39 Lucas OH 44843 22.77 $31,800.00 2 $164,398.00 5635859 Jose Pineda 90 Olivewood Court Porterville CA 93257 48.21 $36,000.00 2 $77,233.00 5635891 Joseph Franco 5812 S 140th Avenue Omaha NE 68137 38.18 $32,000.00 2 $98,631.00 5635958 Marcos Hernandez 3023 Sunflower Drive Nampa ID 83686 37.56 $23,500.00 2 $75,105.00 5635966 Rick Hiser 23585 Lake Valley Drive Moreno Valley CA 92557 49.62 $85,000.00 2 $129,358.00 5636071 John Schumacher 2708 Ivywood Road Florence SC 29501 49.38 $25,100.00 2 $106,000.00 5636089 Tommy Myers 246 Les Drive Chandler IN 47610 34.24 $15,300.00 2 $68,059.00 5636147 Joanne Paul 6018 Acropolis Way Columbus OH 43231 43.79 $38,000.00 2 $121,375.00 5636204 Daniel Hooper 102 South Wilson Street Hobart IN 46342 32.60 $26,000.00 2 $93,093.00 5639760 CRAIG FORET 2317 West 74th Street Minneapolis MN 55423 41.43 $44,000.00 2 $116,700.00 5639836 Robert Simmerman 8 Thoroughbred Drive Hampton VA 23666 36.28 $46,200.00 2 $133,513.00 5639869 Timothy Lufkin 2200 Revere Circle Anchorage AK 99515 49.33 $85,000.00 2 $182,465.00 5639877 Frederick Harvey 8951 Hathaway Road Kalamazoo MI 49009 39.16 $85,000.00 2 $133,486.00 5639893 Robert Haynes 181 Mountain View Drive Homer AK 99603 46.99 $25,000.00 2 $229,831.00 5639901 Anthony Ross 220 Broad St Washington NJ 7882 49.49 $125,000.00 2 $93,557.00 5639943 Sharon Francis 18301 Allspice Drive Germantown MD 20874 30.93 $15,000.00 2 $93,572.00 5639968 Jennifer Seidelmann 8601 Keegan Court Raleigh NC 27613 44.67 $15,800.00 2 $129,760.00 5639992 Bettyanne Robinson 4747 Wren Court CharlottesvilleVA 22901 54.80 $50,000.00 2 $116,171.00 5640065 Paula Dew 837 Tulip Poplar Drive Birmingham AL 35244 31.50 $25,000.00 2 $187,000.00 5640115 Charlie Blackshear 8123 W. Melinda Lane Peoria AZ 85382 47.92 $40,000.00 2 $176,938.00 5640149 Donald Moore 1116-A Kerns Drive NE Bolivar OH 44612 47.75 $56,000.00 2 $147,053.00 5640198 Anthony Freestone 630 Clause Circle Billings MT 59105 35.86 $20,000.00 2 $96,143.00 5640214 Kenneth Fraine 8332 Glastonbury Court Annandale VA 22003 39.68 $70,000.00 2 $151,540.00 5640248 BRUCE GORDAN 333 Fairview Carlisle PA 17013 46.03 $32,700.00 2 $124,809.00 5640297 Brian Carr 203 George Street Saint Marys WV 26170 43.37 $15,000.00 2 $30,012.00 5640321 David Sisler 2170 Fifth Street Middletown VA 22645 48.65 $38,500.00 2 $93,877.00 5640339 Joseph Yanez 8855 Jupiter Lane Flagstaff AZ 86004 43.55 $47,100.00 2 $163,051.00 5640354 David Cozby 4041 South Wenas Road Selah WA 98942 42.64 $15,000.00 2 $107,399.00 5640362 Roscoe Thomas 239 60th Street Washington DC 20019 49.30 $76,800.00 2 $163,567.00 Northeast 5640453 Douglas Wright 401 Pepper Drive Tehachapi CA 93561 46.24 $35,000.00 2 $116,527.00 5640487 CAESAR BANSIL 18655 E Trot Avenue Rowland CA 91748 34.53 $65,000.00 2 $168,328.00 Heights 5640495 JEFFRY HAWKINS 10 Lompoc Court Rancho Santa CA 92688 31.75 $56,000.00 2 $206,158.00 Margarita 5640503 Earl Miller 555 Maine Street Apt Long Beach CA 90802 48.22 $37,800.00 2 $73,081.00 126 5640511 Carlos Flores 832 West 115th Street Los Angeles CA 90044 42.08 $50,000.00 2 $90,274.00 5640644 Tien Ninh 140 Keystone Drive Fenton MO 63026 45.90 $38,000.00 2 $104,352.00 5640677 Louis Soldinger 3811 Basilone Street #4 San Diego CA 92110 47.19 $30,900.00 2 $119,413.00 5640719 Le Mar De Tro 5430 Baltimore Drive 32 La Mesa CA 91942 31.12 $41,500.00 2 $120,857.00 5640735 Robert Santiago 36161 Vence Drive Murrieta CA 92562 49.53 $21,750.00 2 $129,482.00 5640776 Obidina Breedlove 1116 West Highland Albany GA 31707 30.36 $18,400.00 2 $35,002.00 Avenue 5640818 Jann Malone 29517 Cromwell Avenue Castaic CA 91384 51.96 $32,900.00 2 $140,395.00 5640826 Dale LeNeve 1437 El Cielo Lane Escondido CA 92026 34.80 $81,000.00 2 $185,400.00 5640834 Norman Card 5147 Bullion Street Mariposa CA 95338 37.49 $56,000.00 2 $127,497.00 5640883 Jose Cabrera 18104 Southwest 152nd Miami FL 33187 46.41 $18,000.00 2 $144,775.00 Place 5640891 Paul Conley 404 North Grandview Crandon WI 54520 47.67 $38,500.00 2 $77,324.00 5640909 Frank Gudson 1909 Gaitanos Place Lady Lake FL 32159 30.55 $31,700.00 2 $100,600.00 5640958 Kevin Costello 8540 North Central Phoenix AZ 85020 40.86 $80,200.00 2 $112,370.00 Avenue 22 5640982 Larry Skiles 5101 Presidential Seffner FL 33584 48.53 $30,000.00 2 $75,120.00 Street 5641022 JAMIE BAUMEISTER 16027 Central Park Markham IL 60426 32.88 $20,000.00 2 $54,780.00 Avenue 5641030 Mark Romberger 122 Heather Drive Harrisburg PA 17112 32.54 $26,700.00 2 $102,485.00 5641063 Christopher Stein 5912 O Leary Court Fort Collins CO 80525 48.48 $80,700.00 2 $128,481.00 5641121 Leslie Miller 7009 NW Fisk Kansas City MO 64151 30.74 $52,300.00 2 $56,065.00 5641139 Jim Payne 2158 Longview Drive Tallahassee FL 32303 38.30 $38,000.00 2 $82,597.00 5641154 Danny Brinkley 4516 Coral Reef Court Bakersfield CA 93313 41.07 $26,300.00 2 $86,475.45 5641162 Randy Vallembois 5200 Lance Street Bakersfield CA 93308 44.67 $45,700.00 2 $105,661.00 5641188 Randal Noble 1300 South Bethany Road Mc Donough GA 30253 31.88 $70,000.00 2 $110,297.00 5641212 Curtis Smith 513 South Van Buren Wilmington DE 19805 41.57 $26,000.00 2 $71,150.00 Street 5641238 Michael Meehan 27 8th Avenue Brunswick MD 21716 40.35 $36,500.00 2 $102,818.00 5641253 JEREMY MAINES 511 Lang Road Fort Walton FL 32547 43.31 $33,500.00 2 $78,129.00 Beach 5641261 Edgardo Baruelo 578 Valencia Parkway San Diego CA 92114 38.37 $62,000.00 2 $151,711.55 5641303 Pedro Calderon-Michel 6356 Laguna Mirage Elk Grove CA 95758 46.05 $29,000.00 2 $131,562.00 Lane 5641329 Cheryl Benavidez 3921 Wainscot Court Las Vegas NV 89147 41.74 $60,000.00 2 $145,801.00 5641345 Brian Niles 1008 Squirrel Road Marlton NJ 8053 38.05 $16,800.00 2 $105,037.00 5641360 MICHAEL CANADAY, SR. 57 BIRD OF PARADISE Palm Coast FL 32137 36.94 $48,700.00 2 $112,512.00 DRIVE 5641394 Marie-Christian 65-69 Blackeman Place Stratford CT 06615 47.14 $33,500.00 2 $243,550.00 Bontemps 5641410 Christie Waite 12316 158th Court North Jupiter FL 33478 29.98 $15,000.00 2 $98,002.00 5641535 Lawrence Prince, Jr. 923 E Roosevelt AVENUE Riverton WY 82501 30.84 $44,000.00 2 $39,446.00 5641543 ELMER KREMER 19607 DOVER LANE Bend OR 97702 35.64 $25,400.00 2 $108,793.00 5641584 Patrick Harrigan 180 Grans Circle Westminster SC 29693 39.72 $31,000.00 2 $86,681.00 5641600 Rosemarie Marusa 22 Patterson Avenue Stratford CT 6614 43.39 $33,100.00 2 $66,274.00 5641626 Charles Ziebell 1422 Oregon Street Oshkosh WI 54902 34.36 $15,000.00 2 $65,253.00 5641634 David Cavanaugh 1970 West Renaissance Apache AZ 85220 42.43 $33,000.00 2 $89,688.00 Avenue Junction 5641642 Steve Mankowski 4651 Fraijo Avenue Irwindale CA 91706 41.39 $37,500.00 2 $165,852.00 5641659 Clifford Moter 704 First Street West Clear Lake SD 57226 24.34 $39,400.00 2 $40,800.00 5641667 Ryan Hedges 2920 Osage Street Woodward OK 73801 40.80 $23,800.00 2 $44,391.00 5641709 Raymond O'quinn 39324 Fallbrook Circle Palmdale CA 93551 46.69 $34,300.00 2 $134,130.00 5641717 Oliver Palacios 18849 Villa Park Street La Puente CA 91744 46.70 $17,000.00 2 $139,420.00 5641758 William Graul 731 Hogestown Road Mechanicsburg PA 17055 45.33 $45,000.00 2 $97,027.00 5641766 Debbie Foster 36953 Hayward Avenue Barstow CA 92311 32.28 $37,800.00 2 $71,312.00 5641774 Jack Luera 9139 Ramona Street #10 Bellflower CA 90706 40.33 $32,800.00 2 $122,450.00 5641824 John Russo 1979 North Marco Drive Camarillo CA 93010 38.72 $54,100.00 2 $149,392.00 5641840 Harold Bartelli 1513 High Street Palatka FL 32177 48.80 $15,000.00 2 $63,000.00 5641857 Kathleen Ryan 22024 99th Place South Kent WA 98031 40.48 $40,000.00 2 $245,256.00 5641865 Nancy Frystak 1118 Woonsocket Court Schaumburg IL 60193 45.00 $45,000.00 2 $125,440.00 5641899 Jeffrey Sass 5758 Camhurst Court Galloway OH 43119 46.91 $66,800.00 2 $154,506.00 5641907 Paul Skipworth 903 Sunset Street Athens AL 35611 37.98 $37,000.00 2 $65,526.00 5641998 Richard Smith 226 Ivy Hill Court Lexington SC 29072 41.33 $75,000.00 2 $124,027.00 5642020 William Ryan, IV 5406 Sandi Circle Pinson AL 35126 24.37 $15,000.00 2 $82,015.00 5642053 Nicholas Miller 1831 Alabama Avenue Ft Wayne IN 46805 39.95 $34,500.00 2 $80,174.00 5642079 Judith 9680 La Nuez Drive Elk Grove CA 95624 43.90 $72,500.00 2 $120,995.00 Chastain-Tedrow 5642087 Maureen Maffey 6864 Ducketts Lane Elkridge MD 21075 45.63 $24,000.00 2 $103,591.00 5642152 Julia Thompson 9 Colonial Road Westport CT 6880 47.92 $125,000.00 2 $142,754.00 5642194 Camilo Rodriguez 8771 Fort Jefferson Orlando FL 32822 49.78 $70,000.00 2 $105,201.00 Boulevard 5642202 Gina ROBBIANO 75 Ohio Ave Medford NY 11763 49.35 $46,000.00 2 $115,797.00 5642210 William Penzo 17 Rockrose Way Irvine CA 92612 44.96 $100,000.00 2 $212,072.00 5642228 Muhammad Kaleem 8467 Denallen Drive Cincinnati OH 45255 20.22 $21,500.00 2 $149,250.00 5642269 Tilden Counts III 3200 Deep Meadow Lane Charlotte NC 28210 29.08 $20,000.00 2 $129,000.00 5642319 Douglas Drews 92-1124 Liolio Place Kaplolei HI 96707 48.20 $60,000.00 2 $183,000.00 5642327 Kevin Love 26564 North Cardinal Canyon Country CA 91351 49.90 $80,000.00 2 $211,961.00 Drive 5642335 Alfonso Arteaga 3129 Ashbrook Drive Chino Hills CA 91709 40.00 $55,000.00 2 $186,386.00 5642434 Richard Barefoot 4013 Derose Court Fayetteville NC 28311 39.78 $40,100.00 2 $135,317.00 5642442 Deidra Call 783 Marple Road Winchester VA 22603 49.39 $100,000.00 2 $238,208.00 5642467 STEVEN HATFIELD 766 Lanina Place Kihei HI 96753 49.91 $150,000.00 2 $225,986.00 5642517 Patricia Hagens 631 West Liberty Lane Gilbert AZ 85233 47.89 $37,000.00 2 $121,624.00 5642541 Lewis Raden 14104 Roamer Court Centreville VA 20121 51.53 $85,000.00 2 $197,691.00 5642616 Heather Canterbury 17107 Sunset Road Florence AZ 85232 40.90 $20,300.00 2 $107,000.00 5642640 Lynn Ihly 910 Broadway Denton MT 59430 47.74 $45,000.00 2 $46,000.00 5642707 DARRELL TUCKER 104 GRAYHAWK WAY Simpsonville SC 29681 44.69 $29,500.00 2 $110,000.00 5642723 Raymond Knauer 24015 Colmar Lane Murrieta CA 92562 42.74 $35,000.00 2 $165,064.00 5642889 Malcolm Wood 702 North Main Street Picayune MS 39466 36.37 $53,200.00 2 $57,726.00 5642954 Sandra Canseco 6906 Longview Road Kansas City MO 64134 44.59 $48,000.00 2 $37,000.00 5643010 DOUGLAS PEAKE 24383 AVENIDA MUSICO MURRIETA CA 92562 39.61 $50,000.00 2 $232,395.00 5643036 Richard Kravetz 2851 Rolling Hills Fullerton CA 92835 48.92 $58,800.00 2 $123,200.00 Drive 243 5643093 KENNETH DEWANDEL 316 Golden Maple Drive Virginia Beach VA 23452 29.85 $85,000.00 2 $110,803.00 5643101 James Wiltshire, Jr. Route 9 Box 386 Andalusia AL 36420 33.59 $31,800.00 2 $80,862.00 Academy Drive 5643143 John O'grady 1603 Cleveland Avenue Palatka FL 32177 34.96 $20,800.00 2 $56,676.00 5643176 Brian Montoya 2875 Grayhawk Court NW Salem OR 97304 42.47 $24,700.00 2 $213,290.00 5643184 Kevin Grant 3450 Niblick Ct New Port FL 34655 39.55 $54,100.00 2 $59,000.00 Richey 5643192 Mark Davis 183 River Run Circle Sacramento CA 95833 45.08 $28,700.00 2 $129,460.00 5643200 Larry Wilson 2762 Morris Avenue Clovis CA 93611 43.84 $63,000.00 2 $156,136.00 5643226 Thomas Kern 2013 Griswold Street Port Huron MI 48060 45.46 $63,200.00 2 $45,332.00 5643234 Jo Anne Plein 2000 Escondido Blvd. Escondido CA 92025 45.94 $16,000.00 2 $123,500.00 #66 5643242 Donna Guest 2038 Plantation Parkway Moody AL 35004 37.48 $21,420.00 2 $90,808.00 5643283 Marven Mantel 710 2nd Street Doon IA 51235 41.59 $38,000.00 2 $31,000.00 5643366 Thomas Vargus 303 Peridot Court Roseville CA 95678 46.60 $50,000.00 2 $128,493.00 5643390 Darin Russell 698 Clay Hill Johnson VT 05656 38.62 $25,900.00 2 $61,593.00 5643432 Betty Collins 13560 Monterey Way Victorville CA 92392 44.31 $38,000.00 2 $78,114.00 5643473 Henry Perez 695 South San Carlo Colton CA 92324 37.56 $27,100.00 2 $92,126.00 Avenue 5643507 Douglas Day 772 Ridgeview Lane Columbus IN 47201 47.21 $30,000.00 2 $102,098.00 5643515 William Manuel, JR 6620 North 185th Avenue Waddell AZ 85355 46.60 $51,000.00 2 $191,968.00 5643549 Jack Strong 2714 Ferndale Drive Eugene OR 97404 41.97 $19,000.00 2 $117,285.00 5643556 Constance Mitchell 8 River Drive Trenton NJ 08618 46.75 $36,600.00 2 $116,168.00 5643606 Nicholas Paris 1701 SE 24th Road 304 Ocala FL 34471 37.78 $22,000.00 2 $47,619.00 5643648 Rodney Anderson 1329 Timmons Seminole OK 74868 36.01 $31,000.00 2 $20,810.00 5643671 Craig Parks 101 South 13TH Street Lamar CO 81052 20.53 $18,800.00 2 $34,434.00 5643705 Andrew Segrest 1103 Belle View Blvd Alexandria VA 22307 39.24 $28,000.00 2 $66,918.00 Unit B-1 5643713 Author Criss 2153 SW 24th Street Redmond OR 97756 40.35 $44,000.00 2 $105,433.00 5643747 Richard George 735 Watson Avenue Simi Valley CA 93065 42.32 $107,800.00 2 $149,394.00 5643762 Meyer Brissman 1131 Knollwood Trail Altoona WI 54720 47.75 $49,000.00 2 $124,821.00 5643770 Esther Hahn 2057 Redwood Crest Vista CA 92083 46.21 $43,000.00 2 $208,000.00 5643820 Ronald Henderson 30455 Lake Watch Court Menifee CA 92584 43.56 $70,000.00 2 $117,291.00 5643838 David Reiffer 2702 Avon Ave. Wyoming MI 49509 35.34 $30,000.00 2 $78,394.00 5643879 TRUDEE GREENE 8162 WESTRAY DRIVE Sacramento CA 95829 48.32 $35,000.00 2 $121,682.00 5643887 Dana Wlazlak 5123 Woodlawn Avenue Everett WA 98203 41.64 $25,900.00 2 $118,212.00 5643895 MELISSA CHRISTIE 4711 Shadow Stone Bakersfield CA 93313 39.04 $25,000.00 2 $101,001.00 Street. 5643903 Ron Rogers 7824 Fenwick Street Sunland CA 91040 25.35 $40,000.00 2 $140,622.00 5643911 David Dabadie 21444 Old Scenic Zachary LA 70791 41.87 $67,600.00 2 $200,000.00 Highway 5643937 Joan Sena 9423 Willow Tree Lane Charlotte NC 28277 47.75 $52,400.00 2 $159,184.00 5643952 Matthew Shamburg 1778 Hassam Road Coraopolis PA 15108 49.18 $60,000.00 2 $122,973.00 5644034 William King 20170 Channing Lane Yorba Linda CA 92887 47.52 $101,700.00 2 $418,330.00 5644083 David Young 2565 Baseline Road Stockbridge MI 49285 46.01 $85,000.00 2 $83,694.00 5644141 Jay Maguire 910 West Tallassee Wetumpka AL 36092 34.34 $42,000.00 2 $57,319.00 Street 5644158 William Massey 130 Hickory Court Athens GA 30605 48.74 $50,000.00 2 $113,611.00 5649967 Carolyn Haug 4330 Fox Casper WY 82604 49.42 $75,000.00 2 $115,062.00 5649983 David Taggart 27710 Bridlewood Drive Castaic CA 91384 56.57 $127,100.00 2 $221,764.00 5649991 John Bilinski 374 Langley Rd Pittsgrove NJ 08318 48.57 $43,000.00 2 $137,500.00 5650015 David Pollard 10018 Crayton Drive Charlotte NC 28269 41.29 $35,000.00 2 $101,644.00 5650072 Greg Campbell 3744 East 190 North Rigby ID 83442 42.01 $65,100.00 2 $94,410.00 5650155 Melanie Fetterhoff 350 Texas Eastern Road Shermans Dale PA 17090 49.00 $35,000.00 2 $84,000.00 5650171 Richard Blaisdell 1 Corvella Street Leeds ME 04263 44.07 $67,000.00 2 $60,493.00 5650247 STEVEN UNDERHILL 15200 MAPLE CT Overland Park KS 66223 35.39 $76,500.00 2 $175,000.00 5650254 Justin Rhodes 22320 West Bowie Road Reardan WA 99029 52.49 $51,200.00 2 $121,030.00 5650296 Carrie Schlaupitz 7104 Sharon Road Fredericksburg VA 22407 46.13 $20,500.00 2 $127,398.00 5650338 James Aguilar 3405 Monterey ST Bakersfield CA 93306 45.46 $37,800.00 2 $50,500.00 5650353 Luigi Serio Jr. 3804 East 13th Street Vancouver WA 98661 47.70 $31,600.00 2 $109,166.00 5650510 Jodi Walters 2710 Secor Road Toledo OH 43606 43.04 $40,000.00 2 $98,655.00 5650536 Cathy Mandelbaum 6238 Vincent Avenue Richfield MN 55423 32.14 $30,700.00 2 $125,113.00 South 5650676 Stephen Russo 4043 Mill Pond Lane Fernandina FL 32034 44.25 $33,100.00 2 $131,207.00 Beach 5650700 Brian Leutert Route 2 Box 160A Qulin MO 63961 37.98 $41,100.00 2 $45,186.00 5650726 Ronald Rogers 4205 62nd Street Court Gig Harbor WA 98335 49.10 $85,000.00 2 $120,000.00 5650759 Michael Todd 7812 Solari Court Pasadena MD 21122 37.76 $34,000.00 2 $110,699.00 5650866 Don Whitaker 806 WESTOVER TERRACE GREENSBORO NC 27408 19.79 $20,000.00 2 $127,853.00 5650924 Brandon Spellman 9915 Sixth Street Bay City OR 97107 36.29 $47,200.00 2 $101,805.00 5650940 James Trupp 3690 Avocado Village La Mesa CA 91941 48.23 $83,000.00 2 $114,000.00 Court Unit 5650973 Larry Maybon 2432 Fleming Drive Loveland CO 80538 50.82 $67,000.00 2 $132,000.00 5650999 DAVID ERIKSON 20120 14th Ave South Seatac WA 98198 33.90 $41,000.00 2 $129,045.00 5651013 Bruce Hull 1483 Springfield Ave New Providence NJ 07974 42.91 $35,000.00 2 $248,967.00 5651021 Robert Kristufek 705 Fifth Street Beaver Falls PA 15010 26.70 $32,300.00 2 $115,627.00 5651146 Yohyon Pharr 2101 Loussac Drive Anchorage AK 99517 48.80 $85,000.00 2 $341,759.00 5651153 Mike Bandy 14509 Wheatstone Avenue Norwalk CA 90650 48.77 $34,700.00 2 $131,626.00 5651161 Kenton Bradford 95-270 Waikalani Drive Mililani HI 96789 46.63 $30,000.00 2 $152,118.00 K304 5651179 Stanley Lopez 5532 Northwest 59th Fort FL 33319 34.02 $38,000.00 2 $46,488.00 Lane Lauderdale 5651252 Brian Harper 201 NORTH 45TH STREET HARRISBURG PA 17111 37.93 $50,000.00 2 $86,315.00 5651260 Alfred Thompson 10823 Amherst Avenue F Silver Spring MD 20902 49.40 $39,800.00 2 $63,111.00 5651278 Gary Long 635 Suncrest Drive Springfield OH 45503 36.56 $50,000.00 2 $96,883.00 5651336 Mark Hansel 1112 Greensward Drive Tallahassee FL 32312 45.55 $49,800.00 2 $210,957.00 5651344 Karen 2955 Oxford Avenue Richmond CA 94806 29.98 $33,500.00 2 $121,810.00 Coleman-Harrison 5651351 Amobi Chukumerije 838 Bermuda Dunes Court Ontario CA 91761 29.80 $26,000.00 2 $202,071.00 5651377 Bobby Huckaby Jr. 235 Somerset Drive Warner Robins GA 31088 34.44 $30,000.00 2 $51,000.00 5651401 Mark McDowell 1115 Falcon Ridge Lane Palm Harbor FL 34683 38.04 $50,000.00 2 $110,000.00 5651419 Kenneth Taylor 1107 East Hart Avenue Opp AL 36467 35.08 $79,000.00 2 $110,000.00 5651435 Michael DeLosier 8665 South Crabapple Warren MI 48093 42.37 $19,800.00 2 $120,137.00 5651492 Richard Olson 722 Washington Street Lafayette OR 97127 45.64 $32,150.00 2 $86,291.00 5651500 James Henderson 613 Selma Avenue Selma AL 36701 39.77 $44,000.00 2 $62,512.00 5651526 James Baty 3704 Ron-Del Lane Mineral VA 23117 43.47 $35,000.00 2 $62,267.00 5651575 Victor Priego 6311 Mountain Branch Bethesda MD 20817 31.85 $85,000.00 2 $638,689.00 Court 5651583 JAMES RAWLINS 149 Kraft Drive Boone NC 28607 32.52 $33,500.00 2 $133,500.00 5651617 Joseph Simmons 5735 S. Jefferson Springfield MO 65810 41.17 $17,000.00 2 $77,725.00 5651625 George Isaacs 829 Sharp Court Elburn IL 60119 41.51 $125,000.00 2 $186,507.00 5651641 Michael Hindmarsh 1501 Rim View Drive Page AZ 86040 34.74 $51,000.00 2 $210,000.00 5651658 John Threlfall 9 Griffith Court Laytonsville MD 20882 31.25 $126,000.00 2 $222,274.00 5651674 Harlan Johnson 2436 Hartford Avenue Fullerton CA 92835 43.03 $50,800.00 2 $191,000.00 5651682 Shelby Jantzen 3412 Foreman Lane Louisville KY 40219 17.23 $22,600.00 2 $52,883.00 5651724 Harry Markham 979 Lakeview Road Grayson GA 30017 45.10 $87,000.00 2 $122,145.00 5651765 RICHARD CLAYTON 831 CHIPETA ROAD MONTROSE CO 81401 25.57 $17,000.00 2 $73,650.00 5651807 Sherry Harris 1452 Lemon Grove Drive Upland CA 91786 49.31 $81,000.00 2 $142,449.00 5651823 Benjamin Drose 310 Debord Lane Waleska GA 30183 43.47 $15,000.00 2 $65,000.00 5651831 Daphne Humphreys 18147 COASTLINE DRIVE MALIBU CA 90265 47.42 $81,000.00 2 $275,359.00 #8 5651880 Alfred Niccolai 4217 5th Ave Kenosha WI 53140 45.96 $63,900.00 2 $94,372.00 5651906 GAVIN SHAW 3314 COLONY DRIVE JAMESTOWN NC 27282 36.43 $28,600.00 2 $116,531.00 5651948 Terry Ballant 3524 Flowers Drive Montgomery AL 36109 43.74 $69,600.00 2 $78,330.00 5651955 Jackie Williams 23501 112th Avenue SE Kent WA 98031 47.16 $60,000.00 2 $147,250.00 #N105 5652011 Adam Schenker 1287 Kilbrannen Batavia OH 45103 40.94 $15,000.00 2 $178,061.00 5652060 Carlos Paz 15050 SW 178 Terrace Miami FL 33187 47.96 $29,300.00 2 $126,951.00 5652136 Jose Constancio 14619 Marwood Street Hacienda CA 91745 30.35 $48,000.00 2 $120,373.00 Heights 5652185 Sean Wood 7572 Monogram Drive Sacramento CA 95842 39.37 $42,000.00 2 $131,269.00 5652193 Wesley Mayes 113 Forest Lane La Vergne TN 37086 38.77 $29,500.00 2 $87,580.00 5652201 Johnny Gregory 613 Harvest Creek Road Bakersfield CA 93312 37.86 $57,000.00 2 $95,205.00 5652219 Anthony Jackson 1005 Clover Circle Picayune MS 39466 28.90 $37,500.00 2 $56,247.00 5652243 Audra Gordon 1067 Park Hill Circle Aurora IL 60504 30.32 $49,800.00 2 $154,498.00 5652250 Michael St. Clair 4174 Wheeler Street Riverside CA 92503 43.34 $37,700.00 2 $91,600.00 5652268 MICHAEL PICKETT 511 ROSEBUSH LANE OSWEGO IL 60543 41.70 $33,600.00 2 $191,360.00 5652284 Robert Bullard 27704 Camino Bella County Of CA 92585 48.21 $66,100.00 2 $112,664.00 Riverside 5652326 Sheryl Shane 873 Camelback Place Pleasant Hill CA 94523 43.13 $27,100.00 2 $103,129.00 5652383 James Mc Kinley 1010 Lochwood Place Escondido CA 92027 33.71 $25,000.00 2 $139,800.00 5652391 James Snider 9043 Crowley Way Elk Grove CA 95624 52.74 $50,000.00 2 $199,392.00 5652433 Ronald McDowell 903 58th Avenue Tacoma WA 98422 40.54 $60,000.00 2 $158,774.00 NorthEast 5652458 Jonathan Homeyer 8605 Maple Avenue Raytown MO 64138 32.21 $45,000.00 2 $70,955.00 5652474 David Machuga 8804 Ashcroft Drive Laurel MD 20708 46.02 $89,000.00 2 $160,720.00 5652490 Christopher Ayer 1115 Kerry Greens Drive Matthews NC 28104 43.05 $54,000.00 2 $134,288.00 5652508 Tamara Elton 1811 South Quebec Way Denver CO 80231 25.07 $20,500.00 2 $96,964.00 43 5652516 Richard Stauch 3250 Palo Verde Avenue Long Beach CA 90808 48.80 $15,000.00 2 $172,385.00 5652557 Daniel Zoellner 1564 Sunnyvale Avenue Walnut Creek CA 94596 32.72 $32,800.00 2 $93,455.00 #6 5652565 Gregory Teschner 23094 Greenwood Court Carrollton VA 23314 41.83 $20,000.00 2 $188,183.00 5652607 Edward Gates 2094 Crystal Downs Corona CA 92883 44.63 $37,800.00 2 $190,409.00 Drive 5652672 Cynthia Diaz 911 Caminito Estrella Chula Vista CA 91910 49.29 $41,700.00 2 $143,699.00 5652698 Robert Crall 1812 Middleborough Rd Baltimore MD 21221 42.24 $38,000.00 2 $124,415.00 5652714 James Wilson 3661 Oak Shadow Lane Montgomery AL 36116 52.37 $31,500.00 2 $90,510.00 5652730 Scott McCollum 7438 Countryside Drive Pinson AL 35126 36.08 $30,000.00 2 $108,368.00 5652771 Thomas Loyd 1209 19th Ave. S.W. Decatur AL 35601 34.13 $47,500.00 2 $88,008.00 5652862 Jesse Laver 147 Mill Point Drive Dallas GA 30157 28.41 $22,500.00 2 $110,190.00 5652870 William Brown 4813 Fiesta Lakes Las Vegas NV 89130 46.19 $31,400.00 2 $116,000.00 Street 5652912 Thomas Franek 5233 Golden Eagle PK Brighton CO 80601 46.23 $28,300.00 2 $144,184.00 5652920 Jody Shigetani 2211 178th Street SE Bothell WA 98012 47.39 $40,000.00 2 $118,906.34 5653001 Jesse Connors 8640 Castle Hill Avenue Las Vegas NV 89129 47.24 $34,200.00 2 $327,591.00 5653027 Linda Lane 18825 East Baseline Azusa CA 91702 43.50 $22,300.00 2 $139,487.00 Road 5653050 Monica Goss 4938 Chapel Hill Lane Sacramento CA 95842 36.73 $85,000.00 2 $149,936.00 5653092 Jeffery Jochim 404 Tuttle Drive Hastings MN 55033 23.10 $31,500.00 2 $132,761.00 5653159 David Blackburn 26 Harris Creek Road Hampton VA 23669 37.74 $72,500.00 2 $146,678.00 5653167 Frank D'angelo 64066 Doral Drive Desert Hot CA 92240 42.20 $60,800.00 2 $121,780.00 Springs 5653191 Umar Khan 8 Britton Court Lawrenceville NJ 8648 34.28 $43,000.00 2 $97,617.00 5653258 Kerry Roberts 7811 Old Litchfield Ellicott City MD 21043 45.82 $28,400.00 2 $139,899.00 Lane 5653266 Michael Fingerman 9357 Lakeview Road Lakeside CA 92040 41.54 $30,300.00 2 $167,372.00 5653308 Jeffrey Brady 2141 SW Biella Avenue Port Saint FL 34953 35.97 $42,000.00 2 $69,419.00 Lucie 5653324 Andrew Garland 265 Willow Forks Road Lexington SC 29073 42.95 $20,500.00 2 $122,412.00 5653340 Harold Burns, Jr. 108 Sandy Ridge Road Waynesboro VA 22980 44.72 $21,500.00 2 $71,000.00 5653357 Ronald Vaughn 810 Sugar Maple Lane Corona CA 92881 46.93 $106,000.00 2 $168,545.00 5653399 Priscilla Taylor 3070 Swallows Nest Sacramento CA 95833 22.20 $15,000.00 2 $97,400.00 Drive 5653415 Herbert Dempsie R2 Box 237 B O E Freedom PA 16637 42.20 $32,500.00 2 $66,720.00 5653423 Hamid Aslani 3824 Douglas Court Sioux City IA 51104 41.79 $40,700.00 2 $110,000.00 5653456 Alita Bruce 3320 Horse Shoe Circle Montgomery AL 36116 19.93 $17,800.00 2 $73,087.00 5653464 Ronald Jordan 3400 NORTH Tarpon Dr Lake Havasu AZ 86406 46.54 $47,000.00 2 $100,000.00 City 5653514 Howard Weber 1653 Valley Forge ROAD Allentown PA 18104 37.26 $85,000.00 2 $184,993.00 5653548 Matthew Perreault 1560 Trellis Lane Escondido CA 92026 33.41 $56,000.00 2 $179,455.00 5653571 Tommy Lisenby 2048 Polk Ford Road Stanfield NC 28163 45.20 $51,000.00 2 $95,634.00 5653597 Ralph Sisul 24611 Norelius Round Lake IL 60073 43.59 $44,000.00 2 $120,099.00 5661558 Suzanne Iamarino 172 Massillon Road Millersburg OH 44654 49.88 $51,000.00 2 $90,000.00 5661566 Jose Barajas 9461 Amsdell Avenue Whittier CA 90605 47.42 $26,500.00 2 $147,477.00 5661723 Cliff Cudish 1133 Bay Laurel Ct Las Vegas NV 89110 39.58 $37,400.00 2 $139,758.00 5661756 Vincent Green 526 West Gregory Street Pensacola FL 32501 40.13 $50,000.00 2 $37,229.00 5661772 Robert McBlain 1293 Catawissa Creek Zion Grove PA 17985 47.50 $67,200.00 2 $67,274.00 Road 5661863 Garry Knight 19741 Fernwood Plaza Yorba Linda CA 92886 38.26 $70,000.00 2 $252,134.00 5661889 Dean Van Nest 588 Covington Ridge Winston Salem NC 27107 44.09 $35,500.00 2 $95,188.00 Road 5661913 Wayne Takenaka 94-031 Mahau Place Mililani HI 96789 39.24 $61,500.00 2 $332,140.00 5661954 Tienho Chen 1448 South 9th Avenue Hacienda CA 91745 44.47 $50,000.00 2 $207,860.00 Heights 5661988 Werner Robles 3175 Starbright Court Middleburg FL 32068 48.02 $85,000.00 2 $125,976.00 5662002 Donald Poston 233 Bougainvillea Dothan AL 36301 38.33 $21,000.00 2 $86,042.00 Circle 5662010 Marilyn Tagocon 55 Jefferson Drive Piscataway NJ 08854 50.12 $15,000.00 2 $211,082.00 5662028 Kurt Scheuermann 10880 Longs Peck Lane Parker CO 80134 42.88 $60,000.00 2 $154,963.00 5662036 JAMES CHING 5231 Southern Oaks Grand Bay AL 36541 48.14 $42,400.00 2 $113,500.00 Trail 5662051 Thomas Burlew 6216 373rd Avenue Burlington WI 53105 35.50 $55,000.00 2 $200,693.00 5662119 Foluso Fayomi 13905 Royal Boulevard Garfield OH 44125 31.25 $36,800.00 2 $87,000.00 Heights 5662135 WILLIAM JOSLIN 17556 HOPKINS VILLE Princeton KY 42445 41.76 $61,300.00 2 $43,437.00 5662143 Kenneth Koehler 223 Clear Lake Drive Pensacola FL 32507 47.62 $85,000.00 2 $178,000.00 5662192 Frederick Ball 9410 Andrews Mill Lane Fredericksburg VA 22408 34.24 $36,500.00 2 $137,061.00 5662226 Beth Abbott 3517 Daisy Avenue Akron OH 44319 45.90 $40,000.00 2 $89,000.00 5662234 Kirk Frecks 244 N. Yates Ave. Minden NE 68959 29.07 $13,000.00 2 $22,809.00 5662242 Jeffery Buser RR 5 Box 575 Keyser WV 26726 38.15 $26,300.00 2 $151,688.00 5662283 James Roberts 4957 13th Street Greeley CO 80634 43.70 $81,500.00 2 $196,000.00 5662291 Duane Stansfield 4974 Perceptive Way Sacramento CA 95842 49.81 $30,000.00 2 $108,212.00 5662309 Mike Bettencourt 6190 Thornicroft Drive Valley Springs CA 95252 45.48 $30,300.00 2 $115,489.00 5662358 Betty Anderson 3511 Hollydale Drive Los Angeles CA 90039 39.25 $28,500.00 2 $207,000.00 5662366 David Spencer 301 Peachtree Street Headland AL 36345 41.63 $49,000.00 2 $66,372.00 5662408 SUSANN LANE 20529 30th Avenue Chippewa Falls WI 54729 46.15 $77,000.00 2 $91,673.00 5662416 Lloyd Burtlow 2329 South Meyer Street Nampa ID 83686 42.12 $51,000.00 2 $138,404.00 5662424 Royce Schultz 3921 Ridgeway Court Fort Collins CO 80526 36.54 $41,000.00 2 $205,418.00 5662473 David Robinson 1 FAR CORNERS MEWS SPARKS MD 21152 37.78 $78,000.00 2 $141,347.00 5662481 PAUL OCZEK 171 Londonderry Lane Getzville NY 14068 46.02 $35,000.00 2 $174,130.00 5662515 Frank Dotson 38902 Country Circle Farmington MI 48331 33.29 $50,000.00 2 $111,662.00 Bldg 16 5662523 Walter Parada 9217 Stephanie Street Riverside CA 92508 40.52 $21,000.00 2 $164,528.00 5662606 Mildred Lopez 18326 Ingomar Street Los Angeles CA 91335 50.00 $60,000.00 2 $198,731.00 5662630 Noel McBride 3106 West 71st Terrace Prairie KS 66208 18.26 $15,000.00 2 $135,800.00 Village 5662747 Gregory Dinkins 5805 Kitsap Way Bremerton WA 98312 31.36 $16,500.00 2 $100,611.00 5662762 Mohamad Zahzah 3171 Claremore Avenue Long Beach CA 90808 37.20 $83,500.00 2 $313,179.00 5662770 Daniel Addington 3507 N. Campbell Road Otis Orchards WA 99027 49.16 $101,000.00 2 $120,307.00 5662812 William Blades 1011 Parkwood Drive Grand Blanc MI 48439 48.47 $53,900.00 2 $112,000.00 5662820 Julie Gann 6720 County Highway 42 Hamilton AL 35570 43.85 $55,000.00 2 $76,876.00 5662846 David Richards 812 South Verde Vista Visalia CA 93277 29.45 $60,000.00 2 $86,806.00 5662911 Hal Klein RR3Box36 County Line Acme PA 15610 44.60 $41,500.00 2 $177,939.00 road 5662945 Dale Gagne 24 Greenwood Drive N Waterboro ME 04061 28.13 $25,000.00 2 $67,262.00 5662986 James Horton 6110 West 29th Place Wheat Ridge CO 80214 49.95 $116,000.00 2 $116,022.00 5663018 Greg Purvis Rt 1 1 Box 218 B Rural Retreat VA 24368 41.97 $29,400.00 2 $47,886.00 5663059 Danial Raffety 820 South Weaver Street Olathe KS 66061 40.51 $52,000.00 2 $59,695.00 5663083 David Brown 605 North Alabama Brazil IN 47834 46.25 $25,900.00 2 $63,944.00 Street 5663117 Mike Gray Thomasville, Route 3 Birch Tree MO 65438 33.62 $31,000.00 2 $44,023.00 Box 106A 5663208 Susan Allen 25761 Le Parc #94 Lake Forest CA 92630 45.34 $17,400.00 2 $110,218.00 5663232 Todd Gardner 12302 NW 19th Street Plantation FL 33323 36.87 $150,000.00 2 $155,852.00 5663380 Myron Douglas 2952 Sue Mack Drive Columbus GA 31906 37.40 $40,000.00 2 $109,000.00 5663422 Daryl Hubbard 9806 NW Shaggy Bark Kansas City MO 64152 48.27 $58,000.00 2 $59,845.00 Lane 5663448 Myrtle Jones 17138 La Vesu Road Fontana CA 92337 48.17 $40,000.00 2 $182,055.00 5663455 Joseph Lindsay 8472 East Tioga Way Anaheim CA 92808 49.37 $40,000.00 2 $167,180.00 5663471 Ledale Kavanaugh 11451 South Carlisle Terre Haute IN 47802 49.42 $50,000.00 2 $100,294.67 Street 5663505 Mitchell Cheselka 746 SE Shelton Street Dallas OR 97338 41.54 $31,200.00 2 $159,299.00 5663588 Jeffrey McCrary 2350 Roberts Lane Florence AL 35630 32.56 $21,000.00 2 $93,985.00 5663612 Timothy Lightcap 3083 Saint Luke Road Woodstock VA 22664 28.08 $35,000.00 2 $99,568.00 5663703 Nyles Hardyman 1801 Meadow drive Champaign IL 61821 39.59 $16,200.00 2 $66,814.00 5663786 Sherman Hunter 620 Logan Avenue Elgin IL 60120 28.54 $30,000.00 2 $109,217.00 5663802 Robert Winchell 77 Buck Road Linden VA 22642 36.96 $42,500.00 2 $102,212.00 5663828 John Hannaway, Jr. 2068 West Market Street Pottsville PA 17901 35.65 $32,500.00 2 $53,367.00 5663836 Ronald Podewils 536 HIGH STREET PEWAUKEE WI 53072 43.42 $43,400.00 2 $134,068.00 5663851 Mark Berry 617 Americana Drive Grand Junction CO 81504 46.04 $31,400.00 2 $78,550.00 5663919 Kenneth Heller 3200 Casey Court Post Falls ID 83854 32.14 $15,000.00 2 $90,707.00 5663927 Edward Downs 1618 S. Woodland Drive Nampa ID 83686 16.07 $34,200.00 2 $89,332.00 5663968 Leonard Mick 9407 Magnolia Wood Claremore OK 74017 46.93 $34,600.00 2 $77,465.00 Drive 5664016 ASANDRA SMITH 199 NW 118TH DR POMPANO BEACH FL 33071 43.09 $34,500.00 2 $121,929.00 5664081 Daniel Hickman 21 Frederick Street Rincon GA 31326 49.48 $27,600.00 2 $95,212.00 5664131 Marcia Barnard 2117 Haviland Avenue Bronx NY 10472 28.17 $29,900.00 2 $211,000.00 5664180 David Rodriguez 743 Mahogany Lane Perris CA 92571 40.25 $40,000.00 2 $94,529.00 5664198 Richard Moore 6962 Meadowbrook Drive Clearlake CA 95422 44.00 $33,000.00 2 $60,000.00 5664214 Larry Kennedy 157 Lincoln Lane Cataula GA 31804 32.23 $43,600.00 2 $107,521.00 5664263 Moira Garcia 114 Countrywood Lane Encinitas CA 92024 34.56 $34,400.00 2 $153,031.00 5664370 Christopher Duberg 23103 Cayuga Hazel Park MI 48030 32.78 $17,000.00 2 $79,492.00 5664420 Paulette Simpson 2232 Allegiance Drive North Las NV 89032 35.97 $19,000.00 2 $100,011.00 Vegas 5664438 Parrish Blanding 2837 Eaton Street Kansas City KS 66103 28.40 $34,000.00 2 $34,500.00 5664453 Peter Lynch 98 High Meadow Road Guilford CT 6437 42.51 $80,000.00 2 $294,500.00 5664487 David Lehman 608 Pitt Street Leechburg PA 15656 53.29 $53,900.00 2 $77,056.00 5664503 Ronald Mosca 78 Grandview Avenue Dallas PA 18612 48.74 $85,000.00 2 $255,738.00 5664511 Patrick McCall 507 Upland ROAD Pikesville MD 21208 31.57 $20,000.00 2 $89,900.00 5664537 Ardith Lampshire 352 Castle Valley Moab UT 84532 47.15 $59,600.00 2 $34,759.00 Drive 5664552 Stephen Norton 340 Isthmus way 56 Oceanside CA 92054 30.16 $53,800.00 2 $87,193.00 5664560 Alan Garrett 104 Timberwood Court Easley SC 29640 47.43 $47,100.00 2 $161,526.00 5664586 Jeffrey Cooper 16454 156th Street SE Monroe WA 98272 46.51 $48,000.00 2 $187,506.00 5664602 Theresa Husted 104 Cedar Avenue Eatonville WA 98328 39.06 $50,000.00 2 $79,102.00 5664644 Kenneth Knowles 12541 Pepperwood Drive Garden Grove CA 92840 41.27 $40,000.00 2 $108,186.00 5664651 Lisa Sugrue 5906 Rinard Drive Centerville VA 20120 42.74 $35,000.00 2 $160,478.00 5664677 Lance Schoon 160 ARAPAHOE CARBONDALE CO 81623 35.61 $23,000.00 2 $196,895.00 5664685 Marion Barfield 5 Berkshire Drive Rome GA 30165 34.20 $53,000.00 2 $115,500.00 5664719 Thomas Rey 114 Parkwood Boulevard West Monroe LA 71292 49.30 $78,300.00 2 $99,013.00 5664743 Steven Wesselink 2653 Fairway Montrose CA 91020 30.53 $80,000.00 2 $206,579.00 5664750 Darrel Ford 1523 S RAITT STREET Santa Ana CA 92704 38.45 $20,000.00 2 $69,173.00 UNIT F 5664792 Earl Parson 85 Walnut Street Manchester NH 3104 37.33 $115,000.00 2 $148,515.00 5664800 Kevin Kreitzer 901 Iron Horse Court San Marcos CA 92069 48.17 $75,000.00 2 $184,317.00 5664875 Thomas Kennedy 3796 Robin Lane Valdosta GA 31605 37.81 $25,000.00 2 $85,000.00 5664982 Donald Peace 17 Covered Springs Rome GA 30165 32.66 $35,000.00 2 $82,557.00 Drive 5665013 Bich Tran 7212 Wyoming Street Westminster CA 92683 42.24 $74,000.00 2 $196,000.00 5665070 Douglas Shuntich 4100 Ocean Beach Cocoa Beach FL 32931 32.38 $38,000.00 2 $83,756.00 Boulevard 5665088 Mark Zahn 91 Oakwood Road Pittsburgh PA 15205 37.86 $41,000.00 2 $43,924.00 5665096 Kevin Mac Donald Rr5 Box 22a Montrose PA 18801 45.29 $47,500.00 2 $86,928.00 5665112 Christopher Grant 39323 Chalfont Lane Palmdale CA 93551 35.78 $36,000.00 2 $110,072.00 5665138 Jill Cook 1405 Normandie Dr Miami Beach FL 33141 42.10 $41,300.00 2 $155,000.00 5665146 James Swartz Jr. 820 Spruce Street Del Norte CO 81132 47.23 $28,000.00 2 $60,500.00 5665187 William Thomas 1101 Oakwood Lane Rosamond CA 93560 43.76 $27,000.00 2 $54,000.00 5665203 Carol 2540 College Lane La Verne CA 91750 40.06 $32,900.00 2 $142,657.00 Martinez-Saldivar 5665245 Edgar Salinas 25731 Oak Court Moreno Valley CA 92557 35.99 $40,000.00 2 $165,544.00 5665260 Keith Zeh 3004 15 Avenue South Moorhead MN 56560 42.62 $67,000.00 2 $82,384.00 5665302 John Johnson 2024 Clearwater Avenue Palmdale CA 93551 46.50 $39,100.00 2 $115,909.00 5665310 Jeffrey Longacre 4256 Vista Panorama Oceanside CA 92057 48.02 $34,500.00 2 $110,177.00 Way #193 5665336 Rodney Templeton 16195 Chisholm Valley Yukon OK 73099 35.20 $31,000.00 2 $156,652.00 Road 5665351 Terrance McGuire 14604 East Atlantic Aurora CO 80014 43.39 $28,300.00 2 $145,642.00 Drive 5665427 Charles Letzgus 6653 Condor Drive Riverside CA 92509 30.79 $64,500.00 2 $130,994.00 5665435 Kevin Edwards 4833 Snap Creek Lane Decatur GA 30035 45.42 $58,400.00 2 $148,552.00 5665468 Kimberly Romney 5590 Westfield Street Yorba Linda CA 92887 29.40 $30,000.00 2 $183,483.00 5665476 Gregory Griffin 12700 Live Oak Court Upper Marlboro MD 20772 30.85 $58,500.00 2 $122,802.00 5665492 Russell Brown 1956 Glassboro Avenue Claremont CA 91711 39.87 $85,000.00 2 $232,263.00 5665500 Clarence Courson 4211 Bridgewater Drive Phenix City AL 36867 21.18 $81,000.00 2 $89,453.00 5665518 Thomas Kingsley 1206 Veterans Avenue Stanton NE 68779 47.79 $40,000.00 2 $61,613.00 5665534 Keith Kesting 207 South Willow Street Norfolk NE 68701 34.95 $31,000.00 2 $93,221.00 5665542 Donald Budge 8434 McGroarty Street Sunland CA 91040 49.03 $68,000.00 2 $144,500.00 5665559 Christian Coddington 1303 Lindsey Lane Lebanon IN 46052 43.05 $23,000.00 2 $85,070.00 5665609 Mark Leopold 2080 New Haven Avenue Claremont CA 91711 38.18 $72,400.00 2 $232,366.00 5665617 Patrick Fanizzi 1318 North Crescent West Hollywood CA 90046 40.35 $50,000.00 2 $113,000.00 Heights Blvd 5665625 Julia Howelman 22377 Mission Circle Chatsworth CA 91311 37.42 $29,300.00 2 $183,923.00 5665666 Philip Walton 9518 Coachman Avenue Whittier CA 90605 40.69 $35,600.00 2 $167,818.00 5665690 Andrew Roberts 12 South Avenue Cortland NY 13045 45.66 $21,700.00 2 $60,677.00 5665740 L. Eledge 181 South Cross Creek Orange CA 92869 41.61 $65,000.00 2 $122,466.00 Road #F 5665765 Leland Potter 14185 Hopi Road Apple Valley CA 92307 46.71 $22,000.00 2 $126,000.00 5665799 Rosario Gambardella 214 White Bank Road King William VA 23086 42.76 $23,500.00 2 $108,388.00 5665815 ROBERT VIGIL 1357 NE BROWN DRIVE MADRAS OR 97741 27.52 $56,500.00 2 $85,000.00 5665823 Carole Kriste 3939 Virginia Road # Long Beach CA 90807 46.39 $27,000.00 2 $104,173.00 111 5665849 Richard Evans 19805 Westerly Drive Riverside CA 92508 48.26 $51,000.00 2 $137,343.00 5665880 Kyusung Jung 11771 Faye Avenue Garden Grove CA 92840 34.28 $50,000.00 2 $151,062.00 5665898 Michael Johnson 1507 Riverside Drive Akron OH 44310 28.87 $65,000.00 2 $62,123.00 5671177 Oliver Holmes 224 Torwood Drive Columbia SC 29203 47.77 $21,500.00 2 $48,573.00 5671201 SCOTT BORCHERDING 3071 SE Wake Road Port Saint FL 34984 42.01 $40,000.00 2 $61,690.00 Lucie 5671334 Mark Sweeney 5040 68TH STREET SAN DIEGO CA 92115 35.57 $41,600.00 2 $92,000.00 5671342 Laurence Lipska 3804 Acorn Court Simi Valley CA 93063 43.84 $75,000.00 2 $174,508.00 5671359 Darron Geer 9238 Ives Street Bellflower CA 90706 48.09 $85,000.00 2 $161,531.00 5671367 Donna Metz 55 Majorca Drive Rancho Mirage CA 92270 48.10 $50,000.00 2 $92,000.00 5671490 Stanford Angion 2413 Fernando Court Hinesville GA 31313 35.44 $33,900.00 2 $83,398.00 5671524 Jason Solberg 605 Partridge RR1 Box Glyndon MN 56547 45.68 $27,800.00 2 $88,397.00 7B 5671557 William Woods 44152 Heaton Avenue Lancaster CA 93534 20.25 $30,000.00 2 $69,679.00 5671631 Charles Carlson 17721 Norwalk Artesia CA 90701 37.98 $39,900.00 2 $139,039.00 Boulevard #56 5671656 Gregory Kortman 1294 Lakewood Drive Conyers GA 30013 38.59 $30,000.00 2 $87,924.00 5671680 NED MCCANN 1702 North Dogwood Blade LA 71342 44.61 $63,900.00 2 $97,000.00 Drive 5671706 Linda Makar 9302 Olive Street Bellflower CA 90706 47.16 $32,500.00 2 $116,300.00 5671714 August Lausberg 6424 Yvette Drive Hudson FL 34667 49.73 $54,000.00 2 $158,400.00 5671755 BRUCE MORTENSEN 321 W. 3rd Street OCONOMOWOC WI 53066 31.87 $30,000.00 2 $103,279.00 5671854 Gabriel Aguilar 320 Municipal Drive Sacramento CA 95838 42.20 $35,000.00 2 $98,167.00 5671870 Juline Wear 964 Bootman Drive Columbus OH 43228 40.58 $78,600.00 2 $78,606.00 5671896 Sharon Chance 597 South Hampton Road Columbus OH 43213 46.28 $52,000.00 2 $56,383.00 5671904 Ernest Garrett 515 Seminary Street Rockport IN 47635 37.06 $41,000.00 2 $51,751.00 5672001 Cynthia Miller 2133 Harrison Avenue Medford OR 97504 48.23 $41,600.00 2 $111,236.00 5672035 Melvin Buchanan 3000 Tourmaline Way Antelope CA 95843 49.04 $59,900.00 2 $117,278.00 5672050 Robert Porter 169 Melanie Lane Colchester CT 6415 35.85 $45,000.00 2 $175,327.00 5672134 James Jenia 45043 Corte Alegra Temecula CA 92592 38.77 $66,000.00 2 $120,591.00 5672159 Lawrence Shaw 1409 Guemes Court Springfield IL 62702 32.99 $50,000.00 2 $120,558.00 5672217 Stephen Whitney 15628 Oak Valley Road Ramona CA 92065 37.97 $52,800.00 2 $198,000.00 5672266 Nicholas Christian 872 Route 40 Melrose NY 12121 46.57 $56,000.00 2 $85,415.00 5672308 Shawn Badoyen 87130 Kulaaupuni Street Waianae HI 96792 39.11 $50,000.00 2 $145,567.00 5672316 Pamela Mathias 1055 West Woodside Haslett MI 48840 43.69 $30,000.00 2 $117,600.00 Drive 5672340 RONALD WERNER 5781 OLD SHERWOOD Commerce MI 48382 49.47 $85,000.00 2 $163,208.00 DRIVE Township 5672373 Lawrence Mykytiuk 710 South 5th Street Lafayette IN 47905 46.97 $42,000.00 2 $60,879.00 5672399 Suellen Ofe 506 Bellehurst Drive Montgomery AL 36109 41.82 $43,000.00 2 $98,165.00 5672407 Rudy Gonzales 340 West Patwood Drive La Habra CA 90631 49.37 $32,500.00 2 $207,140.00 5672431 Scott Nicol 400 Sturdy Road Unit Valparaiso IN 46383 42.58 $48,900.00 2 $73,299.00 3-B 5672449 MICHAEL BASS 16 DAVID RHODES ROAD Westbrookville NY 12785 33.32 $108,000.00 2 $68,642.00 5672464 Blanche Purnell 1545 Langford Road Baltimore MD 21207 39.15 $25,000.00 2 $86,960.00 5672480 Eric Arndt 740 West Blakely Road Sanford MI 48657 32.49 $46,000.00 2 $88,000.00 5672548 Darren Prince 7481 Route 55 Neversink NY 12765 46.72 $48,600.00 2 $75,548.00 5672597 Heather Wolf 227 Squaw Valley Olympic Valley CA 96146 45.85 $125,000.00 2 $281,250.00 5672621 Deanna Brummett 1242 Chelan Ln. Ventura CA 93004 46.72 $61,300.00 2 $139,159.00 5672647 Donald Frazier 661 Shinkle Street Georgetown OH 45121 48.70 $34,000.00 2 $95,382.37 5672662 Michael Vuong 3117 Adelia Avenue El Monte CA 91733 49.80 $38,700.00 2 $70,095.00 Unit 29 5672688 Lynn Joens 438 Dijon Court Tucson AZ 85748 42.63 $40,000.00 2 $187,400.00 5672704 Lewis Seay 204 Thornbury Ridge Easley SC 29640 34.51 $30,000.00 2 $91,957.00 5672738 David Schwartz 3140 Paxton Avenue Palmdale CA 93551 40.04 $26,000.00 2 $132,898.00 5672746 Shane Davis 3502 Raye Ann Drive Plant City FL 33567 45.18 $46,000.00 2 $86,000.00 5672761 Matthew Smigielski 2020 Westham Woods Virginia Beach VA 23454 36.35 $42,500.00 2 $80,600.00 Court 5672803 Jeremy Redmond 2326 South 10th Street Council Bluffs IA 51501 34.02 $32,300.00 2 $84,500.00 5672829 John Rice 2334 Canyon View Glen Escondido CA 92026 48.43 $33,000.00 2 $183,281.00 5672878 Roy Davis 1108 Cobra Circle Hinesville GA 31313 32.21 $26,000.00 2 $53,442.00 5672902 Brian Smith 305 NE Cedar Court Blue Springs MO 64014 43.92 $31,600.00 2 $119,804.00 5672936 Paul Morrison 901 Woodland Drive Rich Creek VA 24147 38.27 $31,500.00 2 $80,506.00 5672951 Andrew Staszkiewicz 11680 South Rene Ct. Olathe KS 66062 44.24 $47,800.00 2 $217,269.00 5672969 David Lauer 28746 Harwick Drive Highland CA 92346 37.97 $85,000.00 2 $198,326.84 5673223 Linda Maclean 632 South Ash Street Gardner KS 66030 42.60 $28,800.00 2 $93,501.00 5673249 Larry Nine 503 South Norris Street Prairie City IA 50228 30.84 $54,500.00 2 $79,371.00 5673264 Christiane Culhane 5722 East Stillwater Orange CA 92869 35.73 $25,000.00 2 $107,383.00 Avenue 20 5673314 Frances Aurience 2552 Dickens Drive Aurora IL 60504 41.29 $26,000.00 2 $123,000.00 5673330 Robert Decker 106 Gilbert Road Shippensburg PA 17257 37.21 $85,000.00 2 $96,707.00 5673348 Todd Roberts 7111 Chivington Drive Fort Wayne IN 46815 36.82 $25,500.00 2 $75,387.00 5673355 Dan O'rourke 41188 Essex Court Temecula CA 92591 33.16 $35,000.00 2 $181,000.00 5673405 Brian Brown 11444 Edmonson Avenue Moreno Valley CA 92555 47.23 $30,000.00 2 $134,185.00 5673462 John Hessbrook 5151 Mtp Hope Rd Carson City MI 48811 35.30 $20,000.00 2 $89,000.00 5673546 Chris Hayek 920 Yardley Place Brentwood CA 94513 43.18 $100,800.00 2 $203,900.00 5673553 Jackie Hartman 1805 Canfield Avenue Akron OH 44301 46.59 $50,500.00 2 $112,718.00 5673561 Mary Joe Kraber 301 South Adams Street Arlington VA 22204 50.00 $70,000.00 2 $269,000.00 5673611 Alfred Dicochea 1491 West Argyle Tucson AZ 85746 40.86 $81,600.00 2 $108,942.00 Avenue 5673678 Louis Fuselier 1614 Broken Branch Wesley Chapel FL 33543 37.99 $25,600.00 2 $177,401.00 Drive 5673694 John O'Malley 1054 Thomas Drive Soap Lake WA 98851 44.38 $30,000.00 2 $110,246.00 Northeast 5673702 Arnold Smalley 2247 NW 170th Avenue Pembroke Pines FL 33028 33.11 $26,000.00 2 $111,582.00 5673728 Alfred Moreno 5646 Magnolia Avenue Whittier CA 90601 47.63 $31,000.00 2 $185,225.00 5673744 Robin Morehouse 481 Triangle K Ranch Christmas OR 97641 47.69 $18,000.00 2 $65,571.00 Road Valley 5673850 Richard Joustra 1353 Jean Avenue Redlands CA 92374 36.79 $53,000.00 2 $132,504.00 5673900 Charles Nnolim 46724 Summit Terrace Sterling VA 20164 37.15 $85,000.00 2 $99,263.00 5673934 Otis Nelson 60 Holroyd Street Bridgeport CT 6606 42.10 $35,000.00 2 $102,691.00 5673967 John Parrett 19090 East Silver Hill Robertsdale AL 36567 47.18 $34,700.00 2 $58,826.00 Avenue 5674007 Alba Yoon 602 North Harvard Los Angeles CA 90004 43.08 $60,000.00 2 $157,293.00 Boulevard 5674031 Gladys Johnson 1100 Arden Street Longwood FL 32750 33.28 $50,000.00 2 $98,291.00 5674155 Timothy Mcdonald 49 Cherry Street Castle Rock WA 98611 31.53 $20,800.00 2 $79,172.00 5674221 Linda Cordova 13418 Jefferson Avenue Hawthorne CA 90250 49.97 $56,100.00 2 $103,722.00 5674304 Gregory Wurster 9718 Triana Place NW Albuquerque NM 87114 43.96 $36,000.00 2 $144,725.00 5674320 Warren Golden 561 Oak Brook Drive Martinez GA 30907 41.96 $41,800.00 2 $121,823.00 5674338 MITZIE MONTEVERDE 1637 East Merced Avenue West Covina CA 91791 54.67 $20,000.00 2 $218,874.00 5674429 Angelita Drew 922 Kaipii Street Kailua HI 96734 34.37 $35,000.00 2 $276,406.00 5674452 James Hosey 302 West Madison Yorkville IL 60560 37.18 $35,000.00 2 $128,458.00 5674478 Richard Dempsey 3440 3rd Street B East Moline IL 61244 32.98 $26,700.00 2 $74,460.00 5674502 Wilfred Calero 11266 Terra Vista Rancho CA 91730 43.01 $18,500.00 2 $124,800.00 Parkway 128 Cucamonga 5674585 Heidi Haller 1399 Yorkshire Lane Shakopee MN 55379 49.13 $50,500.00 2 $124,900.00 5674601 Alan Hammons 641 South College Claremont CA 91711 47.39 $52,900.00 2 $90,468.00 Avenue 5674627 CELESTE ALAMILLO 18149 VANOWEN STREET LOS ANGELES CA 91335 38.17 $38,000.00 2 $125,848.00 5674692 Karren Mitchell 41640 Porus Court Bermuda Dunes CA 92201 46.71 $36,000.00 2 $127,516.00 5674833 Richard Barker 42144 Quail Creek Drive Lancaster CA 93536 46.38 $40,000.00 2 $135,180.00 5674890 Howard Snowden HC79 Box 48 Hugo OK 74743 36.31 $30,000.00 2 $51,360.00 5674916 Carlos Brooks 1011 Little Calf Swoope VA 24479 29.25 $40,000.00 2 $19,000.00 Pasture Hwy. 5674965 James Draper 8349 Beach La Mar Blaine WA 98230 49.24 $21,600.00 2 $103,180.00 Drive 5675004 Steven Repsis 2862 Cypress View Court Kissimmee FL 34746 34.06 $34,250.00 2 $132,498.00 5675038 Timothy Attaya, Jr. 21 Elm Street Waterville ME 04901 41.61 $22,200.00 2 $104,500.00 5675053 Ricardo Rosales 704 Wigeon Way Suisun City CA 94585 48.20 $82,000.00 2 $110,247.00 5675061 Stephanie Gray 13601 Valerio Street Van Nuys CA 91405 39.66 $25,300.00 2 $84,779.00 Unit A 5675103 Mary Swain 412 Delaware Drive Westerville OH 43081 22.00 $85,000.00 2 $100,224.00 5675129 Mark Heard 11111 Adoree Street Norwalk CA 90650 32.50 $58,200.00 2 $171,306.00 5675152 Gary Harris 5511 Illinois Hwy 133 Redmon IL 61949 28.87 $65,000.00 2 $92,550.00 5675160 Vince Mccoy 2909 Shadow Creek Lane DES MOINES IA 50320 49.12 $60,000.00 2 $104,920.00 5675186 Todd Hower 9463 Litttle Rapids Way Elk Grove CA 95758 44.95 $22,000.00 2 $171,000.00 5675194 Kerby Sneed 7931 Carlton Street Norfolk VA 23518 45.08 $41,000.00 2 $73,316.00 5675202 Kenneth Scott 337 Clay Avenue Mars PA 16046 39.73 $20,000.00 2 $93,969.00 5675210 Dean Orton 1232 Stanford Road Bethlehem PA 18018 41.16 $22,000.00 2 $87,299.00 5675251 Mary Shyne 1735 West Summit Street Rialto CA 92377 36.55 $50,000.00 2 $141,500.00 5675277 Melanie Webb 9859 Continental Drive Huntington CA 92646 45.70 $32,000.00 2 $116,649.00 Beach 5675319 Kathryn Bernard 234 Alameda Drive Palm Springs FL 33461 40.81 $21,600.00 2 $65,550.00 5675327 Joseph Papez 612 Alliston Court Las Vegas NV 89118 48.28 $85,000.00 2 $210,911.00 5675343 Laurent Cardinaux 26482 Eldrige Avenue Hayward CA 94401 39.21 $88,000.00 2 $179,374.00 5675368 PILAR THOMAS 5513 North Traymore Covina CA 91722 40.68 $34,200.00 2 $133,000.00 Avenue 5675509 David Becker 4321 Rolling Hill Drive Tobaccoville NC 27050 35.80 $35,000.00 2 $40,343.00 5675525 Steven Gomboz 5316 Pleasant Lane Crestwood IL 60445 49.76 $80,800.00 2 $86,666.00 5675541 Anthony Arellano 1016 North Bromley La Puente CA 91746 43.20 $33,500.00 2 $172,964.00 Avenue 5675582 IDALIA GONZALEZ 16770 LACY STREET Victorville CA 92392 29.77 $23,000.00 2 $50,902.00 5675624 Edward Brown 4317 Edgefield Avenue Canton OH 44709 41.10 $30,000.00 2 $83,766.00 NW 5675657 David Quast 20982 Oakville Lake Forest CA 92630 42.50 $20,000.00 2 $160,954.00 5675798 Thomas Brewer 1102 Monte Sereno Drive Thousand Oaks CA 91360 49.63 $55,000.00 2 $186,000.00 5675822 Keith Veilleux 14409 North 35th Street Phoenix AZ 85032 37.09 $22,500.00 2 $77,660.00 5675830 Richard Yabuki 3760 S. Bear Street Santa Ana CA 92728 39.48 $83,300.00 2 $131,100.00 #147 5675855 Deborah Willis 9590 North Shaffer Winton CA 95388 36.38 $60,500.00 2 $118,260.00 Road 5675863 Coleman Pettway 2328 Beulah Ave SW Birmingham AL 35211 47.43 $72,000.00 2 $52,872.00 5675905 Patrick Warren 1506 Argonne Drive Albany GA 31707 49.29 $40,000.00 2 $90,986.00 5675921 Eliza Bailey 4226 Yates Road College Park GA 30337 46.68 $35,000.00 2 $83,338.00 5675954 Jody Sandoval 1007 Longview Drive Fort Lupton CO 80621 35.38 $35,000.00 2 $124,539.00 5675970 Michael Hill 3131 Jacqueline Lane Oceanside CA 92056 42.35 $44,100.00 2 $110,290.00 5676010 John Jimenez 861 Cameron Court Vacaville CA 95687 48.88 $39,000.00 2 $150,499.00 5676036 TERRENCE ATKINS 6425 Mandalay Drive Parma Heights OH 44130 34.21 $60,000.00 2 $117,059.00 5676044 Ely Chavez 2324 E. 68th Avenue Anchorage AK 99507 47.49 $60,000.00 2 $163,703.00 5676085 Kimberly Adams 1020 Nunnally Court Monroe GA 30655 39.67 $36,000.00 2 $114,563.00 5676093 John Stewart 146 W Oxford Street Pontotoc MS 38863 20.92 $28,700.00 1 $0.00 5676119 Mark Helms 1955 Flordawn Drive Florissant MO 63031 37.27 $45,500.00 2 $91,857.00 5676127 James Gocha 1128 Grouse Dr Redding CA 96003 39.38 $53,000.00 2 $83,634.00 5676143 Terry Gill 2511 2511 NW 53rd Fort FL 33309 46.31 $21,400.00 2 $84,956.00 Street Lauderdale 5676176 Richard Cunningham 2805 Barnhart Avenue Fort Wayne IN 46805 41.28 $18,900.00 2 $52,437.00 5676200 Gretchen Cover 171 Rose Drive Fullerton CA 92833 45.72 $56,000.00 2 $270,000.00 5676218 Donald Siegfriedt 2037 Vera Court Simi Valley CA 93063 46.96 $50,800.00 2 $147,510.00 5676234 Diana Sembritzki 309 Xanthus Avnue Absecon NJ 8201 46.37 $68,000.00 2 $104,000.00 5676309 Ronald Michaud 17 Pine Knoll Drive Berwick ME 03901 26.92 $27,000.00 2 $113,583.00 5676325 Michael Franks 8500 Catalpa Avenue California CA 93505 33.36 $51,400.00 2 $60,903.00 City 5676432 JANNA KONKE 3189 EAST VILLAGE VENICE FL 34293 39.21 $50,650.00 2 $86,827.00 DRIVE 5676440 Christina Kue 2710 Dacula Cove Circle Dacula GA 30019 40.43 $30,000.00 2 $102,133.00 5676465 JAMES WILCOX 110 SHERIDAN STREET PORTLAND ME 4101 31.82 $51,000.00 2 $58,290.00 5676499 Ruben Perez 15880 West Wind Cr Sunrise FL 33326 40.59 $28,200.00 2 $146,300.00 5676515 Charles Fisher 923 Shirley Manor Reisterstown MD 21136 31.03 $15,000.00 2 $113,523.00 5676523 NOELL JONES 1528 ELM ROAD CHATHAM VA 24531 36.37 $53,000.00 2 $126,500.00 5676531 Thomas Greene 908 Elder Road Newport News VA 23608 42.58 $34,100.00 2 $108,228.00 5676572 Martin Trask 4102 Ashbrook Lane Bloomington IN 47404 45.70 $41,900.00 2 $125,200.00 5676580 Richard Cannon 26037 Sugar Pine Drive Pioneer CA 95666 42.86 $66,000.00 2 $142,465.00 5676598 Gloria Ranzolin 62 Alondra Rancho Santa CA 92688 50.00 $40,200.00 2 $150,000.00 Margarita 5676747 Louis Sipes 14831 Brewester Lane Helendale CA 92342 27.08 $24,800.00 2 $97,610.00 5676762 James Taunton 10220 County Road Lanett AL 36863 44.90 $34,600.00 2 $95,677.00 5676804 Tedman Vance 168 Dockside Drive Jacksonville NC 28546 45.67 $25,000.00 2 $171,615.00 5676812 Brannon White 168 North Dean Road Farmerville LA 71241 38.45 $53,500.00 2 $61,025.00 5676861 Robert King 7410 Pomelo Drive Orlando FL 32819 32.12 $37,500.00 2 $63,925.00 5676887 David Behr 1901 Millwood Road Sumter SC 29150 37.06 $31,500.00 2 $45,600.00 5676895 Christopher Campbell 7260 Arcola Street Navarre FL 32566 49.01 $35,000.00 2 $140,746.00 5676952 Patrick Bentley 2654 Highlind Court Loganville GA 30052 43.74 $38,700.00 2 $146,212.00 5676986 Mark Turner 10074 Sand Crest Moreno Valley CA 92557 49.76 $50,800.00 2 $151,588.00 5676994 Dean Cooper 6109 East Calle Aurora Tucson AZ 85711 32.12 $78,800.00 2 $71,000.00 5677067 SHERYL CUMMINGS 2831 BELLWOOD STREET WICHITA KS 67205 46.81 $21,100.00 2 $99,499.00 5677109 Conrad Aubuchon 134 Sunrise Court Festus MO 63028 39.97 $43,000.00 2 $254,500.00 5677125 Margaret Funk 1407 South East Lacey WA 98503 36.50 $19,500.00 2 $95,744.00 Ruddell Road 5677133 Terence Weber 40559 171st Street East Lancaster CA 93535 43.41 $74,000.00 2 $58,287.00 5677190 Brent Johnson 341 Clearpointe Drive Vallejo CA 94591 38.53 $80,500.00 2 $167,588.00 5677216 Colin Darensburg 1348 Nye Street Las Vegas NV 89106 44.75 $31,000.00 2 $103,000.00 5677265 Robert Gonzales 7400 Arvada North East Albuquerque NM 87110 34.75 $75,000.00 2 $76,721.00 5677281 John Pottinger 28W.755 Lester Avenue West Chicago IL 60185 45.83 $90,000.00 2 $132,164.00 5677364 Robert Early 1627 West Via De Sahuarita AZ 85629 25.95 $36,600.00 2 $142,941.00 Chapala 5677372 Howard Garrison 33098 Victoria Brook Lake Elsinore CA 92530 32.96 $50,000.00 2 $109,130.00 Lane 5677380 David Lomako 5696 Wedgewood Canton MI 48187 51.26 $85,000.00 2 $151,824.00 5677414 Robert Hemmerly 111 Grove Lane Kathleen GA 31047 39.79 $26,000.00 2 $131,724.00 5677430 Carl Haugan 8316 Valleybreeze Las Vegas NV 89129 44.58 $77,000.00 2 $122,363.00 Avenue 5677448 Jane Steffens 4449 Raven Point High Ridge MO 63049 42.89 $85,000.00 2 $143,014.00 5677463 Kevin Foxwell 8081 Windy Sea Circle Huntington CA 92647 48.07 $40,000.00 2 $194,000.00 Beach 5677471 Deborah Barnard 250 PASEO SABANERO CAMARILLO CA 93012 44.00 $67,100.00 2 $163,426.00 5677489 Ward Royal 2211 Willtee Lane Richmond VA 23236 44.19 $66,000.00 2 $99,910.00 5677521 Michael Konesky 1426 Andover Court Evans GA 30809 44.98 $35,000.00 2 $169,742.00 5677539 Nanet Pyles 1741 Wade Road Pittsville VA 24139 46.16 $32,000.00 2 $59,668.00 5677570 Carol Dahlberg 8039 Westhill Road Valley Springs CA 95252 37.16 $63,000.00 2 $131,137.00 5677604 Eddie Montero 7845 Kayak Way Cummings GA 30040 48.23 $29,700.00 2 $135,050.00 5677620 Adele Benson 2072 North Apple Avenue Rialto CA 92377 42.04 $40,000.00 2 $124,000.00 5677653 Adam Edwards 369 David Hall Road Dover DE 19904 39.77 $15,000.00 2 $87,922.00 5677661 John Murray 608 South Park Drive Salisbury MD 21804 24.38 $38,000.00 2 $138,000.00 5677695 Amon Wooldridge 5224 West 70th Terrace Prairie KS 66208 28.90 $18,000.00 2 $107,047.00 Village 5677703 Mark Kissler 5836 Pecan Avenue Orangevale CA 95662 34.69 $15,000.00 2 $121,063.00 5677711 William Reyes 7365 Barbi Lane Rohnert Park CA 94928 43.87 $67,000.00 2 $150,000.00 5677729 Jack Mather 12766 Via Posada Way Victorville CA 92392 37.24 $21,400.00 2 $159,842.00 5677760 William Winston Jr 123 Timber Ridge Drive Brunswick GA 31525 42.25 $28,800.00 2 $94,327.00 5677786 Stephen Thibodeau 5 Oakmont Drive Old Orchard ME 4064 43.96 $86,000.00 2 $118,741.00 Beach 5677869 Brian Henderson 1212 Durham Drive Bowie MD 20721 44.42 $20,000.00 2 $216,272.00 5677877 Lisa Junell 3465 Joy Lane Shingle CA 95682 36.46 $37,900.00 2 $157,294.00 Springs 5677901 Beverly Cheek 1104 Hewitt Street Huntsville AL 35816 40.33 $28,100.00 2 $88,384.00 5677935 Shawn Silva 4171 Diamond Drive Diamond CA 95619 28.23 $30,000.00 2 $71,827.00 Springs 5677943 Charlene Sanders 2201 Braeburn Avenue Fullerton CA 92831 37.83 $53,000.00 2 $160,244.00 5677968 SCOTT BENTLEY 2201 BELAIRE Midland MI 48642 43.49 $44,500.00 2 $108,507.00 5678016 Michael Jones 3419 Henson Place Bryant AR 72022 31.79 $26,000.00 2 $57,500.00 5678057 Robert Featherly, Sr. 1439 Haverhill Drive New Port FL 34655 51.11 $99,000.00 2 $139,121.00 Richey 5678065 Michael Pettengill 463 Slocum Drive Folsom CA 95630 39.68 $25,000.00 2 $182,500.00 5678081 Harvey Friedman 2933 Parkwood Drive Silver Lake OH 44224 36.38 $85,000.00 2 $248,654.00 5678214 William Johnson 30 Peregrine Point Newton NJ 7860 28.85 $25,000.00 2 $96,200.00 5678230 Jerome Gorman 9306 Minna Drive Richmond VA 23233 44.48 $32,000.00 2 $113,772.00 5678263 Edwin Persons 215 Eastwood Drive Columbus MS 39702 37.51 $91,000.00 2 $60,009.00 5678271 Victor Buenaflor 638 Via Acalanes San Lorenzo CA 94580 37.11 $120,000.00 2 $130,000.00 5678305 James Glazier 3001 Pinedale Avenue Grandville MI 49418 46.60 $77,000.00 2 $140,710.00 S.W. 5678354 Jennifer Kelly 20112 Cove Circle Huntington CA 92646 36.55 $25,000.00 2 $238,967.00 Beach 5678370 Wayne Cherry 2334 Canyon Park Drive Diamond Bar CA 91765 28.80 $35,000.00 2 $123,000.00 5678420 Israel Gerlach III 2106 Temple Avenue Lancaster PA 17603 37.04 $40,000.00 2 $104,300.00 5678438 John Baca, Jr 2557 South Dover Way Lakewood CO 80227 24.74 $40,000.00 2 $163,576.00 5678529 Paul Ritchie 5220 Rimpark Lane San Diego CA 92124 47.61 $100,000.00 2 $183,085.00 5678537 Jaime Sanchez 12318 Corby Avenue Norwalk CA 90650 45.83 $45,000.00 2 $141,940.00 5678552 Sam Wong 5311 Port Sailwood Newark CA 94560 39.14 $50,800.00 2 $231,192.00 Drive 5682406 Pedro Pacheco 1802 SW 163rd Avenue Miramar FL 33027 43.08 $93,600.00 2 $165,829.00
A-1 EXHIBIT B LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PREMISES: That The Bank of New York, as indenture trustee (the "Indenture Trustee"), under the indenture dated as of March 30, 2000 (the "Indenture"), between GMACM Home Loan Trust 2000-HLTV1, as issuer and the Indenture Trustee, a national banking association organized and existing under the laws of the State of New York, and having its principal office located at One Wall Street, New York, New York 10286, hath made, constituted and appointed, and does by these presents make, constitute and appoint GMAC Mortgage Corporation, a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, its true and lawful Attorney-in-Fact, with full power and authority to sign, execute, acknowledge, deliver, file for record, and record any instrument on its behalf and to perform such other act or acts as may be customarily and reasonably necessary and appropriate to effectuate the following enumerated transactions in respect of any of the Mortgages securing a Home Loan and the related Mortgage Notes for which the undersigned is acting as Indenture Trustee for various Securityholders (whether the undersigned is named therein as mortgagee or beneficiary or has become mortgagee by virtue of endorsement of such Mortgage Note secured by any such Mortgage) and for which GMAC Mortgage Corporation is acting as Servicer pursuant to a Servicing Agreement dated as of March 30, 2000 (the "Servicing Agreement"). This appointment shall apply to the following enumerated transactions only: 1. The modification or re-recording of a Mortgage, where said modification or re-recording is for the purpose of correcting the Mortgage to conform same to the original intent of the parties thereto or to correct title errors discovered after such title insurance was issued and said modification or re-recording, in either instance, does not adversely affect the Lien of the Mortgage as insured. 2. The subordination of the Lien of a Mortgage to an easement in favor of a public utility company or a government agency or unit with powers of eminent domain; this section shall include, without limitation, the execution of partial satisfactions/releases, partial reconveyances or the execution of requests to trustees to accomplish same. 3. With respect to a Mortgage, the foreclosure, the taking of a deed in lieu of foreclosure, or the completion of judicial or non-judicial foreclosure or termination, cancellation or rescission of any such foreclosure, including, without limitation, any and all of the following acts: a. The substitution of trustee(s) serving under a Mortgage, in accordance with state law and the Mortgage; b. Statements of breach or non-performance; c. Notices of default; B-1 d. Cancellations/rescissions of notices of default and/or notices of sale; e. The taking of a deed in lieu of foreclosure; and f. Such other documents and actions as may be necessary under the terms of the Mortgage or state law to expeditiously complete said transactions. 4. The conveyance of the properties to the mortgage insurer, or the closing of the title to the property to be acquired as real estate owned, or conveyance of title to real estate owned. 5. The completion of loan assumption agreements. 6. The full satisfaction/release of a Mortgage or full reconveyance upon payment and discharge of all sums secured thereby, including, without limitation, cancellation of the related Mortgage Note. 7. The assignment of any Mortgage and the related Mortgage Note, in connection with the repurchase of the Home Loan secured and evidenced thereby. 8. The full assignment of a Mortgage upon payment and discharge of all sums secured thereby in conjunction with the refinancing thereof, including, without limitation, the endorsement of the related Mortgage Note. 9. The modification or re-recording of a Mortgage, where said modification or re-recording is for the purpose of any modification pursuant to Section 3.01 of the Servicing Agreement. 10. The subordination of the Lien of a Mortgage, where said subordination is in connection with any modification pursuant to Section 3.01 of the Servicing Agreement, and the execution of partial satisfactions/releases in connection with such same Section 3.01. The undersigned gives said Attorney-in-Fact full power and authority to execute such instruments and to do and perform all and every act and thing necessary and proper to carry into effect the power or powers granted by or under this Limited Power of Attorney as fully as the undersigned might or could do, and hereby does ratify and confirm to all that said Attorney-in-Fact shall lawfully do or cause to be done by authority hereof. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the Indenture. B-2 Third parties without actual notice may rely upon the exercise of the power granted under this Limited Power of Attorney; and may be satisfied that this Limited Power of Attorney shall continue in full force and effect has not been revoked unless an instrument of revocation has been made in writing by the undersigned. THE BANK OF NEW YORK, not in its individual capacity but solely as Indenture Trustee By: -------------------------------- Name: Title: B-3 STATE OF ) SS. COUNTY OF ) On this [ ] day of March, 2000, before me the undersigned, Notary Public of said State, personally appeared _________________________________________, personally known to me to be duly authorized officers of The Bank of New York that executed the within instrument and personally known to me to be the persons who executed the within instrument on behalf of The Bank of New York therein named, and acknowledged to me such The Bank of New York executed the within instrument pursuant to its by-laws. WITNESS my hand and official seal. Notary Public in and for the State of________________________________ After recording, please mail to: Attn:___________________________ B-4 EXHIBIT C FORM OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with your administration of the Home Loans, we request the release of the Mortgage File described below. Servicing Agreement Dated: Series #: Account #: Pool #: Loan #: Borrower Name(s): Reason for Document Request: (circle one) Home Loan Prepaid in Full Home Loan Repurchased "We hereby certify that all amounts received or to be received in connection with such payments which are required to be deposited have been or will be so deposited as provided in the Servicing Agreement." - ------------------------------- GMAC Mortgage Corporation Authorized Signature ****************************************************************************** TO CUSTODIAN: Please acknowledge this request, and check off documents being enclosed with a copy of this form. You should retain this form for your files in accordance with the terms of the Servicing Agreement. Enclosed Documents: [ ] Mortgage Note [ ] Mortgage or Deed of Trust [ ] Assignment(s) of Mortgage or Deed of Trust [ ] Title Insurance Policy [ ] Other:____________________________________ Name________________________ Title_______________________ Date________________________ C-1 TABLE OF CONTENTS Page ARTICLE I Definitions..........................................2 Section 1.01 Definitions....................................2 Section 1.02 Other Definitional Provisions..................2 Section 1.03 Interest Calculations..........................3 ARTICLE II Representations and Warranties.......................4 Section 2.01 Representations and Warranties Regarding the Servicer...................................4 * Section 2.02 Representations and Warranties of the Issuer.........................................5 Section 2.03 Enforcement of Representations and Warranties.....................................5 ARTICLE III Administration and Servicing of Home Loans...........7 Section 3.01 The Servicer...................................7 Section 3.02 Collection of Certain Home Loan Payments.......9 Section 3.03 Withdrawals from the Custodial Account........12 Section 3.04 Maintenance of Hazard Insurance; Property Protection Expenses...........................13 Section 3.05 Modification Agreements; Release or Substitution of Lien..........................14 Section 3.06 Trust Estate; Related Documents...............16 Section 3.07 Realization Upon Defaulted Home Loans; Loss Mitigation...............................17 Section 3.08 Issuer and Indenture Trustee to Cooperate.....18 Section 3.09 Servicing Compensation; Payment of Certain Expenses by Servicer..........................19 Section 3.10 Annual Statement as to Compliance.............19 Section 3.11 Annual Servicing Report.......................20 Section 3.12 Access to Certain Documentation and Information Regarding the Home Loans..........20 Section 3.13 Maintenance of Certain Servicing Insurance Policies......................................20 Section 3.14 Information Required by the Internal Revenue Service and Reports of Foreclosures and Abandonments of Mortgaged Property........20 Section 3.15 Optional Repurchase or Transfer of Home Loans.........................................21 Section 3.16 Recording of Assignments......................22 Section 3.17 Pre-Funding Account...........................22 Section 3.18 Capitalized Interest Account..................23 i TABLE OF CONTENTS (continued) Page ARTICLE IV Servicing Certificate...............................25 Section 4.01 Statements to Securityholders.................25 Section 4.02 Tax Returns and 1934 Act Reports..............27 ARTICLE V Note Payment Account................................29 Section 5.01 Note Payment Account..........................29 ARTICLE VI The Servicer........................................30 Section 6.01 Liability of the Servicer.....................30 Section 6.02 Merger or Consolidation of, or Assumption of the Obligations of, the Servicer...........30 Section 6.03 Limitation on Liability of the Servicer and Others....................................30 Section 6.04 Servicer Not to Resign........................31 Section 6.05 Delegation of Duties..........................31 Section 6.06 Payment of Indenture Truste's and Owner Trustee's Fees and Expenses; Indemnification..32 ARTICLE VII Default.............................................34 Section 7.01 Servicing Default.............................34 Section 7.02 Indenture Trustee to Act; Appointment of Successor.....................................36 Section 7.03 Notification to Securityholders...............37 ARTICLE VIII Miscellaneous Provisions............................38 Section 8.01 Amendment.....................................38 Section 8.02 GOVERNING LAW.................................38 Section 8.03 Notices.......................................38 Section 8.04 Severability of Provisions....................38 Section 8.05 Third-Party Beneficiaries.....................39 Section 8.06 Counterparts..................................39 Section 8.07 Effect of Headings and Table of Contents......39 Section 8.08 Termination Upon Purchase by the Servicer or Liquidation of All Home Loans; Partial Redemption....................................39 Section 8.09 Certain Matters Affecting the Indenture Trustee.......................................40 ii TABLE OF CONTENTS (continued) Page Section 8.10 Owner Trustee Not Liable for Related Documents...................................40 iii EXHIBIT A - MORTGAGE LOAN SCHEDULE A-1 EXHIBIT B - LIMITED POWER OF ATTORNEY B-1 EXHIBIT C - FORM OF REQUEST FOR RELEASE C-1 iv EX-2 3 TRUST AGREEMENT EXHIBIT 4.2 EXECUTION COPY =================================================================== RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as Depositor and WILMINGTON TRUST COMPANY as Owner Trustee ---------------------------------------- TRUST AGREEMENT Dated as of March 30, 2000 ---------------------------------------- GMACM HOME LOAN TRUST 2000-HLTV1 GMACM Home Loan-Backed Certificates, Series 2000-HLTV1 =================================================================== TABLE OF CONTENTS PAGE ARTICLE I Definitions..........................................1 Section 1.01.Definitions....................................1 Section 1.02.Other Definitional Provisions..................1 ARTICLE II Organization.........................................3 Section 2.01.Name...........................................3 Section 2.02.Office.........................................3 Section 2.03.Purposes and Powers............................3 Section 2.04.Appointment of Owner Trustee...................3 Section 2.05.Initial Capital Contribution of Trust Estate.........................................4 Section 2.06.Declaration of Trust...........................4 Section 2.07.Title to Trust Property........................4 Section 2.08.Situs of Trust.................................4 Section 2.09.Representations and Warranties of the Depositor......................................5 Section 2.10.Payment of Trust Fees..........................5 ARTICLE III Conveyance of the Home Loans; Certificates...........6 Section 3.01.Conveyance of the Home Loans...................6 Section 3.02.Initial Ownership..............................6 Section 3.03.Issuance of Certificates.......................6 Section 3.04.Authentication of Certificates.................6 Section 3.05.Registration of and Limitations on Transfer and Exchange of Certificates..........7 Section 3.06.Mutilated, Destroyed, Lost or Stolen Certificates...................................9 Section 3.07.Persons Deemed Certificateholders.............10 Section 3.08.Access to List of Certificateholders' Names and Addresses...........................10 Section 3.09.Maintenance of Office or Agency...............10 Section 3.10.Certificate Paying Agent......................11 Section 3.11.Cooperation...................................12 Section 3.12.Subordination.................................12 Section 3.13.No Priority Among Certificates................12 ARTICLE IV Authority and Duties of Owner Trustee...............13 Section 4.01.General Authority.............................13 Section 4.02.General Duties................................13 i TABLE OF CONTENTS (CONTINUED) PAGE Section 4.03.Action upon Instruction.......................13 Section 4.04. No Duties Except as Specified under Specified Documents or in Instructions.......14 Section 4.05.Restrictions..................................14 Section 4.06. Prior Notice to Certificateholders and the Credit Enhancer with Respect to Certain Matters......................................14 Section 4.07.Action by Certificateholders with Respect to Certain Matters............................15 Section 4.08.Action by Certificateholders with Respect to Bankruptcy.................................15 Section 4.09.Restrictions on Certificateholders' Power.....15 Section 4.10.Majority Control..............................15 Section 4.11.Doing Business in Other Jurisdictions..........16 Section 4.12 Removal of Home Loans.........................16 ARTICLE V Application of Trust Funds..........................17 Section 5.01.Distributions.................................17 Section 5.02.Method of Payment.............................17 Section 5.03.Signature on Returns..........................17 Section 5.04.Statements to Certificateholders..............18 Section 5.05.Tax Reporting.................................18 ARTICLE VI Concerning the Owner Trustee........................19 Section 6.01.Acceptance of Trusts and Duties...............19 Section 6.02.Furnishing of Documents.......................20 Section 6.03.Representations and Warranties................20 Section 6.04.Reliance; Advice of Counsel...................21 Section 6.05.Not Acting in Individual Capacity.............21 Section 6.06.Owner Trustee Not Liable for Certificates or Related Documents..........................21 Section 6.07.Owner Trustee May Own Certificates and Notes.........................................22 ARTICLE VII Compensation of Owner Trustee.......................23 Section 7.01.Owner Trustee's Fees and Expenses.............23 Section 7.02.Indemnification...............................23 ARTICLE VIII Termination of Trust Agreement......................25 Section 8.01.Termination of Trust Agreement................25 ii TABLE OF CONTENTS (CONTINUED) PAGE ARTICLE IX Successor Owner Trustees and Additional Owner Trustees............................................27 Section 9.01.Eligibility Requirements for Owner Trustee....27 Section 9.02.Replacement of Owner Trustee..................27 Section 9.03.Successor Owner Trustee.......................28 Section 9.04.Merger or Consolidation of Owner Trustee......28 Section 9.05.Appointment of Co-Trustee or Separate Trustee.......................................28 ARTICLE X Miscellaneous.......................................30 Section 10.01.Amendments...................................30 Section 10.02.No Legal Title to Trust Estate...............31 Section 10.03.Limitations on Rights of Others..............31 Section 10.04.Notices......................................31 Section 10.05.Severability.................................32 Section 10.06.Separate Counterparts........................32 Section 10.07.Successors and Assigns.......................32 Section 10.08.No Petition..................................32 Section 10.09.No Recourse..................................33 Section 10.10.Headings.....................................33 Section 10.11.GOVERNING LAW................................33 Section 10.12.Integration..................................33 Section 10.13.Rights of Credit Enhancer to Exercise Rights of Certificateholders.................33 iii TABLE OF CONTENTS PAGE EXHIBITS Exhibit A - Form of Certificate.................................A-1 Exhibit B - Certificate of Trust................................B-1 Exhibit C - Form of 144A Investment Representation..............C-1 Exhibit D - Form of Investor Representation Letter..............D-1 Exhibit E - Form of Transferor Representation Letter............E-1 Exhibit F - Form of Certificate of Non-Foreign Status...........F-1 Exhibit G - Form of ERISA Representation Letter.................G-1 Exhibit H - Form of Representation Letter.......................H-1 iv This trust agreement, dated as of March 30, 2000 (as amended from time to time, the "Trust Agreement"), is between Residential Asset Mortgage Products, Inc., a Delaware corporation, as depositor (the "Depositor"), and Wilmington Trust Company, a Delaware banking corporation, as owner trustee (the "Owner Trustee"). WITNESSETH: WHEREAS, the Depositor and the Owner Trustee desire to form a Delaware business trust; NOW, THEREFORE, In consideration of the mutual agreements herein contained, the Depositor and the Owner Trustee agree as follows: ARTICLE I Definitions Section 1.01. DEFINITIONS. For all purposes of this Trust Agreement, except as otherwise expressly provided herein or unless the context otherwise requires, capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the indenture dated as of March 30, 2000 (the "Indenture"), between GMACM Home Loan Trust 2000-HLTV1, as Issuer, and The Bank of New York, as Indenture Trustee. All other capitalized terms used herein shall have the meanings specified herein. Section 1.02. OTHER DEFINITIONAL PROVISIONS. (a) All terms defined in this Trust Agreement shall have the defined meanings when used in any certificate or other document made or delivered pursuant hereto unless otherwise defined therein. (b) As used in this Trust Agreement and in any certificate or other document made or delivered pursuant hereto or thereto, accounting terms not defined in this Trust Agreement or in any such certificate or other document, and accounting terms partly defined in this Trust Agreement or in any such certificate or other document to the extent not defined, shall have the respective meanings given to them under generally accepted accounting principles. To the extent that the definitions of accounting terms in this Trust Agreement or in any such certificate or other document are inconsistent with the meanings of such terms under generally accepted accounting principles, the definitions contained in this Trust Agreement or in any such certificate or other document shall control. (c) The words "hereof," "herein," "hereunder" and words of similar import when used in this Trust Agreement shall refer to this Trust Agreement as a whole and not to any particular provision of this Trust Agreement; Section and Exhibit references contained in this Trust Agreement are references to Sections and Exhibits in or to this Trust Agreement unless otherwise specified; the term "including" shall mean "including without limitation"; "or" shall include "and/or"; and the term "proceeds" shall have the meaning ascribed thereto in the UCC. (d) The definitions contained in this Trust Agreement are applicable to the singular as well as the plural forms of such terms and to the masculine as well as to the feminine and neuter genders of such terms. (e) Any agreement, instrument or statute defined or referred to herein or in any instrument or certificate delivered in connection herewith means such agreement, instrument or statute as from time to time amended, modified or supplemented and includes (in the case of agreements or instruments) references to all attachments thereto and instruments incorporated therein; references to a Person are also to its permitted successors and assigns. 2 ARTICLE II Organization Section 2.01. NAME. The trust created hereby shall be known as "GMACM Home Loan Trust 2000-HLTV1," in which name the Owner Trustee may conduct the business of the Trust, make and execute contracts and other instruments on behalf of the Trust and sue and be sued. Section 2.02. OFFICE. The office of the Trust shall be in care of the Owner Trustee at the Corporate Trust Office or at such other address in Delaware as the Owner Trustee may designate by written notice to the Certificateholders and the Depositor. Section 2.03. PURPOSES AND POWERS. The purpose of the Trust is to engage in the following activities: (i) to issue the Notes pursuant to the Indenture and the Certificates pursuant to this Trust Agreement and to sell the Notes and the Certificates; (ii) to purchase the Home Loans and to pay the organizational, start-up and transactional expenses of the Trust; (iii) to assign, grant, transfer, pledge and convey the Home Loans pursuant to the Indenture and to hold, manage and distribute to the Certificateholders pursuant to Section 5.01 any portion of the Home Loans released from the Lien of, and remitted to the Trust pursuant to, the Indenture; (iv) to enter into and perform its obligations under the Basic Documents to which it is to be a party; (v) to engage in those activities, including entering into agreements, that are necessary, suitable or convenient to accomplish the foregoing or are incidental thereto or connected therewith, including, without limitation, to accept additional contributions of equity that are not subject to the Lien of the Indenture; and (vi) subject to compliance with the Basic Documents, to engage in such other activities as may be required in connection with conservation of the Trust Estate and the making of distributions to the Securityholders. The Trust is hereby authorized to engage in the foregoing activities. The Trust shall not engage in any activity other than in connection with the foregoing or other than as required or authorized by the terms of this Trust Agreement or the other Basic Documents while any Note is outstanding without the consent of the Certificateholders of Certificates evidencing a majority of the aggregate Certificate Percentage Interest of the Certificates and the Indenture Trustee. Section 2.04. APPOINTMENT OF OWNER TRUSTEE. The Depositor hereby appoints the Owner Trustee as trustee of the Trust effective as of the date hereof, to have all the rights, powers and duties set forth herein. 3 Section 2.05. INITIAL CAPITAL CONTRIBUTION OF TRUST ESTATE. In consideration of the delivery by the Owner Trustee, on behalf of the Trust, of the Securities to the Depositor or its designee, upon the order of the Depositor, the Depositor, as of the Closing Date and concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey to the Trust, without recourse, but subject to the other terms and provisions of this Trust Agreement, all of the right, title and interest of the Depositor in and to the Trust Estate. The foregoing transfer, assignment, set over and conveyance does not, and is not intended to, result in a creation or an assumption by the Trust of any obligation of the Depositor or any other Person in connection with the Trust Estate or under any agreement or instrument relating thereto, except as specifically set forth herein. The Owner Trustee, on behalf of the Trust, acknowledges the conveyance to the Trust by the Depositor, as of the Closing Date, of the Trust Estate, including all right, title and interest of the Depositor in and to the Trust Estate. Concurrently with such conveyance and in exchange therefor, the Trust has pledged the Trust Estate to the Indenture Trustee and has executed the Certificates and the Notes and caused them to be duly authenticated and delivered. Section 2.06. DECLARATION OF TRUST. The Owner Trustee hereby declares that it shall hold the Trust Estate in trust upon and subject to the conditions set forth herein for the use and benefit of the Certificateholders, subject to the obligations of the Trust under the Basic Documents. It is the intention of the parties hereto that the Trust constitute a business trust under the Business Trust Statute and that this Trust Agreement constitute the governing instrument of such business trust. Effective as of the date hereof, the Owner Trustee shall have all rights, powers and duties set forth herein and in the Business Trust Statute with respect to accomplishing the purposes of the Trust. It is the intention of the parties hereto that, solely for federal, state and local income and franchise tax purposes, the Trust shall be treated as an entity wholly owned by the Depositor or an affiliate thereof, with the assets of the entity being the Trust Estate, and the Notes being debt of the entity and the provisions of this Trust Agreement shall be interpreted to further this intention. If more than one person owns the Certificates, then it is the intention of the parties hereto, that solely for federal, state and local income and franchise tax purposes the Trust shall be treated as a partnership, with the assets of the partnership being the Trust Estate, the partners of the partnership being the Certificateholders and the Notes being debt of the partnership and the provisions of this Trust Agreement shall be interpreted to further this intention. Neither the Depositor nor any Certificateholder shall have any personal liability for any liability or obligation of the Trust. Section 2.07. TITLE TO TRUST PROPERTY. Legal title to the Trust Estate shall be vested at all times in the Trust as a separate legal entity except where applicable law in any jurisdiction requires title to any part of the Trust Estate to be vested in a trustee or trustees, in which case title shall be deemed to be vested in the Owner Trustee, a co-trustee and/or a separate trustee, as the case may be. Section 2.08. SITUS OF TRUST. The Trust will be located and administered in the State of Delaware. All bank accounts maintained by the Owner Trustee on behalf of the Trust shall be located in the State of Delaware or the State of New York. The Trust shall not have any employees in any state other than Delaware; provided, however, that nothing herein shall restrict or prohibit the Owner Trustee from having employees within or without the State of Delaware or 4 taking actions outside the State of Delaware in order to comply with Section 2.03. Payments will be received by the Trust only in Delaware or New York, and payments will be made by the Trust only from Delaware or New York. The only office of the Trust will be at the Corporate Trust Office of the Owner Trustee in Delaware. Section 2.09. REPRESENTATIONS AND WARRANTIES OF THE DEPOSITOR. The Depositor hereby represents and warrants to the Owner Trustee that: (a) The Depositor is duly organized and validly existing as a corporation in good standing under the laws of the State of Delaware, with power and authority to own its properties and to conduct its business as such properties are currently owned and such business is at present conducted. (b) The Depositor is duly qualified to do business as a foreign corporation in good standing and has obtained all necessary licenses and approvals in all jurisdictions in which the ownership or lease of its property or the conduct of its business shall require such qualifications and in which the failure to so qualify would have a material adverse effect on the business, properties, assets or condition (financial or otherwise) of the Depositor and the ability of the Depositor to perform under this Trust Agreement. (c) The Depositor has the power and authority to execute and deliver this Trust Agreement and to carry out its terms; the Depositor has full power and authority to sell and assign the property to be sold and assigned to and deposited with the Trust as part of the Trust and the Depositor has duly authorized such sale and assignment and deposit to the Trust by all necessary corporate action; and the execution, delivery and performance of this Trust Agreement have been duly authorized by the Depositor by all necessary corporate action. (d) The consummation of the transactions contemplated by this Trust Agreement and the fulfillment of the terms hereof do not conflict with, result in any material breach of any of the terms and provisions of, or constitute (with or without notice or lapse of time) a material default under, the articles of incorporation or bylaws of the Depositor, or any material indenture, agreement or other instrument to which the Depositor is a party or by which it is bound; nor result in the creation or imposition of any Lien upon any of its properties pursuant to the terms of any such indenture, agreement or other instrument (other than pursuant to the Basic Documents); nor violate any law or, to the best of the Depositor's knowledge, any order, rule or regulation applicable to the Depositor of any court or of any federal or state regulatory body, administrative agency or other governmental instrumentality having jurisdiction over the Depositor or its properties. Section 2.10. PAYMENT OF TRUST FEES. The Owner Trustee shall pay the Trust's fees and expenses incurred with respect to the performance of the Trust's duties under the Indenture. 5 ARTICLE III Conveyance of the Home Loans; Certificates Section 3.01. CONVEYANCE OF THE HOME LOANS. The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, convey and assign to the Trust, on behalf of the Securityholders and the Credit Enhancer, without recourse, all its right, title and interest in and to the Initial Home Loans, including but not limited to any rights of the Depositor under the Purchase Agreement. The Depositor shall also provide the Indenture Trustee with the Policy. The parties hereto intend that, for non-tax purposes, the transaction set forth herein be a sale by the Depositor to the Trust of all of its right, title and interest in and to the Initial Home Loans. In the event that, for non-tax purposes, the transaction set forth herein is not deemed to be a sale, the Depositor hereby grants to the Trust a security interest in all of its right, title and interest in, to and under the Initial Home Loans, all distributions thereon and all proceeds thereof; and this Trust Agreement shall constitute a security agreement under applicable law. Section 3.02. INITIAL OWNERSHIP. Upon the formation of the Trust by the contribution by the Depositor pursuant to Section 2.05 and the conveyance of the Initial Home Loans pursuant to Section 3.01 and the issuance of the Certificates, the Seller shall be the sole Certificateholder. Section 3.03. ISSUANCE OF CERTIFICATES. The Certificates shall be issued in minimum denominations of a Percentage Interest of 10.0000% and integral multiples of 0.0001% in excess thereof. The Certificates shall be executed on behalf of the Trust by manual or facsimile signature of an authorized officer of the Owner Trustee and authenticated in the manner provided in Section 3.04. Certificates bearing the manual or facsimile signatures of individuals who were, at the time when such signatures shall have been affixed, authorized to sign on behalf of the Trust, shall be validly issued and entitled to the benefit of this Trust Agreement, notwithstanding that such individuals or any of them shall have ceased to be so authorized prior to the authentication and delivery of such Certificates or did not hold such offices at the date of authentication and delivery of such Certificates. A Person shall become a Certificateholder and shall be entitled to the rights and subject to the obligations of a Certificateholder hereunder upon such Person's acceptance of a Certificate duly registered in such Person's name, pursuant to Section 3.05. A transferee of a Certificate shall become a Certificateholder and shall be entitled to the rights and subject to the obligations of a Certificateholder hereunder upon such transferee's acceptance of a Certificate duly registered in such transferee's name pursuant to and upon satisfaction of the conditions set forth in Section 3.05. Section 3.04. AUTHENTICATION OF CERTIFICATES. Concurrently with the acquisition of the Initial Home Loans by the Trust, the Owner Trustee or the Certificate Paying Agent shall cause the Certificates in an initial Percentage Interest of 100.00% to be executed on behalf of the Trust, authenticated and delivered to or upon the written order of the Seller, signed by its chairman of the board, its president or any vice president, without further corporate action by the Seller, in authorized denominations. No Certificate shall entitle the Certificateholder thereof to any 6 benefit under this Trust Agreement or be valid for any purpose unless there shall appear on such Certificate a certificate of authentication substantially in the form set forth in Exhibit A hereto, executed by the Owner Trustee or the Certificate Paying Agent, by manual signature, and such authentication shall constitute conclusive evidence that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication. Section 3.05. REGISTRATION OF AND LIMITATIONS ON TRANSFER AND EXCHANGE OF CERTIFICATES. The Certificate Registrar shall keep or cause to be kept, at the office or agency maintained pursuant to Section 3.09, a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Certificate Registrar shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The Indenture Trustee shall be the initial Certificate Registrar. If the Certificate Registrar resigns or is removed, the Owner Trustee shall appoint a successor Certificate Registrar. Subject to satisfaction of the conditions set forth below, upon surrender for registration of transfer of any Certificate at the office or agency maintained pursuant to Section 3.09, the Owner Trustee shall execute, authenticate and deliver (or shall cause the Certificate Registrar as its authenticating agent to authenticate and deliver), in the name of the designated transferee or transferees, one or more new Certificates in authorized denominations of a like aggregate amount dated the date of authentication by the Owner Trustee or any authenticating agent. At the option of a Certificateholder, Certificates may be exchanged for other Certificates of authorized denominations of a like aggregate amount upon surrender of the Certificates to be exchanged at the office or agency maintained pursuant to Section 3.09. Every Certificate presented or surrendered for registration of transfer or exchange shall be accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Certificateholder or such Certificateholder's attorney duly authorized in writing. Each Certificate surrendered for registration of transfer or exchange shall be cancelled and subsequently disposed of by the Certificate Registrar in accordance with its customary practice. No service charge shall be made for any registration of transfer or exchange of Certificates, but the Owner Trustee or the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates. Except as described below, each Certificateholder shall establish its non-foreign status by submitting to the Certificate Paying Agent an IRS Form W-9 and the Certificate of Non-Foreign Status (in substantially the form attached hereto as Exhibit F). A Certificate may be transferred to a Certificateholder unable to establish its non-foreign status as described in the preceding paragraph only if such Certificateholder provides an Opinion of Counsel to the Depositor, the Certificate Registrar and the Credit Enhancer, which Opinion of Counsel shall not be an expense of the Trust, the Owner Trustee, the Certificate Registrar or the Depositor, satisfactory to the Depositor and the Credit Enhancer, that such transfer (1) will not affect the tax status of the Owner Trust and (2) will not adversely affect the interests of any 7 Securityholder or the Credit Enhancer, including, without limitation, as a result of the imposition of any United States federal withholding taxes on the Trust (except to the extent that such withholding taxes would be payable solely from amounts otherwise distributable to the Certificate of the prospective transferee). If such transfer occurs and such foreign Certificateholder becomes subject to such United States federal withholding taxes, any such taxes will be withheld by the Indenture Trustee at the direction of the Tax Matters Partner. Each Certificateholder unable to establish its non-foreign status shall submit to the Certificate Paying Agent a copy of its Form W-8 and shall resubmit such Form W-8 every three years. No transfer, sale, pledge or other disposition of a Certificate shall be made unless such transfer, sale, pledge or other disposition is exempt from the registration requirements of the Securities Act and any applicable state securities laws or is made in accordance with the Securities Act and such state laws. In the event of any such transfer, the Certificate Registrar or the Depositor shall prior to such transfer require the transferee to execute (A) either (i) (a) an investment letter in substantially the form attached hereto as Exhibit C (or in such form and substance reasonably satisfactory to the Certificate Registrar and the Depositor) which investment letters shall not be an expense of the Trust, the Owner Trustee, the Certificate Registrar, the Servicer or the Depositor and which investment letter states that, among other things, such transferee (a) is a "qualified institutional buyer" as defined under Rule 144A, acting for its own account or the accounts of other "qualified institutional buyers" as defined under Rule 144A, and (b) is aware that the proposed transferor intends to rely on the exemption from registration requirements under the Securities Act, provided by Rule 144A or (ii) (a) a written Opinion of Counsel acceptable to and in form and substance satisfactory to the Certificate Registrar and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the Securities Act and such state laws or is being made pursuant to the Securities Act and such state laws, which Opinion of Counsel shall not be an expense of the Trust, the Owner Trustee, the Certificate Registrar, the Servicer or the Depositor and (b) the transferee executes a representation letter, substantially in the form of Exhibit D hereto, and the transferor executes a representation letter, substantially in the form of Exhibit E hereto, each acceptable to and in form and substance satisfactory to the Certificate Registrar and the Depositor certifying the facts surrounding such transfer, which representation letters shall not be an expense of the Trust, the Owner Trustee, the Certificate Registrar, the Servicer or the Depositor and (B) the Certificate of Non-Foreign Status (in substantially the form attached hereto as Exhibit F) acceptable to and in form and substance reasonably satisfactory to the Certificate Registrar and the Depositor, which certificate shall not be an expense of the Trust, the Owner Trustee, the Certificate Registrar or the Depositor. If such Certificateholder is unable to provide a Certificate of Non-Foreign Status, such Certificateholder must provide an Opinion of Counsel as described in the preceding paragraph. The Certificateholder desiring to effect such transfer shall, and does hereby agree to, indemnify the Trust, the Owner Trustee, the Certificate Registrar, the Servicer and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. No transfer of Certificates or any interest therein shall be made to any employee benefit plan or certain other retirement plans and arrangements, including individual retirement accounts and annuities, Keogh plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that are subject to ERISA or Section 4975 of the Code (collectively, a "Plan"), any Person acting, directly or indirectly, on behalf of any such Plan or any Person acquiring such Certificates with "plan assets" of a Plan 8 within the meaning of the Department of Labor Regulations Section 2510.3-101 ("Plan Assets") unless the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer are provided with an Opinion of Counsel that establishes to the satisfaction of the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer that the purchase of Certificates is permissible under applicable law, will not constitute or result in any prohibited transaction under ERISA or Section 4975 of the Code and will not subject the Depositor, the Owner Trustee, the Certificate Registrar or the Servicer to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in this Trust Agreement, which Opinion of Counsel shall not be an expense of the Depositor, the Owner Trustee, the Certificate Registrar or the Servicer. In lieu of such Opinion of Counsel, a Plan, any Person acting, directly or indirectly, on behalf of any such Plan or any Person acquiring such Certificates with Plan Assets of a Plan may provide a certification in the form of Exhibit G to this Trust Agreement, which the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer may rely upon without further inquiry or investigation. Neither an Opinion of Counsel nor a certification will be required in connection with the initial transfer of any such Certificate by the Depositor to an Affiliate of the Depositor (in which case, the Depositor or any such Affiliate shall be deemed to have represented that such Affiliate is not a Plan or a Person investing Plan Assets of any Plan) and the Owner Trustee shall be entitled to conclusively rely upon a representation (which, upon the request of the Owner Trustee, shall be a written representation) from the Depositor of the status of such transferee as an Affiliate of the Depositor. In addition, no transfer of a Certificate shall be permitted, and no such transfer shall be registered by the Certificate Registrar or be effective hereunder, unless evidenced by an Opinion of Counsel addressed to the Certificate Registrar that establishes that such transfer or the registration of such transfer would not cause the Trust to be classified as a publicly traded partnership, by having more than 100 Certificateholders at any time during the taxable year of the Trust, an association taxable as a corporation, a corporation or a taxable mortgage pool for federal and relevant state income tax purposes, which Opinion of Counsel shall not be an expense of the Certificate Registrar and shall be an expense of the proposed transferee. No Opinion of Counsel will be required if such transfer is made to a nominee of an existing beneficial holder of a Certificate. In addition, no transfer, sale, assignment, pledge or other disposition of a Certificate shall be made unless the proposed transferee executes a representation letter substantially in the form of Exhibit H hereto, that (1) the transferee is acquiring such Certificate for its own behalf and is not acting as agent or custodian for any other Person or entity in connection with such acquisition and (2) if the transferee is a partnership, grantor trust or S corporation for federal income tax purposes, the Certificates acquired are not more than 50% of the assets of the partnership, grantor trust or S corporation. Section 3.06. MUTILATED, DESTROYED, LOST OR STOLEN Certificates. If (a) any mutilated Certificate shall be surrendered to the Certificate Registrar, or if the Certificate Registrar shall receive evidence to its satisfaction of the destruction, loss or theft of any Certificate and (b) there shall be delivered to the Certificate Registrar and the Owner Trustee such security or indemnity as may be required by them to save each of them and the Issuer from harm, then in the absence of notice to the Certificate Registrar or the Owner Trustee that such Certificate has been acquired 9 by a bona fide purchaser, the Owner Trustee on behalf of the Trust shall execute and the Owner Trustee or the Certificate Paying Agent, as the Trust's authenticating agent, shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor and denomination. In connection with the issuance of any new Certificate under this Section 3.06, the Owner Trustee or the Certificate Registrar may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection therewith. Any duplicate Certificate issued pursuant to this Section 3.06 shall constitute conclusive evidence of ownership in the Trust, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time. Section 3.07. PERSONS DEEMED CERTIFICATEHOLDERS. Prior to due presentation of a Certificate for registration of transfer, the Owner Trustee, the Certificate Registrar or any Certificate Paying Agent may treat the Person in whose name any Certificate is registered in the Certificate Register as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 5.02 and for all other purposes whatsoever, and none of the Trust, the Owner Trustee, the Certificate Registrar or any Paying Agent shall be bound by any notice to the contrary. Section 3.08. ACCESS TO LIST OF CERTIFICATEHOLDERS' NAMES AND ADDRESSES. The Certificate Registrar shall furnish or cause to be furnished to the Depositor or the Owner Trustee, within 15 days after receipt by the Certificate Registrar of a written request therefor from the Depositor or the Owner Trustee, a list, in such form as the Depositor or the Owner Trustee, as the case may be, may reasonably require, of the names and addresses of the Certificateholders as of the most recent Record Date. If three or more Certificateholders, or one or more Certificateholders evidencing not less than 25% of the Certificate Percentage Interest, apply in writing to the Owner Trustee or the Certificate Registrar, and such application states that the applicants desire to communicate with other Certificateholders, with respect to their rights under this Agreement or under the Certificates and such application is accompanied by a copy of the communication that such applicants propose to transmit, then the Owner Trustee shall, within five (5) Business Days after the receipt of such application, afford such applicants access during normal business hours to the current list of Certificateholders. Each Certificateholder, by receiving and holding a Certificate, shall be deemed to have agreed not to hold any of the Trust, the Depositor, the Certificate Registrar or the Owner Trustee accountable by reason of the disclosure of its name and address, regardless of the source from which such information was derived. Section 3.09. MAINTENANCE OF OFFICE OR AGENCY. The Owner Trustee, on behalf of the Trust, shall maintain in The City of New York an office or offices or agency or agencies where Certificates may be surrendered for registration of transfer or exchange and where notices and demands to or upon the Owner Trustee in respect of the Certificates and the Basic Documents may be served. The Owner Trustee initially designates the Corporate Trust Office of the Indenture Trustee (or such other office as the Indenture Trustee may specify to the Owner Trustee) as its office for such purposes. The Owner Trustee shall give prompt written notice to the Depositor, and the Certificateholders of any change in the location of the Certificate Register or any such office or agency. 10 Section 3.10. CERTIFICATE PAYING AGENT. (a) The Certificate Paying Agent shall make distributions to Certificateholders from the Distribution Account on behalf of the Trust in accordance with the provisions of the Certificates and Section 5.01 hereof from payments remitted to the Certificate Paying Agent by the Indenture Trustee pursuant to Section 3.05 of the Indenture. The Trust hereby appoints the Indenture Trustee as Certificate Paying Agent. The Certificate Paying Agent shall: (i) hold all sums held by it for the payment of amounts due with respect to the Certificates in trust for the benefit of the Persons entitled thereto until such sums shall be paid to such Persons or otherwise disposed of as herein provided; (ii) give the Owner Trustee notice of any default by the Trust of which it has actual knowledge in the making of any payment required to be made with respect to the Certificates; (iii) at any time during the continuance of any such default, upon the written request of the Owner Trustee, forthwith pay to the Owner Trustee on behalf of the Trust all sums so held in Trust by such Certificate Paying Agent; (iv) immediately resign as Certificate Paying Agent and forthwith pay to the Owner Trustee on behalf of the Trust all sums held by it in trust for the payment of Certificates if at any time it ceases to meet the standards required to be met by the Certificate Paying Agent at the time of its appointment; (v) comply with all requirements of the Code with respect to the withholding from any payments made by it on any Certificates of any applicable withholding taxes imposed thereon and with respect to any applicable reporting requirements in connection therewith; and (vi) deliver to the Owner Trustee a copy of the report to Certificateholders prepared with respect to each Payment Date by the Servicer pursuant to Section 4.01 of the Servicing Agreement. (b) The Trust may revoke such power and remove the Certificate Paying Agent if the Owner Trustee determines in its sole discretion that the Certificate Paying Agent shall have failed to perform its obligations under this Trust Agreement in any material respect. The Indenture Trustee shall be permitted to resign as Certificate Paying Agent upon 30 days' written notice to the Owner Trustee; provided the Indenture Trustee is also resigning as Paying Agent under the Indenture at such time. In the event that the Indenture Trustee shall no longer be the Certificate Paying Agent under this Trust Agreement and Paying Agent under the Indenture, the Owner Trustee shall appoint a successor to act as Certificate Paying Agent (which shall be a bank or trust company) and which shall also be the successor Paying Agent under the Indenture. The Owner Trustee shall cause such successor Certificate Paying Agent or any additional Certificate Paying Agent appointed by the Owner Trustee to execute and deliver to the Owner Trustee an instrument to the effect set forth in this Section 3.10 as it relates to the Certificate Paying Agent. The Certificate Paying Agent shall return all unclaimed funds to the Trust and upon removal of a Certificate Paying Agent such Certificate Paying Agent shall also return all 11 funds in its possession to the Trust. The provisions of Sections 6.01, 6.03, 6.04 and 7.01 shall apply to the Certificate Paying Agent to the extent applicable. Any reference in this Trust Agreement to the Certificate Paying Agent shall include any co-paying agent unless the context requires otherwise. (c) The Certificate Paying Agent shall establish and maintain with itself the Distribution Account in which the Certificate Paying Agent shall deposit, on the same day as it is received from the Indenture Trustee, each remittance received by the Certificate Paying Agent with respect to payments made pursuant to the Indenture. Pending any such distribution, funds deposited in the Distribution Account on a Payment Date and not distributed to the Certificateholders on such Payment Date shall be invested by the Certificate Paying Agent in Permitted Investments selected by the Servicer (or if no selection is made by the Servicer in Permitted Investments described in clause (v) of the definition thereof) maturing no later than the Business Day preceding the next succeeding Payment Date (except that any investment in the institution with which the Distribution Account is maintained may mature on such Payment Date and shall not be sold or disposed of prior to the maturity). All investment income earned in respect of funds on deposit in the Distribution Account shall be credited to the Distribution Account. The Certificate Paying Agent shall make all distributions on the Certificates as provided in Section 3.05 of the Indenture and Section 5.01(a) of this Trust Agreement from moneys on deposit in the Distribution Account. Section 3.11. COOPERATION. The Owner Trustee shall cooperate in all respects with any reasonable request by the Credit Enhancer for action to preserve or enforce the Credit Enhancer's rights or interest under this Trust Agreement or the Insurance Agreement, consistent with this Trust Agreement and without limiting the rights of the Certificateholders as otherwise expressly set forth in this Trust Agreement. Section 3.12. SUBORDINATION. Except as otherwise provided in the Basic Documents, for so long as any Notes are outstanding or unpaid, the Certificateholders will generally be subordinated in right of payment, under the Certificates or otherwise, to payments to the Noteholders under, or otherwise related to, the Indenture. If an Event of Default has occurred and is continuing under the Indenture, the Certificates will be fully subordinated to obligations owing by the Trust to the Noteholders under, or otherwise related to, the Indenture, and no distributions will be made on the Certificates until the Noteholders and the Indenture Trustee have been irrevocably paid in full. Section 3.13. NO PRIORITY AMONG CERTIFICATES. All Certificateholders shall rank equally as to amounts distributable upon the liquidation, dissolution or winding up of the Trust, with no preference or priority being afforded to any Certificateholders over any other Certificateholders. 12 ARTICLE IV Authority and Duties of Owner Trustee Section 4.01. GENERAL AUTHORITY. The Owner Trustee is authorized and directed to execute and deliver the Basic Documents to which the Trust is to be a party and each certificate or other document attached as an exhibit to or contemplated by the Basic Documents to which the Trust is to be a party, as well as any certificate that supports the factual assumptions made in any Opinion of Counsel delivered on the Closing Date, and any amendment or other agreement or instrument described herein, in each case, in such form as the Owner Trustee shall approve, as evidenced conclusively by the Owner Trustee's execution thereof. In addition to the foregoing, the Owner Trustee is obligated to take all actions required of the Trust pursuant to the Basic Documents. Section 4.02. GENERAL DUTIES. The Owner Trustee shall be responsible to administer the Trust pursuant to the terms of this Trust Agreement and the other Basic Documents to which the Trust is a party and in the interest of the Certificateholders, subject to the Basic Documents and in accordance with the provisions of this Trust Agreement. Section 4.03. ACTION UPON INSTRUCTION. (a) Subject to this Article IV and Section 10.13 of this Trust Agreement and in accordance with the terms of the Basic Documents, the Certificateholders may by written instruction direct the Owner Trustee in the management of the Trust. Such direction may be exercised at any time by written instruction of the Certificateholders pursuant to this Article IV. (b) Notwithstanding the foregoing, the Owner Trustee shall not be required to take any action hereunder or under any Basic Document if the Owner Trustee shall have reasonably determined, or shall have been advised by counsel, that such action is likely to result in liability on the part of the Owner Trustee or is contrary to the terms hereof or of any other Basic Document or is otherwise contrary to law. (c) Whenever the Owner Trustee is unable to decide between alternative courses of action permitted or required by the terms of this Trust Agreement or under any other Basic Document, or in the event that the Owner Trustee is unsure as to the application of any provision of this Trust Agreement or any other Basic Document or any such provision is ambiguous as to its application, or is, or appears to be, in conflict with any other applicable provision, or in the event that this Trust Agreement permits any determination by the Owner Trustee or is silent or is incomplete as to the course of action that the Owner Trustee is required to take with respect to a particular set of facts, the Owner Trustee shall promptly give notice (in such form as shall be appropriate under the circumstances) to the Certificateholders (with a copy to the Credit Enhancer) requesting instruction as to the course of action to be adopted, and to the extent the Owner Trustee acts in good faith in accordance with any written instructions received from Certificateholders of Certificates representing a majority of the aggregate Certificate Percentage Interest, the Owner Trustee shall not be liable on account of such action to any Person. If the Owner Trustee shall not have received appropriate instruction within 10 days of such notice (or within such shorter period of time as reasonably may be specified in such notice or may be 13 necessary under the circumstances) it may, but shall be under no duty to, take or refrain from taking such action not inconsistent with this Trust Agreement or the other Basic Documents, as it shall deem to be in the best interests of the Certificateholders, and the Owner Trustee shall have no liability to any Person for such action or inaction. Section 4.04. NO DUTIES EXCEPT AS SPECIFIED UNDER SPECIFIED DOCUMENTS OR IN INSTRUCTIONS. The Owner Trustee shall not have any duty or obligation to manage, make any payment with respect to, register, record, sell, dispose of, or otherwise deal with the Trust Estate, or to otherwise take or refrain from taking any action under, or in connection with, any document contemplated hereby to which the Owner Trustee is a party, except as expressly provided (i) in accordance with the powers granted to and the authority conferred upon the Owner Trustee pursuant to this Trust Agreement, (ii) in accordance with the Basic Documents and (iii) in accordance with any document or instruction delivered to the Owner Trustee pursuant to Section 4.03; and no implied duties or obligations shall be read into this Trust Agreement or any other Basic Document against the Owner Trustee. The Owner Trustee shall have no responsibility for filing any financing or continuation statement in any public office at any time or to otherwise perfect or maintain the perfection of any security interest or lien granted to it hereunder or to prepare or file any filing with the Commission for the Trust or to record this Trust Agreement or any other Basic Document. The Owner Trustee nevertheless agrees that it will, at its own cost and expense, promptly take all action as may be necessary to discharge any liens on any part of the Trust Estate that result from actions by, or claims against, the Owner Trustee that are not related to the ownership or the administration of the Trust Estate. Section 4.05. RESTRICTIONS. (a) The Owner Trustee shall not take any action (i) that is inconsistent with the purposes of the Trust set forth in Section 2.03 or (ii) that, to the actual knowledge of the Owner Trustee, would cause the Trust to be treated as an association (or a publicly-traded partnership) taxable as a corporation or a taxable mortgage pool for federal income tax purposes. The Certificateholders shall not direct the Owner Trustee to take action that would violate the provisions of this Section 4.05. (b) The Owner Trustee shall not convey or transfer any of the Trust's properties or assets, including those included in the Trust Estate, to any person unless (i) it shall have received an Opinion of Counsel to the effect that such transaction will not have any material adverse tax consequence to the Trust or any Certificateholder and (ii) such conveyance or transfer shall not violate the provisions of Section 3.16(b) of the Indenture. Section 4.06. PRIOR NOTICE TO CERTIFICATEHOLDERS AND THE CREDIT ENHANCER WITH RESPECT TO CERTAIN MATTERS. With respect to the following matters, the Owner Trustee shall not take action unless, at least 30 days before the taking of such action, the Owner Trustee shall have notified the Certificateholders and the Credit Enhancer in writing of the proposed action and the Certificateholders of Certificates representing a majority of the aggregate Certificate Percentage Interest shall not have notified the Owner Trustee in writing prior to the 30th day after such notice is given that such Certificateholders have withheld consent or provided alternative direction: 14 (a) the initiation of any Proceeding by the Trust (except Proceedings brought in connection with the collection of cash distributions due and owing under the Home Loans) and the compromise of any Proceeding brought by or against the Trust (except with respect to the aforementioned Proceedings for collection of cash distributions due and owing under the Home Loans); (b) the election by the Trust to file an amendment to the Certificate of Trust (unless such amendment is required to be filed under the Business Trust Statute); (c) the amendment of any of the Basic Documents in circumstances where the consent of any Noteholder is required; (d) the amendment of any of the Basic Documents in circumstances where the consent of any Noteholder is not required and such amendment materially and adversely affects the interest of the Certificateholders; (e) the appointment pursuant to the Indenture of a successor Note Registrar, Paying Agent or Indenture Trustee or pursuant to this Trust Agreement of a successor Certificate Registrar or Certificate Paying Agent or the consent to the assignment by the Note Registrar, Paying Agent, Indenture Trustee, Certificate Registrar or Certificate Paying Agent of its obligations under the Indenture or this Trust Agreement, as applicable. Section 4.07. ACTION BY CERTIFICATEHOLDERS WITH RESPECT TO CERTAIN MATTERS. The Owner Trustee shall not have the power, except upon the written direction of Certificateholders of Certificates evidencing not less than a majority of the aggregate Certificate Percentage Interest, and with the consent of the Credit Enhancer, to (a) remove the Servicer under the Servicing Agreement pursuant to Section 7.01 thereof or (b) except as expressly provided in the Basic Documents, sell the Home Loans after the termination of the Indenture. Section 4.08. ACTION BY CERTIFICATEHOLDERS WITH RESPECT TO BANKRUPTCY. The Owner Trustee shall not have the power to commence a voluntary Proceeding in bankruptcy relating to the Trust without the unanimous prior approval of all Certificateholders, and with the consent of the Credit Enhancer, and the delivery to the Owner Trustee by each such Certificateholder of a certificate certifying that such Certificateholder reasonably believes that the Trust is insolvent. Section 4.09. RESTRICTIONS ON CERTIFICATEHOLDERS' POWER. The Certificateholders shall not direct the Owner Trustee to take or to refrain from taking any action if such action or inaction would be contrary to any obligation of the Trust or the Owner Trustee under this Trust Agreement or any of the other Basic Documents or would be contrary to Section 2.03, nor shall the Owner Trustee be obligated to follow any such direction, if given. Section 4.10. MAJORITY CONTROL. Except as expressly provided herein, any action that may be taken by the Certificateholders under this Trust Agreement may be taken by the Certificateholders of Certificates evidencing not less than a majority of the aggregate Certificate Percentage Interest. Except as expressly provided herein, any written notice of the Certificateholders delivered pursuant to this Trust Agreement shall be effective if signed by the Certificateholders of Certificates evidencing not less than a majority of the aggregate Certificate Percentage Interest at the time of the delivery of such notice. 15 Section 4.11. DOING BUSINESS IN OTHER JURISDICTIONS. Notwithstanding anything contained herein to the contrary, neither Wilmington Trust Company nor the Owner Trustee shall be required to take any action in any jurisdiction other than in the State of Delaware if the taking of such action will, even after the appointment of a co-trustee or separate trustee in accordance with Section 9.05 hereof, (i) require the consent or approval or authorization or order of or the giving of notice to, or the registration with or the taking of any other action in respect of, any state or other governmental authority or agency of any jurisdiction other than the State of Delaware; (ii) result in any fee, tax or other governmental charge under the laws of the State of Delaware becoming payable by Wilmington Trust Company, or (iii) subject Wilmington Trust Company to personal jurisdiction in any jurisdiction other than the State of Delaware for causes of action arising from acts unrelated to the consummation of the transactions by Wilmington Trust Company or the Owner Trustee, as the case may be, contemplated hereby. Section 4.12. REMOVAL OF HOME LOANS. Certificateholders holding 100% of the Certificate Percentage Interests of the Certificates may, by delivering a written request to the Owner Trustee to such effect, cause the removal of Home Loans from the Trust Estate in accordance with the provisions of Section 3.15(c) of the Servicing Agreement. Promptly following receipt of any such request, the Owner Trustee shall deliver to the Servicer the written notice and request required to be delivered to the Servicer pursuant to Section 3.15(c) of the Servicing Agreement. Any Home Loans removed from the Trust Estate pursuant to Section 3.15(c) of the Servicing Agreement shall be property of the Issuer and, upon the written request of the Certificateholders holding 100% of the Certificate Percentage Interests of the Certificates, be released to the Certificateholders as a dividend and in accordance with the written instructions of such Certificateholders. 16 ARTICLE V Application of Trust Funds Section 5.01. DISTRIBUTIONS. (a) On each Payment Date occurring in the months of March, June, September and December, on any date on which the Trust is terminated pursuant to Section 8.01, and on each other Payment Date for which the Certificate Paying Agent has received written notice from the Certificateholders requesting funds on deposit in the Distribution Account to be distributed, the Certificate Paying Agent shall distribute to the Certificateholders all funds on deposit in the Distribution Account and available therefor as provided in Section 3.05 of the Indenture. All distributions made pursuant to this Section shall be distributed to the Certificateholders pro rata based on the Percentage Interests thereof. (b) In the event that any withholding tax is imposed on the distributions (or allocations of income) to a Certificateholder, such tax shall reduce the amount otherwise distributable to such Certificateholder in accordance with this Section 5.01. The Certificate Paying Agent is hereby authorized and directed to retain or cause to be retained from amounts otherwise distributable to the Certificateholders sufficient funds for the payment of any tax that is legally owed by the Trust (but such authorization shall not prevent the Owner Trustee from contesting any such tax in appropriate Proceedings, and withholding payment of such tax, if permitted by law, pending the outcome of such Proceedings). The amount of any withholding tax imposed with respect to a Certificateholder shall be treated as cash distributed to such Certificateholder at the time it is withheld by the Certificate Paying Agent and remitted to the appropriate taxing authority. If there is a possibility that withholding tax is payable with respect to a distribution (such as a distribution to a non-U.S. Certificateholder), the Certificate Paying Agent may in its sole discretion withhold such amounts in accordance with this paragraph (b). (c) Distributions to Certificateholders shall be subordinated to the creditors of the Trust, including the Noteholders. (d) Allocations of profits and losses, as determined for federal income tax purposes, shall be made to the Certificateholders on a pro rata basis based on the Certificate Percentage Interests thereof. Section 5.02. METHOD OF PAYMENT. Subject to Section 8.01(c), distributions required to be made to Certificateholders on any Payment Date as provided in Section 5.01 shall be made to each Certificateholder of record on the preceding Record Date by wire transfer, in immediately available funds, to the account of each Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder shall have provided to the Certificate Registrar appropriate written instructions at least five Business Days prior to such Payment Date or, if not, by check or money order mailed to such Certificateholder at the address of such Certificateholder appearing in the Certificate Register. Section 5.03. SIGNATURE ON RETURNS. The Servicer, as the Tax Matters Partner, shall sign on behalf of the Trust the tax returns of the Trust. 17 Section 5.04. STATEMENTS TO CERTIFICATEHOLDERS. On each Payment Date, the Certificate Paying Agent shall make available to each Certificateholder the statement or statements provided to the Owner Trustee and the Certificate Paying Agent by the Servicer pursuant to Section 4.01 of the Servicing Agreement with respect to such Payment Date. Section 5.05. TAX REPORTING. So long as the Depositor or any Affiliate of the Depositor owns 100% of the Certificates, then no separate federal and state income tax returns and information returns or statements will be filed with respect to the Trust. If the Tax Matters Partner is no longer the sole Certificateholder, the subsequent holders of the Certificates by their acceptance of a Certificate, agree to appoint the Tax Matters Partner as their agent and the Tax Matters Partner, as agent for such holders, agrees to perform all duties necessary to comply with federal and state income tax laws. The Certificateholders agree by their purchase of 100% of the Certificates to treat the Trust as an entity wholly owned by the Depositor or any Affiliate of the Depositor for purposes of federal and state income tax, franchise tax and any other tax measured in whole or in part by income, with the assets of the entity being the assets held by the Trust, and the Notes being debt of the Trust. 18 ARTICLE VI Concerning the Owner Trustee Section 6.01. ACCEPTANCE OF TRUSTS AND DUTIES. The Owner Trustee accepts the trusts hereby created and agrees to perform its duties hereunder with respect to such trusts, but only upon the terms of this Trust Agreement. The Owner Trustee and the Certificate Paying Agent also agree to disburse all moneys actually received by it constituting part of the Trust Estate upon the terms of this Trust Agreement and the other Basic Documents. The Owner Trustee shall not be answerable or accountable hereunder or under any Basic Document under any circumstances, except (i) for its own willful misconduct, negligence or bad faith or negligent failure to act or (ii) in the case of the inaccuracy of any representation or warranty contained in Section 6.03 expressly made by the Owner Trustee. In particular, but not by way of limitation (and subject to the exceptions set forth in the preceding sentence): (a) no provision of this Trust Agreement or any other Basic Document shall require the Owner Trustee to expend or risk funds or otherwise incur any financial liability in the performance of any of its rights, duties or powers hereunder or under any other Basic Document if the Owner Trustee shall have reasonable grounds for believing that repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured or provided to it; (b) under no circumstances shall the Owner Trustee be liable for indebtedness evidenced by or arising under any of the Basic Documents, including the principal of and interest on the Notes; (c) the Owner Trustee shall not be responsible for or in respect of the validity or sufficiency of this Trust Agreement or for the due execution hereof by the Depositor for the form, character, genuineness, sufficiency, value or validity of any of the Trust Estate, or for or in respect of the validity or sufficiency of the Basic Documents, the Notes, the Certificates, other than the certificate of authentication on the Certificates, if executed by the Owner Trustee and the Owner Trustee shall in no event assume or incur any liability, duty, or obligation to any Noteholder or to any Certificateholder, other than as expressly provided for herein or in the other Basic Documents; (d) the execution, delivery, authentication and performance by the Owner Trustee of this Trust Agreement will not require the authorization, consent or approval of, the giving of notice to, the filing or registration with, or the taking of any other action with respect to, any governmental authority or agency; (e) the Owner Trustee shall not be liable for the default or misconduct of the Depositor, Indenture Trustee or the Servicer under any of the Basic Documents or otherwise and the Owner Trustee shall have no obligation or liability to perform the obligations of the Trust under this Trust Agreement or the other Basic Documents that are required to be performed by the Indenture Trustee under the Indenture or the Seller under the Purchase Agreement; and (f) the Owner Trustee shall be under no obligation to exercise any of the rights or powers vested in it or duties imposed by this Trust Agreement, or to institute, conduct or defend 19 any litigation under this Trust Agreement or otherwise or in relation to this Trust Agreement or any other Basic Document, at the request, order or direction of any of the Certificateholders, unless such Certificateholders have offered to the Owner Trustee security or indemnity satisfactory to it against the costs, expenses and liabilities that may be incurred by the Owner Trustee therein or thereby. The right of the Owner Trustee to perform any discretionary act enumerated in this Trust Agreement or in any other Basic Document shall not be construed as a duty, and the Owner Trustee shall not be answerable for other than its negligence, bad faith or willful misconduct in the performance of any such act. Section 6.02. FURNISHING OF DOCUMENTS. The Owner Trustee shall furnish to the Securityholders promptly upon receipt of a written reasonable request therefor, duplicates or copies of all reports, notices, requests, demands, certificates, financial statements and any other instruments furnished to the Trust under the Basic Documents. Section 6.03. REPRESENTATIONS AND WARRANTIES. The Owner Trustee hereby represents and warrants to the Depositor, for the benefit of the Certificateholders, that: (a) It is a banking corporation duly organized and validly existing in good standing under the laws of the State of Delaware. It has all requisite corporate power and authority to execute, deliver and perform its obligations under this Trust Agreement; (b) It has taken all corporate action necessary to authorize the execution and delivery by it of this Trust Agreement, and this Trust Agreement will be executed and delivered by one of its officers who is duly authorized to execute and deliver this Trust Agreement on its behalf; (c) Neither the execution nor the delivery by it of this Trust Agreement, nor the consummation by it of the transactions contemplated hereby nor compliance by it with any of the terms or provisions hereof will contravene any federal or Delaware law, governmental rule or regulation governing the banking or trust powers of the Owner Trustee or any judgment or order binding on it, or constitute any default under its charter documents or bylaws or any indenture, mortgage, contract, agreement or instrument to which it is a party or by which any of its properties may be bound; (d) This Trust Agreement, assuming due authorization, execution and delivery by the Owner Trustee and the Depositor, constitutes a valid, legal and binding obligation of the Owner Trustee, enforceable against it in accordance with the terms hereof subject to applicable bankruptcy, insolvency, reorganization, moratorium and other laws affecting the enforcement of creditors' rights generally and to general principles of equity, regardless of whether such enforcement is considered in a proceeding in equity or at law; (e) The Owner Trustee is not in default with respect to any order or decree of any court or any order, regulation or demand of any federal, state, municipal or governmental agency, which default might have consequences that would materially and adversely affect the condition (financial or other) or operations of the Owner Trustee or its properties or might have consequences that would materially adversely affect its performance hereunder; and 20 (f) No litigation is pending or, to the best of the Owner Trustee's knowledge, threatened against the Owner Trustee which would prohibit its entering into this Trust Agreement or performing its obligations under this Trust Agreement. Section 6.04. RELIANCE; ADVICE OF COUNSEL. (a) The Owner Trustee shall incur no liability to anyone in acting upon any signature, instrument, notice, resolution, request, consent, order, certificate, report, opinion, bond, or other document or paper believed by it to be genuine and believed by it to be signed by the proper party or parties. The Owner Trustee may accept a certified copy of a resolution of the board of directors or other governing body of any corporate party as conclusive evidence that such resolution has been duly adopted by such body and that the same is in full force and effect. As to any fact or matter the method of determination of which is not specifically prescribed herein, the Owner Trustee may for all purposes hereof rely on a certificate, signed by the president or any vice president or by the treasurer or other authorized officers of the relevant party, as to such fact or matter and such certificate shall constitute full protection to the Owner Trustee for any action taken or omitted to be taken by it in good faith in reliance thereon. (b) In the exercise or administration of the Trust hereunder and in the performance of its duties and obligations under this Trust Agreement or the other Basic Documents, the Owner Trustee (i) may act directly or through its agents, attorneys, custodians or nominees (including persons acting under a power of attorney) pursuant to agreements entered into with any of them, and the Owner Trustee shall not be liable for the conduct or misconduct of such agents, attorneys, custodians or nominees (including persons acting under a power of attorney) if such persons have been selected by the Owner Trustee with reasonable care, and (ii) may consult with counsel, accountants and other skilled persons to be selected with reasonable care and employed by it at the expense of the Trust. The Owner Trustee shall not be liable for anything done, suffered or omitted in good faith by it in accordance with the opinion or advice of any such counsel, accountants or other such Persons and not contrary to this Trust Agreement or any other Basic Document. Section 6.05. NOT ACTING IN INDIVIDUAL CAPACITY. Except as provided in this Article VI, in accepting the trusts hereby created Wilmington Trust Company acts solely as Owner Trustee hereunder and not in its individual capacity, and all Persons having any claim against the Owner Trustee by reason of the transactions contemplated by this Trust Agreement or any other Basic Document shall look only to the Trust Estate for payment or satisfaction thereof. Section 6.06. OWNER TRUSTEE NOT LIABLE FOR CERTIFICATES OR RELATED DOCUMENTS. The recitals contained herein and in the Certificates (other than the signatures of the Owner Trustee on the Certificates) shall be taken as the statements of the Depositor, and the Owner Trustee assumes no responsibility for the correctness thereof. The Owner Trustee makes no representations as to the validity or sufficiency of this Trust Agreement, of any other Basic Document or of the Certificates (other than the signatures of the Owner Trustee on the Certificates) or the Notes, or of any Related Documents. The Owner Trustee shall at no time have any responsibility or liability with respect to the sufficiency of the Trust Estate or its ability to generate the payments to be distributed to Certificateholders under this Trust Agreement or the Noteholders under the Indenture, including, the compliance by the Depositor or the Seller with 21 any warranty or representation made under any Basic Document or in any related document or the accuracy of any such warranty or representation, or any action of the Certificate Paying Agent, the Certificate Registrar or the Indenture Trustee taken in the name of the Owner Trustee. Section 6.07. OWNER TRUSTEE MAY OWN CERTIFICATES AND NOTES. The Owner Trustee in its individual or any other capacity may become the owner or pledgee of Certificates or Notes and may deal with the Depositor, the Seller, the Certificate Paying Agent, the Certificate Registrar and the Indenture Trustee in transactions with the same rights as it would have if it were not Owner Trustee. 22 ARTICLE VII Compensation of Owner Trustee Section 7.01. OWNER TRUSTEE'S FEES AND EXPENSES. The Owner Trustee shall receive as compensation for its services hereunder such fees as have been separately agreed upon before the date hereof in accordance with Section 6.06 of the Servicing Agreement, and the Owner Trustee shall be reimbursed for its reasonable expenses hereunder and under the other Basic Documents, including the reasonable compensation, expenses and disbursements of such agents, representatives, experts and counsel as the Owner Trustee may reasonably employ in connection with the exercise and performance of its rights and its duties hereunder and under the other Basic Documents which shall be payable by the Servicer pursuant to Section 3.09 of the Servicing Agreement. Section 7.02. INDEMNIFICATION. The Certificateholder of the majority of the Percentage Interest of the Certificates shall indemnify, defend and hold harmless the Owner Trustee and its successors, assigns, agents and servants (collectively, the "Indemnified Parties") from and against, any and all liabilities, obligations, losses, damages, taxes, claims, actions and suits, and any and all reasonable costs, expenses and disbursements (including reasonable legal fees and expenses) of any kind and nature whatsoever (collectively, "Expenses") which may at any time be imposed on, incurred by, or asserted against the Owner Trustee or any Indemnified Party in any way relating to or arising out of this Trust Agreement, the other Basic Documents, the Trust Estate, the administration of the Trust Estate or the action or inaction of the Owner Trustee hereunder; provided, that: (a) the Certificateholder of the majority of the Percentage Interest of the Certificates shall not be liable for or required to indemnify an Indemnified Party from and against Expenses arising or resulting from the Owner Trustee's willful misconduct, negligence or bad faith or as a result of any inaccuracy of a representation or warranty contained in Section 6.03 expressly made by the Owner Trustee; (b) with respect to any such claim, the Indemnified Party shall have given the Certificateholder of the majority of the Percentage Interest of the Certificates written notice thereof promptly after the Indemnified Party shall have actual knowledge thereof; (c) while maintaining control over its own defense, the Certificateholder of the majority of the Percentage Interest of the Certificates shall consult with the Indemnified Party in preparing such defense; and (d) notwithstanding anything in this Trust Agreement to the contrary, the Certificateholder of the majority of the Percentage Interest of the Certificates shall not be liable for settlement of any claim by an Indemnified Party entered into without the prior consent of the Certificateholder of the majority of the Percentage Interest of the Certificates, which consent shall not be unreasonably withheld. The indemnities contained in this Section shall survive the resignation or termination of the Owner Trustee or the termination of this Trust Agreement. In the event of any Proceeding 23 for which indemnity may be sought pursuant to this Section 7.02, the Owner Trustee's choice of legal counsel, if other than the legal counsel retained by the Owner Trustee in connection with the execution and delivery of this Trust Agreement, shall be subject to the approval of the Certificateholder of the majority of the Percentage Interest of the Certificates, which approval shall not be unreasonably withheld. In addition, upon written notice to the Owner Trustee and with the consent of the Owner Trustee, which consent shall not be unreasonably withheld, the Certificateholder of the majority of the Percentage Interest of the Certificates shall have the right to assume the defense of any Proceeding against the Owner Trustee. 24 ARTICLE VIII Termination of Trust Agreement Section 8.01. TERMINATION OF TRUST AGREEMENT. (a) This Trust Agreement (other than this Article VIII) and the Trust shall terminate and be of no further force or effect upon the final distribution of all moneys or other property or proceeds of the Trust Estate in accordance with the terms of the Indenture and this Trust Agreement. The bankruptcy, liquidation, dissolution, death or incapacity of any Certificateholder shall not (i) operate to terminate this Trust Agreement or the Trust, (ii) entitle such Certificateholder's legal representatives or heirs to claim an accounting or to take any Proceeding in any court for a partition or winding up of all or any part of the Trust or the Trust Estate or (iii) otherwise affect the rights, obligations and liabilities of the parties hereto. (b) Except as provided in Section 8.01(a), neither the Depositor nor any Certificateholder shall be entitled to revoke or terminate the Trust. (c) Notice of any termination of the Trust, specifying the Payment Date on which Certificateholders shall surrender their Certificates to the Certificate Paying Agent for payment of the final distribution thereon and cancellation thereof, shall be given by the Certificate Paying Agent by letter to the Certificateholders and the Credit Enhancer mailed within five Business Days of receipt of notice of such termination from the Owner Trustee, stating (i) the Payment Date upon or with respect to which final payment of the Certificates shall be made upon presentation and surrender of the Certificates at the office of the Certificate Paying Agent therein designated, (ii) the amount of any such final payment and (iii) that the Record Date otherwise applicable to such Payment Date is not applicable, payments being made only upon presentation and surrender of the Certificates at the office of the Certificate Paying Agent therein specified. The Certificate Paying Agent shall give such notice to the Owner Trustee and the Certificate Registrar at the time such notice is given to Certificateholders. Upon presentation and surrender of the Certificates, the Certificate Paying Agent shall cause to be distributed to Certificateholders amounts distributable on such Payment Date pursuant to Section 5.01. In the event that all of the Certificateholders shall not have surrendered their Certificates for cancellation within six months after the date specified in the above mentioned written notice, the Certificate Paying Agent shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. Subject to applicable laws with respect to escheat of funds, if within one year following the Payment Date on which final payment of the Certificates was to have been made pursuant to Section 3.10, all the Certificates shall not have been surrendered for cancellation, the Certificate Paying Agent may take appropriate steps, or may appoint an agent to take appropriate steps, to contact the remaining Certificateholders concerning surrender of their Certificates, and the cost thereof shall be paid out of the funds and other assets that shall remain subject to this Trust Agreement. Any funds remaining in the Distribution Account after exhaustion of such remedies shall be distributed by the Certificate Paying Agent to the Certificateholder of the majority of the Percentage Interest of the Certificates. 25 (d) Upon the winding up of the Trust and its termination, the Owner Trustee shall cause the Certificate of Trust to be cancelled by filing a certificate of cancellation with the Secretary of State in accordance with the provisions of Section 3810(c) of the Business Trust Statute. 26 ARTICLE IX Successor Owner Trustees and Additional Owner Trustees Section 9.01. ELIGIBILITY REQUIREMENTS FOR OWNER TRUSTEE. The Owner Trustee shall at all times be a corporation satisfying the provisions of Section 3807(a) of the Business Trust Statute; authorized to exercise corporate trust powers; having a combined capital and surplus of at least $50,000,000 and subject to supervision or examination by federal or state authorities; and having (or having a parent that has) long-term debt obligations with a rating of at least A by Moody's or Standard & Poor's. If such corporation shall publish reports of condition at least annually pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purpose of this Section, the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. In case at any time the Owner Trustee shall cease to be eligible in accordance with the provisions of this Section 9.01, the Owner Trustee shall resign immediately in the manner and with the effect specified in Section 9.02. Section 9.02. REPLACEMENT OF OWNER TRUSTEE. The Owner Trustee may at any time resign and be discharged from the trusts hereby created by giving 30 days' prior written notice thereof to the Credit Enhancer, the Indenture Trustee and the Depositor. Upon receiving such notice of resignation, the Indenture Trustee shall promptly appoint a successor Owner Trustee with the consent of the Credit Enhancer, which consent shall not be unreasonably withheld, by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Owner Trustee and one copy to the successor Owner Trustee. If no successor Owner Trustee shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Owner Trustee may petition any court of competent jurisdiction for the appointment of a successor Owner Trustee. If at any time the Owner Trustee shall cease to be eligible in accordance with the provisions of Section 9.01 and shall fail to resign after written request therefor by the Indenture Trustee, or if at any time the Owner Trustee shall be legally unable to act, or shall be adjudged bankrupt or insolvent, or a receiver of the Owner Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Owner Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Indenture Trustee may, and, at the direction of the Credit Enhancer, shall, remove the Owner Trustee. If the Indenture Trustee shall remove the Owner Trustee under the authority of the immediately preceding sentence, the Indenture Trustee shall promptly appoint a successor Owner Trustee acceptable to the Credit Enhancer by written instrument, in duplicate, one copy of which instrument shall be delivered to the outgoing Owner Trustee so removed and one copy to the successor Owner Trustee, and shall pay all fees owed to the outgoing Owner Trustee. If the Indenture Trustee is unable to appoint a successor Owner Trustee within 60 days after any such direction, the Indenture Trustee may petition any court of competent jurisdiction for the appointment of a successor Owner Trustee. Any resignation or removal of the Owner Trustee and appointment of a successor Owner Trustee pursuant to any of the provisions of this Section shall not become effective until 27 acceptance of appointment by the successor Owner Trustee pursuant to Section 9.03 and payment of all fees and expenses owed to the outgoing Owner Trustee. Section 9.03. SUCCESSOR OWNER TRUSTEE. Any successor Owner Trustee appointed pursuant to Section 9.02 shall execute, acknowledge and deliver to the Indenture Trustee and to its predecessor Owner Trustee an instrument accepting such appointment under this Trust Agreement, and thereupon the resignation or removal of the predecessor Owner Trustee shall become effective, and such successor Owner Trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor under this Trust Agreement, with like effect as if originally named as Owner Trustee. The predecessor Owner Trustee shall upon payment of its fees and expenses deliver to the successor Owner Trustee all documents and statements and monies held by it under this Trust Agreement; and the predecessor Owner Trustee shall execute and deliver such instruments and do such other things as may reasonably be required for fully and certainly vesting and confirming in the successor Owner Trustee all such rights, powers, duties and obligations. No successor Owner Trustee shall accept appointment as provided in this Section 9.03 unless at the time of such acceptance such successor Owner Trustee shall be eligible pursuant to Section 9.01. Upon acceptance of appointment by a successor Owner Trustee pursuant to this Section 9.03, the Indenture Trustee shall mail notice thereof to all Certificateholders, the Indenture Trustee, the Noteholders and the Rating Agencies. If the Indenture Trustee shall fail to mail such notice within 10 days after acceptance of such appointment by the successor Owner Trustee, the successor Owner Trustee shall cause such notice to be mailed at the expense of the Indenture Trustee. Section 9.04. MERGER OR CONSOLIDATION OF OWNER TRUSTEE. Any Person into which the Owner Trustee may be merged or converted or with which it may be consolidated, or any Person resulting from any merger, conversion or consolidation to which the Owner Trustee shall be a party, or any Person succeeding to all or substantially all of the corporate trust business of the Owner Trustee, shall be the successor of the Owner Trustee hereunder, without the execution or filing of any instrument or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, that such Person shall be eligible pursuant to Section 9.01 and, provided, further, that the Owner Trustee shall mail notice of such merger or consolidation to the Rating Agencies. Section 9.05. APPOINTMENT OF CO-TRUSTEE OR SEPARATE TRUSTEE. Notwithstanding any other provisions of this Trust Agreement, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Estate may at the time be located, the Owner Trustee shall have the power and shall execute and deliver all instruments to appoint one or more Persons to act as co-trustee, jointly with the Owner Trustee, or as separate trustee or trustees, of all or any part of the Trust Estate, and to vest in such Person, in such capacity, such title to the Trust or any part thereof and, subject to the other provisions of this Section, such powers, duties, obligations, rights and trusts as the Owner Trustee may consider necessary or desirable. No co-trustee or separate trustee under this Trust Agreement shall be required to meet 28 the terms of eligibility as a successor Owner Trustee pursuant to Section 9.01 and no notice of the appointment of any co-trustee or separate trustee shall be required pursuant to Section 9.03. Each separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions and conditions: (a) All rights, powers, duties and obligations conferred or imposed upon the Owner Trustee shall be conferred upon and exercised or performed by the Owner Trustee and such separate trustee or co-trustee jointly (it being understood that such separate trustee or co-trustee is not authorized to act separately without the Owner Trustee joining in such act), except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed, the Owner Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust Estate or any portion thereof in any such jurisdiction) shall be exercised and performed singly by such separate trustee or co-trustee, but solely at the direction of the Owner Trustee; (b) No trustee under this Trust Agreement shall be personally liable by reason of any act or omission of any other trustee under this Trust Agreement; and (c) The Owner Trustee may at any time accept the resignation of or remove any separate trustee or co-trustee. Any notice, request or other writing given to the Owner Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Trust Agreement and the conditions of this Article IX. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Owner Trustee or separately, as may be provided therein, subject to all the provisions of this Trust Agreement, specifically including every provision of this Trust Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Owner Trustee. Each such instrument shall be filed with the Owner Trustee. Any separate trustee or co-trustee may at any time appoint the Owner Trustee as its agent or attorney-in-fact with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Trust Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Owner Trustee, to the extent permitted by law, without the appointment of a new or successor co-trustee or separate trustee. 29 ARTICLE X Miscellaneous Section 10.01. AMENDMENTS. (a) This Trust Agreement may be amended from time to time by the parties hereto as specified in this Section 10.01, provided that any such amendment, except as provided in paragraph (e) below, shall be accompanied by an Opinion of Counsel addressed to the Owner Trustee and the Credit Enhancer to the effect that such amendment (i) complies with the provisions of this Section and (ii) will not cause the Trust to be subject to an entity level tax. (b) If the purpose of any such amendment (as detailed therein) is to correct any mistake, eliminate any inconsistency, cure any ambiguity or deal with any matter not covered in this Trust Agreement (I.E., to give effect to the intent of the parties), it shall not be necessary to obtain the consent of any Certificateholders, but the Owner Trustee shall be furnished with (i) a letter from each Rating Agency that the amendment will not result in a Rating Event, determined without regard to the Policy and (ii) an Opinion of Counsel to the effect that such action will not adversely affect in any material respect the interests of any Certificateholder, and the consent of the Credit Enhancer shall be obtained. (c) If the purpose of the amendment is to prevent the imposition of any federal or state taxes at any time that any Security is outstanding (I.E., technical in nature), it shall not be necessary to obtain the consent of any Certificateholder, but the Owner Trustee shall be furnished with an Opinion of Counsel that such amendment is necessary or helpful to prevent the imposition of such taxes and is not materially adverse to any Certificateholder and the consent of the Credit Enhancer shall be obtained. (d) If the purpose of the amendment is to add or eliminate or change any provision of the Trust Agreement other than as contemplated in (b) and (c) above, the amendment shall require (i) the consent of the Credit Enhancer and an Opinion of Counsel to the effect that such action will not adversely affect in any material respect the interests of any Certificateholder and (ii) either (A) a letter from each Rating Agency that such amendment will not cause a Rating Event, if determined without regard to the Policy or (B) the consent of Certificateholders of Certificates evidencing a majority of the aggregate Certificate Percentage Interest and the Indenture Trustee; provided, however, that no such amendment shall reduce in any manner the amount of, or delay the timing of, payments received that are required to be distributed on any Certificate without the consent of each Certificateholder affected thereby and the Credit Enhancer, or reduce the aforesaid percentage of Certificates the Certificateholders of which are required to consent to any such amendment, without the consent of the Certificateholders of all such Certificates then outstanding. (e) No amendment of this Trust Agreement may provide for the holding of any of the Certificates in book-entry form. (f) If the purpose of any such amendment is to provide for the issuance of additional Certificates representing an interest in the Trust, it shall not be necessary to obtain the 30 consent of any Certificateholder, but the Owner Trustee shall be furnished with (i) an Opinion of Counsel to the effect that such action will not adversely affect in any material respect the interests of any Certificateholders and (B) a letter from each Rating Agency to the effect that such amendment will not cause a Rating Event, if determined without regard to the Policy, and the consent of the Credit Enhancer shall be obtained. (g) Promptly after the execution of any such amendment or consent, the Owner Trustee shall furnish written notification of the substance of such amendment or consent to each Certificateholder, the Indenture Trustee, the Credit Enhancer and each of the Rating Agencies. It shall not be necessary for the consent of Certificateholders or the Indenture Trustee pursuant to this Section 10.01 to approve the particular form of any proposed amendment or consent, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents (and any other consents of Certificateholders provided for in this Trust Agreement or in any other Basic Document) and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable requirements as the Owner Trustee may prescribe. (h) In connection with the execution of any amendment to any agreement to which the Trust is a party, other than this Trust Agreement, the Owner Trustee shall be entitled to receive and conclusively rely upon an Opinion of Counsel to the effect that such amendment is authorized or permitted by the documents subject to such amendment and that all conditions precedent in the Basic Documents for the execution and delivery thereof by the Trust or the Owner Trustee, as the case may be, have been satisfied. Promptly after the execution of any amendment to the Certificate of Trust, the Owner Trustee shall cause the filing of such amendment with the Secretary of State. Section 10.02. NO LEGAL TITLE TO TRUST ESTATE. The Certificateholders shall not have legal title to any part of the Trust Estate. The Certificateholders shall be entitled to receive distributions with respect to their undivided beneficial interest therein only in accordance with Articles V and VIII. No transfer, by operation of law or otherwise, of any right, title or interest of the Certificateholders to and in their ownership interest in the Trust Estate shall operate to terminate this Trust Agreement or the trusts hereunder or entitle any transferee to an accounting or to the transfer to it of legal title to any part of the Trust Estate. Section 10.03. LIMITATIONS ON RIGHTS OF OTHERS. Except for Section 2.07, the provisions of this Trust Agreement are solely for the benefit of the Owner Trustee, the Depositor, the Certificateholders, the Credit Enhancer and, to the extent expressly provided herein, the Indenture Trustee and the Noteholders, and nothing in this Trust Agreement (other than Section 2.07), whether express or implied, shall be construed to give to any other Person any legal or equitable right, remedy or claim in the Trust Estate or under or in respect of this Trust Agreement or any covenants, conditions or provisions contained herein. Section 10.04. NOTICES. (a) Unless otherwise expressly specified or permitted by the terms hereof, all notices shall be in writing and shall be deemed given upon receipt: if to the Owner Trustee, 31 addressed to its Corporate Trust Office; if to the Certificate Paying Agent, addressed to The Bank of New York, 101 Barclay Street, 12-E, New York, New York 10286, with a copy to the Corporate Trust Office of the Indenture Trustee, if to the Depositor, addressed to Residential Asset Mortgage Products, Inc., 8400 Normandale Lake Boulevard, Suite 600, Minneapolis, Minnesota 55437, Attention: President, Re: GMACM Home Loan Trust 2000-HLTV1; if to the Credit Enhancer, addressed to Ambac Assurance Corporation, One State Street Plaza, 19th Floor, New York, New York 10004, Attention: Structured Finance -- Mortgage Backed Securities (GMACM Home Loan Trust 2000-HLTV1), if to the Rating Agencies, addressed to Moody's Investors Service, Inc., 99 Church Street, 4th Floor, New York, New York 10001 and Standard & Poor's, a division of The McGraw-Hill Companies, Inc., 26 Broadway, 15th Floor, New York, New York 10004, Attention: Structured Finance Department - MBS; or, as to each of the foregoing Persons, at such other address as shall be designated by such Person in a written notice to each of the other foregoing Persons. (b) Any notice required or permitted to be given to a Certificateholder shall be given by first-class mail, postage prepaid, at the address of such Certificateholder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Trust Agreement to a Certificateholder shall be conclusively presumed to have been duly given, whether or not such Certificateholder receives such notice. (c) A copy of any notice delivered to the Owner Trustee or the Trust shall also be delivered to the Depositor. Section 10.05. SEVERABILITY. Any provision of this Trust Agreement that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction. Section 10.06. SEPARATE COUNTERPARTS. This Trust Agreement may be executed by the parties hereto in any number of counterparts, each of which when so executed and delivered shall be an original, but all such counterparts shall together constitute but one and the same instrument. Section 10.07. SUCCESSORS AND ASSIGNS. All representations, warranties, covenants and agreements contained herein shall be binding upon, and inure to the benefit of, each of the Credit Enhancer, the Depositor, the Owner Trustee and its successors and each Certificateholder and its successors and permitted assigns, all as herein provided. Any request, notice, direction, consent, waiver or other instrument or action by a Certificateholder shall bind the successors and assigns of such Certificateholder. Section 10.08. NO PETITION. The Owner Trustee, by entering into this Trust Agreement, and each Certificateholder, by accepting a Certificate, hereby covenant and agree that they will not at any time institute against the Depositor or the Trust, or join in any institution against the Depositor or the Trust of, any bankruptcy Proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations to the Certificates, the Notes, this Trust Agreement or any of the other Basic Documents. 32 Section 10.09. NO RECOURSE. Each Certificateholder, by accepting a Certificate, acknowledges that such Certificateholder's Certificate represents a beneficial interest in the Trust only and does not represent an interest in or obligation of the Depositor, the Seller, the Owner Trustee, the Indenture Trustee or any Affiliate thereof, and that no recourse may be had against such Persons or their assets, except as may be expressly set forth or contemplated in the Certificates, this Trust Agreement or the other Basic Documents. Section 10.10. HEADINGS. The headings of the various Articles and Sections herein are for convenience of reference only and shall not define or limit any of the terms or provisions hereof. Section 10.11. GOVERNING LAW. THIS TRUST AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 10.12. INTEGRATION. This Trust Agreement constitutes the entire agreement among the parties hereto pertaining to the subject matter hereof and supersedes all prior agreements and understanding pertaining thereto. Section 10.13. RIGHTS OF CREDIT ENHANCER TO EXERCISE RIGHTS OF CERTIFICATEHOLDERS. By accepting its Certificate, each Certificateholder agrees that unless a Credit Enhancer Default exists, the Credit Enhancer shall have the right to exercise all rights of the Certificateholders under this Trust Agreement without any further consent of the Certificateholders. Nothing in this Section, however, shall alter or modify in any way, the fiduciary obligations of the Owner Trustee to the Certificateholders pursuant to this Trust Agreement, or create any fiduciary obligation of the Owner Trustee to the Credit Enhancer. The Credit Enhancer shall be an express third party beneficiary of this Trust Agreement. 33 IN WITNESS WHEREOF, the Depositor and the Owner Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized, all as of the day and year first above written. RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as Depositor By: /S/ PATRICIA C. TAYLOR ---------------------- Name: Patricia C. Taylor Title: Vice President WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee, except with respect to the representations and warranties contained in Section 6.03 hereof By: /S/ JILL K. MORRISON -------------------- Name: Jill K. Morrison Title: Financial Services Officer Acknowledged and Agreed: THE BANK OF NEW YORK, as Indenture Trustee, Certificate Registrar and Certificate Paying Agent By: /S/ JOHN POLITO ------------------------ Name: John Polito Title: Vice President 34 EXHIBIT A FORM OF CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE NOTES AS DESCRIBED IN THE AGREEMENT (AS DEFINED HEREIN). THIS CERTIFICATE IS ISSUED IN THE PERCENTAGE INTEREST SET FORTH BELOW. THE CERTIFICATEHOLDER OF THIS CERTIFICATE HEREBY CONSENTS TO ANY CHANGE IN ITS PERCENTAGE INTEREST IN ACCORDANCE WITH SUCH SECTION. THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND STATE LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND SUCH STATE LAWS AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 3.05 OF THE AGREEMENT. NO TRANSFER OF THIS CERTIFICATE SHALL BE MADE UNLESS THE CERTIFICATE REGISTRAR SHALL HAVE RECEIVED EITHER (i) A REPRESENTATION LETTER FROM THE TRANSFEREE OF THIS CERTIFICATE TO THE EFFECT THAT SUCH TRANSFEREE IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED TRANSACTION RESTRICTIONS AND THE FIDUCIARY RESPONSIBILITY REQUIREMENTS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"), ANY PERSON ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF OF ANY SUCH PLAN OR ANY PERSON USING "PLAN ASSETS," WITHIN THE MEANING OF THE DEPARTMENT OF LABOR REGULATIONS SECTION 2510.3-101, TO ACQUIRE THIS CERTIFICATE (EACH, A "PLAN INVESTOR"), OR (ii) IF THIS CERTIFICATE IS PRESENTED FOR REGISTRATION IN THE NAME OF A PLAN INVESTOR, AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE DEPOSITOR, THE OWNER TRUSTEE, THE SERVICER AND THE CERTIFICATE REGISTRAR, OR A CERTIFICATION IN THE FORM OF EXHIBIT G TO THE AGREEMENT, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY SUBSEQUENT ENACTMENTS) AND WILL NOT SUBJECT THE DEPOSITOR, THE OWNER TRUSTEE, THE SERVICER OR THE CERTIFICATE REGISTRAR TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT. THE TRANSFEREE OF THIS CERTIFICATE SHALL BE SUBJECT TO UNITED STATES FEDERAL WITHHOLDING TAX UNLESS THE CERTIFICATE REGISTRAR A-1 SHALL HAVE RECEIVED A CERTIFICATE OF NON-FOREIGN STATUS CERTIFYING AS TO THE TRANSFEREE'S STATUS AS A U.S. PERSON OR CORPORATION OR PARTNERSHIP UNDER U.S. LAW. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF THE SELLER, THE DEPOSITOR, THE SERVICER, THE INDENTURE TRUSTEE, THE OWNER TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES, EXCEPT AS EXPRESSLY PROVIDED IN THE AGREEMENT OR THE OTHER BASIC DOCUMENTS. A-2 Certificate No. Cut-Off Date: March 1, 2000 Date of Trust Agreement: March [__], 2000 First Payment Date: Percentage Interest: 100% April 18, 2000 Final Payment Date: ___________ __, ____ GMACM HOME LOAN-BACKED CERTIFICATE, SERIES 2000-HLTV1 evidencing a fractional undivided interest in GMACM Home Loan Trust 2000-HLTV1 (the "Issuer"), the property of which consists primarily of the Home Loans. This Certificate is payable solely from the assets of the Trust Estate, and does not represent an obligation of or interest in the Depositor, the Seller, the Servicer, the Indenture Trustee or the Owner Trustee or any of their Affiliates. This Certificate is not guaranteed or insured by any governmental agency or instrumentality or by the Depositor, the Seller, the Servicer, the Indenture Trustee or the Owner Trustee or any of their affiliates. None of the Depositor, the Seller, the Servicer, the Indenture Trustee or the Owner Trustee or any of their Affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that GMAC Mortgage Corporation is the registered owner of the Certificate Percentage Interest evidenced by this Certificate (as set forth on the face hereof) in certain distributions with respect to the Trust Estate, consisting primarily of the Home Loans, created by Residential Asset Mortgage Products, Inc. (the "Depositor"). The Trust (as defined herein) was created pursuant to a trust agreement dated as of March [__], 2000 (as amended and supplemented from time to time, the "Agreement"), between the Depositor and Wilmington Trust Company, as owner trustee (the "Owner Trustee," which term includes any successor entity under the Agreement), a summary of certain of the pertinent provisions of which is set forth hereafter. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the indenture dated as of March [__], 2000, between the Trust and the Indenture Trustee. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Certificateholder of this Certificate by virtue of the acceptance hereof assents and by which such Certificateholder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 18th day of each month or, if such 18th day is not a Business Day, the Business Day immediately following (the "Payment Date"), commencing on the first Payment Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month A-3 immediately preceding the month of such distribution (the "Record Date"), in an amount equal to the pro rata portion evidenced by this Certificate (based on the Percentage Interest stated on the face hereon) of the amount, if any, required to be distributed to Certificateholders of Certificates on such Payment Date. Distributions on this Certificate will be made as provided in the Agreement by the Certificate Paying Agent by wire transfer or check mailed to the Certificateholder of record in the Certificate Register without the presentation or surrender of this Certificate or the making of any notation hereon. Except as otherwise provided in the Agreement and notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Certificate Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency designated by the Certificate Registrar for that purpose in the City and State of New York. The initial Certificate Balance of this Certificate is set forth above. No transfer of this Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act"), and any applicable state securities laws or is made in accordance the Securities Act and such state laws. In the event that such a transfer is to be made, (i) the Certificate Registrar or the Depositor may require an opinion of counsel acceptable to and in form and substance satisfactory to the Certificate Registrar and the Depositor that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described in the Agreement and (iii) the Certificate Registrar shall require the transferee to execute an investment letter and a Certificate of Non-Foreign Status in the form described by the Agreement (or if a Certificate of Non-Foreign Status is not provided, an Opinion of Counsel as described in the Agreement), which investment letter and certificate or Opinion of Counsel shall not be at the expense of the Trust, the Owner Trustee, the Certificate Registrar or the Depositor. The Certificateholder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trust, the Owner Trustee, the Depositor, the Servicer and the Certificate Registrar against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. In connection with any such transfer, the Certificate Registrar (unless otherwise directed by the Depositor) will also require either (i) a representation letter, in the form as described by the Agreement, stating that the transferee is not an employee benefit or other plan subject to the prohibited transaction restrictions or the fiduciary responsibility requirements of ERISA or Section 4975 of the Code (a "Plan"), any person acting, directly or indirectly, on behalf of any such Plan or any Person using the "plan assets," within the meaning of the Department of Labor Regulations Section 2510.3-101, to effect such acquisition (collectively, a "Plan Investor") or (ii) if such transferee is a Plan Investor, an opinion of counsel acceptable to and in form and substance satisfactory to the Depositor, the Owner Trustee, the Servicer and the Certificate Registrar, or a certification in the form of Exhibit G to the Agreement, to the effect that the purchase or holding of such Certificate is permissible under applicable law, will not constitute or result in a prohibited transaction under Section 406 of ERISA or Section 4975 of the Code (or comparable provisions of any subsequent enactments) and will not subject the Depositor, the Owner Trustee, the Servicer or the Certificate Registrar to any obligation or liability (including obligations or liabilities under Section 406 of ERISA or Section 4975 of the Code) in addition to those undertaken in the Agreement. A-4 This Certificate is one of a duly authorized issue of Certificates designated as GMACM Home Loan-Backed Certificates of the Series specified hereon (the "Certificates"). The Certificateholder of this Certificate, by its acceptance hereof, agrees that it will look solely to the funds on deposit in the Distribution Account that have been released from the Lien of the Indenture for payment hereunder and that neither the Owner Trustee in its individual capacity nor the Depositor is personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement. The Certificateholder of this Certificate acknowledges and agrees that its rights to receive distributions in respect of this Certificate are subordinated to the rights of the Noteholders as described in the Indenture. Each Certificateholder, by its acceptance of a Certificate, covenants and agrees that such Certificateholder will not at any time institute against the Depositor, or join in any institution against the Depositor or the Trust of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings, or other proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations relating to the Certificates, the Notes, the Agreement or any of the other Basic Documents. The Agreement permits the amendment thereof as specified below, provided that any amendment be accompanied by the consent of the Credit Enhancer and an Opinion of Counsel to the Owner Trustee to the effect that such amendment complies with the provisions of the Agreement and will not cause the Trust to be subject to an entity level tax. If the purpose of any such amendment is to correct any mistake, eliminate any inconsistency, cure any ambiguity or deal with any matter not covered, it shall not be necessary to obtain the consent of any Certificateholder, but the Owner Trustee shall be furnished with a letter from each Rating Agency to the effect that such amendment will not cause a Rating Event, determined without regard to the Policy, and the counsel of the Credit Enhancer shall be obtained. If the purpose of any such amendment is to prevent the imposition of any federal or state taxes at any time that any Security is Outstanding, it shall not be necessary to obtain the consent of the any Certificateholder, but the Owner Trustee shall be furnished with an Opinion of Counsel that such amendment is necessary or helpful to prevent the imposition of such taxes and is not materially adverse to any Certificateholder and the consent of the Credit Enhancer shall be obtained. If the purpose of the amendment is to add or eliminate or change any provision of the Agreement, other than as specified in the preceding two sentences, the amendment shall require either (a) a letter from each Rating Agency to the effect that such amendment will not cause a Rating Event, determined without regard to the Policy or (b) the consent of Certificateholders of a majority of the Percentage Interests of the Certificates and the Indenture Trustee; PROVIDED, HOWEVER, that no such amendment shall (i) reduce in any manner the amount of, or delay the time of, payments received that are required to be distributed on any Certificate without the consent of all Certificateholders affected thereby and the Credit Enhancer, or (ii) reduce the aforesaid percentage of Certificates the Certificateholders of which are required to consent to any such amendment without the consent of the Certificateholders of all such Certificates then outstanding. A-5 As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies of the Certificate Registrar maintained in the City and State of New York, accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Certificateholder hereof or such Certificateholder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee. The initial Certificate Registrar appointed under the Agreement is the Owner Trustee. Except as provided in the Agreement, the Certificates are issuable only in minimum denominations of a 10.0000% Percentage Interest and in integral multiples of a 0.0001% Percentage Interest in excess thereof. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of authorized denominations, as requested by the Certificateholder surrendering the same. This Certificate is issued in the Percentage Interest above. No service charge will be made for any such registration of transfer or exchange, but the Owner Trustee or the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge payable in connection therewith. The Owner Trustee, the Certificate Paying Agent, the Certificate Registrar and any agent of the Owner Trustee, the Certificate Paying Agent, or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Owner Trustee, the Certificate Paying Agent, the Certificate Registrar or any such agent shall be affected by any notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of Delaware. The obligations created by the Agreement in respect of this Certificate and the Trust created thereby shall terminate upon the final distribution of all moneys or other property or proceeds of the Trust Estate in accordance with the terms of the Indenture and the Agreement. Unless the certificate of authentication hereon shall have been executed by an authorized officer of the Owner Trustee, or an authenticating agent by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. A-6 IN WITNESS WHEREOF, the Owner Trustee, on behalf of the Trust and not in its individual capacity, has caused this Certificate to be duly executed. GMACM HOME LOAN TRUST 2000-HLTV1 By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee Dated: March [__], 2000 By:____________________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Certificates referred to in the within mentioned Agreement. WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee By:______________________________________ Authorized Signatory or______________________________________, as Authenticating Agent of the Trust By:______________________________________ Authorized Signatory A-7 ASSIGNMENT FOR VALUE RECEIVED the undersigned hereby sells, assigns and transfers unto PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE _______________________________________________________________________________ (Please print or type name and address, including postal zip code, of assignee) _______________________________________________________________________________ the within Certificate, and all rights thereunder, hereby irrevocably constituting and appointing _______________________________________________________________________________ to transfer said Certificate on the books of the Certificate Registrar, with full power of substitution in the premises. Dated: _____________________________________ */ Signature Guaranteed: ___________________________ */ */ NOTICE: The signature to this assignment must correspond with the name as it appears upon the face of the within Certificate in every particular, without alteration, enlargement or any change whatever. Such signature must be guaranteed by a member firm of the New York Stock Exchange or a commercial bank or trust company. A-8 DISTRIBUTION INSTRUCTIONS The assignee should include the following for the informat on of the Certificate Paying Agent: Distribution shall be made by wire transfer in immediately available funds to___________________________________________ _____________________________________________ for the account of_____________________, account number ________________, or, if mailed by check, to _____________________. Applicable statements should be mailed to ________________________. -------------------------------- Signature of assignee or agent (for authorization of wire transfer only) A-9 EXHIBIT B CERTIFICATE OF TRUST OF GMACM HOME LOAN TRUST 2000-HLTV1 THE UNDERSIGNED, Wilmington Trust Company, as owner trustee (the "Trustee"), for the purpose of forming a business trust does hereby certify as follows: 1. The name of the business trust is: GMACM HOME LOAN TRUST 2000-HLTV1 2. The name and business address of the Trustee of the business trust in the State Delaware is Wilmington Trust Company, Rodney Square North, 1100 North Market Street, Wilmington, Delaware 19890. 3. The business trust reserves the right to amend, alter, change, or repeal any provision contained in this Certificate of Trust in the manner now or hereafter prescribed by law. 4. This Certificate of Trust shall be effective upon filing. THE UNDERSIGNED, being the Trustee hereinbefore named, for the purpose of forming a business trust pursuant to the provisions of the Delaware Business Trust Act, does make this certificate of trust, hereby declaring and further certifying that this is its act and deed and that to the best of the undersigned's knowledge and belief the facts herein stated are true. WILMINGTON TRUST COMPANY, not in its individual capacity but solely as owner trustee under the trust agreement to be dated as of March [__], 2000 By:________________________________________ Name: Title: Dated: March [__], 2000 B-1 EXHIBIT C [FORM OF RULE 144A INVESTMENT REPRESENTATION] Description of Rule 144A Securities, including numbers: ____________________________________________________ ____________________________________________________ ____________________________________________________ ____________________________________________________ The undersigned seller, as registered holder (the "Seller"), intends to transfer the Rule 144A Securities described above to the undersigned buyer (the "Buyer"). 1. In connection with such transfer and in accordance with the agreements pursuant to which the Rule 144A Securities were issued, the Seller hereby certifies the following facts: Neither the Seller nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the Securities Act of 1933, as amended (the "1933 Act"), or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, and that the Seller has not offered the Rule 144A Securities to any person other than the Buyer or another "qualified institutional buyer" as defined in Rule 144A under the 1933 Act. 2. The Buyer warrants and represents to, and covenants with, the Owner Trustee and the Depositor, pursuant to Section 3.05 of the trust agreement dated as of March [__], 2000 (the "Agreement"), between Residential Asset Mortgage Products, Inc., as depositor (the "Depositor"), and The Bank of New York, as indenture trustee (the "Indenture Trustee"), as follows: a. The Buyer understands that the Rule 144A Securities have not been registered under the 1933 Act or the securities laws of any state. b. The Buyer considers itself a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of investment in the Rule 144A Securities. c. The Buyer has been furnished with all information regarding the Rule 144A Securities that it has requested from the Seller, the Indenture Trustee, the Owner Trustee or the Servicer. d. Neither the Buyer nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule C-1 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the 1933 Act or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, nor will it act, nor has it authorized or will it authorize any person to act, in such manner with respect to the Rule 144A Securities. e. The Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the 1933 Act and has completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. The Buyer is aware that the sale to it is being made in reliance on Rule 144A. The Buyer is acquiring the Rule 144A Securities for its own account or the accounts of other qualified institutional buyers, understands that such Rule 144A Securities may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from registration under the 1933 Act. 3. The Buyer represents that: (i) either (a) or (b) is satisfied, as marked below: ___ a. The Buyer is not any employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or the Internal Revenue Code of 1986, as amended (the "Code"), a Person acting, directly or indirectly, on behalf of any such plan or any Person acquiring such Certificates with "plan assets" of a Plan within the meaning of the Department of Labor Regulations Section 2510.3-101; or ___ b. The Buyer will provide the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer with either: (x) an opinion of counsel, satisfactory to the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer, to the effect that the purchase and holding of a Certificate by or on behalf of the Buyer is permissible under applicable law, will not constitute or result in a prohibited transaction under Section 406 of ERISA or Section 4975 of the Code (or comparable provisions of any subsequent enactments) and will not subject the Depositor, the Owner Trustee, the Certificate Registrar or the Servicer to any obligation or liability (including liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Trust Agreement, which opinion of counsel shall not be an expense of the Depositor, the Owner Trustee, the Certificate Registrar or the Servicer; or (y) in lieu of such opinion of counsel, a certification in the form of Exhibit G to the Trust Agreement; and C-2 (ii) the Buyer is familiar with the prohibited transaction restrictions and fiduciary responsibility requirements of Sections 406 and 407 of ERISA and Section 4975 of the Code and understands that each of the parties to which this certification is made is relying and will continue to rely on the statements made in this paragraph 3. This document may be executed in one or more counterparts and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed to be an original; such counterparts, together, shall constitute one and the same document. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the indenture dated as of March [__], 2000, between the Trust and the Indenture Trustee. C-3 IN WITNESS WHEREOF, each of the parties has executed this document as of the date set forth below. _______________________________ ___________________________________ Print Name of Seller Print Name of Buyer By:____________________________ By:________________________________ Name: Name: Title: Title: Taxpayer Identification: Taxpayer Identification: No.____________________________ No.________________________________ Date:__________________________ Date:______________________________ C-4 ANNEX 1 TO EXHIBIT C QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers Other Than Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this certification is attached: 1. As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer. 2. In connection with purchases by the Buyer, the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested on a discretionary basis $ 1 in securities (except for the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below. _____CORPORATION, ETC. The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code. _____BANK.The Buyer (a) is a national bank or banking institution organized under the laws of any state, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the state or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto. _____SAVINGS AND LOAN. The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a state or federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements. _____BROKER-DEALER. The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934, as amended. _____________________ 1 Buyer must own and/or invest on a discretionary basis at least $100,000,000 in securities unless Buyer is a dealer, and, in that case, Buyer must own and/or invest on a discretionary basis at least $10,000,000 in securities. C-5 _____INSURANCE COMPANY. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a state or territory or the District of Columbia. _____STATE OR LOCAL PLAN. The Buyer is a plan established and maintained by a state, its political subdivisions, or any agency or instrumentality of the state or its political subdivisions, for the benefit of its employees. _____ERISA PLAN. The Buyer is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974, as amended. _____INVESTMENT ADVISER. The Buyer is an investment adviser registered under the Investment Advisers Act of 1940. as amended. _____SBIC. The Buyer is a Small Business Investment Company licensed by the U.S. Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958, as amended. _____BUSINESS DEVELOPMENT COMPANY. The Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisers Act of 1940, as amended. _____TRUST FUND. The Buyer is a trust fund whose trustee is a bank or trust company and whose participants are exclusively (a) plans established and maintained by a state, its political subdivisions, or any agency or instrumentality of the state or its political subdivisions, for the benefit of its employees, or (b) employee benefit plans within the meaning of Title I of the Employee Retirement Income Security Act of 1974, as amended, but is not a trust fund that includes as participants individual retirement accounts or H.R. 10 plans. 3. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer, (ii) securities that are part of an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps. 4. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Buyer, the Buyer used the cost of such securities to the Buyer and did not include any of the securities referred to in the preceding paragraph. Further, in determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the Buyer, but only if such subsidiaries are consolidated with the Buyer in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Buyer's direction. However, such securities were not included if the Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a reporting company under the Securities Exchange Act of 1934, as amended. C-6 5. The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Rule 144A Securities are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A. ____ ____ Will the Buyer be purchasing the Rule 144A Yes No Securities only for the Buyer's own account? 6. If the answer to the foregoing question is "no", the Buyer agrees that, in connection with any purchase of securities sold to the Buyer for the account of a third party (including any separate account) in reliance on Rule 144A, the Buyer will only purchase for the account of a third party that at the time is a "qualified institutional buyer" within the meaning of Rule 144A. In addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the Buyer has obtained a current representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such third party independently meets the definition of "qualified institutional buyer" set forth in Rule 144A. 7. The Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date of such purchase. ______________________________________ Print Name of Buyer By:___________________________________ Name: Title: Date:_________________________________ C-7 ANNEX 2 TO EXHIBIT C QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers That Are Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this certification is attached: 1. As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser. 2. In connection with purchases by Buyer, the Buyer is a "qualified institutional buyer" as defined in Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Buyer alone, or the Buyer's Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year. For purposes of determining the amount of securities owned by the Buyer or the Buyer's Family of Investment Companies, the cost of such securities was used. ____ The Buyer owned $______________________ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). ____ The Buyer is part of a Family of Investment Companies which owned in the aggregate $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). 3. The term "Family of Investment Companies" as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other). 4. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and commodity swaps. 5. The Buyer is familiar with Rule 144A and understands that each of the parties to which this certification is made are relying and will continue to rely on the statements made C-8 herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the Buyer will only purchase for the Buyer's own account. 6. The undersigned will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase. ________________________________________ Print Name of Buyer By:_____________________________________ Name: Title: IF AN ADVISER: ________________________________________ Print Name of Buyer Date:___________________________________ C-9 EXHIBIT D FORM OF INVESTOR REPRESENTATION LETTER ________________,_____ Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 The Bank of New York One Wall Street New York, New York 10286 Attention: [____________________] Re: Residential Asset Mortgage Products, Inc., GMACM HOME LOAN-BACKED CERTIFICATES, SERIES 2000-HLTV1 Ladies and Gentlemen: ___________________ (the "Purchaser") intends to purchase from (the "Seller") $ [Certificate Percentage Interest of Certificates] of Series 2000-HLTV1 (the "Certificates"), issued pursuant to the trust agreement dated as of March [__], 2000 (the "Trust Agreement"), between Residential Asset Mortgage Products, Inc., as depositor (the "Depositor") and Wilmington Trust Company, as owner trustee (the "Owner Trustee"), as acknowledged and agreed by The Bank of New York, as Certificate Registrar. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the indenture dated as of March [__], 2000, between the Trust and the Indenture Trustee. The Purchaser hereby certifies, represents and warrants to, and covenants with, the Depositor and the Certificate Registrar that: 1. The Purchaser understands that (a) the Certificates have not been and will not be registered or qualified under the Securities Act of 1933, as amended (the "Act"), or any state securities law, (b) the Company is not required to so register or qualify the Certificates, (c) the Certificates may be resold only if registered and qualified pursuant to the provisions of the Act or any state securities law, or if an exemption from such registration and qualification is available, (d) the Trust Agreement contains restrictions regarding the transfer of the Certificates and (e) the Certificates will bear a legend to the foregoing effect. 2. The Purchaser is acquiring the Certificates for its own account for investment only and not with a view to or for sale in connection with any distribution thereof in any manner that would violate the Act or any applicable state securities laws. 3. The Purchaser is (a) a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters, and, in D-1 particular, in such matters related to securities similar to the Certificates, such that it is capable of evaluating the merits and risks of investment in the Certificates, (b) able to bear the economic risks of such an investment and (c) an "accredited investor" within the meaning of Rule 501(a) promulgated pursuant to the Act. 4. The Purchaser has been furnished with, and has had an opportunity to review a copy of the Trust Agreement and such other information concerning the Certificates, the Home Loans and the Depositor as has been requested by the Purchaser from the Depositor or the Seller and is relevant to the Purchaser's decision to purchase the Certificates. The Purchaser has had any questions arising from such review answered by the Depositor or the Seller to the satisfaction of the Purchaser. 5. The Purchaser has not and will not nor has it authorized or will it authorize any person to (a) offer, pledge, sell, dispose of or otherwise transfer any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) solicit any offer to buy or to accept a pledge, disposition of other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) otherwise approach or negotiate with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) make any general solicitation by means of general advertising or in any other manner or (e) take any other action, that (as to any of (a) through (d) above) would constitute a distribution of any Certificate under the Act, that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Purchaser will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Trust Agreement. 6. The Purchaser represents: (i) that either (a) or (b) is satisfied, as marked below: ____ a. The Purchaser is not any employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or the Internal Revenue Code of 1986, as amended (the "Code"), a Person acting, directly or indirectly, on behalf of any such plan or any Person acquiring such Certificates with "plan assets" of a Plan within the meaning of the Department of Labor Regulations Section 2510.3-101; or ____ b. The Purchaser will provide the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer with either: (x) an opinion of counsel, satisfactory to the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer, to the effect that the purchase and holding of a Certificate by or on behalf of the Purchaser is permissible under applicable law, will not constitute or result in a prohibited transaction under Section 406 of ERISA or Section 4975 of the Code (or comparable provisions of any subsequent enactments) and will not subject the Depositor, the Owner Trustee, the Certificate Registrar or the Servicer to any obligation or liability (including liabilities under ERISA or Section 4975 of D-2 the Code) in addition to those undertaken in the Trust Agreement, which opinion of counsel shall not be an expense of the Depositor, the Owner Trustee, the Certificate Registrar or the Servicer; or (y) in lieu of such opinion of counsel, a certification in the form of Exhibit G to the Trust Agreement; and (ii) the Purchaser is familiar with the prohibited transaction restrictions and fiduciary responsibility requirements of Sections 406 and 407 of ERISA and Section 4975 of the Code and understands that each of the parties to which this certification is made is relying and will continue to rely on the statements made in this paragraph 6. 7. The Purchaser is not a non-United States person. Very truly yours, _______________________________ By:_____________________________ Name: Title: D-3 EXHIBIT E FORM OF TRANSFEROR REPRESENTATION LETTER ________________,______ Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 The Bank of New York One Wall Street New York, New York 10286 Re: Residential Asset Mortgage Products, Inc. GMACM HOME LOAN-BACKED CERTIFICATES, SERIES 2000-HLTV1 Ladies and Gentlemen: ___________________ (the "Purchaser") intends to purchase from _________________ (the "Seller") a ______% Percentage Interest of Certificates of Series 2000-HLTV1 (the "Certificates"), issued pursuant to the trust agreement dated as of March [__], 2000 (the "Trust Agreement"), between Residential Asset Mortgage Products, Inc., as depositor (the "Depositor"), and Wilmington Trust Company, as owner trustee (the "Owner Trustee"), as acknowledged and agreed by The Bank of New York, as Certificate Registrar. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the indenture dated as of March [__], 2000, between the Trust and the Indenture Trustee. The Seller hereby certifies, represents and warrants to, and covenants with, the Depositor and the Certificate Registrar that: Neither the Seller nor anyone acting on its behalf has (a) offered, pledged, sold, disposed of or otherwise transferred any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) has solicited any offer to buy or to accept a pledge, disposition or other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) has otherwise approached or negotiated with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) has made any general solicitation by means of general advertising or in any other manner, or (e) has taken any other action, that (as to any of (a) through (e) above) would constitute a distribution of the Certificates under the Securities Act of 1933 (the "Act"), that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Seller will E-1 not act, in any manner set forth in the foregoing sentence with respect to any Certificate. The Seller has not and will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Trust Agreement. Very truly yours, __________________________________ (Seller) By:________________________________ Name: Title: E-2 EXHIBIT F FORM OF CERTIFICATE OF NON-FOREIGN STATUS This Certificate of Non-Foreign Status is delivered pursuant to Section 3.05 of the trust agreement dated as of March [__], 2000 (the "Trust Agreement"), between Residential Asset Mortgage Products, Inc., as depositor (the "Depositor"), and Wilmington Trust Company, as owner trustee, in connection with the acquisition of, transfer to or possession by the undersigned, whether as beneficial owner (the "Beneficial Owner"), or nominee on behalf of the Beneficial Owner of GMACM Home Loan-Backed Certificates, Series 2000-HLTV1 (the "Certificates"). Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the indenture dated as of March [__], 2000, between the Trust and the Indenture Trustee. Each holder must complete Part I, Part II (if the holder is a nominee), and in all cases sign and otherwise complete Part III. In addition, each holder shall submit with the Certificate an IRS Form W-9 relating to such holder. To confirm to the Trust that the provisions of Sections 871, 881 or 1446 of the Internal Revenue Code (relating to withholding tax on foreign partners) do not apply in respect of the Certificates held by the undersigned, the undersigned hereby certifies: Part I - Complete Either A or B A. Individual as Beneficial Owner 1. I am (the Beneficial Owner is ) not a non-resident alien for purposes of U.S. income taxation; 2. My (the Beneficial Owner's) name and home address are: ______________________________________ ______________________________________ ______________________________________; and 3. My (the Beneficial Owner's) U.S. taxpayer identification number (Social Security Number) is _______________________. B. Corporate, Partnership or Other Entity as Beneficial Owner 1. ________________________(Name of the Beneficial Owner) is not a foreign corporation, foreign partnership, foreign trust or foreign estate (as those terms are defined in the Code and Treasury Regulations; 2. The Beneficial Owner's office address and place of incorporation (if applicable) is F-1 ______________________________________ ______________________________________ ______________________________________; and 3. The Beneficial Owner's U.S. employer identification number is ____________________________. Part II - Nominees If the undersigned is the nominee for the Beneficial Owner, the undersigned certifies that this Certificate has been made in reliance upon information contained in: ____ an IRS Form W-9 ____ a form such as this or substantially similar provided to the undersigned by an appropriate person and (i) the undersigned agrees to notify the Trust at least thirty (30) days prior to the date that the form relied upon becomes obsolete, and (ii) in connection with change in Beneficial Owners, the undersigned agrees to submit a new Certificate of Non-Foreign Status to the Trust promptly after such change. Part III - Declaration The undersigned, as the Beneficial Owner or a nominee thereof, agrees to notify the Trust within sixty (60) days of the date that the Beneficial Owner becomes a foreign person. The undersigned understands that this certificate may be disclosed to the Internal Revenue Service by the Trust and any false statement contained therein could be punishable by fines, imprisonment or both. Under penalties of perjury, I declare that I have examined this certificate and to the best of my knowledge and belief it is true, correct and complete and will further declare that I will inform the Trust of any change in the information provided above, and, if applicable, I further declare that I have the authority* to sign this document. _____________________________________ Name _____________________________________ Title (if applicable) _____________________________________ Signature and Date *NOTE: If signed pursuant to a power of attorney, the power of attorney must accompany this certificate. F-2 EXHIBIT G FORM OF ERISA REPRESENTATION LETTER __________________,_____ Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 Wilmington Trust Company Rodney Square North 1100 North Market Street Wilmington, Delaware 19890 GMAC Mortgage Corporation 100 Witmer Road Horsham, Pennsylvania 19044 The Bank of New York One Wall Street New York, New York 10286 Re: Residential Asset Mortgage Products, Inc. GMACM HOME LOAN-BACKED CERTIFICATES, SERIES 2000-HLTV1 Dear Sirs: _________________________________ (the "Transferee") intends to acquire from ___________________________ (the "Transferor") a ____% Percentage Interest of GMACM Home Loan-Backed Certificates, Series 2000-HLTV1 (the "Certificates"), issued pursuant to a trust agreement dated as of March [__], 2000, between Residential Asset Mortgage Products, Inc., as depositor (the "Depositor"), and Wilmington Trust Company, as owner trustee (the "Owner Trustee"). Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the indenture dated as of March [__], 2000, between the Trust and the Indenture Trustee. The Transferee hereby certifies, represents and warrants to, and covenants with, the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer that either: (1) The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of Section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or other retirement arrangement, including individual retirement accounts and annuities, Keogh plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of G-1 ERISA or Section 4975 of the Internal Revenue Code of 1986, as amended (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") Regulations Section 2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL Regulations Section 2510.3-101; or (2) The purchase of the Certificates is permissible under applicable law, will not constitute or result in any prohibited transaction under ERISA or Section 4975 of the Code, will not subject the Depositor or the Owner Trustee to any obligation in addition to those undertaken in the Trust Agreement and, with respect to each source of funds being used by the Transferee to acquire the Certificates (each being referred to as a "Source") and the following statements in either (a) or (b): (a) the Transferee is an insurance company and (i) the Source is assets of its "general account," (ii) the conditions set forth in PTCE 95-60 issued by the DOL have been satisfied and the purchase and holding of Certificates by or on behalf of the Transferee are exempt under PTCE 95-60, (iii) less then 25% of the Transferee's general account constitute "plan assets" of "benefit plan investors" within the meaning of DOL Regulations Section 2510.3-101(f)(2), and (iv) the amount of reserves and liabilities for such general account contracts held by or on behalf of any Plan do not exceed 10% of the total reserves and liabilities of such general account plus surplus as of the date hereof (for purposes of this clause, all Plans maintained by the same employer (or affiliate thereof) or employee organization are deemed to be a single Plan) in connection with its purchase and holding of such Certificates; or (b) the Transferee is an insurance company and (i) the Source is assets of its "general account," (ii) the requirements of Section 401(c) of ERISA and the DOL Regulations to be promulgated thereunder ("401(c) Regulations") have been satisfied and will continue to be satisfied and (iii) the Transferee represents that it understands that the operation of the general account after December 31, 1998 may affect its ability to continue to hold the Certificates after July 5, 2001 and, unless a class exemption issued by the DOL or an exception under Section 401(c) of ERISA is then available for the continued holding of Certificates, if the assets of the general account constitute "plan assets" within the meaning of DOL Regulations Section 2510.3-101, it will dispose of the Certificates prior to July 5, 2001. G-2 (3) The Transferee is familiar with the prohibited transaction restrictions and fiduciary responsibility requirements of Sections 406 and 407 of ERISA and Section 4975 of the Code and understands that each of the parties to which this certification is made is relying and will continue to rely on the statements made herein. Very truly yours, ____________________________________ By:_________________________________ Name: Title: G-3 EXHIBIT H FORM OF REPRESENTATION LETTER __________________,_____ Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 Wilmington Trust Company Rodney Square North 1100 North Market Street Wilmington, Delaware 19890 GMAC Mortgage Corporation 100 Witmer Road Horsham, Pennsylvania 19044 The Bank of New York One Wall Street New York, New York 10286 Re: Residential Asset Mortgage Products, Inc. GMACM HOME LOAN-BACKED CERTIFICATES, SERIES 2000-HLTV1 Dear Sirs: ________________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") a ____% Percentage Interest of GMACM Home Loan-Backed Certificates, Series 2000-HLTV1 (the "Certificates"), issued pursuant to a trust agreement dated as of March [__], 2000 (the "Trust Agreement"), Residential Asset Mortgage Products, Inc., as depositor (the "Depositor"), and Wilmington Trust Company, as owner trustee (the "Owner Trustee"). Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the indenture dated as of March [__], 2000, between the Trust and the Indenture Trustee. The Transferee hereby certifies, represents and warrants to, and covenants with, the Depositor, the Owner Trustee, the Certificate Registrar and the Servicer that: (1) the Transferee is acquiring the Certificate for its own behalf and is not acting as agent or custodian for any other person or entity in connection with such acquisition; and H-1 (2) the Transferee is not a partnership, grantor trust or S corporation for federal income tax purposes, or, if the Transferee is a partnership, grantor trust or S corporation for federal income tax purposes, the Certificates are not more than 50% of the assets of the partnership, grantor trust or S corporation. Very truly yours, ___________________________________ By:________________________________ Name: Title: H-2 EX-3.(I) 4 INDENTURE EXHIBIT 4.3 EXECUTION COPY GMACM HOME LOAN TRUST 2000-HLTV1, Issuer, and THE BANK OF NEW YORK, Indenture Trustee ------------------------ INDENTURE ------------------------ Dated as of March 30, 2000 GMACM HOME LOAN-BACKED TERM NOTES TABLE OF CONTENTS PAGE ARTICLE I Definitions..........................................2 Section 1.01 Definitions....................................2 Section 1.02 Incorporation by Reference of Trust Indenture Act............................................2 Section 1.03 Rules of Construction..........................2 ARTICLE II Original Issuance of Notes...........................3 Section 2.01 Form...........................................3 Section 2.02 Execution, Authentication and Delivery.........3 ARTICLE III Covenants............................................4 Section 3.01 Collection of Payments with Respect to the Home Loans.....................................4 Section 3.02 Maintenance of Office or Agency................4 Section 3.03 Money for Payments to Be Held in Trust; Paying Agent...................................4 Section 3.04 Existence......................................6 Section 3.05 Priority of Distributions......................6 Section 3.06 Protection of Trust Estate.....................8 Section 3.07 Opinions as to Trust Estate....................9 Section 3.08 Performance of Obligations; Servicing Agreement......................................9 Section 3.09 Negative Covenants............................10 Section 3.10 Annual Statement as to Compliance.............10 Section 3.11 Recordation of Assignments....................11 Section 3.12 Representations and Warranties Concerning the Home Loans.....................11 Section 3.13 Assignee of Record of the Home Loans..........11 Section 3.14 Servicer as Agent and Bailee of the Indenture Trustee11...........................11 Section 3.15 Investment Company Act........................11 Section 3.16 Issuer May Consolidate, etc...................12 Section 3.17 Successor or Transferee.......................13 Section 3.18 No Other Business.............................14 Section 3.19 No Borrowing..................................14 Section 3.20 Guarantees, Loans, Advances and Other Liabilities...................................14 Section 3.21 Capital Expenditures..........................14 i Section 3.22 Owner Trustee Not Liable for Certificates or Related Documents.............................14 Section 3.23 Restricted Payments...........................14 Section 3.24 Notice of Events of Default...................15 Section 3.25 Further Instruments and Acts..................15 Section 3.26 Statements to Noteholders.....................15 Section 3.27 Determination of Note Rate....................15 Section 3.28 Payments under the Policy.....................15 Section 3.29 Replacement Enhancement.......................16 Section 3.30 Payments under the Limited Reimbursement Agreement.....................................16 ARTICLE IV The Notes; Satisfaction and Discharge of Indenture..17 Section 4.01 The Notes;....................................17 Section 4.02 Registration of and Limitations on Transfer and Exchange of Notes; Appointment of Certificate Registrar..........17 Section 4.03 Mutilated, Destroyed, Lost or Stolen Notes....18 Section 4.04 Persons Deemed Owners.........................19 Section 4.05 Cancellation..................................19 Section 4.06 Book-Entry Notes..............................20 Section 4.07 Notices to Depository.........................20 Section 4.08 Definitive Notes..............................21 Section 4.09 Tax Treatment.................................21 Section 4.10 Satisfaction and Discharge of Indenture.......21 Section 4.11 Application of Trust Money....................22 Section 4.12 Subrogation and Cooperation...................22 Section 4.13 Repayment of Monies Held by Paying Agent......23 Section 4.14 Temporary Notes...............................24 ARTICLE V Default And Remedies................................24 Section 5.01 Events of Default.............................24 Section 5.02 Acceleration of Maturity; Rescission and Annulment.................................24 Section 5.03 Collection of Indebtedness and Suits for Enforcement by Indenture Trustee..........25 Section 5.04 Remedies; Priorities..........................27 Section 5.05 Optional Preservation of the Trust Estate.....29 ii Section 5.06 Limitation of Suits...........................29 Section 5.07 Unconditional Rights of Noteholders to Receive Principal and Interest........................30 Section 5.08 Restoration of Rights and Remedies............30 Section 5.09 Rights and Remedies Cumulative................30 Section 5.10 Delay or Omission Not a Waiver................30 Section 5.11 Control by Credit Enhancer or Noteholders.....31 Section 5.12 Waiver of Past Defaults.......................31 Section 5.13 Undertaking for Costs.........................32 Section 5.14 Waiver of Stay or Extension Laws..............32 Section 5.15 Sale of Trust Estate..........................32 Section 5.16 Action on Notes...............................34 Section 5.17 Performance and Enforcement of Certain Obligations...................................34 ARTICLE VI The Indenture Trustee...............................35 Section 6.01 Duties of Indenture Trustee...................35 Section 6.02 Rights of Indenture Trustee...................37 Section 6.03 Individual Rights of Indenture Trustee........38 Section 6.04 Indenture Trustee's Disclaimer................38 Section 6.05 Notice of Event of Default....................38 Section 6.06 Reports by Indenture Trustee to Noteholders...38 Section 6.07 Compensation and Indemnity....................39 Section 6.08 Replacement of Indenture Trustee..............39 Section 6.09 Successor Indenture Trustee by Merger.........40 Section 6.10 Appointment of Co-Indenture Trustee or Separate Indenture Trustee....................41 Section 6.11 Eligibility; Disqualification.................42 Section 6.12 Preferential Collection of Claims Against Issuer................................42 Section 6.13 Representations and Warranties................42 Section 6.14 Directions to Indenture Trustee...............43 Section 6.15 Indenture Trustee May Own Securities..........43 ARTICLE VII Noteholders' Lists and Reports......................43 Section 7.01 Issuer to Furnish Indenture Trustee Names and Addresses of Noteholders......................43 iii Section 7.02 Preservation of Information; Communications to Noteholders...................................43 Section 7.03 Reports by Issuer.............................44 Section 7.04 Reports by Indenture Trustee..................44 ARTICLE VIII Accounts, Disbursements and Releases................45 Section 8.01 Collection of Money...........................45 Section 8.02 Trust Accounts................................45 Section 8.03 Officer's Certificate.........................46 Section 8.04 Termination Upon Distribution to Noteholders..46 Section 8.05 Release of Trust Estate.......................46 Section 8.06 Surrender of Notes Upon Final Payment.........47 ARTICLE IX Supplemental Indentures.............................47 Section 9.01 Supplemental Indentures Without Consent of Noteholders................................47 Section 9.02 Supplemental Indentures With Consent of Noteholders................................48 Section 9.03 Execution of Supplemental Indentures..........50 Section 9.04 Effect of Supplemental Indenture..............50 Section 9.05 Conformity with Trust Indenture Act...........50 Section 9.06 Reference in Notes to Supplemental Indentures.50 ARTICLE X Miscellaneous.......................................50 Section 10.01 Compliance Certificates and Opinions, etc....50 Section 10.02 Form of Documents Delivered to Indenture Trustee......................................52 Section 10.03 Acts of Noteholders..........................53 Section 10.04 Notices, etc., to Indenture Trustee, Issuer, Credit Enhancer and Rating Agencies..........54 Section 10.05 Notices to Noteholders; Waiver...............54 Section 10.06 Alternate Payment and Notice Provisions......55 Section 10.07 Conflict with Trust Indenture Act............55 Section 10.08 Effect of Headings...........................55 Section 10.09 Successors and Assigns.......................56 Section 10.10 Severability.................................56 Section 10.11 Benefits of Indenture........................56 Section 10.12 Legal Holidays...............................56 Section 10.13 GOVERNING LAW................................56 iv Section 10.14 Counterparts.................................56 Section 10.15 Recording of Indenture.......................56 Section 10.16 Issuer Obligation............................56 Section 10.17 No Petition..................................57 Section 10.18 Inspection...................................57 v EXHIBITS Exhibit A - Form of Notes Appendix A - Definitions vi This Indenture, dated as of March 30, 2000, is between GMACM Home Loan Trust 2000-HLTV1, a Delaware business trust, as issuer (the "Issuer"), and The Bank of New York, a New York banking corporation, as indenture trustee (the "Indenture Trustee"). WITNESSETH: Each party hereto agrees as follows for the benefit of the other party and for the equal and ratable benefit of the Noteholders of the Issuer's Series 2000-HLTV1 GMACM Home Loan-Backed Term Notes (the "Notes"). GRANTING CLAUSE: The Issuer hereby Grants to the Indenture Trustee on the Closing Date, as trustee for the benefit of the Noteholders and the Credit Enhancer, all of the Issuer's right, title and interest in and to all accounts, chattel paper, general intangibles, contract rights, certificates of deposit, deposit accounts, instruments, documents, letters of credit, money, advices of credit, investment property, goods and other property consisting of, arising under or related to whether now existing or hereafter created in any of the following: (a) the Initial Home Loans and any Subsequent Home Loans, and all monies due or to become due thereunder; (b) the Note Payment Account, and all funds on deposit or credited thereto from time to time and all proceeds thereof; (c) the Capitalized Interest Account, and all funds on deposit or credited thereto from time to time (other than any income thereon), and the Pre-Funding Account, and all funds on deposit or credited thereto from time to time; (d) the Policy; and (e) all present and future claims, demands, causes and choses in action in respect of any or all of the foregoing and all payments on or under, and all proceeds of every kind and nature whatsoever in respect of, any or all of the foregoing and all payments on or under, and all proceeds of every kind and nature whatsoever in the conversion thereof, voluntary or involuntary, into cash or other liquid property, all cash proceeds, accounts, accounts receivable, notes, drafts, acceptances, checks, deposit accounts, rights to payment of any and every kind, and other forms of obligations and receivables, instruments and other property which at any time constitute all or part of or are included in the proceeds of any of the foregoing (collectively, the "Trust Estate" or the "Collateral"). The foregoing Grant is made in trust to secure the payment of principal of and interest on, and any other amounts owing in respect of, the Notes, equally and ratably without prejudice, priority or distinction, and to secure compliance with the provisions of this Indenture, all as provided in this Indenture. The foregoing Grant shall inure to the benefit of the Credit Enhancer in respect of draws made on the Policy and amounts owing from time to time pursuant to the Insurance Agreement (regardless of whether such amounts relate to the Notes or the Certificates), and such Grant shall continue in full force and effect for the benefit of the Credit Enhancer until all such amounts owing to it have been repaid in full. The Indenture Trustee, as trustee on behalf of the Noteholders, acknowledges such Grant, accepts the trust under this Indenture in accordance with the provisions hereof and agrees to perform its duties as Indenture Trustee as required herein. ARTICLE I Definitions Section 1.01 DEFINITIONS. For all purposes of this Indenture, except as otherwise expressly provided herein or unless the context otherwise requires, capitalized terms not otherwise defined herein shall have the meanings assigned to such terms in the Definitions attached hereto as Appendix A, which is incorporated by reference herein. All other capitalized terms used herein shall have the meanings specified herein. Section 1.02 INCORPORATION BY REFERENCE OF TRUST INDENTURE ACT. Whenever this Indenture refers to a provision of the Trust Indenture Act (the "TIA"), such provision is incorporated by reference in and made a part of this Indenture. The following TIA terms used in this Indenture have the following meanings: "Commission" means the Securities and Exchange Commission. "indenture securities" means the Notes. "indenture security holder" means a Noteholder. "indenture to be qualified" means this Indenture. "indenture trustee" or "institutional trustee" means the Indenture Trustee. "obligor" on the indenture securities means the Issuer and any other obligor on the indenture securities. All other TIA terms used in this Indenture that are defined by TIA, defined by TIA reference to another statute or defined by Commission rule have the meaning assigned to them by such definitions. Section 1.03 RULES OF CONSTRUCTION. Unless the context otherwise requires: (a) a term has the meaning assigned to it; (b) an accounting term not otherwise defined has the meaning assigned to it in accordance with generally accepted accounting principles as in effect from time to time; (c) "or" includes "and/or"; (d) "including" means "including without limitation"; 2 (e) words in the singular include the plural and words in the plural include the singular; (f) the term "proceeds" has the meaning ascribed thereto in the UCC; and (g) any agreement, instrument or statute defined or referred to herein or in any instrument or certificate delivered in connection herewith means such agreement, instrument or statute as from time to time amended, modified or supplemented and includes (in the case of agreements or instruments) references to all attachments thereto and instruments incorporated therein; references to a Person are also to its permitted successors and assigns. ARTICLE II Original Issuance of Notes Section 2.01 FORM. The Notes, together with the Indenture Trustee's certificate of authentication, shall be in substantially the form set forth in Exhibit A, with such appropriate insertions, omissions, substitutions and other variations as are required or permitted by this Indenture and may have such letters, numbers or other marks of identification and such legends or endorsements placed thereon as may, consistently herewith, be determined by the officers executing the Notes, as evidenced by their execution thereof. Any portion of the text of any Note may be set forth on the reverse thereof, with an appropriate reference thereto on the face of such Note. The Notes shall be typewritten, printed, lithographed or engraved or produced by any combination of these methods (with or without steel engraved borders), all as determined by the Authorized Officers executing such Notes, as evidenced by their execution of such Notes. The terms of the Notes set forth in Exhibit A are part of the terms of this Indenture. Section 2.02 EXECUTION, AUTHENTICATION AND DELIVERY. The Notes shall be executed on behalf of the Issuer by any of its Authorized Officers. The signature of any such Authorized Officer on the Notes may be manual or facsimile. Notes bearing the manual or facsimile signature of individuals who were at any time Authorized Officers of the Issuer shall bind the Issuer, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Notes or did not hold such offices at the date of such Notes. The Indenture Trustee shall upon Issuer Request authenticate and deliver Notes for original issue in an aggregate initial principal amount of $155,000,000. The Class A-1, Class A-2, Class A-3 and Class A-4 Notes shall have an initial principal amount of $64,570,000, $18,887,000, $29,790,000 and $41,753,000, respectively. 3 Each Note shall be dated the date of its authentication. The Notes shall be issuable as registered Notes, and the Notes shall be issuable in minimum denominations of $25,000 and integral multiples of $1,000 in excess thereof. No Note shall be entitled to any benefit under this Indenture or be valid or obligatory for any purpose, unless there appears on such Note a certificate of authentication substantially in the form provided for herein executed by the Indenture Trustee by the manual signature of one of its authorized signatories, and such certificate upon any Note shall be conclusive evidence, and the only evidence, that such Note has been duly authenticated and delivered hereunder. ARTICLE III Covenants Section 3.01 COLLECTION OF PAYMENTS WITH RESPECT TO THE HOME LOANS. The Indenture Trustee shall establish and maintain with itself the Note Payment Account in which the Indenture Trustee shall, subject to the terms of this paragraph, deposit, on the same day as it is received from the Servicer, each remittance received by the Indenture Trustee with respect to the Home Loans. The Indenture Trustee shall make all payments of principal of and interest on the Notes, subject to Section 3.03 as provided in Section 3.05 herein from monies on deposit in the Note Payment Account. Section 3.02 MAINTENANCE OF OFFICE OR AGENCY. The Issuer will maintain in the City of New York, an office or agency where, subject to satisfaction of conditions set forth herein, Notes may be surrendered for registration of transfer or exchange, and where notices and demands to or upon the Issuer in respect of the Notes and this Indenture may be served. The Issuer hereby initially appoints the Indenture Trustee to serve as its agent for the foregoing purposes. If at any time the Issuer shall fail to maintain any such office or agency or shall fail to furnish the Indenture Trustee with the address thereof, such surrenders, notices and demands may be made or served at the Corporate Trust Office, and the Issuer hereby appoints the Indenture Trustee as its agent to receive all such surrenders, notices and demands. Section 3.03 MONEY FOR PAYMENTS TO BE HELD IN TRUST; PAYING AGENT. As provided in Section 3.01, all payments of amounts due and payable with respect to any Notes that are to be made from amounts withdrawn from the Note Payment Account pursuant to Section 3.01 shall be made on behalf of the Issuer by the Indenture Trustee or by the Paying Agent, and no amounts so withdrawn from the Note Payment Account for payments of Notes shall be paid over to the Issuer except as provided in this Section 3.03. The Issuer hereby appoints the Indenture Trustee to act as initial Paying Agent hereunder. The Issuer will cause each Paying Agent other than the Indenture Trustee to execute and deliver to the Indenture Trustee an instrument in which such Paying Agent shall agree with the Indenture Trustee (and if the Indenture Trustee acts as Paying Agent, it hereby so agrees), subject to the provisions of this Section 3.03, that such Paying Agent will: 4 (a) hold all sums held by it for the payment of amounts due with respect to the Notes in trust for the benefit of the Persons entitled thereto until such sums shall be paid to such Persons or otherwise disposed of as herein provided and pay such sums to such Persons as herein provided; (b) give the Indenture Trustee and the Credit Enhancer written notice of any default by the Issuer of which it has actual knowledge in the making of any payment required to be made with respect to the Notes; (c) at any time during the continuance of any such default, upon the written request of the Indenture Trustee, forthwith pay to the Indenture Trustee all sums so held in trust by such Paying Agent; (d) immediately resign as Paying Agent and forthwith pay to the Indenture Trustee all sums held by it in trust for the payment of Notes, if at any time it ceases to meet the standards required to be met by a Paying Agent at the time of its appointment; (e) comply with all requirements of the Code with respect to the withholding from any payments made by it on any Notes of any applicable withholding taxes imposed thereon and with respect to any applicable reporting requirements in connection therewith; and (f) deliver to the Indenture Trustee a copy of the statement to Noteholders prepared with respect to each Payment Date by the Servicer pursuant to Section 4.01 of the Servicing Agreement. The Issuer may at any time, for the purpose of obtaining the satisfaction and discharge of this Indenture or for any other purpose, by Issuer Request direct any Paying Agent to pay to the Indenture Trustee all sums held in trust by such Paying Agent, such sums to be held by the Indenture Trustee upon the same trusts as those upon which the sums were held by such Paying Agent; and upon such payment by any Paying Agent to the Indenture Trustee, such Paying Agent shall be released from all further liability with respect to such money. Subject to applicable laws with respect to escheat of funds, any money held by the Indenture Trustee or any Paying Agent in trust for the payment of any amount due with respect to any Note and remaining unclaimed for one year after such amount has become due and payable shall be discharged from such trust and be paid to the Issuer on Issuer Request; and the Noteholder of such Note shall thereafter, as an unsecured general creditor, look only to the Issuer for payment thereof (but only to the extent of the amounts so paid to the Issuer), and all liability of the Indenture Trustee or such Paying Agent with respect to such trust money shall thereupon cease; provided, however, that the Indenture Trustee or such Paying Agent, before being required to make any such repayment, shall at the expense and direction of the Issuer cause to be published once, in an Authorized Newspaper, notice that such money remains unclaimed and that, after a date specified therein, which shall not be less than 30 days from the date of such publication, any unclaimed balance of such money then remaining will be repaid to the Issuer. The Indenture Trustee may also adopt and employ, at the expense and direction of the Issuer, any 5 other reasonable means of notification of such repayment (including, but not limited to, mailing notice of such repayment to Noteholders the Notes which have been called but have not been surrendered for redemption or whose right to or interest in monies due and payable but not claimed is determinable from the records of the Indenture Trustee or of any Paying Agent, at the last address of record for each such Noteholder). Section 3.04 EXISTENCE. The Issuer will keep in full effect its existence, rights and franchises as a business trust under the laws of the State of Delaware (unless it becomes, or any successor Issuer hereunder is or becomes, organized under the laws of any other state or of the United States of America, in which case the Issuer will keep in full effect its existence, rights and franchises under the laws of such other jurisdiction) and will obtain and preserve its qualification to do business in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Indenture, the Notes, the Home Loans and each other instrument or agreement included in the Trust Estate. Section 3.05 PRIORITY OF DISTRIBUTIONS . (a) In accordance with Section 3.03(a) of the Servicing Agreement, the priority of distributions on each Payment Date from Principal Collections and Interest Collections in the Note Payment Account, any Policy Draw Amount deposited into the Note Payment Account pursuant to Section 3.28(a), and any payment under the Limited Reimbursement Agreement deposited therein pursuant to Section 3.30, is as follows: (i) for payment by the Paying Agent to the Noteholders of each Class of Notes, PRO RATA, interest for the related Interest Period at the related Note Rate on the related Note Balance immediately prior to such Payment Date; (ii) for payment by the Paying Agent to the Noteholders, as a distribution of principal on the Notes, the Principal Collection Distribution Amount for such Payment Date, to be paid to the Noteholders of the Class of Notes with the lowest numerical designation, until the Note Balance of such Class has been reduced to zero; (iii) for payment by the Paying Agent to the Noteholders, as a distribution of principal on the Notes, the Liquidation Loss Distribution Amount for such Payment Date, to be paid to the Noteholders of the Class of Notes with the lowest numerical designation, until the Note Balance of such Class has been reduced to zero; (iv) to pay to the Credit Enhancer, the Premium Amount for the Policy and any previously unpaid Premium Amounts, with interest thereon as provided in the Insurance Agreement, and to the designee or designees of the Credit Enhancer pursuant to Section 3.30, the amount of any monthly fee for the Limited Reimbursement Agreement, on a pro rata basis; (v) to the Credit Enhancer, to reimburse it for prior draws made on the Policy, with interest thereon as provided in the Insurance Agreement, 6 provided, that no such reimbursement shall be made in respect of amounts that were paid to the Indenture Trustee under the Limited Reimbursement Agreement, or for which the Credit Enhancer is entitled to reimbursement under the Limited Reimbursement Agreement; (vi) for payment by the Paying Agent to the Noteholders, as a distribution of principal on the Notes, the Overcollateralization Increase Amount for such Payment Date, to be paid to the Noteholders of the Class of Notes with the lowest numerical designation, until the Note Balance of such Class has been reduced to zero; (vii) to pay to the Credit Enhancer, any other amounts owed to the Credit Enhancer pursuant to the Insurance Agreement; (viii) to the Indenture Trustee, any amounts owing to the Indenture Trustee pursuant to Section 6.07 to the extent remaining unpaid; and (ix) any remaining amount, to the Distribution Account, for distribution to the Certificateholders by the Certificate Paying Agent; provided, that in the event that on a Payment Date a Credit Enhancer Default shall have occurred and be continuing, then the priorities of distributions described above will be adjusted such that payments of any amounts to be paid to the Credit Enhancer will not be paid until the full amount of interest and principal in accordance with clauses (i) through (iii) above that are due and required to be paid by the Credit Enhancer on the Notes on such Payment Date have been paid and provided, further, that on the Final Payment Date, the amount to be paid pursuant to clause (ii) above shall be equal to the Note Balance immediately prior to such Payment Date. For purposes of the foregoing, required payments of principal on the Notes on each Payment Date will include the portion allocable to the Notes of all Liquidation Loss Amounts for such Payment Date and for all previous Collection Periods until paid or covered in full, to the extent not otherwise covered by a Liquidation Loss Distribution Amount or a draw on the Policy (up to the outstanding Note Balance). On each Payment Date, the Paying Agent shall apply, from amounts on deposit in the Note Payment Account, and in accordance with the Servicing Certificate, the amounts set forth above in the order of priority set forth above. Amounts paid to Noteholders shall be paid in respect of the Notes in accordance with the applicable percentage as set forth in paragraph (b) below. Interest on the Class A-1 Notes will be computed on the basis of the actual number of days in each Interest Period and a 360-day year. Interest on the Class A-2 Notes, Class A-3 Notes and Class A-4 Notes will be computed on the basis of a 360-day year consisting of twelve 30-day months. Any installment of interest or principal payable on any Note that is punctually paid or duly provided for by the Issuer on the applicable Payment Date shall be paid to the Noteholder of record thereof on the immediately preceding Record Date by wire transfer to an account specified in writing by such Noteholder reasonably satisfactory to the Indenture Trustee, or by check or money order mailed to such Noteholder at such 7 Noteholder's address appearing in the Note Register, the amount required to be distributed to such Noteholder on such Payment Date pursuant to such Noteholder's Notes; provided, that the Indenture Trustee shall not pay to any such Noteholder any amounts required to be withheld from a payment to such Noteholder by the Code. (b) Principal of each Note shall be due and payable in full on the Final Payment Date as provided in the applicable form of Note set forth in Exhibit A. All principal payments on the Notes of each Class shall be made in accordance with the priorities set forth in paragraph (a) above to the Noteholders entitled thereto in accordance with the related Percentage Interests represented thereby. Upon written notice to the Indenture Trustee by the Issuer, the Indenture Trustee shall notify the Person in the name of which a Note is registered at the close of business on the Record Date preceding the Final Payment Date or other final Payment Date, as applicable. Such notice shall be mailed or faxed no later than five Business Days prior to the Final Payment Date or such other final Payment Date and, unless such Note is then a Book-Entry Note, shall specify that payment of the principal amount and any interest due with respect to such Note at the Final Payment Date or such other final Payment Date will be payable only upon presentation and surrender of such Note, and shall specify the place where such Note may be presented and surrendered for such final payment. (c) On each Payment Date, the Overcollateralization Amount available to cover any Liquidation Loss Amounts on such Payment Date shall be deemed to be reduced by an amount equal to such Liquidation Loss Amounts (except to the extent that such Liquidation Loss Amounts were covered on such Payment Date by a Liquidation Loss Distribution Amount). Section 3.06 PROTECTION OF TRUST ESTATE. (a) The Issuer shall from time to time execute and deliver all such supplements and amendments hereto and all such financing statements, continuation statements, instruments of further assurance and other instruments, and will take such other action necessary or advisable to: (i) maintain or preserve the lien and security interest (and the priority thereof) of this Indenture or carry out more effectively the purposes hereof; (ii) perfect, publish notice of or protect the validity of any Grant made or to be made by this Indenture; (iii) cause the Trust to enforce any of the Home Loans; or (iv) preserve and defend title to the Trust Estate and the rights of the Indenture Trustee and the Noteholders in such Trust Estate against the claims of all persons and parties. (b) Except as otherwise provided in this Indenture, the Indenture Trustee shall not remove any portion of the Trust Estate that consists of money or is evidenced by an instrument, certificate or other writing from the jurisdiction 8 in which it was held at the date of the most recent Opinion of Counsel delivered pursuant to Section 3.07 (or from the jurisdiction in which it was held as described in the Opinion of Counsel delivered at the Closing Date pursuant to Section 3.07(a), if no Opinion of Counsel has yet been delivered pursuant to Section 3.07(b)) unless the Trustee shall have first received an Opinion of Counsel to the effect that the lien and security interest created by this Indenture with respect to such property will continue to be maintained after giving effect to such action or actions. The Issuer hereby designates the Indenture Trustee its agent and attorney-in-fact to execute any financing statement, continuation statement or other instrument required to be executed pursuant to this Section 3.06. Section 3.07 OPINIONS AS TO TRUST ESTATE. On the Closing Date, the Issuer shall furnish to the Indenture Trustee and the Owner Trustee an Opinion of Counsel at the expense of the Issuer stating that, upon delivery of the Mortgage Notes relating to the Initial Home Loans to the Indenture Trustee or the Custodian in the State of Pennsylvania, the Indenture Trustee will have a perfected, first priority security interest in such Home Loans. On or before December 31st in each calendar year, beginning in 2000, the Issuer shall furnish to the Indenture Trustee an Opinion of Counsel at the expense of the Issuer either stating that, in the opinion of such counsel, no further action is necessary to maintain a perfected, first priority security interest in the Home Loans until December 31 in the following calendar year or, if any such action is required to maintain such security interest in the Home Loans, such Opinion of Counsel shall also describe the recording, filing, re-recording and refiling of this Indenture, any indentures supplemental hereto and any other requisite documents and the execution and filing of any financing statements and continuation statements that will, in the opinion of such counsel, be required to maintain the security interest in the Home Loans until December 31 in the following calendar year. Section 3.08 PERFORMANCE OF OBLIGATIONS; SERVICING AGREEMENT. (a) The Issuer shall punctually perform and observe all of its obligations and agreements contained in this Indenture, the Basic Documents and in the instruments and agreements included in the Trust Estate. (b) The Issuer may contract with other Persons to assist it in performing its duties under this Indenture, and any performance of such duties by a Person identified to the Indenture Trustee in an Officer's Certificate of the Issuer shall be deemed to be action taken by the Issuer. (c) The Issuer shall not take any action or permit any action to be taken by others that would release any Person from any of such Person's covenants or obligations under any of the documents relating to the Home Loans or under any instrument included in the Trust Estate, or that would result in the amendment, hypothecation, subordination, termination or discharge of, or impair the validity or effectiveness of, any of the documents relating to the Home Loans or any such instrument, except such actions as the Servicer is expressly permitted to take in the Servicing Agreement. 9 (d) The Issuer may retain an administrator and may enter into contracts with other Persons for the performance of the Issuer's obligations hereunder, and performance of such obligations by such Persons shall be deemed to be performance of such obligations by the Issuer. Section 3.09 NEGATIVE COVENANTS. So long as any Notes are Outstanding, the Issuer shall not: (a) except as expressly permitted by this Indenture, sell, transfer, exchange or otherwise dispose of the Trust Estate, unless directed to do so by the Indenture Trustee pursuant to Section 5.04 hereof; (b) claim any credit on, or make any deduction from the principal or interest payable in respect of, the Notes (other than amounts properly withheld from such payments under the Code) or assert any claim against any present or former Noteholder by reason of the payment of the taxes levied or assessed upon any part of the Trust Estate; (c) (i) permit the validity or effectiveness of this Indenture to be impaired, or permit the lien of this Indenture to be amended, hypothecated, subordinated, terminated or discharged, or permit any Person to be released from any covenants or obligations with respect to the Notes under this Indenture except as may be expressly permitted hereby, (ii) permit any lien, charge, excise, claim, security interest, mortgage or other encumbrance (other than the lien of this Indenture) to be created on or extend to or otherwise arise upon or burden the Trust Estate or any part thereof or any interest therein or the proceeds thereof or (iii) permit the lien of this Indenture not to constitute a valid first priority security interest in the Trust Estate; or (d) impair or cause to be impaired the Issuer's interest in the Home Loans, the Purchase Agreement or in any other Basic Document, if any such action would materially and adversely affect the interests of the Noteholders or the Credit Enhancer. Section 3.10 ANNUAL STATEMENT AS TO COMPLIANCE. The Issuer shall deliver to the Indenture Trustee, within 120 days after the end of each fiscal year of the Issuer (commencing with the fiscal year ending on December 31, 2000), an Officer's Certificate stating, as to the Authorized Officer signing such Officer's Certificate, that: (a) a review of the activities of the Issuer during such year and of its performance under this Indenture and the Trust Agreement has been made under such Authorized Officer's supervision; and (b) to the best of such Authorized Officer's knowledge, based on such review, the Issuer has complied with all conditions and covenants under this Indenture and the provisions of the Trust Agreement throughout such year, or, if 10 there has been a default in its compliance with any such condition or covenant, specifying each such default known to such Authorized Officer and the nature and status thereof. Section 3.11 RECORDATION OF ASSIGNMENTS. The Issuer shall enforce the obligation of the Seller under the Purchase Agreement to submit or cause to be submitted for recordation all Assignments of Mortgages within 60 days of receipt of recording information by the Servicer. Section 3.12 REPRESENTATIONS AND WARRANTIES CONCERNING THE HOME LOANS. The Indenture Trustee, as pledgee of the Home Loans, shall have the benefit of the representations and warranties made by the Seller in Section 3.1(a) and Section 3.1(b) of the Purchase Agreement concerning the Home Loans and the right to enforce the remedies against the Seller provided in such Section 3.1(a) or Section 3.1(b) to the same extent as though such representations and warranties were made directly to the Indenture Trustee. Section 3.13 ASSIGNEE OF RECORD OF THE HOME LOANS. As pledgee of the Home Loans, the Indenture Trustee shall hold record title to the Home Loans by being named as payee in the endorsements of the Mortgage Notes and assignee in the Assignments of Mortgage to be recorded under Section 2.1 of the Purchase Agreement. Except as expressly provided in the Purchase Agreement or in the Servicing Agreement with respect to any specific Home Loan, the Indenture Trustee shall not execute any endorsement or assignment or otherwise release or transfer such record title to any of the Home Loans until such time as the remaining Trust Estate may be released pursuant to Section 8.05(b). The Indenture Trustee's holding of such record title shall in all respects be subject to its fiduciary obligations to the Noteholders hereunder. Section 3.14 SERVICER AS AGENT AND BAILEE OF THE INDENTURE TRUSTEE. Solely for purposes of perfection under Section 9-305 of the UCC or other similar applicable law, rule or regulation of the state in which such property is held by the Servicer, the Issuer and the Indenture Trustee hereby acknowledge that the Servicer is acting as agent and bailee of the Indenture Trustee in holding amounts on deposit in the Custodial Account pursuant to Section 3.02 of the Servicing Agreement that are allocable to the Home Loans, as well as the agent and bailee of the Indenture Trustee in holding any Related Documents released to the Servicer pursuant to Section 3.06(c) of the Servicing Agreement, and any other items constituting a part of the Trust Estate which from time to time come into the possession of the Servicer. It is intended that, by the Servicer's acceptance of such agency pursuant to Section 3.02 of the Servicing Agreement, the Indenture Trustee, as a pledgee of the Home Loans, will be deemed to have possession of such Related Documents, such monies and such other items for purposes of Section 9-305 of the UCC of the state in which such property is held by the Servicer. Section 3.15 INVESTMENT COMPANY ACT. The Issuer shall not become an "investment company" or under the "control" of an "investment company" as such terms are defined in the Investment Company Act of 1940, as amended (or any successor or amendatory statute), and the rules and regulations thereunder (taking into account not only the general definition of the term "investment company" but also any available exceptions to such general definition); provided, however, that the Issuer shall be in compliance with this Section 3.15 11 if it shall have obtained an order exempting it from regulation as an "investment company" so long as it is in compliance with the conditions imposed in such order. Section 3.16 ISSUER MAY CONSOLIDATE, ETC. (a) The Issuer shall not consolidate or merge with or into any other Person, unless: (i) the Person (if other than the Issuer) formed by or surviving such consolidation or merger shall be a Person organized and existing under the laws of the United States of America or any state or the District of Columbia and shall expressly assume, by an indenture supplemental hereto, executed and delivered to the Indenture Trustee, in form reasonably satisfactory to the Indenture Trustee, the due and punctual payment of the principal of and interest on all Notes and to the Certificate Paying Agent, on behalf of the Certificateholders and the performance or observance of every agreement and covenant of this Indenture on the part of the Issuer to be performed or observed, all as provided herein; (ii) immediately after giving effect to such transaction, no Event of Default shall have occurred and be continuing; (iii) the Credit Enhancer shall have consented thereto and each Rating Agency shall have notified the Issuer that such transaction will not cause a Rating Event, without taking into account the Policy; (iv) the Issuer shall have received an Opinion of Counsel (and shall have delivered copies thereof to the Indenture Trustee and the Credit Enhancer) to the effect that such transaction will not have any material adverse tax consequence to the Issuer, any Noteholder or any Certificateholder; (v) any action that is necessary to maintain the lien and security interest created by this Indenture shall have been taken; and (vi) the Issuer shall have delivered to the Indenture Trustee an Officer's Certificate and an Opinion of Counsel each stating that such consolidation or merger and such supplemental indenture comply with this Article III and that all conditions precedent herein provided for relating to such transaction have been complied with (including any filing required by the Exchange Act). (b) The Issuer shall not convey or transfer any of its properties or assets, including those included in the Trust Estate, to any Person, unless: (i) the Person that acquires by conveyance or transfer the properties and assets of the Issuer the conveyance or transfer of which is hereby restricted shall (A) be a United States citizen or a Person organized and 12 existing under the laws of the United States of America or any state, (B) expressly assumes, by an indenture supplemental hereto, executed and delivered to the Indenture Trustee, in form satisfactory to the Indenture Trustee, the due and punctual payment of the principal of and interest on all Notes and the performance or observance of every agreement and covenant of this Indenture on the part of the Issuer to be performed or observed, all as provided herein, (C) expressly agrees by means of such supplemental indenture that all right, title and interest so conveyed or transferred shall be subject and subordinate to the rights of Noteholders of the Notes, (D) unless otherwise provided in such supplemental indenture, expressly agrees to indemnify, defend and hold harmless the Issuer against and from any loss, liability or expense arising under or related to this Indenture and the Notes and (E) expressly agrees by means of such supplemental indenture that such Person (or if a group of Persons, then one specified Person) shall make all filings with the Commission (and any other appropriate Person) required by the Exchange Act in connection with the Notes; (ii) immediately after giving effect to such transaction, no Default or Event of Default shall have occurred and be continuing; (iii) the Credit Enhancer shall have consented thereto, and each Rating Agency shall have notified the Issuer that such transaction will not cause a Rating Event, if determined without regard to the Policy; (iv) the Issuer shall have received an Opinion of Counsel (and shall have delivered copies thereof to the Indenture Trustee) to the effect that such transaction will not have any material adverse tax consequence to the Issuer or any Noteholder; (v) any action that is necessary to maintain the lien and security interest created by this Indenture shall have been taken; and (vi) the Issuer shall have delivered to the Indenture Trustee an Officer's Certificate and an Opinion of Counsel each stating that such conveyance or transfer and such supplemental indenture comply with this Article III and that all conditions precedent herein provided for relating to such transaction have been complied with (including any filing required by the Exchange Act). Section 3.17 SUCCESSOR OR TRANSFEREE. (a) Upon any consolidation or merger of the Issuer in accordance with Section 3.16(a), the Person formed by or surviving such consolidation or merger (if other than the Issuer) shall succeed to, and be substituted for, and may exercise every right and power of, the Issuer under this Indenture with the same effect as if such Person had been named as the Issuer herein. (b) Upon a conveyance or transfer of all the assets and properties of the Issuer pursuant to Section 3.16(b), the Issuer shall be released from every covenant and agreement of this Indenture to be observed or performed on the part 13 of the Issuer with respect to the Notes immediately upon the delivery of written notice to the Indenture Trustee of such conveyance or transfer. Section 3.18 NO OTHER BUSINESS. The Issuer shall not engage in any business other than financing, purchasing, owning and selling and managing the Home Loans and the issuance of the Notes and Certificates in the manner contemplated by this Indenture and the Basic Documents and all activities incidental thereto. Section 3.19 NO BORROWING. The Issuer shall not issue, incur, assume, guarantee or otherwise become liable, directly or indirectly, for any indebtedness except for the Notes. Section 3.20 GUARANTEES, LOANS, ADVANCES AND OTHER LIABILITIES. Except as contemplated by this Indenture or the other Basic Documents, the Issuer shall not make any loan or advance or credit to, or guarantee (directly or indirectly or by an instrument having the effect of assuring another's payment or performance on any obligation or capability of so doing or otherwise), endorse or otherwise become contingently liable, directly or indirectly, in connection with the obligations, stocks or dividends of, or own, purchase, repurchase or acquire (or agree contingently to do so) any stock, obligations, assets or securities of, or any other interest in, or make any capital contribution to, any other Person. Section 3.21 CAPITAL EXPENDITURES. The Issuer shall not make any expenditure (by long-term or operating lease or otherwise) for capital assets (either realty or personalty). Section 3.22 OWNER TRUSTEE NOT LIABLE FOR CERTIFICATES OR RELATED Documents. The recitals contained herein shall be taken as the statements of the Issuer, and the Owner Trustee and the Indenture Trustee assume no responsibility for the correctness of the recitals contained herein. The Owner Trustee and the Indenture Trustee make no representations as to the validity or sufficiency of this Indenture or any other Basic Document, of the Certificates (other than the signatures of the Owner Trustee or the Indenture Trustee on the Certificates) or the Notes, or of any Related Documents. The Owner Trustee and the Indenture Trustee shall at no time have any responsibility or liability with respect to the sufficiency of the Trust Estate or its ability to generate the payments to be distributed to Certificateholders under the Trust Agreement or the Noteholders under this Indenture, including, the compliance by the Depositor or the Seller with any warranty or representation made under any Basic Document or in any related document or the accuracy of any such warranty or representation, or any action of the Certificate Paying Agent, the Certificate Registrar or any other person taken in the name of the Owner Trustee or the Indenture Trustee. Section 3.23 RESTRICTED PAYMENTS. The Issuer shall not, directly or indirectly, (i) pay any dividend or make any distribution (by reduction of capital or otherwise), whether in cash, property, securities or a combination thereof, to the Owner Trustee or any owner of a beneficial interest in the Issuer or otherwise with respect to any ownership or equity interest or security in or of the Issuer, (ii) redeem, purchase, retire or otherwise acquire for value any such ownership or equity interest or security or (iii) set aside or otherwise segregate any amounts for any such purpose; provided, however, that 14 the Issuer may make, or cause to be made, (x) distributions to the Owner Trustee and the Certificateholders as contemplated by, and to the extent funds are available for such purpose under, the Trust Agreement and (y) payments to the Servicer pursuant to the terms of the Servicing Agreement. The Issuer will not, directly or indirectly, make payments to or distributions from the Custodial Account except in accordance with this Indenture and the other Basic Documents. Section 3.24 NOTICE OF EVENTS OF DEFAULT. The Issuer shall give the Indenture Trustee, the Credit Enhancer and the Rating Agencies prompt written notice of each Event of Default hereunder and under the Trust Agreement. Section 3.25 FURTHER INSTRUMENTS AND ACTS. Upon request of the Indenture Trustee, the Issuer shall execute and deliver such further instruments and do such further acts as may be reasonably necessary or proper to carry out more effectively the purposes of this Indenture. Section 3.26 STATEMENTS TO NOTEHOLDERS. On each Payment Date, each of the Indenture Trustee and the Certificate Registrar shall forward by mail to the Credit Enhancer, the Depositor, the Owner Trustee and each Rating Agency, and shall make available to each Noteholder and each Certificateholder, respectively, the Servicing Certificate provided to the Indenture Trustee by the Servicer relating to such Payment Date and delivered pursuant to Section 4.01 of the Servicing Agreement. The Indenture Trustee will make the monthly statement to Securityholders (and, at its option, any additional files containing the same information in an alternative format) available each month to Securityholders and the Credit Enhancer, and other parties to this Indenture via the Indenture Trustee's internet website. The Indenture Trustee's internet website shall initially be located at "www.MBSReporting.com". Assistance in using the website can be obtained by calling Mortgage Backed Securities Administration at (212) 815-2201. Parties that are unable to use the above distribution options are entitled to have a paper copy mailed to them via first class mail by calling Mortgage Backed Securities Administration and indicating such. The Indenture Trustee shall have the right to change the way the statement to Securityholders are distributed in order to make such distribution more convenient and/or more accessible to the above parties and the Indenture Trustee shall provide timely and adequate notification to all above parties regarding any such changes. Section 3.27 DETERMINATION OF NOTE RATE. On the second LIBOR Business Day immediately preceding (i) the Closing Date in the case of the first Interest Period and (ii) the first day of each succeeding Interest Period, the Indenture Trustee shall determine LIBOR and the applicable Note Rate for such Interest Period and shall inform the Issuer, the Servicer and the Depositor. Section 3.28 PAYMENTS UNDER THE POLICY. (a) If the Servicing Certificate specifies a Policy Draw Amount for any Payment Date, the Indenture Trustee shall make a draw on the Policy in an amount, if any, equal to the Policy Draw Amount for such Payment Date, PROVIDED, HOWEVER, 15 that if the Indenture Trustee receives part or all of such draw as a payment pursuant to the Limited Reimbursement Agreement, the Indenture Trustee shall not make a draw on the Policy to the extent of such payment. The Indenture Trustee shall deposit or cause to be deposited such Policy Draw Amount into the Note Payment Account on such Payment Date. For purposes of the foregoing, the amount on deposit in the Note Payment Account and available to be distributed as interest on any Payment Date shall include all amounts on deposit in such account with respect to such Payment Date, other than the Principal Collection Distribution Amount and the Liquidation Loss Distribution Amount (if any) to be distributed on such Payment Date. Notwithstanding the foregoing, if and to the extent a court of competent jurisdiction orders the repayment by the Indenture Trustee to any party to the Limited Reimbursement Agreement of the amount paid by such party to the Indenture Trustee, the Indenture Trustee shall make a draw on the Policy pursuant to the terms hereof as if such counterparty had not made any payment to the Indenture Trustee. (b) The Indenture Trustee shall submit, if a Policy Draw Amount is specified in any statement to Securityholders prepared pursuant to Section 4.01 of the Servicing Agreement, the Notice of Nonpayment and Demand for Payment of Insured Amounts (in the form attached as Exhibit A to the Policy) to the Credit Enhancer no later than 12:00 noon, New York City time, on the second (2nd) Business Day prior to the applicable Payment Date. Section 3.29 REPLACEMENT ENHANCEMENT. The Issuer (or the Servicer on its behalf) may, at its expense, in accordance with and upon satisfaction of the conditions set forth herein, but shall not be required to, obtain a surety bond, letter of credit, guaranty or reserve account as a Permitted Investment for amounts on deposit in the Capitalized Interest Account, or may arrange for any other form of additional credit enhancement; provided, that after prior notice thereto, no Rating Agency shall have informed the Issuer that a Rating Event would occur as a result thereof (without taking the Policy into account); and provided further, that the issuer of any such instrument or facility and the timing and mechanism for drawing on such additional enhancement shall be acceptable to the Indenture Trustee and the Credit Enhancer. It shall be a condition to procurement of any such additional credit enhancement that there be delivered to the Indenture Trustee and the Credit Enhancer (a) an Opinion of Counsel, acceptable in form to the Indenture Trustee and the Credit Enhancer, from counsel to the provider of such additional credit enhancement with respect to the enforceability thereof and such other matters as the Indenture Trustee or the Credit Enhancer may require and (b) an Opinion of Counsel to the effect that the procurement of such additional enhancement would not (i) adversely affect in any material respect the tax status of the Notes or the Certificates or (ii) cause the Issuer to be taxable as an association (or a publicly traded partnership) for federal income tax purposes or to be classified as a taxable mortgage pool within the meaning of Section 7701(i) of the Code. Section 3.30 PAYMENTS UNDER THE LIMITED REIMBURSEMENT AGREEMENT. The Indenture Trustee shall deposit any amounts received under the Limited Reimbursement Agreement into the Note Payment Account. Any such amounts shall be distributed on the related Payment Date pursuant to Section 3.05(a). The 16 Indenture Trustee shall make the payments to the designee or designees of the Credit Enhancer under Section 3.05(a)(iv) pursuant to written instructions from the Credit Enhancer to the Indenture Trustee. ARTICLE IV The Notes; Satisfaction and Discharge of Indenture Section 4.01 THE NOTES;. The Notes shall be registered in the name of a nominee designated by the Depository. Beneficial Owners will hold interests in the Notes through the book-entry facilities of the Depository in minimum initial Note Balances of $25,000 and integral multiples of $1,000 in excess thereof. The Indenture Trustee may for all purposes (including the making of payments due on the Notes) deal with the Depository as the authorized representative of the Beneficial Owners with respect to the Notes for the purposes of exercising the rights of Noteholders hereunder. Except as provided in the next succeeding paragraph of this Section 4.01, the rights of Beneficial Owners with respect to the Notes shall be limited to those established by law and agreements between such Beneficial Owners and the Depository and Depository Participants. Except as provided in Section 4.08, Beneficial Owners shall not be entitled to definitive certificates for the Notes as to which they are the Beneficial Owners. Requests and directions from, and votes of, the Depository as Noteholder of the Notes shall not be deemed inconsistent if they are made with respect to different Beneficial Owners. The Indenture Trustee may establish a reasonable record date in connection with solicitations of consents from or voting by Noteholders and give notice to the Depository of such record date. Without the consent of the Issuer and the Indenture Trustee, no Note may be transferred by the Depository except to a successor Depository that agrees to hold such Note for the account of the Beneficial Owners. In the event the Depository Trust Company resigns or is removed as Depository, the Indenture Trustee, at the request of the Servicer and with the approval of the Issuer, may appoint a successor Depository. If no successor Depository has been appointed within 30 days of the effective date of the Depository's resignation or removal, each Beneficial Owner shall be entitled to certificates representing the Notes it beneficially owns in the manner prescribed in Section 4.08. The Notes shall, on original issue, be executed on behalf of the Issuer by the Owner Trustee, not in its individual capacity but solely as Owner Trustee and upon Issuer Order, authenticated by the Note Registrar and delivered by the Indenture Trustee to or upon the order of the Issuer. Section 4.02 REGISTRATION OF AND LIMITATIONS ON TRANSFER AND EXCHANGE OF NOTES; APPOINTMENT OF CERTIFICATE REGISTRAR. The Issuer shall cause to be kept at the Indenture Trustee's Corporate Trust Office a Note Register in which, subject to such reasonable regulations as it may prescribe, the Note Registrar shall provide for the registration of Notes and of transfers and exchanges of Notes as herein provided. The Issuer hereby appoints the Indenture Trustee as the initial Note Registrar. 17 Subject to the restrictions and limitations set forth below, upon surrender for registration of transfer of any Note at the Corporate Trust Office, the Issuer shall execute, and the Note Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Notes in authorized initial Note Balances evidencing the same aggregate Percentage Interests. Subject to the foregoing, at the option of the Noteholders, Notes may be exchanged for other Notes of like tenor, in each case in authorized initial Note Balances evidencing the same aggregate Percentage Interests, upon surrender of the Notes to be exchanged at the Corporate Trust Office of the Note Registrar. Whenever any Notes are so surrendered for exchange, the Issuer shall execute and the Note Registrar shall authenticate and deliver the Notes which the Noteholder making the exchange is entitled to receive. Each Note presented or surrendered for registration of transfer or exchange shall (if so required by the Note Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in form reasonably satisfactory to the Note Registrar duly executed by, the Noteholder thereof or his attorney duly authorized in writing with such signature guaranteed by a commercial bank or trust company located or having a correspondent located in The City of New York. Notes delivered upon any such transfer or exchange will evidence the same obligations, and will be entitled to the same rights and privileges, as the Notes surrendered. No service charge shall be imposed for any registration of transfer or exchange of Notes, but the Note Registrar shall require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any registration of transfer or exchange of Notes. All Notes surrendered for registration of transfer and exchange shall be cancelled by the Note Registrar and delivered to the Indenture Trustee for subsequent destruction without liability on the part of either. The Issuer hereby appoints the Indenture Trustee as Certificate Registrar to keep at its Corporate Trust Office a Certificate Register pursuant to Section 3.09 of the Trust Agreement in which, subject to such reasonable regulations as it may prescribe, the Certificate Registrar shall provide for the registration of Certificates and of transfers and exchanges thereof pursuant to Section 3.05 of the Trust Agreement. The Indenture Trustee hereby accepts such appointment. Each purchaser of a Note, by its acceptance of the Note, shall be deemed to have represented that the acquisition of such Note by the purchaser does not constitute or give rise to a prohibited transaction under Section 406 of ERISA or Section 4975 of the Code, for which no statutory, regulatory or administrative exemption is available. Section 4.03 MUTILATED, DESTROYED, LOST OR STOLEN NOTES. If (i) any mutilated Note is surrendered to the Indenture Trustee, or the Indenture Trustee receives evidence to its satisfaction of the destruction, loss or theft of any Note, and (ii) there is delivered to the Indenture Trustee such security or indemnity as may be required by it to hold the Issuer and the Indenture Trustee harmless, then, in the absence of notice to the Issuer, the Note Registrar or the Indenture Trustee that such Note has been acquired by a bona fide purchaser, 18 and provided that the requirements of Section 8-405 of the UCC are met, the Issuer shall execute, and upon its request the Indenture Trustee shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Note, a replacement Note of the same class; provided, however, that if any such destroyed, lost or stolen Note, but not a mutilated Note, shall have become or within seven days shall be due and payable, instead of issuing a replacement Note, the Issuer may pay such destroyed, lost or stolen Note when so due or payable without surrender thereof. If, after the delivery of such replacement Note or payment of a destroyed, lost or stolen Note pursuant to the proviso to the preceding sentence, a bona fide purchaser of the original Note in lieu of which such replacement Note was issued presents for payment such original Note, the Issuer and the Indenture Trustee shall be entitled to recover such replacement Note (or such payment) from the Person to whom it was delivered or any Person taking such replacement Note from such Person to whom such replacement Note was delivered or any assignee of such Person, except a bona fide purchaser, and shall be entitled to recover upon the security or indemnity provided therefor to the extent of any loss, damage, cost or expense incurred by the Issuer or the Indenture Trustee in connection therewith. Upon the issuance of any replacement Note under this Section 4.03, the Issuer may require the payment by the Noteholder of such Note of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other reasonable expenses (including the fees and expenses of the Indenture Trustee) connected therewith. Every replacement Note issued pursuant to this Section 4.03 in replacement of any mutilated, destroyed, lost or stolen Note shall constitute an original additional contractual obligation of the Issuer, whether or not the mutilated, destroyed, lost or stolen Note shall be at any time enforceable by anyone, and shall be entitled to all the benefits of this Indenture equally and proportionately with any and all other Notes duly issued hereunder. The provisions of this Section 4.03 are exclusive and shall preclude (to the extent lawful) all other rights and remedies with respect to the replacement or payment of mutilated, destroyed, lost or stolen Notes. Section 4.04 PERSONS DEEMED OWNERS. Prior to due presentment for registration of transfer of any Note, the Issuer, the Indenture Trustee and any agent of the Issuer or the Indenture Trustee may treat the Person in whose name any Note is registered (as of the day of determination) as the owner of such Note for the purpose of receiving payments of principal of and interest, if any, on such Note and for all other purposes whatsoever, whether or not such Note be overdue, and none of the Issuer, the Indenture Trustee or any agent of the Issuer or the Indenture Trustee shall be affected by notice to the contrary. Section 4.05 CANCELLATION. All Notes surrendered for payment, registration of transfer, exchange or redemption shall, if surrendered to any Person other than the Indenture Trustee, be delivered to the Indenture Trustee and shall be promptly cancelled by the Indenture Trustee. The Issuer may at any time deliver to the Indenture Trustee for cancellation any Notes previously authenticated and delivered hereunder which the Issuer may have acquired in any manner whatsoever, and all Notes so delivered shall be promptly cancelled by the Indenture Trustee. 19 No Notes shall be authenticated in lieu of or in exchange for any Notes cancelled as provided in this Section 4.05, except as expressly permitted by this Indenture. All cancelled Notes may be held or disposed of by the Indenture Trustee in accordance with its standard retention or disposal policy as in effect at the time unless the Issuer shall direct by an Issuer Request that they be destroyed or returned to it; provided, however, that such Issuer Request is timely and the Notes have not been previously disposed of by the Indenture Trustee. Section 4.06 BOOK-ENTRY NOTES. Each Class of Notes, upon original issuance, shall be issued in the form of typewritten Notes representing the Book-Entry Notes, to be delivered to The Depository Trust Company, the initial Depository, by, or on behalf of, the Issuer. Such Notes shall initially be registered on the Note Register in the name of Cede & Co., the nominee of the initial Depository, and no Beneficial Owner shall receive a Definitive Note representing such Beneficial Owner's interest in such Note, except as provided in Section 4.08. Unless and until definitive, fully registered Notes (the "Definitive Notes") have been issued to Beneficial Owners pursuant to Section 4.08: (a) the provisions of this Section 4.06 shall be in full force and effect; (b) the Note Registrar and the Indenture Trustee shall be entitled to deal with the Depository for all purposes of this Indenture (including the payment of principal of and interest on the Notes and the giving of instructions or directions hereunder) as the sole holder of the Notes, and shall have no obligation to the Beneficial Owners; (c) to the extent that the provisions of this Section 4.06 conflict with any other provisions of this Indenture, the provisions of this Section 4.06 shall control; (d) the rights of Beneficial Owners shall be exercised only through the Depository and shall be limited to those established by law and agreements between such Owners of Notes and the Depository and/or the Depository Participants. Unless and until Definitive Notes are issued pursuant to Section 4.08, the initial Depository will make book-entry transfers among the Depository Participants and receive and transmit payments of principal of and interest on the Notes to such Depository Participants; and (e) whenever this Indenture requires or permits actions to be taken based upon instructions or directions of Noteholders of Notes evidencing a specified percentage of the Note Balances of the Notes, the Depository shall be deemed to represent such percentage only to the extent that it has received instructions to such effect from Beneficial Owners and/or Depository Participants owning or representing, respectively, such required percentage of the beneficial interest in the Notes and has delivered such instructions to the Indenture Trustee. Section 4.07 NOTICES TO DEPOSITORY. Whenever a notice or other communication to the Noteholders of the Notes is required under this Indenture, unless and until Definitive Notes shall have been issued to Beneficial Owners pursuant to Section 4.08, the Indenture Trustee shall give all such notices and communications specified herein to be given to Noteholders of the Notes to the Depository, and shall have no obligation to the Beneficial Owners. 20 Section 4.08 DEFINITIVE NOTES. If (i) the Indenture Trustee determines that the Depository is no longer willing or able to properly discharge its responsibilities with respect to the Notes and, if requested by the Servicer, the Indenture Trustee is unable to locate a qualified successor, (ii) the Indenture Trustee elects to terminate the book-entry system through the Depository, or (iii) after the occurrence of an Event of Default, Beneficial Owners of Notes representing beneficial interests aggregating at least a majority of the aggregate Note Balance of the Notes advise the Depository in writing that the continuation of a book-entry system through the Depository is no longer in the best interests of the Beneficial Owners, then the Depository shall notify all Beneficial Owners and the Indenture Trustee of the occurrence of any such event and of the availability of Definitive Notes to Beneficial Owners requesting the same. Upon surrender to the Indenture Trustee of the typewritten Notes representing the Book-Entry Notes by the Depository (or Percentage Interest of the Book-Entry Notes being transferred pursuant to clause (iii) above), accompanied by registration instructions, the Issuer shall execute and the Indenture Trustee shall authenticate the Definitive Notes in accordance with the instructions of the Depository. None of the Issuer, the Note Registrar or the Indenture Trustee shall be liable for any delay in delivery of such instructions, and each may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Notes, the Indenture Trustee shall recognize the Noteholders of the Definitive Notes as Noteholders. Section 4.09 TAX TREATMENT. The Issuer has entered into this Indenture, and the Notes will be issued, with the intention that, for federal, state and local income, single business and franchise tax purposes, the Notes will qualify as indebtedness. The Issuer, by entering into this Indenture, and each Noteholder, by its acceptance of its Note (and each Beneficial Owner by its acceptance of an interest in the applicable Book-Entry Note), agree to treat the Notes for federal, state and local income, single business and franchise tax purposes as indebtedness. Section 4.10 SATISFACTION AND DISCHARGE OF INDENTURE. This Indenture shall cease to be of further effect with respect to the Notes except as to (i) rights of registration of transfer and exchange, (ii) substitution of mutilated, destroyed, lost or stolen Notes, (iii) rights of Noteholders to receive payments of principal thereof and interest thereon, (iv) Sections 3.03, 3.04, 3.06, 3.09, 3.16, 3.18 and 3.19, (v) the rights, obligations and immunities of the Indenture Trustee hereunder (including the rights of the Indenture Trustee under Section 6.07 and the obligations of the Indenture Trustee under Section 4.11) and (vi) the rights of Noteholders as beneficiaries hereof with respect to the property so deposited with the Indenture Trustee payable to all or any of them, and the Indenture Trustee, on demand of and at the expense of the Issuer, shall execute proper instruments acknowledging satisfaction and discharge of this Indenture with respect to the Notes, when (A) either (1) all Notes theretofore authenticated and delivered (other than (i) Notes that have been destroyed, lost or stolen and that have been replaced or paid as provided in Section 4.03 and (ii) Notes for whose payment money has theretofore been deposited in 21 trust or segregated and held in trust by the Issuer and thereafter repaid to the Issuer or discharged from such trust, as provided in Section 3.03) have been delivered to the Indenture Trustee for cancellation; or (2) all Notes not theretofore delivered to the Indenture Trustee for cancellation a) have become due and payable, b) will become due and payable at the Final Payment Date within one year, or c) have been declared immediately due and payable pursuant to Section 5.02. and the Issuer, in the case of a. or b. above, has irrevocably deposited or caused to be irrevocably deposited with the Indenture Trustee cash or direct obligations of or obligations guaranteed by the United States of America (which will mature prior to the date such amounts are payable), in trust for such purpose, in an amount sufficient to pay and discharge the entire indebtedness on such Notes and Certificates then outstanding not theretofore delivered to the Indenture Trustee for cancellation when due on the Final Payment Date; (3) the Issuer has paid or caused to be paid all other sums payable hereunder and under the Insurance Agreement by the Issuer; and (4) the Issuer has delivered to the Indenture Trustee and the Credit Enhancer an Officer's Certificate and an Opinion of Counsel, each meeting the applicable requirements of Section 10.01 and each stating that all conditions precedent herein provided for relating to the satisfaction and discharge of this Indenture have been complied with and, if the Opinion of Counsel relates to a deposit made in connection with Section 4.10(A)(2)b. above, such opinion shall further be to the effect that such deposit will not have any material adverse tax consequences to the Issuer, any Noteholders or any Certificateholders. Section 4.11 APPLICATION OF TRUST MONEY. All monies deposited with the Indenture Trustee pursuant to Section 4.10 hereof shall be held in trust and applied by it, in accordance with the provisions of the Notes and this Indenture, to the payment, either directly or through any Paying Agent or Certificate Paying Agent, as the Indenture Trustee may determine, to the Securityholders of Securities, of all sums due and to become due thereon for principal and interest; but such monies need not be segregated from other funds except to the extent required herein or required by law. Section 4.12 SUBROGATION AND COOPERATION. 22 (a) The Issuer and the Indenture Trustee acknowledge that (i) to the extent the Credit Enhancer makes payments under the Policy on account of principal of or interest on the Home Loans, the Credit Enhancer will be fully subrogated to the rights the Noteholders to receive such principal of and interest on the Home Loans, and (ii) the Credit Enhancer shall be paid such principal and interest only from the sources and in the manner provided herein and in the Insurance Agreement for the payment of such principal and interest. The Indenture Trustee shall cooperate in all respects with any reasonable request by the Credit Enhancer for action to preserve or enforce the Credit Enhancer's rights or interest under this Indenture or the Insurance Agreement, consistent with this Indenture and without limiting the rights of the Noteholders as otherwise set forth in the Indenture, including upon the occurrence and continuance of a default under the Insurance Agreement, a request (which request shall be in writing) to take any one or more of the following actions: (i) institute Proceedings for the collection of all amounts then payable on the Notes or under this Indenture in respect to the Notes and all amounts payable under the Insurance Agreement and to enforce any judgment obtained and collect from the Issuer monies adjudged due; (ii) sell the Trust Estate or any portion thereof or rights or interest therein, at one or more public or private Sales (as defined in Section 5.15 hereof) called and conducted in any manner permitted by law; (iii) file or record all assignments that have not previously been recorded; (iv) institute Proceedings from time to time for the complete or partial foreclosure of this Indenture; and (v) exercise any remedies of a secured party under the UCC and take any other appropriate action to protect and enforce the rights and remedies of the Credit Enhancer hereunder. Following the payment in full of the Notes, the Credit Enhancer shall continue to have all rights and privileges provided to it under this Section and in all other provisions of this Indenture, until all amounts owing to the Credit Enhancer have been paid in full. Section 4.13 REPAYMENT OF MONIES HELD BY PAYING AGENT. In connection with the satisfaction and discharge of this Indenture with respect to the Notes, all monies then held by any Paying Agent (other than the Indenture Trustee) under the provisions of this Indenture with respect to such Notes shall, upon demand of the Issuer, be paid to the Indenture Trustee to be held and applied according to Section 3.05; and thereupon, such Paying Agent shall be released from all further liability with respect to such monies. 23 Section 4.14 TEMPORARY NOTES. Pending the preparation of any Definitive Notes, the Issuer may execute and upon its written direction, the Indenture Trustee may authenticate and make available for delivery, temporary Notes that are printed, lithographed, typewritten, photocopied or otherwise produced, in any denomination, substantially of the tenor of the Definitive Notes in lieu of which they are issued and with such appropriate insertions, omissions, substitutions and other variations as the officers executing such Notes may determine, as evidenced by their execution of such Notes. If temporary Notes are issued, the Issuer will cause Definitive Notes to be prepared without unreasonable delay. After the preparation of the Definitive Notes, the temporary Notes shall be exchangeable for Definitive Notes upon surrender of the temporary Notes at the office or agency of the Indenture Trustee, without charge to the Noteholder. Upon surrender for cancellation of any one or more temporary Notes, the Issuer shall execute and the Indenture Trustee shall authenticate and make available for delivery, in exchange therefor, Definitive Notes of authorized denominations and of like tenor and aggregate principal amount. Until so exchanged, such temporary Notes shall in all respects be entitled to the same benefits under this Indenture as Definitive Notes. ARTICLE V Default And Remedies Section 5.01 EVENTS OF DEFAULT. The Issuer shall deliver to the Indenture Trustee and the Credit Enhancer, within five days after learning of the occurrence of any event that with the giving of notice and the lapse of time would become an Event of Default under clause (c) of the definition of "Event of Default" written notice in the form of an Officer's Certificate of its status and what action the Issuer is taking or proposes to take with respect thereto. Section 5.02 ACCELERATION OF MATURITY; RESCISSION AND ANNULMENT. If an Event of Default shall occur and be continuing, then and in every such case the Indenture Trustee, acting at the direction of the Credit Enhancer or the Noteholders of Notes representing not less than a majority of the aggregate Note Balance of the Notes, with the written consent of the Credit Enhancer, may declare the Notes to be immediately due and payable by a notice in writing to the Issuer (and to the Indenture Trustee if given by Noteholders); and upon any such declaration, the unpaid principal amount of the Notes, together with accrued and unpaid interest thereon through the date of acceleration, shall become immediately due and payable. At any time after such declaration of acceleration of maturity with respect to an Event of Default has been made and before a judgment or decree for payment of the money due has been obtained by the Indenture Trustee as hereinafter provided in this Article V, the Credit Enhancer or the Noteholders of Notes representing a majority of the aggregate Note Balance of the Notes, with the written consent of the Credit Enhancer, by written notice to the Issuer and the Indenture Trustee, may in writing waive the related Event of Default and rescind and annul such declaration and its consequences if: 24 (a) the Issuer has paid or deposited with the Indenture Trustee a sum sufficient to pay: (i) all payments of principal of and interest on the Notes and all other amounts that would then be due hereunder or upon the Notes if the Event of Default giving rise to such acceleration had not occurred; (ii) all sums paid or advanced by the Indenture Trustee hereunder and the reasonable compensation, expenses, disbursements and advances of the Indenture Trustee and its agents and counsel; and (iii) all Events of Default, other than the nonpayment of the principal of the Notes that has become due solely by such acceleration, have been cured or waived as provided in Section 5.12. No such rescission shall affect any subsequent default or impair any right consequent thereto. Section 5.03 COLLECTION OF INDEBTEDNESS AND SUITS FOR ENFORCEMENT BY INDENTURE TRUSTEE. (a) The Issuer covenants that if default in the payment of (i) any interest on any Note when the same becomes due and payable, and such default continues for a period of five days, or (ii) the principal of or any installment of the principal of any Note when the same becomes due and payable, the Issuer shall, upon demand of the Indenture Trustee, pay to it, for the benefit of the Noteholders, the entire amount then due and payable on the Notes for principal and interest, with interest on the overdue principal, and in addition thereto such further amount as shall be sufficient to cover the costs and expenses of collection, including the reasonable compensation, expenses, disbursements and advances of the Indenture Trustee and its agents and counsel. (b) In case the Issuer shall fail forthwith to pay such amounts upon such demand, the Indenture Trustee, in its own name and as trustee of an express trust, subject to the provisions of Section 10.17 hereof, may institute a Proceeding for the collection of the sums so due and unpaid, and may prosecute such Proceeding to judgment or final decree, and may enforce the same against the Issuer or other obligor on the Notes and collect in the manner provided by law out of the property of the Issuer or other obligor on the Notes, wherever situated, the monies adjudged or decreed to be payable. (c) If an Event of Default shall occur and be continuing, the Indenture Trustee, subject to the provisions of Section 10.17 hereof, may, as more particularly provided in Section 5.04, in its discretion proceed to protect and enforce its rights and the rights of the Noteholders by such appropriate Proceedings as the Indenture Trustee shall deem most effective to protect and enforce any such rights, whether for the specific enforcement of any covenant or agreement in this Indenture or in aid of the exercise of any power granted herein, or to 25 enforce any other proper remedy or legal or equitable right vested in the Indenture Trustee by this Indenture or by law. (d) If there shall be pending, relative to the Issuer or any other obligor on the Notes or any Person having or claiming an ownership interest in the Trust Estate, Proceedings under Title 11 of the United States Code or any other applicable federal or state bankruptcy, insolvency or other similar law, or if a receiver, assignee or trustee in bankruptcy or reorganization, liquidator, sequestrator or similar official shall have been appointed for or taken possession of the Issuer or its property or such other obligor or Person, or if there shall be any other comparable judicial Proceedings relative to the Issuer or other any other obligor on the Notes, or relative to the creditors or property of the Issuer or such other obligor, then the Indenture Trustee, irrespective of whether the principal of any Notes shall then be due and payable as therein expressed or by declaration or otherwise, and irrespective of whether the Indenture Trustee shall have made any demand pursuant to the provisions of this Section, shall be entitled and empowered, by intervention in such Proceedings or otherwise: (i) to file and prove a claim or claims for the entire amount of principal and interest owing and unpaid in respect of the Notes and to file such other papers or documents as may be necessary or advisable in order to have the claims of the Indenture Trustee (including any claim for reasonable compensation to the Indenture Trustee and each predecessor Indenture Trustee, and their respective agents, attorneys and counsel, and for reimbursement of all expenses and liabilities incurred, and all advances made, by the Indenture Trustee and each predecessor Indenture Trustee, except as a result of negligence, willful misconduct or bad faith) and of the Noteholders allowed in such Proceedings; (ii) unless prohibited by applicable law and regulations, to vote on behalf of the Noteholders in any election of a trustee, a standby trustee or Person performing similar functions in any such Proceedings; (iii) to collect and receive any monies or other property payable or deliverable on any such claims and to distribute all amounts received with respect to the claims of the Noteholders and of the Indenture Trustee on their behalf; and (iv) to file such proofs of claim and other papers or documents as may be necessary or advisable in order to have the claims of the Indenture Trustee or the Noteholders allowed in any judicial proceedings relative to the Issuer, its creditors and its property; and any trustee, receiver, liquidator, custodian or other similar official in any such Proceeding is hereby authorized by each of such Noteholders to make payments to the Indenture Trustee, and, in the event the Indenture Trustee shall consent to the making of payments directly to such Noteholders, to pay to the Indenture Trustee such amounts as shall be sufficient to cover reasonable compensation to the Indenture Trustee, each predecessor Indenture Trustee and their respective agents, attorneys and counsel, and all other expenses and 26 liabilities incurred, and all advances made, by the Indenture Trustee and each predecessor Indenture Trustee, except as a result of negligence, willful misconduct or bad faith. (e) Nothing herein contained shall be deemed to authorize the Indenture Trustee to authorize or consent to or vote for or accept or adopt on behalf of any Noteholder any plan of reorganization, arrangement, adjustment or composition affecting the Notes or the rights of any Noteholder thereof or to authorize the Indenture Trustee to vote in respect of the claim of any Noteholder in any such proceeding except, as aforesaid, to vote for the election of a trustee in bankruptcy or similar Person. (f) All rights of action and of asserting claims under this Indenture, or under any of the Notes, may be enforced by the Indenture Trustee without the possession of any of the Notes or the production thereof in any trial or other Proceedings relative thereto, and any such action or proceedings instituted by the Indenture Trustee shall be brought in its own name as trustee of an express trust, and any recovery of judgment, subject to the payment of the expenses, disbursements and compensation of the Indenture Trustee, each predecessor Indenture Trustee and their respective agents and attorneys, shall be for the ratable benefit of the Noteholders. (g) In any Proceedings to which the Indenture Trustee shall be a party (including any Proceedings involving the interpretation of any provision of this Indenture), the Indenture Trustee shall be held to represent all Noteholders, and it shall not be necessary to make any Noteholder a party to any such Proceedings. Section 5.04 REMEDIES; PRIORITIES. (a) If an Event of Default shall have occurred and be continuing, then the Indenture Trustee, subject to the provisions of Section 10.17 hereof, with the written consent of the Credit Enhancer may, or, at the written direction of the Credit Enhancer, shall, do one or more of the following, in each case subject to Section 5.05: (i) institute Proceedings in its own name and as trustee of an express trust for the collection of all amounts then payable on the Notes or under this Indenture with respect thereto, whether by declaration or otherwise, and all amounts payable under the Insurance Agreement, enforce any judgment obtained, and collect from the Issuer and any other obligor on the Notes monies adjudged due; (ii) institute Proceedings from time to time for the complete or partial foreclosure of this Indenture with respect to the Trust Estate; (iii) exercise any remedies of a secured party under the UCC and take any other appropriate action to protect and enforce the rights and remedies of the Indenture Trustee and the Noteholders; and 27 (iv) sell the Trust Estate or any portion thereof or rights or interest therein, at one or more public or private sales called and conducted in any manner permitted by law; provided, however, that the Indenture Trustee may not sell or otherwise liquidate the Trust Estate following an Event of Default, unless (A) the Indenture Trustee obtains the consent of the Credit Enhancer, which consent will not be unreasonably withheld, and the Noteholders of 100% of the aggregate Note Balance of the Notes, (B) the proceeds of such sale or liquidation distributable to Noteholders are sufficient to discharge in full all amounts then due and unpaid upon the Notes for principal and interest and to reimburse the Credit Enhancer for any amounts drawn under the Policy and any other amounts due the Credit Enhancer under the Insurance Agreement or (C) the Indenture Trustee determines that the Home Loans will not continue to provide sufficient funds for the payment of principal of and interest on the Notes as they would have become due if the Notes had not been declared due and payable, and the Indenture Trustee obtains the consent of the Credit Enhancer, which consent will not be unreasonably withheld, and the Noteholders of 66 2/3% of the aggregate Note Balance of the Notes. In determining such sufficiency or insufficiency with respect to clause (B) and (C) above, the Indenture Trustee may, but need not, obtain and rely, and shall be protected in relying in good faith, upon an opinion of an Independent investment banking or accounting firm of national reputation as to the feasibility of such proposed action and as to the sufficiency of the Trust Estate for such purpose. Notwithstanding the foregoing, provided that a Servicing Default shall not have occurred, any Sale (as defined in Section 5.15 hereof) of the Trust Estate shall be made subject to the continued servicing of the Home Loans by the Servicer as provided in the Servicing Agreement. (b) If the Indenture Trustee collects any money or property pursuant to this Article V, it shall pay out such money or property in the following order: FIRST: to the Indenture Trustee for amounts due under Section 6.07; SECOND: to the Noteholders for amounts due and unpaid on the related Notes for interest, ratably, without preference or priority of any kind, according to the amounts due and payable on such Notes for interest from amounts available in the Trust Estate for such Noteholders; THIRD: to the Noteholders for amounts due and unpaid on the related Notes for principal, ratably, without preference or priority of any kind, according to the amounts due and payable on such Notes for principal, from amounts available in the Trust Estate for such Noteholders, until the respective Note Balances of such Notes have been reduced to zero; FOURTH: to the payment of all amounts due and owing the Credit Enhancer under the Insurance Agreement; FIFTH: to the Certificate Paying Agent for amounts due under Article VIII of the Trust Agreement; and 28 SIXTH: to the payment of the remainder, if any, to the Issuer or any other person legally entitled thereto. The Indenture Trustee may fix a record date and payment date for any payment to Noteholders pursuant to this Section 5.04. At least 15 days before such record date, the Indenture Trustee shall mail to each Noteholder a notice that states the record date, the payment date and the amount to be paid. Section 5.05 OPTIONAL PRESERVATION OF THE TRUST ESTATE. If the Notes have been declared due and payable under Section 5.02 following an Event of Default and such declaration and its consequences have not been rescinded and annulled, the Indenture Trustee may, but need not (but shall at the written direction of the Credit Enhancer), elect to take and maintain possession of the Trust Estate. It is the desire of the parties hereto and the Noteholders that there be at all times sufficient funds for the payment of principal of and interest on the Notes and other obligations of the Issuer including payment to the Credit Enhancer, and the Indenture Trustee shall take such desire into account when determining whether or not to take and maintain possession of the Trust Estate. In determining whether to take and maintain possession of the Trust Estate, the Indenture Trustee may, but need not, obtain and rely, and shall be protected in relying in good faith, upon an opinion of an Independent investment banking or accounting firm of national reputation as to the feasibility of such proposed action and as to the sufficiency of the Trust Estate for such purpose. Section 5.06 LIMITATION OF SUITS. No Noteholder shall have any right to institute any Proceeding, judicial or otherwise, with respect to this Indenture, or for the appointment of a receiver or trustee, or for any other remedy hereunder, unless and subject to the provisions of Section 10.17 hereof: (a) such Noteholder shall have previously given written notice to the Indenture Trustee of a continuing Event of Default; (b) the Noteholders of not less than 25% of the aggregate Note Balance of the Notes shall have made written request to the Indenture Trustee to institute such Proceeding in respect of such Event of Default in its own name as Indenture Trustee hereunder; (c) such Noteholder or Noteholders shall have offered the Indenture Trustee reasonable indemnity against the costs, expenses and liabilities to be incurred by it in complying with such request; (d) the Indenture Trustee for 60 days after its receipt of such notice, request and offer of indemnity shall have failed to institute such Proceedings; and (e) no direction inconsistent with such written request shall have been given to the Indenture Trustee during such 60-day period by the Noteholders of a majority of the aggregate Note Balance of the Notes or by the Credit Enhancer. 29 It is understood and intended that no Noteholder shall have any right in any manner whatever by virtue of, or by availing of, any provision of this Indenture to affect, disturb or prejudice the rights of any other Noteholders or to obtain or to seek to obtain priority or preference over any other Noteholders or to enforce any right under this Indenture, except in the manner herein provided. In the event the Indenture Trustee shall receive conflicting or inconsistent requests and indemnity from two or more groups of Noteholders, each representing less than a majority of the aggregate Note Balance of the Notes, the Indenture Trustee shall act at the direction of the group of Noteholders with the greater Note Balance. In the event that the Indenture Trustee shall receive conflicting or inconsistent requests and indemnity from two or more groups of Noteholders representing the same Note Balance, then the Indenture Trustee in its sole discretion may determine what action, if any, shall be taken, notwithstanding any other provisions of this Indenture. Section 5.07 UNCONDITIONAL RIGHTS OF NOTEHOLDERS TO RECEIVE PRINCIPAL AND INTEREST. Subject to the provisions of this Indenture, the Noteholder of any Note shall have the right, which is absolute and unconditional, to receive payment of the principal of and interest, if any, on such Note on or after the respective due dates thereof expressed in such Note or in this Indenture and to institute suit for the enforcement of any such payment, and such right shall not be impaired without the consent of such Noteholder. Section 5.08 RESTORATION OF RIGHTS AND REMEDIES. If the Indenture Trustee or any Noteholder has instituted any Proceeding to enforce any right or remedy under this Indenture and such Proceeding has been discontinued or abandoned for any reason or has been determined adversely to the Indenture Trustee or to such Noteholder, then and in every such case the Issuer, the Indenture Trustee and the Noteholders shall, subject to any determination in such Proceeding, be restored severally and respectively to their former positions hereunder, and thereafter all rights and remedies of the Indenture Trustee and the Noteholders shall continue as though no such Proceeding had been instituted. Section 5.09 RIGHTS AND REMEDIES CUMULATIVE. No right or remedy herein conferred upon or reserved to the Indenture Trustee, the Credit Enhancer or the Noteholders is intended to be exclusive of any other right or remedy, and every right and remedy shall, to the extent permitted by law, be cumulative and in addition to every other right and remedy given hereunder or now or hereafter existing at law, in equity or otherwise. The assertion or employment of any right or remedy hereunder, or otherwise, shall not prevent the concurrent assertion or employment of any other appropriate right or remedy. Section 5.10 DELAY OR OMISSION NOT A WAIVER. No delay or omission of the Indenture Trustee, the Credit Enhancer or any Noteholder to exercise any right or remedy accruing upon any Event of Default shall impair any such right or remedy or constitute a waiver of any such Event of Default or an acquiescence therein. Every right and remedy given by this Article V or by law to the Indenture Trustee or to the Noteholders may be exercised from time to time, and 30 as often as may be deemed expedient, by the Indenture Trustee or by the Noteholders, as the case may be. Section 5.11 CONTROL BY CREDIT ENHANCER OR NOTEHOLDERS. The Credit Enhancer (so long as no Credit Enhancer Default exists) or the Noteholders of a majority of the aggregate Note Balance of Notes with the consent of the Credit Enhancer, shall have the right to direct the time, method and place of conducting any Proceeding for any remedy available to the Indenture Trustee with respect to the Notes or exercising any trust or power conferred on the Indenture Trustee, provided that: (a) such direction shall not be in conflict with any rule of law or with this Indenture; (b) subject to the express terms of Section 5.04, any direction to the Indenture Trustee to sell or liquidate the Trust Estate shall be by the Credit Enhancer (so long as no Credit Enhancer Default exists) or by the Noteholders of Notes representing not less than 100% of the aggregate Note Balance of the Notes with the consent of the Credit Enhancer; (c) if the conditions set forth in Section 5.05 shall have been satisfied and the Indenture Trustee elects to retain the Trust Estate pursuant to such Section, then any direction to the Indenture Trustee by Noteholders of Notes representing less than 100% of the aggregate Note Balance of the Notes to sell or liquidate the Trust Estate shall be of no force and effect; and (d) the Indenture Trustee may take any other action deemed proper by the Indenture Trustee that is not inconsistent with such direction. Notwithstanding the rights of Noteholders set forth in this Section, subject to Section 6.01, the Indenture Trustee need not take any action that it determines (in its sole discretion) might involve it in liability or might materially adversely affect the rights of any Noteholders not consenting to such action, unless the Trustee has received satisfactory indemnity from the Credit Enhancer or a Noteholder. Section 5.12 WAIVER OF PAST DEFAULTS. Prior to the declaration of the acceleration of the maturity of the Notes as provided in Section 5.02, the Credit Enhancer (so long as no Credit Enhancer Default exists) or the Noteholders of not less than a majority of the aggregate Note Balance of the Notes, with the consent of the Credit Enhancer, may waive any past Event of Default and its consequences, except an Event of Default (a) with respect to payment of principal of or interest on any of the Notes or (b) in respect of a covenant or provision hereof that cannot be modified or amended without the consent of the Noteholder of each Note. In the case of any such waiver, the Issuer, the Indenture Trustee and the Noteholders shall be restored to their respective former positions and rights hereunder; but no such waiver shall extend to any subsequent or other Event of Default or impair any right consequent thereto. 31 Upon any such waiver, any Event of Default arising therefrom shall be deemed to have been cured and not to have occurred, for every purpose of this Indenture; but no such waiver shall extend to any subsequent or other Event of Default or impair any right consequent thereto. Section 5.13 UNDERTAKING FOR COSTS. All parties to this Indenture agree, and each Noteholder by such Noteholder's acceptance of the related Note shall be deemed to have agreed, that any court may in its discretion require, in any Proceeding for the enforcement of any right or remedy under this Indenture, or in any Proceeding against the Indenture Trustee for any action taken, suffered or omitted by it as Indenture Trustee, the filing by any party litigant in such Proceeding of an undertaking to pay the costs of such Proceeding, and that such court may in its discretion assess reasonable costs, including reasonable attorneys' fees, against any party litigant in such Proceeding, having due regard to the merits and good faith of the claims or defenses made by such party litigant; but the provisions of this Section 5.13 shall not apply to (a) any Proceeding instituted by the Indenture Trustee, (b) any Proceeding instituted by any Noteholder, or group of Noteholders, in each case holding in the aggregate more than 10% of the aggregate Note Balance of the Notes or (c) any Proceeding instituted by any Noteholder for the enforcement of the payment of principal of or interest on any Note on or after the respective due dates expressed in such Note and in this Indenture. Section 5.14 WAIVER OF STAY OR EXTENSION LAWS. The Issuer covenants (to the extent that it may lawfully do so) that it will not at any time insist upon, or plead or in any manner whatsoever, claim or take the benefit or advantage of, any stay or extension law wherever enacted, now or at any time hereafter in force, that may affect the covenants or the performance of this Indenture; and the Issuer (to the extent that it may lawfully do so) hereby expressly waives all benefit or advantage of any such law, and covenants that it shall not hinder, delay or impede the execution of any power herein granted to the Indenture Trustee, but will suffer and permit the execution of every such power as though no such law had been enacted. Section 5.15 SALE OF TRUST ESTATE. (a) The power to effect any sale or other disposition (a "Sale") of any portion of the Trust Estate pursuant to Section 5.04 is expressly subject to the provisions of Section 5.05 and this Section 5.15. The power to effect any such Sale shall not be exhausted by any one or more Sales as to any portion of the Trust Estate remaining unsold, but shall continue unimpaired until the entire Trust Estate shall have been sold or all amounts payable on the Notes and under this Indenture and under the Insurance Agreement shall have been paid. The Indenture Trustee may from time to time postpone any public Sale by public announcement made at the time and place of such Sale. The Indenture Trustee hereby expressly waives its right to any amount fixed by law as compensation for any Sale. (b) The Indenture Trustee shall not in any private Sale sell the Trust Estate, or any portion thereof, unless: (i) the Noteholders of all Notes and the Credit Enhancer direct the Indenture Trustee to make, such Sale, 32 (ii) the proceeds of such Sale would be not less than the entire amount that would be payable to the Noteholders under the Notes, the Certificateholders under the Certificates and the Credit Enhancer in respect of amounts drawn under the Policy and any other amounts due the Credit Enhancer under the Insurance Agreement, in full payment thereof in accordance with Section 5.02, on the Payment Date next succeeding the date of such Sale, or (iii) the Indenture Trustee determines, in its sole discretion, that the conditions for retention of the Trust Estate set forth in Section 5.05 cannot be satisfied (in making any such determination, the Indenture Trustee may rely and shall be protected in relying in good faith upon an opinion of an Independent investment banking firm obtained and delivered as provided in Section 5.05), and the Credit Enhancer consents to such Sale (which consent shall not be unreasonably withheld), and the Noteholders of Notes representing at least 66 2/3% of the aggregate Note Balance of the Notes consent to such Sale. The purchase by the Indenture Trustee of all or any portion of the Trust Estate at a private Sale shall not be deemed a Sale or other disposition thereof for purposes of this Section 5.15(b). (c) Unless the Noteholders and the Credit Enhancer shall have otherwise consented or directed the Indenture Trustee, at any public Sale of all or any portion of the Trust Estate at which a minimum bid equal to or greater than the amount described in paragraph (ii) of subsection (b) of this Section 5.15 has not been established by the Indenture Trustee and no Person bids an amount equal to or greater than such amount, then the Indenture Trustee shall bid an amount at least $1.00 more than the highest other bid, which bid shall be subject to the provisions of Section 5.15(d)(ii). (d) In connection with a Sale of all or any portion of the Trust Estate: (i) any Noteholder may bid for and, with the consent of the Credit Enhancer, purchase the property offered for sale, and upon compliance with the terms of sale may hold, retain and possess and dispose of such property, without further accountability, and may, in paying the purchase money therefor, deliver any Notes or claims for interest thereon in lieu of cash up to the amount which shall, upon distribution of the net proceeds of such sale, be payable thereon, and such Notes, in case the amounts so payable thereon shall be less than the amount due thereon, shall be returned to the Noteholders thereof after being appropriately stamped to show such partial payment; (ii) the Indenture Trustee may bid for and acquire the property offered for Sale in connection with any Sale thereof and, subject to any requirements of, and to the extent permitted by, applicable law in connection therewith, may purchase all or any portion of the Trust Estate in a private sale. In lieu of paying cash therefor, the Indenture Trustee may make settlement for the purchase price by crediting the gross Sale price against the sum of (A) the amount that would be distributable to the Noteholders and the Certificateholders and amounts owing to the Credit Enhancer as a result of such Sale in accordance with Section 5.04(b) on the 33 Payment Date next succeeding the date of such Sale and (B) the expenses of the Sale and of any Proceedings in connection therewith that are reimbursable to it, without being required to produce the Notes in order to complete any such Sale or in order for the net Sale price to be credited against such Notes, and any property so acquired by the Indenture Trustee shall be held and dealt with by it in accordance with the provisions of this Indenture; (iii) the Indenture Trustee shall execute and deliver an appropriate instrument of conveyance transferring its interest in any portion of the Trust Estate in connection with a Sale thereof; (iv) the Indenture Trustee is hereby irrevocably appointed the agent and attorney-in-fact of the Issuer to transfer and convey its interest in any portion of the Trust Estate in connection with a Sale thereof, and to take all action necessary to effect such Sale; and (v) no purchaser or transferee at such a Sale shall be bound to ascertain the Indenture Trustee's authority, inquire into the satisfaction of any conditions precedent or see to the application of any monies. Section 5.16 ACTION ON NOTES. The Indenture Trustee's right to seek and recover judgment on the Notes or under this Indenture shall not be affected by the seeking, obtaining or application of any other relief under or with respect to this Indenture. Neither the lien of this Indenture nor any rights or remedies of the Indenture Trustee or the Noteholders shall be impaired by the recovery of any judgment by the Indenture Trustee against the Issuer or by the levy of any execution under such judgment upon any portion of the Trust Estate or upon any of the assets of the Issuer. Any money or property collected by the Indenture Trustee shall be applied in accordance with Section 5.04(b). Section 5.17 PERFORMANCE AND ENFORCEMENT OF CERTAIN OBLIGATIONS. (a) Promptly following a written request from the Credit Enhancer or the Indenture Trustee (with the written consent of the Credit Enhancer), the Issuer, in its capacity as owner of the Home Loans, shall, with the written consent of the Credit Enhancer, take all such lawful action as the Indenture Trustee may request to cause the Issuer to compel or secure the performance and observance by the Seller and the Servicer, as applicable, of each of their obligations to the Issuer under or in connection with the Purchase Agreement and the Servicing Agreement, and to exercise any and all rights, remedies, powers and privileges lawfully available to the Issuer under or in connection with the Purchase Agreement and the Servicing Agreement to the extent and in the manner directed by the Indenture Trustee, as pledgee of the Home Loans, including the transmission of notices of default on the part of the Seller or the Servicer thereunder and the institution of legal or administrative actions or proceedings to compel or secure performance by the Seller or the Servicer of each of their obligations under the Purchase Agreement and the Servicing Agreement. 34 (b) If an Event of Default shall have occurred and be continuing, the Indenture Trustee, as pledgee of the Home Loans, subject to the rights of the Credit Enhancer under the Servicing Agreement, may, and at the direction (which direction shall be in writing or by telephone (confirmed in writing promptly thereafter)) of the Noteholders of 66 2/3% of the aggregate Note Balance of the Notes, shall, exercise all rights, remedies, powers, privileges and claims of the Issuer against the Seller or the Servicer under or in connection with the Purchase Agreement and the Servicing Agreement, including the right or power to take any action to compel or secure performance or observance by the Seller or the Servicer, as the case may be, of each of their obligations to the Issuer thereunder and to give any consent, request, notice, direction, approval, extension or waiver under the Purchase Agreement and the Servicing Agreement, as the case may be, and any right of the Issuer to take such action shall not be suspended. In connection therewith, as determined by the Indenture Trustee, the Issuer shall take all actions necessary to effect the transfer of the Home Loans to the Indenture Trustee. ARTICLE VI The Indenture Trustee Section 6.01 DUTIES OF INDENTURE TRUSTEE. (a) If an Event of Default shall have occurred and be continuing, the Indenture Trustee shall exercise the rights and powers vested in it by this Indenture and use the same degree of care and skill in their exercise as a prudent Person would exercise or use under the circumstances in the conduct of such Person's own affairs. (b) Except during the continuance of an Event of Default: (i) the Indenture Trustee undertakes to perform such duties and only such duties as are specifically set forth in this Indenture and no implied covenants or obligations shall be read into this Indenture against the Indenture Trustee; and (ii) in the absence of bad faith on its part, the Indenture Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon certificates, reports or opinions furnished to the Indenture Trustee and conforming to the requirements of this Indenture; provided, however, that the Indenture Trustee shall examine the certificates, reports and opinions to determine whether or not they conform to the requirements of this Indenture. (c) The Indenture Trustee may not be relieved from liability for its own negligent action, its own negligent failure to act or its own willful misconduct, except that: (i) this paragraph does not limit the effect of paragraph (a) of this Section 6.01; 35 (ii) the Indenture Trustee shall not be liable for any error of judgment made in good faith by a Responsible Officer unless it is proved that the Indenture Trustee was negligent in ascertaining the pertinent facts; and (iii) the Indenture Trustee shall not be liable with respect to any action it takes or omits to take in good faith in accordance with a direction received by it pursuant to Section 5.11 or any direction from the Credit Enhancer that the Credit Enhancer is entitled to give under any of the Basic Documents. (d) The Indenture Trustee shall not be liable for interest on any money received by it except as the Indenture Trustee may agree in writing with the Issuer. (e) Money held in trust by the Indenture Trustee need not be segregated from other funds except to the extent required by law or the terms of this Indenture or the Trust Agreement. (f) No provision of this Indenture shall require the Indenture Trustee to expend or risk its own funds or otherwise incur financial liability in the performance of any of its duties hereunder or in the exercise of any of its rights or powers, if it shall have reasonable grounds to believe that repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it. (g) Every provision of this Indenture relating to the conduct or affecting the liability of or affording protection to the Indenture Trustee shall be subject to the provisions of this Section and to the provisions of TIA. (h) With respect to each Payment Date, on the Business Day following the related Determination Date, the Indenture Trustee shall forward or cause to be forwarded by mail, or other mutually agreed-upon method, to the Credit Enhancer and the Servicer, a statement setting forth, to the extent applicable, during the Pre-Funding Period, the Pre-Funded Amount as of such Payment Date and any transfers of funds in connection therewith. (i) The Indenture Trustee hereby accepts appointment as Certificate Paying Agent under the Trust Agreement and agrees to be bound by the provisions of the Trust Agreement relating to the Certificate Paying Agent. The Indenture Trustee hereby agrees to be bound by the provisions of Article IX of the Trust Agreement. (j) The Indenture Trustee shall not be required to take notice or be deemed to have notice or knowledge of any Event of Default (except for an Event of Default specified in clause (a) of the definition thereof) unless a Responsible Officer of the Indenture Trustee shall have received written notice or have actual knowledge thereof. In the absence of receipt of such notice or such knowledge, the Indenture Trustee may conclusively assume that there is no default or Event of Default. 36 (k) The Indenture Trustee shall have no duty to see to any recording or filing of any financing statement or continuation statement evidencing a security interest or to see to the maintenance of any such recording or filing or to any rerecording or refiling of any thereof. Section 6.02 RIGHTS OF INDENTURE TRUSTEE. (a) The Indenture Trustee may rely and shall be protected in acting or refraining from acting in good faith upon any resolution, Officer's Certificate, opinion of counsel, certificate of auditors, or any other certificate, statement, instrument, report, notice, consent or other document believed by it to be genuine and to have been signed or presented by the proper person. The Indenture Trustee need not investigate any fact or matter stated in any such document. (b) Before the Indenture Trustee acts or refrains from acting, it may require an Officer's Certificate or an Opinion of Counsel. The Indenture Trustee shall not be liable for any action it takes or omits to take in good faith in reliance on any such Officer's Certificate or Opinion of Counsel. (c) The Indenture Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys or a custodian or nominee, and the Indenture Trustee shall not be responsible for any misconduct or negligence on the part of, or for the supervision of, any such agent, attorney, custodian or nominee appointed with due care by it hereunder. (d) The Indenture Trustee shall not be liable for any action it takes or omits to take in good faith which it believes to be authorized or within its rights or powers; provided, however, that the Indenture Trustee's conduct does not constitute willful misconduct, negligence or bad faith. (e) The Indenture Trustee may consult with counsel, and the advice or opinion of counsel with respect to legal matters relating to this Indenture and the Notes shall be full and complete authorization and protection from liability in respect to any action taken, omitted or suffered by it hereunder in good faith and in accordance with the advice or opinion of such counsel. (f) The Indenture Trustee shall not be personally liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement, unless it shall be proved that the Indenture Trustee was negligent in ascertaining the pertinent facts. (g) Prior to the occurrence of an Event of Default hereunder, and after the curing or waiver of all Events of Default that may have occurred, the Indenture Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing to do so by the Credit Enhancer or Noteholders 37 representing a majority of the aggregate Note Balance; provided, however, that if the payment within a reasonable time to the Indenture Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Indenture Trustee, not assured to the Indenture Trustee by the security afforded to it by the terms of this Indenture, the Indenture Trustee may require indemnity satisfactory to the Indenture Trustee against such cost, expense or liability as a condition to taking any such action. (h) The Indenture Trustee shall be under no obligation to exercise any of the trusts or powers vested in it by this Agreement or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Noteholders or the Credit Enhancer, pursuant to the provisions of this Agreement, unless the Noteholders or the Credit Enhancer shall have offered to the Indenture Trustee reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Indenture Trustee of the obligation, upon the occurrence of an Event of Default (which has not been cured or waived), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs. Section 6.03 INDIVIDUAL RIGHTS OF INDENTURE TRUSTEE. The Indenture Trustee in its individual or any other capacity may become the owner or pledgee of Notes and may otherwise deal with the Issuer or its Affiliates with the same rights it would have if it were not Indenture Trustee. Any Note Registrar, co-registrar or co-paying agent may do the same with like rights. However, the Indenture Trustee must comply with Sections 6.11 and 6.12. Section 6.04 INDENTURE TRUSTEE'S DISCLAIMER. The Indenture Trustee shall not be (i) responsible for and makes no representation as to the validity or adequacy of this Indenture or the Notes, (ii) accountable for the Issuer's use of the proceeds from the Notes or (iii) responsible for any statement of the Issuer in this Indenture or in any document issued in connection with the sale of the Notes or in the Notes, other than the Indenture Trustee's certificate of authentication thereon. Section 6.05 NOTICE OF EVENT OF DEFAULT. If an Event of Default shall occur and be continuing, and if such Event of Default is known to a Responsible Officer of the Indenture Trustee, then the Indenture Trustee shall give notice thereof to the Credit Enhancer. The Indenture Trustee shall mail to each Noteholder notice of such Event of Default within 90 days after it occurs. Except in the case of an Event of Default with respect to the payment of principal of or interest on any Note, the Indenture Trustee may withhold such notice if and so long as a committee of its Responsible Officers in good faith determines that withholding such notice is in the interests of the Noteholders. Section 6.06 REPORTS BY INDENTURE TRUSTEE TO NOTEHOLDERS. The Indenture Trustee shall deliver to each Noteholder such information as may be required to enable such Noteholder to prepare its federal and state income tax returns. In addition, upon Issuer Request, the Indenture Trustee shall promptly furnish such 38 information reasonably requested by the Issuer that is reasonably available to the Indenture Trustee to enable the Issuer to perform its federal and state income tax reporting obligations. Section 6.07 COMPENSATION AND INDEMNITY. The Indenture Trustee shall be compensated and indemnified by the Servicer in accordance with Section 6.06 of the Servicing Agreement. All amounts owing the Indenture Trustee hereunder in excess of such amount, as well as any amount owed to the Indenture Trustee in accordance with Section 6.06 of the Servicing Agreement, to the extent the Servicer has failed to pay such amount, shall be paid solely as provided in Section 3.05 hereof (subject to the priorities set forth therein). The Indenture Trustee's compensation shall not be limited by any law on compensation of a trustee of an express trust. The Issuer shall reimburse the Indenture Trustee for all reasonable out-of-pocket expenses incurred or made by it, including costs of collection, in addition to the compensation for its services. Such expenses shall include the reasonable compensation, expenses, disbursements and advances of the Indenture Trustee's agents, counsel, accountants and experts. The Issuer shall indemnify the Indenture Trustee against any and all loss, liability or expense (including attorneys' fees) incurred by it in connection with the administration of this trust and the performance of its duties hereunder. The Indenture Trustee shall notify the Issuer promptly of any claim for which it may seek indemnity. Failure by the Indenture Trustee to so notify the Issuer shall not relieve the Issuer of its obligations hereunder. The Issuer shall defend any such claim, and the Indenture Trustee may have separate counsel and the Issuer shall pay the fees and expenses of such counsel. The Issuer is not obligated to reimburse any expense or indemnify against any loss, liability or expense incurred by the Indenture Trustee through the Indenture Trustee's own willful misconduct, negligence or bad faith. The Issuer's payment obligations to the Indenture Trustee pursuant to this Section 6.07 shall survive the discharge of this Indenture. When the Indenture Trustee incurs expenses after the occurrence of an Event of Default specified in clause (c) or (d) of the definition thereof with respect to the Issuer, such expenses are intended to constitute expenses of administration under Title 11 of the United States Code or any other applicable federal or state bankruptcy, insolvency or similar law. Section 6.08 REPLACEMENT OF INDENTURE TRUSTEE. No resignation or removal of the Indenture Trustee and no appointment of a successor Indenture Trustee shall become effective until the acceptance of appointment by the successor Indenture Trustee pursuant to this Section 6.08. The Indenture Trustee may resign at any time by so notifying the Issuer and the Credit Enhancer. The Credit Enhancer or the Noteholders of a majority of the aggregate Note Balance of the Notes may remove the Indenture Trustee by so notifying the Indenture Trustee and the Credit Enhancer (if given by such Noteholders) and may appoint a successor Indenture Trustee. Unless a Servicer Default has occurred and is continuing, the appointment of any successor Indenture Trustee shall be subject to the prior written approval of the Servicer. The Issuer shall remove the Indenture Trustee if: (a) the Indenture Trustee fails to comply with Section 6.11; (b) the Indenture Trustee is adjudged a bankrupt or insolvent; 39 (c) a receiver or other public officer takes charge of the Indenture Trustee or its property; or (d) the Indenture Trustee otherwise becomes incapable of fulfilling its duties under the Basic Documents. If the Indenture Trustee resigns or is removed or if a vacancy exists in the office of the Indenture Trustee for any reason (the Indenture Trustee in such event being referred to herein as the retiring Indenture Trustee), the Issuer shall promptly appoint a successor Indenture Trustee with the consent of the Credit Enhancer, which consent shall not be unreasonably withheld. In addition, the Indenture Trustee shall resign to avoid being directly or indirectly controlled by the Issuer. A successor Indenture Trustee shall deliver a written acceptance of its appointment to the retiring Indenture Trustee and to the Issuer. Thereupon, the resignation or removal of the retiring Indenture Trustee shall become effective, and the successor Indenture Trustee shall have all the rights, powers and duties of the Indenture Trustee under this Indenture. The successor Indenture Trustee shall mail a notice of its succession to the Noteholders. The retiring Indenture Trustee shall promptly transfer all property held by it as Indenture Trustee to the successor Indenture Trustee. If a successor Indenture Trustee does not take office within 60 days after the retiring Indenture Trustee resigns or is removed, then the retiring Indenture Trustee, the Issuer or the Noteholders of a majority of aggregate Note Balance of the Notes may petition any court of competent jurisdiction for the appointment of a successor Indenture Trustee. If the Indenture Trustee fails to comply with Section 6.11, any Noteholder may petition any court of competent jurisdiction for the removal of the Indenture Trustee and the appointment of a successor Indenture Trustee. Notwithstanding the replacement of the Indenture Trustee pursuant to this Section, the Issuer's obligations under Section 6.07 shall continue for the benefit of the retiring Indenture Trustee. Section 6.09 SUCCESSOR INDENTURE TRUSTEE BY MERGER. If the Indenture Trustee consolidates with, merges or converts into, or transfers all or substantially all its corporate trust business or assets to, another corporation or banking association, then the resulting, surviving or transferee corporation without any further act shall be the successor Indenture Trustee; provided, that such corporation or banking association shall be otherwise qualified and eligible under Section 6.11. The Indenture Trustee shall provide the Rating Agencies with written notice of any such transaction occurring after the Closing Date. If at the time of any such succession by merger, conversion or consolidation, any of the Notes shall have been authenticated but not delivered, then any such successor to the Indenture Trustee may adopt the certificate of 40 authentication of any predecessor trustee, and deliver such Notes so authenticated. If at such time any of the Notes shall not have been authenticated, any successor to the Indenture Trustee may authenticate such Notes either in the name of any predecessor hereunder or in the name of the successor to the Indenture Trustee; and in all such cases, such certificates shall have the full force that it is anywhere in the Notes or in this Indenture provided that the certificate of the Indenture Trustee shall have. Section 6.10 APPOINTMENT OF CO-INDENTURE TRUSTEE OR SEPARATE INDENTURE TRUSTEE. (a) Notwithstanding any other provisions of this Indenture, at any time, for the purpose of meeting any legal requirement of any jurisdiction in which any part of the Trust Estate may at such time be located, the Indenture Trustee shall have the power and may execute and deliver all instruments to appoint one or more Persons to act as a co-trustee or co-trustees, or separate trustee or separate trustees, of all or any part of the Issuer, and to vest in such Person or Persons, in such capacity and for the benefit of the Noteholders, such title to the Trust Estate, or any part thereof, and, subject to the other provisions of this Section, such powers, duties, obligations, rights and trusts as the Indenture Trustee may consider necessary or desirable. No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 6.11, and no notice to Noteholders of the appointment of any co-trustee or separate trustee shall be required under Section 6.08 hereof. (b) Every separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions and conditions: (i) all rights, powers, duties and obligations conferred or imposed upon the Indenture Trustee shall be conferred or imposed upon and exercised or performed by the Indenture Trustee and such separate trustee or co-trustee jointly (it being understood that such separate trustee or co-trustee is not authorized to act separately without the Indenture Trustee joining in such act), except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed the Indenture Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust Estate or any portion thereof in any such jurisdiction) shall be exercised and performed singly by such separate trustee or co-trustee, but solely at the direction of the Indenture Trustee; (ii) no trustee hereunder shall be personally liable by reason of any act or omission of any other trustee hereunder; and (iii) the Indenture Trustee may at any time accept the resignation of or remove any separate trustee or co-trustee. (c) Any notice, request or other writing given to the Indenture Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and 41 the conditions of this Article VI. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Indenture Trustee or separately, as may be provided therein, subject to all the provisions of this Indenture, specifically including every provision of this Indenture relating to the conduct of, affecting the liability of, or affording protection to, the Indenture Trustee. Every such instrument shall be filed with the Indenture Trustee. (d) Any separate trustee or co-trustee may at any time constitute the Indenture Trustee, its agent or attorney-in-fact with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Indenture on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Indenture Trustee, to the extent permitted by law, without the appointment of a new or successor trustee. Section 6.11 ELIGIBILITY; DISQUALIFICATION. The Indenture Trustee shall at all times satisfy the requirements of TIA ss. 310(a). The Indenture Trustee shall have a combined capital and surplus of at least $50,000,000 as set forth in its most recent published annual report of condition and it or its parent shall have a long-term debt rating of A or better by Moody's. The Indenture Trustee shall comply with TIA ss. 310(b), including the optional provision permitted by the second sentence of TIA ss. 310(b)(9); provided, however, that there shall be excluded from the operation of TIA ss. 310(b)(1) any indenture or indentures under which other securities of the Issuer are outstanding if the requirements for such exclusion set forth in TIA ss. 310(b)(1) are met. Section 6.12 PREFERENTIAL COLLECTION OF CLAIMS AGAINST ISSUER. The Indenture Trustee shall comply with TIA ss. 311(a), excluding any creditor relationship listed in TIA ss. 311(b). An Indenture Trustee that has resigned or been removed shall be subject to TIA ss. 311(a) to the extent indicated. Section 6.13 REPRESENTATIONS AND WARRANTIES. The Indenture Trustee hereby represents and warrants that: (a) The Indenture Trustee is duly organized, validly existing and in good standing under the laws of the State of New York with power and authority to own its properties and to conduct its business as such properties are currently owned and such business is currently conducted. (b) The Indenture Trustee has the power and authority to execute and deliver this Indenture and to carry out its terms; and the execution, delivery and performance of this Indenture have been duly authorized by the Indenture Trustee by all necessary corporate action. (c) The consummation of the transactions contemplated by this Indenture and the fulfillment of the terms hereof do not conflict with, result in any breach of any of the terms and provisions of, or constitute (with or without notice or 42 lapse of time) a default under, the articles of organization or bylaws of the Indenture Trustee or any agreement or other instrument to which the Indenture Trustee is a party or by which it is bound. (d) To the Indenture Trustee's best knowledge, there are no Proceedings or investigations pending or threatened before any court, regulatory body, administrative agency or other governmental instrumentality having jurisdiction over the Indenture Trustee or its properties (A) asserting the invalidity of this Indenture, (B) seeking to prevent the consummation of any of the transactions contemplated by this Indenture or (C) seeking any determination or ruling that might materially and adversely affect the performance by the Indenture Trustee of its obligations under, or the validity or enforceability of, this Indenture. (e) The Indenture Trustee does not have notice of any adverse claim (as such terms are used in Section 8-302 of the UCC in effect in the State of Delaware) with respect to the Home Loans. Section 6.14 DIRECTIONS TO INDENTURE TRUSTEE. The Indenture Trustee is hereby directed: (a) to accept the pledge of the Home Loans and hold the assets of the Trust in trust for the Noteholders and the Credit Enhancer; (b) to authenticate and deliver the Notes substantially in the form prescribed by Exhibit A in accordance with the terms of this Indenture; and (c) to take all other actions as shall be required to be taken by the terms of this Indenture. Section 6.15 INDENTURE TRUSTEE MAY OWN SECURITIES. The Indenture Trustee, in its individual or any other capacity, may become the owner or pledgee of Securities with the same rights it would have if it were not Indenture Trustee. ARTICLE VII Noteholders' Lists and Reports Section 7.01 ISSUER TO FURNISH INDENTURE TRUSTEE NAMES AND ADDRESSES OF NOTEHOLDERS. The Issuer shall furnish or cause to be furnished to the Indenture Trustee (a) not more than five days after each Record Date, a list, in such form as the Indenture Trustee may reasonably require, of the names and addresses of the Noteholders as of such Record Date, and (b) at such other times as the Indenture Trustee and the Credit Enhancer may request in writing, within 30 days after receipt by the Issuer of any such request, a list of similar form and content as of a date not more than 10 days prior to the time such list is furnished; provided, however, that for so long as the Indenture Trustee is the Note Registrar, no such list need be furnished. Section 7.02 PRESERVATION OF INFORMATION; COMMUNICATIONS TO NOTEHOLDERS. 43 (a) The Indenture Trustee shall preserve, in as current a form as is reasonably practicable, the names and addresses of the Noteholders contained in the most recent list furnished to the Indenture Trustee as provided in Section 7.01 and the names and addresses of the Noteholders received by the Indenture Trustee in its capacity as Note Registrar. The Indenture Trustee may destroy any list furnished to it as provided in such Section 7.01 upon receipt of a new list so furnished. (b) Noteholders may communicate pursuant to TIA ss. 312(b) with other Noteholders with respect to their rights under this Indenture or under the Notes. (c) The Issuer, the Indenture Trustee and the Note Registrar shall have the protection of TIA ss. 312(c). Section 7.03 REPORTS BY ISSUER. (a) The Issuer shall: (i) file with the Indenture Trustee, within 15 days after the Issuer is required to file the same with the Commission, copies of the annual reports and the information, documents and other reports (or copies of such portions of any of the foregoing as the Commission may from time to time by rules and regulations prescribe) that the Issuer may be required to file with the Commission pursuant to Section 13 or 15(d) of the Exchange Act; (ii) file with the Indenture Trustee and the Commission, in accordance with rules and regulations prescribed from time to time by the Commission, such additional information, documents and reports with respect to compliance by the Issuer with the conditions and covenants of this Indenture as may be required from time to time by such rules and regulations; and (iii) supply to the Indenture Trustee (and the Indenture Trustee shall transmit by mail to all Noteholders described in TIA ss. 313(c)) such summaries of any information, documents and reports required to be filed by the Issuer pursuant to clauses (i) and (ii) of this Section 7.03(a) and by rules and regulations prescribed from time to time by the Commission. (b) Unless the Issuer otherwise determines, the fiscal year of the Issuer shall end on December 31 of each year. Section 7.04 REPORTS BY INDENTURE TRUSTEE. If required by TIA ss. 313(a), within 60 days after each January 1, beginning with January 1, 2001, the Indenture Trustee shall make available to each Noteholder as required by TIA ss. 313(c) and to the Credit Enhancer a brief report dated as of such date that complies with TIA ss. 313(a). The Indenture Trustee also shall comply with TIA ss. 313(b). 44 A copy of each report at the time of its distribution to Noteholders shall be filed by the Indenture Trustee with the Commission, if required, and each stock exchange, if any, on which the Notes are listed. The Issuer shall notify the Indenture Trustee if and when the Notes are listed on any stock exchange. ARTICLE VIII Accounts, Disbursements and Releases Section 8.01 COLLECTION OF MONEY. Except as otherwise expressly provided herein, the Indenture Trustee may demand payment or delivery of, and shall receive and collect, directly and without intervention or assistance of any fiscal agent or other intermediary, all money and other property payable to or receivable by the Indenture Trustee pursuant to this Indenture. The Indenture Trustee shall apply all such money received by it as provided in this Indenture. Except as otherwise expressly provided in this Indenture, if any default occurs in the making of any payment or performance under any agreement or instrument that is part of the Trust Estate, the Indenture Trustee may take such action as may be appropriate to enforce such payment or performance, including the institution and prosecution of appropriate Proceedings. Any such action shall be without prejudice to any right to claim a Default or Event of Default under this Indenture and any right to proceed thereafter as provided in Article V. Section 8.02 TRUST ACCOUNTS. (a) On or prior to the Closing Date, the Issuer shall cause the Indenture Trustee to establish and maintain, in the name of the Indenture Trustee, for the benefit of the Noteholders, the Certificate Paying Agent, on behalf of the Certificateholders, and the Credit Enhancer, the Note Payment Account as provided in Section 3.01 of this Indenture. (b) All monies deposited from time to time in the Note Payment Account pursuant to the Servicing Agreement and all deposits therein pursuant to this Indenture are for the benefit of the Noteholders, the Credit Enhancer and the Certificate Paying Agent, on behalf of the Certificateholders, and all investments made with such monies, including all income or other gain from such investments, are for the benefit of the Servicer as provided in Section 5.01 of the Servicing Agreement. On each Payment Date, the Indenture Trustee shall distribute all amounts on deposit in the Note Payment Account to the Noteholders in respect of the Notes and, in its capacity as Certificate Paying Agent, to the Certificateholders from the Distribution Account in the order of priority set forth in Section 3.05 (except as otherwise provided in Section 5.04(b)) and in accordance with the Servicing Certificate. The Indenture Trustee shall invest any funds in the Note Payment Account in Permitted Investments selected in writing by the Servicer maturing no later than the Business Day preceding the next succeeding Payment Date (except that (i) any investment in the institution with which the Note Payment Account is 45 maintained may mature on such Payment Date and (ii) any other investment may mature on such Payment Date if the Servicer shall advance funds on such Payment Date to the Note Payment Account in the amount payable on such investment on such Payment Date, pending receipt thereof to the extent necessary to make distributions on the Notes) and shall not be sold or disposed of prior to the maturity. The Indenture Trustee shall have no liability whatsoever for investment losses on Permitted Investments, if such investments are made in accordance with the provisions of this Indenture. Section 8.03 OFFICER'S CERTIFICATE. The Indenture Trustee shall receive at least seven days' notice when requested by the Issuer to take any action pursuant to Section 8.05(a), accompanied by copies of any instruments to be executed, and the Indenture Trustee shall also require, as a condition to such action, an Officer's Certificate, in form and substance satisfactory to the Indenture Trustee, stating the legal effect of any such action, outlining the steps required to complete the same, and concluding that all conditions precedent to the taking of such action have been complied with. Section 8.04 TERMINATION UPON DISTRIBUTION TO NOTEHOLDERS. This Indenture and the respective obligations and responsibilities of the Issuer and the Indenture Trustee created hereby shall terminate upon the distribution to the Noteholders, the Certificate Paying Agent on behalf of the Certificateholders and the Indenture Trustee of all amounts required to be distributed pursuant to Article III; provided, however, that in no event shall the trust created hereby continue beyond the expiration of 21 years from the death of the survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James's, living on the date hereof. Section 8.05 RELEASE OF TRUST ESTATE. (a) Subject to the payment of its fees, expenses and indemnification, the Indenture Trustee may, and when required by the provisions of this Indenture or the Servicing Agreement, shall, execute instruments to release property from the lien of this Indenture, or convey the Indenture Trustee's interest in the same, in a manner and under circumstances that are not inconsistent with the provisions of this Indenture. No Person relying upon an instrument executed by the Indenture Trustee as provided in Article VIII hereunder shall be bound to ascertain the Indenture Trustee's authority, inquire into the satisfaction of any conditions precedent, or see to the application of any monies. (b) The Indenture Trustee shall, at such time as (i) there are no Notes Outstanding, (ii) all sums due the Indenture Trustee pursuant to this Indenture have been paid and (iii) all sums due the Credit Enhancer have been paid, release any remaining portion of the Trust Estate that secured the Notes from the lien of this Indenture. (c) The Indenture Trustee shall release property from the lien of this Indenture pursuant to this Section 8.05 only upon receipt of an Issuer Request accompanied by an Officers' Certificate and a letter from the Credit Enhancer stating that the Credit Enhancer has no objection to such request from the Issuer. 46 (d) The Indenture Trustee shall, at the request of the Issuer or the Depositor, surrender the Policy to the Credit Enhancer for cancellation, upon final payment of principal of and interest on the Notes. Section 8.06 SURRENDER OF NOTES UPON FINAL PAYMENT. By acceptance of any Note, the Noteholder thereof agrees to surrender such Note to the Indenture Trustee promptly, prior to such Noteholder's receipt of the final payment thereon. ARTICLE IX Supplemental Indentures Section 9.01 SUPPLEMENTAL INDENTURES WITHOUT CONSENT OF NOTEHOLDERS. (a) Without the consent of the Noteholders of any Notes but with prior notice to the Rating Agencies and the Credit Enhancer, the Issuer and the Indenture Trustee, when authorized by an Issuer Request, at any time and from time to time, may enter into one or more indentures supplemental hereto (which shall conform to the provisions of the Trust Indenture Act as in force at the date of the execution thereof), in form satisfactory to the Indenture Trustee, for any of the following purposes: (i) to correct or amplify the description of any property at any time subject to the lien of this Indenture, or better to assure, convey and confirm unto the Indenture Trustee any property subject or required to be subjected to the lien of this Indenture, or to subject to the lien of this Indenture additional property; (ii) to evidence the succession, in compliance with the applicable provisions hereof, of another Person to the Issuer, and the assumption by any such successor of the covenants of the Issuer herein and in the Notes contained; (iii) to add to the covenants of the Issuer, for the benefit of the Noteholders or the Credit Enhancer, or to surrender any right or power herein conferred upon the Issuer; (iv) to convey, transfer, assign, mortgage or pledge any property to or with the Indenture Trustee; (v) to cure any ambiguity, to correct or supplement any provision herein or in any supplemental indenture that may be inconsistent with any other provision herein or in any supplemental indenture; (vi) to make any other provisions with respect to matters or questions arising under this Indenture or in any supplemental indenture; provided, that such action shall not materially and adversely affect the interests of the Noteholders or the Credit Enhancer (as evidenced by an Opinion of Counsel); 47 (vii) to evidence and provide for the acceptance of the appointment hereunder by a successor trustee with respect to the Notes and to add to or change any of the provisions of this Indenture as shall be necessary to facilitate the administration of the trusts hereunder by more than one trustee, pursuant to the requirements of Article VI; or (viii)to modify, eliminate or add to the provisions of this Indenture to such extent as shall be necessary to effect the qualification of this Indenture under TIA or under any similar federal statute hereafter enacted and to add to this Indenture such other provisions as may be expressly required by TIA; provided, however, that no such supplemental indenture shall be entered into unless the Indenture Trustee shall have received an Opinion of Counsel to the effect that the execution of such supplemental indenture will not give rise to any material adverse tax consequence to the Noteholders. The Indenture Trustee is hereby authorized to join in the execution of any such supplemental indenture and to make any further appropriate agreements and stipulations that may be therein contained. (b) The Issuer and the Indenture Trustee, when authorized by an Issuer Request, may, without the consent of any Noteholder but with prior notice to the Rating Agencies and the Credit Enhancer, enter into an indenture or indentures supplemental hereto for the purpose of adding any provisions to, or changing in any manner or eliminating any of the provisions of, this Indenture or of modifying in any manner the rights of the Noteholders under this Indenture; provided, however, that such action shall not, as evidenced by an Opinion of Counsel, (i) adversely affect in any material respect the interests of any Noteholder or the Credit Enhancer or (ii) cause the Issuer to be subject to an entity level tax. Section 9.02 SUPPLEMENTAL INDENTURES WITH CONSENT OF NOTEHOLDERS. The Issuer and the Indenture Trustee, when authorized by an Issuer Request, may, with prior notice to the Rating Agencies and with the consent of the Credit Enhancer and the Noteholders of not less than a majority of the Note Balances of each Class of Notes affected thereby, by Act (as defined in Section 10.03 hereof) of such Noteholders delivered to the Issuer and the Indenture Trustee, enter into an indenture or indentures supplemental hereto for the purpose of adding any provisions to, or changing in any manner or eliminating any of the provisions of, this Indenture or of modifying in any manner the rights of the Noteholders under this Indenture; provided, however, that no such supplemental indenture shall, without the consent of the Noteholder of each Note affected thereby: (a) change the date of payment of any installment of principal of or interest on any Note, or reduce the principal amount thereof or the Note Rate thereon, change the provisions of this Indenture relating to the application of collections on, or the proceeds of the sale of, the Trust Estate to payment of principal of or interest on the Notes, or change any place of payment where, or the coin or currency in which, any Note or the interest thereon is payable, or impair the right to institute suit for the enforcement of the provisions of this 48 Indenture requiring the application of funds available therefor, as provided in Article V, to the payment of any such amount due on the Notes on or after the respective due dates thereof; (b) reduce the percentage of the Note Balances of any Class of the Notes, the consent of the Noteholders of which is required for any such supplemental indenture, or the consent of the Noteholders of which is required for any waiver of compliance with certain provisions of this Indenture or certain defaults hereunder and their consequences provided for in this Indenture; (c) modify or alter the provisions of the proviso to the definition of the term "Outstanding" or modify or alter the exception in the definition of the term "Noteholder"; (d) reduce the percentage of the aggregate Note Balance of the Notes required to direct the Indenture Trustee to direct the Issuer to sell or liquidate the Trust Estate pursuant to Section 5.04; (e) modify any provision of this Section 9.02 except to increase any percentage specified herein or to provide that certain additional provisions of this Indenture or the other Basic Documents cannot be modified or waived without the consent of the Noteholder of each Note affected thereby; (f) modify any of the provisions of this Indenture in such manner as to affect the calculation of the amount of any payment of interest or principal due on any Note on any Payment Date (including the calculation of any of the individual components of such calculation); or (g) permit the creation of any lien ranking prior to or on a parity with the lien of this Indenture with respect to any part of the Trust Estate or, except as otherwise permitted or contemplated herein, terminate the lien of this Indenture on any property at any time subject hereto or deprive the Noteholder of any Note of the security provided by the lien of this Indenture; and provided further, that such action shall not, as evidenced by an Opinion of Counsel, cause the Issuer to be subject to an entity level tax. The Indenture Trustee may in its discretion determine whether or not any Notes would be affected by any supplemental indenture and any such determination shall be conclusive upon the Noteholders of all Notes, whether theretofore or thereafter authenticated and delivered hereunder. The Indenture Trustee shall not be liable for any such determination made in good faith. It shall not be necessary for any Act (as defined in Section 10.03 hereof) of Noteholders under this Section 9.02 to approve the particular form of any proposed supplemental indenture, but it shall be sufficient if such Act shall approve the substance thereof. Promptly after the execution by the Issuer and the Indenture Trustee of any supplemental indenture pursuant to this Section 9.02, the Indenture Trustee 49 shall mail to the Noteholders of the Notes to which such amendment or supplemental indenture relates a notice setting forth in general terms the substance of such supplemental indenture. Any failure of the Indenture Trustee to mail such notice, or any defect therein, shall not, however, in any way impair or affect the validity of any such supplemental indenture. Section 9.03 EXECUTION OF SUPPLEMENTAL INDENTURES. In executing, or permitting the additional trusts created by, any supplemental indenture permitted by this Article IX or the modification thereby of the trusts created by this Indenture, the Indenture Trustee shall be entitled to receive and, subject to Sections 6.01 and 6.02, shall be fully protected in relying upon, an Opinion of Counsel stating that the execution of such supplemental indenture is authorized or permitted by this Indenture. The Indenture Trustee may, but shall not be obligated to, enter into any such supplemental indenture that affects the Indenture Trustee's own rights, duties, liabilities or immunities under this Indenture or otherwise. Section 9.04 EFFECT OF SUPPLEMENTAL INDENTURE. Upon the execution of any supplemental indenture pursuant to the provisions hereof, this Indenture shall be and shall be deemed to be modified and amended in accordance therewith with respect to the Notes affected thereby, and the respective rights, limitations of rights, obligations, duties, liabilities and immunities under this Indenture of the Indenture Trustee, the Issuer and the Noteholders shall thereafter be determined, exercised and enforced hereunder subject in all respects to such modifications and amendments, and all the terms and conditions of any such supplemental indenture shall be and be deemed to be part of the terms and conditions of this Indenture for any and all purposes. Section 9.05 CONFORMITY WITH TRUST INDENTURE ACT. Every amendment of this Indenture and every supplemental indenture executed pursuant to this Article IX shall conform to the requirements of TIA as in effect at the time of such amendment or supplement so long as this Indenture shall then be qualified under TIA. Section 9.06 REFERENCE IN NOTES TO SUPPLEMENTAL INDENTURES. Notes authenticated and delivered after the execution of any supplemental indenture pursuant to this Article IX may, and if required by the Indenture Trustee, shall, bear a notation in form approved by the Indenture Trustee as to any matter provided for in such supplemental indenture. If the Issuer or the Indenture Trustee shall so determine, new Notes so modified as to conform, in the opinion of the Indenture Trustee and the Issuer, to any such supplemental indenture may be prepared and executed by the Issuer and authenticated and delivered by the Indenture Trustee in exchange for Outstanding Notes. ARTICLE X Miscellaneous Section 10.01 COMPLIANCE CERTIFICATES AND OPINIONS, ETC. 50 (a) Upon any application or request by the Issuer to the Indenture Trustee to take any action under any provision of this Indenture, the Issuer shall furnish to the Indenture Trustee and to the Credit Enhancer (i) an Officer's Certificate stating that all conditions precedent, if any, provided for in this Indenture relating to the proposed action have been complied with and (ii) an Opinion of Counsel stating that in the opinion of such counsel all such conditions precedent, if any, have been complied with, except that, in the case of any such application or request as to which the furnishing of such documents is specifically required by any provision of this Indenture, no additional certificate or opinion need be furnished. Every certificate or opinion with respect to compliance with a condition or covenant provided for in this Indenture shall include: (i) a statement that each signatory of such certificate or opinion has read or has caused to be read such covenant or condition and the definitions herein relating thereto; (ii) a brief statement as to the nature and scope of the examination or investigation upon which the statements or opinions contained in such certificate or opinion are based; (iii) a statement that, in the opinion of each such signatory, such signatory has made such examination or investigation as is necessary to enable such signatory to express an informed opinion as to whether or not such covenant or condition has been complied with; (iv) a statement as to whether, in the opinion of each such signatory, such condition or covenant has been complied with; and (v) if the signer of such certificate or opinion is required to be Independent, the statement required by the definition of the term "Independent". (b) (i) Prior to the deposit of any Collateral or other property or securities with the Indenture Trustee that is to be made the basis for the release of any property or securities subject to the lien of this Indenture, the Issuer shall, in addition to any obligation imposed in Section 10.01(a) or elsewhere in this Indenture, furnish to the Indenture Trustee an Officer's Certificate certifying or stating the opinion of each person signing such certificate as to the fair value (within 90 days of such deposit) to the Issuer of the Collateral or other property or securities to be so deposited. (ii) Whenever the Issuer is required to furnish to the Indenture Trustee an Officer's Certificate certifying or stating the opinion of any signer thereof as to the matters described in clause (i) above, the Issuer shall also deliver to the Indenture Trustee an Independent Certificate as to the same matters, if the fair value to the Issuer of the securities to be so deposited and of all other such securities made the basis of any such withdrawal or release since the commencement of the then-current fiscal year of the 51 Issuer, as set forth in the certificates delivered pursuant to clause (i) above and this clause (ii), is 10% or more of the aggregate Note Balance of the Notes, but such a certificate need not be furnished with respect to any securities so deposited, if the fair value thereof to the Issuer as set forth in the related Officer's Certificate is less than $25,000 or less than one percent of the aggregate Note Balance of the Notes. (iii) Whenever any property or securities are to be released from the lien of this Indenture, the Issuer shall furnish to the Indenture Trustee an Officer's Certificate certifying or stating the opinion of each person signing such certificate as to the fair value (within 90 days of such release) of the property or securities proposed to be released and stating that in the opinion of such person the proposed release will not impair the security under this Indenture in contravention of the provisions hereof. (iv) Whenever the Issuer is required to furnish to the Indenture Trustee an Officer's Certificate certifying or stating the opinion of any signer thereof as to the matters described in clause (iii) above, the Issuer shall also furnish to the Indenture Trustee an Independent Certificate as to the same matters if the fair value of the property or securities and of all other property, other than property as contemplated by clause (v) below or securities released from the lien of this Indenture since the commencement of the then-current calendar year, as set forth in the certificates required by clause (iii) above and this clause (iv), equals 10% or more of the aggregate Note Balance of the Notes, but such certificate need not be furnished in the case of any release of property or securities if the fair value thereof as set forth in the related Officer's Certificate is less than $25,000 or less than one percent of the aggregate Note Balance of the Notes. (v) Notwithstanding any provision of this Indenture, the Issuer may, without compliance with the requirements of the other provisions of this Section 10.01, (A) collect upon, sell or otherwise dispose of the Home Loans as and to the extent permitted or required by the Basic Documents or (B) make cash payments out of the Note Payment Account as and to the extent permitted or required by the Basic Documents, so long as the Issuer shall deliver to the Indenture Trustee every six months, commencing December 31, 1999, an Officer's Certificate of the Issuer stating that all the dispositions of Collateral described in clauses (A) or (B) above that occurred during the preceding six calendar months (or such longer period, in the case of the first such Officer's Certificate) were in the ordinary course of the Issuer's business and that the proceeds thereof were applied in accordance with the Basic Documents. Section 10.02 FORM OF DOCUMENTS DELIVERED TO INDENTURE TRUSTEE. In any case where several matters are required to be certified by, or covered by an opinion of, any specified Person, it is not necessary that all such matters be certified by, or covered by the opinion of, only one such Person, or that they be so certified or covered by only one document, but one such Person may certify or give an opinion with respect to some matters and one or more other such Persons as to other matters, and any such Person may certify or give an opinion as to such matters in one or several documents. 52 Any certificate or opinion of an Authorized Officer of the Issuer may be based, insofar as it relates to legal matters, upon a certificate or opinion of, or representations by, counsel, unless such officer knows, or in the exercise of reasonable care should know, that the certificate or opinion or representations with respect to the matters upon which his certificate or opinion is based are erroneous. Any such certificate of an Authorized Officer or Opinion of Counsel may be based, insofar as it relates to factual matters, upon a certificate or opinion of, or representations by, an officer or officers of the Seller or the Issuer, stating that the information with respect to such factual matters is in the possession of the Seller or the Issuer, unless such counsel knows, or in the exercise of reasonable care should know, that the certificate or opinion or representations with respect to such matters are erroneous. Where any Person is required to make, give or execute two or more applications, requests, consents, certificates, statements, opinions or other instruments under this Indenture, they may, but need not, be consolidated and form one instrument. Whenever in this Indenture, in connection with any application or certificate or report to the Indenture Trustee, it is provided that the Issuer shall deliver any document as a condition of the granting of such application, or as evidence of the Issuer's compliance with any term hereof, it is intended that the truth and accuracy, at the time of the granting of such application or at the effective date of such certificate or report (as the case may be), of the facts and opinions stated in such document shall in such case be conditions precedent to the right of the Issuer to have such application granted or to the sufficiency of such certificate or report. The foregoing shall not, however, be construed to affect the Indenture Trustee's right to rely upon the truth and accuracy of any statement or opinion contained in any such document as provided in Article VI. Section 10.03 ACTS OF NOTEHOLDERS. (a) Any request, demand, authorization, direction, notice, consent, waiver or other action provided by this Indenture to be given or taken by Noteholders may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by such Noteholders in person or by agents duly appointed in writing; and except as herein otherwise expressly provided such action shall become effective when such instrument or instruments are delivered to the Indenture Trustee, and, where it is hereby expressly required, to the Issuer. Such instrument or instruments (and the action embodied therein and evidenced thereby) are herein sometimes referred to as the "Act" of the Noteholders signing such instrument or instruments. Proof of execution of any such instrument or of a writing appointing any such agent shall be sufficient for any purpose of this Indenture and (subject to Section 6.01) conclusive in favor of the Indenture Trustee and the Issuer, if made in the manner provided in this Section 10.03. (b) The fact and date of the execution by any person of any such instrument or writing may be proved in any manner that the Indenture Trustee deems sufficient. (c) The ownership of Notes shall be proved by the Note Register. 53 (d) Any request, demand, authorization, direction, notice, consent, waiver or other action by the Noteholder of any Note shall bind the Noteholder of every Note issued upon the registration thereof or in exchange therefor or in lieu thereof, in respect of anything done, omitted or suffered to be done by the Indenture Trustee or the Issuer in reliance thereon, whether or not notation of such action is made upon such Note. Section 10.04 NOTICES, ETC., TO INDENTURE TRUSTEE, ISSUER, CREDIT ENHANCER AND RATING AGENCIES. Any request, demand, authorization, direction, notice, consent, waiver or Act of Noteholders or other documents provided or permitted by this Indenture shall be in writing and if such request, demand, authorization, direction, notice, consent, waiver or Act of Noteholders is to be made upon, given or furnished to or filed with: (a) the Indenture Trustee by any Noteholder or by the Issuer shall be sufficient for every purpose hereunder if made, given, furnished or filed in writing to or with the Indenture Trustee at its Corporate Trust Office with a copy to The Bank of New York, 101 Barclay Street, 12-E, New York, New York 10286, Attention: GMACM 2000-HLTV1. The Indenture Trustee shall promptly transmit any notice received by it from the Noteholders to the Issuer, (b) the Issuer by the Indenture Trustee or by any Noteholder shall be sufficient for every purpose hereunder if in writing and mailed first-class, postage prepaid to the Issuer addressed to: GMACM Home Loan Trust 2000-HLTV1, in care of the Owner Trustee, or at any other address previously furnished in writing to the Indenture Trustee by the Issuer. The Issuer shall promptly transmit any notice received by it from the Noteholders to the Indenture Trustee, or (c) the Credit Enhancer by the Issuer, the Indenture Trustee or by any Noteholders shall be sufficient for every purpose hereunder to in writing and mailed, first-class postage pre-paid, or personally delivered or telecopied to: Ambac Assurance Corporation, One State Street Plaza, 19th Floor, New York, New York 10004, Attention: Structured Finance -Mortgage Backed Securities (GMACM Home Loan Trust 2000-HLTV1), telecopier number (212) 363-1459. The Credit Enhancer shall promptly transmit any notice received by it from the Issuer, the Indenture Trustee or the Noteholders to the Issuer or Indenture Trustee, as the case may be. Notices required to be given to the Rating Agencies by the Issuer, the Indenture Trustee or the Owner Trustee shall be in writing, personally delivered or mailed by certified mail, return receipt requested, to (i) in the case of Moody's, at the following address: Moody's Investors Service, Inc., ABS Monitoring Department, 99 Church Street, New York, New York 10007 and (ii) in the case of Standard & Poor's, at the following address: Standard & Poor's, 26 Broadway, 15th Floor, New York, New York 10004, Attention: Asset Backed Surveillance Department; or, as to each of the foregoing Persons, at such other address as shall be designated by written notice to the other foregoing Persons. Section 10.05 NOTICES TO NOTEHOLDERS; WAIVER. Where this Indenture provides for notice to Noteholders of any event, such notice shall be sufficiently given 54 (unless otherwise herein expressly provided) if in writing and mailed, first-class, postage prepaid to each Noteholder affected by such event, at such Person's address as it appears on the Note Register, not later than the latest date, and not earlier than the earliest date, prescribed for the giving of such notice. In any case where notice to Noteholders is given by mail, neither the failure to mail such notice nor any defect in any notice so mailed to any particular Noteholder shall affect the sufficiency of such notice with respect to other Noteholders, and any notice that is mailed in the manner herein provided shall conclusively be presumed to have been duly given regardless of whether such notice is in fact actually received. Where this Indenture provides for notice in any manner, such notice may be waived in writing by any Person entitled to receive such notice, either before or after the event, and such waiver shall be the equivalent of such notice. Waivers of notice by Noteholders shall be filed with the Indenture Trustee, but such filing shall not be a condition precedent to the validity of any action taken in reliance upon such a waiver. In case, by reason of the suspension of regular mail service as a result of a strike, work stoppage or similar activity, it shall be impractical to mail notice of any event to Noteholders when such notice is required to be given pursuant to any provision of this Indenture, then any manner of giving such notice as shall be satisfactory to the Indenture Trustee shall be deemed to be a sufficient giving of such notice. Where this Indenture provides for notice to the Rating Agencies, failure to give such notice shall not affect any other rights or obligations created hereunder, and shall not under any circumstance constitute an Event of Default. Section 10.06 ALTERNATE PAYMENT AND NOTICE PROVISIONS. Notwithstanding any provision of this Indenture or any of the Notes to the contrary, the Issuer may enter into any agreement with any Noteholder providing for a method of payment, or notice by the Indenture Trustee to such Noteholder, that is different from the methods provided for in this Indenture for such payments or notices. The Issuer shall furnish to the Indenture Trustee a copy of each such agreement and the Indenture Trustee shall cause payments to be made and notices to be given in accordance with such agreements. Section 10.07 CONFLICT WITH TRUST INDENTURE ACT. If any provision hereof limits, qualifies or conflicts with another provision hereof that is required to be included in this Indenture by any of the provisions of TIA, such required provision shall control. The provisions of TIA ss.ss. 310 through 317 that impose duties on any Person (including the provisions automatically deemed included herein unless expressly excluded by this Indenture) are a part of and govern this Indenture, whether or not physically contained herein. Section 10.08 EFFECT OF HEADINGS. The Article and Section headings herein are for convenience only and shall not affect the construction hereof. 55 Section 10.09 SUCCESSORS AND ASSIGNS. All covenants and agreements in this Indenture and the Notes by the Issuer shall bind its successors and assigns, whether so expressed or not. All agreements of the Indenture Trustee in this Indenture shall bind its successors, co-trustees and agents. Section 10.10 SEVERABILITY. In case any provision in this Indenture or in the Notes shall be held invalid, illegal or unenforceable, the validity, legality, and enforceability of the remaining provisions hereof shall not in any way be affected or impaired thereby. Section 10.11 BENEFITS OF INDENTURE. Nothing in this Indenture or in the Notes, express or implied, shall give to any Person, other than the parties hereto and their successors hereunder, and the Noteholders, the Credit Enhancer, and any other party secured hereunder, and any other Person with an ownership interest in any part of the Trust Estate, any benefit or any legal or equitable right, remedy or claim under this Indenture. The Credit Enhancer shall be a third party beneficiary of this Agreement. Section 10.12 LEGAL HOLIDAYS. In any case where the date on which any payment is due shall not be a Business Day, then (notwithstanding any other provision of the Notes or this Indenture) payment need not be made on such date, but may be made on the next succeeding Business Day with the same force and effect as if made on the date on which nominally due, and no interest shall accrue for the period from and after any such nominal date. Section 10.13 GOVERNING LAW. THIS INDENTURE SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICTS OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 10.14 COUNTERPARTS. This Indenture may be executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. Section 10.15 RECORDING OF INDENTURE. If this Indenture is subject to recording in any appropriate public recording offices, such recording is to be effected by the Issuer and at its expense accompanied by an Opinion of Counsel (which counsel shall be reasonably acceptable to the Indenture Trustee) to the effect that such recording is necessary either for the protection of the Noteholders or any other Person secured hereunder or for the enforcement of any right or remedy granted to the Indenture Trustee under this Indenture. Section 10.16 ISSUER OBLIGATION. No recourse may be taken, directly or indirectly, with respect to the obligations of the Issuer, the Owner Trustee or the Indenture Trustee on the Notes or under this Indenture or any certificate or other writing delivered in connection herewith or therewith, against (i) the 56 Indenture Trustee or the Owner Trustee in its individual capacity, (ii) any owner of a beneficial interest in the Issuer or (iii) any partner, owner, beneficiary, agent, officer, director, employee or agent of the Indenture Trustee or the Owner Trustee in its individual capacity, any holder of a beneficial interest in the Issuer, the Owner Trustee or the Indenture Trustee or of any successor or assign of the Indenture Trustee or the Owner Trustee in its individual capacity, except as any such Person may have expressly agreed (it being understood that the Indenture Trustee and the Owner Trustee have no such obligations in their respective individual capacities), and except that any such partner, owner or beneficiary shall be fully liable, to the extent provided by applicable law, for any unpaid consideration for stock, unpaid capital contribution or failure to pay any installment or call owing to such entity. For all purposes of this Indenture, in the performance of any duties or obligations of the Issuer hereunder, the Owner Trustee shall be subject to, and entitled to the benefits of, the terms and provisions of Articles VI, VII and VIII of the Trust Agreement. Section 10.17 NO PETITION. The Indenture Trustee, by entering into this Indenture, and each Noteholder, by its acceptance of a Note, hereby covenant and agree that they will not at any time institute against the Depositor or the Issuer, or join in any institution against the Depositor or the Issuer of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings, or other proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations relating to the Notes, this Indenture or any of the other Basic Documents. Section 10.18 INSPECTION. The Issuer agrees that, on reasonable prior notice, it shall permit any representative of the Indenture Trustee, during the Issuer's normal business hours, to examine all the books of account, records, reports and other papers of the Issuer, to make copies and extracts therefrom, to cause such books to be audited by Independent certified public accountants, and to discuss the Issuer's affairs, finances and accounts with the Issuer's officers, employees, and Independent certified public accountants, all at such reasonable times and as often as may be reasonably requested. The Indenture Trustee shall and shall cause its representatives to hold in confidence all such information except to the extent disclosure may be required by law (and all reasonable applications for confidential treatment are unavailing) and except to the extent that the Indenture Trustee may reasonably determine that such disclosure is consistent with its obligations hereunder. 57 IN WITNESS WHEREOF, the Issuer and the Indenture Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized, all as of the day and year first above written. GMACM HOME LOAN TRUST 2000-HLTV1, as Issuer By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee By: /S/ JILL K. MORRISON Name: Jill K. Morrison Title: Financial Services Officer THE BANK OF NEW YORK, as Indenture Trustee By: /S/ JOHN POLITO Name: John Polito Title: Vice President THE BANK OF NEW YORK hereby accepts the appointment as Paying Agent pursuant to Section 3.03 hereof and as Note Registrar pursuant to Section 4.02 hereof. By: /S/ JOHN POLITO Name: John Polito Title: Vice President Signatures and Seals 58 STATE OF Delaware ) ) ss.: COUNTY OF _____________ ) On this 27th day of March 2000, before me personally appeared Jill K. Morrison, to me known, who being by me duly sworn, did depose and say, that he/she resides at _____________, that he/she is the Financial Services Officer of Wilmington Trust Company, the Owner Trustee, one of the corporations described in and which executed the above instrument; that he/she knows the seal of said corporation; that the seal affixed to said instrument is such corporate seal; that it was so affixed by order of the Board of Directors of said corporation; and that he/she signed his/her name thereto by like order. /S/ ANN MARIE SAVINA Notary Public Acknowledgements 59 STATE OF New York ) ) ss.: COUNTY OF Bronx ) On this 28th day of March, 2000, before me personally appeared John Polito, to me known, who being by me duly sworn, did depose and say, that he/she resides at 101 Barclay Street; that he/she is the Vice President of The Bank of New York, as Indenture Trustee, one of the corporations described in and which executed the above instrument; that he/she knows the seal of said corporation; that the seal affixed to said instrument is such corporate seal; that it was so affixed by order of the Board of Directors of said corporation; and that he/she signed his/her name thereto by like order. /S/ HENRY BAEZ ______________ Notary Public NOTORIAL SEAL 60 EXHIBIT A FORM OF NOTES UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. THE PRINCIPAL OF THIS NOTE IS PAYABLE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING PRINCIPAL AMOUNT OF THIS NOTE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF. THIS NOTE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF THE SELLER, THE DEPOSITOR, THE SERVICER, THE INDENTURE TRUSTEE, THE OWNER TRUSTEE OR GMAC MORTGAGE GROUP, INC. OR ANY OF THEIR RESPECTIVE AFFILIATES, EXCEPT AS EXPRESSLY PROVIDED IN THE INDENTURE OR THE OTHER BASIC DOCUMENTS. THE HOLDER OF THIS NOTE IS DEEMED TO HAVE REPRESENTED THAT THE ACQUISITION OF THIS NOTE BY THE HOLDER DOES NOT CONSTITUTE OR GIVE RISE TO A PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, FOR WHICH NO STATUTORY, REGULATORY OR ADMINISTRATIVE EXEMPTION IS AVAILABLE. GMACM HOME LOAN TRUST 2000-HLTV1 GMACM Home Loan-Backed Term Note, Class A-1 Registered Initial Note Balance: $64,570,000 No. R-1 Note Rate: Variable CUSIP NO. 36185H AA1 GMACM Home Loan Trust 2000-HLTV1, a business trust duly organized and existing under the laws of the State of Delaware (herein referred to as the "Issuer"), for value received, hereby promises to pay to Cede & Co. or its registered assigns, the principal sum of sixty four million five hundred seventy thousand dollars ($64,570,000), payable on each Payment Date in an amount equal to the pro rata portion allocable hereto (based on the Initial Note Balance 1 specified above and the Initial Note Balance of all Class A-1 Notes) of the aggregate amount, if any, payable from the Note Payment Account in respect of principal of the Class A-1 Notes (the "Notes") pursuant to Section 3.05 of the indenture dated as of March 30, 2000 (the "Indenture"), between the Issuer and The Bank of New York, as indenture trustee (the "Indenture Trustee"); PROVIDED, HOWEVER, that the entire unpaid principal amount of this Note shall be due and payable on the Payment Date in June 2025, to the extent not previously paid on a prior Payment Date. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the Indenture. Interest on the Notes will be paid monthly on each Payment Date at the Note Rate for the related Interest Period. The Note Rate for each Interest Period will be a floating rate equal to the lesser of (i) LIBOR plus 0.20% per annum and (ii) 10.00% per annum. LIBOR for each applicable Interest Period will be determined on the second LIBOR Business Day immediately preceding (i) the Closing Date in the case of the first Interest Period and (ii) the first day of each succeeding Interest Period by the Indenture Trustee as set forth in the Indenture. All determinations of LIBOR by the Indenture Trustee shall, in the absence of manifest error, be conclusive for all purposes, and each holder of this Note, by accepting this Note, agrees to be bound by such determination. Interest on this Note will accrue for each Payment Date from the most recent Payment Date on which interest has been paid (in the case of the first Payment Date, from the Closing Date) to but excluding such Payment Date. Interest will be computed on the basis of the actual number of days in each Interest Period and a year assumed to consist of 360 days. Principal of and interest on this Note shall be paid in the manner specified on the reverse hereof. Principal of and interest on this Note are payable in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. All payments made by the Issuer with respect to this Note shall be applied first to interest due and payable on this Note as provided above and then to the unpaid principal of this Note. Reference is made to the further provisions of this Note set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Note. Unless the certificate of authentication hereon has been executed by the Indenture Trustee whose name appears below by manual signature, this Note shall not be entitled to any benefit under the Indenture referred to on the reverse hereof, or be valid or obligatory for any purpose. This Note is one of a duly authorized issue of Notes of the Issuer, designated as its GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1 (the "Series 2000-HLTV1 Notes"), all issued under the Indenture, to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights and obligations thereunder of the Issuer, the Indenture Trustee and the Noteholders of the Series 2000-HLTV1 Notes. The Series 2000-HLTV1 Notes are subject to all terms of the Indenture. The Series 2000-HLTV1 Notes (collectively, the "Notes") are and will be equally and ratably secured by the collateral pledged as security therefor as provided in the Indenture. This Note is entitled to the benefits of an irrevocable and unconditional financial guaranty insurance policy issued by Ambac Assurance Corporation. 2 Principal of and interest on this Note will be payable on each Payment Date, commencing on April 18, 2000, as described in the Indenture. "Payment Date" means the eighteenth day of each month, or, if any such date is not a Business Day, then the next succeeding Business Day. The entire unpaid principal amount of this Note shall be due and payable in full on the Payment Date in June 2025 pursuant to the Indenture, to the extent not previously paid on a prior Payment Date. Notwithstanding the foregoing, if an Event of Default shall have occurred and be continuing, then the Indenture Trustee, the Credit Enhancer or the Noteholders of Notes representing not less than a majority of the aggregate Note Balance of the Notes, with the consent of the Credit Enhancer, may declare the Notes to be immediately due and payable in the manner provided in Section 5.02 of the Indenture. All principal payments on the Notes shall be made pro rata to the Noteholders of Notes entitled thereto. Any installment of interest or principal, if any, payable on any Note that is punctually paid or duly provided for by the Issuer on the applicable Payment Date shall be paid to the related Noteholder on the preceding Record Date, by wire transfer to an account specified in writing by such Noteholder reasonably satisfactory to the Indenture Trustee as of the preceding Record Date or, if no such instructions have been delivered to the Indenture Trustee, by check or money order to such Noteholder mailed to such Noteholder's address as it appears in the Note Register, the amount required to be distributed to such Noteholder on such Payment Date pursuant to such Noteholder's Notes; PROVIDED, HOWEVER, that the Indenture Trustee shall not pay to such Noteholder any amount required to be withheld from a payment to such Noteholder by the Code. Any reduction in the principal amount of this Note (or any one or more predecessor Notes) effected by any payments made on any Payment Date shall be binding upon all future Noteholders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof, whether or not noted hereon. If funds are expected to be available, as provided in the Indenture, for payment in full of the then remaining unpaid principal amount of this Note on a Payment Date, then the Indenture Trustee, in the name of and on behalf of the Issuer, will notify the Person who was the registered Noteholder hereof as of the Record Date preceding such Payment Date by notice mailed or transmitted by facsimile prior to such Payment Date, and the amount then due and payable shall be payable only upon presentation and surrender of this Note at the address specified in such notice of final payment. As provided in the Indenture and subject to certain limitations set forth therein, the transfer of this Note may be registered on the Note Register upon surrender of this Note for registration of transfer at the Corporate Trust Office of the Indenture Trustee, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Indenture Trustee duly executed by, the Noteholder hereof or such Noteholder's attorney duly authorized in writing, with such signature guaranteed by an "eligible guarantor institution" meeting the requirements of the Note Registrar, which requirements include membership or participation in the Securities Transfer Agent's Medallion Program ("STAMP") or such other "signature guarantee program" as may be determined by the Note Registrar in addition to, or in substitution for, STAMP, all in accordance with the Exchange Act, and thereupon one or more new Notes in 3 authorized denominations and in the same aggregate principal amount will be issued to the designated transferee or transferees. No service charge will be charged for any registration of transfer or exchange of this Note, but the Note Registrar shall require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any registration of transfer or exchange of this Note. Each Noteholder or Beneficial Owner of a Note, by its acceptance of a Note, or, in the case of a Beneficial Owner of a Note, a beneficial interest in a Note, covenants and agrees that no recourse may be taken, directly or indirectly, with respect to the obligations of the Issuer, the Owner Trustee, the Seller, the Servicer, the Depositor or the Indenture Trustee on the Notes or under the Indenture or any certificate or other writing delivered in connection therewith, against (i) the Indenture Trustee or the Owner Trustee in its individual capacity, (ii) any owner of a beneficial interest in the Issuer or (iii) any partner, owner, beneficiary, agent, officer, director or employee of the Indenture Trustee or the Owner Trustee in its individual capacity, any holder of a beneficial interest in the Issuer, the Owner Trustee or the Indenture Trustee or of any successor or assign of the Indenture Trustee or the Owner Trustee in its individual capacity, except as any such Person may have expressly agreed and except that any such partner, owner or beneficiary shall be fully liable, to the extent provided by applicable law for any unpaid consideration for stock, unpaid capital contribution or failure to pay any installment or call owing to such entity. Each Noteholder or Beneficial Owner of a Note, by its acceptance of a Note or, in the case of a Beneficial Owner of a Note, a beneficial interest in a Note, covenants and agrees by accepting the benefits of the Indenture that such Noteholder or Beneficial Owner will not at any time institute against the Depositor, the Seller, the Servicer, GMAC Mortgage Group, Inc. or the Issuer, or join in any institution against the Depositor, the Seller, the Servicer, GMAC Mortgage Group, Inc. or the Issuer of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations relating to the Notes, the Indenture or the other Basic Documents. The Issuer has entered into the Indenture and this Note is issued with the intention that, for federal, state and local income, single business and franchise tax purposes, the Notes will qualify as indebtedness of the Issuer. Each Noteholder of a Note, by its acceptance of a Note (and each Beneficial Owner of a Note by its acceptance of a beneficial interest in a Note), agrees to treat the Notes for federal, state and local income, single business and franchise tax purposes as indebtedness of the Issuer. Prior to the due presentment for registration of transfer of this Note, the Issuer, the Indenture Trustee and any agent of the Issuer or the Indenture Trustee may treat the Person in the name of which this Note is registered (as of the day of determination or as of such other date as may be specified in the Indenture) as the owner hereof for all purposes, whether or not this Note be overdue, and none of the Issuer, the Indenture Trustee or any such agent shall be affected by notice to the contrary. The Indenture permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the 4 Issuer and the Indenture Trustee and the rights of the Noteholders of the Series 2000-HLTV1 Notes under the Indenture at any time by the Issuer and the Indenture Trustee with the consent of the Credit Enhancer and the Noteholders of Notes representing a majority of the aggregate Note Balance of the Notes then Outstanding and with prior notice to the Rating Agencies. The Indenture also contains provisions permitting the Noteholders of Notes representing specified percentages of the Note Balances of the Series 2000-HLTV1 Notes, on behalf of the Noteholders of all Series 2000-HLTV1 Notes, to waive compliance by the Issuer with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Noteholder of this Note (or any one of more predecessor Notes) shall be conclusive and binding upon such Noteholder and upon all future Noteholders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof whether or not notation of such consent or waiver is made upon this Note. The Indenture also permits the Issuer and the Indenture Trustee to amend or waive certain terms and conditions set forth in the Indenture without the consent of Noteholders of the Series 2000-HLTV1 Notes issued thereunder but with prior notice to the Rating Agencies and the Credit Enhancer. The term "Issuer" as used in this Note includes any successor or the Issuer under the Indenture. The Issuer is permitted by the Indenture, under certain circumstances, to merge or consolidate, subject to the rights of the Indenture Trustee and the Noteholders under the Indenture. The Notes are issuable only in registered form in denominations as provided in the Indenture, subject to certain limitations therein set forth. This Note and the Indenture shall be construed in accordance with the laws of the State of New York, without reference to its conflicts of law provisions, and the obligations, rights and remedies of the parties hereunder and thereunder shall be determined in accordance with such laws. No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation of the Issuer, which is absolute and unconditional, to pay the principal of and interest on this Note at the times, place and rate, and in the coin or currency herein prescribed. Anything herein to the contrary notwithstanding, except as expressly provided in the Basic Documents, none of Wilmington Trust Company in its individual capacity, The Bank of New York in its individual capacity, any owner of a beneficial interest in the Issuer, or any of their respective partners, beneficiaries, agents, officers, directors, employees or successors or assigns shall be personally liable for, nor shall recourse be had to any of them for, the payment of principal of or interest on this Note or the performance of, or the failure to perform, any of the covenants, obligations or indemnifications contained in the Indenture. The Noteholder of this Note, by its acceptance hereof, agrees that, except as expressly provided in the Basic Documents, in the case of an Event of Default under the Indenture, such Noteholder shall have no claim against any of the foregoing for any deficiency, loss or claim therefrom; 5 PROVIDED, HOWEVER, that nothing contained herein shall be taken to prevent recourse to, and enforcement against, the assets of the Issuer for any and all liabilities, obligations and undertakings contained in the Indenture or in this Note. 6 IN WITNESS WHEREOF, the Owner Trustee, on behalf of the Issuer and not in its individual capacity, has caused this Note to be duly executed. GMACM HOME LOAN TRUST 2000-HLTV1 By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee Dated: March 30, 2000 By:____________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Notes referred to in the within-mentioned Indenture. THE BANK OF NEW YORK, not in its individual capacity but solely as Indenture Trustee By:___________________________ Name: Title: Dated: March 30, 2000 7 ASSIGNMENT Social Security or taxpayer I.D. or other identifying number of assignee: __________________ FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfer unto (name and address of assignee) the within Note and all rights thereunder, and hereby irrevocably constitutes and appoints ___________________________, attorney, to transfer said Note on the books kept for registration thereof, with full power of substitution in the premises. Dated: */ Signature Guaranteed: */ * NOTICE: The signature to this assignment must correspond with the name of the registered owner as it appears on the face of the within Note in every particular , without alteration, enlargement or any change whatever. Such signature must be guaranteed by an "eligible guarantor institution" meeting the requirements of the Note Registrar, which requirements include membership or participation in STAMP or such other "signature guarantee program: as may be determined by the Note Registrar in addition to, or in substitution for, STAMP, all in accordance with the Securities Exchange Act of 1934, as amended. 8 UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. THE PRINCIPAL OF THIS NOTE IS PAYABLE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING PRINCIPAL AMOUNT OF THIS NOTE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF. THIS NOTE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF THE SELLER, THE DEPOSITOR, THE SERVICER, THE INDENTURE TRUSTEE, THE OWNER TRUSTEE OR GMAC MORTGAGE GROUP, INC. OR ANY OF THEIR RESPECTIVE AFFILIATES, EXCEPT AS EXPRESSLY PROVIDED IN THE INDENTURE OR THE OTHER BASIC DOCUMENTS. THE HOLDER OF THIS NOTE IS DEEMED TO HAVE REPRESENTED THAT THE ACQUISITION OF THIS NOTE BY THE HOLDER DOES NOT CONSTITUTE OR GIVE RISE TO A PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, FOR WHICH NO STATUTORY, REGULATORY OR ADMINISTRATIVE EXEMPTION IS AVAILABLE. GMACM HOME LOAN TRUST 2000-HLTV1 GMACM Home Loan-Backed Term Note, Class A-2 Registered Initial Note Balance: $18,887,000 No. R-1 Note Rate: 7.84% CUSIP NO. 36185H AB9 GMACM Home Loan Trust 2000-HLTV1, a business trust duly organized and existing under the laws of the State of Delaware (herein referred to as the "Issuer"), for value received, hereby promises to pay to Cede & Co. or its registered assigns, the principal sum of eighteen million eight hundred eighty-seven thousand dollars ($18,887,000), payable on each Payment Date in an amount equal to the pro rata portion allocable hereto (based on the Initial Note Balance specified above and the Initial Note Balance of all Class A-2 Notes) of the aggregate amount, if any, payable from the Note Payment Account in respect of principal of the Class A-2 Notes (the "Notes") pursuant to Section 3.05 of the indenture dated as of March 30, 2000 (the "Indenture"), between the Issuer and The Bank of New York, as indenture trustee (the "Indenture Trustee"); 1 PROVIDED, HOWEVER, that the entire unpaid principal amount of this Note shall be due and payable on the Payment Date in June 2025, to the extent not previously paid on a prior Payment Date. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the Indenture. Interest on the Notes will be paid monthly on each Payment Date at the Note Rate for the related Interest Period. The Note Rate for this Note will be a fixed rate equal to 7.84% per annum. Interest on this Note will accrue for each Payment Date from the most recent Payment Date on which interest has been paid (in the case of the first Payment Date, from the Closing Date) to but excluding such Payment Date. Interest will be computed on the basis of the actual number of days in each Interest Period and a year assumed to consist of 360 days. Principal of and interest on this Note shall be paid in the manner specified on the reverse hereof. Principal of and interest on this Note are payable in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. All payments made by the Issuer with respect to this Note shall be applied first to interest due and payable on this Note as provided above and then to the unpaid principal of this Note. Reference is made to the further provisions of this Note set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Note. Unless the certificate of authentication hereon has been executed by the Indenture Trustee whose name appears below by manual signature, this Note shall not be entitled to any benefit under the Indenture referred to on the reverse hereof, or be valid or obligatory for any purpose. This Note is one of a duly authorized issue of Notes of the Issuer, designated as its GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1 (the "Series 2000-HLTV1 Notes"), all issued under the Indenture, to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights and obligations thereunder of the Issuer, the Indenture Trustee and the Noteholders of the Series 2000-HLTV1 Notes. The Series 2000-HLTV1 Notes are subject to all terms of the Indenture. The Series 2000-HLTV1 Notes are and will be equally and ratably secured by the collateral pledged as security therefor as provided in the Indenture. This Note is entitled to the benefits of an irrevocable and unconditional financial guaranty insurance policy issued by Ambac Assurance Corporation. Principal of and interest on this Note will be payable on each Payment Date, commencing on April 18, 2000, as described in the Indenture. "Payment Date" means the eighteenth day of each month, or, if any such date is not a Business Day, then the next succeeding Business Day. The entire unpaid principal amount of this Note shall be due and payable in full on the Payment Date in June 2025 pursuant to the Indenture, to the extent not previously paid on a prior Payment Date. Notwithstanding the foregoing, if an Event of Default shall have occurred and be continuing, then the Indenture Trustee, the Credit Enhancer or the Noteholders of Notes representing not less than a majority of the aggregate Note Balance of the Notes, with the 2 consent of the Credit Enhancer, may declare the Notes to be immediately due and payable in the manner provided in Section 5.02 of the Indenture. All principal payments on the Notes shall be made pro rata to the Noteholders of Notes entitled thereto. Any installment of interest or principal, if any, payable on any Note that is punctually paid or duly provided for by the Issuer on the applicable Payment Date shall be paid to the related Noteholder on the preceding Record Date, by wire transfer to an account specified in writing by such Noteholder reasonably satisfactory to the Indenture Trustee as of the preceding Record Date or, if no such instructions have been delivered to the Indenture Trustee, by check or money order to such Noteholder mailed to such Noteholder's address as it appears in the Note Register, the amount required to be distributed to such Noteholder on such Payment Date pursuant to such Noteholder's Notes; PROVIDED, HOWEVER, that the Indenture Trustee shall not pay to such Noteholder any amount required to be withheld from a payment to such Noteholder by the Code. Any reduction in the principal amount of this Note (or any one or more predecessor Notes) effected by any payments made on any Payment Date shall be binding upon all future Noteholders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof, whether or not noted hereon. If funds are expected to be available, as provided in the Indenture, for payment in full of the then remaining unpaid principal amount of this Note on a Payment Date, then the Indenture Trustee, in the name of and on behalf of the Issuer, will notify the Person who was the registered Noteholder hereof as of the Record Date preceding such Payment Date by notice mailed or transmitted by facsimile prior to such Payment Date, and the amount then due and payable shall be payable only upon presentation and surrender of this Note at the address specified in such notice of final payment. As provided in the Indenture and subject to certain limitations set forth therein, the transfer of this Note may be registered on the Note Register upon surrender of this Note for registration of transfer at the Corporate Trust Office of the Indenture Trustee, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Indenture Trustee duly executed by, the Noteholder hereof or such Noteholder's attorney duly authorized in writing, with such signature guaranteed by an "eligible guarantor institution" meeting the requirements of the Note Registrar, which requirements include membership or participation in the Securities Transfer Agent's Medallion Program ("STAMP") or such other "signature guarantee program" as may be determined by the Note Registrar in addition to, or in substitution for, STAMP, all in accordance with the Exchange Act, and thereupon one or more new Notes in authorized denominations and in the same aggregate principal amount will be issued to the designated transferee or transferees. No service charge will be charged for any registration of transfer or exchange of this Note, but the Note Registrar shall require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any registration of transfer or exchange of this Note. Each Noteholder or Beneficial Owner of a Note, by its acceptance of a Note, or, in the case of a Beneficial Owner of a Note, a beneficial interest in a Note, covenants and agrees that no recourse may be taken, directly or indirectly, with respect to the obligations of the Issuer, the Owner Trustee, the Seller, the Servicer, the Depositor or the Indenture Trustee on the Notes or under the Indenture or any certificate or other writing delivered in connection therewith, against (i) the Indenture Trustee or the Owner Trustee in its individual capacity, (ii) any owner of a beneficial interest in the Issuer or (iii) any partner, owner, beneficiary, agent, officer, director or employee of 3 the Indenture Trustee or the Owner Trustee in its individual capacity, any holder of a beneficial interest in the Issuer, the Owner Trustee or the Indenture Trustee or of any successor or assign of the Indenture Trustee or the Owner Trustee in its individual capacity, except as any such Person may have expressly agreed and except that any such partner, owner or beneficiary shall be fully liable, to the extent provided by applicable law for any unpaid consideration for stock, unpaid capital contribution or failure to pay any installment or call owing to such entity. Each Noteholder or Beneficial Owner of a Note, by its acceptance of a Note or, in the case of a Beneficial Owner of a Note, a beneficial interest in a Note, covenants and agrees by accepting the benefits of the Indenture that such Noteholder or Beneficial Owner will not at any time institute against the Depositor, the Seller, the Servicer, GMAC Mortgage Group, Inc. or the Issuer, or join in any institution against the Depositor, the Seller, the Servicer, GMAC Mortgage Group, Inc. or the Issuer of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations relating to the Notes, the Indenture or the other Basic Documents. The Issuer has entered into the Indenture and this Note is issued with the intention that, for federal, state and local income, single business and franchise tax purposes, the Notes will qualify as indebtedness of the Issuer. Each Noteholder of a Note, by its acceptance of a Note (and each Beneficial Owner of a Note by its acceptance of a beneficial interest in a Note), agrees to treat the Notes for federal, state and local income, single business and franchise tax purposes as indebtedness of the Issuer. Prior to the due presentment for registration of transfer of this Note, the Issuer, the Indenture Trustee and any agent of the Issuer or the Indenture Trustee may treat the Person in the name of which this Note is registered (as of the day of determination or as of such other date as may be specified in the Indenture) as the owner hereof for all purposes, whether or not this Note be overdue, and none of the Issuer, the Indenture Trustee or any such agent shall be affected by notice to the contrary. The Indenture permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Issuer and the Indenture Trustee and the rights of the Noteholders of the Series 2000-HLTV1 Notes under the Indenture at any time by the Issuer and the Indenture Trustee with the consent of the Credit Enhancer and the Noteholders of Notes representing a majority of the aggregate Note Balance of the Notes then Outstanding and with prior notice to the Rating Agencies. The Indenture also contains provisions permitting the Noteholders of Notes representing specified percentages of the Note Balances of the Series 2000-HLTV1 Notes, on behalf of the Noteholders of all Series 2000-HLTV1 Notes, to waive compliance by the Issuer with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Noteholder of this Note (or any one of more predecessor Notes) shall be conclusive and binding upon such Noteholder and upon all future Noteholders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof whether or not notation of such consent or waiver is made upon this Note. The Indenture also permits the Issuer and the 4 Indenture Trustee to amend or waive certain terms and conditions set forth in the Indenture without the consent of Noteholders of the Series 2000-HLTV1 Notes issued thereunder but with prior notice to the Rating Agencies and the Credit Enhancer. The term "Issuer" as used in this Note includes any successor or the Issuer under the Indenture. The Issuer is permitted by the Indenture, under certain circumstances, to merge or consolidate, subject to the rights of the Indenture Trustee and the Noteholders of Notes under the Indenture. The Notes are issuable only in registered form in denominations as provided in the Indenture, subject to certain limitations therein set forth. This Note and the Indenture shall be construed in accordance with the laws of the State of New York, without reference to its conflicts of law provisions, and the obligations, rights and remedies of the parties hereunder and thereunder shall be determined in accordance with such laws. No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation of the Issuer, which is absolute and unconditional, to pay the principal of and interest on this Note at the times, place and rate, and in the coin or currency herein prescribed. Anything herein to the contrary notwithstanding, except as expressly provided in the Basic Documents, none of Wilmington Trust Company in its individual capacity, The Bank of New York in its individual capacity, any owner of a beneficial interest in the Issuer, or any of their respective partners, beneficiaries, agents, officers, directors, employees or successors or assigns shall be personally liable for, nor shall recourse be had to any of them for, the payment of principal of or interest on this Note or the performance of, or the failure to perform, any of the covenants, obligations or indemnifications contained in the Indenture. The Noteholder of this Note, by its acceptance hereof, agrees that, except as expressly provided in the Basic Documents, in the case of an Event of Default under the Indenture, such Noteholder shall have no claim against any of the foregoing for any deficiency, loss or claim therefrom; PROVIDED, HOWEVER, that nothing contained herein shall be taken to prevent recourse to, and enforcement against, the assets of the Issuer for any and all liabilities, obligations and undertakings contained in the Indenture or in this Note. 5 IN WITNESS WHEREOF, the Owner Trustee, on behalf of the Issuer and not in its individual capacity, has caused this Note to be duly executed. GMACM HOME LOAN TRUST 2000-HLTV1 By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee Dated: March 30, 2000 By:________________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Notes referred to in the within-mentioned Indenture. THE BANK OF NEW YORK, not in its individual capacity but solely as Indenture Trustee Dated: March 30, 2000 By: Authorized Signatory 6 ASSIGNMENT Social Security or taxpayer I.D. or other identifying number of assignee: - --------------- FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfer unto (name and address of assignee) the within Note and all rights thereunder, and hereby irrevocably constitutes and appoints ___________________________, attorney, to transfer said Note on the books kept for registration thereof, with full power of substitution in the premises. Dated: */ Signature Guaranteed: */ * NOTICE: The signature to this assignment must correspond with the name of the registered owner as it appears on the face of the within Note in every particular , without alteration, enlargement or any change whatever. Such signature must be guaranteed by an "eligible guarantor institution" meeting the requirements of the Note Registrar, which requirements include membership or participation in STAMP or such other "signature guarantee program: as may be determined by the Note Registrar in addition to, or in substitution for, STAMP, all in accordance with the Securities Exchange Act of 1934, as amended. UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. THE PRINCIPAL OF THIS NOTE IS PAYABLE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING PRINCIPAL AMOUNT OF THIS NOTE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF. THIS NOTE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF THE SELLER, THE DEPOSITOR, THE SERVICER, THE INDENTURE TRUSTEE, THE OWNER TRUSTEE OR GMAC MORTGAGE GROUP, INC. OR ANY OF THEIR RESPECTIVE AFFILIATES, EXCEPT AS EXPRESSLY PROVIDED IN THE INDENTURE OR THE OTHER BASIC DOCUMENTS. THE HOLDER OF THIS NOTE IS DEEMED TO HAVE REPRESENTED THAT THE ACQUISITION OF THIS NOTE BY THE HOLDER DOES NOT CONSTITUTE OR GIVE RISE TO A PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, FOR WHICH NO STATUTORY, REGULATORY OR ADMINISTRATIVE EXEMPTION IS AVAILABLE. GMACM HOME LOAN TRUST 2000-HLTV1 GMACM Home Loan-Backed Term Note, Class A-3 Registered Initial Note Balance: $29,790,000 No. R-1 Note Rate: 8.17% CUSIP NO. 36185H AC7 GMACM Home Loan Trust 2000-HLTV1, a business trust duly organized and existing under the laws of the State of Delaware (herein referred to as the "Issuer"), for value received, hereby promises to pay to Cede & Co. or its registered assigns, the principal sum of twenty-nine million seven hundred ninety thousand dollars ($29,790,000), payable on each Payment Date in an amount equal to the pro rata portion allocable hereto (based on the Initial Note Balance specified above and the Initial Note Balance of all Class A-3 Notes) of the aggregate amount, if any, payable from the Note Payment Account in respect of principal of the Class A-3 Notes (the "Notes") pursuant to Section 3.05 of the indenture dated as of March 30, 2000 (the "Indenture"), between the Issuer and The Bank of New York, as indenture trustee (the "Indenture Trustee"); 1 PROVIDED, HOWEVER, that the entire unpaid principal amount of this Note shall be due and payable on the Payment Date in June 2025, to the extent not previously paid on a prior Payment Date. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the Indenture. Interest on the Notes will be paid monthly on each Payment Date at the Note Rate for the related Interest Period. The Note Rate for this Note will be a fixed rate equal to 8.17% per annum. Interest on this Note will accrue for each Payment Date from the most recent Payment Date on which interest has been paid (in the case of the first Payment Date, from the Closing Date) to but excluding such Payment Date. Interest will be computed on the basis of the actual number of days in each Interest Period and a year assumed to consist of 360 days. Principal of and interest on this Note shall be paid in the manner specified on the reverse hereof. Principal of and interest on this Note are payable in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. All payments made by the Issuer with respect to this Note shall be applied first to interest due and payable on this Note as provided above and then to the unpaid principal of this Note. Reference is made to the further provisions of this Note set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Note. Unless the certificate of authentication hereon has been executed by the Indenture Trustee whose name appears below by manual signature, this Note shall not be entitled to any benefit under the Indenture referred to on the reverse hereof, or be valid or obligatory for any purpose. This Note is one of a duly authorized issue of Notes of the Issuer, designated as its GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1 (the "Series 2000-HLTV1 Notes"), all issued under the Indenture, to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights and obligations thereunder of the Issuer, the Indenture Trustee and the Noteholders of the Series 2000-HLTV1 Notes. The Series 2000-HLTV1 Notes are subject to all terms of the Indenture. The Series 2000-HLTV1 Notes are and will be equally and ratably secured by the collateral pledged as security therefor as provided in the Indenture. This Note is entitled to the benefits of an irrevocable and unconditional financial guaranty insurance policy issued by Ambac Assurance Corporation. Principal of and interest on this Note will be payable on each Payment Date, commencing on April 18, 2000, as described in the Indenture. "Payment Date" means the eighteenth day of each month, or, if any such date is not a Business Day, then the next succeeding Business Day. The entire unpaid principal amount of this Note shall be due and payable in full on the Payment Date in June 2025 pursuant to the Indenture, to the extent not previously paid on a prior Payment Date. Notwithstanding the foregoing, if an Event of Default shall have occurred and be continuing, then the Indenture Trustee, the Credit Enhancer or the Noteholders of Notes representing not less than a majority of the aggregate Note Balance of the 2 Notes, with the consent of the Credit Enhancer, may declare the Notes to be immediately due and payable in the manner provided in Section 5.02 of the Indenture. All principal payments on the Notes shall be made pro rata to the Noteholders of Notes entitled thereto. Any installment of interest or principal, if any, payable on any Note that is punctually paid or duly provided for by the Issuer on the applicable Payment Date shall be paid to the related Noteholder on the preceding Record Date, by wire transfer to an account specified in writing by such Noteholder reasonably satisfactory to the Indenture Trustee as of the preceding Record Date or, if no such instructions have been delivered to the Indenture Trustee, by check or money order to such Noteholder mailed to such Noteholder's address as it appears in the Note Register, the amount required to be distributed to such Noteholder on such Payment Date pursuant to such Noteholder's Notes; PROVIDED, HOWEVER, that the Indenture Trustee shall not pay to such Noteholder any amount required to be withheld from a payment to such Noteholder by the Code. Any reduction in the principal amount of this Note (or any one or more predecessor Notes) effected by any payments made on any Payment Date shall be binding upon all future Noteholders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof, whether or not noted hereon. If funds are expected to be available, as provided in the Indenture, for payment in full of the then remaining unpaid principal amount of this Note on a Payment Date, then the Indenture Trustee, in the name of and on behalf of the Issuer, will notify the Person who was the registered Noteholder hereof as of the Record Date preceding such Payment Date by notice mailed or transmitted by facsimile prior to such Payment Date, and the amount then due and payable shall be payable only upon presentation and surrender of this Note at the address specified in such notice of final payment. As provided in the Indenture and subject to certain limitations set forth therein, the transfer of this Note may be registered on the Note Register upon surrender of this Note for registration of transfer at the Corporate Trust Office of the Indenture Trustee, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Indenture Trustee duly executed by, the Noteholder hereof or such Noteholder's attorney duly authorized in writing, with such signature guaranteed by an "eligible guarantor institution" meeting the requirements of the Note Registrar, which requirements include membership or participation in the Securities Transfer Agent's Medallion Program ("STAMP") or such other "signature guarantee program" as may be determined by the Note Registrar in addition to, or in substitution for, STAMP, all in accordance with the Exchange Act, and thereupon one or more new Notes in authorized denominations and in the same aggregate principal amount will be issued to the designated transferee or transferees. No service charge will be charged for any registration of transfer or exchange of this Note, but the Note Registrar shall require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any registration of transfer or exchange of this Note. Each Noteholder or Beneficial Owner of a Note, by its acceptance of a Note, or, in the case of a Beneficial Owner of a Note, a beneficial interest in a Note, covenants and agrees that no recourse may be taken, directly or indirectly, with respect to the obligations of the Issuer, the Owner Trustee, the Seller, the Servicer, the Depositor or the Indenture Trustee on the Notes or under the Indenture or any certificate or other writing delivered in connection therewith, against (i) the Indenture Trustee or the Owner Trustee in its 3 individual capacity, (ii) any owner of a beneficial interest in the Issuer or (iii) any partner, owner, beneficiary, agent, officer, director or employee of the Indenture Trustee or the Owner Trustee in its individual capacity, any holder of a beneficial interest in the Issuer, the Owner Trustee or the Indenture Trustee or of any successor or assign of the Indenture Trustee or the Owner Trustee in its individual capacity, except as any such Person may have expressly agreed and except that any such partner, owner or beneficiary shall be fully liable, to the extent provided by applicable law for any unpaid consideration for stock, unpaid capital contribution or failure to pay any installment or call owing to such entity. Each Noteholder or Beneficial Owner of a Note, by its acceptance of a Note or, in the case of a Beneficial Owner of a Note, a beneficial interest in a Note, covenants and agrees by accepting the benefits of the Indenture that such Noteholder or Beneficial Owner will not at any time institute against the Depositor, the Seller, the Servicer, GMAC Mortgage Group, Inc. or the Issuer, or join in any institution against the Depositor, the Seller, the Servicer, GMAC Mortgage Group, Inc. or the Issuer of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations relating to the Notes, the Indenture or the other Basic Documents. The Issuer has entered into the Indenture and this Note is issued with the intention that, for federal, state and local income, single business and franchise tax purposes, the Notes will qualify as indebtedness of the Issuer. Each Noteholder of a Note, by its acceptance of a Note (and each Beneficial Owner of a Note by its acceptance of a beneficial interest in a Note), agrees to treat the Notes for federal, state and local income, single business and franchise tax purposes as indebtedness of the Issuer. Prior to the due presentment for registration of transfer of this Note, the Issuer, the Indenture Trustee and any agent of the Issuer or the Indenture Trustee may treat the Person in the name of which this Note is registered (as of the day of determination or as of such other date as may be specified in the Indenture) as the owner hereof for all purposes, whether or not this Note be overdue, and none of the Issuer, the Indenture Trustee or any such agent shall be affected by notice to the contrary. The Indenture permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Issuer and the Indenture Trustee and the rights of the Noteholders of the Series 2000-HLTV1 Notes under the Indenture at any time by the Issuer and the Indenture Trustee with the consent of the Credit Enhancer and the Noteholders of Notes representing a majority of the aggregate Note Balance of the Notes then Outstanding and with prior notice to the Rating Agencies. The Indenture also contains provisions permitting the Noteholders of Notes representing specified percentages of the Note Balances of the Series 2000-HLTV1 Notes, on behalf of the Noteholders of all Series 2000-HLTV1 Notes, to waive compliance by the Issuer with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Noteholder of this Note (or any one of more predecessor Notes) shall be conclusive and binding upon such Noteholder and upon all future Noteholders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof whether or not notation of such consent or waiver is made upon this Note. The Indenture also permits the Issuer and the 4 Indenture Trustee to amend or waive certain terms and conditions set forth in the Indenture without the consent of Noteholders of the Series 2000-HLTV1 Notes issued thereunder but with prior notice to the Rating Agencies and the Credit Enhancer. The term "Issuer" as used in this Note includes any successor or the Issuer under the Indenture. The Issuer is permitted by the Indenture, under certain circumstances, to merge or consolidate, subject to the rights of the Indenture Trustee and the Noteholders of Notes under the Indenture. The Notes are issuable only in registered form in denominations as provided in the Indenture, subject to certain limitations therein set forth. This Note and the Indenture shall be construed in accordance with the laws of the State of New York, without reference to its conflicts of law provisions, and the obligations, rights and remedies of the parties hereunder and thereunder shall be determined in accordance with such laws. No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation of the Issuer, which is absolute and unconditional, to pay the principal of and interest on this Note at the times, place and rate, and in the coin or currency herein prescribed. Anything herein to the contrary notwithstanding, except as expressly provided in the Basic Documents, none of Wilmington Trust Company in its individual capacity, The Bank of New York in its individual capacity, any owner of a beneficial interest in the Issuer, or any of their respective partners, beneficiaries, agents, officers, directors, employees or successors or assigns shall be personally liable for, nor shall recourse be had to any of them for, the payment of principal of or interest on this Note or the performance of, or the failure to perform, any of the covenants, obligations or indemnifications contained in the Indenture. The Noteholder of this Note, by its acceptance hereof, agrees that, except as expressly provided in the Basic Documents, in the case of an Event of Default under the Indenture, such Noteholder shall have no claim against any of the foregoing for any deficiency, loss or claim therefrom; PROVIDED, HOWEVER, that nothing contained herein shall be taken to prevent recourse to, and enforcement against, the assets of the Issuer for any and all liabilities, obligations and undertakings contained in the Indenture or in this Note. 5 IN WITNESS WHEREOF, the Owner Trustee, on behalf of the Issuer and not in its individual capacity, has caused this Note to be duly executed. GMACM HOME LOAN TRUST 2000-HLTV1 By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee Dated: March 30, 2000 By:__________________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Notes referred to in the within-mentioned Indenture. THE BANK OF NEW YORK, not in its individual capacity but solely as Indenture Trustee Dated: March 30, 2000 By:___________________________________ Authorized Signatory 6 ASSIGNMENT Social Security or taxpayer I.D. or other identifying number of assignee: - --------------- FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfer unto (name and address of assignee) the within Note and all rights thereunder, and hereby irrevocably constitutes and appoints ___________________________, attorney, to transfer said Note on the books kept for registration thereof, with full power of substitution in the premises. Dated: */ Signature Guaranteed: */ * NOTICE: The signature to this assignment must correspond with the name of the registered owner as it appears on the face of the within Note in every particular , without alteration, enlargement or any change whatever. Such signature must be guaranteed by an "eligible guarantor institution" meeting the requirements of the Note Registrar, which requirements include membership or participation in STAMP or such other "signature guarantee program: as may be determined by the Note Registrar in addition to, or in substitution for, STAMP, all in accordance with the Securities Exchange Act of 1934, as amended. 7 UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. THE PRINCIPAL OF THIS NOTE IS PAYABLE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING PRINCIPAL AMOUNT OF THIS NOTE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF. THIS NOTE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF THE SELLER, THE DEPOSITOR, THE SERVICER, THE INDENTURE TRUSTEE, THE OWNER TRUSTEE OR GMAC MORTGAGE GROUP, INC. OR ANY OF THEIR RESPECTIVE AFFILIATES, EXCEPT AS EXPRESSLY PROVIDED IN THE INDENTURE OR THE OTHER BASIC DOCUMENTS. THE HOLDER OF THIS NOTE IS DEEMED TO HAVE REPRESENTED THAT THE ACQUISITION OF THIS NOTE BY THE HOLDER DOES NOT CONSTITUTE OR GIVE RISE TO A PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, FOR WHICH NO STATUTORY, REGULATORY OR ADMINISTRATIVE EXEMPTION IS AVAILABLE. GMACM HOME LOAN TRUST 2000-HLTV1 GMACM Home Loan-Backed Term Note, Class A-4 Registered Initial Note Balance: $41,753,000 No. R-1 Note Rate: 8.27% CUSIP NO. 36185H AD5 GMACM Home Loan Trust 2000-HLTV1, a business trust duly organized and existing under the laws of the State of Delaware (herein referred to as the "Issuer"), for value received, hereby promises to pay to Cede & Co. or its registered assigns, the principal sum of forty-one million seven hundred fifty three thousand dollars ($41,753,000), payable on each Payment Date in an amount equal to the pro rata portion allocable hereto (based on the Initial Note Balance specified above and the Initial Note Balance of all Class A-4 Notes) of the aggregate amount, if any, payable from the Note Payment Account in respect of principal of the Class A-4 Notes (the "Notes") pursuant to Section 3.05 of the indenture dated as of March 30, 2000 (the "Indenture"), between the Issuer and The Bank of New York, as indenture trustee (the "Indenture Trustee"); 1 PROVIDED, HOWEVER, that the entire unpaid principal amount of this Note shall be due and payable on the Payment Date in June 2025, to the extent not previously paid on a prior Payment Date. Capitalized terms used herein that are not otherwise defined shall have the meanings ascribed thereto in Appendix A to the Indenture. Interest on the Notes will be paid monthly on each Payment Date at the Note Rate for the related Interest Period. The Note Rate for this Note will be a fixed rate equal to 8.27% per annum. Notwithstanding the foregoing, the Note Rate on the Notes will increase by 0.50% to 8.77% per annum if the aggregate Note Balance of the class of Notes is less than 10% of the initial aggregate balance of such Class. Interest on this Note will accrue for each Payment Date from the most recent Payment Date on which interest has been paid (in the case of the first Payment Date, from the Closing Date) to but excluding such Payment Date. Interest will be computed on the basis of the actual number of days in each Interest Period and a year assumed to consist of 360 days. Principal of and interest on this Note shall be paid in the manner specified on the reverse hereof. Principal of and interest on this Note are payable in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts. All payments made by the Issuer with respect to this Note shall be applied first to interest due and payable on this Note as provided above and then to the unpaid principal of this Note. Reference is made to the further provisions of this Note set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Note. Unless the certificate of authentication hereon has been executed by the Indenture Trustee whose name appears below by manual signature, this Note shall not be entitled to any benefit under the Indenture referred to on the reverse hereof, or be valid or obligatory for any purpose. This Note is one of a duly authorized issue of Notes of the Issuer, designated as its GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1 (the "Series 2000-HLTV1 Notes"), all issued under the Indenture, to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights and obligations thereunder of the Issuer, the Indenture Trustee and the Noteholders of the Series 2000-HLTV1 Notes. The Series 2000-HLTV1 Notes are subject to all terms of the Indenture. The Series 2000-HLTV1 Notes are and will be equally and ratably secured by the collateral pledged as security therefor as provided in the Indenture. This Note is entitled to the benefits of an irrevocable and unconditional financial guaranty insurance policy issued by Ambac Assurance Corporation. Principal of and interest on this Note will be payable on each Payment Date, commencing on April 18, 2000, as described in the Indenture. "Payment Date" means the eighteenth day of each month, or, if any such date is not a Business Day, then the next succeeding Business Day. The entire unpaid principal amount of this Note shall be due and payable in full on the Payment Date in June 2025 pursuant to the Indenture, to the 2 extent not previously paid on a prior Payment Date. Notwithstanding the foregoing, if an Event of Default shall have occurred and be continuing, then the Indenture Trustee, the Credit Enhancer or the Noteholders of Notes representing not less than a majority of the aggregate Note Balance of the Notes, with the consent of the Credit Enhancer, may declare the Notes to be immediately due and payable in the manner provided in Section 5.02 of the Indenture. All principal payments on the Notes shall be made pro rata to the Noteholders of Notes entitled thereto. Any installment of interest or principal, if any, payable on any Note that is punctually paid or duly provided for by the Issuer on the applicable Payment Date shall be paid to the related Noteholder on the preceding Record Date, by wire transfer to an account specified in writing by such Noteholder reasonably satisfactory to the Indenture Trustee as of the preceding Record Date or, if no such instructions have been delivered to the Indenture Trustee, by check or money order to such Noteholder mailed to such Noteholder's address as it appears in the Note Register, the amount required to be distributed to such Noteholder on such Payment Date pursuant to such Noteholder's Notes; PROVIDED, HOWEVER, that the Indenture Trustee shall not pay to such Noteholder any amount required to be withheld from a payment to such Noteholder by the Code. Any reduction in the principal amount of this Note (or any one or more predecessor Notes) effected by any payments made on any Payment Date shall be binding upon all future Noteholders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof, whether or not noted hereon. If funds are expected to be available, as provided in the Indenture, for payment in full of the then remaining unpaid principal amount of this Note on a Payment Date, then the Indenture Trustee, in the name of and on behalf of the Issuer, will notify the Person who was the registered Noteholder hereof as of the Record Date preceding such Payment Date by notice mailed or transmitted by facsimile prior to such Payment Date, and the amount then due and payable shall be payable only upon presentation and surrender of this Note at the address specified in such notice of final payment. As provided in the Indenture and subject to certain limitations set forth therein, the transfer of this Note may be registered on the Note Register upon surrender of this Note for registration of transfer at the Corporate Trust Office of the Indenture Trustee, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Indenture Trustee duly executed by, the Noteholder hereof or such Noteholder's attorney duly authorized in writing, with such signature guaranteed by an "eligible guarantor institution" meeting the requirements of the Note Registrar, which requirements include membership or participation in the Securities Transfer Agent's Medallion Program ("STAMP") or such other "signature guarantee program" as may be determined by the Note Registrar in addition to, or in substitution for, STAMP, all in accordance with the Exchange Act, and thereupon one or more new Notes in authorized denominations and in the same aggregate principal amount will be issued to the designated transferee or transferees. No service charge will be charged for any registration of transfer or exchange of this Note, but the Note Registrar shall require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any registration of transfer or exchange of this Note. Each Noteholder or Beneficial Owner of a Note, by its acceptance of a Note, or, in the case of a Beneficial Owner of a Note, a beneficial interest in a Note, covenants and agrees that no recourse may be taken, directly or indirectly, with respect to the obligations of the Issuer, the Owner Trustee, 3 the Seller, the Servicer, the Depositor or the Indenture Trustee on the Notes or under the Indenture or any certificate or other writing delivered in connection therewith, against (i) the Indenture Trustee or the Owner Trustee in its individual capacity, (ii) any owner of a beneficial interest in the Issuer or (iii) any partner, owner, beneficiary, agent, officer, director or employee of the Indenture Trustee or the Owner Trustee in its individual capacity, any holder of a beneficial interest in the Issuer, the Owner Trustee or the Indenture Trustee or of any successor or assign of the Indenture Trustee or the Owner Trustee in its individual capacity, except as any such Person may have expressly agreed and except that any such partner, owner or beneficiary shall be fully liable, to the extent provided by applicable law for any unpaid consideration for stock, unpaid capital contribution or failure to pay any installment or call owing to such entity. Each Noteholder or Beneficial Owner of a Note, by its acceptance of a Note or, in the case of a Beneficial Owner of a Note, a beneficial interest in a Note, covenants and agrees by accepting the benefits of the Indenture that such Noteholder or Beneficial Owner will not at any time institute against the Depositor, the Seller, the Servicer, GMAC Mortgage Group, Inc. or the Issuer, or join in any institution against the Depositor, the Seller, the Servicer, GMAC Mortgage Group, Inc. or the Issuer of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations relating to the Notes, the Indenture or the other Basic Documents. The Issuer has entered into the Indenture and this Note is issued with the intention that, for federal, state and local income, single business and franchise tax purposes, the Notes will qualify as indebtedness of the Issuer. Each Noteholder of a Note, by its acceptance of a Note (and each Beneficial Owner of a Note by its acceptance of a beneficial interest in a Note), agrees to treat the Notes for federal, state and local income, single business and franchise tax purposes as indebtedness of the Issuer. Prior to the due presentment for registration of transfer of this Note, the Issuer, the Indenture Trustee and any agent of the Issuer or the Indenture Trustee may treat the Person in the name of which this Note is registered (as of the day of determination or as of such other date as may be specified in the Indenture) as the owner hereof for all purposes, whether or not this Note be overdue, and none of the Issuer, the Indenture Trustee or any such agent shall be affected by notice to the contrary. The Indenture permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Issuer and the Indenture Trustee and the rights of the Noteholders of the Series 2000-HLTV1 Notes under the Indenture at any time by the Issuer and the Indenture Trustee with the consent of the Credit Enhancer and the Noteholders of Notes representing a majority of the aggregate Note Balance of the Notes then Outstanding and with prior notice to the Rating Agencies. The Indenture also contains provisions permitting the Noteholders of Notes representing specified percentages of the Note Balances of the Series 2000-HLTV1 Notes, on behalf of the Noteholders of all Series 2000-HLTV1 Notes, to waive compliance by the Issuer with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the 4 Noteholder of this Note (or any one of more predecessor Notes) shall be conclusive and binding upon such Noteholder and upon all future Noteholders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof whether or not notation of such consent or waiver is made upon this Note. The Indenture also permits the Issuer and the Indenture Trustee to amend or waive certain terms and conditions set forth in the Indenture without the consent of Noteholders of the Series 2000-HLTV1 Notes issued thereunder but with prior notice to the Rating Agencies and the Credit Enhancer. The term "Issuer" as used in this Note includes any successor or the Issuer under the Indenture. The Issuer is permitted by the Indenture, under certain circumstances, to merge or consolidate, subject to the rights of the Indenture Trustee and the Noteholders of Notes under the Indenture. The Notes are issuable only in registered form in denominations as provided in the Indenture, subject to certain limitations therein set forth. This Note and the Indenture shall be construed in accordance with the laws of the State of New York, without reference to its conflicts of law provisions, and the obligations, rights and remedies of the parties hereunder and thereunder shall be determined in accordance with such laws. No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation of the Issuer, which is absolute and unconditional, to pay the principal of and interest on this Note at the times, place and rate, and in the coin or currency herein prescribed. Anything herein to the contrary notwithstanding, except as expressly provided in the Basic Documents, none of Wilmington Trust Company in its individual capacity, The Bank of New York in its individual capacity, any owner of a beneficial interest in the Issuer, or any of their respective partners, beneficiaries, agents, officers, directors, employees or successors or assigns shall be personally liable for, nor shall recourse be had to any of them for, the payment of principal of or interest on this Note or the performance of, or the failure to perform, any of the covenants, obligations or indemnifications contained in the Indenture. The Noteholder of this Note, by its acceptance hereof, agrees that, except as expressly provided in the Basic Documents, in the case of an Event of Default under the Indenture, such Noteholder shall have no claim against any of the foregoing for any deficiency, loss or claim therefrom; PROVIDED, HOWEVER, that nothing contained herein shall be taken to prevent recourse to, and enforcement against, the assets of the Issuer for any and all liabilities, obligations and undertakings contained in the Indenture or in this Note. 5 IN WITNESS WHEREOF, the Owner Trustee, on behalf of the Issuer and not in its individual capacity, has caused this Note to be duly executed. GMACM HOME LOAN TRUST 2000-HLTV1 By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee Dated: March 30, 2000 By:______________________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Notes referred to in the within-mentioned Indenture. THE BANK OF NEW YORK, not in its individual capacity but solely as Indenture Trustee Dated: March 30, 2000 By:_____________________________________ Authorized Signatory 6 ASSIGNMENT Social Security or taxpayer I.D. or other identifying number of assignee: - --------------- FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfer unto (name and address of assignee) the within Note and all rights thereunder, and hereby irrevocably constitutes and appoints ___________________________, attorney, to transfer said Note on the books kept for registration thereof, with full power of substitution in the premises. Dated: */ Signature Guaranteed: */ * NOTICE: The signature to this assignment must correspond with the name of the registered owner as it appears on the face of the within Note in every particular , without alteration, enlargement or any change whatever. Such signature must be guaranteed by an "eligible guarantor institution" meeting the requirements of the Note Registrar, which requirements include membership or participation in STAMP or such other "signature guarantee program: as may be determined by the Note Registrar in addition to, or in substitution for, STAMP, all in accordance with the Securities Exchange Act of 1934, as amended. 7 APPENDIX A DEFINITIONS Addition Notice: With respect to the transfer of Subsequent Home Loans to the Issuer pursuant to Section 2.2 of the Purchase Agreement (in substantially the form set forth in Exhibit 3 to such agreement), a notice given to the Rating Agencies, the Indenture Trustee, the Credit Enhancer and the Owner Trustee, which shall be given not later than seven Business Days prior to the related Subsequent Transfer Date, of (i) the Seller's designation of Subsequent Home Loans to be sold to the Issuer, and (ii) the aggregate principal balance as of the Subsequent Cut-Off Date of such Subsequent Home Loans. Affiliate: With respect to any Person, any other Person controlling, controlled by or under common control with such Person. For purposes of this definition, "control" means the power to direct the management and policies of a Person, directly or indirectly, whether through ownership of voting securities, by contract or otherwise and "controlling" and "controlled" shall have meanings correlative to the foregoing. Appraised Value: With respect to any Mortgaged Property, either (x) the value as generally set forth in an appraisal of such Mortgaged Property used to establish compliance with the underwriting criteria then in effect in connection with the application for the Home Loan secured by such Mortgaged Property, or (y) if the sales price of such Mortgaged Property was considered in accordance with the underwriting criteria applicable to the related Home Loan, the lesser of (i) the appraised value referred to in (x) above and (ii) the sales price of such Mortgaged Property. Assignment of Mortgage: With respect to any Mortgage, an assignment, notice of transfer or equivalent instrument, in recordable form, sufficient under the laws of the jurisdiction in which the related Mortgaged Property is located to reflect the conveyance of such Mortgage, which assignment, notice of transfer or equivalent instrument may be in the form of one or more blanket assignments covering Mortgages secured by Mortgaged Properties located in the same jurisdiction. Authorized Newspaper: A newspaper of general circulation in the Borough of Manhattan, The City of New York, printed in the English language and customarily published on each Business Day, whether or not published on Saturdays, Sundays or holidays. Authorized Officer: With respect to the Issuer, any officer of the Owner Trustee who is authorized to act for the Owner Trustee in matters relating to the Issuer and who is identified on the list of Authorized Officers delivered by the Owner Trustee to the Indenture Trustee on the Closing Date (as such list may be modified or supplemented from time to time thereafter). Bankruptcy Code: The Bankruptcy Code of 1978, as amended. Basic Documents: The Trust Agreement, the Indenture, the Purchase Agreement, the Insurance Agreement, the Policy, the Servicing Agreement, the Custodial Agreement, any Subsequent Transfer Agreement and the other documents and certificates delivered in connection with any of the above. Beneficial Owner: With respect to any Note, the Person who is the beneficial owner of such Note as reflected on the books of the Depository or on the books of a Person maintaining an account with such Depository (directly as a Depository Participant or indirectly through a Depository Participant, in accordance with the rules of such Depository). Billing Cycle: With respect to any Home Loan and Due Date, the calendar month preceding such Due Date. Book-Entry Notes: Beneficial interests in the Notes, ownership and transfers of which shall be made through book entries by the Depository as described in Section 4.06 of the Indenture. Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the States of New York, Pennsylvania or Delaware are required or authorized by law to be closed. Business Trust Statute: Chapter 38 of Title 12 of the Delaware Code, 12 Del. Codess.ss.3801 et seq., as the same may be amended from time to time. Capitalized Interest Account: The account established and maintained pursuant to Section 3.18 of the Servicing Agreement. Capitalized Interest Requirement: With respect to each Payment Date during the Pre-Funding Period, the excess, if any of (i) the sum of (A) the amount of interest accrued at the applicable Note Rate or Rates on the respective Note Balances for the related Interest Period on the amount on deposit in the Pre-Funding Account as of the preceding Payment Date (or as of the Closing Date, in the case of the first Payment Date) and (B) the amount of any fees paid to the Credit Enhancer and and any amounts owed for the Limited Reimbursement Agreement, over (ii) the amount of reinvestment earnings for the related Interest Period on funds on deposit in the Pre-Funding Account. Certificate Balance: With respect to any Payment Date and any Certificate, an amount equal to the then applicable Certificate Percentage Interest of such Certificate multiplied by the Overcollateralization Amount. Certificate Distribution Amount: For any Payment Date, the amount, if any, distributable on the Certificates for such Payment Date pursuant to Section 3.05(a)(xii) of the Indenture. Certificate Paying Agent: The meaning specified in Section 3.10 of the Trust Agreement. Certificate Percentage Interest: With respect to any Payment Date and any Certificate, the Percentage Interest for such Certificate. 2 Certificate Register: The register maintained by the Certificate Registrar in which the Certificate Registrar shall provide for the registration of Certificates and of transfers and exchanges of Certificates. Certificate of Trust: The Certificate of Trust filed for the Trust pursuant to Section 3810(a) of the Business Trust Statute. Certificate Registrar: Initially, the Indenture Trustee, in its capacity as Certificate Registrar. Certificateholder: The Person in whose name a Certificate is registered in the Certificate Register except that, any Certificate registered in the name of the Issuer, the Owner Trustee or the Indenture Trustee or any Affiliate of the Owner Trustee or the Indenture Trustee shall be deemed not to be outstanding and the registered holder will not be considered a Certificateholder for purposes of giving any request, demand, authorization, direction, notice, consent or waiver under the Indenture or the Trust Agreement; provided that, in determining whether the Indenture Trustee or the Owner Trustee shall be protected in relying upon any such request, demand, authorization, direction, notice, consent or waiver, only Certificates that the Indenture Trustee or the Owner Trustee knows to be so owned shall be so disregarded. Owners of Certificates that have been pledged in good faith may be regarded as Certificateholders if the pledgee establishes to the satisfaction of the Indenture Trustee or the Owner Trustee, as the case may be, the pledgee's right so to act with respect to such Certificates and that the pledgee is not the Issuer, any other obligor upon the Certificates or any Affiliate of the Owner Trustee or the Indenture Trustee. Certificates: The certificates in substantially the form set forth in Exhibit A to the Trust Agreement. Class: With respect to any Note, all Notes that bear the same class designation, (i.e., the Class A-1 Notes as a group, the Class A-2 Notes as a group, the Class A-3 Notes as a group or the Class A-4 Notes as a group). Class A-1 Notes: The Class A-1 GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1, in substantially the form set forth in Exhibit A-1 to the Indenture. Class A-2 Notes: The Class A-2 GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1, in substantially the form set forth in Exhibit A-1 to the Indenture. Class A-3 Notes: The Class A-3 GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1, in substantially the form set forth in Exhibit A-1 to the Indenture. Class A-4 Notes: The Class A-4 GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1, in substantially the form set forth in Exhibit A-1 to the Indenture. Closing Date: March 30, 2000. Code: The Internal Revenue Code of 1986, as amended, and the rules and regulations promulgated thereunder. 3 Collateral: The meaning specified in the Granting Clause of the Indenture. Collection Period: With respect to any Home Loan and Payment Date, the calendar month preceding any such Payment Date. Collections: With respect to any Collection Period, all Interest Collections and Principal Collections during such Collection Period. Combined Loan-to-Value Ratio or CLTV: With respect to each Home Loan, the ratio, expressed as a percentage, of the sum of (i) the initial principal balance of such Home Loan and (ii) any outstanding principal balance, at origination of such Home Loan, of all other mortgage loans, if any, secured by senior or subordinate liens on the related Mortgaged Property, to the Appraised Value, or, when not available, the Stated Value. Commission: The Securities and Exchange Commission. Corporate Trust Office: With respect to the Indenture Trustee, Certificate Registrar, Certificate Paying Agent and Paying Agent, the principal corporate trust office of the Indenture Trustee and Note Registrar at which at any particular time its corporate trust business shall be administered, which office at the date of the execution of this instrument is located at 101 Barclay Street, 12-E, New York, New York 10286, Attention: Corporate Trust-GMACM Series 2000-HLTV1. With respect to the Owner Trustee, the principal corporate trust office of the Owner Trustee at which at any particular time its corporate trust business shall be administered, which office at the date of the execution of this Trust Agreement is located at Rodney Square North, 1100 North Market Street, Wilmington, Delaware 19890, Attention: Corporate Trust Administration. Credit Enhancer: Ambac Assurance Corporation, any successor thereto or any replacement Credit Enhancer substituted pursuant to the Indenture. Credit Enhancer Default: Any failure by the Credit Enhancer to make a payment required under the Policy in accordance with its terms. Custodial Account: The account or accounts created and maintained by the Servicer pursuant to Section 3.02(b) of the Servicing Agreement, in which the Servicer shall deposit or cause to be deposited certain amounts in respect of the Home Loans. Custodial Agreement: Any Custodial Agreement among the Custodian, the Indenture Trustee, the Issuer and the Servicer relating to the custody of the Home Loans and the Related Documents. Custodian: Escrow Bank USA, an industrial loan corporation established under the laws of the State of Utah, and its successors and assigns, or any successor custodian for the Mortgage Files appointed by the Indenture Trustee and reasonably acceptable to the Credit Enhancer and the Servicer. Cut-Off Date: March 1, 2000. 4 Cut-Off Date Principal Balance: With respect to any Initial Home Loan or Subsequent Home Loan, the unpaid principal balance thereof as of the close of business on the last day of the Billing Cycle immediately prior to the Cut-Off Date or Subsequent Cut-Off Date, as the case may be. Debt Service Reduction: With respect to any Home Loan, a reduction in the scheduled payment for such Home Loan by a court of competent jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction constituting a Deficient Valuation or any reduction that results in a permanent forgiveness of principal. Default: Any occurrence which is or with notice or the lapse of time or both would become an Event of Default. Deficient Valuation: With respect to any Home Loan, a valuation by a court of competent jurisdiction of the related Mortgaged Property in an amount less than the then outstanding indebtedness under such Home Loan, or any reduction in the amount of principal to be paid in connection with any scheduled payment that constitutes a permanent forgiveness of principal, which valuation or reduction results from a proceeding under the Bankruptcy Code. Definitive Notes: The meaning specified in Section 4.06 of the Indenture. Deleted Loan: A Home Loan replaced or to be replaced with an Eligible Substitute Loan. Depositor: Residential Asset Mortgage Products, Inc., a Delaware corporation, or its successor in interest. Depository: The Depository Trust Company or a successor appointed by the Indenture Trustee with the approval of the Issuer. Any successor to the Depository shall be an organization registered as a "clearing agency" pursuant to Section 17A of the Exchange Act and the regulations of the Commission thereunder. Depository Participant: A Person for whom, from time to time, the Depository effects book-entry transfers and pledges of securities deposited with the Depository. Determination Date: With respect to any Payment Date, the 13th day of the month in which such Payment Date occurs or if such day is not a Business Day, the next succeeding Business Day. Distribution Account: The account or accounts created and maintained by the Certificate Paying Agent pursuant to Section 3.10(c) of the Trust Agreement. The Certificate Paying Agent will make all distributions on the Certificates from money on deposit in the Distribution Account. Due Date: With respect to the Home Loans, the date on which the Monthly Payment thereon is due in accordance with the terms of the related Mortgage Note. Eligible Account: An account that is any of the following: (i) maintained with a depository institution the short-term debt obligations of which have been rated by each Rating 5 Agency in its highest rating category available, or (ii) an account or accounts in a depository institution in which such accounts are fully insured to the limits established by the FDIC, provided that any deposits not so insured shall, to the extent acceptable to each Rating Agency, as evidenced in writing, be maintained such that (as evidenced by an Opinion of Counsel delivered to the Indenture Trustee and each Rating Agency) the Indenture Trustee have a claim with respect to the funds in such account or a perfected first security interest against any collateral (which shall be limited to Permitted Investments) securing such funds that is superior to claims of any other depositors or creditors of the depository institution with which such account is maintained, or (iii) an account or accounts maintained with a depository institution or trust company, as long as its short term debt obligations are rated P-1 by Moody's and A-1+ by Standard & Poor's (or the equivalent) or better by each Rating Agency, and its long term debt obligations are rated A2 by Moody's and AA- by Standard & Poor's (or the equivalent) or better by each Rating Agency, or (iv) a segregated trust account or accounts maintained in the corporate trust division of a depository institution or trust company, acting in its fiduciary capacity, or (v) an account or accounts of a depository institution acceptable to each Rating Agency (as evidenced in writing by each Rating Agency that use of any such account will not cause a Rating Event (if determined without regard to the Policy)). Eligible Substitute Loan: A Home Loan substituted by the Seller for a Deleted Loan, which must, on the date of such substitution, as confirmed in an Officers' Certificate delivered to the Indenture Trustee, (i) have an outstanding principal balance, after deduction of the principal portion of the monthly payment due in the month of substitution (or in the case of a substitution of more than one Home Loan for a Deleted Loan, an aggregate outstanding principal balance, after such deduction), not in excess of the outstanding principal balance of the Deleted Loan (the amount of any shortfall to be deposited by the Seller in the Custodial Account in the month of substitution); (ii) comply with each representation and warranty set forth in Section 3.1(b) of the Purchase Agreement, other than clauses (viii), (xiii), (xiv), (xxiv), (xxv) and (xxvii), as of the date of substitution; (iii) have a Loan Rate and Net Loan Rate no lower than and not more than 1% per annum higher than the Loan Rate and Net Loan Rate, respectively, of the Deleted Loan as of the date of substitution; (iv) have a CLTV at the time of substitution no higher than that of the Deleted Loan at the time of substitution; (v) have a remaining term to stated maturity not greater than (and not more than one year less than) that of the Deleted Loan; (vi) is a REMIC Ineligible Loan, if such Deleted Loan was a REMIC Ineligible Loan and (vii) not be 30 days or more delinquent. ERISA: The Employee Retirement Income Security Act of 1974, as amended. Event of Default: With respect to the Indenture, any one of the following events (whatever the reason for such Event of Default and whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body): (a) a default in the payment of the principal of, any installment of the principal of or interest on any Note when the same becomes due and payable, and such default shall continue for a period of five (5) days; 6 (b) there occurs a default in the observance or performance in any material respect of any covenant or agreement of the Issuer made in the Indenture, or any representation or warranty of the Issuer made in the Indenture or in any certificate delivered pursuant hereto or in connection herewith proving to have been incorrect in any material respect as of the time when the same shall have been made that has a material adverse effect on the Noteholders or the Credit Enhancer, and such default shall continue or not be cured, or the circumstance or condition in respect of which such representation or warranty was incorrect shall not have been eliminated or otherwise cured, for a period of 30 days after there shall have been given, by registered or certified mail, to the Issuer by the Indenture Trustee or to the Issuer and the Indenture Trustee by the Credit Enhancer or the Noteholders of at least 25% of the aggregate Note Balance of the Notes, a written notice specifying such default or incorrect representation or warranty and requiring it to be remedied and stating that such notice is a notice of default hereunder; (c) there occurs the filing of a decree or order for relief by a court having jurisdiction in the premises in respect of the Issuer or any substantial part of the Trust Estate in an involuntary case under any applicable federal or state bankruptcy, insolvency or other similar law now or hereafter in effect, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official of the Issuer or for any substantial part of the Trust Estate, or ordering the winding-up or liquidation of the Issuer's affairs, and such decree or order shall remain unstayed and in effect for a period of 60 consecutive days; or (d) there occurs the commencement by the Issuer of a voluntary case under any applicable federal or state bankruptcy, insolvency or other similar law now or hereafter in effect, or the consent by the Issuer to the entry of an order for relief in an involuntary case under any such law, or the consent by the Issuer to the appointment or taking possession by a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official of the Issuer or for any substantial part of the assets of the Trust Estate, or the making by the Issuer of any general assignment for the benefit of creditors, or the failure by the Issuer generally to pay its debts as such debts become due, or the taking of any action by the Issuer in furtherance of any of the foregoing. Exchange Act: The Securities Exchange Act of 1934, as amended, and the rules and regulations promulgated thereunder. Existing Lien: The meaning specified in Section 3.05 of the Servicing Agreement. Expenses: The meaning specified in Section 7.02 of the Trust Agreement. Fannie Mae: Fannie Mae, formerly the Federal National Mortgage Association, or any successor thereto. FDIC: The Federal Deposit Insurance Corporation or any successor thereto. Final Payment Date: The Payment Date in June 2025. Fiscal Year: The fiscal year of the Trust, which shall end on December 31 of each year. 7 Foreclosure Profit: With respect to a Liquidated Home Loan, the amount, if any, by which (i) the aggregate of Liquidation Proceeds net of Liquidation Expenses exceeds (ii) the Principal Balance of such Liquidated Home Loan (plus accrued and unpaid interest thereon at the applicable Loan Rate from the date interest was last paid through the date of receipt of the final Liquidation Proceeds) immediately prior to the final recovery of the related Liquidation Proceeds. Freddie Mac: Freddie Mac, formerly the Federal Home Loan Mortgage Corporation, or any successor thereto. GAAP: Generally accepted accounting principles. Grant: Pledge, bargain, sell, warrant, alienate, remise, release, convey, assign, transfer, create, and grant a lien upon and a security interest in and right of set-off against, deposit, set over and confirm pursuant to the Indenture. A Grant of the Collateral or of any other agreement or instrument shall include all rights, powers and options (but none of the obligations) of the granting party thereunder, including the immediate and continuing right to claim for, collect, receive and give receipt for principal and interest payments in respect of such collateral or other agreement or instrument and all other moneys payable thereunder, to give and receive notices and other communications, to make waivers or other agreements, to exercise all rights and options, to bring proceedings in the name of the granting party or otherwise, and generally to do and receive anything that the granting party is or may be entitled to do or receive thereunder or with respect thereto. GMAC: General Motors Acceptance Corporation, and its successors and assigns. GMACM: GMAC Mortgage Corporation, and its successors and assigns. Home Loan Schedule: The initial schedule of Initial Home Loans as of the Cut-Off Date set forth in Exhibit A of the Servicing Agreement, and as of each Subsequent Cut-off Date, any Subsequent Home Loans, which schedule sets forth as to each Home Loan the (i) Cut-Off Date Principal Balance, (ii) name of the related Mortgagor, (iii) loan number, (iv) address of the related Mortgagor, (v) lien position of the related Mortgage, (vi) original term to maturity of the related Mortgage Note, (vii) date of the related Mortgage Note, (viii) maturity date of the related Mortgage Note, (ix) Appraised Value of the related Mortgaged Property, (x) unpaid principal balance of a mortgage loan secured by a lien senior to the Home Loan, (xi) CLTV, (xii) debt-to-income ratio of the related Mortgagor, and (xiii) number of residential units on the related Mortgaged Property. Home Loans: At any time, all Initial Home Loans and Subsequent Home Loans, if any, that have been sold to the Issuer pursuant to, in the case of Initial Home Loans, the Trust Agreement, or, in the case of Subsequent Home Loans, a Subsequent Transfer Agreement, together with all monies due or become due thereunder or the Related Documents, and that remain subject to the terms thereof. Indemnified Party: The meaning specified in Section 7.02 of the Trust Agreement. 8 Indenture: The indenture dated as of March 30, 2000 between the Issuer and the Indenture Trustee. Indenture Trustee: The Bank of New York, a New York banking corporation, and its successors and assigns or any successor indenture trustee appointed pursuant to the terms of the Indenture. Independent: When used with respect to any specified Person, such Person (i) is in fact independent of the Issuer, any other obligor on the Notes, the Seller, the Depositor and any Affiliate of any of the foregoing Persons, (ii) does not have any direct financial interest or any material indirect financial interest in the Issuer, any such other obligor, the Seller, the Depositor or any Affiliate of any of the foregoing Persons and (iii) is not connected with the Issuer, any such other obligor, the Seller, the Depositor or any Affiliate of any of the foregoing Persons as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. Independent Certificate: A certificate or opinion to be delivered to the Indenture Trustee under the circumstances described in, and otherwise complying with, the applicable requirements of Section 10.01 of the Indenture, made by an Independent appraiser or other expert appointed by an Issuer Order and approved by the Indenture Trustee in the exercise of reasonable care, and such opinion or certificate shall state that the signer has read the definition of "Independent" in this Indenture and that the signer is Independent within the meaning thereof. Initial Home Loans: The Home Loans initially transferred by the Depositor to the Issuer on the Closing Date, which are listed on the Home Loan Schedule on such date. Initial Aggregate Note Balance: $155,000,000. Initial Class A-1 Note Balance: $64,570,000. Initial Class A-2 Note Balance: $18,887,000. Initial Class A-3 Note Balance: $29,790,000. Initial Class A-4 Note Balance: $41,753,000. Insolvency Event: With respect to a specified Person, (a) the filing of a decree or order for relief by a court having jurisdiction in the premises in respect of such Person or any substantial part of its property in an involuntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official for such Person or for any substantial part of its property, or ordering the winding-up or liquidation of such Person's affairs, and such decree or order shall remain unstayed and in effect for a period of 60 consecutive days; or (b) the commencement by such Person of a voluntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or the consent by such Person to the entry of an order for relief in an involuntary case under any such law, or the consent by such Person to the appointment of or taking possession by a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official for such Person or for any substantial part of its property, or the 9 making by such Person of any general assignment for the benefit of creditors, or the failure by such Person generally to pay its debts as such debts become due or the admission by such Person in writing (as to which the Indenture Trustee shall have notice) of its inability to pay its debts generally, or the adoption by the Board of Directors or managing member of such Person of a resolution which authorizes action by such Person in furtherance of any of the foregoing. Insurance Agreement: The Insurance and Indemnity Agreement dated as of March 30, 2000, among the Servicer, the Seller, the Depositor, the Issuer, the Indenture Trustee and the Credit Enhancer, including any amendments and supplements thereto. Insurance Proceeds: Proceeds paid by any insurer (other than the Credit Enhancer) pursuant to any insurance policy covering a Home Loan which are required to be remitted to the Servicer, or amounts required to be paid by the Servicer pursuant to the next to last sentence of Section 3.04 of the Servicing Agreement, net of any component thereof (i) covering any expenses incurred by or on behalf of the Servicer in connection with obtaining such proceeds, (ii) that is applied to the restoration or repair of the related Mortgaged Property, (iii) released to the related Mortgagor in accordance with the Servicer's normal servicing procedures or (iv) required to be paid to any holder of a mortgage senior to such Home Loan. Insured Amount: As defined in the Policy. Interest Collections: With respect to any Payment Date, the sum of (i) the portion allocable to interest of all scheduled monthly payments on the Home Loans received during the related Collection Period, minus the Servicing Fee for the related Collection Period, (ii) the portion of all Net Liquidation Proceeds allocable to interest pursuant to the terms of the Mortgage Notes, reduced by the Servicing Fee for the related Collection Period and (iii) the interest portion of the Repurchase Price for any Deleted Loans and the cash purchase price paid in connection with any optional purchase of the Home Loans by the Servicer. The terms of the related Mortgage Note shall determine the portion of each payment in respect of each Home Loan that constitutes principal or interest. Interest Coverage Amount: The amount to be paid from proceeds received from the sale of the Notes for deposit into the Capitalized Interest Account pursuant to Section 3.18 of the Servicing Agreement on the Closing Date, which amount initially shall be $616,241.09, and thereafter, shall be the amount computed in accordance with Section 3.18. Interest Period: With respect to the Class A-1 Notes and any Payment Date other than the first Payment Date, the period beginning on the preceding Payment Date and ending on the day preceding such Payment Date, and in the case of the first Payment Date, the period beginning on March 30, 2000 and ending on the day preceding the first Payment Date. With respect to the Class A-2 Notes, Class A-3 Notes and Class A-4 Notes and any Payment Date, the calendar month preceding the month in which such Payment Date occurs. Issuer or Trust: The GMACM Home Loan Trust 2000-HLTV1, a Delaware business trust, or its successor in interest. Issuer Order or Issuer Request: A written order or request signed in the name of the Issuer by any one of its Authorized Officers and delivered to the Indenture Trustee. 10 LIBOR: As to any Interest Period, (a) for any Interest Period other than the first Interest Period, the rate for United States dollar deposits for one month that appears on the Telerate Screen Page 3750 as of 11:00 a.m., London, England time, on the second LIBOR Business Day prior to the first day of that Interest Period or (b) with respect to the first Interest Period, the rate for United States dollar deposits for one month that appears on the Telerate Screen Page 3750 as of 11:00 a.m., London, England time, two LIBOR Business Days prior to the Closing Date. If such rate does not appear on such page (or other page as may replace that page on that service, or if such service is no longer offered, such other service for displaying LIBOR or comparable rates as may be reasonably selected by the Indenture Trustee after consultation with the Servicer), the rate will be the Reference Bank Rate. If no such quotations can be obtained and no Reference Bank Rate is available, LIBOR will be LIBOR applicable to the preceding Payment Date. LIBOR Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. Lien: Any mortgage, deed of trust, pledge, conveyance, hypothecation, assignment, participation, deposit arrangement, encumbrance, lien (statutory or other), preference, priority right or interest or other security agreement or preferential arrangement of any kind or nature whatsoever, including, without limitation, any conditional sale or other title retention agreement, any financing lease having substantially the same economic effect as any of the foregoing and the filing of any financing statement under the UCC (other than any such financing statement filed for informational purposes only) or comparable law of any jurisdiction to evidence any of the foregoing; provided, however, that any assignment pursuant to Section 6.02 of the Servicing Agreement shall not be deemed to constitute a Lien. Limited Reimbursement Agreement: The limited reimbursement agreement entered into by the Credit Enhancer on the Closing Date. Liquidated Home Loan: With respect to any Payment Date, any Home Loan in respect of which the Servicer has determined, in accordance with the servicing procedures specified in the Servicing Agreement, as of the end of the related Collection Period that substantially all Liquidation Proceeds which it reasonably expects to recover, if any, with respect to the disposition of the related REO Property have been recovered, provided that, unless a longer period is otherwise agreed to in writing by the Credit Enhancer, the Servicer will treat any Home Loan that is 180 days or more delinquent as having been finally liquidated. Liquidation Expenses: All out-of-pocket expenses (exclusive of overhead) incurred by or on behalf of the Servicer in connection with the liquidation of any Home Loan and not recovered under any insurance policy, including legal fees and expenses, any unreimbursed amount expended (including, without limitation, amounts advanced to correct defaults on any mortgage loan which is senior to such Home Loan and amounts advanced to keep current or pay off a mortgage loan that is senior to such Home Loan) respecting such Home Loan and any related and unreimbursed expenditures for real estate property taxes or for property restoration, preservation or insurance against casualty loss or damage. 11 Liquidation Loss Amount: With respect to any Payment Date and any Home Loan that became a Liquidated Home Loan during the related Collection Period, the unrecovered portion of the Principal Balance of such Home Loan and any unpaid accrued interest thereon at the end of such Collection Period, after giving effect to the Net Liquidation Proceeds applied in reduction of such Principal Balance. Liquidation Loss Distribution Amount: With respect to any Payment Date, the aggregate of (A) 100% of the Liquidation Loss Amounts on such Payment Date, plus (B) any such Liquidation Loss Amounts remaining undistributed from any preceding Payment Date, provided that any such Liquidation Loss Distribution Amount remaining undistributed from any preceding Payment Date shall not be distributed to the extent that it was paid by means of a draw on the Policy or was reflected in the reduction of the Overcollateralization Amount. Liquidation Proceeds: Proceeds (including Insurance Proceeds but not including amounts drawn under the Policy) if any received in connection with the liquidation of any Home Loan or related REO Property, whether through trustee's sale, foreclosure sale or otherwise. Loan Rate: With respect to any Home Loan and any day, the per annum rate of interest applicable under the related Mortgage Note. Lost Note Affidavit: With respect to any Home Loan as to which the original Mortgage Note has been permanently lost or destroyed and has not been replaced, an affidavit from the Seller certifying that the original Mortgage Note has been lost, misplaced or destroyed (together with a copy of the related Mortgage Note, if available). Monthly Payment: With respect to any Home Loan (including any REO Property) and any Due Date, the payment of principal and interest due thereon in accordance with the amortization schedule at the time applicable thereto (after adjustment, if any, for any partial Principal Prepayments thereon and for Deficient Valuations occurring prior to such Due Date but before any adjustment to such amortization schedule by reason of any bankruptcy, other than a Deficient Valuation, or similar proceeding or any moratorium or similar waiver or grace period). Moody's: Moody's Investors Service, Inc., or its successor in interest. Mortgage: The mortgage, deed of trust or other instrument creating a first or second lien on an estate in fee simple interest in real property securing a Home Loan. Mortgage File: The file containing the Related Documents pertaining to a particular Home Loan and any additional documents required to be added thereto pursuant to the Purchase Agreement or the Servicing Agreement. Mortgage Note: With respect to a Home Loan, the promissory note pursuant to which the related Mortgagor agrees to pay the indebtedness evidenced thereby and secured by the related Mortgage as modified or amended. Mortgaged Property: The underlying property, including real property and improvements thereon, securing a Home Loan. 12 Mortgagor: The obligor or obligors under a Mortgage Note. Net Liquidation Proceeds: With respect to any Liquidated Home Loan, Liquidation Proceeds net of Liquidation Expenses (but not including the portion, if any, of such amount that exceeds the Principal Balance of such Home Loan at the end of the Collection Period immediately preceding the Collection Period in which such Home Loan became a Liquidated Home Loan). Net Loan Rate: With respect to any Payment Date, the weighted average of the Loan Rates of the Home Loans as of the first day of the calendar month in which the related Interest Period begins, net of the premium rate on the Policy and the Servicing Fee Rate. Note Balance: With respect to any Payment Date and any Class of Notes, the Initial Note Balance thereof reduced by all payments of principal thereon prior to and as of such Payment Date. Note Owner or Owner: The Beneficial Owner of a Note. Note Payment Account: The account established by the Indenture Trustee pursuant to Section 8.02 of the Indenture and Section 5.01 of the Servicing Agreement. Amounts deposited in the Note Payment Account will be distributed by the Indenture Trustee in accordance with Section 3.05 of the Indenture. Note Rate: As to the Notes, the following rates: Class A-1 Notes: a floating rate equal to the lesser of (i) LIBOR plus 0.20% per annum, and (ii) 10.00% per annum; Class A-2 Notes: a fixed rate equal to 7.84% per annum; Class A-3 Notes: a fixed rate equal to 8.17% per annum; and Class A-4 Notes: a fixed rate equal to 8.27% per annum (or, for any Interest Period commencing immediately following the first Payment Date on which the aggregate Principal Balance of the Home Loans is less than 10% of the initial Pool Balance, a fixed rate equal to 8.77% per annum). Note Register: The register maintained by the Note Registrar in which the Note Registrar shall provide for the registration of Notes and of transfers and exchanges of Notes. Note Registrar: The Indenture Trustee, in its capacity as Note Registrar. Noteholder: The Person in whose name a Note is registered in the Note Register, except that, any Note registered in the name of the Depositor, the Issuer or the Indenture Trustee or any Affiliate of any of them shall be deemed not to be outstanding and the registered holder will not be considered a Noteholder for purposes of giving any request, demand, authorization, direction, notice, consent or waiver under the Indenture or the Trust Agreement; provided, that in determining whether the Indenture Trustee shall be protected in relying upon any such request, 13 demand, authorization, direction, notice, consent or waiver, only Notes that the Indenture Trustee or the Owner Trustee knows to be so owned shall be so disregarded. Owners of Notes that have been pledged in good faith may be regarded as Noteholders if the pledgee thereof establishes to the satisfaction of the Indenture Trustee or the Owner Trustee such pledgee's right so to act with respect to such Notes and that such pledgee is not the Issuer, any other obligor on the Notes or any Affiliate of any of the foregoing Persons. Notes: Any one of the Class A-1, Class A-2, Class A-3 or the Class A-4 Notes issued and outstanding at any time pursuant to the Indenture. Officer's Certificate: With respect to the Servicer, a certificate signed by the President, Managing Director, a Director, a Vice President or an Assistant Vice President, of the Servicer and delivered to the Indenture Trustee. With respect to the Issuer, a certificate signed by any Authorized Officer of the Issuer, under the circumstances described in, and otherwise complying with, the applicable requirements of Section 10.01 of the Indenture, and delivered to the Indenture Trustee. Unless otherwise specified, any reference in the Indenture to an Officer's Certificate shall be to an Officer's Certificate of any Authorized Officer of the Issuer. Opinion of Counsel: A written opinion of counsel of a law firm reasonably acceptable to the recipient thereof. Any Opinion of Counsel for the Servicer may be provided by in-house counsel for the Servicer if reasonably acceptable. Original Pre-Funded Amount: The amount deposited from the proceeds of the sale of the Securities into the Pre-Funding Account on the Closing Date, which amount is $38,251,940.50. Outstanding: With respect to the Notes, as of the date of determination, all Notes theretofore executed, authenticated and delivered under this Indenture except: (i) Notes theretofore cancelled by the Note Registrar or delivered to the Indenture Trustee for cancellation; and (ii) Notes in exchange for or in lieu of which other Notes have been executed, authenticated and delivered pursuant to the Indenture unless proof satisfactory to the Indenture Trustee is presented that any such Notes are held by a holder in due course; provided, however, that for purposes of effectuating the Credit Enhancer's right of subrogation as set forth in Section 4.12 of the Indenture only, all Notes that have been paid with funds provided under the Policy shall be deemed to be Outstanding until the Credit Enhancer has been reimbursed with respect thereto. Overcollateralization Amount: With respect to any Payment Date, the amount (but not less than zero), if any, by which (a) the Pool Balance after applying payments received in the related Collection Period (but without further reduction due to any Home Loan becoming a Liquidated Home Loan during such Collection Period), exceeds (b) the aggregate Note Balance of the Notes on such Payment Date (after application of the Principal Collections and Liquidation Loss Amounts for such date). The Overcollateralization Amount is subject to reduction on any Payment Date as described in Section 3.05(c) of the Indenture. 14 Overcollateralization Increase Amount: With respect to any Payment Date, an amount equal to the lesser of (i) the amount remaining in the Note Payment Account following distributions pursuant to Section 3.05(a)(v) of the Indenture and (ii) the amount necessary to increase the Overcollateralization Amount to the Required Overcollateralization Amount. Overcollateralization Release Amount: With respect to any date of determination, the excess, if any, of the Overcollateralization Amount over the Required Overcollateralization Amount. Owner Trust: GMACM Loan Trust 2000-HLTV1, created by the Certificate of Trust pursuant to the Trust Agreement. Owner Trustee: Wilmington Trust Company, not in its individual capacity but solely as owner trustee, and its successors and assigns or any successor Owner Trustee appointed pursuant to the terms of the Trust Agreement. Paying Agent: Any paying agent or co-paying agent appointed pursuant to Section 3.03 of the Indenture, which initially shall be the Indenture Trustee. Payment Date: The 18th day of each month, or if such day is not a Business Day, then the next Business Day. Percentage Interest: With respect to any Note and Payment Date, the percentage obtained by dividing the Note Balance of such Note by the aggregate Note Balance of all Notes prior to such Payment Date. With respect to any Certificate and any Payment Date, the Percentage Interest stated on the face of such Certificate. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to principal and interest by the United States or any agency or instrumentality thereof when such obligations are backed by the full faith and credit of the United States; (ii) repurchase agreements on obligations specified in clause (i) above maturing not more than one month from the date of acquisition thereof; provided, that the unsecured obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in its highest short-term rating category available; (iii)federal funds, certificates of deposit, demand deposits, time deposits and bankers' acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers' acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof or of any domestic branch of a foreign depository institution or trust company; provided that the debt obligations of such depository institution or trust company (or, if the only Rating Agency is Standard & Poor's, in the case of the principal depository institution in a depository institution holding company, debt obligations of the depository institution holding company) at the date of acquisition thereof have been rated by each Rating Agency in its highest 15 short-term rating category available; and provided further, that if the only Rating Agency is Standard & Poor's and if the depository or trust company is a principal subsidiary of a bank holding company and the debt obligations of such subsidiary are not separately rated, the applicable rating shall be that of the bank holding company; and provided further, that if the only Rating Agency is Standard & Poor's and the original maturity of such short-term obligations of a domestic branch of a foreign depository institution or trust company shall exceed 30 days, the short-term rating of such institution shall be A-1+; (iv) commercial paper (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has been rated by each Rating Agency in its highest short-term rating category available; provided, that such commercial paper shall have a remaining maturity of not more than 30 days; (v) a money market fund or a qualified investment fund rated by each Rating Agency in one of its two highest long-term rating category available including any fund advised by the Indenture Trustee or an Affiliate thereof; (vi) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not cause a Rating Event, and which are acceptable to the Credit Enhancer, as evidenced in writing; provided, that if the Servicer or any other Person controlled by the Servicer is the issuer or the obligor of any obligation or security described in this clause (vi), such obligation or security must have an interest rate or yield that is fixed or is variable based on an objective index that is not affected by the rate or amount of losses on the Home Loans; and (vii)GMAC Variable Denomination Adjustable Rate Demand Notes constituting unsecured, senior debt obligations of General Motors Acceptance Corporation as outlined in the prospectus dated June 17, 1998 rated by each Rating Agency in its highest short-term rating category available; provided, however, that no instrument shall be a Permitted Investment if it represents, either (1) the right to receive only interest payments with respect to the underlying debt instrument or (2) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest payments with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations References herein to the highest rating available on unsecured long-term debt shall mean AAA in the case of Standard & Poor's and Aaa in the case of Moody's, and references herein to the highest rating available on unsecured commercial paper and short-term debt obligations shall mean A-1 in the case of Standard & Poor's and P-1 in the case of Moody's. Person: Any legal individual, corporation, partnership, joint venture, association, joint-stock company, limited liability company, trust, unincorporated organization or government or any agency or political subdivision thereof. Plan: The meaning specified in Section 3.05 of the Trust Agreement. Plan Assets: The meaning specified in Section 3.05 of the Trust Agreement. 16 Policy: The Certificate Guaranty Insurance Policy #AB0352BE, dated as of the Closing Date, issued by the Credit Enhancer. Policy Draw Amount: With respect to any Payment Date other than the Final Payment Date, an amount, if any, equal to (1) the sum of (a) the amount by which the aggregate amount of accrued interest on the Notes (excluding the aggregate Relief Act Shortfalls, if any, for such Payment Date) at the respective Note Rates on such Payment Date exceeds the amount on deposit in the Note Payment Account available for interest distributions on such Payment Date, and (b) any Liquidation Loss Amount for such Payment Date, to the extent not currently covered by a Liquidation Loss Distribution Amount or a reduction in the Overcollateralization Amount, minus (2) the amount of any payments made to the Indenture Trustee with respect to that date under the Limited Reimbursement Agreement. With respect to the Final Payment Date, an amount, if any, equal to (1) the sum of (a) the amount by which the aggregate amount of accrued interest on the Notes (excluding the aggregate Relief Act Shortfalls, if any, for such Payment Date) at the respective Note Rates on the Final Payment Date exceeds the amount on deposit in the Note Payment Account available for interest distributions on the Final Payment Date, and (b) the aggregate outstanding Note Balance of each Class of Notes to the extent not otherwise paid on such date, minus (2) the amount of any payments made to the Indenture Trustee with respect to that date under the Limited Reimbursement Agreement. Pool Balance: With respect to any date, the aggregate Principal Balance of all Home Loans as of such date and (during the Pre-Funding Period) the Pre-Funded Amount. Pre-Funded Amount: With respect to any date of determination during the Pre-Funding Period, the amount on deposit in the Pre-Funding Account. Pre-Funding Account: The account established and maintained pursuant to Section 3.17 of the Servicing Agreement. Pre-Funding Period: The period commencing on the Closing Date until the earliest of (i) the date on which the amount on deposit in the Pre-Funding Account is less than $50,000, (ii) June 30, 2000 or (iii) the occurrence of a Servicing Default. Predecessor Note: With respect to any Note, every previous Note evidencing all or a portion of the same debt as that evidenced by such Note; and, for the purpose of this definition, any Note authenticated and delivered under Section 4.03 of the Indenture in lieu of a mutilated, lost, destroyed or stolen Note shall be deemed to evidence the same debt as such mutilated, lost, destroyed or stolen Note. Premium: The amount of premium due to the Credit Enhancer in accordance with the terms of the Insurance Agreement. Premium Percentage: As set forth in the Insurance Agreement. Principal Balance: With respect to any Home Loan, other than a Liquidated Home Loan, and as of any day, the related Cut-Off Date Principal Balance, minus all collections credited as principal in respect of any such Home Loan in accordance with the related Mortgage Note and applied in reduction of the Principal Balance thereof. For purposes of this definition, a 17 Liquidated Home Loan shall be deemed to have a Principal Balance equal to the Principal Balance of the related Home Loan immediately prior to the final recovery of substantially all related Liquidation Proceeds and a Principal Balance of zero thereafter. Principal Collection Distribution Amount: For any Payment Date, the total Principal Collections for such Payment Date less any Overcollateralization Release Amount for such Payment Date. Principal Collections: With respect to any Payment Date, an amount equal to the sum of (i) the principal portion of all scheduled Monthly Payments on the Home Loans received during the related Collection Period, as reported by the Servicer or the related Subservicer; (ii) the principal portion of all proceeds of the repurchase of any Home Loans (or, in the case of a substitution, any Substitution Adjustment Amounts) as required by the Servicing Agreement during the related Collection Period; (iii) the principal portion of all other unscheduled collections received on the Home Loans during the related Collection Period (or deemed to be received during the related Collection Period, including, without limitation, full and partial Principal Prepayments made by the respective Mortgagors, Insurance Proceeds and Net Liquidation Proceeds), to the extent not previously distributed; and (iv) on the Payment Date immediately following the end of the Pre-Funding Period, any amount transferred from the Pre-Funding Account to the Note Payment Account in accordance with Section 3.17 of the Servicing Agreement. Principal Prepayment: Any payment of principal made by the Mortgagor on a Home Loan which is received in advance of its scheduled Due Date and which is not accompanied by an amount of interest representing scheduled interest due on any date or dates in any month or months subsequent to the month of prepayment. Proceeding: Any suit in equity, action at law or other judicial or administrative proceeding. Program Guide: The GMACM Home Equity Servicing Guidelines, as in effect from time to time. Prospectus Supplement: The prospectus supplement dated March 23, 2000, relating to the Notes. Purchase Agreement: The home loan purchase agreement dated as of March 30, 2000, among the Seller, the Purchaser, the Issuer and the Indenture Trustee. Purchase Price: The meaning specified in Section 2.3(a) of the Purchase Agreement. Purchaser: Residential Asset Mortgage Products, Inc., as purchaser under the Purchase Agreement. Rating Agency: Each of Moody's and Standard & Poor's, or, if either such organization or a successor thereto is no longer in existence, such nationally recognized statistical rating organization, or other comparable Person, designated by the Depositor, notice of which designation shall be given to the Indenture Trustee. References herein to the highest short term 18 unsecured rating category of a Rating Agency shall mean A-1+ or better in the case of Standard & Poor's and P-1 or better in the case of Moody's; and in the case of any other Rating Agency, shall mean such equivalent ratings. References herein to the highest long-term rating category of a Rating Agency shall mean "AAA" in the case of Standard & Poor's and "Aaa" in the case of Moody's; and in the case of any other Rating Agency, such equivalent rating. Rating Event: The qualification, reduction or withdrawal by a Rating Agency of its then-current rating of the Notes. Record Date: With respect to the Class A-1 Notes and any Payment Date, the Business Day next preceding such Payment Date and with respect to the Class A-2, Class A-3, Class A-4 Notes, the Certificates and any Payment Date, the last Business Day of the month preceding the month of such Payment Date. Reference Bank Rate: With respect to any Interest Period, as follows: the arithmetic mean (rounded upwards, if necessary, to the nearest one sixteenth of one percent) of the offered rates for United States dollar deposits for one month which are offered by the Reference Banks as of 11:00 a.m., London, England time, on the second LIBOR Business Day prior to the first day of such Interest Period to prime banks in the London interbank market for a period of one month in amounts approximately equal to the sum of the outstanding Note Balance of the Notes; provided, that at least two Reference Banks provide such rate. If fewer than two offered rates appear, the Reference Bank Rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Indenture Trustee after consultation with the Servicer and the Credit Enhancer, as of 11:00 a.m., New York time, on such date for loans in U.S. Dollars to leading European Banks for a period of one month in amounts approximately equal to the aggregate Note Balance of the Notes. If no such quotations can be obtained, the Reference Bank Rate will be the Reference Bank Rate applicable to the preceding Interest Period. Reference Banks: Barclays Bank plc, National Westminster Bank and Bankers Trust Company. Related Documents: With respect to each Home Loan, the documents specified in Section 2.1(c) of the Purchase Agreement and any documents required to be added to such documents pursuant to the Purchase Agreement, the Trust Agreement or the Servicing Agreement. Relief Act Shortfalls: With respect to any Payment Date, for any Home Loan as to which there has been a reduction in the amount of interest collectible thereon for the related Collection Period as a result of the application of the Soldiers' and Sailors' Civil Relief Act of 1940, as amended, the shortfall, if any, equal to (i) one month's interest on the Principal Balance of such Home Loan at the applicable Loan Rate, over (ii) the interest collectible on such Home Loan during such Collection Period. REMIC Ineligible Loan: A Home Loan will be a REMIC Ineligible Loan, if (a) the value of the real property securing the Home Loan was not at least equal to 80% of the original principal balance of the Home Loan, calculated by subtracting the principal balance of any home equity loans that are secured by liens that are senior to the Home Loan and a proportionate amount of any home 19 equity loans that are secured by a lien of equal priority as the Home Loan from the Appraised Value of the property when the Home Loan was originated and (b) substantially all of the proceeds of the Home Loans were not used to acquire, improve or protect an interest in the real property securing the Home Loan. REO Property: A Mortgaged Property that is acquired by the Trust in foreclosure or by deed in lieu of foreclosure. Repurchase Event: With respect to any Home Loan, either (i) a discovery that, as of the Closing Date with respect to an Initial Home Loan or the related Subsequent Transfer Date with respect to any Subsequent Home Loan, the related Mortgage was not a valid lien on the related Mortgaged Property subject only to (A) the lien of any prior mortgage indicated on the Home Loan Schedule, (B) the lien of real property taxes and assessments not yet due and payable, (C) covenants, conditions, and restrictions, rights of way, easements and other matters of public record as of the date of recording of such Mortgage and such other permissible title exceptions as are customarily accepted for similar loans and (D) other matters to which like properties are commonly subject that do not materially adversely affect the value, use, enjoyment or marketability of the related Mortgaged Property or (ii) with respect to any Home Loan as to which the Seller delivers an affidavit certifying that the original Mortgage Note has been lost or destroyed, a subsequent default on such Home Loan if the enforcement thereof or of the related Mortgage is materially and adversely affected by the absence of such original Mortgage Note. Repurchase Price: With respect to any Home Loan required to be repurchased on any date pursuant to the Purchase Agreement or purchased by the Servicer pursuant to the Servicing Agreement, an amount equal to the sum of (i) 100% of the Principal Balance thereof (without reduction for any amounts charged off) and (ii) unpaid accrued interest at the Loan Rate (or with respect to the last day of the month in the month of repurchase, the Loan Rate will be the Loan Rate in effect as of the second to last day in such month) on the outstanding Principal Balance thereof from the Due Date to which interest was last paid by the related Mortgagor to the first day of the month following the month of purchase. Required Overcollateralization Amount: As to any Payment Date prior to the Stepdown Date, the Required Overcollateralization Amount will be 3.75% of the initial Pool Balance. On or after the Stepdown Date, the Required Overcollateralization Amount will be equal to the lesser of (a) the Required Overcollateralization Amount as of the initial Payment Date and (b) 7.50% of the current Pool Balance after applying payments received in the related Collection Period (but not lower than approximately $784,016 (0.50% of the initial Pool Balance)); provided, however, that any scheduled reduction to the Required Overcollateralization Amount described above shall not be made as of any Payment Date unless (i)(a) the aggregate cumulative Liquidation Loss Amounts on the Home Loans prior to any such Payment Date occurring during the first year, the second year or the third year (or any year thereafter) after the Stepdown Date are less than 7.50%, 8.50% and 10.50%, respectively, of the Pool Balance as of the Cut-Off Date or (b) the average Liquidation Loss Amount on the Home Loans for the current and five previous Payment Dates is less than 60.00% of the amount remaining in the Note Payment Account on such Payment Date following distributions pursuant to clauses (i)-(v) of Section 3.05(a) of the Indenture (other than clause (iii)) and (ii) there has been no draw on the Policy on such Payment 20 Date that remains unreimbursed. In addition, the Required Overcollateralization Amount may be reduced with the prior written consent of the Credit Enhancer and the Rating Agencies. Representative: Bear, Stearns & Co. Inc., as representative of the Underwriters. Responsible Officer: With respect to the Indenture Trustee, any officer of the Indenture Trustee with direct responsibility for the administration of the Trust Agreement and also, with respect to a particular matter, any other officer to whom such matter is referred because of such officer's knowledge of and familiarity with the particular subject. Secretary of State: The Secretary of State of the State of Delaware. Securities Act: The Securities Act of 1933, as amended, and the rules and regulations promulgated thereunder. Securities Balance: The Note Balance or Certificate Balance, as the context may require. Security: Any Certificate or a Note, as the context may require. Securityholder: Any Noteholder or Certificateholder. Seller: GMAC Mortgage Corporation, a Pennsylvania corporation, and its successors and assigns. Servicer: GMAC Mortgage Corporation, a Pennsylvania corporation, and its successors and assigns. Servicing Agreement: The servicing agreement dated as of March 30, 2000 among the Servicer, the Issuer and the Indenture Trustee. Servicing Certificate: A certificate completed and executed by a Servicing Officer on behalf of the Servicer in accordance with Section 4.01 of the Servicing Agreement. Servicing Default: The meaning specified in Section 7.01 of the Servicing Agreement. Servicing Fee: With respect to any Home Loan and any Collection Period, the product of (i) the Servicing Fee Rate divided by 12 and (ii) the Pool Balance as of the first day of such Collection Period. Servicing Fee Rate: 0.50% per annum. Servicing Officer: Any officer of the Servicer involved in, or responsible for, the administration and servicing of the Home Loans whose name and specimen signature appear on a list of servicing officers furnished to the Indenture Trustee (with a copy to the Credit Enhancer) by the Servicer, as such list may be amended from time to time. Standard & Poor's: Standard & Poor's, a division of The McGraw-Hill Companies, Inc. or its successor in interest. 21 Stated Value: With respect to any Home Loan, the stated value of the related Mortgaged Property determined in accordance with the Program Guide and given by the related Mortgagor in his or her application. Step-Up Date: The first Payment Date immediately following the Payment Date on which the Servicer is permitted to purchase all of the Home Loans from the Trust pursuant to Section 8.08 of the Servicing Agreement. Stepdown Date: The later of (i) the Payment Date in April 2003 and (ii) the Payment Date on which the Pool Balance (after applying payments received in the related Collection Period) as of such Payment Date is less than 50% of the initial Pool Balance. Subsequent Cut-Off Date: With respect to any Subsequent Home Loan, the date specified in the related Subsequent Transfer Agreement. Subsequent Cut-Off Date Principal Balance: With respect to any Subsequent Home Loan, the Principal Balance thereof as of the related Subsequent Cut-Off Date. Subsequent Home Loan: A Home Loan sold by the Seller to the Issuer pursuant to Section 2.2 of the Purchase Agreement, such Home Loan being identified on the Home Loan Schedule attached to the related Subsequent Transfer Agreement, as set forth in such Subsequent Transfer Agreement. Subsequent Transfer Agreement: Each Subsequent Transfer Agreement dated as of a Subsequent Transfer Date executed by the Seller and the Issuer substantially in the form of Exhibit 2 to the Purchase Agreement, by which the related Subsequent Home Loans are sold to the Issuer. Subsequent Transfer Date: With respect to each Subsequent Transfer Agreement, the date on which the related Subsequent Home Loans are sold to the Issuer. Subservicer: Each Person that enters into a Subservicing Agreement as a subservicer of Home Loans. Subservicing Agreement: The written contract between the Servicer and any Subservicer relating to servicing and administration of certain Home Loans as provided in Section 3.01 of the Servicing Agreement. Substitution Adjustment Amount: With respect to any Eligible Substitute Loan and any Deleted Loan, the amount, if any, as determined by the Servicer, by which the aggregate principal balance of all such Eligible Substitute Loans as of the date of substitution is less than the aggregate Principal Balance of all such Deleted Loans (after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Securityholders in the month of substitution). Tax Matters Partner: GMACM, as initial Certificateholder. 22 Telerate Screen Page 3750: The display page so designated on the Bridge Telerate Capital Markets Report (or such other page as may replace page 3750 on such service for the purpose of displaying London interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace such page on such service, or if such service is no longer offered, such other service for displaying LIBOR or comparable rates as may be selected by the Indenture Trustee after consultation with the Servicer and the Credit Enhancer), the rate shall be the Reference Bank Rate. Transfer Date: As defined in Section 3.15(c) of the Servicing Agreement. Transfer Notice Date: As defined in Section 3.15(c) of the Servicing Agreement. Treasury Regulations: Regulations, including proposed or temporary Regulations, promulgated under the Code. References herein to specific provisions of proposed or temporary regulations shall include analogous provisions of final Treasury Regulations or other successor Treasury Regulations. Trust Agreement: The trust agreement dated as of March 30, 2000, between the Owner Trustee and the Depositor. Trust Estate: The meaning specified in the Granting Clause of the Indenture. Trust Indenture Act or TIA: The Trust Indenture Act of 1939, as amended from time to time, as in effect on any relevant date. UCC: The Uniform Commercial Code, as amended from time to time, as in effect in any specified jurisdiction. Underwriters: Bear, Stearns & Co. Inc., Deutsche Banc Alex. Brown and PaineWebber Incorporated. Underwriting Agreement: The underwriting agreement dated March 23, 2000, between the Depositor and the Representative. Uniform Single Attestation Program for Mortgage Bankers: The Uniform Single Attestation Program for Mortgage Bankers, as published by the Mortgage Bankers Association of America and effective with respect to fiscal periods ending on or after December 15, 1995. 23 EX-5 5 HOME LOAN PURCHASE AGREEMENT EXHIBIT 10.1 EXECUTION COPY RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as Purchaser, GMAC MORTGAGE CORPORATION, as Seller, GMACM HOME LOAN TRUST 2000-HLTV1, as Issuer, and THE BANK OF NEW YORK, as Indenture Trustee -------------------------------------------- HOME LOAN PURCHASE AGREEMENT -------------------------------------------- Dated as of March 30, 2000 This Home Loan Purchase Agreement (the "Agreement"), dated as of March 30, 2000, is made among GMAC Mortgage Corporation, as seller (the "Seller"), Residential Asset Mortgage Products, Inc., as purchaser (the "Purchaser"), GMACM Home Loan Trust 2000-HLTV1, as issuer (the "Issuer"), and The Bank of New York, as indenture trustee (the "Indenture Trustee"). WITNESSETH: WHEREAS, the Seller owns the Cut-Off Date Principal Balances and the Related Documents for the home equity loans indicated on the Home Loan Schedule attached as Exhibit 1 hereto (the "Initial Home Loans"), including rights to (a) any property acquired by foreclosure or deed in lieu of foreclosure or otherwise, and (b) the proceeds of any insurance policies covering the Initial Home Loans; WHEREAS, the parties hereto desire that the Seller (i) sell the Cut-Off Date Principal Balances of the Initial Home Loans to the Purchaser on the Closing Date pursuant to the terms of this Agreement together with the Related Documents, (ii) may sell Subsequent Home Loans to the Issuer on one or more Subsequent Transfer Dates pursuant to the terms of the related Subsequent Transfer Agreement, and (iii) make certain representations and warranties on the Closing Date and on each Subsequent Transfer Date; WHEREAS, pursuant to the Trust Agreement, the Purchaser will sell the Initial Home Loans and transfer all of its rights under this Agreement to the Issuer on the Closing Date; WHEREAS, pursuant to the terms of the Servicing Agreement, the Servicer will service the Home Loans; WHEREAS, pursuant to the terms of the Trust Agreement, the Issuer will issue the Certificates; WHEREAS, pursuant to the terms of the Indenture, the Issuer will issue the Notes, secured by the Trust Estate; NOW, THEREFORE, in consideration of the mutual covenants herein contained, the parties hereto agree as follows: ARTICLE I DEFINITIONS Section 1.1 Definitions. For all purposes of this Agreement, except as otherwise expressly provided herein or unless the context otherwise requires, capitalized terms not otherwise defined herein shall have the meanings assigned to such terms in the Definitions contained in Appendix A to the indenture dated as of March 30, 2000 (the "Indenture"), between the Issuer and the Indenture Trustee, which is incorporated by reference herein. All other capitalized terms used herein shall have the meanings specified herein. Section 1.2 Other Definitional Provisions. All terms defined in this Agreement shall have the defined meanings when used in any certificate or other document made or delivered pursuant hereto unless otherwise defined therein. As used in this Agreement and in any certificate or other document made or delivered pursuant hereto or thereto, accounting terms not defined in this Agreement or in any such certificate or other document, and accounting terms partly defined in this Agreement or in any such certificate or other document, to the extent not defined, shall have the respective meanings given to them under generally accepted accounting principles. To the extent that the definitions of accounting terms in this Agreement or in any such certificate or other document are inconsistent with the meanings of such terms under generally accepted accounting principles, the definitions contained in this Agreement or in any such certificate or other document shall control. The words "hereof," "herein," "hereunder" and words of similar import when used in this Agreement shall refer to this Agreement as a whole and not to any particular provision of this Agreement; Section and Exhibit references contained in this Agreement are references to Sections and Exhibits in or to this Agreement unless otherwise specified; the term "including" shall mean "including without limitation"; "or" shall include "and/or"; and the term "proceeds" shall have the meaning ascribed thereto in the UCC. The definitions contained in this Agreement are applicable to the singular as well as the plural forms of such terms and to the masculine as well as the feminine and neuter genders of such terms. Any agreement, instrument or statute defined or referred to herein or in any instrument or certificate delivered in connection herewith means such agreement, instrument or statute as from time to time amended, modified or supplemented and includes (in the case of agreements or instruments) references to all attachments thereto and instruments incorporated therein; references to a Person are also to its permitted successors and assigns. ARTICLE II SALE OF HOME LOANS AND RELATED PROVISIONS Section 2.1 Sale of Initial Home Loans. (a) The Seller, by the execution and delivery of this Agreement, does hereby sell, assign, set over, and otherwise convey to the Purchaser, without recourse, all of its right, title and interest in, to and under the following, and wherever located: (i) the Initial Home Loans (including the Cut-Off Date Principal Balances), all interest accruing thereon, all monies due or to become due thereon, and all collections in respect thereof received on or after the Cut-Off Date (other than interest thereon in respect of any period prior to the Cut-Off Date); (ii) the interest of the Seller in any insurance policies in respect of the Initial Home Loans; and (iii) all proceeds of the foregoing. Such conveyance shall be deemed to be made: with respect to the Cut-Off Date Principal Balances, as of the Closing Date, subject to the receipt by the Seller of consideration therefor as provided herein under clause (a) of Section 2.3. 2 In addition, the Issuer shall deposit with the Indenture Trustee from proceeds of the issuance of the Securities on the Closing Date (i) the Original Pre-Funded Amount for deposit in the Pre-Funding Account and (ii) the Interest Coverage Amount for deposit in the Capitalized Interest Account. (b) In connection with the conveyance by the Seller of the Initial Home Loans and any Subsequent Home Loans, the Seller further agrees, at its own expense, on or prior to the Closing Date with respect to the Principal Balances of the Initial Home Loans and on or prior to the related Subsequent Cut-Off Date in the case of any Subsequent Home Loans, to indicate in its books and records that the Initial Home Loans have been sold to the Purchaser pursuant to this Agreement, and, in the case of the Subsequent Home Loans, to the Issuer pursuant to the related Subsequent Transfer Agreement, and to deliver to the Purchaser true and complete lists of all of the Home Loans specifying for each Home Loan (i) its account number and (ii) its Cut-Off Date Principal Balance or Subsequent Cut-Off Date Principal Balance. Such lists, which form part of the Home Loan Schedule, shall be marked as Exhibit 1 to this Agreement and are hereby incorporated into and made a part of this Agreement. (c) In connection with the conveyance by the Seller of the Initial Home Loans and any Subsequent Home Loans, the Seller shall on behalf of the Purchaser deliver to, and deposit with the Custodian, at least five (5) Business Days before the Closing Date in the case of an Initial Home Loan, and, on behalf of the Issuer, three (3) Business Days prior to the related Subsequent Transfer Date in the case of a Subsequent Home Loan, with respect to (i) below, or within 90 days of the Closing Date or the Subsequent Transfer Date, as the case may be, with respect to (ii) through (v) below, the following documents or instruments with respect to each related Home Loan: (i) the original Mortgage Note endorsed without recourse in blank (which endorsement shall contain either an original signature or a facsimile signature of an authorized officer of the Seller) or, with respect to any Home Loan as to which the original Mortgage Note has been permanently lost or destroyed and has not been replaced, a Lost Note Affidavit; (ii) the original Mortgage with evidence of recording thereon, or, if the original Mortgage has not yet been returned from the public recording office, a copy of the original Mortgage certified by the Seller that such Mortgage has been sent for recording, or a county certified copy of such Mortgage in the event the recording office keeps the original or if the original is lost; (iii) assignments (which may be included in one or more blanket assignments if permitted by applicable law) of the Mortgage in recordable form from the Seller to "The Bank of New York, as Indenture Trustee under that certain Indenture dated as of March 30, 2000, for GMACM Home Loan Trust 2000-HLTV1, Home Loan-Backed Term Notes" c/o the Servicer at an address specified by the Servicer; (iv) originals of any intervening assignments of the Mortgage from the originator to the Seller, with evidence of recording thereon, or, if the original of any such intervening assignment has not yet been returned from the public recording office, a copy of such 3 original intervening assignment certified by the Seller that such original intervening assignment has been sent for recording; and (v) a true and correct copy of each assumption, modification, consolidation or substitution agreement, if any, relating to such Home Loan. Within the time period for the review of each Mortgage File set forth in Section 2.2 of the Custodial Agreement, if a material defect in any Mortgage File is discovered which may materially and adversely affect the value of the related Home Loan, or the interests of the Indenture Trustee (as pledgee of the Home Loans), the Noteholders, the Certificateholders or the Credit Enhancer in such Home Loan, including the Seller's failure to deliver any document required to be delivered to the Custodian on behalf of the Indenture Trustee (provided, that a Mortgage File will not be deemed to contain a defect for an unrecorded assignment under clause (iv) above if the Seller has submitted such assignment for recording pursuant to the terms of the following paragraph), the Seller shall cure such defect, repurchase the related Home Loan at the Repurchase Price or substitute an Eligible Substitute Loan therefor upon the same terms and conditions set forth in Section 3.1 hereof for breaches of representations and warranties as to the Home Loans. In instances where an original Mortgage or any original intervening assignment of Mortgage was not, in accordance with clauses (ii) or (iv) above, delivered by the Seller to the Custodian contemporaneously with the execution and delivery of this Agreement, the Seller will deliver or cause to be delivered the originals or certified copies of such documents to the Custodian promptly upon receipt thereof. Upon sale of the Initial Home Loans, the ownership of each Mortgage Note, each related Mortgage and the contents of the related Mortgage File shall be vested in the Purchaser and the ownership of all records and documents with respect to the Initial Home Loans that are prepared by or that come into the possession of the Seller as seller of the Initial Home Loans hereunder or in its capacity as Servicer under the Servicing Agreement shall immediately vest in the Purchaser, and shall be retained and maintained in trust by the Seller or the Servicer at the will of the Purchaser, in such custodial capacity only. In the event that any original document held by the Seller hereunder in its capacity as Servicer is required pursuant to the terms of this Section to be part of a Mortgage File, such document shall be delivered promptly to the Custodian. The Seller's records will accurately reflect the sale of each Initial Home Loan to the Purchaser. The Purchaser hereby acknowledges its acceptance of all right, title and interest to the property conveyed to it pursuant to this Section 2.1. (d) The parties hereto intend that the transactions set forth herein constitute a sale by the Seller to the Purchaser of all the Seller's right, title and interest in and to the Initial Home Loans and other property as and to the extent described above. In the event the transactions set forth herein are deemed not to be a sale, the Seller hereby grants to the Purchaser a security interest in all of the Seller's right, title and interest in, to and under all accounts, chattel papers, general intangibles, contract rights, certificates of deposit, deposit accounts, instruments, documents, letters of credit, money, advices of credit, investment property, goods and other property consisting of, arising under or related to the Initial Home Loans and such other 4 property, to secure all of the Seller's obligations hereunder, and this Agreement shall and hereby does constitute a security agreement under applicable law. The Seller agrees to take or cause to be taken such actions and to execute such documents, including without limitation the filing of any continuation statements with respect to the UCC-1 financing statements filed with respect to the Initial Home Loans by the Purchaser on the Closing Date, and any amendments thereto required to reflect a change in the name or corporate structure of the Seller or the filing of any additional UCC-1 financing statements due to the change in the principal office of the Seller, as are necessary to perfect and protect the Purchaser's interests in each Initial Home Loan and the proceeds thereof. Section 2.2 Sale of Subsequent Home Loans. (a) Subject to the conditions set forth in paragraphs (b) and (c) below (the satisfaction of which (other than the conditions specified in paragraphs (b)(i), (b)(ii), (b)(iii), (b)(vi), (b)(vii) and (c)(iii)) shall be evidenced by an Officer's Certificate of the Seller dated the date of the related Subsequent Transfer Date), in consideration of the Issuer's payment of the purchase price provided for in Section 2.3 on one or more Subsequent Transfer Dates using amounts on deposit in the Pre-Funding Account, the Seller may, on the related Subsequent Transfer Date, sell, transfer, assign, set over and convey without recourse to the Issuer but subject to the other terms and provisions of this Agreement all of the right, title and interest of the Seller in and to (i) Subsequent Home Loans identified on the related Home Loan Schedule attached to the related Subsequent Transfer Agreement delivered by the Seller on such Subsequent Transfer Date (ii) all money due or to become due on such Subsequent Home Loan and after the related Subsequent Cut-Off Date and (iii) all items with respect to such Subsequent Home Loans to be delivered pursuant to Section 2.1 above and the other items in the related Mortgage Files; provided, however, that the Seller reserves and retains all right, title and interest in and to principal received and interest accruing on any Subsequent Home Loan prior to the related Subsequent Cut-Off Date. Any transfer to the Issuer by the Seller of Subsequent Home Loans shall be absolute, and is intended by the Issuer and the Seller to constitute and to be treated as a sale of such Subsequent Home Loans by the Seller to the Issuer. In the event that any such transaction is deemed not to be a sale, the Seller hereby grants to the Issuer as of each Subsequent Transfer Date a security interest in all of the Seller's right, title and interest in, to and under all accounts, chattel papers, general intangibles, contract rights, certificates of deposit, deposit accounts, instruments, documents, letters of credit, money, advices of credit, investment property, goods and other property consisting of, arising under or related to the related Subsequent Home Loans and such other property, to secure all of the Seller's obligations hereunder, and this Agreement shall constitute a security agreement under applicable law. The Seller agrees to take or cause to be taken such actions and to execute such documents, including the filing of all necessary UCC-1 financing statements filed in the State of Delaware and the Commonwealth of Pennsylvania (which shall be submitted for filing as of the related Subsequent Transfer Date), any continuation statements with respect thereto and any amendments thereto required to reflect a change in the name or corporate structure of the Seller or the filing of any additional UCC-1 financing statements due to the change in the principal office of the Seller, as are necessary to perfect and protect the interests of the Issuer and its assignees in each Subsequent Home Loan and the proceeds thereof. 5 The Issuer on each Subsequent Transfer Date shall acknowledge its acceptance of all right, title and interest to the related Subsequent Home Loans and other property, existing on the Subsequent Transfer Date and thereafter created, conveyed to it pursuant to this Section 2.2. The Issuer shall be entitled to all scheduled principal payments due after each Subsequent Cut-Off Date, all other payments of principal due and collected after each Subsequent Cut-Off Date, and all payments of interest on any related Subsequent Home Loans, minus that portion of any such interest payment that is allocable to the period prior to the related Subsequent Cut-Off Date. No scheduled payments of principal due on Subsequent Home Loans on or before the related Subsequent Cut-Off Date and collected after such Subsequent Cut-Off Date shall belong to the Issuer pursuant to the terms of this Agreement. (b) The Seller may transfer to the Issuer Subsequent Home Loans and the other property and rights related thereto described in Section 2.2(a) above during the Pre-Funding Period, and the Issuer shall cause to be released funds from the Pre-Funding Account, only upon the satisfaction of each of the following conditions on or prior to the related Subsequent Transfer Date: (i) the Seller shall have provided the Indenture Trustee, the Rating Agencies and the Credit Enhancer with a timely Addition Notice substantially in the form of Exhibit 3, which notice shall be given no later than seven Business Days prior to the related Subsequent Transfer Date, and shall designate the Subsequent Home Loans to be sold to the Issuer, the aggregate Principal Balance of such Subsequent Home Loans as of the related Subsequent Cut-Off Date and any other information reasonably requested by the Indenture Trustee or the Credit Enhancer with respect to such Subsequent Home Loans. (ii) the Seller shall have delivered to the Indenture Trustee and the Credit Enhancer a duly executed Subsequent Transfer Agreement substantially in the form of Exhibit 2, (A) confirming the satisfaction of each condition precedent and representations specified in this Section 2.2(b) and in Section 2.2(c) and in the related Subsequent Transfer Agreement and (B) including a Home Loan Schedule listing the Subsequent Home Loans; (iii) as of each Subsequent Transfer Date, as evidenced by delivery to the Indenture Trustee of the Subsequent Transfer Agreement in the form of Exhibit 2, the Seller shall not be insolvent, made insolvent by such transfer or aware of any pending insolvency; (iv) such sale and transfer shall not result in a material adverse tax consequence to the Issuer or, due to any action or inaction on the part of the Seller to the Securityholders; and (v) the Credit Enhancer shall have approved the sale of the Subsequent Home Loans (which approval shall not be unreasonably withheld) within five (5) Business Days of receipt of the Home Loan Schedule reflecting the Subsequent Home Loans; provided, that if the Credit Enhancer shall not have notified the Seller within five (5) Business Days that the Credit Enhancer does not so approve, such sale of Subsequent Home Loans shall be deemed approved by the Credit Enhancer. 6 In addition, the Seller shall have delivered to the Issuer, the Indenture Trustee and the Credit Enhancer an Opinion of Counsel with respect to certain bankruptcy matters relating to the transfers of Subsequent Home Loans, which Opinion of Counsel shall be substantially in the form of the Opinion of Counsel delivered to the Credit Enhancer and the Rating Agencies and the Indenture Trustee on the Closing Date regarding certain bankruptcy matters, within 30 days after the end of the Pre-Funding Period relating to all Subsequent Home Loans transferred to the Trust during the Pre-Funding Period and purchased, from funds on deposit in the Pre-Funding Account. (c) The obligation of the Issuer to purchase a Subsequent Home Loan on any Subsequent Transfer Date is subject to the following conditions: (i) each such Subsequent Home Loan must satisfy the representations and warranties specified in the related Subsequent Transfer Agreement and this Agreement; (ii) the Seller will not select such Subsequent Home Loans in a manner that it reasonably believes is adverse to the interests of the Noteholders or the Credit Enhancer; (iii) the Seller will deliver to the Credit Enhancer and the Indenture Trustee certain Opinions of Counsel described in Section 2.2(b) and acceptable to the Credit Enhancer and the Indenture Trustee with respect to the conveyance of such Subsequent Home Loans; and (iv) as of the related Subsequent Cut-Off Date each Subsequent Home Loan will satisfy the following criteria: (A) such Subsequent Home Loan may not be 30 or more days contractually delinquent as of the related Subsequent Cut-Off Date; (B) such Subsequent Home Loan must be secured by a mortgage in a first or second lien position; (C) such Subsequent Home Loan must have a CLTV at origination of no more than 125.00%; (D) the remaining term to stated maturity of such Subsequent Home Loan may not extend beyond March 1, 2025; and (E) following the purchase of such Subsequent Home Loans by the Issuer, as of each Subsequent Cut-Off Date, the Home Loans included in the Trust Estate (by aggregate Principal Balance) must have a weighted average Loan Rate of not less than 14.500%, a weighted average CLTV at origination of not more than 114.00%, a concentration in any one state not in excess of 34.00%, and the percentage of Home Loans that are secured by second liens on the related Mortgaged Properties shall be no greater than the percentage of Initial Home Loans that are secured by second liens. Subsequent Home Loans with characteristics materially varying from those set forth above may be purchased by the Issuer and included in the Trust Estate if they are acceptable to the Credit Enhancer, in its reasonable discretion; provided, however, that the addition of such Subsequent Home Loans will not materially affect the aggregate characteristics of the Home Loans in the Trust Estate. The Seller shall not transfer Subsequent Home Loans with the intent to mitigate losses on Home Loans previously transferred. (d) Within five Business Days after each Subsequent Transfer Date, the Seller shall deliver to the Rating Agencies, the Indenture Trustee and the Credit Enhancer a copy of the updated Home Loan Schedule reflecting the Subsequent Home Loans in electronic format (to be followed by a hard copy). (e) In the event that a home equity loan is not acceptable to the Credit Enhancer as a Subsequent Home Loan pursuant to Section 2.2(b)(v) hereof, the Credit Enhancer and the Seller may mutually agree to the transfer of such home equity loan to the Issuer as a Subsequent Home Loan, subject to any increase in the Overcollateralization Amount that may be agreed to by the Seller and the Credit Enhancer pursuant to the Indenture, in which event the Seller shall deliver to the Issuer and the Indenture Trustee, with a copy to the Credit Enhancer, an Officer's 7 Certificate confirming the agreement to the transfer of such Subsequent Home Loan and specifying the amount of such increase in the Overcollateralization Amount, which additional Overcollateralization Amount may not be contributed by the Seller. Section 2.3 Payment of Purchase Price. (a) The sale of the Initial Home Loans shall take place on the Closing Date, subject to and simultaneously with the deposit of the Initial Home Loans into the Trust Estate, the deposit of the Original Pre-Funded Amount and the Interest Coverage Amount into the Pre-Funding Account and the Capitalized Interest Account, respectively, and the issuance of the Securities. The purchase price (the "Purchase Price") for the Initial Home Loans to be paid by the Purchaser to the Seller on the Closing Date shall be an amount equal to $116,003,791.27 in immediately available funds, together with the Certificates, in respect of the Cut-Off Date Principal Balances thereof. The Purchase Price paid for any Subsequent Home Loan by the Indenture Trustee from funds on deposit in the Pre-Funding Account, at the direction of the Issuer, shall be one-hundred percent (100%) of the Subsequent Cut-Off Date Principal Balance thereof (as identified on the Home Loan Schedule attached to the related Subsequent Transfer Agreement provided by the Seller). (b) In consideration of the sale of the Initial Home Loans by the Seller to the Purchaser on the Closing Date, the Purchaser shall pay to the Seller on the Closing Date by wire transfer of immediately available funds to a bank account designated by the Seller, the amount specified above in paragraph (a) for each Initial Home Loan; provided, that such payment may be on a net funding basis if agreed by the Seller and the Purchaser. In consideration of the sale of any Subsequent Home Loan by the Seller to the Issuer, the Issuer shall pay to the Seller by wire transfer of immediately available funds to a bank account designated by the Seller, the amount specified above in paragraph (a) for each Subsequent Home Loan. ARTICLE III REPRESENTATIONS AND WARRANTIES; REMEDIES FOR BREACH Section 3.1 Seller Representations and Warranties. The Seller represents and warrants to the Purchaser, as of the Closing Date and as of each Subsequent Transfer Date (or if otherwise specified below, as of the date so specified): (a) As to the Seller: (i) The Seller is a corporation duly organized, validly existing and in good standing under the laws of the jurisdiction governing its creation and existence and is or will be in compliance with the laws of each state in which any Mortgaged Property is located to the extent necessary to ensure the enforceability of each Home Loan; (ii) The Seller has the power and authority to make, execute, deliver and perform its obligations under this Agreement and each Subsequent Transfer Agreement and all of the transactions contemplated under this Agreement and each Subsequent Transfer 8 Agreement, and has taken all necessary corporate action to authorize the execution, delivery and performance of this Agreement and each Subsequent Transfer Agreement; (iii) The Seller is not required to obtain the consent of any other Person or any consents, licenses, approvals or authorizations from, or registrations or declarations with, any governmental authority, bureau or agency in connection with the execution, delivery, performance, validity or enforceability of this Agreement or any Subsequent Transfer Agreement, except for such consents, licenses, approvals or authorizations, or registrations or declarations, as shall have been obtained or filed, as the case may be; (iv) The execution and delivery of this Agreement by the Seller and its performance and compliance with the terms of this Agreement will not violate the Seller's Certificate of Incorporation or Bylaws or constitute a material default (or an event which, with notice or lapse of time, or both, would constitute a material default) under, or result in the material breach of, any material contract, agreement or other instrument to which the Seller is a party or which may be applicable to the Seller or any of its assets; (v) No litigation before any court, tribunal or governmental body is currently pending, or to the knowledge of the Seller threatened, against the Seller or with respect to this Agreement or any Subsequent Transfer Agreement that in the opinion of the Seller has a reasonable likelihood of resulting in a material adverse effect on the transactions contemplated by this Agreement or any Subsequent Transfer Agreement; (vi) [Reserved]; (vii) This Agreement and each Subsequent Transfer Agreement constitutes a legal, valid and binding obligation of the Seller, enforceable against the Seller in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws now or hereafter in effect affecting the enforcement of creditors' rights in general and except as such enforceability may be limited by general principles of equity (whether considered in a proceeding at law or in equity) or by public policy with respect to indemnification under applicable securities laws; (viii) This Agreement constitutes a valid transfer and assignment to the Purchaser of all right, title and interest of the Seller in and to the Initial Home Loans, including the Cut-Off Date Principal Balances with respect to the Initial Home Loans, all monies due or to become due with respect thereto, and all proceeds of such Cut-Off Date Principal Balances with respect to the Initial Home Loans; and this Agreement and the related Subsequent Transfer Agreement, when executed, will constitute a valid transfer and assignment to the Issuer of all right, title and interest of the Seller in and to the Subsequent Home Loans, including the Cut-Off Date Principal Balances of the Subsequent Home Loans, all monies due or to become due with respect thereto, and all proceeds of such Subsequent Cut-Off Date Principal Balances and such funds as are from time to time deposited in the Custodial Account (excluding any investment earnings thereon) as assets of the Trust and all other property specified in the definition of "Trust" as being part of the corpus of the Trust conveyed to the Purchaser by the Seller; and 9 (ix) The Seller is not in default with respect to any order or decree of any court or any order, regulation or demand of any federal, state, municipal or governmental agency, which default might have consequences that would materially and adversely affect the condition (financial or otherwise) or operations of the Seller or its properties or might have consequences that would materially adversely affect its performance hereunder; (b) As to each Initial Home Loan as of the Closing Date and with respect to each Subsequent Home Loan as of the related Subsequent Transfer Date (except as otherwise specified below): (i) The information set forth in the Home Loan Schedule with respect to each Home Loan or the Home Loans is true and correct in all material respects as of the date or dates respecting which such information is initially furnished; (ii) The Cut-Off Date Principal Balances or Subsequent Cut-Off Date Principal Balances have not been assigned or pledged, the Seller has good title thereto and the Seller is the sole owner and holder of such Cut-Off Date Principal Balances and Subsequent Cut-Off Date Principal Balances free and clear of any and all liens, encumbrances, pledges, security interests (other than, with respect to any Home Loan in a second lien position, the lien of the related first mortgage) of any nature and has full right and authority, under all governmental and regulatory bodies having jurisdiction over the ownership of the applicable Home Loans to sell and assign the same pursuant to this Agreement; (iii) (A) The related Mortgage Note and the Mortgage have not been assigned or pledged, (B) immediately prior to the assignment of the Home Loans to the Trustee the Seller has good title thereto and (C) the Seller is the sole owner and holder of the Home Loan free and clear of any and all liens, encumbrances, pledges, or security interests (other than, with respect to any Home Loan in a second lien position, the lien of the related first mortgage) of any nature and has full right and authority, under all governmental and regulatory bodies having jurisdiction over the ownership of the applicable Home Loans to sell and assign the same pursuant to this Agreement or the related Subsequent Transfer Agreement, as applicable; (iv) To the best of the Seller's knowledge, there is no valid offset, defense or counterclaim of any obligor under any Mortgage Note or Mortgage; (v) To the best of the Seller's knowledge, there is no delinquent recording or other tax or fee or assessment lien against any related Mortgaged Property; (vi) To the best of the Seller's knowledge, there is no proceeding pending or threatened for the total or partial condemnation of the related Mortgaged Property; (vii) To the best of the Seller's knowledge, there are no mechanics' or similar liens or claims which have been filed for work, labor or material affecting the related Mortgaged Property which are, or may be liens prior or equal to, or subordinate with, the lien of the related Mortgage, except liens which are fully insured against by the title insurance policy referred to in clause (xi); 10 (viii) As of the Cut-Off Date or related Subsequent Cut-Off Date, no Home Loan was 30 days or more delinquent in payment of principal or interest; (ix) For each Home Loan, the related Mortgage File contains or will contain, in accordance with Section 2.1(c)(ii), each of the documents and instruments specified to be included therein; (x) To the best of the Seller's knowledge, the related Mortgage Note and the related Mortgage at the time it was made complied in all material respects with applicable local, state and federal laws; (xi) A title search or other assurance of title customary in the relevant jurisdiction was obtained with respect to each Home Loan; (xii) None of the Mortgaged Properties is a mobile home or a manufactured housing unit that is not permanently attached to its foundation; (xiii) As of the Cut-Off Date, no more than approximately 34.00% and 7.34% of the Initial Home Loans, by Cut-Off Date Principal Balance, are secured by Mortgaged Properties located in California and Florida, respectively; (xiv) As of the Cut-Off Date or Subsequent Cut-Off Date, the Combined Loan-to-Value Ratio for each Home Loan was not in excess of 125%; (xv) As of the Cut-Off Date, not less than 77.00% of the Home Loans, by Cut-Off Date Principal Balance, are REMIC Ineligible Loans; (xvi) The Seller has not transferred the Initial Home Loans to the Purchaser or any Subsequent Home Loans to the Issuer with any intent to hinder, delay or defraud any of its creditors; (xvii) [Reserved]; (xviii) Within a loan type, and except as required by applicable law, each Mortgage Note and each Mortgage is an enforceable obligation of the related Mortgagor; (xix) To the best knowledge of the Seller, the physical property subject to each Mortgage is free of material damage and is in acceptable repair; (xx) The Seller has not received a notice of default of any senior mortgage loan related to a Mortgaged Property which has not been cured by a party other than the Servicer; (xxi) [Reserved]; (xxii) None of the Home Loans is a reverse mortgage loan; 11 (xxiii) No Home Loan has an original term to maturity in excess of 300 months; (xxiv) All of the Home Loans are fixed rate and are fully amortizing. As of the Cut-off Date, the Loan Rates on the Home Loans range between 9.500% per annum and 19.00% per annum and the weighted average Loan Rate is approximately 14.641% per annum. The weighted average remaining term to stated maturity of the Home Loans as of the Cut-off Date is approximately 269 months; (xxv) (A) Each Mortgaged Property consists of a single parcel of real property with a single family or an individual condominium unit; (B) with respect to the Home Loans (a) approximately 7.12% (by Cut-Off Date Principal Balance) are secured by real property improved by individual condominium units, and (b) approximately 88.93% (by Cut-Off Date Principal Balance) are secured by real property with a single family residence erected thereon; (xxvi) As of the Cut-Off Date no Initial Home Loan had a principal balance in excess of $150,000.00; (xxvii) No more than approximately 99.66 % of the Initial Home Loans, by aggregate Principal Balance as of the Cut-Off Date, are secured by second liens; (xxviii) A policy of hazard insurance and flood insurance, if applicable, has been required from the Mortgagor for the Home Loan when the Home Loan was originated; (xxix) Other than with respect to a payment default, there is no material default, breach, violation or event of acceleration existing under the terms of any Mortgage Note or Mortgage and, to the best of the Seller's knowledge, no event which, with notice and expiration of any grace or cure period, would constitute a material default, breach, violation or event of acceleration under the terms of any Mortgage Note or Mortgage, and no such material default, breach, violation or event of acceleration has been waived by the Seller involved in originating or servicing the related Home Loan; (xxx) No instrument of release or waiver has been executed in connection with the Home Loans, and no Mortgagor has been released, in whole or in part from its obligations in connection therewith; (xxxi) With respect to each Home Loan secured by a second lien, either (a) no consent for such Home Loan was required by the holder or holders of the related prior lien, (b) such consent has been obtained and is contained in the related Mortgage File or (c) no consent for such Home Loan was required by relevant law; and (xxxii) With respect to each Home Loan, to the extent permitted by applicable law, the related Mortgage contains a customary provision for the acceleration of the payment of the unpaid Principal Balance of the Home Loan in the event the related Mortgaged Property is sold without the prior consent of the mortgagee thereunder. Upon discovery by the Seller or upon notice from the Purchaser, the Credit Enhancer, the Issuer, the Owner Trustee, the Indenture Trustee or the Custodian, as applicable, of a breach of 12 any representation or warranty in paragraph (a) above that materially and adversely affects the interests of the Securityholders or the Credit Enhancer, as applicable, in any Home Loan, the Seller shall, within 90 days of its discovery or its receipt of notice of such breach, either (i) cure such breach in all material respects or (ii) to the extent that such breach is with respect to a Home Loan or a Related Document, either (A) repurchase such Home Loan from the Issuer at the Repurchase Price, or (B) substitute one or more Eligible Substitute Loans for such Home Loan, in each case in the manner and subject to the conditions and limitations set forth below. Upon discovery by the Seller or upon notice from the Purchaser, the Credit Enhancer, the Issuer, the Owner Trustee, the Indenture Trustee or the Custodian, as applicable, of a breach of any representation or warranty in this paragraph (b) above with respect to any Home Loan, or upon the occurrence of a Repurchase Event, that materially and adversely affects the interests of the Securityholders, the Credit Enhancer or the Purchaser in such Home Loan (notice of which shall be given to the Purchaser by the Seller, if it discovers the same), notwithstanding the Seller's lack of knowledge with respect to the substance of such representation and warranty, the Seller shall, within 90 days after the earlier of its discovery or receipt of notice thereof, either cure such breach or Repurchase Event in all material respects or either (i) repurchase such Home Loan from the Issuer at the Repurchase Price, or (ii) substitute one or more Eligible Substitute Loans for such Home Loan, in each case in the manner and subject to the conditions set forth below. The Repurchase Price for any such Home Loan repurchased by the Seller shall be deposited or caused to be deposited by the Servicer into the Custodial Account. In the event that the Seller elects to substitute an Eligible Substitute Loan or Loans for a Deleted Loan pursuant to this Section 3.1, the Seller shall deliver to the Custodian on behalf of the Issuer, with respect to such Eligible Substitute Loan or Loans, the original Mortgage Note and all other documents and agreements as are required by Section 2.1(c), with the Mortgage Note endorsed as required by Section 2.1(c). No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Eligible Substitute Loans in the month of substitution shall not be part of the Trust Estate and will be retained by the Servicer and remitted by the Servicer to the Seller on the next succeeding Payment Date, provided that a payment equal to the applicable Monthly Payment for such month in respect of the Deleted Loan has been received by the Issuer. For the month of substitution, distributions to the Note Payment Account pursuant to the Servicing Agreement will include the Monthly Payment due on a Deleted Loan for such month and thereafter the Seller shall be entitled to retain all amounts received in respect of such Deleted Loan. The Servicer shall amend or cause to be amended the Home Loan Schedule to reflect the removal of such Deleted Loan and the substitution of the Eligible Substitute Loan or Loans and the Servicer shall deliver the amended Home Loan Schedule to the Owner Trustee, the Indenture Trustee and the Credit Enhancer. Upon such substitution, the Eligible Substitute Loan or Loans shall be subject to the terms of this Agreement and the Servicing Agreement in all respects, the Seller shall be deemed to have made the representations and warranties with respect to the Eligible Substitute Loan contained herein set forth in Section 3.1(b) (other than clauses (viii), (xiii), (xiv), (xxiv), (xxv) and (xxvii) thereof) as of the date of substitution and a representation and warranty that each Home Loan so substituted is an Eligible Substitute Loan as of the date of substitution, and the Seller shall be obligated to repurchase or substitute for any Eligible Substitute Loan as to which a Repurchase Event has occurred as provided herein. In connection with the substitution of one or more Eligible Substitute Loans for one or more Deleted Loans, the Servicer shall determine the 13 amount (such amount, a "Substitution Adjustment Amount"), if any, by which the aggregate principal balance of all such Eligible Substitute Loans as of the date of substitution is less than the aggregate principal balance of all such Deleted Loans (after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Note Payment Account in the month of substitution). The Seller shall deposit the amount of such shortfall into the Custodial Account on the date of substitution, without any reimbursement therefor. Upon receipt by the Indenture Trustee on behalf of the Issuer and the Custodian of written notification, signed by a Servicing Officer, of the deposit of such Repurchase Price or of such substitution of an Eligible Substitute Loan (together with the complete related Mortgage File) and deposit of any applicable Substitution Adjustment Amount as provided above, the Custodian, on behalf of the Indenture Trustee, shall release to the Seller the related Mortgage File for the Home Loan being repurchased or substituted for and the Indenture Trustee on behalf of the Issuer shall execute and deliver such instruments of transfer or assignment prepared by the Servicer, in each case without recourse, as shall be necessary to vest in the Seller or its designee such Home Loan released pursuant hereto and thereafter such Home Loan shall not be an asset of the Issuer. It is understood and agreed that the obligation of the Seller to cure any breach, or to repurchase or substitute for any Home Loan as to which such a breach has occurred and is continuing, shall constitute the sole remedy respecting such breach available to the Purchaser, the Issuer, the Certificateholders (or the Owner Trustee on behalf of the Certificateholders) and the Noteholders (or the Indenture Trustee on behalf of the Noteholders) against the Seller. It is understood and agreed that the representations and warranties set forth in this Section 3.1 shall survive delivery of the respective Mortgage Files to the Issuer or the Custodian. 14 ARTICLE IV SELLER'S COVENANTS Section 4.1 Covenants of the Seller. The Seller hereby covenants that, except for the transfer hereunder and as of any Subsequent Transfer Date, the Seller will not sell, pledge, assign or transfer to any other Person, or grant, create, incur or assume any Lien on any Home Loan, or any interest therein. The Seller shall notify the Issuer (in the case of the Initial Home Loans, as assignee of the Purchaser), of the existence of any Lien (other than as provided above) on any Home Loan immediately upon discovery thereof; and the Seller shall defend the right, title and interest of the Issuer (in the case of the Initial Home Loans, as assignee of the Purchaser) in, to and under the Home Loans against all claims of third parties claiming through or under the Seller; provided, however, that nothing in this Section 4.1 shall be deemed to apply to any Liens for municipal or other local taxes and other governmental charges if such taxes or governmental charges shall not at the time be due and payable or if the Seller shall currently be contesting the validity thereof in good faith by appropriate Proceedings. ARTICLE V SERVICING Section 5.1 Servicing. The Seller shall service the Home Loans pursuant to the terms and conditions of the Servicing Agreement and the Program Guide and shall service the Home Loans directly or through one or more sub-servicers in accordance therewith. ARTICLE VI INDEMNIFICATION BY THE SELLER WITH RESPECT TO THE MORTGAGE LOANS Section 6.1 Indemnification with Respect to the Home Loans. The Seller shall indemnify and hold harmless the Purchaser from and against any loss, liability or expense arising from any breach by the Seller of its representations and warranties in Section 3.1 of this Agreement that materially and adversely affects the Purchaser's interest in any Initial Home Loan or from the failure by the Seller to perform its obligations under this Agreement or any Subsequent Transfer Agreement in any material respect; provided, that the Seller shall have no obligation to indemnify the Purchaser in respect of any loss, liability or expense that arises as a result of the Purchaser's willful malfeasance, bad faith or negligence or as a result of the breach by the Purchaser of its obligations hereunder. Section 6.2 Limitation on Liability of the Seller. None of the directors, officers, employees or agents of the Seller shall be under any liability to the Purchaser, it being expressly understood that all such liability is expressly waived and released as a condition of, and as consideration for, the execution of this Agreement and any Subsequent Transfer Agreement. Except as and to the extent expressly provided in the Servicing Agreement, the Seller shall not 15 be under any liability to the Issuer, the Owner Trustee, the Indenture Trustee or the Securityholders. The Seller and any director, officer, employee or agent of the Seller may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. ARTICLE VII TERMINATION Section 7.1 Termination. The obligations and responsibilities of the parties hereto shall terminate upon the termination of the Trust Agreement. ARTICLE VIII MISCELLANEOUS PROVISIONS Section 8.1 Amendment. This Agreement may be amended from time to time by the parties hereto by written agreement with the prior written consent of the Credit Enhancer (which consent shall not be unreasonably withheld). Section 8.2 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 8.3 Notices. All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid, addressed as follows: (i) if to the Seller: GMAC Mortgage Corporation 100 Witmer Road Horsham, Pennsylvania 10944 Attention: Barry Bier, Senior Vice President Re: GMACM Home Loan Trust 2000-HLTV1; (ii) if to the Purchaser: Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 Attention: President Re: GMACM Home Loan Trust 2000-HLTV1; 16 (iii) if to the Indenture Trustee: The Bank of New York 101 Barclay Street, 12-E New York, New York 10286 Attention: GMACM Home Loan Trust 2000-HLTV1; (iv) if to the Issuer: c/o Wilmington Trust Company, as Owner Trustee Rodney Square North 1100 North Market Street Wilmington, Delaware 19890-0001 Re: GMACM Home Loan Trust 2000-HLTV1; or (v) if to the Credit Enhancer: Ambac Assurance Corporation One State Street Plaza, 19th Floor New York, New York 10004 Attention: Structured Finance -- Mortgage Backed Securities Re: GMACM Home Loan Trust 2000-HLTV1; or, with respect to any of the foregoing Persons, at such other address as may hereafter be furnished to the other foregoing Persons in writing. Section 8.4 Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be held invalid for any reason whatsoever, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity of enforceability of the other provisions of this Agreement. Section 8.5 Relationship of Parties. Nothing herein contained shall be deemed or construed to create a partnership or joint venture among the parties hereto, and the services of the Seller shall be rendered as an independent contractor and not as agent for the Purchaser. Section 8.6 Counterparts. This Agreement may be executed in any number of counterparts, each of which, when so executed, shall be deemed to be an original and such counterparts, together, shall constitute one and the same agreement. Section 8.7 Further Agreements. The parties hereto each agree to execute and deliver to the other such additional documents, instruments or agreements as may be necessary or appropriate to effectuate the purposes of this Agreement. Section 8.8 Intention of the Parties. It is the intention of the parties hereto that the Purchaser will be purchasing on the Closing Date, and the Seller will be selling on the Closing Date, the Initial Home Loans, rather than the Purchaser providing a loan to the Seller secured by the Initial Home Loans on the Closing Date; and that the Issuer will be purchasing on each 17 Subsequent Transfer Date, and the Seller will be selling on each Subsequent Transfer Date, the related Subsequent Home Loans, rather than the Issuer providing a loan to the Seller secured by the related Subsequent Home Loans on each Subsequent Transfer Date. Accordingly, the parties hereto each intend to treat this transaction for federal income tax purposes as (i) a sale by the Seller, and a purchase by the Purchaser, of the Initial Home Loans on the Closing Date and (ii) a sale by the Seller, and a purchase by the Issuer, of the related Subsequent Home Loans on each Subsequent Transfer Date. The Purchaser and the Issuer shall each have the right to review the Home Loans and the Related Documents to determine the characteristics of the Home Loans which will affect the federal income tax consequences of owning the Home Loans, and the Seller shall cooperate with all reasonable requests made by the Purchaser or the Issuer in the course of such review. Section 8.9 Successors and Assigns; Assignment of This Agreement. (a) This Agreement shall bind and inure to the benefit of and be enforceable by the parties hereto and their respective permitted successors and assigns. The obligations of the Seller under this Agreement cannot be assigned or delegated to a third party without the consent of the Credit Enhancer and the Purchaser (and the Issuer with respect to the transfer of any Subsequent Home Loans), which consent shall be at the Purchaser's sole discretion (and the Issuer's sole discretion with respect to the transfer of any Subsequent Home Loans); provided, that the Seller may assign its obligations hereunder to any Affiliate of the Seller, to any Person succeeding to the business of the Seller, to any Person into which the Seller is merged and to any Person resulting from any merger, conversion or consolidation to which the Seller is a party. The parties hereto acknowledge that (i) the Purchaser is acquiring the Initial Home Loans for the purpose of contributing them to the GMACM Home Loan Trust 2000-HLTV1 and (ii) the Issuer is acquiring the Subsequent Home Loans for the purpose of pledging the Subsequent Home Loans to the Indenture Trustee for the benefit of the Noteholders and the Credit Enhancer. (b) As an inducement to the Purchaser and the Issuer to purchase the Initial Home Loans and to the Issuer to purchase any Subsequent Home Loans, the Seller acknowledges and consents to (i) the assignment by the Purchaser to the Issuer of all of the Purchaser's rights against the Seller pursuant to this Agreement insofar as such rights relate to the Initial Home Loans transferred to the Issuer and to the enforcement or exercise of any right or remedy against the Seller pursuant to this Agreement by the Issuer, (ii) the enforcement or exercise of any right or remedy against the Seller pursuant to this Agreement by or on behalf of the Issuer and (iii) the Issuer's pledge of its interest in this Agreement to the Indenture Trustee and the enforcement by the Indenture Trustee of any such right or remedy against the Seller following an Event of Default under the Indenture. Such enforcement of a right or remedy by the Issuer, the Owner Trustee, the Credit Enhancer or the Indenture Trustee, as applicable, shall have the same force and effect as if the right or remedy had been enforced or exercised by the Purchaser or the Issuer directly. Section 8.10 Survival. The representations and warranties made herein by the Seller and the provisions of Article VI hereof shall survive the purchase of the Initial Home Loans hereunder and any transfer of Subsequent Home Loans pursuant to this Agreement and the related Subsequent Transfer Agreement. 18 Section 8.11 Third Party Beneficiary. The Credit Enhancer shall be a third party beneficiary hereof and shall be entitled to enforce the provisions of this Agreement as if a party hereto. 19 IN WITNESS WHEREOF, the parties hereto have caused their names to be signed to this Home Loan Purchase Agreement by their respective officers thereunto duly authorized as of the day and year first above written. RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as Purchaser By: /s/ Patricia C. Taylor ---------------------- Name: Patricia C. Taylor Title: Vice President GMAC MORTGAGE CORPORATION, as Seller By: /s/ Laura Reichel -------------------- Name: Laura Reichel Title: Vice President GMACM HOME LOAN TRUST 2000-HLTV1, as Issuer By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee By: /s/ Jill K. Morrison -------------------- Name: Jill K. Morrison Title: Financial Services Officer THE BANK OF NEW YORK, as Indenture Trustee By: /s/ John Polito ------------------ Name: John Polito Title: Vice President 20 EXHIBIT 1 HOME LOAN SCHEDULE [See Exhibit A of the Servicing Agreement] EXHIBIT 2 FORM OF SUBSEQUENT TRANSFER AGREEMENT Pursuant to this Subsequent Transfer Agreement No. (the "Agreement"), dated as of________________, _________, between GMAC Mortgage Corporation, as seller (the "Seller"), and GMACM Home Loan Trust 2000-HLTV1, as issuer (the "Issuer"), and pursuant to the loan purchase agreement dated as of March 30, 2000 (the "Home Loan Purchase Agreement"), among the Seller, Residential Asset Mortgage Products, Inc., as purchaser (the "Purchaser"), the Issuer and The Bank of New York, as indenture trustee (the "Indenture Trustee"), the Seller and the Issuer agree to the sale by the Seller and the purchase by the Issuer of the mortgage loans listed on the attached Schedule of Subsequent Home Loans (the "Subsequent Home Loans"). Capitalized terms used and not defined herein have their respective meanings as set forth in Appendix A to the indenture dated as of March 30, 2000, between the Issuer and the Indenture Trustee, which meanings are incorporated by reference herein. All other capitalized terms used herein shall have the meanings specified herein. Section 1.Sale of Subsequent Home Loans. (a) The Seller does hereby sell, transfer, assign, set over and convey to the Issuer, without recourse, all of its right, title and interest in and to the Subsequent Home Loans, all principal received and interest accruing on the Subsequent Home Loans on and after the Subsequent Cut-Off Date, all monies due or to become due relating to such Subsequent Home Loans and all items with respect to the Subsequent Home Loans to be delivered pursuant to Section 2.2 of the Home Loan Purchase Agreement; provided, however, that the Seller reserves and retains all right, title and interest in and to principal received and interest accruing on the Subsequent Home Loans prior to the Subsequent Cut-Off Date. The Seller, contemporaneously with the delivery of this Agreement, has delivered or caused to be delivered to the Indenture Trustee each item set forth in Section 2.2 of the Home Loan Purchase Agreement. The transfer to the Issuer by the Seller of the Subsequent Home Loans identified on the Home Loan Schedule shall be absolute and is intended by the parties hereto to constitute a sale by the Seller to the Issuer on the Subsequent Transfer Date of all the Seller's right, title and interest in and to the Subsequent Home Loans, and other property as and to the extent described above, and the Issuer hereby acknowledges such transfer. In the event the transactions set forth herein shall be deemed not to be a sale, the Seller hereby grants to the Issuer as of the Subsequent Transfer Date a security interest in all of the Seller's right, title and interest in, to and under all accounts, chattel papers, general intangibles, contract rights, certificates of deposit, deposit accounts, instruments, documents, letters of credit, money, advices of credit, investment property, goods and other property consisting of, arising under or related to the Subsequent Home Loans, and such other property, to secure all of the Issuer's obligations hereunder, and this Agreement shall constitute a security agreement under applicable law. The Seller agrees to take or cause to be taken such actions and to execute such documents, including without limitation the filing of all necessary UCC-1 financing statements filed in the State of Delaware and the Commonwealth of Pennsylvania (which shall be submitted for filing as of the Subsequent Transfer Date), any continuation statements with respect thereto and any amendments thereto 2-1 required to reflect a change in the name or corporate structure of the Seller or the filing of any additional UCC-1 financing statements due to the change in the principal office of the Seller, as are necessary to perfect and protect the Issuer's interests in each Subsequent Home Loan and the proceeds thereof. (b) The expenses and costs relating to the delivery of the Subsequent Home Loans, this Agreement and the Home Loan Purchase Agreement shall be borne by the Seller. (c) Additional terms of the sale are set forth on Attachment A hereto. Section 2.Representations and Warranties; Conditions Precedent. (a) The Seller hereby affirms the representations and warranties set forth in Section 3.1 of the Home Loan Purchase Agreement that relate to the Seller or the Subsequent Home Loans as of the date hereof. The Seller hereby confirms that each of the conditions set forth in Section 2.2(b) of the Home Loan Purchase Agreement are satisfied as of the date hereof and further represents and warrants that each Subsequent Home Loan complies with the requirements of this Agreement and Section 2.2(c) of the Home Loan Purchase Agreement. (b) The Seller is solvent, is able to pay its debts as they become due and has capital sufficient to carry on its business and its obligations hereunder; it will not be rendered insolvent by the execution and delivery of this Instrument or by the performance of its obligations hereunder nor is it aware of any pending insolvency; no petition of bankruptcy (or similar insolvency proceeding) has been filed by or against the Seller prior to the date hereof. (c) All terms and conditions of the Home Loan Purchase Agreement relating to the Subsequent Home Loans are hereby ratified and confirmed; provided, however, that in the event of any conflict the provisions of this Agreement shall control over the conflicting provisions of the Home Loan Purchase Agreement. Section 3.Recordation of Instrument. To the extent permitted by applicable law or a memorandum thereof if permitted under applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all of the counties or other comparable jurisdictions in which any or all of the properties subject to the related Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Servicer at the Noteholders' expense on direction of the Majority Noteholders or the Credit Enhancer, but only when accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Noteholders or the Credit Enhancer or is necessary for the administration or servicing of the Subsequent Home Loans. Section 4.GOVERNING LAW. THIS INSTRUMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 5.Counterparts. This Instrument may be executed in counterparts, each of which, when so executed, shall be deemed to be an original and together shall constitute one and the same instrument. 2-2 Section 6.Successors and Assigns. This Agreement shall inure to the benefit of and be binding upon the Seller and the Issuer and their respective successors and assigns. GMAC MORTGAGE CORPORATION, as Seller By: Name: Title: GMACM HOME LOAN TRUST 2000-HLTV1, as Issuer By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee By: Name: Title: Attachments A. Additional terms of sale. B. Schedule of Subsequent Home Loans. C. Seller's Officer's Certificate. D. Seller's Officer's Certificate (confirmation of Credit Enhancer approval). 2-3 GMACM HOME LOAN TRUST 2000-HLTV1 ATTACHMENT A TO FORM OF SUBSEQUENT TRANSFER AGREEMENT ------------, ---- A. 1. Subsequent Cut-Off Date: 2. Pricing Date: 3. Subsequent Transfer Date: 4. Aggregate Principal Balance of the Subsequent Home Loans as of the Subsequent Cut-Off Date: 5. Purchase Price: 100.00% B. As to all Subsequent Home Loans: 1. Longest stated term to maturity: months 2. Minimum Loan Rate: % 3. Maximum Loan Rate: % 4. WAC of all Subsequent Home Loans: % 5. WAM of all Subsequent Home Loans: % 6. Largest Principal Balance: $ 7. Non-owner occupied Mortgaged Properties: % 8. California zip code concentrations: % and % 9. Condominiums: % 10. Single-family: % 11. Weighted average term since origination: % 12. Principal balance of Subsequent Home Loans $ with respect to which the Mortgagor is an employee of GMACM or an affiliate of GMACM: 13. Number of Subsequent Home Loans with respect to which the Mortgagor is an employee of GMACM or an affiliate of GMACM: EXHIBIT 3 FORM OF ADDITION NOTICE DATE: The Bank of New York Moody's Investors Service, Inc. 101 Barclay Street, 12-E 99 Church Street New York, New York 10286 New York, New York 10007 Ambac Assurance Corporation Wilmington Trust Company One State Street Plaza, 19th Floor 1100 North Market Street New York, New York 10004 Wilmington, Delaware 19890 Attention: Structured Finance--Mortgage Backed Securities (GMACM Home Loan Trust 2000-HLTV1) Standard & Poor's, a division of The McGraw-Hill Companies, Inc. 26 Broadway New York, New York 10004-1064 Re: GMACM Home Loan Trust 2000-HLTV1 Ladies and Gentlemen: Pursuant to Section 2.2 of the home loan purchase agreement dated as of March 30, 2000 (the "Purchase Agreement"), among GMAC Mortgage Corporation, as Seller, Residential Asset Mortgage Products, Inc., as Purchaser, GMACM Home Loan Trust 2000-HLTV1, as Issuer and The Bank of New York, as Indenture Trustee, the Seller has designated the Subsequent Home Loans identified on the Home Loan Schedule attached hereto to be sold to the Issuer on _____________, ______, with an aggregate Principal Balance of $________ . Capitalized terms not otherwise defined herein have the meaning set forth in the Appendix A to the indenture dated as of March 30, 2000, between the Issuer and the Indenture Trustee. Please acknowledge your receipt of this notice by countersigning the enclosed copy in the space indicated below and returning it to the attention of the undersigned. Very truly yours, GMAC MORTGAGE CORPORATION, as Seller By: Name: Title: ACKNOWLEDGED AND AGREED: THE BANK OF NEW YORK, as Indenture Trustee By: Name: Title: TABLE OF CONTENTS Page ARTICLE I DEFINITIONS..........................................1 Section 1.1 Definitions.....................................1 Section 1.2 Other Definitional Provisions...................2 ARTICLE II SALE OF HOME LOANS AND RELATED PROVISIONS............2 Section 2.1 Sale of Initial Home Loans......................2 Section 2.2 Sale of Subsequent Home Loans...................5 Section 2.3 Payment of Purchase Price.......................8 ARTICLE III REPRESENTATIONS AND WARRANTIES; REMEDIES FOR BREACH...............................................8 Section 3.1 Seller Representations and Warranties...........8 ARTICLE IV SELLER'S COVENANTS..................................15 Section 4.1 Covenants of the Seller........................15 ARTICLE V SERVICING...........................................15 Section 5.1 Servicing......................................15 ARTICLE VI INDEMNIFICATION BY THE SELLER WITH RESPECT TO THE MORTGAGE LOANS..................................15 Section 6.1 Indemnification with Respect to the Home Loans..........................................15 Section 6.2 Limitation on Liability of the Seller..........15 ARTICLE VII TERMINATION.........................................16 Section 7.1 Termination....................................16 ARTICLE VIII MISCELLANEOUS PROVISIONS............................16 Section 8.1 Amendment......................................16 Section 8.2 GOVERNING LAW..................................16 Section 8.3 Notices........................................16 Section 8.4 Severability of Provisions.....................17 Section 8.5 Relationship of Parties........................17 Section 8.6 Counterparts...................................17 Section 8.7 Further Agreements.............................17 Section 8.8 Intention of the Parties.......................17 Section 8.9 Successors and Assigns; Assignment of This Agreement......................................18 Section 8.10 Survival......................................18 Section 8.11 Third Party Beneficiary.......................19 I TABLE OF CONTENTS (continued) Page EXHIBIT 1 HOME LOAN SCHEDULE EXHIBIT 2 FORM OF SUBSEQUENT TRANSFER AGREEMENT EXHIBIT 3 FORM OF ADDITION NOTICE II EX-6 6 POLICY Exhibit 10.2 Ambac Ambac Assurance Corporation c/o CT Corporation Systems Certificate Guaranty Insurance Policy 44 East Mifflin Street Madison, Wisconsin 53703 Administrative Office: One State Street Plaza New York, New York 10004 Telephone: (212) 668-0340 Insured Obligations: $155,000,000 Policy Number: GMACM Home-Loan Trust AB0352BE 2000-HLTV1, GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1 Premium: As set forth in the Endorsement attached hereto Ambac Assurance Corporation (Ambac) A Wisconsin Stock Insurance Company in consideration of the payment of the premium and subject to the terms of this Policy, hereby agrees unconditionally and irrevocably to pay to the Trustee for the benefit of the Holders of the Insured Obligations, that portion of the Insured Amounts which shall become Due for Payment but shall be unpaid by reason of Nonpayment. Ambac will make such payments to the Trustee from its own funds on the later of (a) one (1) Business Day following notification to Ambac of Nonpayment or (b) the Business Day on which the Insured Amounts are Due for Payment. Such payments of principal or interest shall be made only upon presentation of an instrument of assignment in form and substance satisfactory to Ambac, transferring to Ambac all rights under such Insured Obligations to receive the principal of and interest on the Insured Obligation. Ambac shall be subrogated to all the Holders' right to payment on the Insured Obligations to the extent of the insurance disbursements so made. Once payments of the Insured Amounts have been made to the Trustee, Ambac shall have no further obligation hereunder in respect of such Insured Amounts. In the event the Trustee for the Insured Obligations has notice that any payment of principal or interest on an Insured Obligation which has become Due for Payment and which is made to a Holder by or on behalf of the Trustee has been deemed a preferential transfer and theretofore recovered from its Holder pursuant to the United States Bankruptcy Code in accordance with a final, nonappealable order of a court of competent jurisdiction, such Holder will be entitled to payment from Ambac to the extent of such recovery if sufficient funds are not otherwise available. This Policy is noncancelable by Ambac for any reason, including failure to receive payment of any premium due hereunder. The premium on this Policy is not refundable for any reason. This Policy does not insure against loss of any prepayment or other acceleration payment which at any time may become due in respect of any Insured Obligation, other than at the sole option of Ambac, nor against any risk other than Nonpayment, including failure of the Trustee to make any payment due Holders of Insured Amounts. To the fullest extent permitted by applicable law, Ambac hereby waives and agrees not to assert any and all rights and defenses, to the extent such rights and defenses may be available to Ambac, to avoid payment of its obligations under this Policy in accordance with the express provisions hereof. Any capitalized terms not defined herein shall have the meaning given such terms in the endorsement attached hereto or in the Agreement. In witness whereof, Ambac has caused this Policy to be affixed with its corporate seal and to be signed by its duly authorized officers in facsimile to become effective as their original signatures and binding upon Ambac by virtue of the countersignature of its duly authorized representative. /s/ Phillip B. Lassiter /s/ Stephen D. Cooke President Secretary /s/ Thomas J. Adams Effective Date: March 30, 2000 Authorized Representative EXECUTED VERSION CERTIFICATE GUARANTY INSURANCE POLICY ENDORSEMENT Attached to and forming Effective Date of Endorsement: part of Policy No. AB0352BE March 30, 2000 issued to: The Bank of New York, as Indenture Trustee on behalf of GMACM Home Loan Trust 2000-HLTV1, and for the benefit of the Holders of the GMACM Home Loan-Backed Term Notes, Series 2000-HLTV1 For all purposes of this Policy, the following terms shall have the following meanings: "Due for Payment" shall mean, with respect to any Insured Amounts, such amount that is due and payable under the Indenture on the related Payment Date. "Final Payment Date" shall mean the Payment Date in June 2025. "First Payment Date" shall mean April 18, 2000. "Holder" shall mean any person who is the registered owner or beneficial owner of any of the Notes. "Indenture" shall mean the Indenture, dated as of March 30, 2000, between GMACM Home Loan Trust 2000-HLTV1, as Issuer, and The Bank of New York, as Indenture Trustee, as such Indenture may be amended, modified or supplemented from time to time as set forth in the Indenture. "Indenture Trustee" shall mean The Bank of New York, or its successor-in-interest, in its capacity as indenture trustee under the Indenture, or if any successor indenture trustee or any co-indenture trustee shall be appointed as provided therein, then "Indenture Trustee" shall also mean such successor indenture trustee or such co-indenture trustee, as the case may be, subject to the provisions thereof. "Insurance Agreement" shall mean the Insurance and Indemnity Agreement (as may be amended, modified or supplemented from time to time) dated as of March 30, 2000, by and among the Insurer, GMAC Mortgage Corporation, as Seller and Servicer, the Depositor, the Issuer and The Bank of New York, as Indenture Trustee. "Insurance Draw Amount" (1) shall mean, with respect to any Payment Date (other than the Final Payment Date), the sum of (x) the amount by which accrued interest on the Notes at the applicable Note Rates on such Payment Date (exclusive of any Relief Act Shortfalls) exceeds the amount on deposit in the Note Payment Account available for interest distributions on such Payment Date and (y) any Liquidation Loss Amount to the extent not currently covered by a Liquidation Loss Distribution Amount or a reduction in the Overcollateralization Amount and (2) shall mean, with respect to the Final Payment Date, the amount by which the Note Balance on the Notes, together with interest on the Notes at the applicable Note Rates during the related Interest Period (exclusive of any Relief Act Shortfalls) exceeds the payments otherwise available to be made to the Holders thereof on the Final Payment Date. The Insurance Draw Amount for any date shall be reduced by the amount of any payments made to the Trust Estate with respect to that date from the Limited Reimbursement Agreement. For purposes of calculating the Insurance Draw Amount, amounts in the Note Payment Account available for interest distributions on any Payment Date shall be deemed to include all amounts in the Note Payment Account for such Payment Date, other than the Principal Collection Distribution Amount and the Liquidation Loss Distribution Amount (if any) distributed thereon. Any Relief Act Shortfalls shall not be included in an Insurance Draw Amount. "Insurance Policy" or "Policy" shall mean this Certificate Guaranty Insurance Policy together with each and every endorsement hereto. "Insured Amounts" shall mean, with respect to any Payment Date, the Insurance Draw Amount for such Payment Date and shall mean, with respect to the Final Payment Date, the Insurance Draw Amount for the Final Payment Date. "Insured Payments" shall mean, with respect to any Payment Date, the aggregate amount actually paid by the Insurer to the Indenture Trustee in respect of Insured Amounts for such Payment Date. "Insurer" shall mean Ambac Assurance Corporation, or any successor thereto, as issuer of the Insurance Policy. "Late Payment Rate" shall mean the lesser of (a) the greater of (i) the per annum rate of interest publicly announced from time to time by Citibank, N.A. as its prime or base lending rate (any change in such rate of interest to be effective on the date such change is announced by Citibank, N.A.), and (ii) the then applicable rate of interest on any of the Notes and (b) the maximum rate permissible under applicable usury or similar laws limiting interest rates. The Late Payment Rate shall be computed on the basis of the actual number of days elapsed over a year of 360 days for any Payment Date. "Nonpayment" shall mean, with respect to any Payment Date or with respect to the Final Payment Date, an Insured Amount which is Due for Payment but has not and will not be paid in respect of such Payment Date or Final Payment Date pursuant to the Indenture. "Notice" shall mean the telephonic or telegraphic notice, promptly confirmed in writing by telecopy substantially in the form of Exhibit A to the Policy, the original of which is 2 subsequently delivered by registered or certified mail, from the Indenture Trustee specifying the Insured Amount which shall be due and owing on the applicable Payment Date. "Payment Date" shall mean the 18th day of each month (or if such 18th day is not a Business Day, the first Business Day immediately following) beginning with the First Payment Date. "Reimbursement Amount" shall mean, as to any Payment Date, the sum of (x) (i) all Insured Payments paid by the Insurer, but for which the Insurer has not been reimbursed prior to such Payment Date pursuant to Section 3.05(a) of the Indenture, plus (ii) interest accrued thereon, calculated at the Late Payment Rate from the date the Indenture Trustee received the related Insured Payments, and (y) (i) any other amounts then due and owing to the Insurer under the Insurance Agreement, but for which the Insurer has not been reimbursed prior to such Payment Date pursuant to Section 3.05(a) of the Indenture plus (ii) interest on such amounts at the Late Payment Rate. "Trustee" shall mean, for the purposes of the Policy, the Indenture Trustee. Capitalized terms used herein and not otherwise defined shall have the meaning assigned to them in the Indenture (including Appendix A thereto). The Insurer hereby agrees that if, as of any Payment Date, it has become subrogated to the rights of Holders by virtue of a previous payment under this Policy, no recovery of such payment will occur unless the full amount of the Holders' allocable distributions for such Payment Date can be made. In so doing, the Insurer does not waive its rights to seek full payment of all Reimbursement Amounts owed to it under the Indenture. As provided by the Policy, the Insurer will pay any amount payable hereunder no later than 12:00 noon, New York City time, on the later of the Payment Date on which the related Insured Amount is due or the Business Day following receipt in New York, New York on a Business Day by the Insurer of a Notice; provided that, if such Notice is received after 12:00 noon, New York City time, on such Business Day, it will be deemed to be received on the following Business Day. If any such Notice is not in proper form or is otherwise insufficient for the purpose of making a claim under the Policy, it shall be deemed not to have been received for purposes of this paragraph, and the Insurer shall promptly so advise the Indenture Trustee and the Indenture Trustee may submit an amended Notice. The terms and provisions of the Indenture constitute the instrument of assignment referred to in the second paragraph of the face of this Policy. A premium will be payable on this Policy on each Payment Date as provided in Section 3.05(a) of the Indenture, beginning with the First Payment Date, in the amount specified in Section 3.02(c) of the Insurance Agreement. The insurance provided by the Policy is not covered by the Property/Casualty Insurance Security Fund specified in Article 76 of the New York Insurance Law. 3 A premium will be payable on this Policy on each Payment Date as provided in Section 3.05(a) of the Indenture, beginning with the First Payment Date, in the amount specified in Section 3.02(c) of the Insurance Agreement. The insurance provided by the Policy is not covered by the Property/Casualty Insurance Security Fund specified in Article 76 of the New York Insurance Law. The Policy to which this Endorsement is attached and of which it forms a part is hereby amended to provide that there shall be no acceleration payment due under the Policy unless such acceleration is at the sole option of the Insurer. The Policy is further hereby amended, to the extent necessary, to clarify that the reference to "loss of any prepayment or any other acceleration payment" in the fourth paragraph of the face of the Policy does not refer to that portion of any shortfall, if any, in interest on any Home Loan in any month in which such Home Loan is paid prior to its stated maturity. Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, conditions, provisions, agreements or limitations of the above mentioned Policy other than as above stated. This Policy is issued under and pursuant to, and shall be construed under, the laws of the State of New York (without giving effect to the conflict of laws provisions thereof). IN WITNESS WHEREOF, the Insurer has caused this Endorsement to the Policy to be signed by its duly authorized officers. First Vice President Assistant Secretary /s/ Thomas J. Adams /s/ Nora J. Dahlman ------------------------- ------------------------------ 4 EXHIBIT A TO THE CERTIFICATE GUARANTY INSURANCE POLICY Policy No. AB0352BE NOTICE OF NONPAYMENT AND DEMAND FOR PAYMENT OF INSURED AMOUNTS Date:[ ] AMBAC ASSURANCE CORPORATION One State Street Plaza New York, New York 10004 Attention: General Counsel Reference is made to Certificate Guaranty Insurance Policy No. AB0352BE (the "Policy") issued by Ambac Assurance Corporation ("Ambac"). Terms capitalized herein and not otherwise defined shall have the meanings specified in the Policy and the Indenture (including Appendix A thereto), as the case may be, unless the context otherwise requires. 1. The Indenture Trustee hereby certifies as follows: 2. The Indenture Trustee is the Indenture Trustee under the Indenture for the Noteholders. 3. The relevant Payment Date or Final Payment Date is [date]. 4. Payment on the Notes in respect of the Payment Date is due to be received on __________________ under the Indenture, in an amount equal to $___________________. [4. The amount to be paid to the Holders of the Notes on the Final Payment Date is $___________________.] 5. There is an Insurance Draw Amount of $ ___________________ in respect of the Notes, which amount is an Insured Amount pursuant to the terms of the Policy. 6. The sum of $___________________ is the Insured Amount that is Due For Payment. 7. The Indenture Trustee has not heretofore made a demand for the Insured Amount in respect of the Payment Date. 8. The Indenture Trustee hereby requests the payment of the Insured Amount that is Due for Payment be made by Ambac under the Policy and directs that payment under the Policy be made to the following account by bank wire transfer of federal or other immediately available funds in accordance with the terms of the Policy to: 9. _________________________ Indenture Trustee's account number. 10. The Indenture Trustee hereby agrees that, following receipt of the Insured Amount from Ambac, it shall (a) hold such amounts in trust and apply the same directly to the distribution of payment on the Notes when due; (b) not apply such funds for any other purpose; (c) deposit such funds to the Note Payment Account and not commingle such funds with other funds held by the Indenture Trustee and (d) maintain an accurate record of such payments with respect to the Notes and the corresponding claim on the Policy and proceeds thereof. Any Person Who Knowingly And With Intent To Defraud Any Insurance Company Or Other Person Files An Application For Insurance Or Statement Of Claim Containing Any Materially False Information; Or Conceals For The Purpose Of Misleading, Information Concerning Any Fact Material Thereto, Commits A Fraudulent Insurance Act, Which Is And Shall Also Be Subject To A Civil Penalty Not To Exceed Five Thousand Dollars And The Stated Value Of The Claim For Each Such Violation. By: Indenture Trustee __________________________________ Title:________________________________ (Officer) 2 -----END PRIVACY-ENHANCED MESSAGE-----